Things To Know Before You Buy A House
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A final walk-through is an opportunity to view the property before it becomes yours. This is your last chance to view the home, ask questions and address any outstanding issues before the house becomes your responsibility.
4. Think about commitment. I'm not talking just about your mortgage. When you get married, the laws of your state generally determine how your assets are treated - and ultimately how they're distributed at divorce. The same rules don't necessarily apply when you're not married. That means you need to think long term. When you buy a house with your significant other who is not your spouse, make sure you have an exit plan if things don't go the way you hope. It's a good idea to have an agreement in place with respect to titling, mortgage payments and liability, repairs and the like: it's best to get it in writing (and yes, I'd recommend getting a lawyer).
6. Buy the house you know that you can afford. This can be different from the price that your mortgage company believes that you can afford. When my husband and I bought our first house, we were approved for a mortgage of about three times more than we ultimately ended up spending. Fresh out of law school and working for established firms, our finances looked good on paper. But we dialed back our expectations because we weren't convinced that our income and expenses would remain at those levels. We were right: two years later, we started our own business just as the economy turned south. The less expensive house meant that we could still make our payments even with less income in pocket. So what's the best ratio to use? Some lenders suggest that you can afford mortgage payments totaling about 1/3 of your gross income but others suggest closer to 28% for housing related costs including mortgage, insurance and taxes. There are a number of factors including your projected income, interest rates, type of mortgage and the market. Ask your mortgage broker to help you understand what's in play.
Buying a house can take as little as a few days if you're buying in cash, or can take years if you're counting the amount of time it takes you to save money for a down payment and decide where to live. In a competitive housing market, you may put in multiple offers on homes before one is accepted. Conversely, mounting worry over a housing recession could lead more sellers to pull their homes from the market, making it more difficult to find a suitable property. If you already have your money saved and have a good idea of the neighborhoods and type of home you want, the process will probably take you two to six months. Ask a local real estate agent for a more accurate timeline based on your local market conditions.
To make sound decisions, you should know the pros and cons of a condo vs. a house. More buyers will end up disappointed when picking a condo because they do not understand the ramifications of how restrictive they can be or how quickly fees can change.
Understand you are not just buying a home but a location as well. One of the key considerations that many buyers miss when purchasing a home is knowing how to pick a neighborhood they will love. Often first-time buyers focus too much on the house and not enough on the area.
If you plan on doing any repair work yourself, it is crucial that you know of asbestos and take proper precautions if it is present. For obvious reasons, understanding if there is asbestos is something to know before buying a home.
About the Author: The above Real Estate information on the 20 things to do before buying a house was provided by Bill Gassett, a Nationally recognized leader in his field. Bill can be reached via email at billgassett@remaxexec.com or by phone at 508-625-0191. Bill has helped people move in and out of Metrowest towns for the last 37+ Years.
When it comes to renting, surprises don't require much emotional investment. The rent goes up? You can move. The fridge is on the fritz? The landlord will send someone over. Home ownership is a bit more hands-on. If the toilet breaks, it's time to start reading Yelp reviews. And if property taxes unexpectedly rise, it's on you to appeal or pay up."My homeowners association fee doubled in the first year I owned my condominium," says Celmins. "Then my real estate taxes were reassessed. My mortgage payment went up and I panicked. I didn't even know that could happen."Of course, having the financial flexibility to cover those unexpected things is important, but don't overlook the importance of having the mental and emotional capability of dealing with them responsibly when they arise. Everything could be peachy for months, and then three maintenance issues might spring up in the same week. Stress management and problem solving skills are home ownership biggies.
Before shopping for a piece of land, you should develop a general idea of where you'd like to make a purchase. You can go for an exploratory drive and use online resources to help you. For example, if you're buying a few acres of land to build a house you'll likely want to consider things like access to schools, your job, grocery shopping and restaurants. (Later we'll delve into specific land concerns.)
Finally, remember that utilities and building costs will be expensive. In some cases, you may have to pay to have electricity and water run to your house before you even begin monthly service fees. On some land, you'll have to drill a well or install a septic system before home construction. If you're buying a piece of land as an investment, you'll bypass quite a few of those headaches.
