You have made that all-important decision to buy a house. Your dream is finally close to becoming a reality. Once the decision is made, the real work begins. It is imperative to get your finances in order.
Pay Down Your Debt
When you begin the process of looking for a lender, you will find that most want your total debt to be no more than 38% to 40% of your gross income.
For example, your income is $ 3000 a month, and then the bank figures your total debt can be $ 1240 a month. If you already have $ 1000 in debt, you will only have $ 240 left over for mortgage payments. By paying off credit cards and car loans, you will greatly reduce this number an increase your borrowing power.
Begin with the highest interest items first, normally credit cards. Then move onto car loans and lastly, student loans.
It is always a good idea to get into the habit of paying off your credit cards completely each month and never carry a balance. Few things can kill the dream of homeowners quicker than credit card debt.
If you are finding this difficult to do, then follow the rule of pay yourself first. That means, take 20% of your pay check to pay for something you really want or to put into savings. In this case, it is making a credit card payment.
If you take care of everything else first, you may never have enough to pay down your credit card debt.
Get the Down Payment Together
If you do not already have a savings account, get one now. If you find it hard to save money, use the pay-yourself-first technique. Every time you get a paycheck, put a pre-established percentage into your savings account and then make sure you leave it alone while your down payment accumulates.
Even have a separate savings account for your down payment will allow you to see what you are accumulating towards your dream of homeownership. You will be surprised at how fast the balance grows if you pay yourself from every pay check.
A large down payment is the key to loan qualification, especially if you want to qualify for a larger home loan.
Clean Up Your Credit Report
Good credit not only helps you qualify for a loan to begin with, you get a better deal when you do get the loan.
Lenders will look at your credit report.Bad credit does not mean you will not get the loan, it just means you will have a much higher interest rate and you will be required to pay a much larger down payment than someone with a good credit score.
Credit Report vs. Credit Score
Did you know that your credit report and your credit score are two different things? Your credit report is a list of thing like your credit card and bank accounts, outstanding loans and you payment history. Your credit score is a rating of how …
Large wall in interior present a big challenge of decorating with the right style. However unique ideas for large walls can greatly improve the interior mood of the space in a very short time because of the visual attention it gets easily. However at the same time a large wall can easily spoil the whole mood in a matter of minutes if done with improper planning.
There are many ways of decorating a large wall. Firstly what you can do is choose a wall decor style that will have a repetitive patter with large patterns. This will break down the wall into small compartments so that each individual unit is obviously smaller than the total size of the wall. This can be achieved by using a chosen wallpaper design.
Another way to achieve this is by creating a mural on the wall with your selected theme. The mural must match with the overall theme of the room interiors. If you have chosen a contemporary design theme for interiors then the wall-decorating theme must match the entire theme for the purpose of continuing the visual connection.
You can also use curtains to break down the large volume of the wall. Simply divide the length of the wall into 3 or 4 sets and use curtains as a way to sooth the heavy volume of the wall. While selecting the curtains keep in mind the overall decorating theme.
I am going to show you another twist to this idea. It is not always necessary to decorate a wall with external elements such as wallpaper, picture frames, cladding tiles etc. What you can do is create openings in wall if possible. Of course this will not work with every wall. But if the wall is only a divider between two interior spaces just as divider and if privacy of either of the space is not an issue, then this technique can be use very effectively used.
Creating openings in the wall will immediately break down its volume and also add visual connection between the two spaces. The newly opening can be decorated using curtains too.
Copyright Shrinivas Vaidya …
You are on your first date with your dreamdate. Sexual body language signals to tell you they are hot for you. Tips on flirting for the successful dating game.
1: Gazing adoringly. When associated to someone, we all have problems moving our gaze. Even when the object of our lust has ceased speaking, the lustful stare is still happening. To be a little provocative, use this to your advantage, and during a pause in conversation, keep your eyes on your date to the silent count of five. Conversely, the more often your date blinks, the more nervous they are.
2: Hands. Clenched fists, tightly knited hands or hands pressed against the mouth indicate nervousness and tension. Worse still, is if their hands are holding up their head as this shows total boredom, or they are about to collapse with fatigue or alcohol. Anxious people tend to
Hold their own hands or fidget with objects on the table. Hands placed openly with palms facing up on the table indicate a more relaxed open person. If you are terribly nervous, try having your hands loosely clasped on the table, as this gives off better vibes than gripping your fingers together or folding your arms. Placing your hands on your chest while speaking makes you appear lively and truthful.
