Real Estate

Buying your First Home

Buying your First Home

Buying your first home can be exciting but there is a lot to know. Buying a home will depend on real estate laws and customs where you are located but there are basic steps that every first homebuyer needs to accomplish.
Step 1- Your Finances
Establishing credit is very important especially when you are looking to purchase a large investment like a house. Your credit reports reflects how you manage your finances. Study your credit report and your financial history so you are familiar with it before applying for a mortgage. These reports will be needed for the mortgage approval process in finding out the interest rate and other loan terms.
Step 2- Familiarize Yourself with the Mortgage Industry
Do your research. Finding the right loan and lender is extremely important to your home buying success.
Choose the lender that is best for your needs but be sure to understand the loan process as much as you can before talking to a lender so you don’t feel completely lost.
Step 3- get Pre-Approved for a Mortgage
Once you talk with a lender, you should be given an estimate of how much you can afford for a house.
Being pre approved can help you in a variety of ways. So if a home seller gets two offers, one being yours with a pre approved letter from your bank saying you have been approved for the amount offered, and then there is the other person with no letter, your chances of getting the house are much better.
Step 4- Determine what you Want and what you need
Buying a home isn’t as challenging as most think. If you familiarize yourself with the real estate market and narrow down what you want and need before buying house the process will run a lot smoother.
Be sure to understand agent duties and devotion because some real estate agents represent buyers, sellers, or both or depending on the state they can work as neutral facilitators for either party.
Step 6- Start Searching for your New Home
Your agent will most likely give you multiple listing sheets to review. You might have also picked up a real estate magazine in your area and found a house through that, shop online, or find ads in the newspaper. Other ideas can be driving around the neighborhoods that have houses for sale. Either way you look, consider these home buying search tools in your search.
Home Buying Search Tools
1. Consider houses that others may overlook
2. Get out there to see what’s out there
3. Look into public versions of multiple listing service web sites
4. Search for real estate agent web sites
5. Browse real estate search engines and networks
6. Find for sale by owner properties
7. Look at magazine and newspapers in print
8. Find foreclosed homes
Step 7- Handle Pre-Offer Tasks
When looking at houses be sure to look at its structure and features which can help determine if its something you want or not.
Step 8- put in an Offer
There’s no one specific set of instructions that cover all the differences in real estate laws and customs that exist throughout the United States, so when putting in an offer on a house, it will depend on your location.
Step 9- House Inspections and Other Tests
Some states allow home inspections before the final contract is signed where as in other states inspections take place after the contract is signed. No matter when you have to do them, it’s very important to decide which inspections and tests you want done.
Discuss with your real estate agent or if you don’t have one, then an advisor to find out when inspections should happen and if additional types of testing are needed for a specific area.
Step 10- Avoid having to Correct Last Minute Problems
As the closing date approaches, everyone involved in your real estate transaction should be checking the progress on a daily basis. That way if a problem arises it can be taken care of right away.
Step 11- Closing
Closing, also called settlement, is the event that transfers ownership of the property from the last owner to you.
Happy house hunting!

Movie & entertainment

Free DVD Movie Downloads

Free DVD Movie Downloads

The DVD player is one of the latest in internet technology gizmos that has revolutionized the concept of home entertainment. Millions of people depend on their DVD players to watch movies, pause and rewind live television or to listen to music online. In fact, you can download free DVD software from the net to make your player the ultimate experience in listening to music, watching movies or playing games. Because the DVD player can stream music from the internet, it is a feasible option for listening to music at work or watching movies in the comfort of your home.

For free DVD movie downloads, you need certain system configurations. These include 256 MB of RAM, plenty of hard drive space and a good video card. This allows you to store the movie on your hard disk. If you have a CD writer, you make a copy.

Another software program for audio content is the Winamp — a standard Windows MP3 player that is a free download at The player has a great sound, and the volume, bass and treble can be adjusted to your liking.

You can also download QuickTime media player — a product of Apple Inc. This too is available for free download. Cross-functional, QuickTime provides unmatchable viewing and audio qualities for various multimedia products.

By downloading VNC Remote PC access software, you can remote access movies. This software is available for free download from

For free DVD movie downloads, you need certain system configurations. These include 256 MB of RAM, plenty of hard drive space and a good video card. This allows you to store the movie on your hard disk. If you have a CD writer, you make a copy.