Land destined to be built on or sold is typically carved up into smaller parcels that make up subdivisions. The land in a subdivision likely already has some restrictions placed upon it that you'll want to know about before buying. If the vacant lot you're eying is in the middle of an already developed community, chances are good that a homeowner's association governs that area. Homeowner's associations command membership fees and set the rules for behavior and decorum in the area. Following their rules could dictate how frequently you cut your grass, where you park your car or even what kind of pets you have [source: Christensen].
More important, however, is the issue of access. A public road obviously guarantees a route to a vacant lot at all times. But when private roads enter into the equation, things get complicated. If your property is landlocked, the typical solution is to make an arrangement with a neighbor for guaranteed access via a private road through their land, known as an easement. We'll discuss this next.
In most cases, it's smart to consult a real estate lawyer when negotiating an easement. Even if you get along well with your neighbor, drawing up official documentation will allow you to lay out the terms of the agreement and protect yourself from liability [source: Schleiffarth]. If your neighbor isn't too agreeable about negotiating an easement, things can get tricky. You may be able to sue to establish a "way of necessity," meaning you'll have to prove in court that you require an easement on a neighbor's property for access. You may also be able to sue for an easement based on prior use, if it's clear that the previous owners had access to a neighbor's property before you purchased the land [source: VacantLandInfo]. If there's any legal involvement, be smart and hire a real estate lawyer.
Once you've safely determined that your future house won't be underwater the next time a big storm blows through, there's only one last hurdle to crest before you're ready to own a brand new piece of property: bureaucracy.
It's a sad fact of real estate life: Just about everything you build is going to require a building permit. You'll have to deal with government zoning before starting construction, and obtain permits for building, permits for burning, and permits for, well, the list goes on and on. Yes, it's a hassle, but permits aren't necessarily bad news. After all, remember that restrictive covenants protect you from the nasty habits of your neighbors even as they restrict you. Construction permits help protect the land and keep you honest to building codes, and those building codes ensure you can't haphazardly build a structure that's going to collapse on itself like a house of cards.
Before meeting with a mortgage lender, use an online mortgage affordability calculator to estimate how much house you can afford. Once you know what your home purchase price range will be, you can then gauge how much to save for your down payment and closing costs.
Only you can decide which property is right for you. Make sure you see plenty of homes before you decide which one you want to make an offer on. Like much of the home buying process, you can do a great deal of your house hunting online.
Buying a house is an exciting time, to be sure. In all that excitement, some things may fall through the cracks, and you may not remember what to do before you get down to the business of actually buying the house.
Most houses have hairline cracks, which simply indicate that the house is settling as it ages, but large gaps signal a bigger issue with the house foundation, says Gamble. Other tipoffs: sticking doors or windows, visible cracks above window frames, and sloping floors. How do you know if the floors are uneven? Bring a marble or golf ball in your pocket and when you have the chance, set it on the floor and see if it rolls.
Another one of the most important things to look for when buying a house? Take a second to pull back the curtains to check for lopsided frames, and then give the windows a try. Open a few up, to make sure they slide easily. Windows that get jammed in the frames could be a sign of foundation issues, as noted above, or just poor installation.
