About 300 BC or First dynasty the reed pens were used. Reed pens are invented by the Ancient Egyptians. Reed pens are nothing but the pens which are made of the bamboo. Reed pens are used to write on the papyrus. Papyrus is the type of paper which is made from the pith of the Papyrus plant.
Till middle age, the reed pens were used. Then reed pens are replaced by the quill pens because the papyrus was replaced by the animal skin.
Quill pen are made by the feathers of large birds. Quill pens are used around 100BC. In the 18th century, the quill pens are used to write the Constitution of the United States.
Pompeii which is the ancient roman city founded the copper nib pens. These metal pens are advertised by the Times in 1972. But the metal pen patent which was not commercially exploited which was patented in 1803.
Then fountain pens were invented by one of the students in Paris. In 1827 the French Government gave the patent. Production of fountain pens was increased by 1850. Then in 1880 October 30 the patent for a ballpoint pen was issued. Erasable ballpoint pens are introduced by Papermate in 1979.
The first solid in fountain pen was founded by the Eduard who is the engineer. Then he renowned for further developments of the mechanical pencil which is called as an automatic pencil. Then Eduard started the Penkala-monster company and it was the biggest in the world for the production of pen and pencil. Now this company called as TOZ –Penkala.
In the 1960s the fiber or felt-tipped pens were invented by the Tokyo Stationery company. These pens are known as the markers.
In 1970 Rollerball pens were introduced which are known as ball point pens. They have a ceramic tip and does not broaden when pressure is applied while writing.
By the improvement of technologyand inventions of keyboards also users always prefer to carry pens. Fountain pens are still a status symbol for writers.
After dogs, we all call books our best friend. And why shouldn’t we? We all form a unique bond with books and their characters where as some lines leave us spellbound for our whole life.
So we, at Buddymantra decided to come up with 10 books we think everyone should read at least once in their life span. However, filtering 10 books from the vast world of Literature was no less than a herculean task.
So take a look at our picks and see if any of these grab your fancy.
To Kill A Mockingbird by Harper Lee
Told through the eyes of 6 year-old Scout Finch, this novel is one of the most famous books of all time. The story narrates the crisis when an Afro-American is accussed of raping a white woman. At times, Scout’s action will make you go all aww and at other times her bravery will empower you. Perfect blend of humour and reality is bound to leave you in a state of amazement.
The Kite Runner by Khaled Hosseini
This is certainly the most heart-wrenching contemporary novel that you’ll ever read. Although a contemporary, this book is fast becoming a classic. Betrayal, guilt and redemption stands as the main theme of this fable. It is the story of two Afghani boys and their bond. Khaled’s plot, narration and strong characters will leave you all teary eyed. To let the tears keep falling, you can also watch the excellent film adaptation of the novel by same name.
The Alchemist by Paulo Coelho
Paulo Coelhois consisdered as one of the greatest novelist of contemporary world and after reading The Alchemist you’ll know why. The Alchemist is the story of Santiago, a young shepherd who listens to his heart and follows his dreams to find treasure beyond his wildest dreams. But this story is more about realizatons, faith and wisdom. This materpiece by Coelho will downright transform your life but only if you let it.
The Old Man And The Sea by Earnest Hemingway
When you will read this for the first time you are bound to think“what is so special in this?”but as the days will go by, you’ll be able to understand why this novella helped Hemingway win the Nobel Prize for Literature. Beautifully and simply written, this fable revolves around an old fisherman and a creature and how their bond unfolds. Hemingway takes the timeless theme of courage and respect to transform this books into a magnificent 20th century classic.
The Fishermen by Chicozie Obioma
You think a great book can only come after years of writing and practice? Well think again. Obioma’s debut novel The Fishermen was shortlisted for Man Booker Prize Winner and has amazed almost each one of its reader. The spellbinding tale of four brothers who aim to be fishermen one day, until they encounter a madman who prophesies that the brothers will kill each other. Powerful metaphors combined with unexpected turns makes it a must read. After reading this, you’ll only have one sorrow: no other book by Obioma to devour.
A House For Mr. Biswas by V.S. Naipaul
The book was written by Naipaul in the memory of her beloved wife who died in the same year. The book won him Nobel Prize in Literature. The book’s protagonist, Mohan Biswas, is a classic anti-hero, simultaneously despicable and compelling. But by the end of the novel you’ll fall in love with him. This novel with autobiographical touch will give you chills and make you realise how everything is transient.
