Play the violin like Stephane Grappelli

Footage of Stephane Grappelli and Django Reinhardt playing in the 1930s is a very rare piece of video, one of the few cinematic recordings of the Hot Club De France (Django Reinhardt and Stephane Grappelli’s original swing jazz band). The song is J’Attendrai (I Will Wait), a popular tune of the day and is played in the ‘Hot’ Jazz style. This is the only example where the audio and video match, so what you’re seeing is actually playing.

So what do I love about this clip?

Stephane’s playing is confident, rich, sweet and a bit cheeky! Even when she’s sitting on a bed smoking, she can play with amazing intonation and tone. What’s interesting is to see how her technique has developed over the years, if you look at later footage of his playing he seems more relaxed with a loose, almost ‘folklore’ feel. In this clip, recorded sometime in the 1930s, you can see that he still employs a more “classical” or at least a little more traditional technique (probably from a few years earlier when he was learning to play the violin). .

So what makes Grappelli and this clip so great?

His intonation (tuning) is impressive, I don’t think I’ve ever heard him play out of tune (no seriously, he’s that good), he has developed the most amazing ear for intonation, all the way down to his musical development (which we will come to later). Look closely at his left hand, his elbow is below the violin, wrist and right hand straight with the right hand tilted slightly forward and the fingers of the right hand on the fingerboard coming down over the strings at the fingertips . The right hand and thumb are relaxed at all times. Without this it is nothing.

The bow arm is equally impressive, at 3.17 you can see the level of the elbow and left hand and wrist, particularly as it goes to the heel of the bow. Like her left wrist, her right is loose and flexible. Watch how he uses the entire bow as well (later, he often stays in the upper third), putting the bow on the string before playing a note. Not to mention the syncopated free swing feel he gets, but that’s another lesson!

Another feature of Grappelli’s playing that I love is the sweet vibrato he gets, particularly on the high notes, you can see it coming from the hand and arm and it’s short and fast, just bringing out the sweetness of the instrument.

The lick he does in 2.07, right at the end of the main melody, is fantastic. I’ve been trying to play it in my own band Hot Club for years! It’s a combination of syncopation, slides, pull offs, flair and incredible Jazz insight that has me stumped.

How did it become this?

The formula for becoming so good shouldn’t come as a surprise, it requires an incredible amount of practice and effort! However, I think in summary it all comes down to these 5 simple factors that anyone can do:

1) Practice, practice and more practice: Grappelli started out busking in Paris, busking for money and then when he was old enough he moved on to jazz bands, film bands, jazz clubs and campfires with Django , sometimes touching everything. night. They say you need to practice for 10,000 hours before you become a genius with an instrument, I think he must have done it easily in his youth.

2) Listening/watching and copying: In his biography he mentions many times that he saw, received advice/lessons and listened to many other musicians, not only jazz but also classical music, and copied what he saw.

3) Have some lessons – it’s really obvious but it helps! I think he studied at the Paris conservatory for a while.

4) Learn some piano – this would certainly help with your intonation and understanding of chords/keys with your Jazz improvisation.

5) Listening to music – He would have been surrounded by jazz music and classical music at the time, this meant he knew the music he was playing before attempting to play it himself. This is crucial to develop intonation and also focus on the 20% you need to improve (80/20 principle) when practicing anything.

So I hope this gives you a little taste of Grappelli, I’ll write a bit more about him on my website as he’s a huge inspiration. Remember to download some fun violin sheet music with mp3 backing tracks here –


How to find an internet marketing company that offers the best SEO services

If you’re running a business in today’s competitive marketplace, it’s no secret to you that the Internet plays a vital role in the success of your brand. But while most entrepreneurs and business managers know the theory behind online marketing, many of them don’t have the time or technical knowledge to put it into practice.

If you’re looking to build or improve your brand’s online reputation, the best place to start is by outsourcing to an internet marketing agency that can use their knowledge of SEO, internet branding and social media management to help drive more traffic to you. your website and encourages browsers to become customers.

