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Happy Halloween

It's Halloween night, kids are starting to go trick or treating. Street are getting busy for the trick or treater. Halloween Party are happening all over . Cops are usually out to catch those speeder and DUI .


My daughter Avory had her school halloween party today, this  was her picture when she was trying on her custom 2 weeks ago. But, this what she look like today( Down below Picture). She brought a bunch of candy home.


Parents had to watch for your kids when you go out trick or treating. Happy Halloween you all.

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Cancer common after liver transplantation

who undergo liver transplantation, particularly children, are at
increased risk for developing cancer, Finnish researchers report in the
journal Liver Transplantation.

"On the basis of our data," Dr. Fredrik Aberg, from the Helsinki University Central Hospital, and co-authors note, "1 of 6 liver transplant patients is estimated to develop some form of cancer by 20 years after transplantation."

Although post-transplant cancer are a recognized problem, "more studies are needed to obtain reliable data on cancer risk
patterns in an attempt to reach consensus on optimal monitoring of
(immune-suppressing drugs), cancer surveillance programs, and
strategies to minimize cancer risk," the authors maintain.

study included all 540 patients who received liver transplants at
Aberg's center between 1982 and 2005, linked with the nationwide
Finnish Cancer Registry. During follow-up, 39 cancers developed in 36
patients, which translates into a 2.59-fold increased risk relative to
that seen in the general population.

Rates were higher among
children younger than 17 years of age than among older patients. The
cancers developed anywhere from 4 months to 14 years after the
transplant operation.

Further analysis showed that only
non-Hodgkin lymphoma, a cancer of the body's infection-fighting
lymphatic system, and certain types of skin cancer were more common in liver transplant recipients than in the general population.

Risk factors for skin cancer were older age and the type of immune-suppressing drugs received, while those for non-Hodgkin lymphoma were male gender, young age, and the immediate post-transplant period.

team, "This study points out the importance of cancer surveillance
after liver transplantation as well as the need for innovative
immunosuppression strategies associated with less cancer risk."
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Great Buddy Award

I saw this tag award from Youngest at The World Around Me and she open to all the blogger on her blog roll. So, I grab it. I think that it is important to appreciate our co-blogger who have the patient to visit our blogs.

Anyway. Here are the rules for this Great Buddy Award:

1. Put the logo on your blog.

2. Add a link to the person who awarded you.

3. Nominate at least 7 other blogs.

4. Add links to those blogs on yours.

5. Leave a message for your nominees on their blog

I would like to skip some of the rule and just pass this buddy award to those who usually visit my blog. I really appreciate it if you spread this buddy award .
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Trick-or-Treating Safely

Halloween can be great fun for children and parents alike. But parents still need to enforce some rules to help ensure a safe night of trick-or-treating.

     Children under age 12 should always be accompanied by an adult.
     Develop a neighborhood route for children to follow. It should only include well-lit areas with which children are familiar.
     Make sure children understand they should never go into a stranger's home, and that they should only approach houses that are well-lit.
     Decide what time your child will return home, and tell them not to eat any candy before they get home.
     Make sure your child understands traffic safety rules.
     In case the child gets separated from a group, attach a piece of paper to your child's costume with his or her name, address and phone number.

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Ways to help your child who suffer from ADHD

Since children with ADHD may be difficult to parent, you may need to adjust your home life a little to help your child. Here are some things you can do:

Make a schedule, setting specific times for waking up, eating, playing, doing homework, doing chores, watching TV or playing video games, and going to bed.

Write down simple house rules explaining what will happen when the rules are obeyed and when they are broken.

Make sure your directions are understood, asking your child to repeat the directions back to you.

Reward good behavior and congratulate your child when he or she completes each step of a task.

Make sure your child is supervised all the time.

Watch your child around his or her friends and reward good play behaviors.

Set a homework routine, picking a regular place for doing homework away from distractions. Divide homework time into small periods, giving frequent breaks.

Focus on effort, not grades, rewarding your child when he or she tries to finish school work. You can give extra rewards for earning better grades.

Talk with your child's teachers to find out how they’re doing in class, at playtime and during lunch. Ask for daily or weekly progress notes from the teacher.
Things that don't cause ADHD

    * Poor Parenting
    * Food additives or allergies
    * Refined Sugar
    * Ineffective schools
    * Bad teachers
    * Too much TV or video games
    * Fluorescent lights
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Online Casino

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You will have a lot of fun playing. Give it a try, visit the link above and jump right in .There's still lots of fun stuff to do right here - read up on how to play all kinds of great games, get some hands-on experience playing free casino games, even play our custom free slots for real prizes!

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For more information about online casino. Click on the above link , sign up and start playing.
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Controlling ADHD

Does your child having problem conentrating?

Attention-deficit/hyperactivity disorder (ADHD), previously known as attention deficit disorder (ADD), is a common mental condition characterized by poor concentration, distractibility, hyperactivity and impulsiveness that are inappropriate for the child's age. It affects between 3 and 5% of American children and is usually diagnosed in childhood, although roughly 60% of the cases continue into the adult years.