The Bell Jar by Sylvia Plath
Lifted from Plath’s own struggle with depression, the Bell Jar is an authentic look into the human psyche and sheds light on the realities of our modern day world. It is a hauntingly realistic novel tells the story of Esther Greenwood, a talented young woman who gains a summer internship at a large New York magazine and discovers that instead of enjoying the glamorous New York lifestyle, she finds it frightening and disorienting.
1984 by George Orwell
Written in 1948, 1984 was George Orwell’s chilling prophecy about the future. And while 1984 has come and gone, Orwell’s narrative is timelier than ever. Thriller is seperated by other novels of that time by absorbing and deeply affecting thriller of Winston Smith, his lover Julia, and their doomed attempt to taste freedom. The book is higly acclaimed political read and one of the perfect phrophecy book of all the times.
Train To Pakistan by Khushwant Singh
Train to Pakistan is one of the most painfully sad and disturbing yet informative and eye-opening narratives one can read about the divide between India and Pakistan. A local moneylender is murdered and suspicion falls upon protagonist Juggut Singh, a gangster who’s in love with a Muslim girl. Written from his own experience of the great divide, this book shows you the dark side of partition like never before.
Tuesdays With Morrie by Mitch Albom
Not many have read this book, however this stands as a must read for those who are in the search of meaning of life. The book is a true story about an old man’s reflections on life. Author’s mentor is on his deathbed and the mentor starts meeting him on every tuesday. Simple and yet powerful, this book is bound to make you introspect and give you everything that no TedX session could.
Red rose is the best gift as it is a symbol of love and it expresses the love in the best way. Pink rose is for admiration. The yellow rose is a cynic symbol for friendship. Gift it to your amigos for expressing your love towards them. Don’t forget your parents too. Gift them a white rose which expresses peace and purity and shows that you are soulfully grateful towards them.If we rearrange the words of rose then we get “Eros” and he is considered as a God of love.
8TH February- Proposal day.
To show the love, many youngsters choose this day for collecting the enough guts to propose their love.
9TH February –Chocolate day.
It is considered that if anything starts with sweet then the work is completed successfully. So, a new relation is started by gifting sweets and can anything match the taste of chocolates? No, right? So, lovers gift chocolates to each other so that sweetness can be dissolved in their love life.
10TH February- Teddy day.
After all, some cuteness is also needed. Does anyone exists on this planet who don’t like teddys? To see your loved ones smiling like a baby and in their absence they can hug the teddy so that they don’t miss you you can gift them this cute gift.
11TH February – Promise day.
Love is not simple. Just loving is not sufficient, keeping it forever is also important. This is a day when lovers express their love and do promises of staying together forever.
12th February-Hug day.
To make your partner feel that you love them and you really mean, just hug them. Hug can express the love far better than words. Hugs too are of many types.
Cuddle hug-
It’s shared between couples for showing the love and intimacy. It defines coziness and romance.
Tight hug-
This shows the importance of the person. Tight hugs are best when you want to show that your partner plays a vital role in your life and you don’t want to leave them at any cost.
Hugs from back–
They are the best hugs because they are very adorable. When you are involved in something and your partner suddenly comes from the back and hugs you. Can anything else please you more at that time?
13TH February – Kiss day.
Kiss is a symbol of love. It’s not an important part of any relationship. But if you want to express something but you are not able to find the words then just kiss. It’s the best and most adorable way for expressing love. Kiss is a bond which connects 2 souls. Small pecks are the cutest and adorable ones which shows that they adore you. The forehead kiss shows they care for you and they want to stay with you forever. The kiss on lips is for romance and intimacy.
14TH February – Valentine day.
It is the most awaited day by most of the youngsters. Heart is a symbol of love but it is a symbol of life too. By giving a heart shaped card or stuff toy you always show that you are giving your heart to them. Flowers, cupids, doves all are the symbol of love. There is not a specific dress code for it but ladies wear red and gents wear black because the combo of both red and black make it classy and the make the couple hot looking. Basically on this day Valentinus was sentenced to death and in his memory his love Julia planted a pink blossom almond tree near his grave. Today the almond tree is a symbol of abide love and friendship.
