I got into a fight with my boyfriend and he told me to stop being an Oxter. What does that even mean? I tried Googling it and came up with nothing! Should I be offended?” – Confused Soon To Be Ex-Girlfriend
Good morning Confused –
Your boyfriend (or now ex?) seems to have a fine understanding on early English. An oxter is an outdated expression which means “armpit.” While calling someone an armpit isn’t really insulting nowadays, back in the early 1700s calling someone an Oxter was very offensive. I think the best thing to do would be to sit and talk and figure out the real reason you are fighting.
It’s easy to stand stalwart with your asking price on a home without yet having to negotiate with potential buyers. However, many factors come into play that can make the negotiating process a little tricky. Some people just aren’t prone to holding out and standing firm on a sales price. The very first thing that needs to be addressed is the property must be priced appropriately from the get-go. That gives you leverage when the negotiation process begins.
When you’re the seller, you have to think about a few things. For starters, are there any repairs that need to be made? The buyers are going to notice upon inspection, so these are things you need to think about ahead of time. You either need to make repairs or plan on dancing around them during the negotiation process. Estimate how much you’re willing to take off the top when it comes to your asking price.
What you’re asking shouldn’t be what you plan on getting for your home. It would be nice, but the price is going to be negotiated down. Let’s say you have your home appraised at 250,000. No major repairs need to be made and ‘as is,’ that is where the home’s market value stands. You price your home at 275,000, in hopes to get 250,000 as your bottom line. While you can’t quite anticipate what potential buyers are going to do, you can prepare yourself for the negotiation process.
Remember the importance of curb appeal. Your job is to prepare your home to the point that your negotiating tactics pay off. Patience is required in order to get what you want from the negotiating table. And remember, your real estate agent is much more versed on selling properties than you are, so use him or her during the negotiating process to get what you want.
A person that is on the look out for a loan is going to be wary of what they’re getting into. You never want a loan that is going to cause issues in the long-term or might be impossible to pay back. To ensure this does not take place, you will have to decide between two options.
You can go with an FHA loan or a USDA loan.
Here are the differences between both, so a person can make a smart decision about which direction to take moving forward.
This is a typical loan that is offered on the market by the Federal Housing Administration (FHA).
It’s main points include
1) Low Down Payment (3.5% Down Payment)
2) Can Buy House Anywhere (Rural Or Urban)
3) Limitation On Price Of Home (Based On Income)
These are the core details of an FHA loan for those who are intrigued.
Let’s move on the USDA loan for those who are now starting to contemplate this option.
A USDA loan doesn’t require a down payment (i.e. 100% loan offered) but has to be based in a “rural” area like Long Island, New York as described by the government.
This can limit where a person moves.
There is also a limit to one’s income before approval goes through. It is best suited for those who can pay back the extensive loan.
The choice is all about understanding what is going to best suit your needs because at the end that is all that matters. If you are not able to pinpoint what you require, continue to take your time and do your research. There shouldn’t be any rush when it comes to a loan because you are going to get bound by what you have signed up for and that is tough to get out of.
When it comes to successful dating, you want to know that you will not do anything embarrassing while you are eating a meal with someone. One aspect of this is knowing which foods you should avoid while on a date.
Although there are some things that are pretty universal, you might also find that you have specific foods that you should avoid. For instance, if you have an aversion to eating the crust on sandwiches, you should probably not order a sandwich where you would pick the outer edges of the sandwich off. You should also avoid any food that can make your breathe smell like onions and garlic.
However, there are plenty of other things that you should keep in mind that apply to most folks who are in the dating world these days. For instance, if the other person is paying for the meal, you should avoid ordering the most expensive thing on the menu. Likewise, you should not order the cheapest. Unless, it is what you really want.
If you order the most expensive thing just because the other person is footing the bill, that is just rude. By selecting the cheapest thing, you are implying the person cannot afford the meal and belitting them in a different way. This rule applies without regard to gender. It is about social politeness.
You might also want to avoid meals that create a big mess, unless that is the style of place that you are at. So, order some fried chicken at a down home restaurant but avoid the chicken strips from the kids menu at a steak house! Also consider finding a restaurant that specializes in date nights as has a date night menu like www.iforgotitswednesday.com
You can have a great time while you are on dates if you remember simple rules regarding your manners. Eat and have a great time and never allow the food to be the primary focus of your time out together!
Here are some other “humorous” dating do’s and dont’s:
As summer is slowly coming to an end, it is time to switch it up with some new fall nail polish colors. As you ease out of the warm days and into fall, it is time to begin considering the new trends and colors for the upcoming season, oh and do not forget to prepare for crisp temperatures and get out your cozy sweaters.
Once fall is right around the corner it is time to keep in mind one of the best parts of the change of seasons…switching up the nail polishes! What we want are deeply pigmented colors which will really accent this colorful season, it is after all important that your nails look flawless as you keep warm while sipping your pumpkin spiced latte.
Here are a few ideas to get you started:
The nail polish du jour at many a fashion show has been an inky royal blue. Of course this is never nearly as edgy as black, however this is a look which is particularly sophisticated in nail shapes which are square-meets-oval.
Regardless of whether you prefer a candy colored version of purple or perhaps a darker deep plum choice, purple nail polish is a must have this fall, it is an elegant change for the season.
Yes, the hottest runway color is one of the hottest trends in nail polishes this fall. Keep in mind this season brings a lot of leather, the dark shade of blood red will compliment that perfectly.
Sometimes it is a good idea to amidst the crazy colorful art trends, try on a palate cleanser, this is where some classic nudes with a clear topcoat to add some extra shine come into play.
Perhaps brown will become the new black, it pairs perfectly with gold bracelets and rings, the look is perfectly modern chic.
Did you know there are three types of lipstick? Matte, Classic and Gloss. Then there are certain shades that go better with your skin tone. We all remember in the 80s when we were assigned seasons and what colors worked well. But times have changes! Michelle Phan has this great tutorial that is worth a look for all the single ladies out there who are looking to attract a man! And all the married ones who want to wow their spouse!