What preparation should a home-buyer have in place before proceeding to the home buying process?
1. STEADY EMPLOYMENT- This should be in the same occupation in the last two years. 2. ACCEPTABLE CREDIT SCORE - This should be 580 and above for FHA and 620 and above for conventional loans. Pay bills off and or repair credit to achieve the score that you desire. 3. KNOW YOUR BUDGET - Banks only consider your debt to income ratio not your lifestyle and other obligations so you may not want to max out your loan. 4. HAVE LOAN DOCUMENTS HANDY - Bank statements, w-2's, tax statements and other applicable financial documents for the last two years. 5. VERIFIABLE DOWN PAYMENT AND CLOSING COST - This should be 5 to 25 percent of possible Loan amount. 6. Get Pre-Approved for a loan - This will let you know how much you qualify for and what your payments will be for that loan amount but it is not a guarantee of the loan since it is a soft approval. 5. Location Location Location - Have an idea of the area that you want to live in with price in mind.
What is the difference between fashion and style.
Fashion is all about what is trending, what is currently new and hot in the stores, what's new on the runway, what they are wearing on the red carpet, and what the seasons new colors or designs and what are they selling to the public. It is the external side of the fashion industry. Style is all internal because it is a personal choice and all about who you are and how you express yourself through your own wardrobe. It does not necessarily include what is trending, it can be a mix of new trends and old ones or some type of personal signature look, but based on personality, body type, color, fit and combination of clothing choices, one can be very fashion forward in style or a fashion faux. Style should be organic and complimentary to ones personality, a blend of a personality and fashion choice and one does not stand out above the other. One can also be very fashion forward and change with the trends and still be very stylish as well because it compliments them.
How would you handle a mothers separation anxiety when dropping of her child at school for the first time?
I would reassure her that she has made the right choice in schools and that she can trust her instincts and decisions. I would empathize with her about how natural it is to feel nervous about her child's care and safety as well as her child's emotional well-being with the new experience especially when the child is so young. I would encourage her to stay for as long as she wants to observe her child's interactions with the teacher and the other students until she feels comfortable, but from a distance where the child does not notice her so that the interactions can be organic. I would let her know that she is welcome to call back to check to see how her child is doing and that I will address all her concerns with the best practices of the school establishment. I would either inform her in person or write a note on the child's progress for the day when mother returns for pick up but keep it simple.