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Feb 1

Tips For New Home Buyers

Posted on Tuesday, February 1, 2011 in Real Estate

What is a pre-approval letter, do I really need one and if so how do I get it? Whenever I mention pre-approval letters to anyone they are the questions that follow. You do not have to get a pre-approval letter to be able to look at most houses and not having one won't stop you buying, but it can slow the process down. The very first thing you need to do as a home buyer is be pre-qualified by mortgage lender. Especially in these changing economic times, there is a lot that goes into applying for a mortgage loan. Therefore, it is best to get pre-qualified long before you start looking at homes. Just because someone says they want to buy a house it doesn't mean that they actually can buy it. Having a letter of pre-approval will show the home owner, and their agent, that you are serious. There is nothing worse than spending time with the real estate equivalent of a tire kicker, being able to show that you have been in touch with your bank will be a huge point in your favor. While a letter of pre-approval is not a sure thing, having one will give you the ability to elbow anyone without one out of the way if you get into a situation where there are multiple interested parties all hoping to buy the same house. This may sound like a small benefit to have but in some negotiations that is all you need to win the home of your dreams. Speak to your personal bank and ask them if they have their own mortgage dept, if they do then arrange a meeting and explain that you are looking for a home and would like a pre-approval letter. They may ask a few details and ask to see some paperwork but there will be no charge normally, if there is a charge then you may want to speak to another potential lender. Looking for a Lakeland mortgage need not be difficult. Do not delay until the last minute to discover how easy it is to get pre-approved.http://www.floridamortgageblogger.com
Nov 6

Cobras

Posted on Friday, November 6, 2009 in Hobbies

The species of snake called the spitting cobra is very unusual as it not only has a poisonous bite but it also spits venom into the eyes of its prey and aggressors. Contact of this venom with your eyes is very painful and can even blind you temporarily, therefore, if you get cobra venom in your eyes, irrigate them with water at once in order to prevent permanent tissue damage. The King Cobra, Ophiophagus hannah, also distinguishes itself in this large family of snakes (elapids) by the fact that it feeds almost entirely on other snakes with mice and small birds also falling prey to its venom. The King Cobra is also unique because of its size - it can reach 5.85m (almost 20 feet) in length, which makes it the longest poisonous snake in the world. The latest discovery of a new species of cobra was made in 2003 when it was identified by London Zoo as part of an illegal shipment of exotic pets. According to DNA studies this new species of snake is similar to the red spitting cobra but different in terms of genes. It appears to have originated in an area between Sudan and Egypt, and it was given the name of the 'Nubian Spitting Cobra'. Though highly dangerous when it is threatened cobras will not attack if you leave them alone, although the spit is very accurate for about two meters. Compared to the strike of a rattlesnake, the cobra is fairly slow in its attack and furthermore, many bites prove to be blank, that is without venom. According to a study conducted on Malaysian cobra snake victims only 55% of the bites involved venom release and the same statistics indicate a mortality rate of 10% for people bitten, since the toxins injected into the blood of the prey destroy the nerves (neurotoxin) , which induces respiratory failure half an hour after being bitten, giving you 30 minutes to get help. Their colouration varies from light green-grey to black, although juveniles are yellow and black banded.This snake is widespread throughout south-eastern Asia. Interested in the Cobras? To learn more about snakes visit Caring for Snakes our brand-new web site.