Don’t forget to show your loved ones that they are very special and you don’t need these days to show the love. Show the importance of them in your life daily because no one has seen the future, anything can happen at anytime so make every moment special and joyful.
Everyone knows for sure how he/she sees own wedding ceremony. In the same time, when the new couple appears, both man and woman must come to an agreement how they see the best day of their life. No one knows better how your perfect wedding looks like accept you, right? Therefore, all the aspects of the future ceremony have to be deeply and carefully analyzed in order to prepare everything perfectly and on time.
Wedding Themes and Decoration Planning
In case, when your thoughts on how the entire event must be held remain unique, you should better use the services of wedding planners in Delhi who are skilled enough to prepare the exact wedding you have been always waiting for. Spending a time in a magnificent India, a huge list of thoughts may come to your mind on how to prepare the wedding. Besides, in case you have a special theme for a ceremony, every element of decor and clothing must meet the specified topic. Everything is important when you are dealing with wedding day, everything, including such simple things as type of dishes, color of ties and stockings. All these elements must follow the presented wedding theme.
Professional Help in Wedding’ Organization
It is quite difficult to make sure everything is right, when you are dealing with such a significant event. The bride and groom, as well as their relatives and friends, will be quite busy with other things in addition to the organization matters, so it is better to find professionals, who help to deal with wedding. Choosing wedding planner remains an important and quite difficult thing as well. You can both use the services of planners, who were advised by friend and relatives, or look for a planner on the Internet. When looking for planners online, be always sure to find the specialist who have great portfolio and a good feedback.
How to Find a Wedding Planner
Every professional planner have an impressive portfolio, which can give a chance to see on your own eyes how your wedding may be held. Besides, when reading bunch of responses and feedback, you will get more information about certain planner professional qualities. India is definitely a boundless country that gathers people from all corners of the world. Consequently, you will definitely find here the exact theme for your wedding ceremony and banquet. You can choose whether charming beach ceremony or a great holiday near one of the popular highlights.
Your planner’s duty is to follow all your desires in order to implement all your dreams. Never be afraid of offering you own theme of a wedding ceremony, elements of décor, types of music, clothes style, as it is your best day in life, and it probably will never be repeated!
Slums are not confined to under-developed or poor countries only. There are slums teeming with awfully poor people, even in the most developed nations of the world. Don’t believe me? Let’s take a quick look into 10 of the most horrid slums found in comparatively well-off places:
The Tent Cities of Seattle, Washington
Tent citiesare now a permanent fixture in Seattle especially in an area called “Nickelsville”. In a city like Washington you all would be surprised hear about this slum area but the fact is very much true. Tent cities spring up all over from time to time, but in Seattle around 275 people call these makeshift communities their home. Moreover hundred more “camp out” each night only to pull up their stakes and disappear the next morning. Whether permanent or temporary, all of the residents are poor and most are unskilled, with little in the way of job prospects or hope of a better life.
Vancouver, British Columbia’s Downtown Eastside
Vancouver is one of the best beautiful cities in the world which is known for its beautiful architecture and scenic views. Just east of Main Street, one can witness the dreadful scene where lots of street dwellers reside. The downtown eastside is the poorest urban postal code in all of Canada. It’s an area where thousands of drug addicts, many of whom are HIV-positive reside. Theft, prostitution, murder, and mental illness plague the district, and the homeless and disenfranchised can be found everywhere within the blighted area. It’s a dark-spot in a beautiful place like Vancouver.
Colonias in Texas
The Colonias are found in Texas and in the American Southwest. These are Hispanic people and it is believed that some of these people have come from Mexico to America seeking better life and living conditions. They reside in shantytowns with no real infrastructure and they are deprived of basic amenities like proper drinking water and electricity facilities. In a country like America finding such a community might shock everyone but it’s a real fact.
The Cage Slums of Hong Kong, China
China is one of the most developed nations in the world. People will get scared thinking about living in cages but the situation in some parts of China is such that people have to stay in cages. Amazingly, they can be found in Hong Kong, one of China’s most prosperous cities. An estimated 200,000 people live in such conditions in the city. Some of the cages are stacked on top of each other, 10 cages high or more. Some of the people who call these places home have lived there for decades, and some were even born into the lifestyle. Life within these homes offers no protection from the weather, no sense of privacy, and a constant atmosphere of noise and pollution.