Symptoms of ADHD

The symptoms of ADHD can be broken down into 3 different subtypes: a predominantly inattentive subtype, a predominantly hyperactive-impulsive subtype and a combined subtype.

Symptoms of the inattentive subtype of ADHD include the following:

    * difficulty keeping the mind on any one thing

    * skipping over details

    * getting bored with a task before it’s completed

    * making careless mistakes

    * being easily distracted from a task, lesson, or conversation

    * difficulty listening when directly addressed

    * disorganization and forgetfulness

    * difficulty following instructions or finishing tasks

Children experiencing the hyperactive/impulsive

form of ADHD may:

    * have difficulty with quiet, sedentary activities

    * fidget or have trouble staying in their seat

    * talk excessively

    * blurt out answers before questions are completed

    * speak tactlessly or inappropriately

    * exhibit difficulty waiting

    * move around constantly, often running or climbing inappropriately

    * interrupt or intrude on others

The combined subtype applies when a child shows symptoms of both the inattentive and hyperactivity/impulsivity type of ADHD. Children diagnosed with ADHD will exhibit persistent symptom in a variety of settings, including at home, in school and during extracurricular activities.

Causes of ADHD

While the cause of ADHD remains unknown, studies show that the brains of children with ADHD may function differently than those of other children, suggesting an imbalance of chemicals that help regulate behavior. Research also indicates that genetics play a significant role in the development of ADHD, contributing to about three quarters of the total ADHD population. However, roughly 1/5 of all ADHD cases are thought to be acquired after conception due to brain injury caused by substance abuse or physical trauma prenatally or postnatally.

Will my child outgrow ADHD?

While ADHD is considered a chronic disorder, symptoms often get better as children grow older and learn to adjust. Hyperactivity usually stops in the late teenage years, but about half the children diagnosed with ADHD will continue to be easily distracted, have mood swings, hot tempers and are unable to complete tasks. However, parenting plays an important role in helping a child with ADHD. Children with loving, supportive parents who work together with school staff, mental health workers and their doctor have the best chance of becoming well-adjusted adults.

Treatments for ADHD

Although there is no cure for ADHD, a child’s symptoms can be controlled with a combination of behavioral management, counseling and medication.

Behavioral management can help you and your child identify unwanted behaviors and replace them with more positive ones.

Counseling may include psychotherapy, social skills training or parental training, and it can often help a child deal with low self-esteem, anxiety, depression and stubborn behaviors.

Medication is most effective when it is combined with behavioral management or counseling. While there are many different types of ADHD medication, stimulants are the most common. By affecting the brain’s chemistry, it can help reduce overactivity and increase a child’s attention span.

If you think your child may have ADHA, talk to your doctor
to learn what you can do to help.

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Give Your Kitchen a New Look

Develope a kitchen style of your very own such as the french country kitchen. Be inspired by other creations, but your final decision should be yours and follow your heart.

    Start off by analyzing your home in comparison to your kitchen. Make sure whatever style you choose its blends in with the rest of the house. If the french country kitchen is something you always loved go with that. Don't be afraid to try something different.
    If there is money in the budget hire a decorator for 1 to 2 hours, it can get you off to a great start.
    Invest in a good kitchen book and a few kitchen magazines.
    Fill a folder with pictures and notes obtained from your books, magazines and decorator.
   5. Choose a style such as contemporary, traditional, country, cottage or a combination that fits which the rest of the home.
    If country is your style, you can add a center island with a drop leaf table and add a mantle above the cabinets to display English china.
  Have an older contemporary kitchen and want to update it. Add a fresh coat of paint and change your appliances to the sleek look of steel.
    For a complete new look, traditional kitchens have a style that basically goes with everything in your home. The cabinets can pass for a contemporary look or a country look.
    If you decide for example to go with the French country kitchen. You can add a shabby vintage look to this style, visit your local thrift shops for old china, old pictures even an old butcher block table can add charm to your kitchen.

     You can mix styles, for instance combining french country colors with a traditional style.
     Fill you folder with your favorite colors and pictures.
     Lay them out and start visualizing.
     Try changing your backsplash to a recycled glass mosaic tile- the newest trend!

     Don't let a decorator take over; you should make the final decision.
     Make sure that before you proceed in redoing your kitchen style, you talk things out with your partner in a positive way. This should be a joint effort.
     Taking over a project when there is a second party involved will cause arguments and hard feelings.

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Convert Your Living Room Into a Beach

If you love the sights and sounds of the beach, try bringing them into your home. You can't put an entire beach into your house, but you can certainly bring the suggestion of it into your home.

