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The first thing to do when you decide to buy a home is to check your credit score . This is because all banks or loan providers look for a specific credit score before they sign them up for a loan. Conventional loans will look for about a score This is because all banks or loan providers look for a specific credit score before they sign them up for a loan. Conventional loans will look for about a score of 600 or higher (the FICO scale goes from 300 to 850) but the FHA will look that the home buyer has a score of at least 580 to receive the 3.5$ down payment condition.

Debt-to-Income Ratios

Much like with the other requirements, lenders are becoming more lenient when it comes to debt-to-income ratios. Thanks to some policy changes by Freddie Mac and Fannie Mae, banks and other lenders allow higher levels of debt, especially when compared to 2 or 3 years ago. Because first-time homebuyers might still owe some money on car mortgages or student loans, this change is much needed.

Getting a home loan is presently still relatively easy, which is why wanna-be homeowners should start their search for their dream home before this changes. In fact, if you have always dreamt of having your own home, then now is the right time.

A top rated canister vacuum is convenient for the fact that it has a flexible hose and there is no need for the main unit to be in the exact spot where you want to vacuum, taking into consideration that it comes with a lot of tools and a series of features, makes it more versatile than an upright vacuum. Before purchasing there are several factors to consider:

1. Ease of use - Weight: lift the vacuum to make sure it's not difficult to carry - Handle: check if the handle is conveniently positioned making sure the vacuum is easy to carry - Mobility / Protection: check if the vacuum has proper wheels so that it won't scratch the surface while offering the best maneuverability. Shock absorbers are a plus for furnishings. - Accessibility: the on/off switch should be easily accessible either by hand or foot - Attachments: make sure the attachments are easy to attach and detach - Ergonomic: make sure the vacuum is comfortable if you prefer a backpack vacuum

2. Bagged or bagless - Bagged vacuum cleaners have non-disposable but usually disposable bags made of material that captures fine dust particles which can be a plus if you are allergic. This means you will either have to clean the bag or buy replacement bags. - Bagless vacuums have a plastic or metal container that holds the dirt and a filter that protects the motor from the dust particles. The containers and filters are washable so there is no need for buying replacement bags. Sometimes the filters are dishwasher safe.

3. Operating radius Take into consideration the operating radius. You might need a long hose while sometimes a long hose it's more of a pain. The cord's length should be long enough so you won't need to often change the socket or use an extension cord while vacuuming. We recommend you to choose a vacuum with a telescopic wand rather than two-piece wands for more maneuverability.

4. Nozzles and tools - For high traffic areas and pet hair a powered nozzle is the best choice. This means that there are 2 motors one for suction and the other motor powers the agitator brush which lifts the pet hair and loosen dirt. If you have wood or tile floors make sure the vacuum comes with a bare floor tool also. - Look for a long extension wand if you want to reach high ceilings, top of curtains or ceiling fans, preferable a telescopic wand. - If you have upholstered furniture than an upholstery brush is mandatory. Most of the vacuums include a dusting tool also useful for furniture surfaces and a crevice tool for narrow areas. - Make sure all tools are easily accessible, conveniently stored and easy to attach and detach.

5. Extra features. Some of the extra features are highly important while others are not, so take into consideration the following: - If you have dark corners you should consider the headlight often located on the nozzle or sometimes on the grip. - A long cord length should come with the automatic cord rewind feature. - Adjustable suction power is needed for draperies or carpets so you won't suck the life out of those :) - Another useful feature is the blower port.

6. Where can one purchase If you don't have time or you don't want to go to an electronics store we recommend buying online from Amazon.com. This will save you time and money and you can also read other customer reviews before buying. Watch the following video for the top canister vacuum recommendations:

  Mijas is in the Province of Malaga. It lies between Fuengirola and Marbella. This fascinating town belongs to the beautiful Costa del Sol.

The place has been inhabited by different people since the Bronze Age. It holds legacies of the Phoenicians, Romans, Moors and Christians. Mijas architecture, food and culture displays this mixed heritage.

It takes a one-hour bus ride to reach it from the capital town of Malaga. Tourism drives the regions economy. Cruise ships stop by Malaga. From there, private tours can be arranged to see neighboring towns.

Because its near the sea, the place has a semi-tropical climate. It experiences hot weather from May until October. Temperatures reach its highest at around 40 °C in August. Nights are warm as well.

In winter, days are warm and agreeable. It gets chilly during winter nights, but dont worry. It gets no worse than the occasional light frost. Light rainfall happens between October and April.