La Courneuve, France
Does this city need any description? Well Paris better known as the city of romance attract many lovers all over the world every year but there is a darker side of this city. An area known as La Courneuvehas been labelled by the local police as a no go-zone. This is the place where most of the slum population of the city reside. The area is entirely gray. “The buildings are gray. The people are gray. Everything is gray. It’s the same people, and there is nothing to do, literally nothing to do. You wake up every morning looking for work. But why? There isn’t any.”
Dubai, United Arab Emirates
Dubai is one of the most cosmopolitan cities in the world. Dubai seemed like a heaven to most immigrants until the worldwide financial meltdown of 2008, after which its ugly side was exposed for all to see. The city that boasts some of the world’s most expensive buildings also houses some of the world’s worst slums. The slum population in Dubai are basically immigrants from Pakistan and India who came to the country for work only to end up in one of Dubai’s well-hidden slums. These people are Dubai’s forgotten, left to fend for them in a city where they remain unwelcome even though they played an important role in constructing it.
Khayelitsha, Cape town, South Africa.
Cape-townthe capital city of South Africais one of the most beautiful and picturesque cities of the world but it also home to one of world’s largest slum community known as Khayelitsha. It mainly consists of the black population of South Africa. Many black people rushed to the capital city in search of jobs after the apartheid but ended up in the slum areas because of lack of job opportunities. The only good sign is that due to constant efforts of the government the township where these people are residing is constantly developing.
Horrid Slums in Canada Real, Madrid, Spain
Madrid the capital city of Spain needs no introduction. It is one of the most beautiful cities in Europe. Canada Real which is near Madrid’s garbage incineration site provides shelter to around 30,000 people who are seen scrounging the garbage for reusable good. The situation there is quiet hopeless as the government refuses to help them or even recognize them. In a city like Madrid such type of slum areas are really shocking and hard to digest.
Hollywood, California
California, the city which don’t need any description. Hollywoodalso has its share of dark spots. These dark places started popping up with the boom of the film industry due to which thousand flocked into this dream city aiming to earn a fortune and become stars. Never-the-less many hopes got dashed and remained unfulfilled due to which slums cropped up basically inhabited by failed dreamers. Consequently crimes, drugs abuse and prostitution rose.
Dharavi, Mumbai, India
Guys remember ‘Slumdog Millionaire’, the Oscar winning movie directed by Danny Boyle. The Dharavi slums of Mumbai were described broadly in the same movie. These slums are one of world’s largest slums and Asia’s largest. Well this is not in some underdeveloped nation of the world rather it is in Mumbai, India one of world’s largest city.
Colors make our lives bright and lively. They also have a very direct and instant effect on our emotions. Various colors represent various emotions to us. It differs from person to person. For eg. Red is a feisty color. It represents passion and aggression. Some might also relate Red to danger. I find the color Red active and energetic. It can pop out from any other colors. In a flower arrangement or from a bunch of clothes, Red stands out and I seem to be attracted to it. The same way, we all have different preferences in color.
We might associate some colors to safety as they may be related to our childhood memories. It can be a pretty yellow doll house or a blue toy car or even a big pink teddy bear that one cherished at that age. Such memories allocate an emotion to a particular color, either happy or sad. This happens because we all have experienced emotions differently. Ergo, each color represent something different to us.
Seeing some colors help us to control our emotions. If we are enraged, annoyed or even stressed, studies have shown that looking at calming hues of green and blue helps to stay calm and composed.
During monsoon, we prefer to choose bright colors to combat the otherwise cloudy and dull weather. Colors like Red, Pink, Yellow, etc., can cheer us up. People experiencing depression or those who have attempted suicide are exposed to such bright colors to help improve their mood leading them to be marginally happy.
Colors also play a vital role in our Indian culture. We associate bright colors to a happy occasion. This can be stemmed from the fact that in our celebrations and weddings, we wear a lot of bright, happy colors like Red, Pink, Orange, Yellow, etc. In most of the Indian weddings, the bride usually dons a Red garment.
Whereas at a funeral, we wear somber colors like grey, black or white. Hence, many have a negative perception about such colors.
