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Five great tips for first time home buyers

The housing market is fraught with danger these days. Foreclosures are at a record high. Many people entered into the first time home buyer market a few years ago, with hopes of attaining the American dream, only to have their hopes dashed when those higher interest rates translated into mortgage payments they could not pay.

Unscrupulous lenders approved loans to families that didn’t foresee the mortgage ballooning to an untenable amount. Lenders quickly sold the mortgage and the new homeowner was left to deal with the fine print and an income which would not meet the obligation. Today, home prices have fallen by as much as 20%. Here are five solid tips for first time home buyers in today’s market.

The number one tip for first time home buyers is to be sure your income is secure. This is challenging indeed. Virtually none of us can be sure that the job we have today will be there tomorrow. If you’re buying a first home, make sure your down payment is significant and your mortgage payment can be met for the foreseeable future. Don’t buy into an agreement that allows for a higher payment requirement than you can afford within the next three years. Time flies.

Next on the list of tips for first time home buyers is the type of loan you accept. If you’re a vet, go for a VA, federally insured loan. VA loans are guaranteed. VA loans require that the home you’re purchasing meets a higher standard of construction. Should you become unable to pay the mortgage, the VA guarantees that the mortgage will be paid by the government.

Among the list of tips for first time home buyers: gather all of the insurance policy guarantees applicable to your situation. Read the fine print. Remember what happened to the victims of Katrina. Many of these homeowners are now homeless. Protect yourself with ironclad insurance.

Perhaps the most important tip for first time home buyers is to have a savings account which will cover those situations in which you may be called upon to cough up some cash unexpectedly. In the excitement of owning your first home, it’s easy to discount the possibility of a natural disaster, a medical emergency or any number of unexpected repairs. Any of these eventualities can spell disaster in meeting your mortgage.

Last, but not least in our list of tips for first time home buyers: You are setting a precedent for your future credit. Buy your home when the price is right. Don’t be tempted by a real estate agent’s word that prices have hit rock bottom. You may find that the housing market has not bottomed out, and your mortgage may be overpriced. You’ll still be responsible for the monthly payment and end up selling your first home at a loss. Buy smart. Wait for the time that’s right for your income.

Ride In a Limo to the Airport If You Want to Feel Important

Choosing the Best Limousine Service

When you think about a limo, the first thing that comes to mind is luxury, when in fact, there is so much more to it. Employing a car service to the airport is probably just as important as renting one for your wedding day. The difference in the limo rental company you choose could be based on a variety of reasons, not the least of which is excellence in service, after all, the last thing you need is for the driver to show up late for the prom.

Affordable

Securing a stretch limo for your wedding day may not seem like such a big deal, until you try to pay for it. As you shop for the best limousine service available to you the price you pay will be an important requirement. There is no point contacting a limo rental company which is considered as over priced and outside your ability to pay. The limo you reserve should not have to place a financial strain on your wedding budget.

stretch-limo-at-the-airport-with-a-young-businessman-and-private-jet

Reliable

When you shop for the most appropriate limo rental company, it is just as important to establish a good track record as it is to know what kind of stretch limo they will turn up with. After securing a reservation for the airport limo, you will need to know that you can depend on it getting you there on time, just as you would expect a timely pickup for the prom. A reliable limousine service can usually be verified through a list of references.

Flexible

An ideal limousine service will take away any concern you may have when you plan your event. From the kind of stretch limo they provide you with the knowledge that they will be there when they say they will. Whether the limo you require is for your prom date or your ride to the airport, if the service is overbooked you won’t be able to use them anyway. Remember, your time is important to you; a great limousine service will be willing to work around your schedule.

Five terrific preschool craft ideas

When kids are about three or four, they’re just beginning to develop their hand-eye coordination. You can provide them with something to do with those busy little fingers, as well as helping them use their imagination in creative ways, with some fascinating preschool craft ideas. Here are just five to get you started. Each of these easy and fun preschool craft ideas can be modified with variations, enough to keep the most inquisitive child busy with craft projects for months on end. Encourage the kids to offer their own suggestions on variations. You’ll be surprised at the many ideas they’ll come up with on their own.

