There is no place in the world where you cannot find houses for rent or for sale, so you can plan to move anywhere in the world without any tension of finding a place to live. You just need to be little aware of the ways to find a reasonable house or apartment for rent or in case you have enough resources, a house for sale. A good market survey would be required to accurately access the market rate of the house you intend to buy according to its locality and facilities it provide.

It is not very hard to find out the houses for rent; however it is not an easy task to find appropriate one. If you are wise you would ask an expert to assist you in this and would never believe the words of the landlord without any confirmation and efforts. The real estate advisors are always present in every locality and they keep themselves up-to-date regarding the likely rent of the houses of their area. The agreement must be flexible to benefit both the parties so that in case of a sudden change in the market rent no one bears the loss.

The change in market rent could be because of numerous reasons which in general includes rise in utility bills, improvement in connectivity of the area like provision of new rail road or air port etc, climate changes, natural disasters in surrounding area or it could be something which we cannot even perceive at this time. Everything puts a pressure on the market price of the property. Now just like initial rent the renewal of rent after certain period of time should also be calculated according to the situation and changes in the associated parameters.

The rent of the surrounding houses is a big factor which puts pressure on the landlord to keep abreast with the neighbors. If you are moving at a new geographical area, then to start with, you must make a list of property specialists in that area. Then from that list you must contact a couple of them and talk to them about your intentions and find out what solution they can offer and at what price? The dealer generally takes 1% to 2% of the total cost; however, if the cost is very high then the percentage is always negotiable and may settle at a fixed price even irrespective of the cost of the property involved.

Last but not the least after finalizing the house its facilities and infrastructure must be checked for hygiene, life and security etc through experts. This is mandatory in case you tend to own or rent to own the house. This check up and quality shake down would let you know about the health of your deal and give you a fair idea as to how suitable is your decision and what would be its impact in times to come.

Special emphasis must be taken on the paint of the house and drainage system including plumbing pipes. Most of the pipes in the market have many a problem like rust; leaking etc. this inspection would save you costly plumbing repair and environmental cleanup bills later on. Likewise the paint of the house is also very critical as lead-based paint is considered hazardous to your health. It may even cause permanent damages. Sometimes just painting it over again also won’t solve the problem.

All mentioned issues would make your decision easier when you are searching houses for rent. It would also save you time and money instantly and health at later stage.

Click here for more information about houses for rent and housing related articles.

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New York City is one of the most costly places to live in. With real estate at an all time high in NYC it is almost useless to find an apartment in Manhattan that will allow you to live comfortably and affordable. In 6 stops you can begin to live in the Arista 35 and enjoy all ofg the finest amenities at a fraction of the cost. Located within 9 minutes from Manhattan Arista 35 offers all of the finest qualities that one would expect in a high end luxury condominium complex.

The pet friendly building complex “Arista 35″, which has a website that you can visit online at www.arista35.com offers the perfect solution to the over inflated pricing of New York City high end living. With high end finishes throughout one can experience bamboo flooring, private patios and balconies, whirlpool bathtubs, separate showers, mosaic-accented tiles, tons of closets, lots of storage, washer and dryer hookups in apartments and dining and entertainment close by. Every unit is internet ready and enabled with state of the art video security for your piece of mind

The building offers a state-of-the-art 24/7 virtual doorman and has underground parking available. Arista 35 amenities include: Video surveillance, keyless access control, elevator building, anticipated 15 year tax abatement, low maintenance fees, storage units, computer wiring throughout apartments, and secure drop-off area in lobby.

The condominiums are within walking distance to great dining, entertainment, shopping and museums. One of the most popular attractions in the area is Astoria Park, which offers track, tennis courts, basketball courts, and public swimming pools. In addition to the convenient buses and trains, major bridges and highways are right around the corner and LaGuardia and JFK Airports are only minutes away from Arista 35.

Queens NY has been known for it’s diversity and Astoria in particular for it’s small neighborhood where everyone knows each other and the quality of living with the affordable pricing of Queens.

We visited www.arista35.com and to our surprise found a high quality building with all of the amenities that were offered in the over priced condos in Manhattan. When we finally went down to look at the Arista 35 it was true, only 6 stops from Manhattan and the building was even nicer than the pictures on the website. We strongly recommend that you visit the Arista 35 to begin your journey towards better living.

Looking to find the best deal on Affordable Condos in New York City?, then visit http://www.arista35.com to find the best advice on State of The Art Luxury Condos with All High End Finishes and Security throughout.

Technorati Tags: apartments, buildings, condominiums, condos, luxury condos, Real Estate, residential buildings

There are times when you feel buried under a mountain of bills, that you’re trying to swim against the tide to get them paid, and the harder you work to solve the problem, the tougher it seems to find a way to get it fixed.

If you are in the position of being over 60 days past due with your mortgage payment, you might want to look at the idea of a loan modification as the simplest and effective answer to your problem since your low credit score isn’t an issue.

When you are in the process of seeking a home loan modification, it is quite apparent that you are struggling to meet your financial obligations, and you can no longer afford your mortgage. Your inability to make your payments in a timely fashion may be due to many reasons, including loss of income or other financial hardships. Your goal in pursuing a loan modification is to reduce your monthly payment to an amount that you can afford to pay.

If you utilize a company that is already part of the government modification program you have the option to either reduce the interest rate down to 2%, so it fits in with your current income, or ask to increase the term of your loan (up to 40 years)to allow you more time to pay the mortgage and save money.

If you want to modify your mortgage, there are a couple of ways to initiate the process. One way is to contact the mortgage company or bank directly, or you can hire a lawyer or a company that will act on your behalf to work out the terms of your home loan modification.

You must be realistic when considering the option of a mortgage loan modification. You need to know how much you can afford to pay on a monthly basis. Don’t be pressured to take out a loan with a company until you are completely aware of the terms, such as monthly payments, and the rate of interest the loan will carry.

Your smartest, and best choice would be to contact a company that is already involved with the government loan modification program. The companies involved with this program are in a position to offer modifications to people who have loans for more than the current value of the house, and are willing to help due to their government subsidies, where banks won’t do that.

