What Is an Earnest Money Deposit?

Prospective new home owners can often become confused by the strange-sounding terms used throughout the process of looking at homes, finding one they love, and wanting to actually buy that house. There are a lot of steps involved from looking to moving in. One of those steps at the decision-making stage is the earnest money deposit. The Earnest Money Deposit The earnest money deposit is important because it tells the seller of the house that you are a committed buyer with the money to go ahead with the sale. Without the earnest money deposit, there would be nothing to stop a prospective buyer from making offers on many homes, which would result in them being taken off the market until the buyer decided which one they liked best – leaving the other sellers in the lurch. These days, most sellers insist on having a deposit of some kind as a...
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What Is a Short Sale?

In the course of looking for a dream home, prospective buyers will often hear the term “short sale.” No, it does not mean you can move in right away. A short sale refers to the owner of the house being willing to sell the house for less than its market value. A short sale can potentially be a good deal, but there are a number of things to watch out for before getting too excited about the “bargain” in the perfect neighborhood you’ve been longing to move into. Why a Short Sale? A short sale is usually triggered for one of three reasons: 1) They don’t care about the money so much as getting rid of the property because they don’t want it any more. 2) They want to get rid of it quickly because they are paying two mortgages. 3) The house is in foreclosure due to them not...
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Why You Need a Website If You Are a Fiction Writer

If you are a writer, you need a website or blog. There are three main reasons for this: 1. You Can Showcase Your Writing Having your own website is like a shop window online, where people can read your writing and follow you as a fan. A lot of people have turned to social media for writing and marketing, but the truth is that social media is here today and gone tomorrow. In addition, the social media sites set the rules, not you. Even if you have 5,000 fans on your Facebook page, for example, you might notice that you only get a tiny fraction of views. This is because Facebook rewards pages that have a lot of likes, shares and comments, and shows their content to more people. If your fans are not showing these “social signals”, your great content might not get seen by anyone at all. With...
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What Happens After My Offer Is Accepted?

You’ve found the home of your dreams, and made an offer. What happens next? Quite a few things, is the answer, before you get the keys to your new home. The offer may seem like the end of the process, but it’s actually just the beginning of the really important things you need to take care of. 1. Give Your Earnest Money Deposit Most house sales will include an earnest money deposit to show you are serious about your offer. The deposit will be accepted by the realtor and put into an escrow account. It will count towards your down payment and/or closing fees. It will usually be 1% to 3% of the asking price for the house. 2. Apply for Your Mortgage Ideally, you’ve been pre-approved with a lender, but now you need to finalize terms and get ready to sign on the dotted line. This is a crucial...
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Ways Short Stories Can Earn You Money

Short stories can help you earn money in a number of way. The digital age has created a new interest in short, sharp fiction, as the internet generation looks for “snackable”, entertaining content to help pass the time when they are waiting for the bus and so on. 1. Building Your Name and Brand Smartphones and tablets have changed the way we consume content. So has blogging. If you want to get your name in front of an eager audience, write briefly and consistently and you should soon develop a fan base. In addition to your blog or site, try other prominent short story sharing sites. Wattpad allows all users to upload their stories and for others to read them for free. Readwave shares “3-minute stories” written by users. Both sites can get you noticed quickly. If you ever do decide to try to work with a traditional publisher, they...
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Osteoporosis Symptoms – What to Know About The Silent Epidemic

Osteoporosis symptoms do not occur when you first develop the disease.  For this reason, it is called the “silent epidemic.”  It sneaks up on you until one day you have a fracture or broken bone.  But over time, you will begin to see various osteoporosis symptoms.  These include:   Back pain Slumped posture Bone fracture and breaks Compression fractures   Eight million American women and 2 million American men have the condition.  As many as 50 percent of women will develop the disease in their lifetimes.  Caucasians and Asians are more likely to develop Osteoporosis than people of other races, but it strikes everyone.  Post-menopausal women are the ones most at risk.   Osteoporosis is caused when bone mass decreases.  This results in the bones to be more susceptible to fracture. Bone is constantly being broken down and reabsorbed by cells which are osteoclasts, and then rebuilt by other cells...
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What Expenses Will I Have When Buying a Home?

Many people get so excited at the prospect of owning their own home and dealing with the down payment and mortgage, that they overlook the many expenses that go into buying a home – both at the start and on an ongoing basis. Note that some of these fees might be up front, and others rolled into the total cost of your mortgage, in which case they can have a significant impact on the actual amount you will have to pay in the end each month. A Deposit Sometimes you will be asked for a deposit right away to secure a home. It will usually be part of your down payment. It should be refundable if the house does not pass inspection for any reason. Home Inspection Every house should be inspected to make sure there are no hidden issues that can end up costing you big time once you...
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Useful Writing Resources to Help You Achieve Success

There are many resources dedicated to the art of writing and becoming a successful writer. And the number online is growing all the time. Here are some of the best: 1. Writer’s Market http://www.writersmarket.com This is the best writing resource available, for a number of reasons. It gives hints, tips and practical advice on all aspects of being a writer, from starting your first work to what to do once you have been published. It lists paying markets where you can start earning money as a writer. It also breaks down the information into specific types of writing, such as: * Children’s writing * Poetry * Blogging * Short stories And more. In addition, it lists contests, calls for writers, and the latest information on literary agents. Twilight series author Stephenie Meyer got her start from all she learned subscribing to Writer’s Market. Make the most of all the free...
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Osteoporosis Medicine – The Types Of Treatments For The Condition

Osteoporosis medicine is prescribed when you come down with the disease.  Osteoporosis is a disease which makes your bones brittle and susceptible to fractures and breaks.  It is a serious condition.  20 percent of people who suffer from a spinal break due to osteoporosis will die within a year.  That is why you want to take your osteoporosis medicine.   Post-menopausal white and Asian women are the groups most at risk for the condition.  8 million women suffer from osteoporosis and 2 million men do.  It is estimated that 50 percent of women will come down with the disease at some point in their lives.   Osteoporosis has no cure but it can be treated.  Osteoporosis medicine includes:   Actinol – Actinol is a bisphosphonate marketed by Aventis. Actinol is a prescription medication that prevents and treats postmenopausal osteoporosis. It is the only oral monthly osteoporosis treatment that has been...
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What Does a Realtor Do Besides Show Me Homes?

A realtor can offer a wide range of assistance to prospective home buyers. Choosing the right one can save you a great deal of money and secure you the home of your dreams. Is Every Real Estate Agent a Realtor? The quick answer is no. Therefore, you need to be sure you are working with a professional realtor. It is important to be clear about definitions. * Real estate agent: Anyone who earns a real estate license can be called a real estate agent. They need to attend classes and pass their exams. * Real estate broker: This is a real estate agent who has taken further classes and passed a broker’s license exam. Brokers can work alone or hire other agents to work for them. * REALTOR®: A realtor is a real estate agent or broker who is a member of the National Association of REALTORS®, and must therefore...
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