If you have walked into your kitchen at midnight, put on the lights and watched an army of cockroaches scatter into the dark crevices of your cabinets, then you know you have a bad situation on your hand. Cockroaches are not just terrible insects, but they can contaminate food and spread germs around the home. Follow these simple process to get rid of cockroaches in your home once and for all.

• Eliminate food and water sources. Cockroaches need stores of food and water to survive, so the first step in getting rid of them involves cutting them off from food and water. Always clean up spilled or leftover food or use sealed containers to store them. Your kitchen appliances, cabinets and even behind the refrigerator should be cleaned thoroughly every night to remove grease and spilled food. Their water sources include leaky pipes and wet drains, so they should be fixed and dried respectively. Place wet items like sponges and toothbrushes in an airtight bag to dry.
• Eliminate hiding places. Roaches love hiding in dark and damp places during the day, so you should focus on ridding your home of spaces like these. Clean up any clutter you have around such as cardboard boxes. You should also seal up cracks and holes in your walls with caulk to prevent entry. Make sure your under-cabinets are not damp and inviting for them.
• Use bait. Applying cockroach bait is also a simple and effective way of getting rid of cockroaches. While pesticides are not always advisable because of their likelihood of contaminating surfaces like countertops and appliances, baits are more straightforward and safer to use. Place bait in the areas of the highest cockroach traffic such as behind cabinets and countertops, around the sink and bathroom fixtures and pipes that come into the home.
• Use Insect Growth Regulators (IGRs). Insect Growth Regulators are synthetic chemicals that work to disrupt the natural life cycle of insects, functioning as a form of birth control for them, the idea being that if an insect cannot reach adulthood, then it becomes impossible for it to reproduce.

When finished with all these, there is the need for patience in waiting for results to become complete. Always bear in mind that getting rid of cockroaches is a constant process that has to be carried out regularly. Not sure of what kind of bait or IGR to buy, ask for recommendations at your local supermarket.

Who wouldn't like to pay off the mortgage early? Getting rid of mortgage debt will allow you the security and the psychological benefit of owning your home free and clear. There are lots of ways to accomplish these goals. Here are some suggestions on ways to get rid of your mortgage debt. Compare the options and do what works best for you. 1. Add more money to your monthly payment. This will help pay down the principal balance shortening the length of your loan. When you pay more on your principal is gets lower, and the lower your principal gets, the more every payment from then on is applied to principal, as less goes to cover interest expense. 2. Refinance. Refinance your mortgage to 10, 15 or 20 years. Your payments will be higher on a 15-year loan, but often the rate is lower and the loan is paid off much quicker. If you are afraid to take out

a 15- year loan take out a 30-year loan, but make payments as if you had a 15-year loan. 3. Make biweekly payments. Most banks have a biweekly payment plan. Since there are 52 weeks in the year if you pay half your regular mortgage payment every other week, you'll have made 26 half-payments, or 13 payments. There are options when it comes to owning your home free and clear. Just decide which one works for you and be on your way to being mortgage free.