Sure, you want a home that checks off the items on your wish list and meets your needs. You can always trade up or down for a new home; add a third bathroom or renovate a basement. How this affects you: You could wind up loving your home but hating your neighborhood. What to do instead: Ask your real estate agent to help you track down neighborhood crime stats and school ratings. Measure the drive from the neighborhood to your job to gauge commuting time and proximity to public transportation. Buying a house is a major life milestone. How this affects you: Emotional decisions could lead to overpaying for a home and stretching your budget beyond your means.
The long-held belief that you must put 20 percent down payment is a myth. In fact, the median down payment on a home is 13 percent, according to the National Association of Realtors. How this affects you: Delaying your home purchase to save up 20 percent could take years, and you could limit cash flow that could be put to better use maximizing your retirement savings, adding to your emergency fund or paying down high-interest debt.
What to do instead: Consider other mortgage options. Some government-insured loans require 3. Plus, check with your local or state housing programs to see if you qualify for housing assistance programs designed for first-time buyers. Unicorns do not exist in real estate, and finding the perfect property is like finding a needle in a haystack.
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Looking for perfection can narrow your choices too much, and you might pass over solid contenders in the hopes that something better will come along. How this affects you: Looking for perfection might limit your real estate search or lead to you overpaying for a home. It can also take longer to find a home. Some loan programs let you roll the cost of repairs into your mortgage, too, he adds. First-time buyers might be cash-strapped in this environment of rising home prices.
How this affects you: You might assume you have no financing options and delay your home search. FHA loans require just 3.
The major drawback to these loans, though, is mandatory mortgage insurance, paid both annually and upfront at closing. VA loans are backed by the VA for eligible active-duty and veteran military service members and their spouses. VA loans are offered through private lenders, and come with a cap on lender fees to keep borrowing costs affordable. USDA loans help moderate- to low-income borrowers buy homes in rural areas. You must purchase a home in a USDA-eligible area and meet certain income limits to qualify. Some USDA loans do not require a down payment for eligible borrowers with low incomes.
If you had sticker shock from seeing your new monthly principal and interest payment, wait until you add up the other costs of owning a home. How this affects you: A Bankrate. What to do instead: Your agent or lender can help you crunch numbers on taxes, mortgage insurance and utility bills. Shop around for insurance coverage to get compare quotes.
Many loan programs allow you to use a gift from a family, friend, employer or charity toward your down payment. Not sorting who will provide this money and when, though, can throw a wrench into a loan approval. Make a copy of the check or electronic transfer showing how and when the money traded hands from the gift donor to you. Without poison, comic book superheroes and villains in plays and movies would be considerably duller.
Spiderman exists by the grace of a radioactive spider bite. The rise of the Teenage Mutant Ninja Turtles can be traced to their fall as pet turtles into a sewer along with a container of toxic materials. Laertes used a poison-dipped sword to kill Hamlet, and Claude Rains's nasty mother kept sneaking poison drops into Ingrid Bergman's drinks in the Hitchcock thriller Notorious.
understanding the poison of money Manual
You might say that a toxicologist studies substances that lead to death. But toxicology is also about life. What can kill, can cure. Said Paracelsus, a 16th-century German-Swiss physician and alchemist: "All substances are poisons; there is none which is not a poison. The right dose differentiates a poison and a remedy. Toxicology and pharmacology are intertwined, inseparable, a Jekyll-Hyde duality. A serpent coiled around a staff symbolizes Asclepius, the Greek god of medicine. Consider arsenic, the poison of kings and king of poisons.
Arsenic exploits certain pathways in our cells, binds to proteins, and creates molecular havoc. Small amounts taken over a long stretch produce weakness, confusion, paralysis. Take less than a tenth of an ounce 2. Because it is colorless, tasteless, and odorless, arsenic was the poison of choice for the Borgias, the Italian Renaissance family skilled at artful murder, as well as for Hieronyma Spara, a 17th-century Roman entrepreneur who ran a school that taught wealthy young wives how to dispatch their husbands and become wealthy young widows.
