What are the things need to do while starting an insurance policy?

I am going to start an insurance policy in Newyork life insurance policy. I am taking policy through one of my friends. I just want to know what are the things I need to ask them for clarification while taking this insurance policy. I am not aware of the interest rate or any other benefits. Can you pls guide me with this?

What is the best way to buy a house in Tacoma or Lakewood WA?

We are looking for to buy a house and .
There are so many agents and websites and prices listed.
Do we need to go through a real estate agent only?
Is there any Government agency which can help us find a cheap deal or should we contact banks if they have foreclosure properties.
Please guide us,we are confused on how to find a cheap deal.

How do I fill up ITR 4 form to file my tax return?

Hi I'm a salaried professional. I also do invest in share market both intraday and delivery. My total profit in short term delivery shares is 10K and my loss in intraday trading is around 50K. How do I fill up the ITR 4 form? Can someone please guide?