Top Ten Tips - How to Get the Best Deal on Your Mortgage

Top Ten Tips - How to Get the Best Deal on Your Mortgage



Taking out a mortgage loan just doesn't finish your job. You are the one who has taken the loan so take care of paying it back because that might create a problem for you. To be paying it back comfortably you need to get the best deal. With the market flooded with mortgage packages, it gets very hard to choose the right one.


Even if you know what you want some packages are so confusing that they make you do thinking again.

So, how do you get the best deal? The best way to do it is by taking the following 10 steps and be assured that you are getting the best deal.

1. Make a list of things that you require in your mortgage like the rate of interest and the time period. This will narrow down your choices. You will be able to figure out what type of loan you want.

2. Consult a broker because you might not know all the available deals in the market and the broker just might be able to hook you up with a great one.

3. Since you are the one who is taking the mortgage, you should consider comparing offers. Comparing different offers will give you an insight into what is being offered and how does it benefit. This will help you rule out the unwanted offers.

4. Don't settle on the first mortgage offer that you get you should look out for other offers as well. You might feel that this offer might be best for you but look around because you might be missing something that the other offer is covering.

5. Once finalized on the offer make sure that the company is genuine. It is often that the company is a sham and you end losing. So, to avoid that do a proper background check on the company.

6. Look out for the fancy language that is used in the mortgage packages. Try reading between the lines and know what they are actually conveying. You know what is best for you so don't get confused.

7. Don't forget to consider the application fees because usually that is ignored and causes trouble in the end as.

8. Everybody wants a lower rate of interest but don't just be lured by this line. Be sure that by offering you low rate if interest you are not compromised somewhere else. Be sure about the lender because many try to trick you into paying higher interest or unnecessary insurance premiums.

9. Be sure that you are comfortable with the exit penalties coz you never know when the market changes its course and you get a better offer. And when you get a good offer, you don't want to be tied down to the previous one.

10. Consult a financial advisor before you finalize a deal. Read your contract carefully to avoid any confusion later on. Don't mind asking questions. You are putting your property at stake so be clear and ask as many questions regarding it as you want.

Catholic Church of the Transfiguration by DOS Architects

When it comes about houses or hotels creativity of architects is huge. We’ve already shown you incredibly beautiful and sometimes strange projects like Nautilus House or Cleveland Clinic Lou Ruvo Center for Brain Health. But this time we want to show you amazing project of catholic church of transfiguration created by London based design studio DOS Arhitects. This concept have won a competition to design a 2000-seat church in Lagos, Nigeria. The project consists of variously-sized arches at four-metre intervals, creating a swooping roof. This steel structure will contain a two-storey congregation hall with glazing at either end emphasising the hall’s height. Construction is expected to begin in 2011.





desitecture- vertical city, venezula

'vertical city' by venezualean architectural firm desitecture is a proposal situated on 23 de enero caracas, venezula - which was originally designed to become a mass housing block for residents to live and work in. on january 23rd, 1958, when the dictator president jimenez was ousted following a military coup. masses of homeless and lower class citizens flooded into the tower and it has since become known as 23 de enero. to cope with the threat of eviction the residents became more organised and networks of exchange and communication formed within the towers which became self contained micro communities.

as the area on which the tower is constructed, is that of slums, this gives value to previously worthless land. the stakeholders now have options either to move out of the slums and reside in a new unit within the tower in its emerging micro economic community whilst deriving an income from their share in the land development or to relocate altogether, somewhere new. although this would have the effect of breaking up the established community. the tower releases land, provides work and acts as a negotiator for an engagement with capital. the city gains a new quarter providing fresh produce and enhanced transport links and facilities, to a new economic zone.

the three cups, define distinct user groups and activities, which are nonetheless related, typically they could contain college level activity, university and research economy business; or retail, hotel, apartments; or social housing, local administration and offices. the tower has all the elements of work, leisure, home and a sense of place in one entity. access to and from the tower takes many forms,
cable car, helicopter, water taxi car or metro. bars, cafes and restaurants should flourish in such a climate, taking their cue from many roof top venues. the tower it is hoped will become a destination in its own right with 24hr zones of activity.