    Choose the right room. If possible, you'll want to choose a place that already has some connection to the outdoors, such as a large patio door. A sun room or enclosed porch would be another great spot for your indoor beach.
    Decide how far you want to go. Do you want a traditional living room with beach decorations and colors or do you want the whole thing to evoke a beach?
          * Keep your budget in mind. Bringing in a few patio chairs you already own and setting up a tabletop fountain is a far different matter than knocking down part of an exterior wall to install a sun room!
            Bring in some beach-inspired colors.
            Bring in some beach-inspired colors.
            Think about what colors the beach means to you. Is a beach about the muted, natural tones of sand and surf, or would you like some bright, tropical colors in the mix, too?
    Look at real beaches, photos of beaches, and photos of beach and seashore rooms and homes for ideas. What elements would you like to try to recreate?
    Let the light in, especially natural light. Do all you can with skylights and windows. Light and spaciousness is a big part of why many people like beaches.
          * Light the room gently at night. Candles or other low mood lighting will fit well in this theme. Of course, if you use the room for reading or other activities at night, light those areas accordingly.
    Take advantage of outdoor furnishings. You'll find all sorts of furniture for outdoor, poolside, and beach use, so there is no need to go with the molded plastic sort. It may still be less costly and more durable than conventional living room furniture. Instead, go for comfortable, casual pieces that fit your theme.
          * Don't forget that this is still a living room. Plan for your seats to have cushions of some sort, even if they are not weatherproof to stand up to the elements.
          * This would be a great place for a couple of wooden deck chairs or Adirondack chairs, since the wood need not stand up to moisture and weather.
      Plants will help anyone get into the spririt.
      Plants will help anyone get into the spririt.
      Choose the right plants. Many tropical and tropical-looking plants thrive indoors and in indirect light. Try a dieffenbachia or other large plant as an anchor and build out from there.
      Use natural materials. Try a bamboo lattice or mat, coarsely woven textiles in an island pattern, and an interesting piece of driftwood as a natural sculpture.
      Include an element of water. Water brings with it sound, texture, and moisture. The exact nature is up to you and your space, but consider an aquarium, a fountain, a water feature, or even a small indoor pond.
    Plant the space outside the room. Make the view through the windows or patio door as tropical and beach-like as your climate allows. Also choose colors and styles for the hard surfaces outdoors. For instance, cover a patio or wall with tile in warm colors or a tropical motif. You may also prefer to put your pond, water feature, or sandbox outdoors.
      A Zen garden.
      A Zen garden.
      Consider carefully whether to introduce sand. Unless you have a truly separate room with a concrete floor, real sand is probably not a good idea in your house. It will only get tracked around and abrade your other floors. If you like, you can have suggestions of sand, instead. You can buy a tabletop Zen garden or make your own in any size you please. You could obtain or make a sand pendulum, a tray of sand with a long, heavy pendulum hanging just into the surface so that it draws patterns as it swings. You could have a jar or terrarium with colored sand and perhaps seashells in it.
      Salt air, sand, and sunlight fade and age things.
      Salt air, sand, and sunlight fade and age things.
      Use an aged, weathered appearance. A worn-out pail could contain some of those plants. Weathered wood would go just fine. This would be a great place to try distressing paint or fabric, if you can't find something that's already suitably worn.
   Consider your fireplace part of the decor. Often, living rooms already have fireplaces. They provide warmth and low light on cool nights that is well suited to a beach theme.
   Bring the room together. Are you trying for an open, airy feel or a cozy beach hut? How will traffic move through the room? Whatever you do to make the room more beach-like, do it consistently, or at least coherently, throughout the room.

      If you're going to use seashells as part of the decor, use real ones. One or two large, genuine seashells (perhaps cleaned and varnished) will look a lot better than a bunch of plaster (or plastic) seashell-themed things.
     Lots of paintings and other decorations feature beach, nautical and harbor scenes. Use them to suggest the waterfront, too.
     If you're new to keeping fish or aquariums, start with freshwater varieties. They may not be quite as colorful as their saltwater cousins, but they are far easier to care for.
     Don't forget how you really live in the room. Do you watch TV or read there? Does the family spread out toys or projects? Is this room off to the side or a major thoroughfare?
     Let in the air. If it's nice out, open up the doors and windows and let the air in.
     There are lots of tacky beach-theme things. The best approach is to go with natural materials and handcrafts whenever possible.
      There are beaches all over the world.
      There are beaches all over the world.
      Beaches come in all different styles and nationalities. A beach means something different depending on whether it's in Hawaii, in California, or in Maine. For an additional level of theming and unity, include a geographic and cultural element. Greece, Italy, and Spain all have beaches, and they all have strong stylistic motifs that could add color, flair, and unity to a room. Or, try for a South Pacific, Asian, or Australian, or African theme, according to your tastes.
     When the living room is occupied for a relaxing time, for example a nap, consider putting on some beach sounds. There are CDs available that have sounds of the waves, birds, and people.

