6-1 The First Steps to Home Ownership
•Download as PPTX, PDF•
0 likes•387 views
This document discusses the key considerations and steps for first-time home buyers. It explains that buyers should assess if they plan to stay in the home for at least 3 years and save for a down payment of at least 20% to avoid private mortgage insurance. Lenders determine how much can be borrowed by multiplying annual income by a multiplier based on interest rates, usually 2.5-4.6 times income. Buyers must also save for closing costs of 2-3% of the home price in addition to the down payment.
Report
Share
Report
Share
Recommended
Buy Vs. Rent Slide Show
This document discusses the benefits of homeownership over renting. It notes that nearly 1/3 of households rent currently. It argues that as long as the local job market remains strong, home prices will continue to appreciate moderately at a rate of 4-7% annually rather than declining. It then shows that over a 5-year period, the total cost of renting would be nearly $100,000, while owning a $300,000 home with a modest down payment could yield a net worth increase of over $100,000 due to paying down the mortgage and home appreciation. It encourages potential buyers to take advantage of tax breaks that come with homeownership to lower their monthly costs compared to renting.
Unit 6 Renting vs. Buying
This document discusses various factors to consider when deciding whether to rent or buy a home. It covers the advantages and costs of renting, as well as assessing readiness to buy a home and determining how much money can be borrowed for a mortgage. Key factors discussed include existing debt, income, interest rates, down payments, closing costs, and more. The document provides examples to calculate maximum borrowing amounts and estimates of various homeownership costs.
Owning vs. Renting a Home - It's a Money Thing
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Top 5 Reasons to Buy vs. Rent
Buying a home has several advantages over renting according to the document. It allows for creative freedom to remodel and decorate as desired. It offers investment potential through home appreciation which can outpace other investments. There are also tax benefits like deducting mortgage interest and property taxes which can make ownership more affordable than renting. In addition, mortgage payments remain fixed unlike rent which can increase, and homeownership acts as forced savings by building equity over time rather than benefiting landlords.
The cost of owning
The document discusses the costs of home ownership and factors to consider before buying a home. It addresses expenses like mortgage payments, taxes, and maintenance. It also discusses how to calculate the maximum amount lenders will allow you to borrow based on your income and interest rates. Key factors in determining affordability include existing debt, monthly housing expenses not exceeding 38% of gross income, and being able to borrow up to 2.5-4.6 times income depending on interest rates. The document provides worksheets and examples for calculating mortgage amounts.
Demystifying Mortgages - It's a Money Thing
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Living on Your Own - It's a Money Thing
This document provides guidance for budgeting and planning expenses when first moving out on your own. It recommends building a detailed budget that accounts for 30% of income going to housing costs and other spending categories like food, transportation, and savings. Common one-time costs for moving include first month's rent, a security deposit, moving truck rental, furniture, and other supplies. Rent amounts can vary significantly in different cities, from over $3,800 in San Francisco to under $900 in Indianapolis. Thorough financial preparation is key to affordably securing your first apartment.
The cost of owning
This document discusses the costs of home ownership. It notes that homeowners should plan to stay in a home for at least 3-5 years to offset expenses. Expenses include the mortgage, taxes, insurance, maintenance, and fees. The document provides formulas and examples for calculating the maximum loan amount, monthly mortgage payments, property taxes, maintenance costs, insurance, and total housing costs. It also discusses how mortgage interest and property taxes can provide tax benefits for homeowners.
Recommended
Buy Vs. Rent Slide Show
This document discusses the benefits of homeownership over renting. It notes that nearly 1/3 of households rent currently. It argues that as long as the local job market remains strong, home prices will continue to appreciate moderately at a rate of 4-7% annually rather than declining. It then shows that over a 5-year period, the total cost of renting would be nearly $100,000, while owning a $300,000 home with a modest down payment could yield a net worth increase of over $100,000 due to paying down the mortgage and home appreciation. It encourages potential buyers to take advantage of tax breaks that come with homeownership to lower their monthly costs compared to renting.
Unit 6 Renting vs. Buying
This document discusses various factors to consider when deciding whether to rent or buy a home. It covers the advantages and costs of renting, as well as assessing readiness to buy a home and determining how much money can be borrowed for a mortgage. Key factors discussed include existing debt, income, interest rates, down payments, closing costs, and more. The document provides examples to calculate maximum borrowing amounts and estimates of various homeownership costs.
Owning vs. Renting a Home - It's a Money Thing
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Top 5 Reasons to Buy vs. Rent
Buying a home has several advantages over renting according to the document. It allows for creative freedom to remodel and decorate as desired. It offers investment potential through home appreciation which can outpace other investments. There are also tax benefits like deducting mortgage interest and property taxes which can make ownership more affordable than renting. In addition, mortgage payments remain fixed unlike rent which can increase, and homeownership acts as forced savings by building equity over time rather than benefiting landlords.