If you’re not familiar with the terminology, don’t worry, an Internet marketing specialist will be able to help recommend the best solution for your business. But, in simple terms, SEO stands for search engine optimization: a term that describes the process of getting your web page to the top of free search engine results.

There are several ways to accomplish this, including keyword research and analysis, landing page optimization, SEO content writing, link building, and social media to name a few. A professional SEO service aims to improve the overall user experience of your website, as well as drive targeted traffic to your website.

An internet marketing company can do all of this for you, helping you build your Google page and create links to your page from other relevant web pages or influential blogs. But in terms of hiring the right company for the job, how do you know what to look for?

The best place to find an SEO service is online, using your Google search engine. The results will present you with a list of businesses in your area and those that operate globally. Look for those with high rankings, but spend some time considering your options – you don’t have to hire the first agency you land on.

Thanks to the nature of the internet, you won’t need to find a local business in your area to get help with your online marketing, since most consultants work remotely. This means that they have a global reach of clients, so they will likely work with large and small companies around the world.

Some agencies will display a portfolio or list of their clients online; however, it’s quite unusual for them to disclose all of this information, so don’t worry if you can’t see a list of existing customers on their website. It probably means that those companies want to remain private.

However, one thing you can check out online is their reviews and testimonials, as well as a list of any awards or accreditations they might have received. This will give you an idea of ​​their reputation and what they have accomplished for previous or existing clients before hiring them to help improve your business.

Look for a company that offers a turnkey approach, as this means you’ll be able to choose the services that best suit your business requirements and budget. This way, whether you’re looking for a completely new website design or a simple social media strategy, you’ll get a fully customized approach that meets your unique business needs.

Lastly, be sure to find an agency that offers a free estimate, as some will charge you for it. Some websites will have a simple form for you to fill out that will automatically generate a quote for you using just a few simple details. You will probably need to enter your website details, as well as your monthly budget and the services you need.

This Glasgow bathroom company provided a remarkable makeover

We had a clear idea of ​​what we were looking for in terms of the actual design and style of items like the bathtub, sink, and shower enclosure, but we weren’t sure which company to choose. We opted for a local Glasgow bathroom company in Uddingston who had a great reputation for creating affordable yet high quality bathrooms. We did some research and luckily ran into one of the company’s recent customers who told us to call them right away as the service and final product he received was second to none. He couldn’t praise them enough.

I contacted the company the next day and we made an appointment for the consultant to visit. Thursday was on time as were his workers and he spent time with us going over every detail and actually came up with some great ideas that we decided to implement like routing some of the plumbing under the floor for a cleaner, more uncluttered look. . and opt for a completely different shaped shower enclosure. We had already chosen our tiles, but the consultant also gave us some ideas on how they should be laid out, which I have to say turned out to be an excellent decision.

The finished item was excellent, we love the new modern look and the luxurious choice of tiles to complement everything. We chose a fairly large angular tub and sink with square-style faucets and a bespoke ceiling with subtle lighting, plus a beautiful infinity mirror. The whole job was a smashing success and the cost was well worth it, I would have happily paid much more for the same effect, that’s how delighted we were with the overall service from this company. 100% satisfaction from us.

Spanish ceramic or porcelain tiles, taps, electric or single-lever shower, screen, washbasin, furniture and W/C as well as state-of-the-art ceilings.

We offer a complete, tidy and stress-free installation by highly experienced bathroom fitters, no matter where you live in Glasgow or Lanarkshire.

Design Experts In Glasgow – If you’re sick and tired of your old 80’s style and want to upgrade to a modern, modern and functional bathroom or kitchen you can be proud of, then a simple call is all it takes to start the process of enjoying a beautiful new room you really want at a price you can afford.

Will your retirement savings survive longevity and long-term care?

