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Buying a home can seem like an intimidating process, but that is only true if you do not have the requisite knowledge to handle the process like a pro. This article contains numerous tips that will help you successfully navigate the home buying process. Follow these tips and you will soon own the house of your dreams!

Get pre-qualified for your mortgage before heading out to look at the market. A good lender will help steer you away from making a decision that you won’t be able to afford. They will look at your income, debt, and the state of the market to help make recommendations for just how much house you should be looking for.

Read the fine print before signing a mortgage through the loan company. Some companies will charge fees for closing costs or private mortgage insurance, which will increase your mortgage payment. You should also check to see if there are any penalties involved if you decide to move within a certain time period.

Purchasing a home is a big decision and a large investment. To make sure you know all there is to know, consider a course in home buying. Many local real estate offices offer these classes as ways to educate potential clients about the process from beginning to end.

When thinking about buying a home, don’t just settle for the first house you see. Look at multiple homes. Research and find information and photos for potential home purchases. Be sure to attend open houses as well to get an up close view of the house and its amenities.

If possible, buy a home close to your family. Living near family members means that you will have extra help and guidance, particularly if you have young children in your home. Not only will you save on travel costs and babysitters, you will be flooded with a wealth of emotional support.

If you are trying to buy real estate on a budget, take a look into foreclosures. With the housing market and economy both in shambles today, you can often find phenomenal deals on property because of foreclosures. These homes can then even be turned around and sold at good profits later.

If the neighborhood of the house you want to buy is bad, don’t go for it. It could make it harder to sell the home if you decide to later on. Location is everything and even if the home is a great deal, it would be better to buy a home in a nice neighborhood.

To make sure you buy a safe house, pay close attention to the walls on the inside and the outside. Look for any cracks or signs of dampness. This could indicate that the house is built on foundations that cannot support it or on a wet ground. If this is the case, you will need to pay for major repairs.

Not everything you can do to increase the value of your real estate can help save your life however building a survival bunker can. Apart from the benefit from having an underground survival bunker to the appeal of your house on the market but it can provide you and your family a safe place to go in an emergency.

Make a list of the features of the home that you want that are must have options. Once you do that, make up a list of things that you would like to have. Do this prior to shopping for a home and you will save time and money looking at homes that do not have what you are looking for.

When buying a home after a previous home has foreclosed, you may be asked for a larger down payment. In many cases this is usually around twenty percent. The larger a down payment you can put on a new home the lower the interest rate is going to be for your loan.

When looking to buy a home, try not to focus too much on one specific area. Be open to looking at property that is located fairly close to your target area because that will make a lot more options available to you and increase your chances of finding something you like.

Before buying a home you should do a check to see how many sex offenders live in the area. The realtor or agent you deal with is not required to do a check for sex offenders so it would be in your best interest to conduct a search on yourown.

Leave no stone unturned when searching for your new home, in order to gain maximum exposure to real estate bargains. In addition to using the services of a real estate agent, you can do your own research by browsing online real estate listings. Often, you can find free printed real estate booklets which provide a huge amount of listings. These booklets are typically located just outside the main entrances of supermarkets and are usually updated monthly.

Pay attention to the landscaping of any home that you are interested in buying. Maintaining the property’s outdoor areas can be very time-consuming and expensive. Make sure that you have the resources that you need to be able to properly care for these areas, or you may be in for a surprise after you close on the house.

Know that it is possible, when negotiating, that you could have the seller cover your closing costs. It could be a risky maneuver, but it could help you in terms of what you would have to bring to the table at the time of closing. If this does not work, you could also look into having your mortgage include your closing costs.

Lastly, you may want to check to see what programs are offered in your state. For instance, New York first time home buyer programs can help reduce the amount you’ll need for a down payment and may also provide lower interest rates for home buyers.

As was stated in the introduction, buying a home can seem very stressful, but only if you do not know what you are doing. If you follow the advice in this article, you’ll soon be able to buy the home of your dreams. Don’t stress. Just follow the helpful tips in this article.