1.Mittens decorated with face fingers: Take an ordinary pair of mittens, several different colored squares of felt, some markers and bits of yarn. Before you bring the project to the kids, cut out lots of little oval shaped felt pieces for the ‘finger faces’. Using child-safe glue, let the kids glue one oval to each finger. With markers, they can draw eyes and mouths on each finger, then glue bits of yarn on for hair.
2.Found object collages: This preschool craft idea is always a winner, with plenty of variations and no set formula or materials. Use heavy construction paper or hardboard and glue. Collect your materials from the backyard, on walks in the park or a trip to the beach. Leaves, pine cones, sand, sand dollars, flowers and pebbles work well. Let the kids apply glue to a small section of the paper and arrange them in any way that pleases them. When their collage is complete, let them paint the entire picture with clear acrylic from the crafts store. This seals and protects any greenery or flowers from oxidation. The colors stay fresh for many years!
3.Decorated treasure boxes: Buy plain, lidded, balsa wood boxes from the crafts store, along with a set of acrylic crafts paint and brushes. Spread out newspaper and let the kids go to town with their ideas for their own treasure box. When dry, coat with a clear acrylic finish.
4.Binoculars: All you need for this project is two empty toilet paper cards, some clear tape and markers. Tape the two rolls together. The kids then draw their designs and voila! Binoculars. This keeps them occupied for hours, looking at everything from this new perspective.
5.Cellophane sun catchers: Gather cellophane, in a variety of colors, some construction paper and school glue. The cellophane can be cut in any shape, but circles, squares and triangles are easiest to work. Cut two pieces of construction paper in a shape to frame each piece of cellophane. Apply glue to each piece of paper, lay the cellophane on top of one and set the second piece on top of the cellophane. You can string these together with yarn and hang in the windows.

Your kids will love doing these projects! These preschool craft ideas will produce budding young artists by the time they go to school.

Tarantula salad automobile

Today’s weird topic is “tarantula salad automobile”.

I wondered what would happen if I searched the internet for these three random words.  What would the fastfindinternet produce for my review?

Before even opening a Google page, I will ponder.

My thoughts immediately conjure images of a giant tarantula crawling across a table of food.  It sticks its multi-eyed head onto the plate and then proceeds uncautiously to crawl onto the food.  One by one, its eight bulky furry long legs crunching leaves of lettuce and cucumber slices.  She pauses to consider the cherry tomato but stretches over it easily.  The diner is unaware because he has left the table for a moment, to use the restroom.  A tiny but functional water closet in the corner of his RV.  Like a stretch limousine in Westchester chauffeuring the wealthy, this great airport limo automobile that has transported him and his future widow to all over their country.  Sixty feet of rolling freedom, this afternoon has stopped in the Arizona desert to admire nature’s beauty.  But one of nature’s oddest beauties is promenading across their healthy plate of vegetarian salad.  Romaine lettuce, sliced green cucumbers, yellow shallots, black olives, and red cherry tomatoes.  All have been trounced by her spiny hairy tarantula limbs.  On her way to find something more meaty to eat.  A cricket, perhaps.  She will wait for tonight.  One of those creatures also snuck it’s way into the sleeper automobile.  But no, tonight the owners will not get any sleep; no respite from the cricket’s song.  Not until the she-tarantula dines.

Is this Tarantula about to eat its own salad or become a salad? You decide.

Is this Tarantula about to eat its own salad or become a salad? You decide.

Maybe I have got it all wrong.  Perhaps what the fastfindinternet will offer is a recipe.  A relatively unknown recipe for dining on this sweetly delicious delicacy of tarantula thorax, and the crunchy saltiness of tarantula legs.  Unknown to most Americans, but not to the less discriminate palates of the Far East.  Perhaps less discriminate is not the correct description.  The villagers have very discriminating tastes.  They have learned how to produce the most colorful flavors through the passage of many generations of recipe perfection.  Mother to daughter, grandmother to grand-daughter, aunt to niece.  All have experimented with various preparation techniques and all have produced their favored method of preparing tarantula salad.  One think is consistent though.  All over Cambodia, the various village families have all learned that the best way to harness all the juicy midsection flavor of this yummy arachnid is to deep fry it.  Deep fried tarantula.  The hot bubbly peanut oil searing in all the juices, while softening the spiny hairs and crunching the leggy exoskeleton.  Absolutely the best may of preparing tarantula salad.  Now they just need to toss in some caterpillars and mealworms.  Yummy.

