- Things You Need To Know Before Getting A Cat
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Is your child going to school for the first time or is he nervous as he prepares for the new school year? Put their worries to rest and give them a head start with the latest title from popular Usborn author Everything You Need to Know Before You Start School.
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Join five animal friends as they start school in this delightful introduction to the school day. From getting dressed in the morning to getting home from school, telling stories from the animal’s point of view, including their candid observations of the activities of a typical school day, is the perfect approach to allay your little one’s fears. In addition to the charming illustrations, they can also learn some early years educational concepts such as shapes, colors, opposites, numbers and counting, dressing up, seasons, letter recognition and much more.
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Each page of the book is full of words to learn and is a toddler-friendly book for adults and children to share, read and discuss together.
Product dimensions: 24.6 x 29.6 x 1.9 cm| 700 g – Number of pages: 26 pages – Format: Board Book – Suitable for age: 3 years and above. If you’ve never bought a home – usually abbreviated to just a flat – you might be surprised by all the different issues that need to be considered. Buying an apartment is not the same as buying a house. You will likely have adjoining walls with neighbors, as well as other physical elements that differ from a detached home.
In addition, the entire process you have to go through to decide and get a mortgage can be significantly different.
One of the first things to ask yourself is, “Are you an apartment type?” and what exactly does that mean? Being a city dweller, for example. Many apartments are located in urban settings. Housing is growing in the city centers, and some are even building conveniences right in the settlement, including grocery stores, bank branches and other businesses. With this convenience can come more noise and congestion.
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If you are considering a particular location for a potential home purchase, check the area at different times of the day and night to see how loud or brightly lit it is. If noise or light is a problem, this may not be the right choice.
One of the things that comes with home ownership is a Home Owners Association (HOA). It sets out a Statement of Covenants, Conditions and Restrictions (CC&Rs) that lists the things you, as a homeowner, must comply with if you want to live there. If you find that you won’t be able to adhere to the CC&Rs, apartment living may not be for you. Failure to comply can mean you can be fined, forced to comply or even sued.
Condos may be a suitable choice for a certain type of person, such as a first-time homeowner who cannot afford a more expensive single-family home. Apartments also offer the advantage of low maintenance. This can be an attractive feature for older people looking for less at home to physically manage. Apartments can also be an attractive choice for a person who wants to be in the center of a big city.
Buying an apartment can be more difficult than buying a house. Lenders are very careful when giving loans for this type of apartment. They usually require a certain percentage of the units to be occupied by people or, as they call it, “ownership.”
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Another limitation may be how many apartments a single investor is allowed to own. Typically, lenders do not want one person to own more than 10% of the units in a building. Many times, lenders also have regulations regarding the occupancy level of the building. Some lenders require at least 90% of units to be sold before offering financing.
Discrimination in mortgage lending is illegal. If you believe you have been discriminated against based on race, religion, gender, marital status, use of public assistance, national origin, disability or age, you can take action. One such step is to file a report with the Consumer Financial Protection Bureau or the US Department of Housing and Urban Development (HUD).
Lenders may also have stricter loan-to-value (LTV) ratios and restrictions on home buyers. The LTV ratio is how much the home is worth compared to how much it owes. For example, if you put 20% down on the house, your LTV would be 80%.
Home mortgages backed by the Federal Housing Administration (FHA) last for up to 30 years; they are known as Section 234(c) loans. While the terms and conditions for borrowers are similar to those for home loans, the restrictions on homes are many; the building must have at least five units to begin with.
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Home ownership can come with other costs. Although the HOA offers insurance, you may also be required to have additional homeowners coverage. Read all the paperwork carefully and make sure the insurance offered by the HOA does not transfer the risk to you in order to keep premiums lower.
Also, be aware that you will have to pay a monthly condominium fee. All owners in a condominium complex pay fees to cover the ongoing maintenance and repairs of the common areas in the complex. Fees typically cover maintenance of areas such as lobbies, elevators, pools, recreation rooms, parking lots and grounds within the complex. Some funds may be held in reserve to pay for major repairs, such as a roof replacement or exterior painting. Apartment fees vary widely depending on the size of the complex and the amenities offered.
One of the most important things you can do to protect yourself when buying a home is to research your HOA and attend an HOA meeting. You may also want to talk to the neighbors to see if they are happy with the management of the apartment. Review the bylaws to find out what the HOA covers. You can also request minutes from recent board and member meetings and find out how much HOA fees have increased over the past few years.
Another area to investigate is the board’s history of litigation, both on taxes and other general issues. You may find there are lawsuits pending that you may not want to be a part of if you buy. Some housing associations have been forced into bankruptcy due to unpaid housing contributions. Lenders may also stop offering financing on the units if they default on their levy payments, which could affect resale values.
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Review financial records for arrears and reserve funds. A good association should have at least 25% of gross income in reserve for emergencies and repairs. If they run out of money, you can get an estimate. Don’t forget to check recent property tax assessments as well. If the sale price of your home is low and the tax assessment is high, you may be facing a higher tax bill than you expected. Make sure the taxes are in line with the true value of the property.
Condominiums can be a good investment for the right buyer in the right location when times are tough, although they are more difficult to buy and sell than a detached house. Before you buy a home, be sure to do your due diligence and check the HOA, CC&Rs, and any tax and insurance situations.
Also, be sure to find a real estate agent and lender who has a lot of experience selling homes, as the issues surrounding this type of purchase are not as straightforward as with traditional single-family homes.
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1. Schedule a preconception checkup with your health care provider at least three months before you become pregnant.
This visit gives you time and space to talk about your desire to get pregnant. Before you go, be prepared to talk about your:
It includes all past pregnancies, miscarriages, stillbirths or abortions. Tell your doctor if your periods are regular, and about your past and current use of birth control, past Pap test results, and any sexually transmitted diseases or other infections you’ve had.
Medical conditions such as diabetes, asthma or high blood pressure can harm a pregnancy. It is best to work with your healthcare provider to control any medical conditions before you become pregnant.
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Talk to your healthcare provider about any history of mental illness, both past and present. Poor mental health that is not well managed before pregnancy can increase