travelocity.com has a low fare alert that you can sign up for, and it emails you when the fare between your selected cities goes up or down.
I prefer Yahoo Travel which has an RSS feed that displays the lowest fare available every time I log into my home page of my.yahoo.com.Im looking for a web site that gives you advice of when the best time to buy airline tickets is....any idea?
www.air-asia.comIm looking for a web site that gives you advice of when the best time to buy airline tickets is....any idea?
check for www.mytrip.com in india
Tuesday, November 22, 2011
Are you a teacher? Can you give me some advice?
I would like to become a teacher! My question is: is it hard to obtain your bachelor's degree in education? I am going to take my entrance tests for college soon then I will know where to start. I was just wanting some advice, experiences you have had as a teacher and what the career field is like? I would greatly appreciate it.
Thanks and god bless!Are you a teacher? Can you give me some advice?
The difficulty factor in getting an education degree shouldn't scare you. It's challenging, but it's not rocket science.
As for what it is like to be a teacher, there seem to be as many answers as there are teachers. It can be one of the most rewarding careers imaginable and one of the most frustrating. Talk to some of your own teachers or former teachers that you particularly respect and get their feelings about this and advice.
My final bit of advice is to either choose a school that gets you in the classroom early as an intern or volunteer aide. If your chosen school does not do this, find somewhere to volunteer on your own time and find out how the classroom feels to you in a non-student role. I've seen friends go through 3 1/2 years of an education major and then hit reality in their student teaching experience and decide that teaching is not for them. Better to find out (either way) early in the going. It will either motivate you to do well because you know you love it or let you make a change before you get too far down the road.
Good luck!Are you a teacher? Can you give me some advice?
Depending on where and what you want to teach, you don't have to get a BA in education. I have a degree in psychology, and I teach social studies, history, and government. I know others who have random Bachelors degrees and still get away with teaching. You must have a license though, so as long as you have the qualification, you can teach. Its hard work, but easy enough.
Thanks and god bless!Are you a teacher? Can you give me some advice?
The difficulty factor in getting an education degree shouldn't scare you. It's challenging, but it's not rocket science.
As for what it is like to be a teacher, there seem to be as many answers as there are teachers. It can be one of the most rewarding careers imaginable and one of the most frustrating. Talk to some of your own teachers or former teachers that you particularly respect and get their feelings about this and advice.
My final bit of advice is to either choose a school that gets you in the classroom early as an intern or volunteer aide. If your chosen school does not do this, find somewhere to volunteer on your own time and find out how the classroom feels to you in a non-student role. I've seen friends go through 3 1/2 years of an education major and then hit reality in their student teaching experience and decide that teaching is not for them. Better to find out (either way) early in the going. It will either motivate you to do well because you know you love it or let you make a change before you get too far down the road.
Good luck!Are you a teacher? Can you give me some advice?
Depending on where and what you want to teach, you don't have to get a BA in education. I have a degree in psychology, and I teach social studies, history, and government. I know others who have random Bachelors degrees and still get away with teaching. You must have a license though, so as long as you have the qualification, you can teach. Its hard work, but easy enough.
Your problem & advice given to you about drug addiction?
hey. i need to ask you about the problems you encounter about drug addiction... and the advices people/friends gave you.
** sort of like those problem/advice page on the magazines..
thank you.Your problem %26amp; advice given to you about drug addiction?
Well, I have to say peoples advice never held any sway to get me to quit using drugs and alcohol. I totally wanted their advice when things went bad for me but never took it (I think I just liked the attention), I always thought I was smarter than them. When I was up and having a good time I resented their advice and wanted them to leave me alone.
Understand this coming from me, a drug addict who knows - addicts are manipulators, they are selfish, spineless, romantic, narcissistic liars who love people but not near as much as they love feeling good. We come in all shapes and sizes with all sorts of different addictions. We quit when we get good and ready and only when we can face the truth and begin to tell the truth, no matter what. No person ever told me that, I had to find it out on my own.
Advice: ';fake it til you make it'; (just plain stupid and vague), ';prayer and God can take away your cravings and heal you'; (partially true but not like magic, it's a trial), ';Keep coming to AA/NA'; meetings (makes your addiction the center focus of your life), ';talk to someone'; (I never listen), ';Get married to someone who will keep you straight'; (you'll make them miserable).
Addiction is a mindset not at all easily overcome, I'm still trying to beat it everyday. Even though I have not used illegal drugs in 20 years and stopped drinking many years ago I have had trouble with any prescription I ever took that altered my normal state, even over the counter stuff. I am still married after 20 years but my personality causes much emotional pain to those I love. I am working on it.
Hope that answers your question. Advice is good - just not real effective.
** sort of like those problem/advice page on the magazines..
thank you.Your problem %26amp; advice given to you about drug addiction?
Well, I have to say peoples advice never held any sway to get me to quit using drugs and alcohol. I totally wanted their advice when things went bad for me but never took it (I think I just liked the attention), I always thought I was smarter than them. When I was up and having a good time I resented their advice and wanted them to leave me alone.
Understand this coming from me, a drug addict who knows - addicts are manipulators, they are selfish, spineless, romantic, narcissistic liars who love people but not near as much as they love feeling good. We come in all shapes and sizes with all sorts of different addictions. We quit when we get good and ready and only when we can face the truth and begin to tell the truth, no matter what. No person ever told me that, I had to find it out on my own.