To find more articles from Warren McCoy on home loans, mortgages, and assumable home loans, please stop by his website to find answers to your questions and a guide on mortgage assumption.

categories: mortgage assumption,assumable mortgage,home loans,mortgage loan,mortgages,personal finance,finance

Technorati Tags: assumable mortgage, finance, home loans, mortgage assumption, mortgage loan, mortgages, personal finance, Real Estate

Maybe you have heard it on the news recently: mortgage rates are lower than ever. A new wave of foreclosures has hit, and the market is full of affordable properties. This has inspired many people living in apartments, or with mom and dad, to buy their first home. The only problem? First-time homebuyers typically have no idea where to start, and often find themselves in major financial trouble. If you are one of the clueless, then here are a few tips and tricks to help you find the perfect home.

To Rent or To Buy: Buying a home may seem like the easy choice when you are paying rent for an apartment, but there are a few things to consider first. Your home will be one of the biggest investments in your life. Can you afford it? Many people forget to ask that simple question. An online mortgage calculator can help you figure out your potential house payments, but do not forget about other costs associated with home ownership. That leaky faucet in your apartment might be fixed for free, but in your house it will cost you. Some payment calculators do not include property taxes, either. Down payments are nearly impossible to finance anymore, so make sure you have at least 3. 5% of the purchase price… In cash. In the end, though, there are rewards for owning a home. Each mortgage payment is now an investment, and you are building equity. That money is not gone; you can still get it back someday down the road. Also, remember that your mortgage interest is tax deductible, which can help offset some of the cost.

Get educated: Ignorance may be bliss, but it is definitely not the best method for a successful home-buying experience. It may seem better to rush things and get a real estate agent right away, but what if you are not even sure what kind of home you want? Or how much you can afford? There are websites that can calculate your mortgage payments and let you see what kind of homes are in your price range. Free Internet open house searches are plentiful, and most have pictures of the interiors of the homes. You can even go to open houses on the weekends. Practically every street corner has an open house sign, and even if the home is outside your price range, seeing various houses will give you a better idea of what you want. Also, try to research the home-buying process. Find out the different types of loans available, the real estate lingo, and get an overview of the steps to owning a home. Read the Real Estate section of the newspaper, or check out some free books at the library. There is a wealth of information out there, so why not gather as much as you can?

Know Your Credit Score: The first thing any lender will do before pre-approving you is check your credit score. 650 used to be ok, but now even 700 is borderline. Before you end up with rejection staring you in the face, do your own credit self-check. As many a TV ad will tell you nowadays, you are entitled to one free credit report from each of the major credit bureaus. It may cost a few dollars to get your credit score, but it will be worth it in the long run. Once you know any weaknesses in your credit, you can develop a repair plan. Additionally, you need to take an in-depth look at your finances. Do you have enough in your savings to pay off most or all of your debt? A good debt-to-equity ratio is 40%. If you are not even sure what that ratio is, then see the tip about doing your research. For first-time buyers, there are options that might help you if your credit and finances are not exactly perfect. FHA loans only require a 3. 5% down payment, and having a close family member with good credit sign on as a co-borrower will help ensure that you get the home loan.

Stay Away from the Bullies: Who are these bullies? Lenders and real estate agents can both fit the bill. Their incomes are primarily commission-based, which means some of them will do anything to get your money. If you walk into a lender’s office, and they immediately try to talk you into a large loan, walk out. Never let the lender talk you into any financial situation where you think you might be in over your head. Ask plenty of questions, especially when you do not understand something, and expect honest answers. The same goes for your real estate agent. There are a lot of agents out there who will try to get a first-time homebuyer to go above his or her price range. They do this by showing you the nicer, high-priced homes first. Be firm. Tell your agent that you simply cannot go above a certain limit and stick to it. If you want more in a house than your price range allows, a good agent will be straightforward with you about that. In the end, the only person who will be living in the house is you, so you need to think carefully about your choices.

Compare Homes: Since almost any house can seem like an upgrade from an apartment, it is easy for a first-time homebuyer to want the first house they see. This is a big mistake. Compare, compare, compare. If your agent or the seller’s agent tells you there are multiple bids on the house, it could be a tactic to get you to buy, or it could be legitimate. Talk to your agent about the consequences of making an offer. Your initial offer is never set in stone, but make sure your agent is clear about the window of time for backing out. If you are going to make an offer on a home, visit it more than once, at different times of day if possible. Even simply driving by the house at night might give you a different perspective on the neighborhood. Be sure to take pictures inside the house so that you have a reference when those nagging questions come up.

It is so easy to get lost along the road to owning a home. Following these tips will put any first-time homebuyer on the right path. Of course, there will bumps along the way, but the reward at the end is the pride of ownership.

The author enjoys writing about home improvement, education, and health subjects. Visit his newest web site that discusses fabric roller shades and bamboo roman shades and more.

Technorati Tags: home, mortgage, Real Estate

In order to draw out the life and appearance of your building or apartment, proper maintenance is vital. But even if you can employ workers to do the inspecting and cleaning for you, it would be a superior idea if you just hire a company that provides Auckland building maintenance services. Such companies usually have the best people for the job. In the long run, outsourcing building maintenance services is typically more cost effective and sensible. Below are some of the services that you can be expecting from a usual building maintenance group in Auckland.

One of the more usual services you can be expecting from an Auckland building maintenance company is the cleaning of your building. This typically covers the polishing of floors, sweeping of corridors, sanitizing of toilets and common areas, and garbage disposal. Occasionally even the cleaning of windows, elevators and even gardens and patios are also built into the services.

It is also important to take notice of the cleaning materials, the uniform of the cleaning team, and even the equipment needed for the services as they can all be part of the service. This means that you do not have to provide tools like vacuum cleaners, floor polishers or other pricey equipment. However, you need to make this point clear when negotiating with a building maintenance company or private contractor.

