It is important to ask a lot of questions about any big investment. I am going to detail a few questions you shold ask when buying a condo.

* What is the percentage of owner-occupied units in the complex? Finance companies might not finance a condominium in a complex which is heavily owned by investors not ocupying the condos. They will usually look for around 66% owner occupied. And remember, if no one wants to finance the condo it will afect you when not only just while you are buying, but when you are trying to sell it as well.

* Have any special assessments taken place in the past 3 years? Will there be any large maintenance projects 12 months? Will the expenses be covered by reserves?

Owners and associations alike have unforeseen maintenance costs. A good condo association plans ahead and make the fees enough to cover those costs. Many assessments indicates poor planning. It would be terrible for you to buy a condo from a person who paid small fees for years, and then you get to pay for an assessment as soon as you move in.

* Are there disputes currently unresolved between the owners and the Association?

If there are many problems, think twice about living in that environment. Watch for the following common issues:

Proper use of the balcony. Most complexes don’t allow you to hang things off the balcony. This is in order to stop people from putting laundry and other things that could become problematic for occupats, but people make a fuss about little things too.

Live in pets. Even in complexes let you keep pets, owners usually experience problems because a few owners’ pets are nasty and poorly behaved.

* Is the association in any lawsuits?

Many times the HOA can end up involved in lawsuits with owners, material providers involved in construction, or the occupants. You and your lawyer should discuss these suits.

* Is the HOA discussing any changes to the by-laws applied to the complex?

Some by-law changes may have an impact on your use and enjoyment of the complex. You won’t have a vote until you own the unit.

Breaking the Bounds of Boredom with iPhone

How many times have you been traveling somewhere and
there is nothing to do but watch the scenery go by
You have listened to your music over and over again,
you have read your books, and you just want to watch a
movie.

But when you are traveling in a car, it’s impossible.
But that isn’t true anymore. If you have the Apple
iPhone, you can take your movies and television shows
with you wherever you go.

The Apple iPhone has a generous 3.5-inch screen and it
lets you enjoy anything that you have rented or
purchased from the iTunes store right there on your
iPhone, wherever you are.

The iPhone controls work very much like a DVD player
remote - you can use them to play, pause, or even view
certain chapters.

It’s also easy to adjust the volume on your iPhone so
that you don’t disturb the people around you.

It’s hard to believe that Apple has packed so many
features into one small device, but the company also
knows what people are looking for in their cell
phones.

They want to have plenty of options and they want
their cell phone to give them a lot of technology
right there at their fingertips.

The iPhone not only is a great phone and camera, but
it’s also a wonderful way to get rid of boredom. With
the big selection of movies and television shows on
iTunes, you will be able to find something that you
want to watch no matter what your tastes are.

Picture This With Your iPhone

Have you ever been in a situation where you have
wanted to take a picture of something and didn’t have
a camera with you

It can be quite frustrating because you miss a great
photo opportunity simply because you don’t have the
right equipment with you.

But if you have an Apple iPhone, you never have to
worry about missing those great photo opportunities
again.

The Apple iPhone has a two-megapixel camera that is
built right in and is ready to use when you want to
take a picture. Even if you have had a cell phone with
a built in camera before, you will find that it
doesn’t compare to what the Apple iPhone can do.

The Apple iPhone makes it easy to share your photos
with its easy and automatic synchronization, whether
you are using a Mac or a PC for your docking.

It’s never been easier to display the pictures you
take - all it takes is a touch of a finger. Not only
that, but when you take your pictures they can be
posted directly to a Mac Photo Gallery.

The Apple iPhone is a photographer’s dream come true.
It’s ready to take pictures when you are and makes it
easy to show off the pictures that you have taken
almost immediately.

You will never have to worry about missing out on
taking a beautiful picture because you have a great
camera built right into your cell phone.

No matter whether you are a professional or an
amateur, you will find the camera on the iPhone easy
to use.