3: Volume of speech. If they consider you their equivalent, their tone will not be too high or too low. Very loud voices tend to belong to dominant personalities and very soft veer to the meek.
4: Subconscious autoerotic touching. Sexy thinking leads us to subconsciously touch ourselves, for several reasons. Firstly, to gain attention to various body parts. Guys and girls will both stroke their lips and girls will rub their upper arms, thighs, hips and waists. Secondly, we touch ourselves to tease the other. Thirdly, when sexually excited, blood is rushing around engorging extemities, making everything supersensitive. Touching ourselves then feels good.
5: Mouth. A very strong sexual body language gesture is when your date starts to eat, drink or smoke faster. Thinking about sex gets you touching your mouth. Putting things in your mouth can aggravate that you are interested sexually. Girls lick ice cream cones, play with spoons and suck their fingers.
6: Her Hair. Interested girls will start playing with their hair. Fluffing her hair, stroking her hair, and the strongest of all, the flick of the hair, are all body language signals of availability or flirting. However, if she should start to hide behind her hair she is showing disinterest.
7: Fiddling Guys. As guys become more sexually excited they start to give off their own flirting signals. These can include rubbing his nose, playing with his tie, sliding rings over fingers, and fiddling with loose coins in his pocket. Adjusting his hair is a sign that he is wanting to look good for you.
8: Checking out your butt. If you catch your date checking out your butt when you leave the table to visit the bar …
You can express home accents in thousands of ways. Picture frames, quilts, clocks, candles, and mirrors-are what makes a house a home. All these things added together can give your home the personal touch. You can get good ideas on the personal Touches you can add to your home by going through the various home décor options.
It is not necessary that interior design must be purely decorative. You can find a host of items that are not merely functional but also stylish. You can enhance the look and feel of your room by including unique shower curtains and clocks. You can also select from a range of ceiling fans that come in various styles and colors to cool yourself in summer. You can make the ceiling fan itself serve as decorative pieces by choosing them in various styles such as one in an ornate, baroque style etc.
Glass can also add elegance to your home by acting as a design element. You can use glass accents and mirrors to enhance the overall beauty of your home. You can also have a single large mirror by the doorway which can be an accent element for foyer. There are other varieties other than mirrors that can be chosen for this purpose.
There are a host of other home accessories which can add to your personal taste and style. You can have pictures and picture frames which come in a variety of colors and styles. You can select the perfect frames and other unique pieces of art work to compliment your pictures. You can have these pictures included in the focal point in your room or have it on a dry wall surface. Here the area is soft and inserting a hook is fairly easy. Once you are finished with the painting, paneling and wall paper you can consider some wall hangings such as prints, framed photographs or original paintings.
You can also include some unique antique pieces or decorative items and place them in some spots where it will be visible to guests. But having too many items in the living room area is also not advisable as it will bring a cluttered appearance to the room. Selecting a few small items that are unique and appealing to the eye will enhance the beauty of the living room space and make it stand apart from the rest. You can keep these small tips in mind while thinking of home improvement or a change in home décor. …
Choosing between a cat and a dog isn’t always a straightforward process. In short, cats are generally cheaper to own and easier to care for because of their independent nature, while dogs are more social creatures, but require a lot more money, attention and time. Here are a few things to consider before introducing a cat or a dog to your home:
Cats are a perfect choice for people in search of an independent pet or those with a busy lifestyle and limited indoor space. Most cats are able to entertain themselves and will be happy to be left alone to sleep. The ability to venture outside and explore by themselves means there is no need for walking. This is certain to benefit the pet owner that is less active. However, cats do enjoy being played with and like social interaction so shouldn’t simply be left to their own devices at all times. A certain degree of care is required for cats, especially long-haired breeds. Some need daily grooming to avoid issues with matted coats.
Cat owners do not need a lot of space inside the home. However, a safe garden or similar area is certain to be appreciated. A cat can stay content even if kept in the home provided it is given a clean litter box and fed an appropriate diet. Also, they are easier for a neighbor or friend to look after when you are away for a few days. Overall, cats can make the entertaining, relaxing, affectionate and loving pets.
