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After years or renting and crashing at other people’s places, you are finally ready to be a homeowner. You know the benefits of owning a home, but are you aware of the risks? Buying a home is one of the biggest decisions you’ll make in life, so don’t screw it up by not doing your research right. New houses are not like new cars; they cannot be exchanged if something’s not right. To avoid ruining your financial future with an ill-suited purchase, check out these important tips for first-time buyers:
1. Mortgages are not the only cost of a house
You will spend a good amount of financial resources on securing a mortgage and paying it back. However, this is not the only expense of owning a home. Once you buy a house, you will need to pay property taxes. It’s too risky to own a home without insurance. Plus, you will have to pay your own utility bills and any renovation costs that accrue over time. Don’t buy unless your income can handle this sort of expenditure assault.
2. Houses vs. residence apartments
When most people are ready to own property, they compare prices for houses. It makes sense to buy a house if you are planning to start a family. But, you should also consider if residence apartments are better suited for your needs. If you work in a city and plan to have children attend school in a city, it could be more cost effective to buy a high-rise apartment, instead of a two-storey house 100 miles away. So don’t leave out flats and condos when you begin house hunting.
3. Brokers are okay, to an extent
You might probably want to hire a real estate broker to find a great property that you’ll love. Cities, especially, are overrun by brokers and agents on the prowl for first-time buyers. As in any industry, not all brokers are good. You’d want to avoid ending up paying a hefty sum for a fly-by-the-night agent who disappears with your hard-earned money. So check your broker’s credentials with the local authorities. Most municipalities require brokers to have a license. Ask to see the ID, and check the expiration date. If a broker charges you to show around a property, find someone else.
4. The neighborhood is everything
No house is worth it if the neighborhood is bad. A bad neighborhood doesn’t only mean an area overrun by shanties with a sky-high murder rate. You should consider the facilities available in any neighborhood. How long is the commute to your office, is public transportation adequate, are there retail stores close by, are the sort of questions you should ask. Don’t just think in terms of your current needs, think to the future. If you have kids, can they get to school easily without a hassle, and so on. Don’t rush when it comes to buying a home.
These tips are simple, but they’ll save you a world of trouble if you pay close attention. Don’t hesitate to get advice from friends and family, and copiously research online buying guides. Hopefully, you will find a home of your own without a single pitfall.

The advent of various digital marketing tools has drastically changed the way businesses now go about promoting their products and services. Although, there are plenty of new and upcoming marketing tools available in the market, it has only made the competition among the business fierce. All the businesses, especially the start-up and SMEs owners have realized that it is nearly impossible to withstand the competition and survive in the market without adopting to the new promotional trends.

The businesses today are more versatile and they are more willing to experiment and take risks. If you are looking for some effective ways to market your business, knowing the following new trends would greatly help you:

Marketing through emails

Email marketing has been around for a while now but it has gained immense significance recently even amongst all the other digital marketing tools. The small businesses are using emails to great advantage to deliver their business message directly to the potential customers. There is no better way to tell about your products or services than reaching the inbox of the targeted audience. Research suggests that sending emails has an incredible conversion rate. Not to mention, it also increase engagement.

Mobile marketing

Today, with the usage of smartphones skyrocketing, it is only natural that the businesses around the world exploit the immense marketing opportunity the mobile devices offers. Mobile marketing is not just about sending SMS and making calls, the modern trend is creating utility apps that serve the purposes of the customers. Also, most of the businesses are now focusing on mobile website so that people can read and access your website site content even on the go. However, just like email marketing, the key to get maximum engagement from mobile is to have a high quality content; the content should be short, informative and more importantly useful for the readers.

Social media rules the roost

Social media platforms like Facebook, Twitter, and Google+ have millions of subscribers. Every day millions of people access their personal social media accounts. These sites provide an excellent platform for businesses to reach out to a huge volume of audience at once and convey their marketing message. Not to mention there is plethora of digital forums out there, where people from different background and with varied interest take part in various discussions, these forums are a great way to reach out to the potential customers on a personal level and know about their preferences and what the interest of the people is in general. This information can be crucial in formulating marketing strategies.

Image centric content

For the businesses around the world it is becoming important to make their content easily digestible for their audiences. Consequently, the businesses today are relying more on the images and info graphics rather than textual content to help the people understand their message better.