Real estate prices have been increasing steadily over the last five years, particularly on the East and West coasts. In parts of California, homes are selling for 33% more than they were a year ago. This has made it more difficult than ever for first-time homebuyers to purchase a home.

Over the years, a number of new mortgage options have become available to prospective buyers that ease the burden of buying a home. Buyers can now obtain a mortgage with a variable interest rate that rises or falls with the market or even a mortgage that requires only interest payments for the first few years of the loan term. This allows buyers to make smaller payments early in the repayment schedule while purchasing a more expensive home than they otherwise might be able to afford. The payments would increase in later years, but so, presumably, would the income of the buyers, so that the home would still be within the buyers’ range of affordability.

A relatively new mortgage option that may soon adjustable rate mortgage and the interest-only mortgage in popularity is the mortgage with a 40 year term. While most mortgages offered today are for either 15 or 30 years, the 40 year mortgage has been available for nearly 20 years, but few lenders offer it as an option, as they are often reluctant to tie up their money for such a long period of time. That may change, however, as Fannie Mae has announced their intention to purchase more 40-year

Drink More Water

The skin stores around 12% water. It is important to maintain this amount with the correct amount of good fat to keep your skin from getting acne. You need to drink around 2 quarts of distilled water every day. If you are not drinking this amount, just start increasing the amount that you do drink.

Drinking water helps you get rid of toxins in the blood. By drinking water, you will urinate more and more toxins will be eliminated. The cleaner your blood the healthier your skin will be and your will not have a problem with acne.

Use glass containers when buying distilled or reverse osmosis water. Try to avoid using plastic containers for water since plastic containers contain chemicals, left in the container walls during manufacturing, which leaches out into the water.

If you are drinking fresh juices, you will also be getting water from these juices. Drinking sodas is not drinking water.

Here’s a few things you do to help you drink more water or to make the water healthier. Find a 16 or 32 oz glass container and add distilled water. Then add one of the following nutrients:

* A few drops of Alkalife. This solution changes the pH of the water from 7 to 8 and also activates the water with its electrolytes - sodium and potassium.

* Squeeze the juice of one lemon into the water. Do not add sugar. A few drops of honey may be ok.

* Squeeze the juice of one lemon into the water and

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