the 180 storey tower's structure bears a strong relationship to the folded spoon analogy, with the bowl being the elliptical lagoon and the shaft and vertical legs supporting the cups. the tower appears to be a twisting cantilever, but is in fact a simple structure, with only the top cup having a cantilevered element. the main support are the vertical and diagonal structural frame containing circulation and services this runs through all the cups and in the first forty five storey's supports the palette shaped overlapping gardens and city farms.

beneath the tower are four levels of vehicular access and parking covering an expansive area, which incorporates the piled structural legs and the diagonal main composite core, which grows into the structure of the lagoon, acting as a tabilizing counterweight to the tower. the inner structure of the cups is a diagonal structural grid into which the wheatsheaf pattern of woven individual units








Vaneeza Ahmed - V for Vlawn Summer Collection 2010

Vaneeza Ahmed - V for Vlawn Summer Collection 2010


Pakistani fashion model Vaneeza Ahmad aka Vinny launched her own lawn collection under the name Vlawn. Soon as Vaneeza Ahmad introduced her own lawn collection, it gathered huge acclaim and fan following.

Not to mention, one of the biggest reasons for this success is that it has Vaneeza name attached to it. Keeping that aside, Vaneeza's creativity and versatility is manifestly evident in her fashion design collections.

Vlawn 2010 is a chic compilation of summer colors, eccentric designs and Vaneeza's very own artistic skills have added a zesty element to this year's fashion collection.











Beautiful Pics Of Tina O'Brien

Beautiful Pics Of Tina O'Brien











Amrita Rao Unseen Snaps

Amrita Rao Unseen Snaps













Samsung Q-Series Notebooks Compact and Powerful

Samsung updated its Q series notebooks with two models for those who seeking a compact and powerful laptop. The new models of Q series are the Samsung Q530 15.6-inch and Samsung Q330  13.3-inch notebook. Characterized by sober lines and classic colors, the two models are often houses 26.4 mm (for Q330) and 27 mm (Q530) that despite the reduced thickness, incorporates a DVD writer, Card Reader 3-in-1 memory and an HDMI output.

The weight is not netbook but still remains low, are 2.63 and 1.97 kg of Q530 are those of Q330. Under the shell are the Intel Core i3 which, together with dedicated video card NVIDIA GeForce GT310M (512 MB DDR3) or Intel integrated graphics HD graphics and 3 GB of DDR3 RAM, allows viewing and editing HD movies photos and HD LED video screen.

Also well-sized 6-cell battery with a maximum range of 6 hours and convenient when traveling the USB plug that allows you to recharge your MP3 player or cell phone even when the PC is off. No lack of Wi-Fi, DLNA and Bluetooth 3.0. Given the budget, design and reduced thickness of the two Q series models are not for sale cheap: the Q530 costs € 849 while the smaller Q330 costs € 899.

How to Achieve Soft and Young Skin

How to Achieve Soft and Young Skin

Once a woman begins to age, her skin starts to lose its fresh and glowing look that may cause a lot of distress to her. Being under constant stress, she may experiment with a number of creams and skin care products to make changes in her skin that would make it appear as young as before.



The fact most people fail to understand is that applying make-up or several other creams on top of your skin does no good, unless and until it is being nourished from within. Only then can it glow healthily and appear beautiful. The kind of skin most women dream of is not
difficult to obtain at all and this dream can become reality by following few instructions.

Drinking adequate amounts of water is highly important. The more water you drink, the healthier your skin would be. Keep yourself hydrated at all times.

"Beauty sleep" is essential too. When you sleep, the damaged skin tissues start being repaired and growth hormones get to work. If sufficient sleep is not taken, those tissues will not be repaired completely and will show up on your skin by making it look rough and
unpleasant.

A healthy diet is an equally important element that contributes to younger and softer skin. Eat lots of vegetables and fruits, and avoid foods that have too much oil, are rich in sugar level or junk food.

To make your skin softer and smoother, you can use moisturizers. However, make it a point not to use those that contain mineral oils, fragrances, and alcohols. Skin care products that are organic should be used as they are easy on the skin.

Other ingredients that add the softer side to your skin include almond, avocado and grape seeds oil. They make the skin soft and beautiful naturally.

Chicken That Thinks She is a Penguin

A chicken Mumble from China is always standing upright and straight. And it seems like that Mumble is sure she is a penguin.



 

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