Another software program for audio content is the Winamp — a standard Windows MP3 player that is a free download at The player has a great sound, and the volume, bass and treble can be adjusted to your liking.

You can also download QuickTime media player — a product of Apple Inc. This too is available for free download. Cross- functional, QuickTime provides unmatchable viewing and audio qualities for various multimedia products. By downloading VNC Remote PC access software, you can remote access movies. This software is available for free download from

Free movie downloads require different software for making the experience of watching movies and recording TV shows a worthwhile experience. You need ample space on your PC. While 256 MB RAM seems like a good option, nothing beats having 512 MB of RAM. The more memory space the better.


Dissecting Income Statement

Dissecting Income Statement

Knowing income statement real well is critical to your investing success. Income Statement is crucial in determining the fair value of a common stock. Why? Because I believe that the fair value of any investment is determined by the return it can generate for a given price. If a common stock is trading at $ 100 and it earns $ 4 annually, then it is yielding 4%. If a treasury bond is yielding 5% right now, who would want to buy a common stock which yields only 4%? To be honest, there are probably some investors out there who will buy stocks at any price. However, this type of investing is seldom profitable.
Analyzing income statement will tell us how much profits a company can earn. This will in turn tell us how much percentage return we can expect. So, without further ado, let us go through the components of a typical income statement.
Revenue. Also called sales, Revenue is the lifeblood of a company. To earn revenue, a company has to sell. For retail companies like Walmart, you have to sell items at the stores. For service companies such as H&R Block, it has to sell its expertise to tax filers.
Cost of Revenue. Sometimes called Cost of Good Sold, Cost Revenue is the direct cost of providing a particular good or service to customers. For example, the cost of selling one can of soda at Walmart is the price it bought the soda from manufacturers.
Gross Profit. This is the difference between the price of good or service that a firm sells and the cost of providing that particular good or service. In other words, it is the mark up that a firm impose on its customers. For example, if Walmart sells a can of soda for $ 1.00 while it costs $ 0.60 from the manufacturer, then gross profit of Walmart for selling that can of soda is $ 0.40. When gross profit is expressed in term of percentage, it is called gross profit margin. In this case, gross profit margin of Walmart is ($0.40/ $ 1.00) x 100% = 40%.
Research & Development.This is the cost of doing research in order to provide future revenue or cost improvement. Either way, it is designed to boost the firm’s future profit. For example, Walmart may spend certain dollars in order to improve its inventory management, which in turn will reduce cost of operating its business.
Selling General & Administrative. This is a really broad category. Basically, this is the fixed cost of doing business. Marketing expense, office rent, manager and the CEO’s salary is included here. So do depreciation and amortization expense. For your information, depreciation expense is the expense incurred every year for buying a long-term assets such as machinery or vehicle. Amortization expense is the expense incurred for obtaining goodwill, which is obtained from acquiring companies above its net asset value. When a company is considering layoffs, it is this cost that they are trying to reduce.
Operating Income. This is the difference between gross profit and operating expenses. Operating expense here is the total cost of research development and selling general & administrative. Operating income can be thought as the income generated as a result of a firm’s primary business activities.
Other Income/Expense. This is the income earned or expense incurred outside of the firm’s business activities. For example, capital gain on sale of asset or expense incurred due to lawsuit punitive damage.
Interest Expense. This is the expense incurred from borrowing long term debt. A firm gets additional funding by borrowing money. In turn, it has to pay interest for the loan. This interest is called interest expense.
Income Before Tax, Income Tax Expense. Once you take out all the other income/expense and interest expense from operating income, you get income before tax. A profitable firm has to pay tax on this income. The tax paid by the firm is found in the income statement under category income tax expense.
Net Income. This is our final destination. This is the reason why we go through all the components of an income statement. Also known as net profit, net income is what a company earns at a specific time frame. From here on, you can then calculate the fair value of the firm. Does it yield less than 4% treasury bond, which is considered safe haven? If so, the common stock definitely needs to be sold or avoided.
Please note that each companies have different ways of presenting their income statements. However, most companies present them similar to the above criteria. If some companies give a totally different ways of presenting their financial performance, it is best to ask them questions or avoid the common stock altogether.