 

So what does Google show us when we ask the fastfindinternet for a result?

Type it in for yourself and see which of these silly ideas is closest to what shows up on your search.  It will be fun!

 

Fast Find an Airport Limousine Service

Imagine you land at NY airport and you are got by a well-dressed chauffeur that leads you to the stylish extend limousine while individuals interestingly stare at you. NYC Limo offers you a lavish select and shed regard arriving or departing from the airport. They provide you a comfortable celebrity design ride to your destination.
If a dear one is arriving at NYC York airport to go to you or some vital firm associates are checking out you, you can easily get hold of them collected by a limousine which will certainly pamper their moods when they land.
If you are seeing shed off loved ones at airport, it is finest to avail limousine solution due to the fact that you will certainly not have actually to focus regard traffic and you will certainly have the ability to pay complete focus regard checking out them off.
The NYC limousine programs pay additional focus to you and offer you in a means that you really feel special. One feels enjoy a celebrity by the class and design limousines offer. Those that usage NYC Limousine solution are surprised by the cost-effective speeds they provide when it come to their extravagant vehicles.
It is a great suggestion to go regard a lengthy restful drive along with your loved ones prior to dropping them at the airport. You will certainly have the ability to your last minutes along with them memorable. It is highly suggested that you send a limousine to collect your vital firm clients or associates from the airport since very first impression is the last impression.
NYC limousine programs have actually well trained chauffeurs that make certain to take you to airport well in time when it come to your flight or collect your visitors from airport free of making them wait. Limousines have actually a great protection tape so one can easily travel in a limousine along with complete peace of mind.
To make certain that you avail all of programs that limousine programs provide free of any kind of trouble it is constantly recommended to timetable limousines in advance. In this means you can easily stay clear of last min issues enjoy non availability of called for limousine.
when you usage a limousine when it come to select up or shed off at the airport, it is noticeable that you will certainly like making use of in once again when it come to this objective in future because of the comfy and classy solution they provide at cost-effective rates.

Crazy Science Experiments

Learning the scientific method and all of the basic science facts is important, but the best way for kids to learn has always been through doing. Science experiments are often neglected in schools, but when they are used for learning, a lot of good can come of them. A science experiment can not only teach young students about geology, biology, or whatever else they are working on, but can also help them to understand the scientific method, and inspire a love of learning. And a love of learning, after all, is the most valuable tool a student can have. Learning to be inquisitive is central to being a good student and a knowledgeable adult.

When I was in school, I absolutely loved doing science fair experiments. I know that that fact marks me as a nerd, but I do not care. I would drop everything for an interesting science experiment. Whether it was learning to make a glider in middle school or testing various compounds on bean plants in high school, it was all fascinating to me.

As a matter of fact, with all of the science projects that I did as a kid, I used to think that I would be a scientist when I grew up. My interests ended up taking me in a much different direction later in life, but I still have kept up with the main discoveries in the sciences. I love to go to science expositions and fairs, read Scientific American, and experiment with electronic circuits in my basement.

Still, it is rewarding to me to help young people succeed in their science experiment. I volunteer as a mentor and after school tutor, and get to work on all kinds of projects. I even got to take a group of students to a national robotics championship last year, one of the most interesting experiences that I have had. Although I can not spend my full time doing science, I still get to inspire young people to enjoy it.

Of course, I do get to do some genuine scientific research every now and then. I am an avid and scientific gardener, and every year I try different things to get the best yield. My last science experiment with my tomatoes resulted in the best crop yet. I got an extra 3 tomatoes from every plant last year – not bad for a minor alteration in soil chemistry.