Fabulous News For First Time Home Buyers

What fabulous news for first home buyers, a whopping $21,000 towards deposit, expenses or even new furniture if you buy a brand new home before June 2009. So if you’re ready to take the plunge and sign up for what is likely to be the biggest commitment you’ve ever made, now, more than ever, seems to be the perfect time to get into the property market as a first home buyer. Even though your friends and family will be full of advice, as with any major decision in our lives, it’s always good to take their experiences and opinions on board, however your own research will give you peace of mind and assurance, before you sign up for the big purchase and possibly sign your life away to the mortgage company.Generally, most first home buyers already have an idea on the location and the type of home they want, so now it’s just a matter of finding out whether you can afford what you want to buy. Almost all the major banks and other lenders offer special packages with reduced application fees and lower interest specifically for First Home Buyers. With the help of some comprehensive search engines, shopping around not only for a home loan, but a property is almost as easy as 1 – 2 – 3, so jump on the internet and let your fingers do all the work for you. It’s important to remember that the bank can’t lend you all the money to buy your first home. As a first home buyer, at least a small part of your deposit will have to come from your own savings or alternatively a gift from your relatives. Once you find the right home loan, apply for a pre-approval. This can be done either online or in person. A pre-approval is the bank’s preliminary approval subject to an acceptable property. You will need to provide a completed application form along with requirements such as your identification, income evidence and savings (gift) verification. Once the bank is satisfied that you’re an acceptable first home buyer, they will issue a pre-approval and you can start shopping around for your first home.So when and how do I apply for a First Home Owner Grant? The First Home Owner Grant is only available to Australian residents and citizens, so before you apply you should contact your state revenue office, alternatively visit their respective website for more information. If you satisfy all the first home buyer criteria and conditions, there are two ways you can apply for your first home owner grant. If you apply for your first home owner grant via your bank, you’re likely to receive the grant at settlement, so on the day you officially become a home owner. If you apply for the grant directly with the state revenue office, the grant is not likely to come through until after the settlement. The best way is to keep in regular contact with the lending manager of your chosen bank. Remember, they help first home buyers every day and are the best source of information and guidance, so don’t be afraid to call them if you have a question, after all, they’re here to help you.

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Bee Pollen And Nutrition – The Nutritional Benefits of Bee Pollen And Why You Should Be Interested

You may wonder why bee pollen and nutrition are mentioned together, and why should you be interested.Chances are that you live in a country like the US, UK or Australia where for most people food is readily available.In fact, we are told that there is an obesity epidemic in these countries!However, studies have shown that many people in these countries are actually malnourished, and that is a possible contributor to obesity.This doesn’t make sense does it?Defining nutritionFirst I think we should define nutrition, what it is, and why we should be interested.Nutrition is defined as the way which a living person absorbs food and uses it for growth and cell replacement, or to put it in simple English, the process of eating the right kind of food so you can grow properly and be healthy.Lack of nutrition or malnutrition can lead to many of the chronic diseases found today.There are many causes of this malnutrition but the main contenders are:- soil which is deficient in nutrients caused by the widespread use of chemicals since the end ofWW2 (1945) causing vitamin deficiencies in the food grown that soil,
- foodstuffs transported around the world and stored for long periods which depletes essential vitamins,
- over processed foods which have plenty of calories but little nutritional value,
- overuse of many medical drugs,
- pollution,
- chemicals in general.It is interesting to note that our parents and grandparents were generally healthier than us, and what they called “food” is known to us today as “organic food”.Bee Pollen And NutritionEven if you consider that you’re eating habits are healthy and it is generally agreed that fruits and many vegetables today contain less nutrients than they did 50 years ago.One food expert has stated that it would take 8 oranges to provide the same amount of Vitamin C as one orange provided 50 years ago.The sad reality is that it is necessary to supplement the modern diet in order to receive sufficient nutrition for the body, so rather than gamble with your health perhaps you should consider taking a bee pollen supplement for your possible lack of nutrition.Bee pollen nutrition supplementBee pollen is dense with vitamins, minerals, enzymes – in fact all the building blocks of a healthy body. It is known as nature’s most complete food.A pollen supplement will at the same time improve your metabolism, control your weight, improve your immune system, increase energy and stamina and many other benefits – too many to list in this short article.Finding the best bee pollen nutrition supplementFinding the best supplement is very important if you wish to gain the maximum benefits from this superfood.The best source will not only provide pure supplements from a controlled and unpolluted environment but will also be manufactured to pharmaceutical standards, which means that you can be assured of getting the bee pollen nutrition health benefits that you are looking for.