If you fear black-colored molds, that's good.  While not all of them are toxic, many are, especially  Stachbotrys chartarum . Needs moisture, organic material and oxygen to grow. All molds spread through spores that float, like in a ventilation system. The spores themselves are not dangerous, but the mycotoxins they carry are. The mycotoxins, toxic trichothecenes, are produced by molds.   Only a third of black molds form toxic compounds. People with a weakened immune system or of older age are especially vulnerable. For details, go to a World Health Organization publication-- WHO Guidelines for Indoor Air Quality:  Dampness and Mould  ( this is how they spell mold in Europe ). Microbial pollution can be caused by hundreds of bacteria and fungi, in particular filamentous fungi ( mold ). Mold is associated with building moisture and biological agents. Causes respiratory symptoms, exacerbates allergies and asthma and perturbs the immunological system. 10 warni...

Well, there are now wars on several fronts.  Of course Ukraine, and the Republican civil war in our House of Representatives.  Now,  Hamas terrorists are creating havoc in Israel  with their attack in Gaza.  Look for a decisive response and watch how the price of oil changes.   A glance at the right column on petroleum prices shows that the $100/barrel price precipitously dropped to $84/barrel from a week ago.  Interesting what this will be on Monday.  Interested in buying or selling your home?  Notice that mortgage rates are now at around 7.5%, and seem headed for 8%.   Read this to understand how mortgage rates differ from long-term interest rates . Way back towards the end of 1981 it was up to 18.39%.  This was during the Great Recession.  Then, a gradual drop over two decades, and the  30-year mortgage rate  was was down to 2.67% at the end of 2020.  The past 34 months saw this sudden escalation. We...