Advice: ';fake it til you make it'; (just plain stupid and vague), ';prayer and God can take away your cravings and heal you'; (partially true but not like magic, it's a trial), ';Keep coming to AA/NA'; meetings (makes your addiction the center focus of your life), ';talk to someone'; (I never listen), ';Get married to someone who will keep you straight'; (you'll make them miserable).
Addiction is a mindset not at all easily overcome, I'm still trying to beat it everyday. Even though I have not used illegal drugs in 20 years and stopped drinking many years ago I have had trouble with any prescription I ever took that altered my normal state, even over the counter stuff. I am still married after 20 years but my personality causes much emotional pain to those I love. I am working on it.
Hope that answers your question. Advice is good - just not real effective.
What advice do you have for a rather spoiled young lady as she enters a new phase of her life?
I am 16 and my daddy, against my will, is sending me to a boarding school that he hopes will ';adjust my attitude';. For instance, they have uniforms, ROTC and no boys!.
I will even be having a roommate. I have never even shared a room before except with my older sister when I was really little. How can a rather spoiled young lady, such as myself, acclimate to having a roommate? suppose she is not spoiled? suppose she is a thug? suppose she is a junkie? suppose she is a lesbian? How do come up with rules and stuff if we disagree about something? with my older brother and older sister I just cry and SCREAM to get my way (well some of the time), but these will be total strangers.
Thank you and good day,What advice do you have for a rather spoiled young lady as she enters a new phase of her life?
Ok, Lori, here's my advice from what I know about dorms:
~Bring stuff like a folding hamper and transportable shower caddy. That way, you can hide your stuff and store it in compact spaces.
~Buy a small safe for really valuable stuf so your roomate can't get her paws near it.
~Don't be the boss. Set rules together. And don't claim all the biggest and best stuff. Split things equally (well, as equally as possible!)
~More than likely, your roommate will not be spoiled. So, you have to accept that. ';Lindsay, I am spoiled. I hope to make it so that my spoiledness doesn't interfere with you.'; And don't throw an extreme number of temper tantrums because you will get in trouble.
~If she is a thug, be careful. You need real proof. And if you find a lead, report it to your Headmaster or person in charge of that. But do it ANONYMOUSLY! Trust me, you can't identify yourself.
~If she is a junkie, you also have to report her, but try to get good evidence, like people frequenting your room with large amounts of cash and leaving with bags, her being half out of it whenever, and other obvious signs. You know what to do.
~Lesbian. Hmm. Tight one. I guess you just have to know for certain, and then explain in a polite way. ';Lindsay, I understand that we have different sexual orientations. But let's not involve that in our friendship. You have yours and I have mine. So let's leave it at that. Ok?';
~Basically, just treat your roommate like you want her to treat you.
And most likely, honestly, you'll probably get some really nice girl who you'll get along with really well.
And sorry for naming her Lindsay, just making an example.
7 days. Aah! I've been counting down on my facebook the number of days (literally, my status is ';counting down to my trip (2 days) and till Lori leaves (7)';) and everyone wants to know who you are! I'm going to miss you, so we'll email and you'll give me your facebook name.
Good luck! I'm bringing my phone and computer with me, so I'll check for your question of the day every day!
Please do email.
In case this is it for us on here, goodbye Lori. Thank you and many good days.
Oh, and PS: I was reading the answers to Em's question about being bored. when I hit yours, I saw you say something about the girl who looked just like me, and how you thought it was me and all. So I started looking. That was FREAKY! She looked so much like me!! But we obviously have nothing in common because I'm not going to tell someone to do that.
Talk to you soon! Let me know if you need my email address again!
//\\//\\//\\//What advice do you have for a rather spoiled young lady as she enters a new phase of her life?
You will learn to deal with the real problems of life instead of having someone do it for you. I guarantee you that you will gain some self respect and even make some good friends. Quit worrying so much about your roommate, most people are pretty normal. Well, except for you.
Sometimes having a roommate can be a good thing. It teaches you how to interact and make friends. You can also learn some new tricks for getting your way with daddy. Sounds like the old tricks aren't working anymore. Good luck!
Lori, change and adaptation to those changes, is all part of growing up.Having a roommate is certainly going to be a challenge.Be prepared to share a space with a stranger who may or may not be of your liking.Be prepared to make compromises in order for this to work out.I'm sure there will be rules for students to follow while in residency.so some choices will be made for you.If you work at it, you may find your roommate will become a friend for life.Keep in mind it is the small things that irritate in a relationship (whether it is friends, acquaintances or couples).Keep bathroom spaces clean, do not use someone else's property without permission and don't play your country music too loud when your roommate is studying. (just kidding about the country musicLori I don't know what music you like.It basically comes down to respecting your roommates space and property and being willing to compromise.As for rules that will all get sorted out when you meet your roommate.Some things you will learn through trial and error.PLEASE try not let the visual of your roommate destroy a potential friendship before you even say hello.Lori , you've got a slight case of the jitters but I think you will be fine.It is just facing the unknown.You have nothing to fear but fear itself.Take care.
It looks like you've got some changes coming your way . I doubt that it will be as bad as you have visualized in your mind, and hopefully you will take the opportunity to learn that every person no matter what their age , needs to learn to get along with people and no body no matter who they are is any better then the next person. At your age I suspect that you won't be there to long. So, put on your lady manners and try to look at all the other girls , in the same boat as you are, as potential friends. Good luck!
