
Buying a new house requires you to put in a lot of effort; right from visiting different relators to applying for a loan requires, the entire process has to transpire smoothly. The process of buying a house is difficult, and if you are a first-time home buyer, the entire process becomes more overwhelming. Without the right guidance, there are high chances that a first-time home buyer will end up making certain mistakes that can cost them dearly. In a bid to keep tabs on online listings and ensuring that your dream home doesn’t slip away, people often end up making certain mistakes, and these can be easily avoided if you are appraised about the same.
Here are some common mistakes that first-time home buyers usually make.
- Not prioritizing the credit report: It is common knowledge that our credit report can make or break a deal. So, for a first-time home buyer, the credit report is that ace which can help them secure the desired loan. However, many first-time home buyers often overlook the importance of keeping tabs on their credit report; a slight error on the part of the credit company can cost you your new home. To keep track of your credit report and devise ways to improve your credit, you can check your credit report for free from each of the three credit report agencies: Transunion, Equifax, and Experian.
- Not waiting for the pre-approval letter: Everybody is out looking for their dream houses, and there are high chances that another individual might be vying for the house you have short-listed for yourself, and since sellers don’t wait around for anyone, they grab the best deal they get. Another error that first-time home buyers often commit is setting out to buy the house without getting a pre-approval letter from the lender. This proves quite detrimental if the other party has all the documents, including the pre-approval letter, ready.
- Buying a house that you cannot actually afford: One of the most prominent mistakes first-time home buyers usually make is buying a house that is beyond their purchasing power. No matter how big or attractive the house is, if you cannot afford it, you must not buy it. Irrespective of what you believe, taking a loan to pay the original loan doesn’t yield a desirable result. Instead of getting yourself into a dilemma, use a mortgage calculator to fathom how many monthly payments you can afford. Also, determine how much money can be saved since you will need to keep money aside for maintenance purposes.
- Not hiring a real estate agent: People often are of the opinion that not hiring a real estate agent can help save money. However, if you go about looking for a new house for yourself, and especially if you are a first-time home buyer, this process can be extremely time-consuming, and there are high chances that you might not find what you are looking for.
Ensure that, as a first-time home buyer, you wouldn’t make these mistakes.
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Most common causes for hair fall
Read moreFor most of us, it is such a frustrating moment when we notice strands of our hair snuggled around the teeth of the hair brush. Hair a greater asset for us to get that extra charm in our stunning personalities. In today’s world, most us shed hair furiously and there are numerous reasons behind the hair fall.
There are some absolute best ways to protect the hairs says experts and to deal with the breakdowns one can focus on some these departments: Nutrition, Shampoo, Laser Light Therapy, Hair Replacement Propecia, and Minoxidil.
One thing to understand is that hair loss cannot be done away with completely. Baldness can come through genes, hormones, lifestyle, stress etc. But to some extent, there are few natural remedies that can make the hair stronger and healthier, through this process hair loss can be reduced but definitely, it will prevent from balding. To manage a healthier hair is only by eating quality food combined with graded treatment by a professional dermatologist. The result can be fabulous!
There is a world class classic proverb that goes ‘no style is the best style.’ It really works for the hair because the more hairstyling it is more harmful. Using certain chemicals especially and other artificial agents often tend to harmful to the hair at times. Definitely, styling is important because that keeps us attractive but remember not to follow regularly. Constant use of hairstyle and heating equipment such as air color, serums, straighteners etc. can damage the hair’s healthy and turn the scalp frizzy.
Apart from the home remedy, another innovative hair loss treatment for hair re-growth is ‘Stem Cell Therapy.’ It is a process of three to four months of therapy. It is absolutely safe and effective for both men and women. It is non-surgical treatment to re-grow hair follicles in a healthier manner. The stem cells start to stimulate those long dead hair follicles even on the areas of baldness, it can regenerate themselves through cell division.
Some of the more natural ways to stay away from hair loss could be daily 10 minutes’ meditation. Relaxing through this process is good for the overall health. A good sleep cycle of 7-8 hours will also do you good. Explore yourself with healthy eating habits. In your diet include a bag of protein, hair regrowth vitamins, iron, minerals and omega 3s. It could be like: 5-8 varieties of vegetables, 3-4 varieties of fruits, mix of dry fruits, egg, 1-2 serving of lean meat and seeds.
Enjoy these foods by cooking it differently and consuming it every few days. Then in about a week you would be loaded with a bag full of nutrients.
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Affordable car insurance quotes for you
Read moreGEICO, a trusted car insurance brand, offers cheap and affordable car insurance quotes that are healthy for your pocket. That provides the best line insurance for your vehicle, and you stay in peace while they cover all the major risk factors for you. Listed below are some of their discount offers on car insurance:
Vehicle equipment:
There are a lot of discounts on vehicle equipment. You can save up to 25% for driver-side air bags and 40% for full-front seat air bags. This discount will also be applied to medical payments or personal injury portion of your car insurance premium.You will get 5% discount on the collision portion of your premium if your car comes with a factory installed anti-lock braking system.
Does your car also have a built-in anti-theft system? Then you will get another 25% off on the comprehensive portion of your premium.
You can earn on some car insurance coverages if your car has Daytime Running Lights as standard equipment.
Driving history and habits:
Do you have an excellent driving record? It can earn you some discounts. If you have been driving without an accident for five years, you can save up to 26% on most coverages.If you and your passenger always use seatbelts, it will bring benefits. You will get 15% discount on the medical payments or personal injury protection portion of your premium.
Driver’s education:
You can save more on your premium if you have completed a defensive driving course.If you have a young driver in your family who has completed a driver’s education course, you may earn discounts on certain coverages.
Be a full-time student with good academic record. It may earn you 15% discount on certain coverages. In most states, students between ages of 16 and 24 who are at least a “B” grade holder are eligible for this discount.
Customer loyalty:
If you insure more than one car with GEICO, you will get up to 25% off on most of your car insurance coverages.