By the time you turn 40, you should have resources set aside for your future retirement. Planning for a successful future retirement requires some effort. It would be best if you use your employer’s 401(k) option. If your employer doesn’t offer a 401(k), 403(b), or defined pension program, you should make an effort to save money in an IRA. If you are self-employed, you must open a SEP account. However, planning does not end with saving money.

What happens when your health changes due to prolonged illness, accident, or just the impact of aging? As you get older, these health risks increase substantially. Will your retirement plan survive longevity?

Retirement planning for long-term care has become a top priority for many Generation Xers and Baby Boomers. Many people ages 40 to 70 have personally dealt with the impact of long-term health care with a parent or other loved one.

The problem is that too many people forget to protect those retirement funds from the high costs of long-term care. The financial costs and burdens of aging will affect you, your family, your savings, and your lifestyle.

You will experience changes in your health, body, and mind increasing your need for long-term care. Caring is a challenge for your family. Relying on your children to be the caregivers is not a good plan. They have or will have their own careers, families and responsibilities. It’s not that they don’t love you, but having a son or a daughter or an in-law as a caregiver is stressful. It can also affect their health and careers.

Spouses are also not a good option for caregiving. As you get older, so will they. They will also have to deal with their own age and health problems.

Paid care depletes your assets and negatively affects your income and lifestyle. According to the LTC NEWS Cost of Care Calculator (, the cost of long-term care services and supports continues to rise. Even significant savings can be negatively affected.

The current national average cost of home care, based on a 44-hour week, is nearly $4,500 per month. Basic costs for assisted living facilities start at $4,300 per month plus surcharges based on your needs. Skilled care in a nursing home averages $8,900 a month, more than $100,000 a year. The cost of long-term care services increases over time.

Many people incorrectly assume that Medicare will pay for any future long-term care needs. Health insurance, Medicare, and supplements only pay for a limited amount of specialty services, and only if you’re getting better. These insurance options do not cover the costs of custodial services, which help with activities of daily living. However, most people require custody services as they get older.

While most long-term care occurs when we’re older, people of all ages require long-term care. Early-onset dementia, including Alzheimer’s disease, the best-known form of dementia, can occur as early as age 30. Parkinson’s, multiple sclerosis, and even strokes occur at younger ages.

It is your good health today that gives you the opportunity to plan ahead.

Medicaid, the medical wellness program, can pay for long-term care, but it must be poor or end poor. For most people, this is something you want to avoid.

The fact is that the financial costs and burdens of aging will affect your savings and those of your family. Affordable long-term care insurance protects your assets and eases the burden that would otherwise fall on your family.

Although some think long-term care insurance is expensive, it’s actually very affordable for most people, especially if you plan ahead of retirement. Premiums can vary more than 100% between insurance companies.

If you are in reasonably good health, these policies can easily fit into most people’s budgets. The problem is that too many people are looking for a financial adviser or general insurance agent with little knowledge in this area. They often make recommendations that are too big or sometimes too small. Also, many of these professionals only work with one or two insurance companies. Since they don’t have a good understanding of how policies are used at the time of claim, their recommendations are out of line with what you may actually need.

In addition, 45 states offer Long-Term Care Partnership policies, which provide additional dollar-for-dollar asset protection.

There are several types of policies that are available in most states. These include traditional plans, association plans that provide additional asset protection, single premium ‘hybrid’ plans, which also offer a death benefit, and short-term plans that offer more extensive age and health requirements.

The key is to work with a Long Term Care Insurance specialist who works with all major insurance companies. I always ask lots of detailed questions to design an appropriate plan based on the client’s specific concerns and budget.

The cost of long-term care services varies from place to place. Most claims start with home care, and many people avoid a nursing home altogether, instead receiving appropriate care at home or in an assisted living facility. These costs are much less than specialized services in a nursing home.

Long-term care insurance will pay benefits at home, adult day care centers, assisted living facilities, memory care, and in traditional skilled nursing homes. With most policies, you and your family can decide how to use your benefits.