Colors are usually divided into two, namely warm colors and cool colors. Warm colors are hues red and yellow like orange and pink, whereas the cool colors are a combination of blues and greens like purple and teal.
Warm colors remind us of the sunlight, fire and autumn. Hence it signifies warmth and passion. It induces creative thinking. Studies show that colors like orange increase hunger. It is stimulating and is perceived as energetic.
colors on our emotions
Cool colors on the other hand are calming and soothing as we relate those to a lake or the ocean. Generally, bedrooms are painted in these shades so as to help us relax. These colors often have a comforting quality.
We can conclude that colors can have a varied yet definite effect on our emotions. Colors therefore, play a very important role in our lives and if used appropriately, it can aid for our well-being.
This year’s budget is watched keenly because of the recent demonetisation move, processed by the government. The primary aim of the demonetisation exercise was to tap the black money. For the first time, since independence there was no separate budget for the railways. With the finance minister presenting the first combined budget of independent India, the main focus was on synergizing the investments in the railways, waterways, civil, roads and aviation. The Union budget 2017-2018 in being presented in the Lok Sabha.The agenda of the budget is:“Transform,
Transform the quality of governance and quality of life of our people;
Energize various sections of society, especially the youth and the vulnerable, and enable them to unleash their true potential; and
Clean the country from the evils of corruption, black money and non-transparent political funding.
The finance minister articulated the government spokers on spending more on the rural areas and building infrastructure. The focus on railways will be on four major areas and they are
Passenger safety
Capital and development works
Cleanliness
Finance and accounting reforms
1.Passenger safety:
A railway safety fund named “rashtriya rail sanraksha kosh” (a non lapsable fund that will be utilised for safety measures)will be created with a corpus of 1 lakh crores over a period of 5 years.
By the year 2020, unmanned level crossings on broad gauge lines will be eliminated.
2.Capital and Development works:
A new Metro Rail Act will be enacted by rationalizing the existing laws. This will facilitate greater private participation and investment in construction and operation purposes.
Under the BharatNet Project, by the end of 2017-2018, high speed broadband connectivity on optical fiber will be available in more than 150,000 gram panchayats, with Wi-Fi hot spots and access to digital services at low tariffs.
A DigiGaon initiative will be launched to provide tele-medicine,education and skills through digital technology.
3.Cleanliness:
SMS based “Clean My Coach Service”has been started. It is now proposed to introduce ‘Coach Mitra’ facility, a single window interface, to register all coach related complaints and requirements.
By 2019, all coaches of Indian Railways will be fitted with bio toilets.
4.Finance and Accounting reforms:
The finance minister also increased the funds allocated for the scheduled castes by a twenty-three thousand to fifty-three thousand rupees. He also mentioned that new enterprises were setup under the stand-up India program aimed at helping the women’s, Dalits and travel entrepreneurs.
The finance minister also announced the creation of new employment opportunities in the railways with the announcement of new Metro rail policy.
While constructing one crore houses for the homeless by 2019 to announcing the completion of the homeless by 2019 to announcing the completion of 100% electrification of villages by May 2018, the finance minister unveiled many measures for the rural and infrastructure sectors. Among these announcements new metro rail policies, selected airports in tier-2 cities has to be taken up for operation on ppp (Public-private partnership) mode, new railway lines and differently-abled sectors.
The output of the Indian railways have been proposed to be enhanced by 10% in the next three years. This will be done through modernization and up-gradation of identified corridors. For passengers, service charges on rail ticket booked through IRCTCwill be withdrawn.
Focussing on urban rural and housing sectors the finance minister said that the government has proposed to construct one crore houses for the homeless by 2019.In this context he said that the pradanmanthri awas yojana allocation has been raised to 23,000 crore rupees from 15,000 crore rupees.
Most of the budget measures were also been seen in line with the prime minister Narendra Modi plan to provide 20 million houses across India by 2020.Experts say difficulties in claiming in centre for a formal housing have been removed by the various measures.
Funding of the political parties:
India is one of the world’s largest democratic country with one of the most elaborate electoral system but it has still not able to evolve a transparent method of funding to the political parties. In his budget speech, the finance minister said “Transparency was vital for the conduct of free and fair elections and that the government was committed to achieving this target”.
Political parties continue to receive most of their funds through the unanimous judiciary which have been reflected in the cash economy.