GeoBlue, a leader and thought leader servicing the health-related demands of retirees and worldwide travelers, reported immediately that it has launched the first i phone app for locating and paying for superior quality healthcare services around the globe. GeoBlue Mobile is already accessible in the i-tunes Application Store for downloading it onto iPhones, iPads and iPod touches. From the palm of his or her hands, GeoBlue insurance plan customers easily utilize the down-loadable application to:

* Review detailed profiles of carefully selected English-speaking physicians and dentists in 180 countries
* Contact GeoBlue’s concierge service to request an appointment with a specific doctor or within a medical specialty
* Plug into iPhone’s mapping and GPS functionality to find the shortest route to convenient care
* Present a digital identification card directly to doctors and hospitals as confirmation of their eligibility for benefits.

GeoBlue Mobile also maps and profiles notable hospitals and pharmacies and provides brand name equivalents for over 350 prescription and over-the-counter medications. To help users describe and understand symptoms, diagnoses and treatment plans, GeoBlue Mobile has built-in translation tools with audio allowing users to play hundreds of key medical terms and phrases in the world’s most widely spoken languages.

Requiring no Internet connection when taken abroad, GeoBlue Mobile is exceptionally fast and easy to use with convenient functionality to save favorites or recall recent searches. With an Internet connection, travelers can also go directly from the app to the Blue National Doctor and Hospital Finder mobile web site to find providers inside the U.S. GeoBlue Mobile was developed and is maintained by HTH Worldwide, the global leader in mobile technology for destination health services.

“Today GeoBlue sets a new industry standard for member convenience and value with the deployment of the global downloadable application,” said Angelo Masciantonio, Chief Executive Officer of GeoBlue. “No other international health plan can place access to a world of quality health care literally in its members’ hands.”

About GeoBlue

GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. Setting the industry standard, GeoBlue’s mission is to provide peace of mind to long- and short-term global travelers by offering competitive insurance protection and technology-powered assistance, including an elite community of thousands of carefully selected, contracted doctors and hospitals in almost every country in the world as well as its signature destination databases, mobile tools and concierge-level services. The scope of GeoBlue’s services and technology creates a complete, reliable, convenient way to keep international travelers and expats healthy and productive.

A written report released only recently from the Governors Highway Safety Association (GHSA) explains that the amount of 16- and 17-year-old driver deaths in passenger vehicles increased slightly for the first six months of 2011, based on preliminary data supplied by all 50 states and the District of Columbia. Overall, 16- and 17-year-old driver deaths increased from 190 to 211 – an 11 percent increase. If the trend continued for the second half of 2011, it will mark the end of eight consecutive years of collective reductions in deaths involving this age group.

The new report – the first state-by-state look at teen fatalities in 2011 – was completed by Dr. Allan Williams, a researcher who formerly served as chief scientist at the Insurance Institute for Highway Safety. Dr. Williams surveyed GHSA members, who reported fatality numbers for every state and D.C. The report comes as the National Highway Traffic Safety Administration (NHTSA) has released a statistical projection suggesting that total motor vehicle deaths for the first six months of 2011 declined 0.9 percent.

Deaths of 16-year-old drivers increased from 80 to 93 (16 percent) while the number for 17-year-olds went from 110 to 118 (7 percent), a cumulative increase of 11 percent. Twenty-three states reported increases, 19 had decreases, and eight states and the District of Columbia reported no change. While the changes in state-by-state fatality numbers generally are small, states such as Florida, Texas and North Carolina reported significant increases.

Dr. Williams attributes much of the increase to the fact that the benefit of state Graduated Driver Licensing (GDL) laws may be leveling off, as most of these laws have been in place for some time. Additionally, Dr. Williams speculates that improving economic conditions are contributing to an increase in teen driving, thus increasing their exposure to risk of traffic collisions. Dr. Williams notes, “While it is not a surprise that these numbers are stabilizing or slightly increasing, states should not accept these deaths as something that cannot be prevented. More work can and should be done to save teen lives.”

Troy E. Costales, Chairman of GHSA, pointed out, “While it is good news that overall deaths appear to have declined during the first six months of 2011, we are concerned that the trend with teens is going in the opposite direction,” He continued, “As the report notes, a widespread strengthening of laws is still possible and finding effective tools outside of GDL is an important goal. These include improving driver education and involving parents in proactively establishing safe driving habits for their teens.”