Ruay Review

RUAY is a website that promotes online lottery gaming. The site offers several safe and easy to use payment methods and a secure platform for all your lottery game of choice wagers.

It’s no secret that a good online lottery betting site can earn a profit, and ruay is no exception. The site hosts a number of games from different jurisdictions and makes the process of winning a lottery fun and affordable for players around the world. The most popular games are scratch tickets, lottery matching and instant cash games.

The site also has a section dedicated to online gambling that includes slots, roulette and blackjack. The site has also launched a new poker room that offers a variety of casino table games and a state-of-the-art VIP lounge.

The site has plenty of other amenities to keep you entertained including a swimming pool, fitness center and spa. Guests can also enjoy a variety of cuisines at the resort’s restaurant and bar.

A must-try culinary delight at Suk Sum Ruay Resort is the cheesy but delicious shrimp in a glass. เข้าเว็บ ruay is sourced locally from the surrounding area and the sauces are created in-house, ensuring the highest quality for your money.


LottoVIP Review

LottoVIP is a new online lottery solution that combines affordability with convenience. It offers a variety of features, including instant numbers and the ability to win a jackpot, all from the comfort of your home. In lottovip lottovip , it uses authentication to keep your member details safe and secure.

One of the most appealing aspects of this site is that it’s free to join. There’s also a one-month trial period available for those who want to try it out before they commit to a long-term subscription.

The site has an impressive range of games, including the popular superenalotto and Powerball. It also features a number of no-limit options, which is great for those who don’t want to put down too much money upfront.

It even has an innovative app to help you track your winnings on the go. Unlike other lottery websites, lottovip’s app has a telemetry feature that allows you to track your results as they roll in.

What’s more, the site has a comprehensive customer support system that will be there for you no matter what time of day or night it is. You can call or chat with a representative, and they will answer your questions in no time.

There are many online lottery sites on the Internet, but LottoVIP is by far the most convenient and easiest to use. Its site is optimized for desktops and mobile devices, so you can play your favorite lottery games from the comfort of your own home.

LottoVIP is owned by a company called Safe Global Payments. This company also owns a handful of other lottery-related websites, such as LotteryClub and LotteryMaster.

The main difference between LottoVIP and its competitors is the number of games it offers. Besides superenalotto and Powerball, it also has a few other popular lottery games, including Mega Millions, EuroMillions, and SuperLotto Plus. It’s also worth noting that this company is an international operation, so it has to comply with local laws in every country where its services are offered.


What is the Thai Lotto?

The Thai Lotto is a state-run lottery that offers players a straightforward opportunity to win money. The game has two types of tickets. One is the Government lottery, while the other is the charity lottery. In the government lottery, players can win prizes of up to three million baht.

Tickets are sold by brokers to a network of over fourteen thousand authorized retail venues. Brokers put a percentage on top of the ticket price. They generate income for the lottery office. It is important to buy your lottery ticket from a retailer.

To check สูตรสำเร็จเงินล้านของแท้ , visit the website of the lottery office. This website has a prize payment page and features information on how to claim your prize. You can also contact the department of prize payments at 02-528-96-21. If you are unsure, you can contact an agent at a local store.

A lottery is an ideal way to increase your chances of winning money. It is a legal and safe option, but you need to follow the rules. Also, you have to pay stamp duty. All prizes that are paid in cash must be registered for tax purposes.

The Thai Lotto is a very lucrative lottery. However, you have to play for at least three draws to be able to receive your prize. Once you are a winner, you must claim your prize within two years of the draw date. Afterward, you must present your passport and the ticket to an official.

The Thai government lottery was first introduced in 1932, as a means to help finance social benefits for the people of Thailand. Tickets were first issued in the Region of Kind Rama V.

During World War I, the government decided to provide financial aid to the nation. After abolishing the draftee tax, the income shortfall led to a government revenue shortage. As a result, the government was forced to conduct a lottery to cover the shortage. Eventually, the Thai government lottery reached its peak in 1944.

In the past, the Thai government lottery included two “jackpot” prizes of B30 million and B22 million. However, the military government eliminated the “jackpot” and first prize bonus prizes in August 2015.