     Children or pets who chew on dieffenbachia could die. If this is a concern, choose a different plant.
     Make sure that the structure of your home can withstand the weight of any water you bring in. A small aquarium or tabletop fountain is probably not a concern, but larger aquariums and indoor ponds and water features could be. You may need to reinforce or scale back your plans.

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Been so Busy

It has been a while since I posted on this blog. I have been so busy. Hopefully , I will be able to catch up with my posting soon. For the meantime, I just wanted to thank you all my the blogger who been able to visit my blog.  I will be visiting your blog shortly.
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Tag Called "The Language Of Roses

Hey!Hey!Hey! I have been tag by Arnies, daily achievement in life . Thank's Arnie for giving me this rose tag, so cute. I love roses by the way.

                                           And i will make thee beds of roses.
                                           And a thousand fragrant posies."
                                           -Christopher Marlowe

And now , I would like to pass this Rose tag to some friend of mine over the blogosphere. marvz , Youngest at The World Around Me , Monica in Licensed Lifestyle
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Protect & Disinfect Your Home

The word "germ" comes from the Latin word for seed. Most "germs" are actually helpful, with only a relative handful capable of producing disease. Disease causing germs (pathogens) include some spores, prions, bacteria, viruses, and fungi. Agents that can kill or slow down the growth of some of these harmful germs include sunlight, (UVrays), cold, heat, (steam under pressure and dry heat), and chemical agents. When speaking about chemical agents, there are four categories of germicides that cover a wide range of product chemistry and areas of use.

They are sterilants, disinfectants, sanitizers and antiseptics.

Sterilants, disinfectants and sanitizers are chemicals used to kill most harmful germs on surfaces. Antiseptics are agents used to kill germs on the skin. Chemical germicides are registered by the U.S. Environmental Protection Agency (EPA), and are classified as "pesticides". "Pesticide" is defined by law in the Federal Insecticide, Fungicide and Rodenticide Act (FIFRA) as any substance or mixture of substances intended for preventing, destroying, repelling, or mitigating any pest , and any substance or mixture of substances intended for use as a plant regulator, defoliant, or desicant.

"The term "pesticide" covers a wide spectrum of substances that are used to make our lives safer or more pleasurable. While most people think of pests as insects, the term can also refer to anything from viruses, bacteria, fungi, weeds, mice, bees and rats. More than 5000 antimicrobial products are currently registered with the EPA and sold in the marketplace. Nearly 60% of antimicrobial products are registered to control infectious microorganisms in hospitals and other health care environments. Beginning in 1994, the U.S. Food and Drug Administration (FDA) assumed regulatory responsibility for certain liquid and gaseous, (ethylene oxide), chemical agents used to sterilize reusable medical devices used in or on patients."

A chemical agent that capable of killing pathogenic organisms but not spores. (also includes the terms germicide, bactericide, antibacterial, antimicrobial).

Disinfectants are further classified as by the US Federal Environmental Protection Agency (EPA)

1. minimal or limited claim, (capable of killing Salmonella cholerasuis or Staphylococcus aureus),

2. broad spectrum , (capable of killing Salmonella and Staph.) and

3. hospital, (proven germical efficacy against Salmonella, Staph. and Pseudomonas aeruginosa).

There is an additional disinfection category known as high level disinfection and usually is used to define a level of use safety for medical device decontamination on such things as endoscopes. Disinfectant products carry a significant number of kill claims on the label. The required efficacy shown above are the minimum required by the EPA. Disinfecting agents include ethanol (such as LYSOL Disinfectant Spray), quaternary ammonium compounds, bleach, and hydrogen peroxide."

An agent that reduces the number of bacteria to a safe or acceptable level. This means a 99.9% kill as set by public health requirements. This term is applied to agents used to control germs present in food service, food preparation and food processing areas. Alcohol hand sanitizers also fall into this category. Products that sanitize food contact surfaces must achieve a 99.999% kill against bacteria.

Bacteria: Salmonella and E. coli bacteria can cause food poisoning.
Viruses: Rhinoviruses can cause colds. Herpes simplex causes cold sores. Influenza can cause the Flu.
Fungi: Trichophyton can cause Athlete's Foot.
Parasites:Giardia can cause diarrhea.


An agent that is generally applied to the skin and is used to prevent inflection and decay by inhibiting the growth of microorganisms. Because these products are used in or on living humans or animals, they are considered drugs and are thus approved and regulated by the Food and Drug Administration (FDA). These agents include antibacterial hand soaps, isopropyl alcohol and iodine or iodophores.
On a final note...

It should be remembered that cleaning and disinfecting are not the same thing. Products listed as soaps or cleaners may help to remove germs from surfaces and hands due to mechanical action, but they do not actually kill them.

Only products registered as sterilants, disinfectants, sanitizers or antiseptics kill germs. Alcohol hand sanitizers are classified as antiseptics and fall under FDA regulations.
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Tackle Tough Household Stains & Clean Up

Don’t let tough household stains take up more of your time than they need to. Spend time doing what you want, without sacrificing a clean and trouble-free home. From metal cleaners to dishwasher detergents, there are many solutions for every room in your house. Use BRASSO , Easy Off .
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Refresh Your Home

Have your home feel welcoming with the right fragrance. You, your family and your guests will certainly notice! It’s Good to Be Home.