Time to grow up and get unspoiled :)
You won't know what the roommate will be like until you get there. Best to make friends or live in hell for a long time if you don't.
You better get unspoiled in a hurry. You family might give you your way to shut you up but stranges don't have to.
It will be good for you to learn a new experience. Your father is taking a great step to prepare you with a great education that many of us will never have. Try to open your mind more and think about taking your focus off someone besides yourself. The situation will only be as bad as you make it.
Think of life as one long learning experience. We're here to meet new people, find out about them, etcetera. Whatever happens, you'll learn from it, right?
Don't worry, you'll be fine and we'll always be here for you.
Time to come to terms with reality...and if you want to be spoiled, you work for everything you have. You must need something else readjusted because having a rotten attitude can be fixed by working, taking away your freedoms, and your parents just giving you the cold shoulder. Boarding school doesn't always help, an individual can come out ten times worse.
...Erm? If you ever want to go away to college, you should get used to the idea of a roommate. Never know, could be the best years of your life.
lol tell the person in chagre that u have a very bad disease and connnot sleep wit anyone unless they want the whole skool to be closed down...
Well for starters get over yourself and stop being a self acclaimed spoiled brat - it's not cute. In the real world crying and screaming will most likely get you nowhere so just try being reasonable with this new roommate. Don't go into it thinking things will be a disaster - she may surprise you and become a great friend, or someone you can learn from - even if she is different. Be open. If you want to set some initial ground rules, talk to her when you move in together about the basics, but don't get all bossy-pants on her, it'll be her room too. Just try to enjoy the experience for what it is. Good luck.
just grow up because most people dont like people who are spoiled and your not at home any more you might say something that would fly at home but might get you punched in the face now so I would say dont worry about other people just mind your own business and adjust to your enviorment respect people the way you want to be respected unless your the fighting type and dont mind getting downpores
I will even be having a roommate. I have never even shared a room before except with my older sister when I was really little. How can a rather spoiled young lady, such as myself, acclimate to having a roommate? suppose she is not spoiled? suppose she is a thug? suppose she is a junkie? suppose she is a lesbian? How do come up with rules and stuff if we disagree about something? with my older brother and older sister I just cry and SCREAM to get my way (well some of the time), but these will be total strangers.
Thank you and good day,What advice do you have for a rather spoiled young lady as she enters a new phase of her life?
Ok, Lori, here's my advice from what I know about dorms:
~Bring stuff like a folding hamper and transportable shower caddy. That way, you can hide your stuff and store it in compact spaces.
~Buy a small safe for really valuable stuf so your roomate can't get her paws near it.
~Don't be the boss. Set rules together. And don't claim all the biggest and best stuff. Split things equally (well, as equally as possible!)
~More than likely, your roommate will not be spoiled. So, you have to accept that. ';Lindsay, I am spoiled. I hope to make it so that my spoiledness doesn't interfere with you.'; And don't throw an extreme number of temper tantrums because you will get in trouble.
~If she is a thug, be careful. You need real proof. And if you find a lead, report it to your Headmaster or person in charge of that. But do it ANONYMOUSLY! Trust me, you can't identify yourself.
~If she is a junkie, you also have to report her, but try to get good evidence, like people frequenting your room with large amounts of cash and leaving with bags, her being half out of it whenever, and other obvious signs. You know what to do.
~Lesbian. Hmm. Tight one. I guess you just have to know for certain, and then explain in a polite way. ';Lindsay, I understand that we have different sexual orientations. But let's not involve that in our friendship. You have yours and I have mine. So let's leave it at that. Ok?';
~Basically, just treat your roommate like you want her to treat you.
And most likely, honestly, you'll probably get some really nice girl who you'll get along with really well.
And sorry for naming her Lindsay, just making an example.
7 days. Aah! I've been counting down on my facebook the number of days (literally, my status is ';counting down to my trip (2 days) and till Lori leaves (7)';) and everyone wants to know who you are! I'm going to miss you, so we'll email and you'll give me your facebook name.
Good luck! I'm bringing my phone and computer with me, so I'll check for your question of the day every day!
Please do email.
In case this is it for us on here, goodbye Lori. Thank you and many good days.
Oh, and PS: I was reading the answers to Em's question about being bored. when I hit yours, I saw you say something about the girl who looked just like me, and how you thought it was me and all. So I started looking. That was FREAKY! She looked so much like me!! But we obviously have nothing in common because I'm not going to tell someone to do that.
Talk to you soon! Let me know if you need my email address again!
//\\//\\//\\//What advice do you have for a rather spoiled young lady as she enters a new phase of her life?
You will learn to deal with the real problems of life instead of having someone do it for you. I guarantee you that you will gain some self respect and even make some good friends. Quit worrying so much about your roommate, most people are pretty normal. Well, except for you.
Sometimes having a roommate can be a good thing. It teaches you how to interact and make friends. You can also learn some new tricks for getting your way with daddy. Sounds like the old tricks aren't working anymore. Good luck!
