The amount you can get is also dependent on whether you take the extended or standard home loan option. You can get a larger loan on the extended option, but though you pay less each month, you will spend a lot more money on interest.

Documents could include Unabridged birth certificates, ID documents, Passports, Passport Photos, Marriage Certificate, each country has its own requirements. Some countries require a police / criminal clearance. Find out either from the government website or the embassy in your country as to what you need, or alternatively find an agency that can do it all for you. An agency will let you know what you need to get and can assist you in obtaining the relevant documents.

The first step in this process is to start young. It doesn’t really matter what kind of charitable work you do, as long as it is for a recognized group, from a Lion’s or Elk’s Lodge on to a municipally to federally recognized organization. It can be a religious or secular organization, from your local church to a goodwill group.

Wear protective Clothing and accessories. You can wear a long sleeved shirt made of cool and light fabrics such as cotton to protect your body from the sun’s UV rays. It is also advisable to wear caps, hats and sunglasses when going out to protect your face from sun burns and premature skin aging.

Avoid spending time outside as much as possible. It is very important to be indoors or to at least seek some shade if you are outside when the sun’s damaging rays are at their strongest.

You can also try decorating a paperclip with ribbon or yarn or changing the color with peel off pens. Paperclips are an alternative way to secure your pictures to your scrapbook page without having to glue the photo down.

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