Click on the brand to learn more about our products:
Air Wick
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October is National Breast Cancer Awareness Month. The number of new cases of breast cancer has increased every year over the last 30 years, and it is the second most common type of cancer for women in the U.S. Prevention is key — when caught early, breast cancer can be treatable. Increase your awareness and do whatever you can to prevent breast cancer from happening to you.

What Is Breast Cancer?

Breast cancer is a disease in which malignant cells form in the tissues of the breast. Most breast cancers begin in the cells that line the ducts (ductal cancer), some begin in the lobules (lobular cancer), and a small number start in other tissues. There are many types of breast cancer, but most can be treated if detected in the early stages.

Breast Cancer Prevention

     To help protect against breast cancer, limit alcohol to less than one drink a day or avoid alcohol completely.

     Stay physically active and maintain a healthy weight. Regular exercise can help lower your risk of breast cancer. Aim for at least 30 minutes of exercise a day.

     Although the effects of diet are still unclear, try to keep your fat intake low as a precaution, and to help keep your weight stable.

     Be vigilant about detection. Begin scheduling yearly mammograms at age 40, and conduct self-exams at home. Remind yourself to do self-exams every day in the shower.

     If you notice lumps or changes in the skin, don't wait to act. Call your doctor right away for a screening and evaluation.

     Spread the word about prevention. Encourage your friends and family to conduct self-exams, schedule yearly mammograms, and stay active.

American Cancer Society – www.cancer.org
National Breast Cancer Awareness Month –  http://nbcam.org

National Breast Cancer Foundation –  http://www.nationalbreastcancer.org

Mayo Clinic –  http://www.mayoclinic.com
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Passing An Award Tag

When you recieved and award tag from friend over the blogosphere what would you do?How would you feel about it? Would you be honor to accept it and post it on your blog and thank the person who passes you the tag award? If you ask me! Yes I would greatly be honored . As recently, I had gotten a tag award from a friend  over the blogosphere. Yes , I dont know her, but I was honored to handing this kind of award tag. As go on in posting it to my blog. I have passed this tag award to some bloggers, Some of them was so greatful to got the award tag. But I tell you! There was one blogger who accepted my tag award , yes she posted it and all that, she left me a message on my message box how greatful she was to have the award tag.  And  I said my myself ok, cool. But when I visited her site and read about it. Well! I found it so sarcastic!  She said on her post with the tag. She was honored to have gotten the award tag and she doesn't even know the person who have passed her the tag award. But she posted it anyway. I found this sarcastic. Wouldn't you?

As far as I know, if someone given you a tag award. You have the choice, wethere you know that person or not. You have the choices either to accept it or just ingored it. Some of bloggers over the internet, they think they are all that. One thing I can say" What comes around , Goes arounnd". Or the other way around. Peace!

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My son isn't so little anymore, he's growing up so fast. My son doesn't have any Halloween party for any 7th grader on his class so, i just wanted to share his picture here. He is almost tall as me.

Kids grow up so fast.
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Recently, I share the photos of my kids on thier halloween outfit last year.
Here is the picture of my daughter's on her outfit for halloween party for her school.

Dressed up like Cleopatria . Isn't that so cute.
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Zero PR, Zero Task

Ever since my PR drop, I haven't gotten any task to post , or am I just too slow! I have expected this will happen . One thing I figured out the high website PR you have the more task to post you will have. I am sure most of blogger knows about this already.I haven't been active on my blogs for fast several day, maybe that's the one of many reason why my PR drop down. Well! all I can do now is keep on blogging maybe I will get my luck back and  start making money again.

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Halloween Custom From Last year

Halloween is around the corner. It's dress up time for kids in school . Here is a picture of my kids from last year halloween.

My son's custom was supposed to be the killer in Scream Movie, and my daughter's custom was Chitta girls. I don't know if I spell that right, but it sounds good anyway. Just want to share .
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Space Needle

I just wanted to share this picture that I took from my cellphone.

It's the space needle in Seattle. I love watching city light at night. The picture was kind of blurry, but I couldn't help taking this pic. I think it turn out okay, It was so breath taking.
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Butterfly Award for The Collest Blog I Ever Know

I really appreciate Youngest for giving me the opportunity to spread this butterly award. I just want to share what I thought about Butterfly before I pass it to some friend of mine. Butterfly always meant to me as "Free to fly away or do the thing you want to do with your life".

Anyway,nce accepting this award, the rules are as follow: ~ Put the logo on your blog। ~ Add a link to the person who awarded you। ~ Nominate 10 other blogs. ~ Add links to those blogs on yours. ~ Leave a message for your nominees on their blogs.

