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10 things you should do before moving out of parents house

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10 steps to follow to move out of parents house

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10 TIPS! "HOW TO MOVE OUT OF PARENTS HOUSE".

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Go to all 50 states within this lifetime 

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Go to all 50 states within this lifetime 

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50 Things to Do in the U.S. Before You Die

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We asked our editors, Facebook fans, and Twitter followers for their favorite trips across America. Consider this our comprehensive guide to the best of the U.S.

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This film is a collection of audiovisual moments and memories of a 3-week railway journey through Japan in 2015. They where whizzing through the country with the Shinkansen visiting Tokyo, Osaka, Hiroshima and Kyoto as well as lots of wonderful little places along the way, meeting the most friendly people and experiencing a culture that somehow balances its rich tradition with a very futuristic present.

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Buying a house requires a lot of time and effort, but these 10 steps can help make the home buying process manageable and help you make the best decisions possible.

Step 1: Start Your Research Early

As soon as you can, start reading Web sites, newspapers, and magazines that have real estate listings. Make a note of particular homes you are interested in and see how long they stay on the market. Also, note any changes in asking prices. This will give you a sense of the housing trends in specific areas.

Step 2: Determine How Much House You Can Afford

Lenders generally recommend that people look for homes that cost no more than three to five times their annual household income if the home buyers plan to make a 20% down payment and have a moderate amount of other debt.

But you should make this determination based on your own financial situation. Use our Affordability Calculator to see how much house you can afford.

To help you save for your down payment, try Discover Bank's AutoSavers Plan, which makes it easy to put aside money each month.

Step 3: Get Prequalified and Preapproved for credit for Your Mortgage

Before you start looking for a home, you will need to know how much you can actually spend. The best way to do that is to get prequalified for a mortgage. To get prequalified, you just need to provide some financial information to your mortgage banker, such as your income and the amount of savings and investments you have. Your lender will review this information and tell you how much we can lend you. This will tell you the price range of the homes you should be looking at. Later, you can get preapproved for credit, which involves providing your financial documents (W-2 statements, paycheck stubs, bank account statements, etc.) so your lender can verify your financial status and credit.

Step 4: Find the Right Real Estate Agent

Real estate agents are important partners when you're buying or selling a home. Real estate agents can provide you with helpful information on homes and neighborhoods that isn't easily accessible to the public. Their knowledge of the home buying process, negotiating skills, and familiarity with the area you want to live in can be extremely valuable. And best of all, it doesn't cost you anything to use an agent - they're compensated from the commission paid by the seller of the house.

Step 5: Shop for Your Home and Make an Offer

Start touring homes in your price range. It might be helpful to take notes (using this helpful checklist) on all the homes you visit. You will see a lot of houses! It can be hard to remember everything about them, so you might want to take pictures or video to help you remember each home.

Make sure to check out the little details of each house. For example:

Test the plumbing by running the shower to see how strong the water pressure is and how long it takes to get hot water

Try the electrical system by turning switches on and off

Open and close the windows and doors to see if they work properly

It's also important to evaluate the neighborhood and make a note of things such as:

Are the other homes on the block well maintained?

How much traffic does the street get?

Is there enough street parking for your family and visitors?

Is it conveniently located near places of interest to you: schools, shopping centers, restaurants, parks, and public transportation?

Take as much time as you need to find the right home. Then work with your real estate agent to negotiate a fair offer based on the value of comparable homes in the same neighborhood. Once you and the seller have reached agreement on a price, the house will go into escrow, which is the period of time it takes to complete all of the remaining steps in the home buying process.

Step 6: Get a Home Inspection

Typically, purchase offers are contingent on a home inspection of the property to check for signs of structural damage or things that may need fixing. Your real estate agent usually will help you arrange to have this inspection conducted within a few days of your offer being accepted by the seller. This contingency protects you by giving you a chance to renegotiate your offer or withdraw it without penalty if the inspection reveals significant material damage.

Both you and the seller will receive a report on the home inspector's findings. You can then decide if you want to ask the seller to fix anything on the property before closing the sale. Before the sale closes, you will have a walk-through of the house, which gives you the chance to confirm that any agreed-upon repairs have been made.

Step 7: Work with a Mortgage Banker to Select Your Loan

Lenders have a wide range of competitively priced loan programs and a reputation for exceptional customer service. You will have many questions when you are purchasing a home, and having one of our experienced, responsive mortgage bankers assist you can make the process much easier.

Every home buyer has their own priorities when choosing a mortgage. Some are interested in keeping their monthly payments as low as possible. Others are interested in making sure that their monthly payments never increase. And still others pick a loan based on the knowledge they will be moving again in just a few years.

Step 8: Have the Home Appraised

Lenders will arrange for an appraiser to provide an independent estimate of the value of the house you are buying. The appraiser is a member of a third party company and is not directly associated with the lender. The appraisal will let all the parties involved know that you are paying a fair price for the home.