Lori, change and adaptation to those changes, is all part of growing up.Having a roommate is certainly going to be a challenge.Be prepared to share a space with a stranger who may or may not be of your liking.Be prepared to make compromises in order for this to work out.I'm sure there will be rules for students to follow while in residency.so some choices will be made for you.If you work at it, you may find your roommate will become a friend for life.Keep in mind it is the small things that irritate in a relationship (whether it is friends, acquaintances or couples).Keep bathroom spaces clean, do not use someone else's property without permission and don't play your country music too loud when your roommate is studying. (just kidding about the country musicLori I don't know what music you like.It basically comes down to respecting your roommates space and property and being willing to compromise.As for rules that will all get sorted out when you meet your roommate.Some things you will learn through trial and error.PLEASE try not let the visual of your roommate destroy a potential friendship before you even say hello.Lori , you've got a slight case of the jitters but I think you will be fine.It is just facing the unknown.You have nothing to fear but fear itself.Take care.
It looks like you've got some changes coming your way . I doubt that it will be as bad as you have visualized in your mind, and hopefully you will take the opportunity to learn that every person no matter what their age , needs to learn to get along with people and no body no matter who they are is any better then the next person. At your age I suspect that you won't be there to long. So, put on your lady manners and try to look at all the other girls , in the same boat as you are, as potential friends. Good luck!
Time to grow up and get unspoiled :)
You won't know what the roommate will be like until you get there. Best to make friends or live in hell for a long time if you don't.
You better get unspoiled in a hurry. You family might give you your way to shut you up but stranges don't have to.
It will be good for you to learn a new experience. Your father is taking a great step to prepare you with a great education that many of us will never have. Try to open your mind more and think about taking your focus off someone besides yourself. The situation will only be as bad as you make it.
Think of life as one long learning experience. We're here to meet new people, find out about them, etcetera. Whatever happens, you'll learn from it, right?
Don't worry, you'll be fine and we'll always be here for you.
Time to come to terms with reality...and if you want to be spoiled, you work for everything you have. You must need something else readjusted because having a rotten attitude can be fixed by working, taking away your freedoms, and your parents just giving you the cold shoulder. Boarding school doesn't always help, an individual can come out ten times worse.
...Erm? If you ever want to go away to college, you should get used to the idea of a roommate. Never know, could be the best years of your life.
lol tell the person in chagre that u have a very bad disease and connnot sleep wit anyone unless they want the whole skool to be closed down...
Well for starters get over yourself and stop being a self acclaimed spoiled brat - it's not cute. In the real world crying and screaming will most likely get you nowhere so just try being reasonable with this new roommate. Don't go into it thinking things will be a disaster - she may surprise you and become a great friend, or someone you can learn from - even if she is different. Be open. If you want to set some initial ground rules, talk to her when you move in together about the basics, but don't get all bossy-pants on her, it'll be her room too. Just try to enjoy the experience for what it is. Good luck.
just grow up because most people dont like people who are spoiled and your not at home any more you might say something that would fly at home but might get you punched in the face now so I would say dont worry about other people just mind your own business and adjust to your enviorment respect people the way you want to be respected unless your the fighting type and dont mind getting down
Me and my partner are looking to buy our first house together..what is the best advice you can give us?
We live in the north west of england and we are looking for a house..where can we get a good mortgage and what advice can you give us? Thanks :)Me and my partner are looking to buy our first house together..what is the best advice you can give us?
1) get a mortgage in priciple before you go looking - this may help you avoid gazumping.
2) don't rely on the survey the bank has done - do the cheap one for the bank and a full one independently.
3) make sure you can afford the mortgage, and have the necessary deposit.
4) when you put an offer in, offer less than the asking price and if this is accepted place a £50.00 deposit on acceptance and get the vendor to remove the property from the market.
5) ask your estate agent to recommend a solicitor and if you are not using one ring round to find out if they do special deals for house purchases. Once you have chosen one get the forms completed as quickly as possible so that you can move quicker.
6) If any problems that are fixable come up in the survey try to negotiate the price down or if the vendor won't budge get them to get the work done and for a guarantee to be given.
7)take out insurance on the property from the day the contracts are signed - and if possible take out mortgage repayment insurance and income replacement plans on one salary.
8) check your local papers - if a house has been on the market for awhile you may get it cheaper - we did this and knocked 14K off the asking price as they were soooooo desperate to sell.
9) Lie to the estate agents about how much you want to spend - I can guarantee that if you say £150K they will send you out to look at houses in areas you haven't specified and over your budget upto 175K probably......
10) negotiate estate agents fees if you pay them and contract length - we got ours reduced to 1% from 1.5% and from 12 weeks to 6.
One final thing - look at all types of home even if you hadn't considered it before and don't turn down viewings the estate agent may get stropy and stop sending you the best places that come up.Me and my partner are looking to buy our first house together..what is the best advice you can give us?
don't loose your job.for if you do,there's no mercy these days,you'll be thrown out in no time at all.
i think the best advise for you would be to look on the market dont go and jump right into it as you can make a mistake realy bad and very easy so vuiw alot off places and make sure that you and your partner want it when you find the right house you will no when you walk in but the first one will feel like that to hope that it helps
-If you can hang on a bit do so. Being a first time buyer you
will have the whip hand soon.
-The credit crunch means the housing market is seizing up.
-There are going to be house price reductions and a lot of
repossessions as mortgage renewal rates jump alarmingly.
-Mortgages will be more expensive and higher deposits
needed. Check with various building societies what they
would typically lend you so you know your price limit AND DON'T EXCEED IT!
-So keep saving, the bigger the deposit the better your
chance of getting a better deal. Can the bank of ';MUM %26amp;
DAD'; help at all?
-Don't be scared of putting in a low offer, some people will
be desperate. If not accepted there will be plenty more
soon!
