Problem: Article: Before you rent your property out to tenants, it is advisable that you get landlord's insurance. All of the major insurance providers offer this type of coverage under different names, but generally separate coverage into three categories, from the minimal DP-1 to the all-inclusive DP-3 (DP stands for "dwelling policy"). Most insurance professional recommend that landlords get DP-3 coverage to protect themselves from unexpected tenant behavior. This type of coverage generally provides replacement costs for losses, rather than cash value, which can be beneficial in the event of expensive damages. You should make sure that your coverage also includes general liability coverage. This provides coverage for any injuries sustained on your property. Experts advise that you get $1 million in liability coverage. The cost of landlord's policies depend on the location and size of the property. However, the average is about $800 to $1,200 per year. Talk with local real estate agents and research similar properties online in order to determine a reasonable rent amount. Make sure that, at minimum, your rent covers 110 percent of your mortgage payment on the property. The ten percent buffer can be used to cover maintenance, down time, and large repairs. Any amount you earn over that is profit. Start by listing your property on websites like Craigslist, Trulia, and Zillow. Make sure to include plenty of high-quality and well-lit pictures. Fill out the listing will as much information as you can. You can also purchase an advertisement in the newspaper, though this is expensive and may be ineffective. Finally, try placing a "for rent" sign in the front yard of the property. In all cases, provide a way for interested renters to contact you, either by phone or email. You will have to screen your potential tenants thoroughly for credit and criminal issues. It will cost you some money but will save you from potentially devastating losses. There are rental owners who don't do their due diligence and end up with scam artists who stop paying as soon as they have possession and do tremendous damage to the home. A bad tenant can end up costing you thousands in repairs, even if they do pay their rent on time. Look for applicants who are employed and make at least three times as much as the monthly rent. Reject any applicants with lengthy criminal records or those with credit scores under 650. Your specific requirements here depend on your risk tolerance and the strength of the market. Keep good tenants if you can by promising to keep rent steady or simply by providing excellent service. Find a rental agreement template online and use that to create your own with all of the relevant property details. You may also consider hiring a lawyer who has experience in the industry to make sure that your rental agreement doesn't leave anything out or include any strange provisions. The rental agreement should specify the rental period, the responsibilities of both you and the renters, and the security deposit. The security deposit is usually one month's rent, but may be subject to state or local limits.
Summary: Obtain insurance. Determine an appropriate rent. Market your rental property. Screen applicants. Draft a rental agreement.

Problem: Article: If possible, bring the spider who bite you in to the doctor's office. Identification of the spider will help your doctor diagnose you properly. You can proceed with home care treatment once you are bitten. But you should try to see a doctor or medical professional as soon as possible after you are bitten as the bite could be serious or fatal. Use a clean cloth and dip it in mild soap and room temperature water. Clean the bite area in small circular motions. Wrap ice in a clean towel or put ice in a plastic bag and then wrap it in a clean washcloth or towel. Place the compress over the bite for 10 minutes and then take it off for 10 minutes. Repeat this process in 10 minute intervals. If the person who is bitten has circulatory problems, reduce the time the compress is on the bite site. This will slow the spread of the venom from the bite site to the rest of your body and reduce any swelling of the bite area. Wrap a compression bandage above the bite to reduce pain and swelling. If you do not have an actual compression bandage, tying any cloth above the bite site can slow down the spread of the venom. Raise the arm, hand, leg or foot with the bite above your heart by propping it up on a pillow. Make sure the bandage is snug, but is not cutting off your circulation. This will only accelerate the tissue destruction around the bite and increase swelling and pain. You should also never attempt to remove the spider venom with a suction device or cut out the affected tissue. Avoid applying any steroid creams to the bite area, such as hydrocortisone cream. Acetaminophen (Tylenol), ibuprofen or naproxen will help reduce the swelling and pain.. You can also take an antihistamine to alleviate any itchiness around the bite area. At your doctor's appointment, or in emergency care, confirm the bite is a recluse spider bite and allow the doctor to treat the bite. After the initial evaluation, your doctor may prescribe the following treatments: A Tetanus immunization shot. Antibiotics, if there are signs of infection in the wound. Antihistamines, such as Benadryl, to help with itchiness. Pain medications. Schedule a follow up appointment with the doctor to confirm you do not have any infections or complications due to the recluse spider bite. It's important to monitor your recovery so the bite does not get worse or become infected. If there is damaged tissue around the bite, talk to your doctor about having it surgically removed.
Summary: Try to see a doctor the same day you received the bite. Clean the bite area with soap and rinse with water. Reduce swelling by placing a cool compress over the bite. Elevate the bite area. Do not apply heat to the area. Take over-the-counter pain medications. Talk to your doctor about medical treatment for the bite. Follow up with the doctor in three to four days.

Problem: Article: If the mouthpiece isn't disposable, wash it with mild soap and water between uses to disinfect it and prevent the buildup of bacteria. Alternatively, you can use a new disposable mouthpiece every day. In some cases, your doctor may want you to keep track of how much air you're able to inhale. Track your progress by writing down how far the piston moves upward each time you use the device. There are markings on the column that the piston is housed in that indicate how much air you've inhaled in milliliters. Stop using the device if you feel dizzy or lightheaded at any point. Rest for as long as necessary, then resume your breathing exercises with the incentive spirometer. Let your doctor know if using the device causes any of these symptoms, and follow their instructions going forward.
Summary:
Clean the mouthpiece after each use or use a new one every 24 hours. Keep a log of your progress for your doctor, if applicable. Report dizziness or lightheadedness to your doctor.