And now , I am greatly passing and nominating this award to the following friends over the surface of the blogosphere. Jocelyn , AnneV , Justine , Jhoice , Grace , Arnie , Rosilie , Bonz ,Marilyn ,Monica .
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Blogger.com /Blogspot is Up and Running

It's been a while since I last posted on this blog of mine. But when I tried logging on 3 days ago , my browser couldn't connect to blogger.com. I was so frotrated. I have tried and tried logging in after that but still didn't have any luck.Was thingking that,  I  guess google was doing maintenance. or maybe my blog got hack :(( . I had contacted the help center for the blogger and leave some question about blogger.com not loading on my browser. I finally gave up after all the attemp i had made. And maybe one of this days blogger will be back.

So luckily, when I have just tried recently. Hey! I am up and running. Now I have a lot of posting to do. So , I better get into it. See you guys later.
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How to Buy a House

Many people dream of home ownership but it mandates homework, legwork and considerable effort on your part to ensure that the process goes as smoothly as possible, and you don't bite off more than you can chew. Here's how to make your dream become a reality. This article assumes you will be using a lender.

Buying a House in the US
    Strengthen your credit. The higher your FICO score, which ranges from 300 to 800, the better rate you'll qualify for. Get a free copy of your credit report so you can see what the lenders see on your credit history. Pay off credit cards and resolve any credit disputes or delinquencies.
    Determine how much house you can afford, and how much you'll likely be able to borrow.
           You will be expected to put down 10-20% of the appraised value of a home. (Note that the appraised value may be higher or lower than the selling price of the house.) If you have $30,000 saved for a down payment, for example, you can use it as a down payment for a home between $300k (10% down payment) or $150k (20% down payment). Putting down less often, but not always, requires you to pay private mortgage insurance (PMI), which increases your monthly housing cost but is tax deductible.
           Find out what ratios lenders are using to determine if you qualify for a loan. "28 and 36" is a commonly used ratio.It means that 28% of your gross income (before you pay taxes) must cover your intended housing expenses (including principal and interest on the mortgage, as well as real estate taxes and insurance). Monthly payments on your outstanding debts, when combined with your housing expenses, must not exceed 36% of your gross income. Find each percentage for your monthly gross income (28% and 36% of $3750 = $1050 and $1350, respectively). Your monthly payments on outstanding debts cannot exceed the difference between the ($300) or else you will not be approved.
           Calculate your expected housing expenses. Estimate the annual real estate taxes and insurance costs in your area and add that to the average price of the home you'd like to buy. Also add how much you can expect to pay in closing costs. (These take in various charges that generally run between 3 to 6 percent of the money you're borrowing. Credit unions often offer lower closing costs to their members.) Put the total into a mortgage calculator (you can find them online or make your own in a spreadsheet. If the figure is above 28% of your gross income (or whatever the lower percentage used by lenders in your situation) then you will have a hard time getting a mortgage.
          Determine whether you need to sell your current home in order to afford a new one. If so, any offer to buy that you make will be contingent on that sale. Contingent offers are more risky and less desirable for the seller, since the sale can't be completed until the buyer's house is sold. You may want to put your current house on the market first.
    Get pre-approved (not pre-qualified) to get the actual amount you can pay. Apply to several lenders within a two week period so that the inquiries do not damage your credit report. Do this before contacting a real estate agent so you have a firm idea of what you can afford, and you don't accidentally fall in love with a house that you cannot afford.
           If you qualify, check out first-time buyers' programs, which often have much lower down payment requirements. These are offered by various states and local governments. You may also be able to access up to $10,000 from your 401(k) or Roth IRA without penalty. Ask your broker or employer's human resources department for specifics regarding borrowing against those assets.
           If you can't afford a 10%-20% downpayment on your home, but have good credit and steady income, a mortgage broker may assist you with a combination mortgage. In that, you're taking out a first mortgage up to 80% of the value of the home, and a second mortgage for the remaining amount. While the rate on the second mortgage will be slightly higher, the interest on it is tax-deductible and combined payments should still be lower than a first mortgage with PMI. If you're buying new, consider the Nehemiah Program to get assistance with your down-payment.
    Go house shopping. Unless you're under the gun time-wise, look at as many homes as possible to get a sense of what's available. Don't rush into buying if you don't have to. Read more in How to Find Your Ideal House.
           Sign up for an MLS (Multiple Listing Service) alert service to search on properties in your area so you can get a feeling for what is on the market in your price range. (If you sign up through a real estate agent, it is poor form to call the listing agent directly to see a house. Don't ask an agent to do things for you unless you're planning to have them represent you--they don't get paid until a client buys a house and it's not fair to ask them to work for free, knowing that you're not going to use them to buy your home!)
          Find a good real estate agent to represent you in the search and negotiation process. The real estate agent should be: amiable, open, interested, relaxed, confident, and qualified. Learn the agent's rates, methods, experience, and training. Go into exhaustive detail when describing what you want in a home: number of bathrooms and bedrooms, attached garage, land and anything else that may be important, like good light or a big enough yard for the kids. Read more in How to Select a Realtor.
          * Define the area you'd like to live in. Scout out what's available in the vicinity. Look at prices, home design, proximity to shopping, schools and other amenities. Read the town paper, if there is one, and chat with the locals. Look beyond the home to the neighborhood and the condition of nearby homes to make sure you aren't buying the only gem in sight. The area in which your home is located is sometimes a bigger consideration than the home itself, since it has a major impact on your home's resale value. Buying a fixer-upper in the right neighborhood can be a great investment, and being able to identify up-and-coming communities--where more people want to live--can lead you to a bargain property that will only appreciate in value.
          Visit a few open houses to gauge what's on the market and see firsthand what you want, such as overall layout, number of bedrooms and bathrooms, kitchen amenities, and storage. Visit properties you're seriously interested in at various times of the day to check traffic and congestion, available parking, noise levels and general activities. What may seem like a peaceful neighborhood at lunch can become a loud shortcut during rush hour, and you'd never know it if you drove by only once.
           If you are unsure about the price, have the home appraised by a local appraiser. Never buy the most expensive house in the neighborhood! When appraising a home, appraisers will look for "comparables" or "comps", homes in the area which have similar features, size, etc. If your home is more expensive than the comps, or the appraiser has to find comps in a different subdivision or more than 1/2 mile away, beware! Your bank may balk at financing the home, and you probably won't see your home appreciate in value very much. If you can, buy the least expensive home in a neighborhood -- as homes around you sell for more money than you paid, your home's value increases.
   Make an offer.
           Include earnest money with your offer.--usually $1,000 to $5,000. Once you sign an offer, you are officially in escrow, which means you are committed to buy the house or lose your deposit, unless you do not get final mortgage approval. During escrow (typically 30 to 90 days), your lender arranges for purchase financing and finalizes your mortgage.
           Make sure final acceptance is predicated on a suitable home inspection. Request the following surveys and reports: inspection, pests, dry rot, radon, hazardous materials, landslides, flood plains, earthquake faults and crime statistics. (You will generally have 7-10 days to complete inspections--be sure that your agent explains this fully to you when signing the purchase and sales contract.) A home inspection costs between $150 and $500, depending on the area, but it can prevent a $100,000 mistake. This is especially true with older homes, as you want to avoid financial landmines such as lead-paint, asbestos insulation and mold.
    Close escrow. This is usually conducted in a title office and involves signing documents related to the property and your mortgage arrangements. The packet of papers includes the deed, proving you now own the house, and the title, which shows that no one else has any claim to it or lien against it. If any issues remain, money may be set aside in escrow until they are resolved, which acts as an incentive for the seller to quickly remedy any problem areas in order to receive all that is owed.