You don't have to pay cash for a rental property. If you qualify for a mortgage and have at least 20% cash to put down on a home you'll be using for rental income, you can own a rental property while making payments on it."}},{"@type": "Question","name": "Will I pay tax on the rental income I own?","acceptedAnswer": {"@type": "Answer","text": "You will pay federal tax on rental income and report it just as you report other income on your income tax return. There are currently nine states that don't have an income tax, and therefore you wouldn't pay tax on rental income there: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming."}},{"@type": "Question","name": "Can I use my primary home for a rental property?","acceptedAnswer": {"@type": "Answer","text": "In most cases you can turn the home you're living in now into a rental property, but you'll need to check a few things first. Check with your mortgage company to see what, if any, restrictions it has. For some home loans, you must live in the home full time for at least a year before you rent it out. Check with your homeowner's association, if you have one, to make sure it's not against the rules to turn your home into a rental."}}]}]}] .cls-1{fill:#999}.cls-6{fill:#6d6e71} Skip to contentThe BalanceSearchSearchPlease fill out this field.SearchSearchPlease fill out this field.BudgetingBudgeting Budgeting Calculator Financial Planning Managing Your Debt Best Budgeting Apps View All InvestingInvesting Find an Advisor Stocks Retirement Planning Cryptocurrency Best Online Stock Brokers Best Investment Apps View All MortgagesMortgages Homeowner Guide First-Time Homebuyers Home Financing Managing Your Loan Mortgage Refinancing Using Your Home Equity Today's Mortgage Rates View All EconomicsEconomics US Economy Economic Terms Unemployment Fiscal Policy Monetary Policy View All BankingBanking Banking Basics Compound Interest Calculator Best Savings Account Interest Rates Best CD Rates Best Banks for Checking Accounts Best Personal Loans Best Auto Loan Rates View All Small BusinessSmall Business Entrepreneurship Business Banking Business Financing Business Taxes Business Tools Becoming an Owner Operations & Success View All Career PlanningCareer Planning Finding a Job Getting a Raise Work Benefits Top Jobs Cover Letters Resumes View All MoreMore Credit Cards Insurance Taxes Credit Reports & Scores Loans Personal Stories About UsAbout Us The Balance Financial Review Board Diversity & Inclusion Pledge View All Follow Us Budgeting Budgeting Calculator Financial Planning Managing Your Debt Best Budgeting Apps Investing Find an Advisor Stocks Retirement Planning Cryptocurrency Best Online Stock Brokers Best Investment Apps Mortgages Homeowner Guide First-Time Homebuyers Home Financing Managing Your Loan Mortgage Refinancing Using Your Home Equity Today's Mortgage Rates Economics US Economy Economic Terms Unemployment Fiscal Policy Monetary Policy Banking Banking Basics Compound Interest Calculator Best Savings Account Interest Rates Best CD Rates Best Banks for Checking Accounts Best Personal Loans Best Auto Loan Rates Small Business Entrepreneurship Business Banking Business Financing Business Taxes Business Tools Becoming an Owner Operations & Success Career Planning Finding a Job Getting a Raise Work Benefits Top Jobs Cover Letters Resumes More Credit Cards Insurance Taxes Credit Reports & Scores Loans Financial Terms Dictionary About Us The Balance Financial Review Board Diversity & Inclusion Pledge InvestingAssets & Markets Real Estate InvestingWhat to Know Before Buying a Rental PropertyEvaluate the risks and returns of owning a rental property 781b155fdc
Bermain togel online memerlukan ketelitian dalam memilih situs tempat bermain. Hindari situs tanpa lisensi atau dengan reputasi buruk. Pastikan platform memiliki sistem keamanan tinggi dan layanan pelanggan yang responsif. Pemain juga disarankan mencari situs dengan hasil keluaran transparan. Banyak komunitas togel menyarankan Dewatogel karena sudah terbukti memberikan layanan terbaik serta hasil undian yang jujur dari pasaran resmi dunia.
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MMOexp Lineage 2M: How to Shadowstrike Through Antharas Awakening
Lineage 2M, NCSoft’s expansive mobile MMORPG, offers players a rich world full of sprawling dungeons, massive PvP conflicts, and Lineage 2M Diamonds terrifying world bosses. One of the most legendary foes in the game is Antharas, the Earth Dragon. In "Shadowstrike of the Antharas Awakening," players must prepare to face this titanic creature while mastering one of the game’s most lethal rogue-style abilities — Shadowstrike. This guide walks you through building for Shadowstrike and defeating Antharas in his awakened form.
Understanding the Shadowstrike Skill
Shadowstrike is a high-damage assassination ability used primarily by dagger-wielding classes such as Treasure Hunter or Abyss Walker. It’s designed for quick burst damage and mobility, ideal for both PvE boss fights and PvP ambushes.
Skill Traits:
Type: Active Melee Skill
Effect: Deals massive critical damage from stealth or behind the target
Bonus: Increased crit rate and chance to ignore defense
Cooldown: Moderate (requires precise timing)
Shadowstrike excels when combined with speed boosts, evasion, and stealth mechanics, allowing you to slip past guards or raid bosses’ AoEs for pinpoint lethal strikes.
Building the Shadowstrike Assassin
To maximize Shadowstrike’s potential, you need to optimize your character for speed, precision, and critical output.