Its mostly sunny throughout the year thats around 2,920 hours of sunshine year-round. That gives you more time to explore and experience its sights and sounds.

Properties in Mijas

When looking for a property in Mijas, get to know first its two main districts. This consists of Mijas Pueblo and Mijas Costa. Landscapes and communities in these areas are very distinct.

Mijas Pueblo looks like an idyllic Andalusian village. It sits on the mountainside at 400 m above sea level about 10km away from the coast.

Cobbled streets and white-washed houses speak of its enduring past. Locals savor a traditional, relaxed, and festive lifestyle. This is why many artists and writers choose to settle here.

Meanwhile, Mijas Costa covers the 12 km coastline of the town. It contains the modern residential and commercial areas. Though it still retains some traditional character, the way of life is very much 21st century.

A twenty-minute drive from the pueblo will take you to La Cala De Mijas, the center of Mijas Costa. From being a tiny fishing village, its now a commercial center. It has schools, health centers, supermarkets, bars and restaurants.

Beach activities at the coast include wakeboarding, waterskiing, windsurfing and parapenting. Theres a coastal boardwalk if youre looking for a quiet stroll along the beach. Its a golfers paradise as well. You would likely find a golf course a few minutes away at any point in Mijas.

While Spanish is the primary language, many English-speaking people live in Mijas. The Town Hall also has a helpful Foreigners Department.

Generally, properties in Mija reach 1,998 EUR per square meter. The average build size is 45 square meters and plots are 1,320 square meters.

Aside from faulty electrical wiring, fire can happen because of carelessness. However, you can secure your family and home from fire. Having the best fire protection equipment in your home will keep everything and everyone safe, day and night. You can use a fire extinguisher, a fire alarm, You can use a fire extinguisher, a fire alarm, a smoke detection system, a sprinkler system, or various other fire safety tools.

How To Keep Your Kitchen Protected From Fire

The electric-powered utensils, oven, stove, and cooking oil all make your kitchen prone to fire. However, you can reduce the danger by following these tips:

Dont overload the power boards or electrical outlets with several appliances.

Make sure your gas-powered cooktop is leak-free. If it's an electric stove, check its connections and make sure they're safe.

Prevent accidental spillage when you cook by turning the saucepan handles toward the back of your cooker.

Keep a fire extinguisher in your kitchen.

Keep a fire blanket within reach in case of an oil-caused fire.

Keep the matches where kids cant find them.

How To Keep Your Garage Safe From Fire

The garage is the most overlooked part of a house in terms of fire safety. It's where you store cans of paint, methylated spirits, motor oils, and other flammable materials. To keep your garage safer, keep these flammable substances in their appropriate containers.

Likewise, you should throw out paint and rags moistened with oil after using them. Stop fire from reaching your homes interior by installing a self-closing door between your living space and garage. Disconnect power tools when theyre not in use, and avoid starting up your gasoline-powered tools in the garage. Also, dont forget to put a smoke alarm and a fire extinguisher in your garage.

Fire Safety Tips For Your Living Space, Bedroom, and Bathroom

Keep your bedroom safe from fire by making sure that the lights, electric blankets, heaters, and TV are turned off when not in use. If you're a smoker, be responsible and avoid smoking in bed. If your bedroom windows have a security grille, make sure you release it when necessary so you can leave the room quickly in case of an emergency. Screen log burners and open fires in your living room. Clean the chimney at least once a year.

Fire can also occur in the bathroom. Turn off the lights and unplug any electric appliance after use. Avoid hanging wet clothes or towels near the heater. You can install a smoke alarm in the hallway that runs outside your kitchen, and from the living room to the bedrooms. Check the smoke alarm every month and replace the batteries twice each year.

By following these safety tips, and keeping your fire protection equipment in good condition, your home will be safer than before. And of course, invest in quality equipment to get the best value for your money.

When it comes to rental properties, location is extremely important and you will find a great choice on www.mouseprice.com. When people look for places to rent, the location of the property is one of the first things they focus on. Make a point of buying properties When people look for places to rent, the location of the property is one of the first things they focus on. Make a point of buying properties that are in desirable location.

Properties that are in popular areas tend to cost a lot more. Because of this, it's a good idea to be aware of trends. Try to find out about appealing neighbourhoods before real estate prices start to rise. If you do that, you'll be able to buy up properties that will gain a lot of value in the future.