-Remember the running costs are now high, Energy, Council
tax etc. have all jumped alarmingly, and will only increase in
future. Check out before jumping in on an offer!
-DO YOUR HOMEWORK and take off the rose tinted
glasses, you are going to be hard up whatever!
-Pay off any debts you already have, don't ignore them. Card
debts for example (typically 15%) are exorbitant, it is better
to use savings to get rid of them and pay them off rather than
earn 5% (taxable) in the bank.
if you have a house youre about to sell, wait later. selling is a horrible time. the stock market is down. I dont know about buying.
well according to the every thing said in the press the thing is to wait, because of this credit crunch, have at least 10% deposit for your mortgage.
Put down a 25% downpayment.
Try to put extra money towards your mortgage every year, and try in increase your payments whenever possible.
A few things, as your not married I suggest that you carefully look at what you want to happen if one of you dies, sorry if thats a bit morbid, but if you were to die
With joint ownership the other would inherit
With shared it would go to next of kin or whoever they willed it to.
Finance
It is essential to work out what you can afford, set yourself a budget and stick to it. With a huge range of mortgages, competition between lenders and low interest rates, many borrowers find themselves being offered vast sums of money. However, interest rates can rise and, as they do, so will your monthly repayments. You could lose your home if you fail to keep up with your mortgage repayments, so make sure they are affordable. As a rule, mortgage repayments should not exceed a third of your net monthly income.
It is best to have a mortgage arranged as soon as possible, so that you are in a stronger position when you find the property you wish to buy. Mortgage lenders can give offers 'in principle' - a tentative agreement to lend you a certain amount of money. This amount should of course match your budget.
Property search
Think about what sort of property would best suit your needs. Eliminating unsuitable properties at this stage will save you a lot of time and effort. It is helpful to distinguish between what you need and what you want, and be prepared to compromise over location and local amenities.
Majority of people looking to buy a house purchase their property through an estate agent. Register with agents in the area in which you are looking, and tell them exactly what you are looking for. Be keen, contactable and ready to view properties immediately as properties can be sold in under a week. Be aware that estate agents are paid by, and act in the interest of, the vendor.
You can search houses for sale and flats for sale on our database, and find out local information including schools, council tax, transport, crime rate, house prices and leisure facilities.
Viewing
Viewing a property is a crucial stage of buying a house. More often than not you will be able to tell within minutes of walking into a house whether you could live there. However, don't dismiss properties simply based on how they look or are decorated.
Be objective. It is important to see a property at least twice, preferably with a friend. Visit at different times of the day and week to build a picture of the neighbourhood. If you still like it, make an offer.
Making an offer
Obviously you don't want to pay more than you have to for a property but equally you don't want to insult the owners, or risk losing it, with a low offer. If things are selling fast and you feel the house is realistically priced. However, if the house has been on the market some time you could try offering a less.
If your first offer isn't accepted and you are prepared to go higher, do try again. There is likely to be a period of negotiation before a price is agreed. Once your offer is accepted, ensure that you get it confirmed in writing by the estate agent, or vendor, if it is a private sale.
Nothing is legally binding at this point - your offer is subject to contract and a survey. Either you or the seller can pull out of the sale right up until the point when contracts are exchanged.
Next steps
The faster you can complete on the sale, the less chance there is of being gazumped (where another buyer outbids you). You need to:
o Inform your mortgage lender that you have found the house to buy. They will need to arrange a valuation as soon as possible
o Instruct your solicitor or conveyancer. Provide them with the address of the house you wish to buy, details of the vendor's solicitor and the details of your mortgage lender
o Choose and commission a survey
o Ask the agent to change the For Sale sign to Sold
Surveys
Prices vary substantially, starting at £100 and rising up to £1,000, depending on the property type and which survey you select. Always use a surveyor registered by the Royal Institution of Chartered Surveyors (RICS).
Legal advice %26amp; conveyancing
Conveyancing is the legal term for the process by which property ownership is transferred. Property conveyance will be done by a solicitor or a licensed conveyancer (you can do it yourself, athough you have to be organised).
Finding a conveyancer
When appointing a solicitor or conveyancer it is generally best to be guided by a personal recommendation. Failing this, contact the Law Society, The National Solicitors' Network or the Council of Licensed Conveyancers to find registered members.
Your solicitor or conveyancer is there to protect you from any legal obstacle that may prevent you from taking full, free ownership of the house that you are buying.
Exchange of contracts
Your solicitor/conveyancer must receive your finalised mortgage offer and a draft contract from the seller's solicitor before he can proceed. Once both parties are happy with the contract, identical copies are signed. The copy signed by you will be sent to the vendor's solicitor with your deposit. Your solicitor will then receive the vendor's contract. The exchange of contracts has now occurred and the sale is legally binding.
Make sure you are happy with the contract. Read the fixtures and fittings list carefully so you know what's staying and what's going - that way you'll avoid any nasty surprises on moving-in day.
Completion
The date of completion is agreed at the exchange stage. It can be the same day or months later. On completion, the balance of the purchase price is paid to the vendor and the deeds of the house are handed to your solicitor who passes them to your mortgage lender as security for the loan. You are now the legal owner of the property
Make a will and take out insurance for building (mortgage comapny will insist this is in place at exchane of contracts.
Get contents insurance if you can afford it and life insurance for both of you if you are going to go into this as joint ownership.
All depends on your credit rating (even one missed payment on a credit card can have such an adverse effect these days that a lot of the best mortgage deals will be closed to you). As has been mentioned, you'll need at least a 10% deposit.