Dogs are a practical choice for the active and energetic person or simply those that love to spend a lot of time outdoors. A dog needs regular walks, fresh air and stimulation. Any home with a safe and secure garden is certain to be ideal, although easy access to open spaces like local parks it just as well. Also, dogs are great when travelling and on days out. But, it is important to give appropriate training. This should include being comfortable when travelling in a vehicle if needed. Dogs are a solitary animal, so cannot be left alone all day like cats. They need a lot more attention, so this can impact those with the long and demanding jobs. A further time related issue is putting in the effort to provide proper training and grooming.
Also, individual differences in dog breeds must be considered. Dogs vary in relation to size, hairiness, temperament and shape, so careful consideration is needed to identify the perfect companion.…
Anyone who ever said apartment hunting is easy, especially in any of the major metro areas in southern California such as Los Angeles or San Diego, is incredibly naïve or never had to do it themselves. With a sprawling geographic area like southern California, and the many cites and communities within that area, an apartment search can be especially daunting. Even with the advent of rental databases, the search can be difficult as many databases may have listings that are outdated or provide inaccurate data.
However, you can be much more successful and make your apartment search a lot easier by being an apartment finder with:
Some people believe that when the weather starts getting colder and the leaves start to fall, it is time to put away the gardening tools and wait until next spring to work on their garden again. Wrong.
Winter is an important time to maintain your garden’s health and assure yourself a good crop for next year. You may think that might take too long to prepare your garden, but the truth is that it takes less than one day to prepare your garden for the upcoming winter. When the nighttime temperatures drop to less than forty-five degrees Fahrenheit for more than four days in a row, or frost is forecast for your area (usually around late October or November) you know its time to begin preparing your garden. You should begin by evaluating your garden design, check which plants grew well in the past season, and which plants did not do well.
Fall is a good time to decide which plants will remain in you garden next year, and which ones should go. It is also a good time to decide which new plants you want to grow. To make your garden more colorful and healthy, be sure only to plant the more hardy plants during the fall so that they can withstand the winter.
Some plants that will do fine being planted in fall are: rudbeckia, Aster Novi-belgii, Anemone Japonica, panicle hyandea, endive, escarole, and Brussels sprouts. You can find all of these and more in gardening magazines or your local nursery. After you have finished this you should begin cleaning up your garden. Begin by pulling out weeds that may have cropped up, and raking fallen leaves. Weeds and rotten leaves can carry insects and diseases that might be harmful to your garden. You should also rid your garden of spent annual plants, and harvest your vegetables and other plants that cannot withstand the winter weather.
After fall has come and gone, the leaves will be off your trees and you can see the rotten branches. Trimming off the unwanted branches from your trees isn’t necessary to your gardens health, but may help later on by not dropping branches on your plants and not blocking too much of the sun. If you have younger trees you should consider wrapping them and supporting them with stakes to help them survive the winter wind and cold.
Putting mulch over your garden for the winter can be a helpful way to protect plants from sudden temperature changes and heavy snow. For mulch you can use about five inches of shredded bark, pine needles, or a variety of other materials. You have to be careful not to mulch too early, because some insects may still be alive and able to take shelter in it for the winter.
Once you are finished with your gardening tools you should clean them and make sure they are in a safe place where they won’t rust and you know where they’ll be for next year. Before …
My mom's kitchen was off limits when I was growing up. Mom viewed the kitchen as her private domain; she did all the cooking for our family and yes, all the cleaning, too. A pretty good deal for me, my brother and my dad, you say? Yeah, mostly. But looking back, it would've been nice to have had cooking experience when I was young, rather than having to teach myself how to do it as an adult. But that's all hindsight, right? At the time, I was happy to have extra play time – and fortunately, I also really liked my mom's cooking (still do).