The cost of owning
The document discusses the costs of home ownership and factors to consider before buying a home. It addresses expenses like mortgage payments, taxes, and maintenance. It also discusses how to calculate the maximum amount lenders will allow you to borrow based on your income and interest rates. Key factors in determining affordability include existing debt, monthly housing expenses not exceeding 38% of gross income, and being able to borrow up to 2.5-4.6 times income depending on interest rates. The document provides worksheets and examples for calculating mortgage amounts.
Demystifying Mortgages - It's a Money Thing
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Living on Your Own - It's a Money Thing
This document provides guidance for budgeting and planning expenses when first moving out on your own. It recommends building a detailed budget that accounts for 30% of income going to housing costs and other spending categories like food, transportation, and savings. Common one-time costs for moving include first month's rent, a security deposit, moving truck rental, furniture, and other supplies. Rent amounts can vary significantly in different cities, from over $3,800 in San Francisco to under $900 in Indianapolis. Thorough financial preparation is key to affordably securing your first apartment.
The cost of owning
This document discusses the costs of home ownership. It notes that homeowners should plan to stay in a home for at least 3-5 years to offset expenses. Expenses include the mortgage, taxes, insurance, maintenance, and fees. The document provides formulas and examples for calculating the maximum loan amount, monthly mortgage payments, property taxes, maintenance costs, insurance, and total housing costs. It also discusses how mortgage interest and property taxes can provide tax benefits for homeowners.
A khomespresentation
The document describes private mortgage investment as a high yield, low risk investment opportunity. It outlines how private mortgage investments work, comparing them favorably to other conventional investment vehicles like CDs and stocks in terms of safety, security, predictability, control and return. Private mortgage investments offer secured, predictable returns through first or second mortgage loans at interest rates of 8-13% and loan-to-value ratios of 70-95%, providing both principal protection and high returns.
Private Lending Opportunity
J ZAPPA REALTY CORP offers qualified individuals and corporations a way to utilize their available funds to achieve the highest returns on their principal through Private Mortgage Lending . This is a proven investment strategy that has been used by the most sophisticated of investors. By offering first lien positions on our properties, we can offer between a 4 - 10% return secured by a mortgage - a mortgage on properties with built-in equity as these deals were negotiated with lenders and purchased below market value.
West Presentation Updated
This document discusses the financial considerations of leasing versus owning commercial property. It provides a sample case study comparing the costs of leasing a 2,500 square foot property versus purchasing it with a loan. Over 20 years, owning provides significant financial advantages over leasing due to appreciation, principal paydown, and tax benefits from depreciation. Current economic conditions make 2009-2010 a good time to purchase due to low interest rates, reduced construction costs, and moderated property prices.
Crawford And Associates Mortgage 101Seminar
The document summarizes the key topics that were to be covered in a mortgage 101 seminar presented by Crawford & Associates, including:
- How to find the right lender and mortgage, different types of mortgages and terms, and requirements for conforming vs. alternative lenders.
- Factors that affect credit worthiness and credit scores, which directly impact approved loan amounts and interest rates.
- Key considerations like income, debt ratios, appraisals, loan-to-value ratios, taxes, insurance, responsibilities of borrowers, and payment options.
What’S Going On In Financial Markets
This is a presentation I gave to non-financial people at the end of 2007 that explained how the housing market came to bring down some of the largest financial institutions and ultimately the world economy
Aggressive repc knowing your options
This document discusses strategies for real estate transactions. It compares taking out a larger loan to cover closing costs versus keeping the loan smaller and using lender credits to pay costs. The document shows that by keeping the sales price lower and using lender credits, the buyer gains equity faster over time. In 20 months, they avoid paying an extra $7,500 and gain $7,100 in additional equity compared to raising the loan amount. The overall message is that keeping sales prices lower and using lender credits benefits both buyers and sellers.
Advantages of homeownership
Becoming a homeowner comes with a lot of responsibility, but also a lot of rewards. To help you decide if owning a home makes the most sense for you, here are some of the main reasons people choose homeownership over renting.
Unit 6 Renting vs. Owning
This document discusses various factors to consider when deciding between renting and owning a home. It covers the costs and advantages of both options over the long run. When considering buying a home, homeowners must determine how much they can afford to borrow from lenders. This depends on their income, existing debt, and interest rates. Buyers also need to save for a down payment, closing costs, and ongoing housing expenses like property taxes, insurance, and maintenance. Fixed-rate and adjustable-rate mortgages each have pros and cons to evaluate. Understanding total monthly costs is essential for determining readiness to purchase a home.
Brief v2 first time home buyer presentation
This document outlines the home buying process and things to consider when purchasing a home. It discusses establishing goals, choosing professionals, saving for a down payment, getting pre-approved by lenders who will consider credit history and ability to repay, and calculating how much home you can afford based on income, down payment, and debt. It then covers making an offer, mortgage options, qualifying ratios for debt service, and provides examples of calculating financing and mortgage payments.
Personal Finance 101 with WealthBar
This document provides an overview of personal finance topics including retirement, estate planning, renting vs owning, mortgages, taxes, insurance, disability, investing, and choosing a financial advisor. Key points covered include comparing the costs of owning vs renting a home, factors that determine insurance needs, the importance of disability coverage, issues with commission-based financial advisors, benefits of fee-only advisors, and tools for researching investments and advisors.