Look For Properties That Won't Require Too Much Work

Unless you're handy, you're going to want to focus on finding properties that are move-in ready. If you're going to be renting out a property, you're not going to want to choose a place that will need a lot of repairs in the future.

As the owner of the property, you're going to be responsible for all of the repairs. If you pick a place that is in rough shape, you're going to have to sink a lot more money into it in the future.

Work With A Great Estate Agent

Finding the right place for the right price definitely isn't easy. That's why you should try to team up with a real pro. Make a point of working with an estate agent who will be able to show you properties that are a great fit for you.

Try to find an experienced estate agent that will be able to find the kind of properties you're looking for. Take a look at realtors that have won awards for their work in the past. These are the kinds of real estate agents that you want to have on your side.

Don't invest in just any property. Take your time and try to find your ideal rental property. By the time you're ready to purchase your property, you should feel confident that this place is a great investment for you. You should aim to find some of the best properties within your budget.

Your bedroom interior Your headboard should perfectly It should be able to blend into your chosen theme for your room. A headboard is often a focal point of your bedroom and it should accurately reflect your personal style. You can find some fabiulous patterned headboards at cheapupholsteredbeds.com.

2. Your budget Headboards can be quite expensive. Working within your budget is very important. This will also very often dictate the materials you can choose from. For example, if you are working with a very small budget the last thing you want to do is set your heart on an expensive leather headboard. Also, if your budget is small, try getting creative with your choice of headboards. Check out second-hand dealership for something which can be easily repurposed.

3. Your ceiling height. This should be a very important part of your decision-making process. You simply cannot place a tall headboard into a room with low ceilings and a smaller headboard will look misplaced in a bedroom with higher ceilings.

4. Your materials The materials you choose for your headboard should be soft. This will not only soften the look of your bedroom but it will also ensure that you can choose from a variety of amazing colors. The materials you use can also determine whether your headboard will have a modern or a classic look.

7. Function It is vital that you consider the functionality of your headboard. Headboards can be used to store additional items such as books or trinkets. Alternatively, some headboards are purely decorative and do not include storage space. If you are looking for a headboard which can also be used to store items, make sure that your bedroom is large enough to accommodate it easily.

Ultimately, the choice of a headboard is up to the unique uses that you can put it through. Whether you are looking to jazz up your room or simply add a little flare, you are sure to find the perfect headboard to suit your needs. There are hundreds of options available to you and you simply need to do a little homework. Don't rush into the decision. Consider all the factors before you buy a new headboard because it is sure to be the focal point of your bedroom.

Designers and home developers count on the best 3d floor plans software to help them. You can do the same, and see just how much a difference it can make. You are going to love seeing how useful the software is when it comes to the You can do the same, and see just how much a difference it can make. You are going to love seeing how useful the software is when it comes to the design of your home. Give it a try to see how well it will work for you. It's going to be interesting to see exactly how you end up using the software to better the design of your home. You can discover the best 3D floor plan design software right now to see what it can do for you.

There are some secrets that a real estate Florida will never tell you about. Even though you may not have the inside scoop in regards to this, it was found that many if not all agents make use of some knowledge and secrets to ensure that they are able to be successful in the real estate business. Even though you may not have the inside scoop in regards to this, it was found that many if not all agents make use of some knowledge and secrets to ensure that they are able to be successful in the real estate business.

Staging of homes tend to change from one season to another The entire concept of staging was kept secret for a long time. Nowadays, the concept is talked about, and it is also something that is widely used. During staging, it is advisable that during the months of summer, you should make use of furniture that is shorter. This is important since it makes the room look longer, bigger and gives out a better fit. Another secret that you can make use of when it comes to staging is to play soft, soothing background music during the showing of the home so that you are able to make the home cozier which will have a positive effect on the buyer.

You can be able to negotiate with the agent about their commission. It is a secret to many sellers that they can be able to negotiate with real estate agents on their commission. However, it may not be a good idea for you to do this. This is mainly because the bad real estate agents are the ones who would want to discount on their commission. One of the main reasons as to why they may decide to do this is so that they can be able to win the business. As you may already know, you always get what you pay for. With this in mind an agent who is good at what they do and is able to carry out a quick transaction as well as be able to sell the house at a good price, then this agent deserves every penny that he or she is going to be getting from the sale. There are black holes that exist in the listings of real estates

Since people do not see black holes even if lights get out, then the hole is likely to remain invisible. This is the same thing that might happen is your listing falls into the black hole of real estates. Many cities tend to have black hole listings especially if most of the listings are not there or if they simply get lost to family vacations, weekends of fall into the non-business topics. If you decide to do a listing just before you leave town, then chances are high that your listing is going to go down the drain.

