Libertas
The Art of Black &White
Miina Saray
Hollywood's next biggest star and New Yorks finest
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Hollywood's next biggest star and New Yorks finest
The world can be seen through many different lenses; sometimes I see it in plain black and white
I see the world in a simple light, not letting the colors of the world blur my creative vision.
B&W is my foundation it is what I use when the world becomes too saturated There is something so beautiful about something so simple, if given the chance I would capture the world in B&W
As timeless as it is there's just something about B&W that just solidifies itself as a frozen moment in time.
When I started doing B&W photography I set myself on a journey, a journey of discovery. I think every photographer should pick up B&W in their career at least once
I myself have found my eye for the photography that speaks most to me The hidden beauty in simplicity and I'm still on that journey accept now Iknow where I am going.
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Your Essential Guide to Prepare for Home Ownership:
Owning a home is a significant milestone in life, but it's a journey that requires preparation, research, and careful planning As a first-time homebuyer, the process can seem overwhelming, but with the right guidance and information, you can navigate it smoothly. Here's your essential guide to prepare for home ownership:
1. Assess Your Financial Situation:
Determine how much you can afford to spend on a home by evaluating your income, savings, and expenses.
Get pre-approved for a mortgage to understand your borrowing capacity and to strengthen your position when making an offer.
2 Understand Your Homebuying Costs:
Beyond the purchase price, consider additional costs such as closing costs, property taxes, insurance, and maintenance.
Factor in potential expenses like HOA fees, utilities, and repairs into your budget.
3. Research Neighborhoods:
Explore different neighborhoods to find the one that suits your lifestyle, preferences, and budget.
Consider factors like proximity to work, schools, amenities, safety, and future development.
4. Define Your Priorities:
Make a list of your must-have features in a home, such as the number of bedrooms, bathrooms, yard size, and layout.
Be open to compromise and prioritize what matters most to you and your family.
5 Work with a Real Estate Agent:
Enlist the help of a reputable real estate agent who has experience working with first-time homebuyers.
A knowledgeable agent can guide you through the process, negotiate on your behalf, and provide valuable insights.
6. Educate Yourself About the Homebuying Process:
Familiarize yourself with the steps involved in purchasing a home, from house hunting to closing
Ask questions, seek advice, and stay informed to make confident decisions throughout the process.
7. Conduct Home Inspections:
Schedule professional home inspections to assess the condition of the property and identify any potential issues.
Use inspection reports to negotiate repairs or adjustments to the purchase agreement.
8. Plan for the Future:
Consider your long-term goals and how homeownership fits into your financial plans.
Think about factors like resale value, equity building, and potential for appreciation when choosing a home.
9 Prepare for Homeownership Responsibilities:
Understand the responsibilities of being a homeowner, including property maintenance, repairs, and ongoing expenses.
Create a budget and reserve funds for unexpected costs that may arise.
10. Stay Patient and Flexible:
Buying a home is a significant decision that may take time, so be patient throughout the process.
Stay flexible and open-minded, and don't rush into a purchase until you find the right home for you.
Conclusion: Purchasing your first home is an exciting and rewarding journey, but it requires careful planning and preparation. By assessing your finances, researching neighborhoods, defining your priorities, and working with experienced professionals, you can navigate the homebuying process with confidence. Remember to stay patient, informed, and flexible as you embark on this new chapter of homeownership.
Sanaaserajj
Sanaaseraj
Sanaaseraj
*Streaming on all platforms*
A new universe created for your pure entertainment. Mixing elements of story, adventure and freedom where there will be many different mediums to enjoy from book series, comics, animated shows, movies, games, all for you to experience voyager as a whole.
Carefully blending all different mediums into one continuous world line you will be able to bear witness to the ever expanding and changing universe first hand and even playing a part in that change in some cases.
This project was created to give a new experience in the realm of fiction and imagination.
https://www.kickstarter.com/projects/voyager1/stories-under-the-moon
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