Does long-term care insurance work? Absolutely. In 2020, the major insurance companies paid more than $11.6 billion in benefits to American families. Otherwise, these families would have had to deplete their own assets to pay for care, have family members become caregivers, or both.

Since the policies are custom designed, you can decide what is important to you. The key is to plan before retirement. Long-term care insurance is not attractive. It doesn’t shine like a new car or a new piece of jewelry. You may not show your policy at a party. However, it will give you and your family peace of mind.

Working with a long-term care specialist will allow you to get the precise information you are looking for. Start your research in your 40s and 50s when you have the most affordable options.

The fact is, long-term care insurance is easy, affordable, and has a stable rate of income and asset protection.

How to generate traffic with marketing forums

In this article I am going to teach you how to generate targeted traffic using forums.

Forum marketing can be accomplished in five easy-to-follow steps.

1. Find the right forum for your market

It is really important that you know where your target market is located. Whatever your chosen niche, there will be a forum. If there isn’t, you may be in the wrong niche. Why would I say that? Because the competition is your friend. It shows that a market is healthy and hungry. People are willing to spend money in that niche to solve their problems.

If you don’t already know what the popular forums are for your niche, just google “your niche + forum” and a list of forums will appear in the search results.

2. Hang out on your niche forum

You need to know what questions people are asking. What problems do people have? In short, you need to know how you can add value.

You have to start getting involved and helping people. Answer people’s questions. DO NOT send them a link right away or try to sell to them. That’s the worst thing you can do and it’s spam to get kicked out.

3. Complete your signature

Most forums allow you to put a link in your signature. So you are not directly spamming or sending people a link. Just like writing articles, if you like the value and advice I give you, you can sign up for my list. But it’s not in your face. The choice is yours.

4. Write valuable posts and interesting thread topics

In addition to answering people’s questions directly, you can also start discussions or ask open-ended questions to get people to interact.

I like to write articles in forums. Brief informative and engaging training pieces that help people overcome a specific problem.

If you combine that with taking an interest in and helping people, it won’t be long before you start to get noticed for all the right reasons.

You will also start building your expert status at the same time. If you know what you’re talking about, of course.

However, the same goes for any other traffic generation strategy. It doesn’t take five minutes. Don’t expect to see immediate results. You need to focus on this strategy and give it a chance to start working.

5. Give and you shall receive

This is a very true statement in forum marketing. The more helpful and selfless you are, the more people will start to take an interest in you. They will start wanting to know more about you.

Now they ask me if I have a product, course or training that I can offer, so they can get more information. It’s a great feeling when people start reaching out to you instead of having to chase them down and almost force them to take a look at your sales page.

That is when you know that you are giving much more than what you are receiving and giving more value.

This of course is the way it should be.

Trends in silver jewelry that make moments unforgettable

Being fashionable focuses the jewelry and clothing trend, especially for teenage girls and this keeps them constantly refreshed. This ranges from popular friendship bracelets to statement necklaces to the latest trends in silver jewelry.

This is not alone, there are mixes of timeless sterling silver classics like the chunky silver bracelet with a charm and this is a style that never goes out of style. Important teen accessories also include stylish scarves, purses, bags and a cute compact mirror, for girls to ensure the perfect finishing touch.

Teenage girls’ tastes are not constant, so there is a collection of bracelets that includes fashion trends that are timeless classics that never go out of style. In fact, for casual days or nights out, there are always used or stacked bead bracelets or friendship bracelets, plus stunning sterling silver bracelets make lasting gifts worn for years to come.


Earrings can be neat and pretty for school and glamorous and stunning for nights out. Girls get their ears pierced when they are teenagers, particularly in their first step into adolescence, on their 13th birthday as a gift and start collecting earrings. Especially the sterling silver earrings are the preferred choice that teens love to wear.

Tip: It’s best to avoid using it overnight or during gameplay.


