What To Look For In A HomeWritten by Nicole Soltau
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Routine and emergency maintenance issues are an inevitable part of homeownership. The dishwasher will need to be replaced, roof may begin to leak, or furnace will give out. You can minimize financial fallout by planning ahead and budgeting in anticipation of these expenses. Recommendations vary, but you would do well to save an amount equal to at least 2% of cost of your home for annual upkeep and maintenance. Set aside funds toward this amount each month. In this way you will eliminate scramble and panic of getting funds together to get that tree off of your roof.
In addition to maintenance and upkeep, there may be other costs you will need to absorb. These include water, sewer and sanitation expense; homeowner's insurance, and property taxes. It is important to understand full cost of home ownership before you sign on dotted line. You can build confidence in your ability to handle these new expenses by making a trial run. Do your best to estimate total cost of home ownership. Use that information to make a budget. Before you sign on dotted line, live within that new budget and see how well you manage. You may find that you have adequate financial resources, that's great. If you find that you are a bit short, you may need to make some adjustments. Being proactive now may help you avoid foreclosure in future.
Nicole Soltau is the President and Founder of http://CreditUnionRate.com - The Leading Credit Union Directory Search, Find Join.
JAPANíS GOVERMENT-A brief summaryWritten by Sumbaz
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The Japanese Patent Office examines and approves (or rejects) patent applications for four kinds of industrial properties: inventions, utility models, design patents and trade marks, so by protecting those intellectual property rights. Japan was first country in world to computerize patent application system. This Office also provides technical information, including advice on patents not yet being used, in order to stimulate industrialists to create new businesses! Of all Japanese industrial and business entities, 99% are small and medium-sized, and their employees represent 78% of Japanese work force. The Small and Medium Enterprise Agency serves to improve business environment of these enterprises and to stimulate their creativity and agility.
JAPANíS GOVERMENT-A brief summary