In the charity lottery, there are bonus prizes of up to 22 million baht. These are not allowed to exceed 12% of the state’s revenue. Besides, the Thai lottery office distributes eight million baht a year to various charities.

The government lottery office was established under the Govt Lottery Office Act, which was enacted in Force B.E 2517. GLO is responsible for the operation of the Thailand national lottery. Currently, is organized through three offices in Bangkok.

The number of lottery tickets is increasing. The new lottery scheme will increase the number of lottery tickets by seven to eight million. Additionally, the Thai government is planning to computerize the lottery services. Finally, the maximum ticket price is set at 80 baht.

The Thai government lottery is a legal lottery, but there are some differences compared to the national lotteries of other countries. Those are the laws governing the lottery, the prize payouts, and the taxation.

Real Estate

Selling Real Estate In This Era – The Best Tips Available!

Selling Real Estate In This Era – The Best Tips Available!

Buying a home or property is a whirlwind experience. When it comes to selling that same property, it’s a whole new ballgame. Suddenly the tables are turned. You need a whole new set of rules to play by, and that is what this article will give you.

If you are trying to sell a home with outdated tile, consider painting it. This can be a less expensive alternative to replacing all of your tile. Just clean the existing tiles, coat them with a high adhesion primer, and paint them with a ceramic epoxy covering. You will have a brand new look and keep some money in your pocket.

Pique potential buyer’s interests by sprucing up the front yard. Curb appeal plays a big role when a buyer is stopped in front of your house, trying to decide whether or not to take the time to check it out. Add some color with some flowers for spring and summer and maybe some pumpkins for the fall.

You need to remove as much clutter from your house as possible when staging it for buyers. When you remove the things that you have collected over the years, you are removing your emotional attachment to the house. You are also creating space for your buyers so that they can visualize how their belongings can fit in.

To find the best agent to sell your real estate you should never list with the one who is suggesting a a much higher price than the other agents you are interviewing. In many cases it simply points out that they are unfamiliar with your market or just trying to get the listing and have you reduce the price later.

If you intend to put your house on the real estate market FSBO (For Sale By Owner), make sure you do your research before planting that “for sale” sign in the yard. Working without a real estate agent exposes you to many potential pitfalls. You must learn where they are and how to avoid them before proceeding.

One tip to keep in mind when it comes to real estate is that when you are selling your house, you need to SELL your house. This is important because you can not rely on the house to sell itself just based on looks. You need to be an active participant in selling your house by pointing out all of the good features and benefits that apply directly to the buyer.

To prepare yourself for selling your home, starting viewing your house as a product, and make it less sentimental. Remove clutter and personal objects like photographs to make it easier for potential buyers to imagine their own items in the house. Keep the home tidy and neat to demonstrate to buyers that you take good care of the house in general.

Selling real estate is a completely different experience than it was when you purchased. It is important to understand your role as the seller and what you can do to increase your profit, minimize your responsibility and make the experience as pleasant as possible. Take the information presented here and have a great selling experience.

Movie & entertainment

Greater Orlando Real Estate

Greater Orlando Real Estate

The mention of Orlando conjures up images of unlimited entertainment options that the area is known to offer to the visitors all year. As America’s best-known entertainment destination, Orlando has several facilities to offer. These include world-class roller coaster rides, dolphin and magic shows, and street shows. In fact, the urban amenities in greater Orlando benefit the residents as well as the tourists, who can go across the street and see exciting locations like Disney World. Orlando is a wonderful place for indivuduals and families alike, so give it a try or, if you are already familiar with it, try it again. You’ll see something new every time.

Real-estate firms are taking several innovative measures to attract new homebuyers to make investments in the new communities that are planned. These new communities have pools, community centers, health posts, playgrounds and other facilities. These gated communities are positioned to attract the salaried and retired persons who want a peaceful, secured life. Though the prices of individual homes are in excess of $600,000, many consider them to be worthy investments to make at this juncture.

Several of the new entertainment venues that are likely to come up in the next few years are attracting people to invest in real estate. Though the main attraction of the greater Orlando area continues to be Disney-MGM studios, there are several other equally interesting places. These include Movie Rider, which has a two specially built 40-foot screens; Seaworld; historic buildings and many more attractions in the theme parks. Having such world-class facilities within a short distance make local real-estate investments especially desirable.


