Problem: Write an article based on this summary: Figure out how much you can afford. Arrange for pre-approved financing. Make sure you have the cash you need. Decide what and where you want to buy. Realize other items you need to consider for vacant land. Select a real estate agent. Sign the exclusive buyer agent agreement.

Answer: Start by using an online mortgage calculator to determine how much you can afford to spend.  These calculators normally ask you to input your income and associated expenses (e.g. utilities, other loan payments, etc.) and then will determine how much you can afford to spend on a monthly mortgage payment.  These calculations also take into account interest rates, mortgage terms and amortization.  In the end, the calculator will show you the total amount you can spend on real estate based on your current financial situation. The general rule of thumb for financing property is that the total monthly amount of your mortgage payments should not exceed 36% of your total monthly (gross) income.  For example, if you make $3,000 a month, your maximum monthly mortgage payment should be $1,080. Online mortgage calculators do not guarantee approval or the interest rates used in the calculations.  You still need to make an appointment with a mortgage broker and ask to be pre-approved for a mortgage.  A pre-approval application is almost identical to a normal mortgage application.  The difference is that the end result is a guarantee by the financial institution to provide a certain amount and interest rate to you as long as your financial situation does not change.  This guarantee is normally in effect for a limited time (e.g. 3 months, 6 months, etc.).  A pre-approval is not a contract.  You can still switch financial institutions before you close the real estate deal if you want. Keep in mind that the financing rules for vacant land can be very different from the financing rules for a house or condo.  This is because there is more risk with vacant land.  Financial institutions may request that you provide a large down payment or may require a larger interest rate.  If possible, you may want to consider buying vacant land with cash. In addition to making sure your mortgage is lined up, you also need to make sure you have enough cash to pay both the down payment and the closing costs.  Down payments of 20% or more will not require mortgage insurance, but if you decide to buy a home with less than 20% down you’ll need to pay an extra fee to purchase mortgage insurance. In addition to cash for the down payment, you also need to have enough cash set aside to pay for closing costs.  Closing costs can include appraisal costs, loan fees, lawyer fees, inspection fees, transfer taxes and other items.  It is not unreasonable for closing costs to end up being 5% of the property purchase price, therefore if you buy a $200,000 property you might have closing costs of $10,000.  Unfortunately the exact amount cannot be determined until you’re near the end of the process. Once you have all your financing in order, you can start to think about the actual property you want to buy.  The first thing you may want to do is narrow down exactly where you want to purchase property.  Since different geographical locations tend to have different real estate markets, knowing where you want to buy property may also narrow down what type of property you can consider.  For example, if you want to buy in downtown Denver, you will get less land and less house for your money than if you buy in the middle of nowhere.  There are many other things you’ll want to consider, including:  Do you need to be near an elementary or high school, now or in the near future? What sort of public transportation do you require in your neighbourhood? Are you okay buying something that is not in good condition and fixing it yourself, or do you need something in good condition that requires very little upkeep? How many bedrooms and bathrooms do you need?  Do you need multiple floors and/or a basement? Do you need a balcony, patio or backyard? What type of heating and cooling system do you want? Are you okay with properties that have wells or septic tanks, or do you need to be on a city water system? If you’ve decided that you want to purchase vacant land, either to build on it yourself or as an investment, there are other things you need to consider.  Even if you aren’t building on the land yourself realize that selling the land in the future may depend on whether someone else can build on it.  Some items to consider are:  How far ‘out of town’ is the property?  Will you be charged extra by contractors to work at this property (because it’s so far away)? Is the land anywhere near a major road or highway?  Is the road it is on paved or gravel?  Is that road cleared in the winter? If the land isn’t bordered by a road, can you obtain right-of-way access to cross someone else’s property? How is the land currently zoned?  How easy or hard is it to request a zoning change, if required? What restrictions are associated with the land due to its proximity to water? If the land requires a septic system, can the soil support a septic system? What is located underground?  Can a foundation be easily constructed on the land?  Can a well be dug for water if one doesn’t already exist? What is the topography of the land?  Does the topography restrict what can be constructed? Having a real estate agent who is working directly for you during this process is usually your best option.  Purchasing real estate is a complex process and it helps to have an expert who can give you guidance and advice throughout the process.  ‘Exclusive buyer agents’ are real estate agents who work exclusively for you — the buyer.  In many situations you do not have to pay them directly, instead they receive a portion of the real estate fees from the seller.  Keep in mind that the real estate agent who is selling a property works for the seller.  They are being paid by the seller to sell the property, therefore their priority is to sell the property for the most amount of money possible.  You, on the other hand, are trying to buy a property for the least amount of money possible.  While it might seem convenient to use the same real estate agent as the seller, it is not in your best interest to do so. It is not unusual for buyers to meet with multiple real estate agents before they select someone to work for them.  It is also not unusual to ask friends, family or previous real estate agents to refer you to a new real estate agent. Once you have found a real estate agent who you are comfortable working with they will likely ask you to sign an Exclusive Right-to-Buy Listing Contract.  This contract solidifies the deal between you (the buyer) and the real estate agent.  The contract lays out how the agent will be paid and how long they will work for you. While most real estate agents who work exclusively for buyers are paid a portion of the real estate fees from the seller, you can also make an arrangement to pay the agent a specific fee.  By doing this, the fee is not based on the final selling price of the property you purchase, but rather a pre-determined amount agreed upon by you and the agent.


Problem: Write an article based on this summary: Open Start . Type command prompt into Start. Click  Command Prompt. Enter the product key retrieval code. Note your product key.

Answer:
Click the Windows logo in the bottom-left corner of the screen. This will search the computer for the Command Prompt app. It's a black box at the top of the Start window. Command Prompt will open. You must be on an administrator account in order to retrieve your key in this way. Type wmic path softwarelicensingservice get OA3xOriginalProductKey into Command Prompt, then press ↵ Enter. You should see the 25-character product key appear directly below the command that you entered; this is your product key.   Take a screenshot of the results or write down the key to make sure that you have access to it if needed. If this command doesn't work, you'll need to use ProduKey to find your Windows product key.