Don't overdo your down payment. If you spend all your money in a down payment, you may not have enough to do the improvements you want. The rule of thumb is if you are moving into a fixer upper, go for 10 percent down.
Don't rush into your home loan, as there are dozens of types. The strategy that you develop for the type of loan you want depends on where you see yourself in five or 10 years. Managing your debt payment with an interest-only payment will give you an opportunity to save that money for retirement or save it for a college fund.
Living cells in your skin, called keratinocytes, produce a protective layer that provides flexible strength and keeps water and other external material out of your body. Keratinocytes provide this strength by producing a tough, triple-helix-shaped protein strand called keratin. Keratin is the primary constituent of skin, hair, nails and tooth enamel. The number of disulfide bonds that form between the three strands of the amino acid allow it to be flexible, as it is in skin and hair, or make it strong and hard, as it is in nails, animal hooves and tooth enamel. You can increase your keratin by consuming foods that are used to produce the keratin or by applying keratin-enhancing products topically. Most of the keratin we know of is actually dead — hair, skin, and nails are all formed from dead cells which the body sheds as new cells push up from underneath. Foods such as lean meat, chicken, fish, dairy, and beans provide the protein needed to help boost the body’s production of keratin.