1) get a mortgage in priciple before you go looking - this may help you avoid gazumping.
2) don't rely on the survey the bank has done - do the cheap one for the bank and a full one independently.
3) make sure you can afford the mortgage, and have the necessary deposit.
4) when you put an offer in, offer less than the asking price and if this is accepted place a £50.00 deposit on acceptance and get the vendor to remove the property from the market.
5) ask your estate agent to recommend a solicitor and if you are not using one ring round to find out if they do special deals for house purchases. Once you have chosen one get the forms completed as quickly as possible so that you can move quicker.
6) If any problems that are fixable come up in the survey try to negotiate the price down or if the vendor won't budge get them to get the work done and for a guarantee to be given.
7)take out insurance on the property from the day the contracts are signed - and if possible take out mortgage repayment insurance and income replacement plans on one salary.
8) check your local papers - if a house has been on the market for awhile you may get it cheaper - we did this and knocked 14K off the asking price as they were soooooo desperate to sell.
9) Lie to the estate agents about how much you want to spend - I can guarantee that if you say £150K they will send you out to look at houses in areas you haven't specified and over your budget upto 175K probably......
10) negotiate estate agents fees if you pay them and contract length - we got ours reduced to 1% from 1.5% and from 12 weeks to 6.
One final thing - look at all types of home even if you hadn't considered it before and don't turn down viewings the estate agent may get stropy and stop sending you the best places that come up.Me and my partner are looking to buy our first house together..what is the best advice you can give us?
don't loose your job.for if you do,there's no mercy these days,you'll be thrown out in no time at all.
i think the best advise for you would be to look on the market dont go and jump right into it as you can make a mistake realy bad and very easy so vuiw alot off places and make sure that you and your partner want it when you find the right house you will no when you walk in but the first one will feel like that to hope that it helps
-If you can hang on a bit do so. Being a first time buyer you
will have the whip hand soon.
-The credit crunch means the housing market is seizing up.
-There are going to be house price reductions and a lot of
repossessions as mortgage renewal rates jump alarmingly.
-Mortgages will be more expensive and higher deposits
needed. Check with various building societies what they
would typically lend you so you know your price limit AND DON'T EXCEED IT!
-So keep saving, the bigger the deposit the better your
chance of getting a better deal. Can the bank of ';MUM %26amp;
DAD'; help at all?
-Don't be scared of putting in a low offer, some people will
be desperate. If not accepted there will be plenty more
soon!
-Remember the running costs are now high, Energy, Council
tax etc. have all jumped alarmingly, and will only increase in
future. Check out before jumping in on an offer!
-DO YOUR HOMEWORK and take off the rose tinted
glasses, you are going to be hard up whatever!
-Pay off any debts you already have, don't ignore them. Card
debts for example (typically 15%) are exorbitant, it is better
to use savings to get rid of them and pay them off rather than
earn 5% (taxable) in the bank.
if you have a house youre about to sell, wait later. selling is a horrible time. the stock market is down. I dont know about buying.
well according to the every thing said in the press the thing is to wait, because of this credit crunch, have at least 10% deposit for your mortgage.
Put down a 25% downpayment.
Try to put extra money towards your mortgage every year, and try in increase your payments whenever possible.
A few things, as your not married I suggest that you carefully look at what you want to happen if one of you dies, sorry if thats a bit morbid, but if you were to die
With joint ownership the other would inherit
With shared it would go to next of kin or whoever they willed it to.
Finance
It is essential to work out what you can afford, set yourself a budget and stick to it. With a huge range of mortgages, competition between lenders and low interest rates, many borrowers find themselves being offered vast sums of money. However, interest rates can rise and, as they do, so will your monthly repayments. You could lose your home if you fail to keep up with your mortgage repayments, so make sure they are affordable. As a rule, mortgage repayments should not exceed a third of your net monthly income.
It is best to have a mortgage arranged as soon as possible, so that you are in a stronger position when you find the property you wish to buy. Mortgage lenders can give offers 'in principle' - a tentative agreement to lend you a certain amount of money. This amount should of course match your budget.
Property search
Think about what sort of property would best suit your needs. Eliminating unsuitable properties at this stage will save you a lot of time and effort. It is helpful to distinguish between what you need and what you want, and be prepared to compromise over location and local amenities.
Majority of people looking to buy a house purchase their property through an estate agent. Register with agents in the area in which you are looking, and tell them exactly what you are looking for. Be keen, contactable and ready to view properties immediately as properties can be sold in under a week. Be aware that estate agents are paid by, and act in the interest of, the vendor.
You can search houses for sale and flats for sale on our database, and find out local information including schools, council tax, transport, crime rate, house prices and leisure facilities.
Viewing
Viewing a property is a crucial stage of buying a house. More often than not you will be able to tell within minutes of walking into a house whether you could live there. However, don't dismiss properties simply based on how they look or are decorated.
Be objective. It is important to see a property at least twice, preferably with a friend. Visit at different times of the day and week to build a picture of the neighbourhood. If you still like it, make an offer.
Making an offer
Obviously you don't want to pay more than you have to for a property but equally you don't want to insult the owners, or risk losing it, with a low offer. If things are selling fast and you feel the house is realistically priced. However, if the house has been on the market some time you could try offering a less.