There is a large collection of necklaces that are fancy fashion jewelry that comes in sterling silver jewelry. The upside is that this jewelry trend is available on all budgets and suits all occasions. You can choose from quirky and daring designs with colorful nail polishes that even fashionistas would love to own. Elegant classic necklaces stand the test and present lasting appeal.


Silver can be personalized and is loved by teenagers and young children. Giving a silver is a special and unique memory. In addition to having the engraving makes it personalized. The gift to personalize can be anything, a silver pendant, a medallion or even a bracelet with the recipient’s name or even an initial. It makes the gift more meaningful. Engraved and gifted jewelry works wonders and staying connected is assured.

As a gift for children, silver jewelry may be appropriate if your little daughter has a bridesmaid role or has to appear as a flower girl this year. If so, give her pretty silver as a flower pin for her hair or her dress and create memorable memories. This makes you unforgettable and the event remarkably beautiful.

Silver can be a lovely gift for a newlywed couple. Remember to get something for everyone to share the love and enjoy. Before you buy, find a reliable jeweler and select from a selection of good quality brands. While gifting children, look for trendy silver jewelry styles for children.

3 Delicious No-Bake Desserts for Beginners

Desserts are essential when planning a menu. Whether you’re enjoying a simple meal at home with your family or serving a crowd at a party, a delicious dessert completes a meal. If you’re worried you haven’t tried baking sooner, don’t worry – these no-bake dessert recipes will make you look like a pro!

Lemon Berry Cheesecake Bites

What do you need:

  • 12 pieces of Lemon Oreos

  • 2 cups cream cheese, softened

  • 2 cups of heavy cream

  • 1/2 cup powdered sugar

  • 1/4 cup blueberry jam

  • 2 tablespoons lemon juice

  • 1 teaspoon lemon zest

  • 1 teaspoon vanilla extract

  • pinch of kosher salt

Beat cream cheese until smooth in a bowl. Add lemon juice, lemon zest, vanilla, and salt to the bowl. Beat the ingredients together. Slowly beat the heavy cream until the mixture is fluffy. Arrange the liners in a cupcake pan and place an Oreo in the bottom of each liner. Spoon cream cheese over Oreos and top with blueberries. Refrigerate at least 4 hours or until firm.

amazing banana pudding

What do you need:

  • 1 box vanilla pudding, prepared as directed

  • 1 banana, chopped

  • 1 1/2 cups crushed wafers, plus more wafers for serving

  • 1 cup cream cheese, softened

  • 1 cup whipped topping, divided

  • 1/4 cup powdered sugar

  • 1/2 teaspoon of pure vanilla extract

  • 1/4 teaspoon kosher salt

  • Banana slices to serve

Beat the cream cheese in a bowl until smooth, then whisk in the powdered sugar, vanilla extract, and salt. Add banana slices, prepared pudding, and half of the whipped topping. Beat until all ingredients are well combined. Transfer to a serving bowl and top with the remaining whipped topping, crushed wafers, and banana slices. Serve with whole wafers.

Easy Fresh Watermelon Cakes

What do you need:

  • 1 small watermelon

  • 2 cold whip glasses

  • melted chocolate to cover

  • rainbow nonpareils to cover

Cut the watermelon into 2-inch-thick slices, then cut the fruit into small slices with a cookie cutter (or it could be any shape you like). Arrange the shaped watermelon on a serving plate. Place a dollop of chilled whip on top of each watermelon, drizzle with melted chocolate, and top with rainbow matchless. Serve immediately.

If you don’t have the luxury of time to bake but want to enjoy delicious treats, don’t worry, you don’t have to be an expert baker to make the best desserts! These delicious no-bake desserts are all you need to satisfy everyone’s sweet tooth!

Ethical Inspiration – The value of integrity

Integrity- Noun; Firm adherence to a strict moral or ethical code; the state of being intact; solvency; the quality or condition of being whole or undivided; I complete it.