Step 9: Coordinate the Paperwork

As you can imagine, there is a lot of paperwork involved in buying a house. Your lender will arrange for a title company to handle all of the paperwork and make sure that the seller is the rightful owner of the house you are buying.

Step 10: Close the Sale

At closing, you will sign all of the paperwork required to complete the purchase, including your loan documents. It typically takes a couple of days for your loan to be funded after the paperwork is returned to the lender. Once the check is delivered to the seller, you are ready to move into your new home!

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10 Steps to Buying a House - Home Buying Process

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Buying a house requires a lot of time and effort, but these 10 steps can help make the home buying process manageable and help you make the best decisions possible. As soon as you can, start reading Web sites, newspapers, and magazines that have real estate listings.

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Graduates with a degree in Computer Science find employment working in a variety of capacities ranging from computer and software design to development of information technologies. Their jobs are often distinguished by the high level of theoretical expertise they apply to solving complex problems and the creation and application of new technologies.

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Walking: Trim your waistline, improve your health

Ready to reap the benefits of walking? Here's how to get started - and stay motivated.
By Mayo Clinic Staff
Can you really walk your way to fitness? You bet! Get started today.

Know the benefits

Physical activity doesn't need to be complicated. Something as simple as a daily brisk walk can help you live a healthier life.

For example, regular brisk walking can help you:

Maintain a healthy weight and lose body fat

Prevent or manage various conditions, including heart disease, stroke, high blood pressure, cancer and type 2 diabetes

Improve cardiovascular fitness

Strengthen your bones and muscles

Improve muscle endurance

Increase energy levels

Improve your mood, cognition, memory and sleep

Improve your balance and coordination

Strengthen immune system

Reduce stress and tension

The faster, farther and more frequently you walk, the greater the benefits. For example, you may start out as an average walker, and then work your way up to walking faster and walking a mile in a shorter amount of time than an average walker, similar to power walkers. This can be a great way to get aerobic activity, improve your heart health and increase your endurance while burning calories.

You can also alternate periods of brisk walking with leisurely walking. This type of interval training has many benefits, such as improving cardiovascular fitness and burning more calories than regular walking. And interval training can be done in less time than regular walking

Consider your technique

Turning your normal walk into a fitness stride requires good posture and purposeful movements. Ideally, here's how you'll look when you're walking:

Your head is up. You're looking forward, not at the ground.

Your neck, shoulders and back are relaxed, not stiffly upright.

You're swinging your arms freely with a slight bend in your elbows. A little pumping with your arms is OK.

Your stomach muscles are slightly tightened and your back is straight, not arched forward or backward.

You're walking smoothly, rolling your foot from heel to toe.

Plan your routine

As you start your walking routine, remember to:

Get the right gear. Choose shoes with proper arch support, a firm heel and thick flexible soles to cushion your feet and absorb shock.

Wear comfortable, loose-fitting clothes and gear appropriate for all types of weather, such as layers in cooler weather. Aim to wear moisture-wicking fabrics, which will keep you more comfortable. If you walk outdoors when it's dark, wear bright colors or reflective tape for visibility. Wear sunscreen, a hat and sunglasses if you're going out during the day.

Some people choose to use an activity tracker, app or pedometer. These can be helpful to track your time, distance, heart rate and calories.

Choose your course carefully. If you'll be walking outdoors, avoid paths with cracked sidewalks, potholes, low-hanging limbs or uneven turf.

If the weather isn't appropriate for walking, consider walking in a shopping mall that offers open times for walkers.

Warm up. Walk slowly for five to 10 minutes to warm up your muscles and prepare your body for exercise.

Cool down. At the end of your walk, walk slowly for five to 10 minutes to help your muscles cool down.

Stretch. After you cool down, gently stretch your muscles. If you'd rather stretch before you walk, remember to warm up first.

Set realistic goals

For most healthy adults, the Department of Health and Human Services recommends these exercise guidelines:

Aerobic activity. Get at least 150 minutes of moderate aerobic activity or 75 minutes of vigorous aerobic activity a week, or a combination of moderate and vigorous activity. The guidelines suggest that you spread out this exercise during the course of a week. Greater amounts of exercise will provide even greater health benefits. But even small amounts of physical activity are helpful. Being active for short periods of time throughout the day can add up to provide health benefits.

Strength training. Do strength training exercises for all major muscle groups at least two times a week. Aim to do a single set of each exercise, using a weight or resistance level heavy enough to tire your muscles after about 12 to 15 repetitions.

As a general goal, aim for at least 30 minutes of physical activity a day. If you can't set aside that much time, try several short sessions of activity throughout the day. Any amount of activity is better than none at all. Even small amounts of physical activity are helpful, and accumulated activity throughout the day adds up to provide health benefit.

