Steps to Take When Buying Your First Home

Buying a home is a big step to make. You will be making one of the most important decisions in your life. You have to prepare yourself for the entire process because it is not going to be an easy one. There are a lot of things that you have to do. Here are the steps you need to take when buying your first home.

Find out if you are ready to buy your first home

It is more expensive to buy a home than to rent one. You have a lot of responsibilities as a homeowner including home repairs and paying for additional utilities that you usually get for free when you are a tenant. You also need to pay for insurance and taxes. If you are not prepared financially, buying a home can put you into a lot of trouble.

Start shopping for a loan

It is important that you are preapproved for a loan before finding a home. This way, you can trim down your options only to those that suit your price range. Before deciding on a loan, it is best that you talk with at least three persons. You also need to take advantage of the best rates and this is where a mortgage broker can help you. The broker will be the one to look at different lenders to find the best rate. Once you find a loan that suits your needs, you can start looking for a home.

Buying Your First Home

Buying Your First Home

Know the different kinds of loans

There are different kinds of loans as well as payment options available. A 15 or 20-year loan with a fixed rate is usually the best option. This kind of loan requires low monthly payments, so it should not be a big burden on your end.

Determine how much you can afford

Make sure that your mortgage plus your home’s insurance and taxes will only use up 20 to 30 percent of your monthly income. Experts also say that the cost of your new home should not be more than two and a half times your salary per annum. Spending too much on the mortgage is not a good idea. You may end up compromising the other needs of your family and may not even save for retirement. It is better to get a smaller house as long as you do not have to worry about your monthly dues.

Things Every First-Time Home Buyer Should Know

Things Every First-Time Home Buyer Should Know

The steps that follow are somewhat easier especially when a real estate agent is there to guide you. Investing in a brand new home comes with a huge financial responsibility, so be sure to take it seriously. Know your mortgage options and always look for the best rate available. The last thing you want to happen is to lose your home because you were not able to pay your loan. So before you make the decision to buy your first home, make sure that you are indeed ready for it.

5 Workouts to Try This 2013

We all want to be fit and have great bodies we can strut whenever we want. The fact that you know you have a lovely body immediately spikes up your confidence. As good as it sounds it is not so easy to have a nice body. It takes a lot of hard work. You will have to exercise regularly. The past year may not have been great for you, but you can change that this year. Here are the 5 hottest workouts you ought to try this 2013:

1. Kickboxing

Kickboxing is a combat sport where the winner would be tagged as the toughest in the bunch. Despite being a tough sport, it has always been known as a good cardio workout. When compared with other kinds of cardio, there is a bigger chance that fat found on the waist and thighs will be burned through kickboxing.

You do not have to engage in the sport. You can always go for fitness kickboxing. You do not even have to break your partner’s nose. You just have to practice the kicks, footwork drills and punches.

2. Cardio strength training

Rather than doing the traditional (running, walking, swimming), you might as well take it to the next level. Instead of jogging for half an hour, you can do a bit of circuit training first. It definitely offers more intensity than typical cardio training.

Against cardio strength training

Against cardio strength training

3. Plyometric workout

This kind of workout involves jumping that allows you to burn calories. Plyometric training is designed to produce quick movements that aids in improving the functions of your nervous system. It develops your muscle power so you can run faster and jump higher.

4. Crossfit

Crossfit involves varied functional movements that are done at a high level of intensity. When we say functional movements, it refers to the things we do each day. If you visit a Crossfit gym, you will not see typical gym equipment. You will instead find barbells, climbing ropes, pull up and dip bars, and rowing machines among others.

5. Suspension training

This kind of training has become more and more popular. It allows your entire body to train. You do not focus on individual body parts only. You will need straps where you hold the straps and by your hand or feet. You can hang the feet into the straps or let your hand lean away from or into it.

Suspension Training: How Risky Is It?

Suspension Training: How Risky Is It?

Taking your workout to the next level is essential if you want to reach your goals in no time. Now is the best time to step up. There are a lot of workouts you can try. Take the time to know each one of them and see which one is perfect for you. Regardless of what workout you choose, remember to work hard. After all, the only way for you to see results is if you give it your all. It will not really matter which workout you select.