Arsenic, the poudre de succession , powder of succession, helped ambitious princes secure thrones. Fed in small amounts to a wet nurse, the poison could be expressed in breast milk and kill infant rivals. From death to life: In the fifth century B. It became an ingredient in Fowler's solution, created in and used for more than years to treat everything from asthma to cancer. In an arsenic compound became the first effective remedy for syphilis later to be replaced by penicillin. Arsenic derivatives are still used to treat African sleeping sickness.
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In William Osier, founder of modern medical education, pronounced arsenic the best drug for leukemia, and today it remains an effective chemotherapy agent for acute forms of the disease. Poisons surround us. It's not just too much of a bad thing like arsenic that can cause trouble, it's too much of nearly anything. Too much vitamin A, hypervitaminosis A, can cause liver damage. Too much vitamin D can damage the kidneys. Too much water can result in hyponatremia, a dilution of the blood's salt content, which disrupts brain, heart, and muscle function.
Even oxygen has a sinister side. Oxygen combines with food to produce energy, but our bodies also produce oxygen radicals—atoms with an extra electron that damage biomolecules, DNA, proteins, and lipids.
As if everyday poisons aren't enough to angst over, there are nature's more exotic hazards. It's a jungle out there. There are 1, kinds of poisonous marine organisms, poisonous fish, venomous snakes, 60 ticks, 75 scorpions, spiders, poisons in more than 1, plant species, and several birds whose feathers are toxic when touched or ingested. Given the treachery of the world, why don't more of us die of poisoning? Because our bodies are designed to protect us from both natural and man-made toxins.
The first line of defense, skin, is made of keratin—so waterproof, tough, and tightly woven that only the smallest and most fat-soluble molecules can get through. Our senses warn us of noxious substances; if they fail there is vomiting as backup. Finally, there is the liver, which turns fat-soluble poisons into watersoluble wastes that can be flushed out through our kidneys.
The balance tilts over to toxicity only when we step over the threshold of dosage. Mike Gallo, a toxicologist, knows the principle of threshold from the inside out. Gallo, a hyper-caffeinated personality wrapped in a wiry frame, is an associate director at the Cancer Institute of New Jersey in New Brunswick. In February , at 64, he was diagnosed with non-Hodgkin's lymphoma. Two weeks later he became both toxicologist and patient at the cancer institute.
His oncologist put him on a four-month intravenous diet of toxins, also known as chemotherapy, and he began treatment in a clinic four floors down from his office. The ingredients of his cocktail included cytoxan, adriamycin, vincristine, prednisone, and Retuxan—toxic enough to cause side effects ranging from vomiting, diarrhea, and weight loss, to liver, heart, and bladder damage, to death from overwhelming infection due to a depressed immune system.
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In addition, as Gallo will cheerfully tell you, "Almost all cancer drugs are carcinogenic in their own right. On the other hand, he says, "The moment they stuck the needle in my vein, I felt relief. I thought, They got the son of a bitch. Gallo was lucky. His luxuriant mop of red hair fell out, and he took on the alien look of chemotherapy. But fatigue and the typical drop in blood-cell count aside, he continued working through the treatment.
My drug-metabolizing enzymes must be slightly different from his. It's these pieces of toxicology—the matter of difference, the question of how much or how little, the wavering line between killing and curing—that Gallo loves so much as a scientist.
They are the heart of toxicology and thus of poison. Toxicology also saved his life. Six months and thousands of milligrams of toxic drugs later, Gallo's doctor gave him the all-clear. The lymphoma is in remission. The tale of two toxicologists ends tragically for one, happily for the other.
Karen Wetterhahn lost her life to poison. Michael Gallo owes his life to it. Thank God for toxicity. It's a game of Clue and historical whodunit all in one. The victim, Napoleon Bonaparte, died on May 5, , on St.