You should not sign a contract for even a month There can be profound consequences, as you may lose security, money, infrastructure, property and mental peace. Thats because being guarded by a service which is not able enough is as good as giving off money for nothing.

Security services do not essentially have to come in a patrol car. Guards may also monitor the place in cars or simply walk and do the job. You will know more about it by seeing videos of such guards on duty.

More information can be found at: www.shoopme.com

So you have decided that you are going to do some home projects all by yourself and save money. Before you embark on these projects it is important that you have all the required tools plus information.  There is a lot of information online but what exactly speaks to your niche?

Instructables

Born out of the Media Lab at innovation powerhouse MIT, Instructables is a DIY social network that covers the entire spectrum of projects — complete with step-by-step how-to directions — ranging from tying basic knots to building a loft for a large space to baking honey maple bread to sewing a felt bag. The site is easily searchable by category (featured along the top of the site), and includes slideshows, videos, and a questions-and-answers board. Instructables features both free and premium memberships. (Twitter: @instructables)

 ReadyMade

We’ve always loved ReadyMade magazine, and now, with the latest website redesign, we love that DIY-ers can search their entire library of archived projects for inspiration and detailed instructions. The ReadyMade forums allow registered users (it’s free to sign up!) to chime in on what kinds of projects they’d like to see published, share projects they’re working on, and more.

(Twitter: @ReadyMadeTweets)

Sourced from: http://www.shoestringmag.com/2009/09/technology-top-10-online-diy-resources/

Your next home DIY project is starring at you from your phone. Do you want to know how different colors would look like or do you want to find something that fits your budget? Your phone or tablet will come in handy. Houzz (Free, iPhone, iPad & Android)

If you’re looking for images to inspire a remodel, try Houzz, which CNN deemed the “Wikipedia of interior and exterior design.”

In a simple, elegant interface, you can browse more than 4 million photos by room, style, location, and furniture type, and save shots you like to a virtual scrapbook (similar to a Pinterest board).

Coolest feature: Plug in the name of any major paint brand and color (e.g., Behr in “Aged Olive”) and see images professional designers have posted and tagged with that paint color installed — especially helpful for nosing out the subtle nuances in different neutral grays, beiges, and creams.

RoomHints (Free, iPhone)

If you’ve ever wished you could quickly crowdsource decor advice, RoomHints is for you.

After entering what you’re looking for (a new sofa, paint color ideas, or even general advice on what to do with a certain space), upload a photo of the room, and design pros weigh in with recommendations.

Coolest feature: From the designer-recommended pieces that pop up, you can save favorites and even shop right from the app

Sourced from: http://www.trulia.com/blog/10-apps-need-download-diy-project/

YouTube is also a great resource when it comes to DIY projects for your home. All you need is good internet connectivity and you are off to learning. There are certain channels that offer greater content than the rest.

YouTube is an excellent resource if you want to be handier around the house. Whether you’re dealing with simple repairs or big improvement projects, these YouTube channels offer fantastic video tutorials that can save you time, money, and frustration.

The HouseImprovements YouTube channel covers a broad range of DIY projects including plumbing, carpentry, and electrical. Over the past four years, Shannon has created cover 125 DIY videos that range from projects for beginners to more complicated jobs like wood stud framing and how to hang dry wall. He does a great job of explaining projects and repairs in an easy to understand fashion. If you’re looking to tackle bigger home improvement projects, rather than small repairs, his channel will prove more useful than the channels listed below. He may not have the charisma of a Bob Vila, but if you want no-fuss help with your DIY projects, his YouTube channel is a must follow.

The FIX IT Home Improvement channel is the brain child of a former hardware store owner who made it his business to help homeowners with projects around the house. With over 6 years of “How To” videos at your disposal, you’re likely to find help with your home repair. Plumbing issues and repairs is his specialty, making his channel a great resource whenever you’re dealing with a toilet, shower, sink, or hot water heater. Whether you need help replacing a water heater pressure relief valve, replacing a toilet fill valve, or simply want to know how to properly set and place a mouse trap, the FIX IT channel has the answers.

Sourced from: http://lifehacker.com/the-best-diy-youtube-channels-to-turn-you-into-a-fix-it-1699686543