but narrower viewpoints. We spend more, but have less, we buy more, but enjoy less. We have bigger houses and smaller families, more conveniences, but less time. We have more degrees but less sense, more knowledge, but less judgment, more experts, yet more problems, more medicine, but less wellness.

We drink too much, smoke too much, spend too recklessly, laugh too little, drive too fast, get too angry, stay up too late, get up too tired, read too little, watch TV too much, and pray too seldom.

We have multiplied our possessions, but reduced our values. We talk too much, love too seldom, and hate too often.

We've learned how to make a living, but not a life. We've added years to life not life to years. We've been all the way to the moon and back, but have trouble crossing the street to meet a new neighbor. We conquered outer space but not inner space. We've done larger things, but not better things.

We've cleaned up the air, but polluted the soul. We've conquered the atom, but not our prejudice. We write more, but learn less. We plan more, but accomplish less. We've learned to rush, but not to wait. We build more computers to hold more information, to produce more copies than ever, but we communicate less and less.

These are the times of fast foods and slow digestion, big men and small character, steep profits and shallow relationships. These are the days of two incomes but more divorce, fancier houses, but broken homes. These are days of quick trips, disposable diapers, throwaway morality, one night stands, overweight bodies, and pills that do everything from cheer, to quiet, to kill. It is a time when there is much in the showroom window and nothing in the stockroom. A time when technology can bring this letter to you, and a time when you can choose either to share this insight, or to just hit delete...

Remember; spend some time with your loved ones, because they are not going to be around forever.

Remember, say a kind word to someone who looks up to you in awe, because that little person soon will grow up and leave your side..

Remember, to give a warm hug to the one next to you, because that is the only treasure you can give with your heart and it doesn't cost a cent..

Remember, to say, 'I love you' to your partner and your loved ones, but most of all mean it. A kiss and an embrace will mend hurt when it comes from deep inside of you.

Remember to hold hands and cherish the moment for someday that person will not be there again.

Give time to love, give time to speak! And give time to share the precious thoughts in your mind.

AND ALWAYS REMEMBER:

Life is not measured by the number of breaths we take, but by the moments that take our breath away.

Paperwork When Buying a Home

Buying a home can be the most important investment for anyone. There are number of factors to consider while investing in residential property both as the first time buyer as well as the experienced.

The article highlights the importance of legwork involved in any home loan deal, a popular source to finance home sweet home.

The Importance of Paper Work

Dragging the closure of deals unnecessarily can bring about a severe headache. All of your significant paper work related to closure activities including the loan papers, title insurance, settlement statement, documents of owner’s coverage, and other contact papers must be competed legally before closure. Ensure to complete the entire documentation under local and state laws for the smooth transfer of property. A little leniency can lead to financial penalties and, worst of all, forfeiture of your rights to that property.

Documents Required For Buying a Home

Title Insurance: The deed offers protection against the frauds in the title works of the property. A number of problems may arise such as errors in public records, undisclosed liens, and encumbrances, easements, forged deeds, and undisclosed heirs to the property. Pitfalls like the mentioned ones can affect the future value of your property. You must always have the expert’s advice on your side to avoid nasty surprises later. They will inspect the title insurance properly. You can also get title insurance directly from a title agent.

Homeowner’s Insurance Policy: The lender wants the buyer to have a valid homeowner insurance policy in case he does not make payments in cash while buying the property. It ensures protection of both parties’ investment. However, the policy must be secured before the date of deal closure.

Allotment Letter: This is a document that contains all necessary details regarding the time schedule for the payments to be made, the price agreed upon, the construction, the house plan, liabilities of builders and delivery dead lines. You have to get your allotment letter from the concerned builder.

Lender’s coverage: Nearly all the lenders ask the buyers to provide title insurance for the loan they provide. Since, the amount of mortgage decreases during the loan tenure, the amount will also decrease.

Payment Challan: It is most important when you buy your home directly from a builder. It serves as an evidence of the payment that you have deposit into the seller’s account.

Original sale deed: In case, you are looking forward to buy the property from private builder, ensure to have the original sale deed signed by the first buyer and the builder.

Owner’s coverage: This is the document that remains at a particular level throughout the ownership period and is issued according to the amount of the actual cost price of the house.

Completion Certificate: Its significance lies in ensuring the buyer that his/her newly acquired property adheres to the requirements of the municipality or the state laws. The seller must provide completion certificate to the buyer.

Guiding Through the Entire Legwork

Always consult your lawyer or a competent property consultant when signing the papers. Your lawyer will be important to the best handling of documents required in the process of property transfer. Moreover, he can guide you about your responsibilities and legal rights.