Before a bank will approve a short sale or a loan modification, the bank will ask to see your hardship letter. What is a hardship letter and how do you write it? Don’t panic. If you can write a letter to your mom, you can write a hardship letter.

Dogs and Hot Weather

Desert Heat Means Special Care for Your Dog

By Judy Hedding, About.com Guide

I receive many questions about living with a dog in the desert. Certainly, many desert area residents have dogs as pets, but living in a region where summer temperatures can be higher than 100 for a good part of the summer means that there are some things you should know to keep your pet happy and healthy.

Things to Know About Having a Dog in the Desert Heat

• Dogs in the House
  The best situation for your dog would be to have the dog be trained as an indoor pet, where she can keep cool inside the air conditioned house during the hot summer days. Keep the thermostat at a reasonable temperature for your pet.
• Dogs in the Yard
  If the dog must be kept in the yard during the hot parts of the day in the summer it is absolutely essential that there be a dark, shady place where the dog can escape from the blazing sun. A tree is probably not good enough. A ventilated dog house, or a pen with shade cover, or a covered patio is a must. Make sure that there is adequate shade at all times of the day that the dog is outside.
• Dogs and Water
  If the dog is outside, make certain that there is a good supply of clean water in a weighted dish (or two in different locations in case one gets knocked over anyway).
• Keeping Dogs Cool
  Some dogs enjoy water and can keep cool if a misting system is left on during the day, or if there’s a kiddy wading pool for them with a couple of inches of water in it where they can sit to cool off. Keep these in the shade, too. Sitting in a tub of 110 degree water won’t help the dog. Some people I know say that they provide a sandbox with damp sand for the dog. Digging must be allowed in the sandbox–you’ll only frustrate a dog with a sandbox where digging is not permitted!
• Dogs in the Pool
  If your dog has access to your swimming pool or spa, make sure the dog is trained to get out of the pool. The dog needs to know how to get to the steps. If there are no steps or shallow areas, like in some lap pools, make sure the pool is fenced and locked so the dog can’t get in. Every year puppies and dogs drown in backyard pools because they could jump in, but they couldn’t get out.
• Dogs That Swim
  Speaking of dogs that love to swim, we know that there are certain breeds that were born to do just that, and they are ever-so-happy cooling off at the beach or at the lake. Here’s the problem–we don’t have a beach in Phoenix, and animals are not allowed in our lakes or canals. Even if they were, you wouldn’t want your dog wading in, or even drinking, the water in our local lakes which are mostly reclaimed water and can easily make your pet very sick. If you have a breed that must play in the water, there is only one place in the Valley where you can take her, and it is in Gilbert.
• Walking the Dog in the Summer
  Can you walk your dog in the summer? Yes, but it is generally accepted that you should only walk your dog early in the morning or later in the evening, about an hour after the sun has gone down. That’s because not only is the temperature high, but the sidewalks will be too hot for the pads of the dog’s paws. They’ll burn. General rule: if the sidewalk is too hot for you to walk barefoot, it is too hot for your dog to walk on. If you choose to walk your dog in the summer, hopefully early or late, bring along water and make frequent water stops for the dog. Don’t take long walks or over-exert in the summer. Consider these walks light exercise.
• Dogs and Heat Exhaustion
  Heat exhaustion is common in dogs. It can happen your own yard, or on a walk. Dogs cool themselves by panting. If panting does not reduce the body temperature the dog will develop heat stroke. Early signs of heat exhaustion include rapid breathing, heavy panting, and salivation. Other signs are fatigue, muscle tremors, and staggering. If you see a dog that is experiencing heat exhaustion, take the dog to a cool, shady place, and apply wet towels or cloths to help cool the dog’s body down. Try to give the dog small amounts of water, and immediately call a vet.
• Dogs and the Sun
  Dogs get sunburned. Especially dogs with short hair or little hair on some parts of their bodies. Keep them out of the sun.
• Hiking with the Dog in the Summer
  Like to hike with your dog? Please do it very early in the morning. Carry plenty of water, and make it the easy hike, please.
• Dogs Breeds That Don’t Like Heat
  Overweight and older dogs will have more difficulty with the heat. As far as breeds are concerned, it is generally accepted that snub-nosed dogs, like boxers, bulldogs, pugs, Boston terriers, Lhasa apsos and shih tzus have poor panting mechanisms, and so are more susceptible to being affected by heat. These should be indoor dogs, and should not be kept in the yard during the day. They should spend their days lounging in air conditioned comfort. Dogs with heavy coats can be trimmed for the summer, but not shaved bare or else they’ll have a hard time insulating themselves and will be prone to sunburn and other skin irritations.
• Dogs and Summer Exercise
  It’s never a good idea to exercise your dog by having him run alongside your bicycle. If for some reason you do this from time to time, please don’t do it in the summer.
• Dogs and Trucks
  If your dog loves to travel in the back of your pickup, please avoid the temptation. If for some reason you must take your dog with you in the back of your truck, make sure the surface of where the dog has to sit/stand is not metal, and does not absorb heat. Test it. Leave your truck out in the sun for two hours and then go stand in it for 20 minutes in your bare feet (or sit on it with your bare butt!). If it feels hot to you, or it burns the skin right off your body, it feels that way to your dog, too.
• Dogs in the Car
  I know that Fido loves to ride in the car, too. I’ve never met a dog that didn’t. If you are going to run some errands, and it’s 100 degrees outside, and the dog wants to come along in the car, please do him a favor and leave him home. If for some reason you have to take him along, do not ever leave him in the car without the A/C on. Even with the windows cracked, that car will heat up fast enough to cause brain damage or death in just a few minutes.

It started with cans and bottles, evolved to include bamboo flooring and nontoxic paints, and now the latest focus of the eco-friendly movement is…swimming pools. Installations of in-ground residential pools have dropped by double digits in each of the past three years, according the Association of Pool & Spa Professionals, but installers say there’s one bright spot in the market—sales of green pool equipment. Some of the options:

Swap for Salt

Saline pools, which are about 10 percent as salty as seawater, have become increasingly popular with people looking to minimize chlorine use. Chlorine is still present—it’s created when the saltwater passes through a salt chlorine generator—but pool owners don’t have to buy or handle it. Proponents of salt pools also say the water smells better and is easier on eyes and skin, not to mention wallets. With salt costing $2 to $10 a month, a saline system is cheaper to maintain than a standard chlorine system. One downside: Some owners report corrosion of nearby decks or furniture.

Cut Chemicals

Looking to reduce chlorine even further? Some pool owners are turning to ultraviolet light filters, which reportedly help shrink a pool’s chemical content by about 70 percent. These systems work by filtering the water through a chamber that kills organic matter by blasting it with powerful UV light. But the special bulbs, which cost as much as $400 apiece, must be replaced every couple of years. A slightly more affordable option is Zodiac Pool Systems’ Nature2 CF, a $102 cartridge that can be dropped into a standard pool filter and cleans the water using minerals; each cartridge lasts about four months.

Save Your Energy

Of course, going green isn’t just about what’s in the water. A variable-flow circulation pump, which filters more slowly than most, uses about six times less electricity and saves up to $500 a year, says Dana Anderson, president of Oregon-based Anderson Poolworks. Using sun power can also help conserve; solar pool covers reflect rays and minimize evaporation, while solar heating systems all but eliminate power bills. They’re not cheap: The heaters start at about $3,000. But according to the U.S. Department of Energy, they can pay for themselves in as little as two years and typically last 10 or more.