Class Path
Start: Rogue
Advanced: Treasure Hunter / Abyss Walker
Specialization: Choose abilities that boost crit rate, evasion, and stealth duration.
Key Stats to Prioritize:
DEX (Dexterity): Increases accuracy and evasion
STR (Strength): Boosts melee damage and critical power
AGI (Agility): Reduces cooldowns and increases attack speed
Recommended Gear:
Weapon: Dual Daggers or Enhanced Assassin’s Blade
Armor: Light armor sets with evasion, speed, and crit bonuses (e.g., Phantom Set)
Accessories: Crit rings, evasion earrings, and cooldown reduction pendants
Enchantments: Focus on crit rate, movement speed, and backstab damage
Preparing for the Antharas Awakening Raid
Antharas, the Earth Dragon, is one of the mightiest world bosses in Lineage 2M. He awakens periodically and requires a full alliance raid or a highly-coordinated party to bring down. His mechanics challenge even veteran players.
Entry Requirements:
Character level 55+ recommended
Gear enhancement level +6 or higher
Access to the Dragon Valley Cave – Core Chamber
Time-limited event participation (Antharas Awakening events are typically scheduled weekly)
Antharas Awakening Boss Mechanics
Antharas uses a combination of AoE earth magic, tail swipes, summons, and rage phases. Knowing his patterns is critical for survival.
Phase 1: Earth Shockwaves
Antharas uses wide-range ground slams.
Spread out to minimize damage stacking.
Melee DPS should flank the rear and sides.
Phase 2: Stone Summons
He summons golems to protect him.
DPS should quickly clear adds to avoid overwhelming support roles.
Shadowstrike users can burst down casters or healers among the mobs.
Phase 3: Rage Awakening
At 30% HP, Antharas becomes enraged.
Increased damage and faster attack patterns.
He uses Roar of Destruction, which can one-shot undergeared players.
Shadowstrike Strategy vs. Antharas
Using Shadowstrike effectively during the Antharas fight requires both timing and stealth mobility.
Before Combat:
Use stealth abilities to close the gap safely.
Coordinate with your tank to avoid aggroing Antharas prematurely.
Activate buffs and cooldown reduction potions.
During Combat:
Circle around to Antharas’ back and wait for a moment when he’s not performing AoEs.
Use Shadowstrike when your crit chance is boosted (via buffs or class passives).
After attacking, immediately disengage to avoid retaliation — use skills like Evasion Roll or Shadow Retreat.
Mob Control:
During the Stone Summons phase, switch targets and use Shadowstrike to snipe high-priority mobs (casters or healers).
Shadowstrike’s burst makes it ideal for deleting low-HP mobs instantly.
Team Coordination Tips
Assign Shadowstrike users to flank Antharas and handle rear-side DPS responsibilities.
Tanks must maintain threat while leaving the back clear for assassins to operate.
Healers should prioritize movement-based healing to support mobile DPS like Shadowstrikers.
Voice or in-game chat is essential to coordinate AoE avoidance and burst damage phases.
Loot and Rewards
Defeating Antharas offers high-end loot including:
Earth Dragon Jewelry (rare accessories)
Dragon Scale Fragments (used for crafting)
Unique Dagger Blueprints
Antharas Rune Crystals (enhance Earth-elemental resistances and skills)
Shadowstrike assassins especially benefit from the Antharas Cloak, which boosts critical damage from behind and improves stealth duration.
Final Thoughts
In Lineage 2M: Shadowstrike of the Antharas Awakening, mastering both a deadly assassin build and one of the game’s most dangerous bosses offers a uniquely satisfying experience. Shadowstrike brings high-risk, high-reward gameplay, and when paired with strategic movement and precision, it can turn the tide of the battle.
Antharas may be a colossal threat, but with the right build, smart tactics, and a well-prepared team, even the mightiest dragon can fall to the blade of a silent killer.
So sharpen your daggers, step from the shadows, and cheap Lineage 2M Diamonds let the Earth Dragon feel the sting of your Shadowstrike.
