Bbc first timers

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British Broadcasting Corporation Home. Two first-time novelists have made the Booker Prize shortlist, while Sir Salman Rushdie, who was widely tipped for the award, failed to make the cut.

Aravind Adiga and Steve Toltz are in the running for the prestigious prize with their maiden novels. Michael Portillo, the Booker chair of judges, called the six final works "intensely readable", adding they are "extraordinary examples of imagination and narrative".

For the first time, extracts of each shortlisted novels will be available to download onto mobiles. This year's shortlist contains writers from a broad geographical spread, with two Indian authors, two from the UK, one from Ireland and one from Australia.

Indian first-time novelist Adiga is the youngest in the running at Hensher and Grant were both shortlisted in , but failed to scoop the prize.

The winner can expect to receive added recognition and an upturn in sales. Sir Salman, who made the longlist with his novel The Enchantress of Florence, was widely expected to proceed to the shortlist.

He first won in for his work Midnight's Children, which was named "Booker of Bookers" to mark the award's 40th anniversary earlier this year.

Midnight's Children also won a special award in for the literary prize's 25th anniversary. The falls are easily reached from either side of the Argentine-Brazilian border, as well as from nearby Paraguay.

Buenos Aires: The Argentine capital is one of the world's most exhilarating cities, with astounding art, fascinating neighbourhoods, fabulous food and a passionate population blazingly devoted to having fun all Bring a camera for Evita's grave.

Locally referred to as Glaciar Moreno, it measures 30km long, 5km wide and 60m high, but what makes it exceptional in the world of ice is its constant advance - up to 2m per day, causing building-sized icebergs to calve from its face.

In some ways, watching the glacier is a very sedentary park experience, but it manages to nonetheless be thrilling. More than 80, visitors per year visit this sanctuary, which has a total area of 3, sq km and more than km of coastline.

The wildlife viewing is truly exceptional: the peninsula is home to sea lions, elephant seals, guanacos, rheas, Magellanic penguins and numerous seabirds.

But the biggest attraction is the endangered ballena franca austral southern right whale. All offer tours and most finish proceedings with at least a small sampling of their produce.

Tierra del Fuego: Maybe it is the austral light, or just knowing that the next step south is Antarctica. Whatever it is, this trove of mystical islands, cut off from the northern world by the Straight of Magellan, is indescribably magical.

A storied past of shipwrecks, failed religious missions and indigenous extinction contributes to the powerful mystique of this end-of-the-earth location.

Travellers flock here to glimpse the furthest reaches of the continent, and ah - what a view it is! The barren northern plains of Tierra del Fuego give way to peat bogs and moss-draped lenga forests that rise into ragged snowy mountains.

Meanwhile offset mortgages - where a parent puts their money into a relevant savings account and offsets this against their child's mortgage - helps reduce the amount of interest payable on the mortgage.

With all these variables in mind you should really find out exactly how much you can borrow and more importantly the likely cost of the repayments from a qualified mortgage broker before you start looking for your new home.

There are many sources of mortgage advice. However, check the status of the adviser and company before proceeding. You may find some advisers are tied to one lender or network and are unable to advise on a selection of different products.

A multi-tie or independent broker can select from a panel or the whole of the market and may be able to find larger loans at better rates and help you chose the best deal that is available from a wider range of products.

There are other routes available. It is possible to choose your own mortgage by visiting the websites of brokers or mortgage lenders and transacting online - but be aware that these options do not involve advice.

Property hunt Armed with this information you can start to research areas and homes that you can afford and get on with the exciting part of viewing properties.

Remember - an asking price is just that and you don't always need to pay the full amount Visit a number of properties before making a decision.

Purchasing your first home is a big commitment and you need to be sure you've chosen wisely. Visit the home at different times of day and research what the area has to offer.

Ask how much typical bills are, for example monthly electricity, gas and council tax as this all helps with the affordability calculations of a new home.

Remember - an asking price is just that and you don't always need to pay the full amount. Use it as a basis for negotiation.

As soon as your offer is accepted you need to proceed with your mortgage application and conveyancing process the legal work.

Provided you initially visited a mortgage broker you should have already narrowed down the mortgage search and it is just a case of finding the best-priced product at this point.

But, you will need supporting documentation such as your payslips for the last three months, your most up-to-date P60, bank statements for the last three months, proof of address and proof of identification.

Ensure well in advance of making the application what exact documents your lender requires. Paying out This is now when the financial outlay begins.

Before looking to buy a house, carefully budget for fees as they can often mount up. Some lenders offer products that are 'fees free' - but remember you don't get something for nothing.

Bbc First Timers Video

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