5 Dating Profiles That You Need to Pass Up

Online dating is a great avenue for you if you are looking for love but just can’t seem to find the right person. There are a lot of people who are engaged in online dating, which increases your chances of getting a date. Though online dating presents a good chance for you to find a date, there are personal profiles that you need to avoid. To avoid getting hurt and disappointed, here are some of the profiles that you might want to pass up:

1. The pessimist

The pessimist is someone who only sees the negative in everything that they’ve done in life. They vent out on their bad dating experiences and relationships. They enjoy posting their failures and what they don’t want to happen to their lives. Avoid this kind of person because they can be clingy and desperate.

2. The self-centered jerks

There are also some funny people in dating sites that spend more time appreciating themselves than finding a potential partner in life. Most of these people have pictures in their profile showing their abs and great physique. Also, most of them just write a few words in their profile. Avoid them at all cost because these are the types of people that are only focused on superficial things. They can also be boring and lazy people.

99A Gifted Man is the exact same genre inverted.

A Gifted Man is the exact same genre inverted.

3. The great salesman

Another type of person that you should be wary of is the salesman. These people write things in their profiles that are too good to be true. These individuals are like salesmen who pitch what they are selling and try to pump up things. These are individuals who are seeking for vulnerable people for them to take advantage of. Bypass these profiles when you see them.

4. The freeloader

There is nothing wrong by taking advantage of free things. In an online dating site, free users, however, are a natural red flag. These people are just not into the dating game. You certainly don’t want to meet people who are not really interested to commit to their dating profiles by buying a membership.

5. The speedster

Getting into a relationship is a slow process. However, there are some people who want to build relationships and get intimate fast. These are people who do not believe that stable communication and dating are necessary in online dating. They are more comfortable seeing that both of you have similarities based on what is written on your profiles then boom, the person will instantly ask you out on a date.

YOU’VE LOST THAT LOVING FEELING?

YOU’VE LOST THAT LOVING FEELING?

Online dating is one of the best things you can do if you want to spice up your love life. To ensure that you will have the best experience in online dating, avoid people that are not worth your time. Also, try to put yourself away from danger by doing background checks on people you have been communicating through these sites.

The Best Headphones to Use in the Gym

Every time you go to the gym to work, you need to find a way to make it interesting so that you won’t get bored while working out. When working out, you spend hours at the gym and people resort to music as a way of getting through the long hours. Ordinary headphones won’t last when you take it to the gym because it will be subjected to motion and sweat. You need a headphone that is tough, shock resistant and can last for hours in constant motion. Here are some of the best headphones that you can find in the market today.

Denon Exercise Freak In-Ear Headphones

This is a highly recommended headphone for gym workout. This is a great headphone because it has the best balance when talking about comfort, sound quality, style and price. You won’t find other headphone that has the same combination. One major advantage that you get from this headphone is it is sold in wireless version. You will no longer have a hard time inserting wire through your shirt. You won’t about the wires getting wet with sweat or getting caught on the gym equipments. Wireless is the new trend and is the future of portable musical players.

Monster iSport Immersion In-Ear Headphones

This headphone is one of the most comfortable headphones out there. It was designed with durability and quality in mind. This headphone is very popular because it splash and water resistant and is suitable for those who workout and are extra sweaty. Although it is a little expensive, it has cool designs and has sound quality that is second to none. It is crystal clear and the price that you are going to pay is all worth it especially after you use it.

Monster iSport Immersion In-Ear Headphones

Monster iSport Immersion In-Ear Headphones

Sony Sports W Series Waterproof MP3

Although this is technically not a pure headphone but it is used like one. This was first introduced during the CES 2013 conference. This functions both as a headphone and MP3 player. On top of that, it is waterproof. If it runs out of battery you can charge it for just 3 minutes. It is portable and is very light. Technically, this headphone is still not available but if you’re a fan, wait for the time that it will be made available by Sony.

Motorola S-10 Bluetooth Stereo Headphone

Aside from being a good looking headphone, it is wireless. It is also one of the most comfortable headphones to wear. Reviews have said that the quality of this headphone is also good. It produces rich and full sounds as well as on-ear control for easier track manipulation. It is also called Hydrophobic Mesh which makes it water-resistant and is therefore resistant to sweat. It is perfect for gym use especially you are jogging.

Mostly excellent sports earphones

Mostly excellent sports earphones

These are the top quality headphones that you can buy today. Although most of these headphones are expensive, what you spent is surely worth it because these headphones are of the highest quality in terms of build and sound quality.