Maintaining electrical upkeep is also one of the major services that Auckland building maintenance can offer you or your business. Simply replacing light fittings is not the only task that can be included in electrical maintenance. Fixing exposed lived wires, patching up wiring problems, examination of electrical supplies and prevention of short circuits are just some of the many things you can get from electrical maintenance. Putting up warning signs when there is work going on should be included in your agreement with the building maintenance company. Exposed wires and electrical problems can not only lead to fires but can also be fatal, so these are not things that you should ignore.

Plumbing is another general service that is offered by Auckland building maintenance service providers. Problems like clogged sinks, bath tubs and toilet bowls are some of the more widespread problems that people do not really like. Building maintenance workers are educated to mend and establish ways to thwart such disasters. Teaching tenants, office workers, family members, and putting up warning signs in publically accessible areas are just some of the tactics employed by service contractors to help foil the rise of drainage and plumbing issues.

Own a property and require Auckland Building Maintenance? Contact wedoo today for all your Property Maintenance demands.

Technorati Tags: auckland building maintenance, auckland building upkeep, auckland property maintenance, building maintenance, electrical upkeep, plumbing, property, property maintenance, property owners, Real Estate

Because of the bad economy people all over the country are going default on their loans and credit cards. The all around credit score for the average person is very low and people still need help. If you ever find yourself in a tricky situation, you can get out of it with a loan. Bad credit loans can be found all over the internet if you can look in the right place. Before you run off and start applying, make sure that you have everything that you need. Here are some tips that will guide you towards the right lender for a bad credit loan

You need to look at your credit score before you actually get started. Those who have bad credit typically have a score that is 500 or below. Now there are sites that will give you a free copy of your report on a trial basis. Simply look around and find out what your score is so that you can get the cash you need.

You should know how much money that you need in order to cover your extra expensive. There are various lenders that give out different amounts of money so know what you need ahead of time. Ensure that you do not apply for too much money. Getting the right amount will allow you to pay back that money with ease.

Once you have a better handle on the situation you should look into finding a legitimate website. There are plenty of online lenders that will provide a bad credit loan for those who are in need. Do a little bit of research and find out which site has the best rate and will give you the exact amount of money that you need.

All of your information needs to be in order before you apply for your bad credit loan. You will need to know your social security number, proof of employment and a bank account. Figure out that you make about $1500 a month, then you should get at least $500 as a loan!

When all of the information is set up and ready to go then you can start your application. Take your time and ensure that everything is accurate and filled out properly. Everything needs to be current and up to date so that your lender can validate everything. At the end: fill in your bank account information and wait for approval.

Before you sign anything make sure that all of the terms are correct. Pay attention to the payment record and the interest rates are fair. This will keep you from getting into any trouble when you need to start paying the loan back. Sometimes a predatory lender might try to add more fees or a higher rate to get your cash. Just pay attention and know what you should be looking for.

Bad credit loans are not hard to find. Simply take a look around and make sure that you can qualify for one of these loans. Once you have the right stuff, you will be a day away from getting yourself out of your sticky situation!

Chuck Lage writes articles on bad credit mortgages and bad credit mortgage refinance

categories: bad credit,loans,mortgage,refinance,house,debt consolidation,banks,money,jobs,advice,employment,real estate,blog

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A home purchasing deal will more than likely involve a seller’s agent. First time homebuyers should realize that a seller’s agent, or a sub-agent, should have the seller’s best interest in mind when doing transactions. In other words, a sub-agent is hired by the seller to forge a deal with a buyer.

Regulations vary from state to state, but there are certain things they cannot do according to national law. The author of ‘100 Questions Every Home Buyer Should Ask’ encourages all buyers to review the agent’s forms and disclosures thoroughly to understand exactly what types of services they will be offering; if you do not understand anything, do not sign the form. It’s also important to understand the key things that a seller’s agent can and cannot do for you:

The seller’s agent can provide you with detailed pricing lists of comparable homes in the area. These are often called ‘comps’ and are a compilation of similar homes in the neighborhood, listing information and their list prices. This information ensures that you are not offering, or being offered, an unreasonable price when it’s time to negotiate.

Seller’s agents cannot dictate, or otherwise pressure, home buyers into buying a home. The seller’s agent’s job is to facilitate the selling of a home but it doesn’t mean that they can force homebuyers into buying a home. You might be in a situation wherein you are deciding between two homes that are handled by one subagent. In this case, the seller’s agent cannot compel you to choose one home over the other.

A home’s flaws or defects cannot be pointed out by a seller’s agent. Basically, the seller’s agent cannot influence your purchasing decision. This means that you have to make your own assessment to determine the condition of a home. But, hidden material defects can be disclosed to the buyer.

It is illegal for seller’s agents to provide information regarding the best offer amount to homebuyers. Remember that a seller’s agent should be concerned with the interests of the seller first and foremost. Giving a tip to the buyer infringes on a seller’s agent’s relationship with the seller.

The seller’s agent can ask you for referrals. Many seller’s agents are independent business owners and always looking for new clients. They do have the right to ask you to refer them to friends or family members, and will do everything they can to make your home buying experience a good one.

When you are working with a seller’s agent as a first time home buyer, it’s important to remember that they are in the business to make the home buying process as easy as possible. This doesn’t always mean that they have your best interests in mind, so it’s important to do your own research about the property and work with a professional real estate agent in addition to the seller’s agent.

Author: Alexandria P. Anderson specializes helping people to find and purchase Real Estate in Plymouth, Minnesota as well as Plymouth Properties for her MN real estate clients.

Technorati Tags: finance - investment, finance and investing, finance and investment, Real Estate, real estate - buying/selling, Real Estate investing, real estate investment, real estate investments, real estate-housing

There are a number of classifieds websites on the internet, which are home to several posts and advertisements. Even though most of the available items in the website can be bought or sold, you can find apartment posted for rent. Prior to agreeing to rent apartments in Orlando from a person whom you met on classifieds, you should be clear on some points:

Monthly Rent of the Apartment

This is a vital question to ask, even if the monthly rent has been outlined in the online classified, from where you have received their information. Again, there are some owners having multiple apartments for rent and the listed property may not be available when you are making the application. Do not allow a mistake to cost you extra cash on rent. Do confirm the rent twice; once while seeing the apartment and again during the final signing.

