Buying Your First Home - Watch Out! Family Articles | August 17 Tom Brady Rush Jersey , 2007 If you are buying your first home, there are people who will help you get into all types of trouble. Well, mostly it is one type of trouble: financial. Here are some examples. Watch Out For Real Esta...
If you are buying your first home, there are people who will help you get into all types of trouble. Well, mostly it is one type of trouble: financial. Here are some examples.
Watch Out For Real Estate Agents
You might think that real estate agents would love first-time home buyers, since they can influence them and make a sale more easily. In reality Julian Edelman Rush Jersey , though, many people are very hesitant to make a decision when they buy their first home. It will be the single biggest purchase they have made in their lives, after all, so they want to take their time and see a lot of houses. Meanwhile, the agent just wants a sale.
Don't be pushed to make a fast decision. It may be true that a particular house is "not going to last long," or it may just be something an agent says. Either way Jake Bailey Jersey , their are other homes, and you need time to get a feel for what is available and at what prices. This education is crucial, and comes primarily from looking at a lot of homes.
The agent is not necessarily looking out for your best interest, by the way. Unless you hired him to represent you, he works for the seller and is even obligated to pass on any relevant comments you make, like "we can go higher on the offer if necessary." Keep quiet Hjalte Froholdt Jersey , and remember that the agent is a sales person, whose primary concern is to sell something.
Watch Out For Mortgage Lenders
When you are buying you first home, you are also buying your first mortgage loan. Lenders will be so helpful. For example, they will help you afford a loan that is too large by offering you a variable-rate loan with a low teaser rate. Of course they won't help the hundreds of thousands of families that are now facing foreclosure because those payments went up when the teaser rate period was over.
Variable rate, interest only, and even reverse-amortization loans (where you owe more each year) have all been "helpfully" pushed on first-time buyers who are trying to buy more than they can afford. You are told that buying a home is the best thing you can do. Sometimes this is true Yodny Cajuste Jersey , but it never is if you can't hold onto that home. If you really can't afford a home, a smaller home with a smaller mortgage loan is better - and if you can't afford that, renting is actually the best thing you can do.
Look at the worst-case scenario when considering a loan. For example, if you are considering a variable rate loan, ask what the payment will be if interest rates go up 5% years later. Will you be able to comfortably afford that? The banker may helpfully point out that the rate is capped at a 2% rise per year, but that just means the day of reckoning is postponed a little. In three years you could be paying almost $6 Damien Harris Jersey ,000 more per year on that $200,000 loan.
Watch Out For Family And Friends
The best intentions of friends and family can get you into trouble. When you are buying your first home you will get advice. Sometimes it will be good advice. Other times it will be a friend trying to get you to move to his neighborhood - the one you can't afford. Family too can push you to buy before you are ready, or spend too much. They don't always know what is best for you, so do your own thinking, buy what YOU need, and buy a home you can afford.
Stroke happens when a clot or rupture of blood vessel interrupts blood flow to the brain., thereby reducing the oxygen supply and as a result the brain tissue dies. 3 Types of stroke
Ischemia 鈥?caused by clot Hemorrhage 鈥?caused by a rupture TIA (Transient ischemic attack) 鈥?caused by a temporary blockage
1,85,000 鈥?strokes happen each year. About 1 in 4 stroke survivor is at risk for another.
The good news鈥?upto 80% of second~ clot 鈥?related (ischemic) strokes may be preventable.
Reduce your risk 鈥?consult your doctor and take appropriate treatment to prevent another stroke, which may include managing high BP, cholesterol Joejuan Williams Jersey , losing weight and discussing on consuming aspirin or any other medicine regimen tailor made according to the patient.
The longer the stroke goes untreated, the greater the chance of lasting disability.
Learn to spot the warning signs. FAST: F 鈥?Facial drooping A 鈥?Arm weakness S 鈥?Speech dysfunction T 鈥?TIME to call
Risk factors of stroke:
Inactivity Age High blood pressure Heart disease Diabetes Smoking Obesity and unhealthy eating OCP (oral contraceptive pill) Previous stroke and TIAS Binge drinking and substance misuse. Endovascular treatment 鈥?Stroke Surgery: Endovascular treatment is a type of minimally invasive stroke surgery, that removes blood clots from blocked arteries.
Speed matters: Once a stroke happens, the sooner the neurointerventionist restores blood flow the greater the chances of a favourable recovery.
Trained specialists: Neurointerventionalists are doctors who are specialized in treating vascular diseases of the brain and spine such as stroke and aneurysms, using minimally invasive approach. Endovascular treatment 鈥?is the most effective stroke treatment for patients with large vessel occlusions. This break through treatment has potential to improve the lives of the 15 million people who suffer strokes worldwide each year.
Reference ED Macculey, PHD N'Keal Harry Jersey , VICE president, university of Calgery
87% of the strokes are ischemic, caused by a clot in the brain.
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