Remember it's OK to start slowly - especially if you haven't been exercising regularly. You might start with five minutes a day the first week, and then increase your time by five minutes each week until you reach at least 30 minutes.

For even more health benefits, aim for at least 60 minutes of physical activity most days of the week.

Track your progress

Keeping a record of how many steps you take, the distance you walk and how long it takes can help you see where you started from and serve as a source of inspiration. Just think how good you'll feel when you see how many miles you've walked each week, month or year.

Try using an activity tracker, app or pedometer to calculate steps and distance. Or record these numbers in a walking journal.

Stay motivated

Starting a walking program takes initiative. Sticking with it takes commitment. To stay motivated:

Set yourself up for success. Start with a simple goal, such as, "I'll take a 5- or 10-minute walk during my lunch break." When your 5- or 10-minute walk becomes a habit, set a new goal, such as, "I'll walk for 20 minutes after work."

Find specific times for walks. Soon you could be reaching for goals that once seemed impossible.

Make walking enjoyable. If you don't like walking alone, ask a friend or neighbor to join you. If you're energized by groups, join a health club or walking group. You might like listening to music while you walk.

Vary your routine. If you walk outdoors, plan several different routes for variety. If you often walk in your neighborhood, consider walking somewhere new, such as a city or state park. Try taking routes with hills or stairs as you become used to walking more. Or walk faster for a few minutes and then slow down for a few minutes and repeat the cycle. If you're walking alone, tell someone which route you're taking. Walk in safe, well-lit locations.

Take missed days in stride. If you find yourself skipping your daily walks, don't give up. Remind yourself how good you feel when you include physical activity in your daily routine, and then get back on track.

Once you take that first step, you're on the way to an important destination - better health.

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Show references

1. Physical Activity Guidelines for Americans. 2nd ed. U.S. Department of Health and Human Services. https://health.gov/paguidelines/second-edition. Accessed March 2, 2021.

2. Starting a walking program. American College of Sports Medicine. https://www.acsm.org/read-research/resource-library/resource_detail?id=67a24f36-3d2e-465d-ad4e-172553be8f3f. Accessed March 2, 2021.

3. Walking: A step in the right direction. National Institute of Diabetes and Digestive and Kidney Diseases. https://www.niddk.nih.gov/health-information/weight-management/walking-step-right-direction. Accessed March 2, 2021.

4. AskMayoExpert. Physical activity (adult). Mayo Clinic; 2020.

5. Why is walking the most popular form of exercise? American Heart Association. https://www.heart.org/en/healthy-living/fitness/walking/why-is-walking-the-most-popular-form-of-exercise. Accessed March 2, 2021.

6. Barough N. Walking for fitness. 2nd ed. DK Publishing; 2017.

See more In-depth

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Walking can be an ideal low-impact exercise. Get the most from your walking routine.

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Whether it's for pride or to get into a college or technical program, striving for good grades in high school is important. Good grades are not only a sign that you are a good student - they also show that you study hard, know the m...

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Read 4 times a week

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Here's a simple question-answer it honestly, because your response could boost the amount of pleasure in your daily life, delay dementia, and even help you live longer: How many hours did you spend reading books last week?

This question has arrived in thousands of U.S. homes every other year since 1992 as part of the University of Michigan's Health and Retirement Study (HRS). A minor item on a massive survey of more than 20,000 retirees, it had long gone ignored in the analysis of elder brain health. But in 2016, when researchers at the Yale School of Public Health dug into 12 years of HRS data about the reading habits and health of more than 3,600 men and women over the age of 50, a hopeful pattern emerged: People who read books-fiction or nonfiction, poetry or prose-for as little as 30 minutes a day over several years were living an average of two years longer than people who didn't read anything at all. Odder still, book readers who reported more than three hours of reading each week were 23 percent less likely to die between 2001 and 2012 than their peers who read only newspapers or magazines. (Don't miss the 20 books you should have read by now.)

If you're reading this, it's safe to assume you don't need to be sold on the merits of the written word. You may already be familiar with recent findings that suggest children as young as six months who read books with their parents several times a week show stronger literacy skills four years later, score higher on intelligence tests, and land better jobs than nonreaders. (Check out these 8 simple tricks to teach your kids to love reading.) But recent research argues that reading may be just as important in adulthood. When practiced over a lifetime, reading and language-acquisition skills can support healthy brain functioning in big ways. Simply put: Word power increases brain power. (Here are 7 more morning brain boosters to do before work.)