If your first offer isn't accepted and you are prepared to go higher, do try again. There is likely to be a period of negotiation before a price is agreed. Once your offer is accepted, ensure that you get it confirmed in writing by the estate agent, or vendor, if it is a private sale.
Nothing is legally binding at this point - your offer is subject to contract and a survey. Either you or the seller can pull out of the sale right up until the point when contracts are exchanged.
Next steps
The faster you can complete on the sale, the less chance there is of being gazumped (where another buyer outbids you). You need to:
o Inform your mortgage lender that you have found the house to buy. They will need to arrange a valuation as soon as possible
o Instruct your solicitor or conveyancer. Provide them with the address of the house you wish to buy, details of the vendor's solicitor and the details of your mortgage lender
o Choose and commission a survey
o Ask the agent to change the For Sale sign to Sold
Surveys
Prices vary substantially, starting at £100 and rising up to £1,000, depending on the property type and which survey you select. Always use a surveyor registered by the Royal Institution of Chartered Surveyors (RICS).
Legal advice %26amp; conveyancing
Conveyancing is the legal term for the process by which property ownership is transferred. Property conveyance will be done by a solicitor or a licensed conveyancer (you can do it yourself, athough you have to be organised).
Finding a conveyancer
When appointing a solicitor or conveyancer it is generally best to be guided by a personal recommendation. Failing this, contact the Law Society, The National Solicitors' Network or the Council of Licensed Conveyancers to find registered members.
Your solicitor or conveyancer is there to protect you from any legal obstacle that may prevent you from taking full, free ownership of the house that you are buying.
Exchange of contracts
Your solicitor/conveyancer must receive your finalised mortgage offer and a draft contract from the seller's solicitor before he can proceed. Once both parties are happy with the contract, identical copies are signed. The copy signed by you will be sent to the vendor's solicitor with your deposit. Your solicitor will then receive the vendor's contract. The exchange of contracts has now occurred and the sale is legally binding.
Make sure you are happy with the contract. Read the fixtures and fittings list carefully so you know what's staying and what's going - that way you'll avoid any nasty surprises on moving-in day.
Completion
The date of completion is agreed at the exchange stage. It can be the same day or months later. On completion, the balance of the purchase price is paid to the vendor and the deeds of the house are handed to your solicitor who passes them to your mortgage lender as security for the loan. You are now the legal owner of the property
Make a will and take out insurance for building (mortgage comapny will insist this is in place at exchane of contracts.
Get contents insurance if you can afford it and life insurance for both of you if you are going to go into this as joint ownership.
All depends on your credit rating (even one missed payment on a credit card can have such an adverse effect these days that a lot of the best mortgage deals will be closed to you). As has been mentioned, you'll need at least a 10% deposit.
Need advice asap so please could you help?
I went for a job interview last week and when i went they said i should apply for the position higher so i said that i would love to and that they were going to close the date for applicants early this week. The problem i have i have been offered another job but i really want the other job but they have not let me know either way. Should i ring them up and ask if they have made a decesion either way and explain i have why i want to know or do i wait to hear from them? is it rude to ring them up and ask?Need advice asap so please could you help?
If I were you, i'd definitly give them a call!
I'd start off the conversation as follows, %26amp; have chosed 2 scenarios on the bottom as an end:::
';Hello this is so n so, and the reason for my call is to follow up with you regarding the interview we had last week and to inquire if you had made your decision yet.... If she hasn't decided yet.... I would make a point to say.... ';Alright, again I just wanted to follow up, and remind you once again that I'm extremely interested in this position.
At this point you'll need an ending... I gave you 2 scenarios, as follows::::
Scenario 1:
';I do want to let you know that due to the economy I have applied to other companies as well, but I want to make it very clear that this is my first choice. When you do make your final decision, could you please give me a call either way, I'd really appreciate it....(at this point he/she should say, we will be making our decision by ex. friday) ok then, it was a pleasure speaking with you, have a nice day.
OR
Scenario 2:
';I want to let you know that working for this company is my first very choice, %26amp; I think I would be a great asset to your company %26amp; i'd ask that when you do make your final decision, if you'd please inform me either way, I'd really appreciate it....(at this point he/she should say, we will be making our decision by ex. friday) ok ';so n so'; it was a pleasure speaking with you, %26amp; have a nice day.';
If I were you, I'd go w/ # 2, as they might think you're not that interested.... Hope this helps = )Need advice asap so please could you help?
not sure why you are in the 'trying to conceive' section but hey-ho :-)
I would ring them up and just ask them straight. It may even help to say that you have been offered another job.
If you explain that you don't want to accept the other job if there's a chance they are going to hire you for this position then it will show just how much you really want to work for them. It will also show that you are in demand and they will have to be quick because you are about to be snapped up.
I am job hunting as well so I wish you the best of luck.x
It was recommended in an article on yahoo yesterday that you wait a week before calling to inquire about a position you have interviewed for. But each place and employer have individual feelings on calling to check so its a do at your own risk type of thing. They usually don't leave people in the lurch once they have made up their minds and you should know soon after they decide.
not necessarily as it makes you look eager which gives you a better chance, but you could always apply for the new one and turn down the other.
If I were you, i'd definitly give them a call!
I'd start off the conversation as follows, %26amp; have chosed 2 scenarios on the bottom as an end:::
';Hello this is so n so, and the reason for my call is to follow up with you regarding the interview we had last week and to inquire if you had made your decision yet.... If she hasn't decided yet.... I would make a point to say.... ';Alright, again I just wanted to follow up, and remind you once again that I'm extremely interested in this position.
