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Preparing to Buy a Home: 4 Things to do to Get Ready

Preparing to Buy a Home: 4 Things to do to Get Ready

Buying a new home is a life-changing experience. It can be long and tedious at times; however, it can also be a pleasant experience if you do some hard work in advance to get prepared. Here are four things you can do to get ready when buying a house.

Check Your Credit Report

Mortgage lenders use your credit score and history from your credit report in order to determine whether or not you qualify for a mortgage loan. Your credit score also determines the interest rate for your loan. You should check your credit report on a regular basis to make sure all of the information reported by the three credit bureaus is shown correctly. There are many online websites where you can monitor your credit report. If you don’t currently have any credit, it will be hard to get a loan. Many people will open a credit card through their banking institution. Once the card has been received, they buy gas or groceries with it and pay it off each month. The better your credit score, the lower your interest rate will be.

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If you have any delinquent accounts on your credit report, you should work with the creditor to bring your account up-to-date, offer a settlement, or pay it off in full. For any errors or discrepancies you find, you should send a letter or a claim form to the reporting credit bureau to dispute it.

Downsize Your Living Expenses

In order to purchase a new home, you will need to have money saved for the down payment, closing costs, and other expenses, such as moving.  By downsizing your current living expenses, you can use the money that you save for your new home. You can cut your expenses by moving into a cheaper place, stop eating out frequently, and reducing your cable bill.

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For example, if you are currently renting a house with a large rent payment, you should consider moving into an apartment with cheaper rent. If you are not sure where the best apartments are in your area, you should do an online search for “Dallas apartment reviews” or “Phoenix apartments.” Be religious about saving money as well. It may be hard at first, but once you are adjusted to cutting back, it will seem like a breeze and you will be in your new house in no time.

Take a Home Buyer Course

Enrolling in a home buyer course is helpful, especially for first-time home buyers. These courses provide information on steps that you need to take to purchase a home, look for a real estate agent, or apply for down payment assistance programs, and other helpful tips. The length of the course varies from one day to a few weeks based on who is offering the course.

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If you are interested in attending a home buyer course, you should check with local banks, real estate companies, and nonprofit organizations in your community. You may find that some companies offer this course for free or for a minimal fee.

Get Pre-approved for Your Mortgage Loan

Getting pre-approved for your mortgage loan is recommended before you start shopping for a house. A pre-approval allows you to know in advance how much you have to spend on a house. It also gives you a buyer’s advantage over other buyers, who haven’t been approved for a loan yet, when you make an offer on a house.

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As part of the application process, you may be required to provide documentation to show proof of income, employment, rental history, and other important factors. So you should start gathering these documents as soon as possible.

By using these four tips, you will have a jump-start on making your dreams to own a home become a reality.

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Last Updated on September 17, 2018

10 Reasons Why You Should Get Naked More Often

10 Reasons Why You Should Get Naked More Often

Getting naked is often thought of as an act that should only be reserved for intimacy—and even then some get squirmy! Many people are more comfortable believing that the more clothes you are wearing the better. However, getting naked more often can have great benefits for you. Here are 10 great reasons to get naked more often:

1. It burns more fat.

Your body’s main supply of brown adipose tissue (BAT), or good fat cells, are located around your shoulder blades and neck. When your body is exposed to the elements and is cooler, the BAT proliferates and essentially kills the white adipose tissue, aka bad fat cells. So, not wearing any clothes helps promote this and makes you healthier.

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2. You’ll become comfortable with who you are.

Self-acceptance is hard to come by today. Ask anyone you know and see if they are happy with themselves. Chances are they will say they are too fat, not pretty, and find all of the flaws that they can. In reality, others do not see this. They see that you are beautiful. When you begin to get naked, you learn to appreciate your body and realize how beautiful you really are.

3. It saves you money.

Being naked more often saves on buying new clothing since you are wearing nothing a lot of the time. Be careful when you are in public, though—you may have to put on some clothes!

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4. It increases your immune system.

Being naked and getting exposure to the sun’s rays actually increases your body’s vitamin D levels. Vitamin D is directly related to your immune system. When you have optimal levels of vitamin D, your body’s immune system is impeccable, and you will be better equipped to ward off viruses, including the common cold and flu. So go lay outside naked on your private balcony or in your yard.

5. It makes you face your fears head on.

People cringe today when you mention the words “get naked.” They are so afraid of it—and today’s children are so ingrained with this—that they must wear layer upon layer to deal with their body image. However, when you are naked, you face your fears of body image and self-acceptance, experiencing some of the best moments of your life.

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6. You will feel better in your clothes.

When you do wear clothes (because not everyone has yet accepted being naked in public), you will start to choose clothing that accentuates the parts of your body that you love. You will begin to notice that maybe that muumuu does not flatter your beautiful curves and start wearing clothes that you love.

7. You will embrace vulnerability.

When you put yourself out there, it is a natural reaction to have fear and worry. However, this is an opportunity to embrace being vulnerable. It allows you to think and get down to the core of what really matters and what is of importance to you. When you strip away all of the excess, you are 100% you and willing to take on anything that comes your way.

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8. You will show the world the real you.

Today, we have many ways of altering our appearance from our true body image when we wear clothing. Some people alter their image so much that they fear getting naked with the person they love. It seems crazy that this could even happen; however, the rise in use of breast-enhancing bras and Spanx products has put this idea into people’s minds. This all goes back to being comfortable with your true body image. If a person really does love you, then they should not love you based upon your image. If they do, then you may even decide that the ever-so-uncomfortable leggings that go up above your waist to hold in all of the imperfections may not be worth it after all.

9. You will have fun.

Well, this could go in all sorts of directions. But when you are comfortable with your naked body and see it as being flattering, then life is more fun. You start realizing that you are beautiful and are willing to do more things that you probably would not have done otherwise—with and without your clothes on.

10. You can have intercourse with the lights on.

Many people are self-conscious about the way they look and decide that the less lighting the better when they are intimate with their partner. It’s nothing new. If you survey your best friends, you will probably come to this conclusion too. They may say that it even gets awkward, because they are more concerned with what their partner thinks of their body than just having and enjoying amazing intercourse. When you love the way you look naked, you will also want to have your partner see you at your best.

What are you waiting for? Start spending more time in the buff today and begin to change the way you think about your body.

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