Are Rent-to-Own Home Offers Legitimate?

Many people dream about owning their own home but don’t feel they can afford it, for various reasons. It can be a considerable commitment to scrape together a down payment and all of the legal and closing costs involved in buying a property from a seller. In addition, people might be deemed a credit risk for various reasons, which means it could be difficult to get an affordable mortgage, homeowner’s insurance, and so on. They might also have unpredictable income due to working for a commission, for example, making them seem a greater risk to the bank they have applied to for a mortgage. One recent idea for extending home ownership to those who might not otherwise qualify is the “rent to own your home” offer. The principle behind it is that your monthly rental payments won’t just be rent, or “dead money” as some people call it, but a...
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Questions to Ask Yourself before You Start Writing Fiction

If you’ve been thinking about writing fiction, there are a number of questions to ask yourself before you start. 1. Can I write what people want to read? There are two key aspects you need to think about: * Are you a great reader? * Are you familiar with the bestsellers in the genre you want to write? If you are a reader, you should have a good idea of what you enjoy. Chances are that other people will have similar tastes. If you tend to read the top bestsellers in your favorite genre, such as romance, mystery or horror, you will also have a pretty good idea of what sells. It may sound crass to talk about bestsellers and money, but the fact of the matter is that publishing is a business. You might be disappointed to find out that it has very little to do with creativity or...
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It’s Not Just about the Writing When It Comes to Fiction

Whenever a fiction writer decides to self-publish their work, they can be so excited at the prospect that they slip up on some of the most basic details. These details can make all the difference between success and failure. Here’s a checklist of essentials which go beyond the mere writing and contribute to the bestseller status of a book. 1. The Cover People really DO judge a book by its cover. It has to be as good as anything you would see on a store shelf, or side by side with your book on Amazon. Don’t skimp. Unless you are a professional artist and book designer, hire a pro on Fiverr.com. Check out their portfolios to make sure their style is in line with your vision of what your cover should look like. Discuss your ideas, and make sure your contract allows for revisions. 2. The Proof-Reading The book should...
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12 Marketing Tips for Fiction Writers

There are a number of ways to market fiction effectively. Here are some of the top ways to sell well: 1. A Great Cover People really DO judge a book by its cover, so make sure yours is as good as anything you would see on a store shelf. Hire a freelancer at Fiverr.com to turn your vision of your cover into a work of art. 2. A Great Blurb and Teaser Copy The “blurb” is what goes on the back of the book. The teaser copy can be on the back as well, or on the first page inside the book (you can put the blurb there too). These pieces of content are both designed to encourage the browser to read more. 3. A Great Author Website and Webpage Be proud of your work and showcase it on your site. Also make it a place where you are accessible,...
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Osteoporosis – Bone Health for This Condition

With osteoporosis, bones are brittle and often fracture or break.  There are no symptoms prior to the osteoporosis bones’ shattering and the disease can only be detected through tests in your doctor’s office.  You won’t automatically know your bones are getting thinner.   White and Asian women past menopause are most susceptible to the disease, but people of any age, race or gender can get it.  8 million American women and 2 million American men have the condition.  It is estimated that 50 percent of American women will experience Osteoporosis in their lifetime.  If you have osteoporosis, bone’s health is of paramount concern.   Spinal fractures are probably the most significant concern as 20 percent of people who develop this osteoporosis bones break will die within a year.  Other areas commonly affected are the hip and wrist.  Hip fractures limit mobility and often result in the sufferer having to move...
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Osteoporosis Causes the Bones in The Body to Become Brittle

Osteoporosis causes the bones of the body to become brittle.  In turn, they break easily.  It is characterized by low bone mass and loss of bone tissue that may lead to weak and fragile bones. Those with osteoporosis, have an increased risk for fractured and broken bones, particularly in the hip, spine, and wrist.   Once thought to be a condition of old women, the osteoporosis causes actually begin much earlier in life.  Peak bone density occurs at age 25.  So, it is important to build strong bones at a young age so that they will remain strong later in life.  Having adequate calcium is one of the ways people build strong bones.   10 million Americans already have osteoporosis and 18 million more have low bone mass that makes them susceptible to the disease.  4 in 5 people with osteoporosis are women.  1 in 2 women and 1 in...
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Managing Chronic Pain in Osteoporosis

The pain associated with osteoporosis usually comes from painful fractures that take a couple of months to heal. Typically, the pain slowly goes away as the fracture heals over time. The typical fractures associated with osteoporosis heal over a period of three months. Any pain that continues after the fracture has healed is classified as chronic pain. Causes of Chronic Pain One of the primary causes of chronic pain in osteoarthritis is vertebral fractures. While some people experience very little, or no pain from vertebra fractures, other people have intense pain accompanied by severe muscle spasms that continue to develop years after the fracture has completely healed. Pain is your body’s way of telling you that something is injured, or you are putting too much force on a part of your body that cannot handle it. When bones break, the surrounding nerves immediately send pain signals up the spinal cord...
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Forteo Osteoporosis Treatment – The Pros And Cons

There are benefits and risks of Forteo.  Osteoporosis patients should weigh the pros and cons before deciding to take the medication.  It is one of the newest cures for the disease, and it has its backers and detractors.  Forteo Osteoporosis cures can be appropriate for some people under some circumstances.   There are two main objections to Forteo osteoporosis medication.  The first is that it might cause a rare form of cancer known as osteosarcoma.  The other is that it is quite expensive.   Forteo Osteoporosis medicine has been on the market for four years.  It stimulates the cells that build bone to make bones larger and harder.  Older medicines like bisphosphonates, or medications like Boniva, Actonel, or Fosamax, kill the cells that degrade bone to slow bone loss.  Forteo increases bone mineral density in the spine to a much greater degree in a shorter period of time than bisphosphonates,...
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Bone Density Tests – Risk Detectors for Osteoporosis

Bone density tests allow you to know whether you are at risk of developing osteoporosis before anything bad begins to happen.  Years ago, the only time osteoporosis could be detected was after you broke a bone. By then, however, your bones might already be quite weak.  Today bone density tests, which are also called densitometry or DEXA scans, can determine if you have osteoporosis or are at risk of osteoporosis before you break any bones.   Bone density tests use special X-rays to measure the grams of calcium and other bone minerals packed into a given segment of bone.  It is a pretty accurate risk predictor. The results from bone density tests can let you know how you compare as far as bone mass with other people of your age, gender, and other similar characteristics.   When your mineral content is high, your bones are dense. Dense bones are strong...
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Are Foreclosure Properties Worth Buying?

Buying a foreclosed home is different in several important ways from buying a typical home. Being aware of these key differences can help you spot a bargain versus a property to pass up. The Pros The house will be vacant so once the deal is done, you would be able to move in right away. Sometimes the price will be competitive for the neighborhood you want to move into. The Cons and How to Get Around Them Only one real estate agent is involved You will often see the abbreviation REO (Real Estate Owned); that is, the owner is a bank or other mortgage lender. They will usually only deal with one realtor, so you might not have a lot of chances to negotiate. If you do find an REO you love, see who the agent is, and meet with them. If you are very serious about moving forward quickly,...
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