           Consider using a real-estate lawyer to review closing documents and represent you at closing. Realtors are unable to give you legal advice. Lawyers may charge $200-$400 for the few minutes they're actually there, but they're paid to look out for you.

Buying a House in the UK (except Scotland)

    Contact a mortgage broker or advisor to get a ‘decision in principle' on the amount you can borrow to buy a house or flat.
    Obtain the services of a property solicitor to carry out the conveyancing. If you are buying the house with a friend, you should also draw up an agreement. If you are buying with a civil partner or a house, educate yourself on the automatic agreements that assign rights in case you split.
    Shop for houses. Read the home information pack (HIP) and visit the house.
    Make an offer. Ask the estate agent (if there is one) to take the property off the market if your offer and conditions were accepted.
    Give the details of the property location and the vendor's estate agent's contact information to your property solicitor, who will begin the contractual proceedings.
    Get a home-buyers report or survey completed. This is optional, but if the home has asbestos, dry rot or subsidence, having a full structural survey will protect your interest.
    Pay for the valuation survey carried out by the mortgage lender. If all goes well, the lender will agree to loan you the funds needed to purchase the house.
    Send a copy of the survey report to your solicitor, who may be able to offer advice. Perhaps you can negotiate a lower price or request that remediation work be done on the house pre-sale. The solicitor will check the property. You may also want to negotiate the price for fixtures and fittings at this time. The solicitor will finalise the details of the contract and coordinate with your mortgage lender.
    Pay a deposit to the solicitor. Your solicitor will exchange contracts with the seller's solicitor and send your deposit. Before the completion date, the following will take place:
           Your solicitor will make sure that your mortgage is available by that date.
           You and the seller will sign the property transfer deed, which will then be held by the seller's solicitor until completion.
          The mortgage lender will transfer the money to your solicitor's account.
  Move in on completion day. Your solicitor will transfer the money to the seller's solicitor in exchange for the transfer deed, Land Registry certificate and the keys. The transfer deed will be stamped and sent to the Land Registry to record you as the owner (your solicitor will take care of it and pay the stamp duty). The deed will then be passed to the mortgage lender.
  Pay for the solicitor's services and cost

     Try not to fall in love with one particular property. It's great to find exactly what you need, but if you get your heart set on one home, you may end up paying more than it's worth because you're emotionally invested. The deal may also fall apart. Be willing to walk away from any home; no home is so perfect that the seller can charge what one desires.
     A seller who won't allow a home-inspection has something to hide -- walk away!