Other Payments Apart from Rent

This is an important point that should be cleared, as there are possibilities of you being unable to afford the apartment in the longer run. There are numerous landlords, who ask for security deposits and upfront payment of rents. Other payments such as maintenance may also be required. If all these are also included, then you should definitely look for another option.

Required Personal Information

There questions not only enable you for preparing, when you are meeting with your landlord, but also saves you from getting caught in a scam. Most owners opt for having a background check on newer tenants. If you are caught in the grasp of scammers, they might use it as an opportunity to get your social security number. You should not refuse a check on personal information, but try not to provide your SSN to the landlord.

Check the Apartment

If the landlord is genuine, you are not going to be prohibited from visiting the apartment to be rented. However, scammer, who never gives you what is shown in the post, will always come up with a reason for not showing the apartment to you.

All these points are quite vital and should be kept in mind when you are looking to rent apartments in Orlando using online classifieds. You may end up repenting at a later stage, if being negligible in this regards costs you a lot of money and time apart from the hassle in your personal and financial life.

If moving to Central Florida and in the market for Orlando apartments, when it’s time to rent an apartment in Orlando, Florida can be a fantastic experience for loads of reasons.

Technorati Tags: Real Estate

Whether you are in your first apartment or your umpteenth, how you decorate your apartment is a big deal. Interior design and decor are a huge statement that you make to visitors on who exactly you are and what you like. Beyond that of course, how you decorate your apartment has a huge impact on your mood and your emotions. Here are some apartment decorating ideas to create a home out of a rental unit.

First of all, knowing that you are dealing with temporary housing is one of the most important apartment decorating ideas. Yes, you have signed a one year lease or have plans to stay in your apartment for years, but the truth is you are limited to some degree as to what your apartment decorating ideas can be in terms of permanence. A perfect example of this is wall treatment. You might have your heart set on a certain color for your bedroom – but you need to check with your landlord before making such a choice. In some cases, the landlord will allow you to paint, especially if it is an independent owner, so long as you paint it back to an off-white when you leave.

The point is, though, that apartment decorating ideas need to be simple, and relatively small. Again, even if you plan on staying in your apartment for a long period of time, it is entirely possible that things will occur, a relationship becomes serious or a great job offer in another city, and you will have to move. For that reason, one of the best apartment decorating ideas I can offer is to think mobile. Yes, that antique dresser might be beautiful, but what a pain to carry it out when you move. Since you have no idea really how long you might stay in any apartment, having lightweight furniture can be one of the best apartment decorating ideas you can have.

For that same reason, I recommend that you not spend a lot of money on your apartment decorating ideas. Of course, I am not suggesting that you go cheap on your home decor, but instead consider that even if you do move, it might be in your best interest to leave stuff behind. In which case, you will almost certainly not get full value for used furniture and might even not find a buyer. Donations are a great way to pass your furniture along and if you spent little on it, it won’t feel like such a hit to your wallet.

Apartment decorating ideas are tricky because you are only renting the apartment, as opposed to buying a condo or house. For this reason, you should consider lightweight and inexpensive furniture that you can move easily or get rid of quickly to move to your next apartment.

I like writing about apartment decorating and christian books on my romance book reviews website daily.

Technorati Tags: Apartment, apartment decorating, how to decorate, Real Estate

November 30, 2009 – Environmental Law Settlements, Decisions …
A lawsuit claims that East Bay Municipal Utility District violated state environmental law by omitting analysis of a proposed new Pardee Dam’s impacts on the Mokelumne River from its 2040 water plan review. The suit was filed by the nonprofit ….. Through November, the Bureau of Land Management got 6834 comments on Monsanto’s Blackfoot Bridge phosphate mine near the Idaho-Wyoming border. The agency will review them, to see if a proposed mining plan merits changes. …  read more…

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Year Built: 1981; Property Type: Residential Attached. Board: REBGV; Living Area: 855. Tax: $1983; Tax Year: 2009. Amenities: Lot Size: 0.0. Lot Frontage: Lot Depth: Basement: Property Style: End Unit,Upper Unit … 7.oxakbfmh.com/33 Plus Sized Model http://3.txzkbujon.com/d New Meadows Idaho Real Estate http://2.rxhywru.com/3j Drug Loss Safe Store Weight … 9.ilewahhx.com/3g Country Kitchen Islands http://7.thsswx.com/3v Electric Dirt . …  read more…

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1910 Forest Fire – A Glimpse Within the Gates of Hades
The 1910 Fire was the largest forest fire in American history, perhaps in the history of the world. Now, almost one hundred years later, the blackened ghosts of giant cedars stand in silent witness to…  read more…

