Tips for first time home buyers on mortgages and more

I think that everyone starting to think about buying a house or an apartment will snoop around and ask any other home owner they know for some advice to make the process as painless and easy as possible. Well, I have decided to share some thoughts and words of advice to First Time Home Buyers or people who are thinking of purchasing a house in the near future. The tips for first time buyers are in now specific order and are just some that I have collected over the years…

• Don’t make any debt when furnishing your new home.
• Get pre-qualified for a mortgage loan. Your local bank will be able to issue you with a certificate to show how much you have been pre-qualified for so you know how much you can work with and the seller knows you are good for the asked amount.
• Explore the neighborhood, entertain the thought of you living among the neighbors.Could you do it?
• Take pictures of the houses you view to help make a later decision.
• Dont schedule movers or cancel a current lease before everything is more or less set in stone.
• Always make a lower offer and see how much you can save.
• Buy for less than you can afford. If you spend all your available money on your mortgage repayments each month, you are bound to run into some trouble along the line.
• Budget for post-move expenses. Leaking tap, broken lock or maybe a leaky roof. Be prepared for the unexpected!
• Put down as much as possible. Save as much as you can now and put as much money in to your home loan as possible.
• Pay for a high-quality inspector. You need a professional opinion when spending this amount of money, dont be a cheapskate. Get the best!
• Read the paperwork. Your mortgage is one of the most important documents you will ever sign. Read every piece of the document, maybe even read it twice and ask all the questions you want!
• Don’t rush into anything.

Buying a house is probably the most money you will spend in your entire life, spend it wisely by taking some of the above mentioned tips for first time buyers to heart. Good luck and enjoy your new home!!!

Free Mobile Phone wallpapers of male hotties Ryan Reynolds, David Beckham, Channing Tatum and Wentworth Miller.

It is as easy as pie, just save the images on your desktop and upload to your phone. Be on the lookout for more awesome mobile wallpapers arriving soon…

Swedish Jernhusen AB to Recycle Body Heat

There are more than 200 thousand people passing through Central Station in the Swedish capital of Stockholm. Swedish company Jernhusen AB will attempt to take the body heat generated by the 200 odd thousand people everyday to serve their local office buildings and residential homes‘ heating requirements

Jernhusen AB believes that about 20 percent of their heat requirements can be recycled and collected by using a series of ventilators to move heat from the station to heat water which can then be led through a serious of pipes to heat the various buildings through this alternative energy source. Because the ventilation system is already more or less in place, only the pipes and pumps need to be installed.

Project leader Karl Sundholm claims the entire project will cost about 300,000 kronor (+- $50,000) to complete. “It just came up at a coffee meeting last summer. Somebody suggested: why not do something with all this heat in the station?”

Sounds like a cool idea…

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Transformers Movie wallpapers - Including Optimus Prime, Bumble Bee, Starscream and Jazz

Transformers is a 2007 live action film adaptation of the Transformers story franchise. The film stars Shia LaBeouf as Sam Witwicky, a teenager involved in the war between the heroic Autobots and the evil Decepticons for the All Spark.

Please download the free desktop wallpapers of the Decepticons and the Autobots. Please click on the images and or text links to view the large wallpapers.

Please check back soon, more wallpapers and wide screen versions will also be released here.

Laure Manaudou french swimmer nue, naked sex tape photos revealed

Laure Manaudou currently holds the world record for the 400 m freestyle and 200 m freestyle. Manaudou won the gold medal in the women’s 400 m freestyle at the 2004 Athens Olympics. She won 4 medals at the European Championships in 2007. Laure hit the papers when pictures from her and ex-boyfriend Luca Marin’s sex tape aired all over the internet rocketing her into porn stardom… Marin denies releasing the images on the internet. All I can say is that Laure has a gorgeous body and any guy including me would stand in-line to give her a go…

Here are some above board images of Laure and the mother load to follow…

Check out the exclusive pics from her sex tape, photos courtesy of Italian boyfriend Luca Marin… just kidding