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Avoid Mistakes when Buying a Home

There are many mistakes which buyers naturally come across when purchasing a home, but they can be very easily avoided with a bit of research and planning.

If you're thinking of seeking advice or doing it yourself, there are a few things you should be informed of before you waste valuable time and money. Remember, buying a home whether it be for your family or someone elses is one of the biggest investments you will make in your lifetime. Don't get caught up in financial stress: the tips below will get you started.

    Make sure you know your limit and be ready for the buy.
    We've all heard of 'eyes being too big for our pockets' so before you fall in love with a property make sure you've got your finances sorted.
   Inexperienced borrowers, or those who are naturally impulsive should take extra care - it's one thing to overstretch when you're buying a dress, but it's another thing when you're buying a house. It's a great idea to have pre-approval for your borrowing capacity before beginning your property search - this way you have a set limit and can't get into trouble.
    Don't sugar coat reality and a bad credit rating.
    It's best to be honest here (as always!) and accurately report your credit rating, card debts and personal debts. If you try to fudge the truth, this sort of stunt can stay with you forever.
   Lenders consult major credit reporting agencies that record debts before they complete your loan application and a tarnished reputation can prevent you from owning your ultimate dream pad not once or twice, but probably a few times over.
    Don't assume your assests substitute your income.
    When considering how much your budget is for your new home, you must consider your borrowing capacity -- your ability to make regular payments on your possible home loan. This figure is based on your income earning ability, not what assets you have.
   No matter what your assets are, what counts is your capacity to repay the loan through a regular income.
   Make sure you choose a qualified advisor.
   Modern services bring many modern people in the know who make a living from offering advice. Vendor's agents (the agent selling the home for the current owner) aslo want to get the best possible price for their clients so be sure that you're not getting taken for a ride.
   While the services of a buyer's agent or a property advisor may not come cheap, the gamble might just pay off with professional opinions on the structure, age, surrounding areas, infrastructure and potential growth in price of your possible future home. Ultimately these guys are professionals and can tell you whether the property as a whole should be given the thumbs up or down.
   But be sure to select your mortgage broker, manager or lender very carefully; look for someone who will meet your needs above everything else and remember, the lowest rate is not always the best.
   Understand your mortgage options. Gone are the days when you had to save up for a 20% deposit to own your dream home. Now you can take out 97% (or even 100%, if you are a Veteran) of the value of the property which means you don't have to spend years saving for a deposit before getting into the property market.
   Keep in mind though, if you have less than 20% deposit there's generally a lender's mortgage insurance involved, adding further costs. This protects the lender, not you, and the less deposit you have, the higher the fee may be - so if you have a 20% deposit, use it.
   Never underestimate the costs involved in buying a property. Remember to budget in the following when settling your finances.
   - Building and pest reports
   - Valuation costs
   - Application fee
   - Solicitor's costs
   - Stamp duty on properties and mortgage (Australia)
   - Transfer fees
   - Council rates
   Make sure you adequately research or check out the home first hand.
   The world may be your oyster, but if you don't want to fork out thousands of dollars for professional advisors, then the internet, dedicated research and good old fashioned haggling are just as good.
   Make sure you check the following before you settle on a property, because in this case what you don't see will definitely hurt you.
   - Check out the lighting and mood of the home, street and area at night
   - Listen for noisy neighbours from outside the property
   - Is public transport within walking distance?
   - Does the local area have all your living and social needs?
   - Research the area on property websites
   - Research the three Ps (position, price and potential)
   - Keep your eye out for information regarding trends in the area/suburb.
  - Check out the local council's and services' websites - does your area have what you're after?
   Make sure you keep your eyes open for any 'Cover ups' and if it's something you feel you can fix, don't forget to get that price dropped for the time and money involved in repairs!
   Take the time to figure out your mortgage repayment strategy.
  If you can afford to make more regular repayments on your home loan, go for it. With interest calculated daily and charged monthly, extra repayments will reduce your mortgage term and the interest paid on the life of the loan.
   Decide whether you're buying for living or buying for investment.
   When browsing for an investment property you should be thinking of your prospective rental market needs and wants - not where you'd place your chiffonier or what you'd put on your feature wall. In this instance, a property advisor or real estate agent would be great at letting you know what the local renters have been asking for in a rental property.
   This will ensure your property is distinguished among the rest and will guarantee a good investment stays that way. When emotions are involved, irrationality sometimes follows. This could mean dangerous results for both the inexperienced and experienced homebuyer.
     Remember, don't get too upset if a bid falls through - there are plenty more fish in the sea.
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