The date is January 16, 2009. The day after US Airways Flight 1549 pilot Chesley “Sully” Sullenberger of Danville, CA, maneuvered his crowded airliner over New York City and ditched it in the Hudson River, successfully. All 155 passengers and crew are safe and miraculously escaped serious injuries, really just bumps and bruises. The national media is full of first-hand reports and interviews with passengers, now all safe, warm and dry, along with their rescuers and safety experts describing the ordeal. NBC dubbed the accident “Miracle on the Hudson.”

Break now. Think of your values ​​as if you had to list and describe them. What are your core values? If you are like most people and organizations, integrity is high on your list of values. But what does this word mean, ‘integrity’ (perhaps the ultimate virtue)? What does it mean to you? How does your value for integrity manifest to others on a daily basis? How have you developed your integrity? How could I further develop this quality? Why does that matter?

For most of us, integrity means something like “do what you say you will” or “how you act when no one is looking.” These are good integrity tests, but they don’t really explain how integrity develops. The structural integrity of a building is defined as “the unwavering ability to safely withstand required loads.” The structural integrity of a person could be defined as “the unwavering ability to adequately resist challenges to virtue.” How do we develop this firm adherence to a strict moral code, this ‘healthy’ response to difficult circumstances?

Like most things we do well, integrity comes from practice. In fact, the proper way to refer to the quality of integrity as a human value would be “for practice integrity”. A person speaks and acts with integrity outside of practice. Integrity is the result of preparation and choice, when one has lived long enough to have recognized one’s innate ability to act on whim, whim, or selfishness in place of deeply held principles Integrity comes from training and increases with the quality, duration, and adherence to the intent of that training Integrity follows strong neural pathways, developed over time, that stimulate certain attitudes and habits, that produce Apparently instinctive right actions, but these actions are not based on animal instinct, right actions result from human desire and practice.

My favorite definition of values-based leadership is “authentic self-expression that adds value through relationships.” This includes relationships with both people and events. When self-expression begins to consistently add value over time, through every human encounter, through every decision and split-second reaction to events, then you have integrity.

Aspire to Integrity: Practice discerning what is right, saying you will do the right thing, how and why you will do it, and doing it whether or not someone else is paying attention.

You can bet that there are at least 154 people in this world who are grateful for the value that Chesley Sullenberger has added through their brief relationships. What do “Sully” Sullenberger and Flight 1549 have to do with integrity? Sullenberger is reportedly a US Air Force Academy graduate who flew F-4 fighter jets in the 1970s while in the Air Force. He started flying commercial planes in the 1980s. “It’s about making that plane with the exact precision with which it’s made,” says the hero’s wife-husband of hers. In addition to working for US Airways, he runs a security consulting firm focused on the psychology of keeping airline crews running in the face of a crisis. He has been an investigator for the National Transportation Safety Board. I understand he’s also certified to fly gliders, skills that surely helped land an Airbus A320 with both engines on fire in a controlled descent onto a near-frozen river rather than in the middle of a neighborhood in one of the most densely populated cities in the world. world.

Instinct didn’t take over as Sullenberger steered his jet into the icy waters of the Hudson, practice kicked in: the practice of integrity. This is a man who decided earlier in life that safety and human lives were important enough to him that he dedicated himself to preserving those ends. He trained, he studied, he learned day after day, year after year with those ends in mind. What once began as a pilot’s tenuous first flight, over 40 years of practice became an unconscious competency: the right attitudes, habits, decisions, actions and behavior to save lives in a crisis. .