MMOexp Dune: Awakening – Vortex of the Reaper
In Dune: Awakening, survival on the unforgiving sands of Arrakis demands more than brute strength—it requires harnessing the environment itself. Among the most devastating abilities is the Sandstorm Reaper’s Wrath, a skill that Dune Awakening Solari summons a swirling tempest of sand to devastate foes while crippling their combat effectiveness. This guide will walk you through everything you need to know to wield this fearsome power like a true desert master.
What is Sandstorm Reaper’s Wrath?
The Sandstorm Reaper’s Wrath is a powerful area-of-effect skill that envelops your character in a raging sandstorm. This storm continuously damages enemies caught within its radius and applies crippling debuffs, such as reduced enemy defense and impaired accuracy. Unlike straightforward attacks, this skill uses the harsh desert environment to your advantage, turning sand and wind into lethal weapons.
When Should You Use It?
This ability shines in several key combat scenarios:
Clearing Groups of Enemies: Its persistent AoE damage is ideal for thinning out swarms of weaker opponents before they close in.
Boss Battles: Though slower than direct damage skills, the debuffs it inflicts can significantly soften bosses, amplifying damage from your allies.
Defensive Retreats: When surrounded or needing to create space, activating this sandstorm provides a defensive barrier that discourages enemy advances.
Unlocking and Enhancing the Skill
To gain access to Sandstorm Reaper’s Wrath, focus on the Desert Ascendancy skill tree, emphasizing environmental and elemental mastery. Investing skill points into related sandstorm and wind synergy talents will increase the skill’s duration, damage, and debuff potency.
Upgrades typically improve:
Damage Output: Raises the continuous AoE damage.
Debuff Effects: Strengthens the reduction of enemy defense and accuracy.
Duration: Extends how long the sandstorm lasts.
Cooldown: Shortens the wait time between uses.
Tips for Effective Use
Position Yourself Wisely
Since the skill affects an area around you, avoid standing directly in the middle of aggressive enemies, especially melee fighters. Instead, stay on the edges of groups to maximize damage while reducing your exposure.
Team Coordination
The Sandstorm Reaper’s Wrath pairs well with teammates who can exploit weakened enemies. Coordinate your sandstorm bursts with ally damage spikes or crowd control to quickly dismantle enemy forces.
Mobility is Key
While powerful, the sandstorm slightly limits your movement. Use mobility or defensive skills in tandem to maintain battlefield control and avoid becoming an easy target.
Manage Your Resources
Activating the skill consumes a hefty amount of stamina or energy. Plan your resource usage carefully, using potions or cooldowns to replenish and ensure you can repeatedly unleash the sandstorm when needed.
Ideal Builds
For players looking to maximize this skill, consider builds that emphasize:
Elemental Mastery: Boosts all sand and wind-based effects, enhancing damage and debuffs.
Survivability: Invest in defensive talents to withstand counterattacks while in the sandstorm.
Cooldown Reduction: Enables more frequent activation, keeping pressure on enemies.
Recommended Gear
Equip items that increase environmental damage, prolong sandstorm duration, or reduce cooldown times:
Sandstorm Amulets: Enhance the skill’s damage and duration.
Desert Raider Armor: Grants extra resistance when sandstorm skills are active.
Windblade Weapons: Amplify wind and sand elemental attacks.
Avoid These Common Pitfalls
Using the Skill Alone: Without team support, you may leave yourself vulnerable during and after the sandstorm.
Poor Positioning: Getting too close to enemies with strong melee attacks can quickly end your sandstorm dominance.
Ignoring Cooldowns: Failure to manage cooldowns might leave you unable to deploy the skill when it’s most crucial.
PvP Strategy
In PvP, the Sandstorm Reaper’s Wrath can disrupt enemy formations and control the battlefield. Use it to control choke points, break enemy lines, and create openings for your team. To be effective, vary your timing and combine the skill with evasive maneuvers, as opponents will try to dodge or interrupt it.
Final Thoughts
Mastering the Sandstorm Reaper’s Wrath elevates your combat prowess on Arrakis. By understanding its mechanics, building the right character setup, and Dune Awakening Items for sale applying smart tactics, you can wield the desert’s fury to dominate foes in both PvE and PvP. Harness the power of the sandstorm—and turn the deadly desert winds against your enemies.