To understand why and what each of us can do to get the most out of our words, start by asking the same question the Yale team did: What is it about reading books in particular that boosts our brain power whereas reading newspapers and magazines doesn't? For one, the researchers posit, chapter books encourage "deep reading." Unlike, say, skimming a page of headlines, reading a book (of any genre) forces your brain to think critically and make connections from one chapter to another, and to the outside world. (But in a pinch, try these 6 tips to be a better speed reader.) When you make connections, so does your brain, literally forging new pathways between regions in all four lobes and both hemispheres. Over time, these neural networks can promote quicker thinking and may provide a greater defense against the worst effects of cognitive decay.

Jamie Chung for reader's Digest (photograph) and Joel Holland for reader's digest (hand lettering)

Secondly, reading books, especially fiction, has been shown to increase empathy and emotional intelligence. (Here's more on how reading fiction makes you a nicer person.) One 2013 study found that participants who read just the first part or chapter of a story showed a noticeable increase in empathy one week later, while news readers showed a decrease. These findings may sound trivial, but they're not; developing social tools such as empathy and emotional intelligence can lead to more (and more positive) human interaction, which in turn can lower stress levels-both of which are proved to help you live longer and healthier.

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That's not to say that magazines, newspapers, and Web articles are without merit. Reading anything that fills your mind and exposes you to new words, phrases, and facts seems to carry mental benefits. New research indicates that a large vocabulary may lead to a more resilient mind by fueling what scientists call cognitive reserve. One way to think about this reserve is as your brain's ability to adapt to damage. Just as your blood cells will clot to cover a cut on your knee, cognitive reserve helps your brain cells find new mental pathways around areas damaged by stroke, dementia, and other forms of decay. This could explain why, after death, many seemingly healthy elders turn out to harbor advanced signs of Alzheimer's disease in their brains despite showing few signs in life. It's their cognitive reserve, researchers suspect, that may allow some seniors to seamlessly compensate for hidden brain damage. (On the flip side, these 8 habits could be making your brain age more quickly.)

Jamie Chung for reader's Digest (photograph) and Joel Holland for reader's digest (hand lettering)

So how does one build up cognitive reserve? That's more good news for word lovers. Vocabulary is notoriously resistant to aging, and having a rich one, according to researchers from Spain's University of Santiago de Compostela, can significantly delay the manifestation of mental decline. When the team analyzed vocabulary test scores of more than 300 volunteers ages 50 and older, they found that participants with the lowest scores were between three and four times more at risk of cognitive decay than participants with the highest scores. (Check out these other 11 ways to improve your vocabulary.)

Learning foreign words (like these 6 romantic words with no English equivalent) also offers important cognitive nutrients. In fact, research shows that learning something new, such as how to play an instrument or speak a second language, is one of the best things you can do for your brain at any age. (Check out these other 12 ways to get smarter in your spare time.) Remember that powerful network of brain connections we get from reading? Successfully learning a second language grows that network even more. As a result, polyglots have been shown to be stronger at multitasking, superior at memorizing, and better at focusing on important information than monolingual speakers. A 2013 study in Neurology discovered that patients who spoke two or more languages developed dementia an average of 4.5 years later than monolingual patients. And while a brain that learns a second language earlier in life will likely see more cognitive advantages than a late-life learner, it is never too late to open the phrase book. You don't need to end up a fluent speaker, either. "Just having the basics of those linguistic connections can delay dementia," Dr. Thomas Bak of the University of Edinburgh told the Atlantic. When you're ready to start, try this science-backed secret to learning a new language.

Jamie Chung for reader's Digest (photograph) and Joel Holland for reader's digest (hand lettering)

Of course, learning a new language is no quick feat. Luckily, the payoff of a single lesson can provide instant gratification. Researchers from Germany and Spain had 36 participants read two sentences containing the same foreign word: "Every Sunday the grandmother went to the jedin" and "The man was buried in the jedin." When asked what jedin means, the folks who correctly guessed "graveyard" showed reactions in the same pleasure-sensing parts of the brain you'd expect from food, sex, gambling, and other satisfying stimuli. (Though when it comes to words, overindulgence is encouraged.)

It's in that spirit of brain building that we bring you a special Genius Issue devoted to all things philological. You'll find a story about the people who write dictionaries, the narrative tricks that "super memorizers" use to recall massive amounts of information, and an essay that wonders if our fiction tastes are becoming simpler. There are heartwarming stories, too, such as the tale of how a young German girl learned a few words of English from an American soldier during World War II and a "Drama in Real Life" about a man who lost all ability to communicate -and almost died because of it. Wherever you land, we hope you'll be inspired to turn the page. Because, as science reminds us, it pays to increase your word power-today, tomorrow, and for the rest of your life.

Still not inspired to pick up a novel? These 39 cozy reading quotes will make you crave a good book.

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Here's Why Your Brain Needs You to Read Every Day | Reader's Digest

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Here's a simple question-answer it honestly, because your response could boost the amount of pleasure in your daily life, delay dementia, and even help you live longer: How many hours did you spend reading books last week? This question has arrived in thousands of U.S.