Problem: How to decrease term life insurance
Understand why term life insurance is important.
Any life insurance policy will provide death benefits to your loved ones in case you pass away. This can be especially important if you leave behind large assets that are still being paid off or you have a family to look out for after your passing.

Answer: This will ensure that your loved ones are not left holding the bag with large amounts of debt. Realize that by reducing the premium you pay, you are also reducing the amount of payout coverage that you receive in the event of your death.

Problem: How to be a good brother
Be respectful.
It's important to set an example for your siblings by always being respectful. Be respectful to them, of course, but you should also be respectful to your parents, your teachers, your friends, and even perfect strangers! Being respectful will help them a lot in life and if they learn it from someone they really respect, it will become a lifelong habit.

Answer: Don't talk back to your parents or teachers. Politely argue if problems come up but otherwise do what you're told and show your sibling how it's done.

Problem: How to know if your lawn needs dethatching
Walk on the lawn to see if it feels firm or spongy.
The first thing that gives you a hint at whether or not your lawn needs to be dethatched is the feel of it. Walk around for awhile and see if the ground feels firm.
Answer: If it feels spongy, or almost bouncy, that's a sign that the thatch has gotten too thick. If you don't mind the feeling, walk around barefoot to get an even better feel of the firmness of the ground.