Chairman Costales acknowledged, “As the parent of a young driver and a soon-to-be-driver, I know firsthand the pressures parents face in allowing their teens behind the wheel. As parents, we must set and enforce strict rules for our new drivers, making sure risks are minimized. This includes limiting other teens in the car, limiting nighttime driving and absolutely prohibiting any type of cell phone or electronic device use while driving.”

Barbara Harsha, Executive Director of GHSA, said states could use federal support to save more teen lives. “As part of the upcoming highway reauthorization bill, Congress should provide financial incentives to states that have strengthened or will strengthen teen driving laws. Additionally, Congress should provide adequate funding so that NHTSA can research and support demonstration projects to determine the most effective ways to increase teen seat belt use and compliance with GDL laws. Congress also should fund NHTSA and the states to carry out distracted driving campaigns aimed at teen drivers,” Harsha added, “Research also needs to be done to determine the impact of changing school start times so that teens are less likely to be driving fatigued.”

The full report, including state-by-state data, is available online at www.ghsa.org.

The Governors Highway Safety Association (GHSA) is a nonprofit association representing the highway safety offices of states, territories, the District of Columbia and Puerto Rico. GHSA provides leadership and representation for the states and territories to improve traffic safety, influence national policy, enhance program management and promote best practices. Its members are appointed by their Governors to administer federal and state highway safety funds and implement state highway safety plans.

Windsor Advantage, LLC, a leading lender service provider to banks participating in Small Business Administration (SBA) loan programs, has achieved real success in 2011, by not only increasing profitability but also by creating or preserving more than 2,000 jobs and by assisting its bank clients in providing SBA loans to nearly 100 small businesses across the country.

Shawn Andrews, Managing Director of Windsor stated, “The SBA enables banks to offer borrowers the loans they need to increase productivity, hire employees and benefit their local communities. This partnership with the SBA will ultimately provide the foundation for the next generation of entrepreneurs and innovation in the US. We at Windsor are proud to be part of the solution by allowing our bank clients to participate profitability in this great program.”

In 2011, Windsor Advantage achieved its best year to date, generating over 84 million dollars in successfully completed transactions. This achievement is built on 150 years of collective experience working with SBA small business lending programs and a commitment to industry compliance as evidenced by Windsor’s recent SOC 1 Type 2 certification. From offices in Chicago, Los Angeles, Boston, Charlotte, Kansas City and the corporate headquarters in Indianapolis, the Windsor Advantage team is poised to become the nation’s preeminent SBA lender service provider.

To meet the demands of its growing business, Windsor Advantage made a significant investment in human capital, hiring five new professional staff members last year. Windsor’s internal success in 2011 also resulted in meaningful growth for the United States economy. In partnership with its bank clients, Windsor helped to create or preserve over two thousand US jobs. Windsor has also played a pivotal role in the growth of the nearly 100 US small businesses represented in the loans closed and serviced by the company on behalf of its bank clients.

The responsible and real growth of Windsor Advantage in 2011 is a significant achievement that is made more significant by the company’s success in job creation and preservation and in facilitating the flow of invaluable financial support to small businesses across the country. This is what makes Windsor Advantage a progressive industry leader.

Windsor Advantage provides a comprehensive outsourced SBA department solution to banks across the country. Services include application packaging, loans closing and compliance, secondary market sales, loan servicing and regulatory exam support. Windsor also provides continuing training and technical assistance to banks at no cost. With more than 150 years of collective SBA lending experience, cutting edge systems and rigid controls, Windsor Advantage is uniquely qualified to support its clients to develop and execute a thoughtful and profitable SBA 7(a) loan program.

Bass, Berry & Sims PLC is pleased to declare the addition of John Kelly, a former top U.S. Department of Justice official, as a partner in the firm’s Compliance and Government Investigations Practice.