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Resolved Question: citizenship english question translate to arabic ?
any one new anywebsite hit me up
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INS Citizenship Test Questions
The U.S. Citizenship and Immigration Services (USCIS) administers a test to all immigrants applying for citizenship. For years, these questions have been selected from among the following list of 100. How would you do? Many, you will find simple. Others are not so easy. In all cases, the answer USCIS wants to hear is given. (Study Materials and Guides)
NOTE: New Test Questions Coming Oct. 1, 2008
On Oct. 1, 2008 The USCIS will switch a new set of test questions. All applicants who file for naturalization on or after October 1, 2008 will be required to take the redesigned test. For those applicants who file prior to October 1, 2008 but are not interviewed until after October , 2008 (but before October 1, 2009), there will be an option of taking the new test or the current one.
________________________________________
Current USCIS Test Questions
(Click on the question to see the answer.)
1. What are the colors of our flag?
2. How many stars are there in our flag?
3. What color are the stars on our flag?
4. What do the stars on the flag mean?
5. How many stripes are there in the flag?
6. What color are the stripes?
7. What do the stripes on the flag mean?
8. How many states are there in the Union?
9. What is the 4th of July?
10. What is the date of Independence Day?
11. Independence from whom?
12. What country did we fight during the Revolutionary War?
13. Who was the first President of the United States?
14. Who is the President of the United States today?
15. Who is the vice-president of the United States today?
16. Who elects the President of the United States?
17. Who becomes President of the United States if the President should die?
18. For how long do we elect the President?
19. What is the Constitution?
20. Can the Constitution be changed?
21. What do we call a change to the Constitution?
22. How many changes or amendments are there to the Constitution?
23. How many branches are there in our government?
24. What are the three branches of our government?
25. What is the legislative branch of our government?
26. Who makes the laws in the United States?
27. What is the Congress?
28. What are the duties of Congress?
29. Who elects the Congress?
30. How many senators are there in Congress?
31. Can you name the two senators from your state?
32. For how long do we elect each senator?
33. How many representatives are there in Congress?
34. For how long do we elect the representatives?
35. What is the executive branch of our government?
36. What is the judiciary branch of our government?
37. What are the duties of the Supreme Court?
38. What is the supreme court law of the United States?
39. What is the Bill of Rights?
40. What is the capital of your state?
41. Who is the current governor of your state?
42. Who becomes President of the United States if the President and the vice-president should die?
43. Who is the Chief Justice of the Supreme Court?
44. Can you name thirteen original states?
45. Who said, “Give me liberty or give me death.”?
46. Which countries were our enemies during World War II?
47. What are the 49th and 50th states of the Union?
48. How many terms can the President serve?
49. Who was Martin Luther King, Jr.?
50. Who is the head of your local government?
51. According to the Constitution, a person must meet certain requirements in order to be eligible to become President. Name one of these requirements.
52. Why are there 100 Senators in the Senate?
53. Who selects the Supreme Court justice?
54. How many Supreme Court justice are there?
55. Why did the Pilgrims come to America?
56. What is the head executive of a state government called?
57. What is the head executive of a city government called?
58. What holiday was celebrated for the first time by the Americans colonists?
59. Who was the main writer of the Declaration of Independence?
60. When was the Declaration of Independence adopted?
61. What is the basic belief of the Declaration of Independence?
62. What is the national anthem of the United States?
63. Who wrote the Star-Spangled Banner?
64. Where does freedom of speech come from?
65. What is a minimum voting age in the United States?
66. Who signs bills into law?
67. What is the highest court in the United States?
68. Who was the President during the Civil War?
69. What did the Emancipation Declaration do?
70. What special group advises the President?
71. Which President is called the “Father of our country”?
72. What Immigration and Naturalization Service form is used to apply to become a naturalized citizen?
73. Who helped the Pilgrims in America?
74. What is the name of the ship that brought the Pilgrims to America?
75. What are the 13 original states of the U.S. called?
76. Name 3 rights of freedom guaranteed by the Bill of Rights.
77. Who has the power to declare the war?
78. What kind of government does the United States have?
79. Which President freed the slaves?
80. In what year was the Constitution written?
81. What are the first 10 amendments to the Constitution called?
82. Name one purpose of the United Nations?
83. Where does Congress meet?
84. Whose rights are guaranteed by the Constitution and the Bill of Rights?
85. What is the introduction to the Constitution called?
86. Name one benefit of being citizen of the United States.
87. What is the most important right granted to U.S. citizens?
88. What is the United States Capitol?
89. What is the White House?
90. Where is the White House located?
91. What is the name of the President’s official home?
92. Name the right guaranteed by the first amendment.
93. Who is the Commander in Chief of the U.S. military?
94. Which President was the first Commander in Chief of the U.S. military?
95. In what month do we vote for the President?
96. In what month is the new President inaugurated?
97. How many times may a Senator be re-elected?
98. How many times may a Congressman be re-elected?
99. What are the 2 major political parties in the U.S. today?
100. How many states are there in the United States today?
________________________________________
1. What are the colors of our flag?
Red, White, and Blue.
2. How many stars are there in our flag?
50
3. What color are the stars on our flag?
White.
4. What do the stars on the flag mean?
One for each state in the Union.
5. How many stripes are there in the flag?
13
6. What color are the stripes?
Red and White.
7. What do the stripes on the flag mean?
They represent the original 13 states.
8. How many states are there in the Union?
50
9. What is the 4th of July?
Independence Day.
10. What is the date of Independence Day?
July 4th
11. Independence from whom?
England
12. What country did we fight during the Revolutionary War?
England
13. Who was the first President of the United States?
George Washington
14. Who is the President of the United States today?
Currently George W. Bush
15. Who is the vice-president of the United States today?
Currently Richard B. (”Dick”) Cheney
16. Who elects the President of the United States?
The electoral college
17. Who becomes President of the United States if the President should die?
Vice – President
18. For how long do we elect the President?
Four years
19. What is the Constitution?