One of the things I recall in particular from Mom's cooking is the way she had with eggs. Scrambled, to be exact. Mom's eggs always came out firm, but never over cooked, with a slight fluffiness. Beside salt and pepper, her eggs always carried a taste of something else … some mystery spice. Now, of course, when I ask her about it, Mom says, "Oh, I do not know, I just played with them until they tasted right." Well let me tell you, as an adult, I spent years trying to recreate Mom's eggs in my own kitchen! I'd try butter; I'd try margarine. I'm try cooking on high heat; I'd try saute-ing on low heat. I'm trying adding salt and pepper in advance; I've tried adding the spices at the end. I'd try adding a dollop of milk; I'd try adding a teaspoon of water. And you know what? I was never get able to get my eggs just right, the way Mom made them. How frustrating!
It's funny how our experiences from childhood shape our ideas of what is "correct" and "right" – to the point where we can dismiss the beauty of what might be happening in the present. The fact is, my scrambled eggs these days are pretty darn good! Different from my mom's, to be sure, but equally tasty. I cook 'em slowly with olive oil, add a bit of milk, and inject a variety of spices that would likely shock my mother, including thyme, dill, garlic and onion powder, oregano and even a touch of cinnamon. They taste nothing like the eggs I grow up with, but they're mine – and even my wife likes them (or so she tells me).
It's all about expectations. When leading my corporate team building activities, I find it helpful to remember that people come in with a variety of pre-conceived notions. Perhaps they recall with fondness the particular type of scavenger hunts they did as children; sometimes they are expecting a familiar brand of treasure hunt clues, a customary level of competitiveness, or a remembered quality in the prizes. I think our job as facilitators of team building exercises is to remind participants to have an open mind to what's happening in the present. Our programs are bound to be slightly different from what people are expecting, but who knows? The new …
When you're living life on a grade scale, you expect your home to exude that same kind of aura and charisma. Simply put, you deserve nothing but a Tuscan home décor, with all the trappings of luxurious personal spaces and earthy charm.
Beauty In Signature Italian Style
Here's a décor that recreates the sheer beauty and warmth of a blissfully idyllic Italian villa set against the backdrop of the pristine landscape. The hallowed monopoly of Italian craftsmanship ensures quality that's an exemplar par excellence. The simply divine amalgam of traditional and modern elements is nothing short of a match made in heaven.
Welcome It With Open Arms
Creating this beautiful and cozy home décor may seem rather arduous to many. Here's an insight into the essential elements that add to its iconic essence:
See, it's really not that hard to infuse the spirit of Tuscany in your home. …
Monophobia is an irrational fear of being alone. There are a lot of people who don’t like to be alone but not a lot who actually suffer from monophobia. In order for your fear to reach a level of being a phobia there need to be physical symptoms involved. If there are physical symptoms you are going to want to know what your treatment options are so that you can get over your monophobia.
Monophobia is not the same as being uncomfortable on your own, it only occurs if you have panic attacks when you are left alone. Therefore any treatment for the condition is going to require that the panic attacks be addressed. Therefore almost any treatment option will include lessons on how to control your breathing so that you can avoid panic attacks or get them under control when they do happen. This is an important first step before you move on to the actual treatment of monophobia.
The most common treatment that will be used to treat monophobia is psychotherapy. This will involve talking to a therapist to find the root cause of your fear. This can be a very effective way of treating monophobia but it can be a slow process as it will likely take many months to get at the underlying issue and figure out how to address them. This is why most therapists combine psychotherapy with other treatments that will help you in the short term.
The most common of the treatments that is usually combined with psychotherapy is a program to desensitize the patient. This will require that the patient be left alone for short periods of time so that they can face their fear and get used to being alone. As the therapy progresses the patient will be left alone for longer and longer periods until they reach the point where they can be left alone most of the time. This will not completely get rid of the fear but it will allow people to at least control it so that they are able to function in a normal setting.
Another common treatment that is widely used for monophobia is hypnosis. Hypnosis has a long history of helping people to deal with phobias so it is no surprise that it will work here as well. Basically while you are hypnotized they hypnotist will convince you that you are not afraid of being alone. Again this is not a cure but rather a short term fix that will help you to function.
One last option that your therapist may consider to help treat monophobia is medication. Usually the medication will be to address the anxiety that you feel when you are alone. This is an approach that therapists normally only use as a last resort. This is because they don’t want you to become dependent on the medication. The medication does not deal with the phobia but rather with the symptoms so it is only effective if it is used in conjunction …