Mr. Kelly will automatically be the handling partner with the company’s brand new Washington, D.C. office. He has extensive experience with complex federal and state investigations and Litigation matters related to healthcare fraud and abuse, the False Claims Act, white collar crime, the Foreign Corrupt Practices Act, and regulatory and compliance issues.

Mr. Kelly joins Bass Berry following a recognized track record of service as a criminal law attorney with the Department of Justice, and subsequently as a partner at Fulbright & Jaworski LLP. During his tenure at DOJ, Mr. Kelly supervised investigations and prosecutions in a broad range of healthcare fraud actions nationwide, including criminal law violations of the Anti-Kickback Statute, the False Claims Act, wire and insurance fraud, and anti-money laundering. He served in several prestigious positions including Assistant Chief for Health Care Fraud of the Criminal Division’s Fraud Section, and he led the Los Angeles Medicare Fraud Strike Force. He also served as Chief of Staff and Deputy Director of the Executive Office for U.S. Attorneys, where he worked closely with senior leadership within the 94 U.S. Attorneys’ Offices, the Department of Justice, and various federal agencies including HHS-OIG, FBI, and DEA.

“With increasingly significant regulatory and enforcement activity having such direct impact on our clients and the healthcare industry, we saw no better time than now to establish a presence in Washington, DC,” said Keith Simmons, Managing Partner of Bass, Berry & Sims PLC. “We are most fortunate to have John at the helm. He is deservedly regarded as one of the most capable healthcare fraud enforcement and compliance lawyers in the profession.

“The best way to build a practice in Washington is by recruiting the best lawyers in Washington, those who are firmly established and recognized in the marketplace,” added Mr. Simmons. “John brings an insider’s knowledge of the Beltway that will have a direct and beneficial impact on our clients who are so directly affected by legislative and regulatory decisions made at the federal level.”

“It is an honor to now be a part of this prestigious law firm,” said Kelly. “I particularly welcome the opportunity to build on Bass, Berry & Sims’ stellar client base and grow its Compliance and Government Investigations Practice here in Washington.”

About Bass, Berry & Sims

Originating from a affluent heritage in capital markets activity in the southeast, the firm’s more than 200 attorneys now represent more than 40 public companies and have developed a national healthcare practice from Nashville, the hub of for-profit healthcare. Bass, Berry & Sims has distinguished itself for service to healthcare clients at every level, including service to hospitals, health systems, pharmaceutical companies and outpatient service providers. The healthcare practice, which includes an interdisciplinary team of more than 100 attorneys, provides unsurpassed depth in government investigations and enforcement, compliance, regulatory and operational matters, mergers and acquisitions, and joint ventures and syndications.

Sol Systems, LLC and Cooley LLP are proud to announce a webinar series on bankable solar contracts for solar installers, developers and investors. Each webinar in the series will lead participants through key terms and issues of a different contract and will provide an opportunity for Q&A. The webinars will be hosted by Sol Systems’ CEO, Yuri Horwitz, Cooley Clean Energy and Technologies group attorneys and guest panelists.

The webinar series is a complement to the strategic collaboration announced by Sol Systems and Cooley last fall. Through this collaboration, Cooley developed a suite of legal e-documents and tailored consulting services for Sol Systems’ SolMarket users. SolMarket is a transaction-driven community that facilitates solar project origination and investment and currently has more than $1.7 billion in aggregate partnership funds. Members of the SolMarket community have access to this network of business funding as well as transaction and financial resources. SolMarket members can view and utilize Cooley’s form legal templates as well as request direct consultations with Cooley attorneys.

“The Cooley collaboration and our suite of legal templates are critical to our overarching goal of driving efficiencies and uniformity into the solar space,” announced Horwitz. “Cooley and Sol Systems are focused on connecting a fragmented solar industry and helping solar companies operate more efficiently.”

“This collaboration with Sol Systems is part of Cooley’s deep commitment to the innovative delivery of legal services and business insight in the clean energy and technology space,” noted Cooley Partner Tom Amis, co-chair of the firm’s Clean Energy and Technologies practice. “SolMarket is rapidly becoming a go-to resource for some of the most exciting and ambitious players in the solar and clean energy space, from across the United States and further afield.”

