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Fill a water bottle with one part dish soap and two parts water, then shake it up to mix the solution thoroughly. When you see a line of ants (or just one ant, for that matter) spray the mixture over them. They'll immediately halt and suffocate. Wipe up the dead ants with a wet cloth, and keep the spray bottle around for next time. Setting out shallow dishes of soapy water is another good way to kill ants. Lure them in with a trail of something sugary. This method is good for killing groups of ants, but it won't take out the entire nest. If ants keep coming back, you might have to address the source of the problem. Soapy water is a natural insecticide that kills most insects, not just ants. Try it on roaches, too. Ants really hate vinegar, and you can make a cheap, easy pesticide just using vinegar and water. Mix a 50/50 solution of vinegar and water in a spray bottle. Spray it directly onto the ants to kill them, then wipe up the ants using a damp paper towel and discard them. You can also use vinegar and water as a deterrent; spray it around your windowsills, doorways and other places where you see ants coming inside. Some people have found that using this vinegar solution to clean the floors, windows and countertops makes ants less likely to crawl over these surfaces. White vinegar makes an excellent household cleaner, and you can't smell it once it dries. If you can't stand the smell of vinegar, spray the ants with a lemon juice solution. They're averse to the citric acid in lemon juice, so you can use this spray as a deterrent as well by spraying it around the perimeter of your house. Mix up a solution of 1 part lemon juice to 3 parts water and use it as an all-purpose spray. Food-grade diatomaceous earth is a very effective insecticide that doesn't harm humans or pets in the least. It's composed of fossilized diatoms that have been ground to a powder. When insects walk over the powder, the tiny fossil shards scratch the waxy outer coating on their exoskeletons, causing their bodies to dry out. Sprinkle the powder along your baseboards, windowsills, and around the perimeter of your house to kill ants. Use an applicator or a dusting bulb to do this. It's recommended that you wear a mask or cloth over your face when handling diatomaceous earth. While the powder isn't harmful when ingested, the tiny particles can be hard on your lungs when you breathe them in. Diatomaceous earth becomes ineffective when it gets wet, or even when the air is damp and humid. It will regain its effectiveness when dry, so if your home's humidity is reducing the potency of your DE consider using a dehumidifier in the problem areas. It's completely natural and it really works against ants. When they ingest boric acid, it poisons their stomachs and they die. Boric acid also damages ants' exoskeletons the same way diatomaceous earth does. It comes in the form of a white or blue powder that you distribute with a dusting bulb in areas where you commonly see ants, like near your baseboards or in your windowsills. Boric acid is not a toxic pesticide, but it should not be consumed by humans or pets. Avoid using it in areas where your children and pets play. Don't use it near food sources or in your kitchen cabinets. While it should not cause harm to your pets, it may be toxic to smaller animals like birds, reptiles, and fish. Boric acid is toxic to beneficial insects as well.

summary: Use dish soap and water. Try white vinegar and water. Make a lemon juice solution. Sprinkle diatomaceous earth inside the house. Use boric acid.

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. Your credit is one of the biggest factors in determining your interest rate. If you have poor credit, you can take steps to make it better, but it will take time. Many credit card companies offer free credit scores, and you can request free credit scores on a variety of websites, such as Credit Karma. Check your credit report for anomalies, as any mistakes on your report could be costing you. You can appeal any mistakes with the credit agency. You'll need to report it in writing to the credit agency and the creditor. Pay down your credit card debt. Your credit card debt contributes to your credit score. The lower your debt is in ratio to your credit (what you can use), the better. Stay current on payments, as late payments can create dings on your credit score. A higher down payment, one closer to 20%, will usually earn you a lower interest rate than a lower down payment. However, even a 10% down payment is better than nothing. If you have a 5% down payment on a $150,000 loan, you might get a 5% interest rate or higher. In that case, you'd pay $760 (on principal and interest) per month and $370,404 over the life of the loan. However, if you're buying a home at $150,000 and you put down 20%, you might be able to get an interest rate of 4% instead. In that case, your monthly payment will be about $575 (principal and interest), and you'll pay $312,743 over the life of the loan. Many banks will offer you different rates, so it's a good idea to get quotes from multiple banks. You'll need to get "pre-qualified" by giving the bank information, but it can help in the long run so you can see which is the better deal. Try to do these all at once, as it will be less of a hit on your credit score. Keep in mind that rates are constantly fluctuating, so watch the market rates before applying. With this system, you pay a certain percentage of the mortgage to reduce your interest rate by a small amount. This step can be beneficial if you plan to keep your home for a long time, but it will not likely help if you plan to move quickly. For instance, you might be able to pay $2,000 to lower your interest rate from 4.25% to 4.125%. On a loan for $150,000 with a 20% down payment, that can lower your payment from $590 a month principal and interest and $319,018 over the life of the loan to $582 a month and $315,869 over the life of the loan.

summary: Improve your credit Make a higher down payment. Compare rates. Pay for points on a long-term loan.

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" Do this either by tapping on the Options menu in the upper right of your home screen or by tapping on "Nova Settings" in your App Drawer. Making folders in your App Drawer requires Nova Prime. Scroll down until you see "Drawer Groups" and tap it. Tap on the "+Add" button in the upper right corner. Type the name of the Group/Folder you'd like to add. Tap on the newly created folder. Tick the apps on your app list that you want to include in the folder.
summary: Head to "Nova Settings. Tap "Drawer" to configure the Nova App Drawer.