Among the many measures announced, the finance minister put a cap on a maximum amount of cash donation that a political party can receive will be Rs.2000 from any one of the sources.
Every political party have to file its return within the time prescribed in accordance with the probation of the Income tax act. Any existing exemptions to political parties from the payment of Income tax act will be available subject to the fulfillment of these following conditions
The political parties will be entitled to receive donations only by cheque or in the digital mode from their donors.
An amendment is been proposed to the reserve bank of India act to enable the issuance of electoral bonds .The bonds can be purchased from banks by the donors either through cheque or digital transactions. They can be redeemed only by registered political parties.
Conclusion:Henceforth the main purpose of this budget is to benefit the farmers, the poor and the underprivileged sections of our society. The budget was devoted to the well-being of the villages, farmers and the poor. The budget reflected commitment to eliminate black money. From the current budget the housing and the small business sectors would gain an immense growth drastically.
The history of condoms goes back at least several centuries back and perhaps beyond that. Condoms have been used both as a method ofbirth control, and as a protective measure against sexually transmitted diseases. Condoms have been made from a variety of materials; prior to the 19th century, chemically treated linen and animal tissue (intestine or bladder) are the best documented varieties. Rubber condoms gained popularity in the mid-19th century, and in the early 20th century major advances were made in manufacturing techniques.
15000 B.C
The history of condom dates back to 15000 B.C. This might be a fact for many but the oldest known image of a sheathed penis is evident from the cavepaintings which date back to 15000 B.C.
2. LATE B.C. / EARLY A.D.
During the Roman Empire, the first documented condoms were hand-sewn pieces of linen that fit over either the entire penis, just the tip or into the urethra. The loincloths worn by Egyptian and Greek labourers were very spare, sometimes consisting of little more than a covering for the glans of the penis. Records of these types of loincloths being worn by men in higher classes have made some historians speculate they were worn during intercourse.
3. 1400-1700
In the Asia the people of higher class or basically the aristocrat people were using glans condoms, which covered only the head of the penis. They were made of oiled paper, intestine, animal horn or from the shell of tortoise. During the Renaissance, condoms were primarily made out of linen, goat intestines and gall bladder of goat.
This condom is made from the intestine of pig which dates back to the 14th century. These are basically the glans-only condoms made of oiled silk paper, lamb intestines, tortoiseshell or animal horn in China and Japan in the 14th Century.
4. 1855
The first rubber condom was produced in the year 1855. This new material was a major shift towards a more reliable method of contraceptives. The major demerit of these condoms was that they were as thick as bicycle inner tubes. Some condoms were also produced in late 19th century around 1897 which had Queen Victoria’s face printed on them as her children had sexually transmitted diseases.
The snap depicts the first ever condom advertisement in the year 1918.
6. 1920
The Young’s Rubber Company manufactured the first latex condom with the hopes of providing people a more natural feeling option.
7. 1957
The first lubricated condom was manufactured in the year 1957 inUK.
8. 1990s
As condoms continued to be adopted as a necessity, the condom manufacturers began producing flavoured, coloured and textured styles of condoms.
9. 2000s to till date
In the first major advancement for condoms since the invention of latex, the makers of LifeStyles introduced their SKYN brand the first clinically-approved polyisoprene condom. It’s the closest thing to wear nothing.
Millennials. Generation X -The generation between 18 and 35; the young experts, flooding the workforce. They’ve cut back on KFC, taken up a job and borrowed money from mommy and daddy, in order to buy that phone which comes with a sky-high price or the car they wanted to show off. Now, this demographic has also inundated the real estate market as well. But, of any demographic, millennials have the weakest sense of financial literacy and reported very low levels of economic satisfaction, according to a study by the ‘Global financial Literacy Excellence center’.
Buying a home is a major purchase, and there are plenty of ways to trip up. But don’t worry—we’ve got a quick fix right here.
1) Don’t buy a house if you’re planning to move again soon
Right Swipe?
If you’re a renter, it can be frustrating to write that rent check every month and have no home equity to show for it at the end of the year. But if you aren’t certain that you’re going to stay put for a few years, it’s probably not the right time to buy—equity or no equity. Some people tend to buy a house knowing that they’re going to be relocating after a few years.