At this point you'll need an ending... I gave you 2 scenarios, as follows::::
Scenario 1:
';I do want to let you know that due to the economy I have applied to other companies as well, but I want to make it very clear that this is my first choice. When you do make your final decision, could you please give me a call either way, I'd really appreciate it....(at this point he/she should say, we will be making our decision by ex. friday) ok then, it was a pleasure speaking with you, have a nice day.
OR
Scenario 2:
';I want to let you know that working for this company is my first very choice, %26amp; I think I would be a great asset to your company %26amp; i'd ask that when you do make your final decision, if you'd please inform me either way, I'd really appreciate it....(at this point he/she should say, we will be making our decision by ex. friday) ok ';so n so'; it was a pleasure speaking with you, %26amp; have a nice day.';
If I were you, I'd go w/ # 2, as they might think you're not that interested.... Hope this helps = )Need advice asap so please could you help?
not sure why you are in the 'trying to conceive' section but hey-ho :-)
I would ring them up and just ask them straight. It may even help to say that you have been offered another job.
If you explain that you don't want to accept the other job if there's a chance they are going to hire you for this position then it will show just how much you really want to work for them. It will also show that you are in demand and they will have to be quick because you are about to be snapped up.
I am job hunting as well so I wish you the best of luck.x
It was recommended in an article on yahoo yesterday that you wait a week before calling to inquire about a position you have interviewed for. But each place and employer have individual feelings on calling to check so its a do at your own risk type of thing. They usually don't leave people in the lurch once they have made up their minds and you should know soon after they decide.
not necessarily as it makes you look eager which gives you a better chance, but you could always apply for the new one and turn down the other.
What advice would you give to someone who has won a lot of money?
spend wisely and turn your phone off!!
a person near me once won about 2.5 mil after taxes..and about 2 years later filed for bankruptcy.. tWhat advice would you give to someone who has won a lot of money?
* Keep the ticket safe - Roger Sockman(Florida Lottery spokesman) says people do funny things with their tickets, such as keeping it in a baggie in the freezer, in a sock under the mattress or most practical of all, in a safe deposit box.
* Think about current job - A winning ticket is a grand thing, but it doesn't really count until you've got the cash. It'd be best take some time off, without explaining why, if possible. They're going to be very busy becoming a millionaire and they'd probably want to quit. Sockman says most winners do, even though at their original interview about a quarter claim they'll keep working. He explains, ';They can't imagine how much money they've won. It's a life-changing event.';
* Find people they can can trust - The most important financial decision to make initially is who's going to be accountant, financial adviser and lawyer.Referral is the best way and if none of your friends or family can recommend a particular professional, it would be good to go to a major accounting firm, a major brokerage and a large law firm.Ask what they'll do for you.
* Arrange for a special account at the bank - You can't just deposit millions into your plain old checking account. And they don't really give you a paper check with a lot of zeroes. They give you the money by a wire transfer to your pre-arranged special account, says Sockman.
*Last bit of advice -Yep,they should definitely change their phone number because now that they're richer than their wildest dreams, everyone's going to want to reach out and touch them, and that will be a nightmare. So get a new unlisted telephone number ;)What advice would you give to someone who has won a lot of money?
Quit while you're ahead. The odds always favor the house in the long run. You can win gambles in the short run, but in the long run, the house ALWAYS wins.
Buy a Vineyard in California or a Ranch in Texas. Don't put it in a Bank or invest yet, wait until after the deppression.
change your phone number and talk to a financial adviser.
Put it away for school or buy a house just dont spend it all in one place
....Give me some?
a person near me once won about 2.5 mil after taxes..and about 2 years later filed for bankruptcy.. tWhat advice would you give to someone who has won a lot of money?
* Keep the ticket safe - Roger Sockman(Florida Lottery spokesman) says people do funny things with their tickets, such as keeping it in a baggie in the freezer, in a sock under the mattress or most practical of all, in a safe deposit box.
* Think about current job - A winning ticket is a grand thing, but it doesn't really count until you've got the cash. It'd be best take some time off, without explaining why, if possible. They're going to be very busy becoming a millionaire and they'd probably want to quit. Sockman says most winners do, even though at their original interview about a quarter claim they'll keep working. He explains, ';They can't imagine how much money they've won. It's a life-changing event.';
* Find people they can can trust - The most important financial decision to make initially is who's going to be accountant, financial adviser and lawyer.Referral is the best way and if none of your friends or family can recommend a particular professional, it would be good to go to a major accounting firm, a major brokerage and a large law firm.Ask what they'll do for you.
* Arrange for a special account at the bank - You can't just deposit millions into your plain old checking account. And they don't really give you a paper check with a lot of zeroes. They give you the money by a wire transfer to your pre-arranged special account, says Sockman.
*Last bit of advice -Yep,they should definitely change their phone number because now that they're richer than their wildest dreams, everyone's going to want to reach out and touch them, and that will be a nightmare. So get a new unlisted telephone number ;)What advice would you give to someone who has won a lot of money?
Quit while you're ahead. The odds always favor the house in the long run. You can win gambles in the short run, but in the long run, the house ALWAYS wins.
Buy a Vineyard in California or a Ranch in Texas. Don't put it in a Bank or invest yet, wait until after the deppression.
change your phone number and talk to a financial adviser.
Put it away for school or buy a house just dont spend it all in one place
....Give me some?
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