The supreme law of the land
20. Can the Constitution be changed?
Yes
21. What do we call a change to the Constitution?
An Amendment
22. How many changes or amendments are there to the Constitution?
27
23. How many branches are there in our government?
3
24. What are the three branches of our government?
Legislative, Executive, and Judiciary
25. What is the legislative branch of our government?
Congress
26. Who makes the laws in the United States?
Congress
27. What is the Congress?
The Senate and the House of Representatives
28. What are the duties of Congress?
To make laws
29. Who elects the Congress?
The people
30. How many senators are there in Congress?
100
31. Can you name the two senators from your state?
(insert local information)
32. For how long do we elect each senator?
6 years
33. How many representatives are there in Congress?
435
34. For how long do we elect the representatives?
2 years
35. What is the executive branch of our government?
The President, vice president, cabinet, and departments under the cabinet members
36. What is the judiciary branch of our government?
The Supreme Court
37. What are the duties of the Supreme Court?
To interpret laws
38. What is the supreme court law of the United States?
The Constitution
39. What is the Bill of Rights?
The first 10 amendments of the Constitution
40. What is the capital of your state?
(insert local information)
41. Who is the current governor of your state?
(insert local information)
42. Who becomes President of the United States if the President and the vice-president should die?
Speaker of the House of Representative
43. Who is the Chief Justice of the Supreme Court?
William Rehnquist (or whoever is next)
44. Can you name thirteen original states?
Connecticut, New Hampshire, New York, New Jersey, Massachusetts, Pennsylvania, Delaware, Virginia, North Carolina, South Carolina, Georgia, Rhode Island, and Maryland.
45. Who said, “Give me liberty or give me death.”?
Patrick Henry
46. Which countries were our enemies during World War II?
Germany, Italy, and Japan
47. What are the 49th and 50th states of the Union?
Hawaii and Alaska
48. How many terms can the President serve?
2
49. Who was Martin Luther King, Jr.?
A civil rights leader
50. Who is the head of your local government?
(insert local information)
51. According to the Constitution, a person must meet certain requirements in order to be eligible to become President. Name one of these requirements.
Must be a natural born citizen of the United States; must be at least 35 years old by the time he/she will serve; must have lived in the United States for at least 14 years.
52. Why are there 100 Senators in the Senate?
Two (2) from each state
53. Who selects the Supreme Court justice?
Appointed by the President
54. How many Supreme Court justice are there?
Nine (9)
55. Why did the Pilgrims come to America?
For religious freedom
56. What is the head executive of a state government called?
Governor
57. What is the head executive of a city government called?
Mayor
58. What holiday was celebrated for the first time by the Americans colonists?
Thanksgiving
59. Who was the main writer of the Declaration of Independence?
Thomas Jefferson
60. When was the Declaration of Independence adopted?
July 4, 1776
61. What is the basic belief of the Declaration of Independence?
That all men are created equal
62. What is the national anthem of the United States?
The Star-Spangled Banner
63. Who wrote the Star-Spangled Banner?
Francis Scott Key
64. Where does freedom of speech come from?
The Bill of Rights
65. What is a minimum voting age in the United States?
Eighteen (18)
66. Who signs bills into law?
The President
67. What is the highest court in the United States?
The Supreme Court
68. Who was the President during the Civil War?
Abraham Lincoln
69. What did the Emancipation Declaration do?
Freed many slaves
70. What special group advises the President?
The Cabinet
71. Which President is called the “Father of our country”?
George Washington
72. What Immigration and Naturalization Service form is used to apply to become a naturalized citizen?
Form N-400, Application to File Petition for Naturalization
73. Who helped the Pilgrims in America?
The American-Indians (Native Americans)
74. What is the name of the ship that brought the Pilgrims to America?
The Mayflower
75. What are the 13 original states of the U.S. called?
Colonies
76. Name 3 rights of freedom guaranteed by the Bill of Rights.
The right of freedom of speech, press, religion, peaceable assembly, and requesting change of government.
The right to bear arms (the right to have weapons or own a gun, though subject to certain regulations).
The government may not quarter, or house, soldiers in the people’s homes during peacetime without the people’s consent.
The government may not search or take a person’s property without a warrant.
A person may not be tried twice for the same crime and does not have to testify against him/herself.
A person charged with a crime still has some rights, such as the right to a trial and to have a lawyer.
The right to trial by jury in most cases.
Protects people against excessive or unreasonable fines or cruel and unusual punishment.
The people have rights other than those mentioned in the Constitution.
Any power not given to the federal government by the Constitution is a power of either the state or the people.
77. Who has the power to declare the war?
The Congress
78. What kind of government does the United States have?
Democracy
79. Which President freed the slaves?
Abraham Lincoln
80. In what year was the Constitution written?
1787
81. What are the first 10 amendments to the Constitution called?
The Bill of Rights
82. Name one purpose of the United Nations?
For countries to discuss and try to resolve world problems, to provide economic aid to many countries.
83. Where does Congress meet?
In the Capitol in Washington, D.C.
84. Whose rights are guaranteed by the Constitution and the Bill of Rights?
Everyone (citizens and non-citizens) living in U.S.
85. What is the introduction to the Constitution called?
The Preamble
86. Name one benefit of being citizen of the United States.
Obtain federal government jobs, travel with U.S. passport, petition for close relatives to come to the U.S. to live.
87. What is the most important right granted to U.S. citizens?
The right to vote
88. What is the United States Capitol?
The place where Congress meets
89. What is the White House?
The President’s official home
90. Where is the White House located?
Washington, D.C. (1600 Pennsylvania Avenue, N.W.)
91. What is the name of the President’s official home?
The White House
92. Name the right guaranteed by the first amendment.
Freedom of: speech, press, religion, peaceable assembly, and requesting change of the government.
93. Who is the Commander in Chief of the U.S. military?
The President
94. Which President was the first Commander in Chief of the U.S. military?
George Washington
95. In what month do we vote for the President?
November
96. In what month is the new President inaugurated?
January
97. How many times may a Senator be re-elected?
There is no limit
98. How many times may a Congressman be re-elected?
There is no limit
99. What are the 2 major political parties in the U.S. today?
Democratic and Republican
100. How many states are there in the United States today?
Fifty (50)