What to do: If you aren’t in an area with a strong rental market that would allow you to cover the mortgage on your home if you move elsewhere, then stick with a rental for now.
2) Not Getting Pre-Approved
Buying a home should never start with searching for listings online. If you’re serious about buying, start by meeting with a lender. Although that seems backwards to many first-time homebuyers (“Why would I talk to someone about getting money for a home I haven’t found yet?!”) it’s going to help you in the long run.
When you get pre-approved for a mortgage, it means you have met with a lender and showed them your creditreport, debt, income, and assets in order to provide a picture of your finances. With that information, they will draft a pre-approval letter – something that tells you how much money you’re potentially qualified for, but isn’t a guarantee of money. Realtors look for a pre-approval letter when working with you because it shows you’ve done your homework and you know your price range.
Smooth..
What to do: Get pre-approved for a mortgage. Not only will this prove that you’re serious to your realtor and to home sellers, but it will also give you an idea of your upper limit. Remember that the lender is there to make you a loan, and the more money you borrow, the better it is for them.
3) Mixing up online calculations with reality
Phew!!
Millennials will not know what true heartbreak feels like until they bid on their dream home, only to have the offer fall through in financing. Do not be fooled by putting all your trust in online calculators to tell you how much you can afford. These are merely a guide but do not account for things like your credit score, which can affect your mortgage rate.
What to do: Go to a bank and go to a lender. Find out what you will be approved for exactly and make sure to check your credit score.
4) Thinking the amount a bank will lend you is what you can afford
Remember the queues?!
Up until now you’ve had a phone bill, an electricity bill and some student loans. When you buy a property you may wrongly assume that you’re only adding a single extra bill — the mortgage, to that list of monthly payments. The truth is there are many costs that lenders don’t factor in when calculating what you can comfortably afford.
What to do: You should not focus on how much you’re able to borrow, but rather on how much you should borrow. There is a big difference. Add up all your current living expenses, plus the extra expenses associated with home-ownership that you can think of, then tack on at least 5% to 10% of your monthly income for savings. Circle that number in red, because that’s what you really can afford.
5) Don’t skip the inspection
Even if the home looks like it’s in winning shape, it would be foolishto skip a thorough once-over by a professional. People tend to think that the inspection and the appraisal are the same thing, which is not the case! An expert should be there to spot the things you don’t know to look for, like if the chimney is in great shape or whether those little cracks in the foundation are a big deal. He’ll look for signs of water damage and check the insulation in the attic. If there are conditions that will need repair, you may be able to negotiate with the seller to drop the price. In other words, the inspection is worth every penny.
What to do: Get recommendations from your realtor or friends who’ve bought in the area, and have a professional inspection done before you close on the house.
There you have it, five errors you could currently combat as you purchase a home for the very first time. Use these tipsto guarantee your home-buying encounter goes as efficiently as possible!
For some wholesome entertainment with full-on action and incredible romance. We present you one of the most awaited movie of Bollywood “Rangoon”.
Its music are already making its rounds. Yeah, “Bloody Hell” is the word every humankind are humming. Vishal Bhardwajhas rendered us with the heartwarming music.
About The Movie
Rangoon is an upcoming movie directed by Vishal Bhardwaj and produced by Sajid Nadiadwalaand Viacom 18 Motion Pictures featuring Saif Ali Khan, Shahid Kapoor and Kangana Ranaut.The film’s shooting began on 18 November 2015 in Arunachal Pradesh and now the wait is over. It is a total package of intense action and romance.
The film is set during the World war II(1939-1945) and apparently illustrates the life and times of Mary Ann Evans aka Fearless Nadia, Bollywood’s first original stunt woman still remembered for her sizzling role in the movie Hunterwali. It is a love triangle forms against the milieu of the Second World War.
The Story revolves around the character Miss Julia played by Kangana Ranaut, who is well known for her highly successful films. Few of them are Queen and Tanu weds Manu.
Shahid Kapoor trained by ace shooter for ‘Rangoon’. As per reports Saif Ali Khan’s one of the best performance in his career is Rangoon.
Official Trailer
Though Rangoon did not pass the censor board very smoothly but it has managed to get a U/A Certificate.
The film is releasing on February 24, 2017 to your nearest cinema halls. So be ready to relish the film with your presence and help Rangoon to break the records.