Reflections to inspire personal growth in Integrity (with your learning partner)

How would your life be different if you practiced integrity with greater intention and consistency? What can you do daily to increase your integrity? What is your personal code of ethics; What must you change to demonstrate them more fully? Find an accountable partner or hire a coach to help you practice integrity and take these steps:

  • Integrity is the glue that unites your other virtualities. What are your other core values? Why these?
  • How do these values, together, define who you are, how you think and act, and how others see you?
  • What words and behaviors do other people see from you on a daily basis that demonstrate your values?
  • What purpose would you like to lead your life toward that you are willing to practice day after day, year after year, to be prepared for the chance event that may provide the ultimate test of your Integrity?
  • What specific attitudes, habits, and behaviors must you consistently practice to become the person of integrity you aspire to be?
  • Describe an experience or event where you were at your personal best and demonstrated integrity.
  • Describe a current situation in your life where, in your heart, you could apply the same level of integrity that you applied in the previous example.
  • Plan to check in with your learning partner in the next month about how each of you is practicing integrity. Hold each other accountable.

Wastewater Disposal BMP for a Mobile Dog Grooming Van Greywater Tank

Residual wash water from the mobile dog grooming salon is considered gray water and therefore needs to be managed properly to prevent groundwater contamination. There are soap and biological issues with this water and therefore this should be considered when designing a BMP operating procedures manual and best management practices for mobile groomers.

Why can’t I just drain my water in the gutter?

If you drain your wastewater into the sewer, you are breaking the law, since that water goes into a storm drain and into a river, stream, ocean, lake, or wildlife area. So you can’t do that, as you are most likely violating the NPDES permits for your city.

What I recommend is quite simple. Go to Wal-Mart or Sears/Kmart and buy a vacuum that sucks and pumps. They cost between $50.00 and $145.00 and this will help you with your own discharge to the sanitary sewer system.

You need to connect the vac to the drain plug on the wash water holding tank and then connect it to the other outlet of the vac using a hose and lead it into the house to your toilet, turn on the vac, open the drain and leave your the toilet floats down. This is a good BMP for your small dog grooming business.

You should also tell the local municipal police that this is what you are doing; he should be fine with that. I certainly hope this article is of interest and has prompted thought. The goal is simple; to help you in your quest to be the best in 2007. Thank you for reading my many articles on various topics that interest you.

A 5-Step Plan to Prepare to Buy a Home

Although owning your own home is often considered an important component of the so-called American Dream, wouldn’t it make sense to plan effectively to ensure this doesn’t turn into a nightmare? After more than fifteen years as a Licensed Real Estate Salesperson in New York State, I have created what I often refer to as RICH IDEAS to proceed wisely in terms of buying a home. With that in mind, this article will attempt to briefly consider, examine, review, and discuss a 5-step plan, in order to be adequately, effectively, and wisely prepared for this process and proceed accordingly.

1. Collect/accumulate sufficient funds, for a variety of requirements and needs: It’s smart to proceed, as well prepared as possible, from the start. Well, before you start looking for a house, start saving money systematically. Remember, you will not only need funds for a down payment (often, but not always, 20%), but also funds for other closing costs, including, but not limited to, prepaid real estate taxes, utilities, and other items named in custody. Additionally, most lenders require a showing and proof of funds, several months’ worth of mortgage payments.

two. Get a copy of your Credit Report (if husband and wife get both): You have the right, once a year, to request a free copy of your Credit Report, from one of the major credit organizations/companies. Please review this document carefully and correct any errors. If your score isn’t as high as a lending institution can look for it, start taking steps to improve it, sooner rather than later!

3. Pay another debt: Lending institutions use formulas to determine one’s qualifications to receive funds. They typically focus on one’s debt-to-income ratio. Therefore, pay off your other debt before beginning the process.

Four. Do not add any other debt: Avoid taking on more debt, no matter how convenient and/or attractive it may seem right now. Don’t fall into the trap of accepting new store charge accounts, because doing so can compromise your creditworthiness when shopping for a mortgage!

5. Buy houses, within your means: Avoid the get-rich-home trap and look to buy a home, beyond your comfortable means! Know how much you can afford, comfortably and safely, so you can choose wisely and stay comfortable!

Since, for most of us, the value of our home is our most important asset, doesn’t it make sense to proceed with care and wisdom? Will you be up to this task?