New Naturalization Test Questions
Beginning on Oct. 1, 2008, the U.S. Citizenship and Immigration Services (USCIS) will replace the set of questions currently used as part of the citizenship test with the questions listed here. All applicants who file for naturalization on or after October 1, 2008 will be required to take the new test. For those applicants who file prior to October 1, 2008 but are not interviewed until after October , 2008 (but before October 1, 2009), there will be an option of taking the new test or the current one.
New Test Questions and Answers
Some questions have more than one correct answer. In those cases, all acceptable answers are shown. All answers are shown exactly as worded by the U.S. Citizenship and Immigration Services.
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
AMERICAN GOVERNMENT
A. Principles of American Democracy
1. What is the supreme law of the land?
A: The Constitution
2. What does the Constitution do?
A: sets up the government
A: defines the government
A: protects basic rights of Americans
3. The idea of self-government is in the first three words of the Constitution. What are these words?
A: We the People
4. What is an amendment?
A: a change (to the Constitution)
A: an addition (to the Constitution)
5. What do we call the first ten amendments to the Constitution?
A: The Bill of Rights
6. What is one right or freedom from the First Amendment?*
A: speech
A: religion
A: assembly
A: press
A: petition the government
7. How many amendments does the Constitution have?
A: twenty-seven (27)
8. What did the Declaration of Independence do?
A: announced our independence (from Great Britain)
A: declared our independence (from Great Britain)
A: said that the United States is free (from Great Britain)
9. What are two rights in the Declaration of Independence?
A: life
A: liberty
A: pursuit of happiness
10. What is freedom of religion?
A: You can practice any religion, or not practice a religion.
11. What is the economic system in the United States?*
A: capitalist economy
A: market economy
12. What is the “rule of law”?
A: Everyone must follow the law.
A: Leaders must obey the law.
A: Government must obey the law.
A: No one is above the law.
B. System of Government
13. Name one branch or part of the government.*
A: Congress
A: legislative
A: President
A: executive
A: the courts
A: judicial
14. What stops one branch of government from becoming too powerful?
A: checks and balances
A: separation of powers
15. Who is in charge of the executive branch?
A: the President
16. Who makes federal laws?
A: Congress
A: Senate and House (of Representatives)
A: (U.S. or national) legislature
17. What are the two parts of the U.S. Congress?*
A: the Senate and House (of Representatives)
18. How many U.S. Senators are there?
A: one hundred (100)
19. We elect a U.S. Senator for how many years?
A: six (6)
20. Who is one of your state’s U.S. Senators?*
A: Answers will vary. [For District of Columbia residents and residents of U.S. territories, the answer is that D.C. (or the territory where the applicant lives) has no U.S. Senators.]
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
21. The House of Representatives has how many voting members?
A: four hundred thirty-five (435)
22. We elect a U.S. Representative for how many years?
A: two (2)
23. Name your U.S. Representative.
A: Answers will vary. [Residents of territories with nonvoting Delegates or resident Commissioners may provide the name of that Delegate or Commissioner. Also acceptable is any statement that the territory has no (voting) Representatives in Congress.]
24. Who does a U.S. Senator represent?
A: all people of the state
25. Why do some states have more Representatives than other states?
A: (because of) the state’s population
A: (because) they have more people
A: (because) some states have more people
26. We elect a President for how many years?
A: four (4)
27. In what month do we vote for President?*
A: November
28. What is the name of the President of the United States now?*
A: George W. Bush
A: George Bush
A: Bush
29. What is the name of the Vice President of the United States now?
A: Richard Cheney
A: Dick Cheney
A: Cheney
30. If the President can no longer serve, who becomes President?
A: the Vice President
31. If both the President and the Vice President can no longer serve, who becomes President?
A: the Speaker of the House
32. Who is the Commander in Chief of the military?
A: the President
33. Who signs bills to become laws?
A: the President
34. Who vetoes bills?
A: the President
35. What does the President’s Cabinet do?
A: advises the President
36. What are two Cabinet-level positions?
A: Secretary of Agriculture
A: Secretary of Commerce
A: Secretary of Defense
A: Secretary of Education
A: Secretary of Energy
A: Secretary of Health and Human Services
A: Secretary of Homeland Security
A: Secretary of Housing and Urban Development
A: Secretary of Interior
A: Secretary of State
A: Secretary of Transportation
A: Secretary of Treasury
A: Secretary of Veterans’ Affairs
A: Secretary of Labor
A: Attorney General
37. does the judicial branch do?
A: reviews laws
A: explains laws
A: resolves disputes (disagreements)
A: decides if a law goes against the Constitution
38. What is the highest court in the United States?
A: the Supreme Court
39. How many justices are on the Supreme Court?
A: nine (9)
40. Who is the Chief Justice of the United States?
A: John Roberts (John G. Roberts, Jr.)
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
41. Under our Constitution, some powers belong to the federal government. What is one power of the federal government?
A: to print money
A: to declare war
A: to create an army
A: to make treaties
42. Under our Constitution, some powers belong to the states. What is one power of the states?
A: provide schooling and education
A: provide protection (police)
A: provide safety (fire departments)
A: give a driver’s license
A: approve zoning and land use
43. Who is the Governor of your state?
A: Answers will vary. [Residents of the District of Columbia and U.S. territories without a Governor should say "we don't have a Governor."]
44. What is the capital of your state?*
A: Answers will vary. [District of Columbia residents should answer that D.C. is not a state and does not have a capital. Residents of U.S. territories should name the capital of the territory.]
45. What are the two major political parties in the United States?*
A: Democratic and Republican
46. What is the political party of the President now?
A: Republican (Party)
47. What is the name of the Speaker of the House of Representatives now?
A: (Nancy) Pelosi
C: Rights and Responsibilities
48. There are four amendments to the Constitution about who can vote. Describe one of them.
A: Citizens eighteen (18) and older (can vote).
A: You don’t have to pay (a poll tax) to vote.
A: Any citizen can vote. (Women and men can vote.)
A: A male citizen of any race (can vote).
49. What is one responsibility that is only for United States citizens?*
A: serve on a jury
A: vote
50. What are two rights only for United States citizens?
A: apply for a federal job
A: vote
A: run for office
A: carry a U.S. passport
51. What are two rights of everyone living in the United States?
A: freedom of expression
A: freedom of speech
A: freedom of assembly
A: freedom to petition the government
A: freedom of worship
A: the right to bear arms