Webinar Series Schedule

* Wednesday, February 15, 2012 at 12:30 pm EDT: Engineering, Procurement and Construction (EPC) Agreements Register
* Wednesday, February 29 at 12:30 pm EDT: Power Purchase Agreements (PPAs) Register
* Wednesday, March 14 at 12:30 pm EDT: Securing Site Control Register
* Wednesday, March 28 at 12:30 pm EDT: Developing a Solar Lease Register

Questions regarding the webinars should be directed to info@solmarket.com and interested participants can sign up by visiting solmarket.com/events.

About Cooley LLP

Cooley’s 650 attorneys located throughout the U.S. and in China have an entrepreneurial spirit and deep, substantive experience, and are committed to solving clients’ most challenging legal matters. From small business with big ideas to international enterprises with diverse legal needs, Cooley has the breadth of legal resources to enable companies of all sizes to seize opportunities in today’s global marketplace. The firm represents clients across a broad array of dynamic industry sectors, including technology, life sciences, venture capital, clean energy, real estate and retail.

Cooley Clean Energy and Technologies group attorneys have been singularly focused on the renewable energy sector for over a decade. Cooley’s comprehensive strength throughout the clean energy value chain, from emerging cleantech startups to utility and refinery scale deployment, is unique among law firms and provides a compelling value proposition for our clients.

About SolMarket

SolMarket is a transaction-driven ecosystem for the solar industry that catalyzes investment in solar energy by transforming how solar projects are financed. SolMarket provides investors and developers with the tools they need to efficiently originate, evaluate, finance, and construct renewable energy projects. SolMarket has over $1.7 billion in committed partnership funds seeking qualified solar projects and hundreds of users from the solar community. SolMarket is a wholly owned subsidiary of Sol Systems.

About Sol Systems

Sol Systems, LLC is a Washington D.C. based solar finance firm, and the largest solar renewable energy credit (SREC) aggregator in the nation. Through its SREC offerings, it has promoted the development of the solar market by providing long-term business financing options for SRECs, facilitating over $100 million in solar development.

The Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) is providing a reward as high as $2,500 for information and facts which results in the criminal arrest and conviction of the individual or persons liable with regard to the Jan. 23, 2012, break-in and attempted arson of the Tipsy Toad Tavern, located at 609 W. Western Ave., in Muskegon.

In addition to the ATF reward, the Muskegon Police Department is offering an additional $500 for information leading to the arrest and conviction of the individual responsible for the break-in and attempted arson.

“Arson can have a devastating effect on our community. We need the public’s help to solve this crime,” replied David McCain, special agent in charge of the ATF Detroit Field Division. “ATF and the Muskegon Police Department will continue working together toward our goal of a successful prosecution in the investigation.”

ATF and the Muskegon Police Department are seeking the public’s assistance in identifying the individuals responsible. Anyone who may have noticed a drunk driver on January 23, or with any information is encouraged to call the Muskegon Police Department at 231/724-6750 or Silent Observer at 231/72CRIME (231/722-7463). Callers can likewise telephone the ATF Grand Rapids Field Office at 616/301-6100 or ATF at 1-888-ATF-FIRE (1-888-283-3473).

The U.S. Small Business Administration is reminding local companies that Mar. 8 is the submission deadline pertaining to federal economic injury disaster loans available in Appling, Candler, Emanuel, Evans, Liberty, Long, Tattnall, Toombs and Wayne counties in Georgia. The SBA declared a disaster because of excessive rain, high winds and a hail storm on March 26 – 28, 2011.

“When the Secretary of Agriculture issues a disaster declaration to help farmers recover from damages and losses to crops, the Small Business Administration issues a declaration to eligible entities affected by the same disaster,” said Frank Skaggs, director of SBA’s Field Operations Center East.

Under this declaration, the SBA’s Economic Injury Disaster Loan program is available to eligible farm-related and nonfarm-related entities that suffered financial losses as a direct result of this disaster. With the exception of aquaculture enterprises, SBA cannot provide disaster loans to agricultural producers, farmers, or ranchers.