Top 5 Facts About Skin Tags

Top 5 Facts About Skin Tags

Skin tags are a very common skin lesion and is basically a small section of skin that hangs from the surrounding area. They are benign lesions, so are non cancerous and rarely cause any damage, problems or discomfort. However, the most common places for skin tags are around the neck, eyelids, armpits and upper chest. Because of this you may find that your clothes rub against them regularly, and in some cases this may cause some pain and an inflammation of the area. This is still nothing to worry about but you may want to consider having skin tags removed if this is the case. They are more common in women than men and middle aged people than young people but anyone can get them.
1- A skin tag is purely skin. There is an overlap of outer skin that encases an inner layer of skin. For this reason they are rarely harmful and any paid or discomfort from skin tags is usually because they have been rubbed or irritated regularly.
2- It is most common to find skin tags around the neck, upper chest, shoulders, armpits, eyelids and the groin. Wearing a collar or walking can skin tags that are in the wrong place and this is why most people consider removal. The removal is a very simple procedure that in some cases can be completed by your physician.
3- A skin tag can be removed by using liquid nitrogen to freeze it off or through a simple surgical procedure. This procedure will only usually involve a local anesthetic to numb the area around the skin tags although depending on the place and the size of skin tags a general anesthetic may be the preferred option.
4- Skin tags are benign, meaning they are non cancerous. It is very unusual for a biopsy to be performed on skin tags but this may be an option that your physician wants to look at. A biopsy means that a small part (or the whole area) of the skin tags are sent away to the laboratory to be tested.
5- While the operation is painless and very straightforward there is no need to have skin tags removed unless they are getting rubbed or irritated on a regular basis. You should seriously consider whether it is absolutely necessary before requesting a removal.


How Your Lucky Number Can Influence Your Life

Choosing your lucky number can help you achieve a positive outcome in any situation. This is because your lucky number will attract the positive energy you need to be successful and avoid any negative energies that can ruin your day.

There are many ways that your lucky number can influence your life and it is important to understand how each one affects you so that you can make the most of them. For example, your lucky number may be influenced by a certain date, time, or location. In addition, your lucky number may be affected by the planets, astrological sign, or a combination of these.

The number seven is the most commonly associated with luck, but this doesn’t mean it’s the only digit that brings good fortune to people. In fact, the number seven is rooted in many cultures and religions around the world.

It has also been linked to a variety of other positive meanings, such as love and success. It’s even considered an auspicious number in some Chinese cultures.

In เลขกำลังวัน ทั้ง 7 วัน , the number eight is also considered lucky. The number eight is called suehirogari in Japanese, which means “widening at the bottom,” which symbolizes prosperity and growth.

While เลขกำลังวัน ทั้ง 7 วัน might consider this a coincidence, you can actually use it to your advantage if you know how to interpret the number correctly. For example, you can use it to give yourself a promotion or increase your chances of landing that dream job.

Similarly, you can use it to find out which numbers are the best ones to put on your business card or website to improve your reputation and boost your online traffic. You can also use it to determine the best time to buy a car or house to ensure you get the most out of your purchase.

The number three is considered lucky in many cultures and is especially associated with the Holy Trinity. In Christianity, there’s the Father, Son and Holy Spirit; in Hinduism, it’s known as a trinity of earth, sea and air; and in other cultures, it’s often associated with fertility.

As a result, the number three is a great choice for anyone looking to increase their positivity and good fortune in 2023. The number three is also closely linked to the moon frog, a mythical creature that’s believed to bring good luck and prosperity.

It can also be a good choice if you’re starting a new project or planning to move somewhere new in the coming year. If you’re a creative person, you might choose to incorporate this lucky number into your projects.

There are a few things you can do to make your lucky number even more powerful, including focusing on the number every day and writing down your lucky number. You can also add your lucky number to your wallet or handbag so that you always have it with you and can call on its energy when needed.

In addition to having your lucky number in mind, it’s also a good idea to pick a new phone number each year. It’s important to remember that the digits in your phone number have the most power when they’re repeated three times. This is because each repetition makes the number more powerful and impacts the person who holds the number.