52. What do we show loyalty to when we say the Pledge of Allegiance?
A: the United States
A: the flag
53. What is one promise you make when you become a United States citizen?
A: give up loyalty to other countries
A: defend the Constitution and laws of the United States
A: obey the laws of the United States
A: serve in the U.S. military (if needed)
A: serve (do important work for) the nation (if needed)
A: be loyal to the United States
54. How old do citizens have to be to vote for President?*
A: eighteen (18) and older
55. What are two ways that Americans can participate in their democracy?
A: vote
A: join a political party
A: help with a campaign
A: join a civic group
A: join a community group
A: give an elected official your opinion on an issue
A: call Senators and Representatives
A: publicly support or oppose an issue or policy
A: run for office
A: write to a newspaper
56. When is the last day you can send in federal income tax forms?*
A: April 15
57. When must all men register for the Selective Service?
A: at age eighteen (18)
A: between eighteen (18) and twenty-six (26)
AMERICAN HISTORY
A: Colonial Period and Independence
58. What is one reason colonists came to America?
A: freedom
A: political liberty
A: religious freedom
A: economic opportunity
A: practice their religion
A: escape persecution
59. Who lived in America before the Europeans arrived?
A: Native Americans
A: American Indians
60. What group of people was taken to America and sold as slaves?
A: Africans
A: people from Africa
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
61. Why did the colonists fight the British?
A: because of high taxes (taxation without representation)
A: because the British army stayed in their houses (boarding, quartering)
A: because they didn’t have self-government
62. Who wrote the Declaration of Independence?
A: (Thomas) Jefferson
63. When was the Declaration of Independence adopted?
A: July 4, 1776
64. There were 13 original states. Name three.
A: New Hampshire
A: Massachusetts
A: Rhode Island
A: Connecticut
A: New York
A: New Jersey
A: Pennsylvania
A: Delaware
A: Maryland
A: Virginia
A: North Carolina
A: South Carolina
A: Georgia
65. What happened at the Constitutional Convention?
A: The Constitution was written.
A: The Founding Fathers wrote the Constitution.
66. When was the Constitution written?
A: 1787
67. The Federalist Papers supported the passage of the U.S. Constitution. Name one of the writers.
A: (James) Madison
A: (Alexander) Hamilton
A: (John) Jay
A: Publius
68. What is one thing Benjamin Franklin is famous for?
A: U.S. diplomat
A: oldest member of the Constitutional Convention
A: first Postmaster General of the United States
A: writer of “Poor Richard’s Almanac”
A: started the first free libraries
69. Who is the “Father of Our Country”?
A: (George) Washington
70. Who was the first President?*
A: (George) Washington
B: 1800s
71. What territory did the United States buy from France in 1803?
A: the Louisiana Territory
A: Louisiana
72. Name one war fought by the United States in the 1800s.
A: War of 1812
A: Mexican-American War
A: Civil War
A: Spanish-American War
73. Name the U.S. war between the North and the South.
A: the Civil War
A: the War between the States
74. Name one problem that led to the Civil War.
A: slavery
A: economic reasons
A: states’ rights
75. What was one important thing that Abraham Lincoln did?*
A: freed the slaves (Emancipation Proclamation)
A: saved (or preserved) the Union
A: led the United States during the Civil War
76. What did the Emancipation Proclamation do?
A: freed the slaves
A: freed slaves in the Confederacy
A: freed slaves in the Confederate states
A: freed slaves in most Southern states
77. What did Susan B. Anthony do?
A: fought for women’s rights
A: fought for civil rights
C: Recent American History and Other Important Historical Information
78. Name one war fought by the United States in the 1900s.*
A: World War I
A: World War II
A: Korean War
A: Vietnam War
A: (Persian) Gulf War
79. Who was President during World War I?
A: (Woodrow) Wilson
80. Who was President during the Great Depression and World War II?
A: (Franklin) Roosevelt
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
81. Who did the United States fight in World War II?
A: Japan, Germany and Italy
82. Before he was President, Eisenhower was a general. What war was he in?
A: World War II
83. During the Cold War, what was the main concern of the United States?
A: Communism
84. What movement tried to end racial discrimination?
A: civil rights (movement)
85. What did Martin Luther King, Jr. do?*
A: fought for civil rights
A: worked for equality for all Americans
86. What major event happened on September 11, 2001 in the United States?
A: Terrorists attacked the United States.
87. Name one American Indian tribe in the United States.
[Adjudicators will be supplied with a complete list.]
A: Cherokee
A: Navajo
A: Sioux
A: Chippewa
A: Choctaw
A: Pueblo
A: Apache
A: Iroquois
A: Creek
A: Blackfeet
A: Seminole
A: Cheyenne
A: Arawak
A: Shawnee
A: Mohegan
A: Huron
A: Oneida
A: Lakota
A: Crow
A: Teton
A: Hopi
A: Inuit
INTEGRATED CIVICS
A: Geography
88. Name one of the two longest rivers in the United States.
A: Missouri (River)
A: Mississippi (River)
89. What ocean is on the West Coast of the United States?
A: Pacific (Ocean)
90. What ocean is on the East Coast of the United States?
A: Atlantic (Ocean)
91. Name one U.S. territory.
A: Puerto Rico
A: U.S. Virgin Islands
A: American Samoa
A: Northern Mariana Islands
A: Guam
92. Name one state that borders Canada.
A: Maine
A: New Hampshire
A: Vermont
A: New York
A: Pennsylvania
A: Ohio
A: Michigan
A: Minnesota
A: North Dakota
A: Montana
A: Idaho
A: Washington
A: Alaska
93. Name one state that borders Mexico.
A: California
A: Arizona
A: New Mexico
A: Texas
94. What is the capital of the United States?*
A: Washington, D.C.
95. Where is the Statue of Liberty?*
A: New York (Harbor)
A: Liberty Island
[Also acceptable are New Jersey, near New York City, and on the Hudson (River).]
B. Symbols
96. Why does the flag have 13 stripes?
A: because there were 13 original colonies
A: because the stripes represent the original colonies
97. Why does the flag have 50 stars?*
A: because there is one star for each state
A: because each star represents a state
A: because there are 50 states
98. What is the name of the national anthem?
A: The Star-Spangled Banner
C: Holidays
99. When do we celebrate Independence Day?*
A: July 4
100. Name two national U.S. holidays.
A: New Year’s Day
A: Martin Luther King, Jr., Day
A: Presidents’ Day
A: Memorial Day
A: Independence Day
A: Labor Day
A: Columbus Day
A: Veterans Day
A: Thanksgiving
A: Christmas

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Resolved Question: I sold my house I need help moving, We are on SSI & disability, & have 3 Great Danes. Where do I go for help?
We have 2 Harley Davidson’s , a Motor Home, 3 cars,& 1 1966 Chev. Panel truck to move & years of accumilation to move. How do we go about moving the cheapest way possible? We are hopefully moving to the Salmon River in Idaho about 300miles away, but not right after the closing on my house. We will have a couple weeks in between the closing on my house & the closing on the MT. property. I am very open to suggestions. We are unable to do the whole thing by ourselves.

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