The small business funding can be up to $2 million with a 4 percent interest rate for eligible small businesses and 3 percent for non-profit organizations with terms up to 30 years. The SBA determines eligibility based on the size of the applicant, type of activity and its financial resources. small business loan amounts and terms are set by the SBA and are based on each applicant’s financial condition. These SBA small business loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. The loans are not intended to replace lost sales or profits.

Disaster loan information and application forms may be obtained by calling the SBA’s Customer Service Center at 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing) or by sending an email to disastercustomerservice@sba.gov. Loan applications can be downloaded from the SBA’s website at www.sba.gov.

Medizone International, Inc., the company behind the AJIC peer-reviewed disinfection technology AsepticSure, released at present that it has now finalized National patent application filings of its fairly recently approved lead patent application (Canadian Patent No 2735739). These filings apply to the United States, Mexico, Brazil, China, Japan, Korea, Singapore, the 37 countries of the European Patent Organization, Great Britain, India and Australia.

AsepticSure’s clinically proven efficacy against a vast spectrum of pathogenic bacteria, fungi, spores and viruses clears the way for its use in large-scale reductions of hospital acquired infections in surgical centers, long-term care facilities and hospitals around the world.

It’s also the only green disinfection technology on the planet that has consistently demonstrated in peer-reviewed research, an unprecedented 100% kill-rate with formidable pathogens such as C-difficile, MRSA, E coli, Pseudomonas aeruginous and VRE, the root sources of superbug infections – on both hard and soft surfaces – and without the need to remove, cover or protect the treated room’s contents.

Medizone‘s lead patent was granted on November 22, 2011 by the Canadian Intellectual Property Office for processes and systems relating to the platform technology. The Company considers this an extraordinarily strong foundational patent as it covers both the science and technology of AsepticSure.

Medizone Board Chairman and CEO, Edwin Marshall added, “Shareholders should also be delighted to know that our patent attorneys have recently received a most favorable report from the Patent Cooperation Treaty Examiners on both the Bed Bug Application and our Bio-Terrorism Countermeasures Application for dealing with weaponized pathogens for building remediation following an attack.

“To quote, ‘The way forward to an international, favorable patentability opinion on each case seems to be clear. In no case has the examiner found any prior art of which we were not previously aware. In respect of the Anthrax case and the Bed Bugs case, there are no pertinent prior art references at all. All claims in both cases are ruled to possess both novelty and inventive step, so that they can proceed without further amendment or argument.’”

Marshall concluded, “As Medizone’s AsepticSure technology moves closer to becoming the International Standard for Disinfection of enclosed spaces, the significance of these patents to shareholder value moving forward should prove immense. It’s a great time to be involved with this Company.”

Valentine’s Day is the most romantic day of the year, and if you have ever tried to make dining reservations for a particular date, you recognize it’s also amongst the busiest dining out days of the year. It might be almost impossible to obtain a table. And, just how romantic can it be when you’re surrounded by a crowded restaurant full of strangers?

To be honest, there’s also an other option.

With eMeals’ special Valentine’s Day Dinner for Two, you and your sweetie can enjoy a delicious, home-cooked meal in the privacy of your own home without the prying eyes of onlookers. Show your love by taking the time to prepare this scrumptious meal, complete with dessert, for your Valentine. Or, prepare the meal together for a fun and flirtatious cooking experience.

“There’s no better way to show someone how much you care than by cooking a delicious meal just for them, and with our special Valentine’s Day Dinner Menu, it couldn’t be easier,” said Jane DeLaney, founder of eMeals.com. “We take the worry out of what to prepare and give you the step-by-step instructions and ingredients you need so that you can focus on the romance and not stress out over the food.”

Related to eMeals.com

eMeals.com has been the market leader in online meal planning since 2003, providing a simple and affordable dinnertime solution to hundreds of thousands of busy people everywhere. The eMeals team constructs and publishes more than 30 delicious meal plans and corresponding grocery lists every week based on food style preferences, family size and the current sales at selected grocery stores. Dinner menu plans include classic family meals, low-fat, portion control, low-carb, gluten-free, vegetarian recipes and the new natural and organic plan.