Your First Home: The Smart Way to Get It and Keep It
In Your First Home: The Smart Way to Get It and Keep It, Lynnette Khalfani-Cox, The Money Coach, offers a no-hype personal finance guide that will help you prepare for, find and finance the home of your dreams - and not lose it to foreclosure. For those worried about making the leap from renter to owner, Lynnette explains how to turn bad credit into perfect credit, in seven simple steps. She also offers scores of tips on how to manage money and save cash - even if you've never been able to budget. Best of all, Lynnette walks you step-by-step through the house-hunting and mortgage application process, saving you time, money and unnecessary frustration. In Your First Home, renters will learn: * The secrets to getting approved for a mortgage loan - even if you have bad credit, no savings or down payment, a small salary or big debts * Where to get up to $40,000 in free grants for a down payment and closing costs * How to pick a great real estate agent, home appraiser, and attorney * The special account guaranteed to triple your savings in one year * Strategies to negotiate the best price for a home, avoid predatory lenders and obtain a good mortgage After reading Your First Home, homeowners will learn: * How to keep your home - and avoid foreclosure - if you face financial troubles after you buy a house * Unexpected sources that will pay your mortgage if you can't * Dos and don'ts of refinancing your mortgage * What no one ever tells you about home equity loans * The "Seven Commandments" of successful homeownership * How to manage and grow the equity in your home * Financial planning strategies and tax tips available only to homeowners Homeownership isn't a right. It's a major responsibility. Your First Home offers a realistic look at the entire life cycle of being a homeowner - with all its joys and pains.
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Invicta Men's 8938 Pro Diver Collection Gold-Tone Watch
Classically styled for the sporty gentleman, this gold-tone Invicta stainless steel men's watch travels easily between professional environs and weekend adventures. It features water resistance to 200 meters (660 feet), which is suitable for recreational diving, and a stylish unidirectional rotating bezel with black engraved elapsed time markings. The white dial includes Tritnite luminous dotted markers and stylized hands (with seconds hand), small minute indexes, and a date window at 3 o'clock. Other features include a handsome gold-tone stainless steel bracelet band with a fold-over safety clasp, anti-reflective mineral crystal, and Japanese quartz movement.Pro Diver Collection Plunge into any horizon using the steadfast guidance of the Invicta Pro Diver. Stylishly classic, internal workings are forged with variations of either Swiss chronograph or 21-jewel automatic movements and willingly navigate in depths up to 300 meters. Built with confident prowess, the fortitude with which these timepieces function makes the Pro Diver the quintessential in performance. Screw Down Crowns: Many Invicta watches are equipped with a screw down crown to help prevent water infiltration. This is most common on our Diver models. In order to adjust the date and/or time on such a watch, you must first unscrew the crown before you can gently pull it out to its first or second click stop position. To do this, simply rotate the crown counterclockwise until it springs open. When you have finished setting the watch, the crown must then be pushed in and screwed back in tightly. Not doing so will cancel the water resistance of the watch and will void all warranties from the manufacturer. Overall, this process should not require a lot of effort or force.
Quality Japanese-quartz movement
Case diameter: 40 mm
Yellow-gold-plated-Stainless-steel case; white dial; date function
Water resistant to 660 feet (200 M): suitable for recreational scuba diving