RSgoldfast RuneScape: Mastering the God Wars Boss Nex
Nex, the Ancient Summoner, stands as one of RuneScape’s most iconic and RuneScape gold challenging boss fights. Located deep within the God Wars Dungeon, Nex tests your combat skills, reflexes, and teamwork like few others. Whether you’re venturing into this battle solo or with a group, mastering Nex will grant you access to some of the game’s most rewarding loot and a truly epic experience.
This guide breaks down the essential strategies, gear recommendations, and tactics you’ll need to conquer Nex’s wrath and emerge victorious.
Who is Nex? Understanding the Boss and the Battle
Nex is a powerful Zarosian general who commands formidable forces within the God Wars Dungeon. The fight itself is divided into four distinct phases, each introducing new mechanics, minions, and attack patterns. Recognizing these phases and adapting quickly is key to success.
Essential Preparation: Gear and Supplies
Being properly equipped is crucial when facing Nex’s deadly powers. Below are recommendations to help you maximize your damage while staying alive.
Recommended Gear
Weapons: High damage melee weapons like the Abyssal Bludgeon or Noxious Scythe work best.
Armor: Choose heavy-hitting defensive gear such as Torva for melee users or Seasinger for magic users.
Accessories: Equip offensive amulets like the Amulet of Torture, and rings such as the Ring of Vigour or an imbued Berserker ring.
Boots & Cape: Prioritize boots like Primordial boots and capes like the Fire cape or Infernal cape to boost survivability and damage.
Inventory Essentials
Stat-boosting potions like Super Combat potions.
Healing items such as Sharks, Rocktails, and Saradomin brews.
Prayer renewal potions to maintain your protection prayers.
Utility items such as Antifire potions and Stamina potions.
Weapon poisons or bleed-inducing items for extra damage over time.
Breaking Down Nex’s Four Phases
Each phase introduces unique threats and requires different tactics.
Phase 1: Smoke Phase
In this phase, Nex creates hazardous smoke clouds that explode on contact. You must avoid standing inside these clouds while dealing damage from a safe distance. Watch for the Smoke Tendrils attack and maneuver accordingly to minimize damage.
Phase 2: Shadow Phase
Nex summons shadow minions that sap your stats, making the fight more dangerous. Quick elimination of these minions is crucial. Keep an eye on your status and counteract with anti-poison and stat-boosting prayers.
Phase 3: Blood Phase
This phase emphasizes Nex’s healing through blood tendrils, which players must sever promptly. Avoid blood pools that can trap you and coordinate with teammates to efficiently cut tendrils and prevent Nex from regenerating health.
Phase 4: Ice Phase
The final phase sees Nex using freezing attacks that immobilize players. Destroy the Ice Tendrils quickly to free trapped allies and use freedom abilities to break immobilization. Nex’s aggression increases here, so staying alert is critical.
Combat Strategies and Tips
Prayer and Defensive Abilities
Use Protect from Melee against Nex’s melee strikes.
Switch prayers between Protect from Magic or Protect from Ranged depending on her current attack style.
Offensive prayers like Piety or Augury boost your damage output.
Employ debuffs such as Debilitate to reduce the damage Nex deals.
Use freedom abilities to escape tendrils and immobilizing effects.
Movement and Positioning
Constant movement helps you avoid smoke, blood, shadow, and ice hazards.
Use safe spots to maximize your DPS while minimizing risk.
Stay aware of tendrils and pools, moving swiftly to prevent damage or status effects.
Team Roles and Communication
In group fights, assigning roles such as tendril cutters, damage dealers, and healers improves efficiency. Clear communication about tendril status and phase changes keeps everyone coordinated and alive.
Rewards and Why Nex is Worth It
Defeating Nex grants access to some of RuneScape’s most sought-after items, including:
Zaryte bow
Various pieces of Torva, Pernix, and Virtus armor
Unique Nex drops with high value and powerful stats
These rewards make the demanding fight worthwhile and pave the way for even greater challenges.
Final Thoughts
Nex, the Ancient Summoner, is a thrilling and demanding boss that pushes your RuneScape skills to the limit. With the right preparation, understanding of mechanics, and teamwork, you can overcome her wrath and claim the treasures she guards.
Step into the God Wars Dungeon with confidence, master each phase, and cheap OSRS GP prove yourself worthy of Nex’s legendary rewards!
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