How to Get the Best Mortgage for Your Salary
Getting the best mortgage requires preparation including reviewing your credit report regularly, improving your credit score and debt-to-income ratio, and planning for a sizable down payment which can save on interest and fees. It also means shopping rates from multiple local lenders and feeling confident in your choice of lender before committing to lock in an interest rate. Entering the process well-prepared increases the chances of mortgage success.
Buy vs. Rent
The document discusses key factors to consider when deciding whether to rent or buy a home, such as location, budget, and timeline. It outlines some benefits of owning a home like anticipated appreciation, tax deductions, equity building, and pride of ownership. Conversely, it notes disadvantages of renting like being subject to a landlord's rules and potential rent increases. As an example, it calculates that buying a $280k home with a mortgage would effectively cost $185 per month less than renting, after accounting for tax savings and appreciation. Overall, the document provides an overview of financial considerations and resources for determining whether renting or buying makes most sense.
The power of purchase
The document compares the financial considerations of renting versus buying a home. Key factors in the decision include location, anticipated length of stay, and budget. Buying a home offers tax benefits like deducting mortgage interest and property taxes. It also allows building equity over time as the home appreciates in value. However, buying requires a larger initial investment for a down payment and closing costs. The document uses an example in Centreville, VA to show how buying could save over $16,000 per year compared to renting after accounting for tax benefits and home appreciation. It provides resources for calculating the rent vs buy analysis and describes various loan programs like FHA that offer lower down payment options.
Home equity loans
Home equity loans work best if there is a need for a huge amount. Such loans are much cheaper than personal loans or credit card loans.
Blog: http://thetazero.com/news/a-brief-on-home-equity-loans
Vhda july 2010
The document provides information on various types of loans available from the Virginia Housing Development Authority (VHDA) for first-time homebuyers. It outlines the basic qualifications, including a maximum income of $97,500 for 1-2 persons or $112,950 for 3+ persons. The process involves three stages: preparation where applicants develop a spending plan and gather documents; pre-approval where credit is checked and an application is submitted; and approval where the loan is finalized if qualified. Key factors reviewed include credit score, loan-to-value ratio, and debt-to-income ratio.
Leasing vs. Buying a New Car - It's a Money Thing
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Renting vs. Buying
This document compares the pros and cons of renting versus buying a home. Some key points discussed include:
- Renting provides mobility and avoids large down payment costs, but rent payments do not build equity over time. Rent is also subject to increases.
- Buying a home allows building equity over time and provides tax benefits, but the homeowner bears costs for maintenance and repairs. Property taxes and homeowner's insurance are also expenses.
- When considering buying, factors like income, credit score, debt-to-income ratio, plans to stay in the area long-term, and ability to pay upfront costs like down payments and closing fees must be evaluated to determine financial readiness. Advice is provided
Regional summit ppt4 mortgage lending
This document discusses real estate lending and how it has changed since 2007. It notes that lending guidelines are more strict, as not all highly qualified borrowers will be approved for loans. It provides an overview of the loan approval process and timeline. It highlights what sets the company apart in real estate lending, including relationships with lenders that offer certain programs and exceptions for investment properties. The goal is to help clients create, manage and protect wealth through real estate investments and comprehensive planning.
Expresso November 2010
The document discusses interest rates in Australia and predictions about their future movement. It predicts that rates will rise to 5.7% by 2011 due to inflationary pressure from the mining boom. It also discusses the strength of the Australian dollar and how that could prevent rate hikes by the Reserve Bank but that relief from hikes is believed to be temporary. It advises property investors to review their mortgage options and consider fixing their rates given predictions of further rises.
Investors Toolkit
This presentation discusses rental property as an investment opportunity with average annual returns of 11% over 5 years. Single family homes have the highest returns but also the most risk, while multifamily and commercial properties require more management skills. Current market conditions of high rental demand and low mortgage rates make properties easy to purchase and profit from. The document recommends rental property to conservative investors looking for growth, and estimates a $24,500 initial investment could be worth $38,900 after 5 years of appreciation and rent payments exceeding the mortgage. Contact details are provided for those interested in learning more.
PPT Presentation
The document provides steps for creating an effective presentation using PowerPoint:
1. Reflect on the purpose, significance, and intended audience of the presentation.
2. Organize ideas into 3 main points with supporting details and design an attention-grabbing opening and closing.
3. Outline main points and details to create a draft presentation.
4. Design visual elements like backgrounds, graphics, charts and text formatting to complement the content and engage the audience.
5. Edit for spelling, grammar, organization and formatting. Publish the final presentation online and embed it on a website.
Justin My Top 3 College Choices
This document summarizes and compares the writer's top 3 college choices: Cal State University Channel Islands, University of California Santa Barbara, and Cal Poly San Luis Obispo. It provides details on average GPA, test scores, financial aid, popular majors, campus characteristics, and pros and cons for each school. While the sizes differ significantly between the options, the writer likes the campuses and locations of all 3 schools and has not experienced any changes in interest after visiting.
More Related Content
What's hot
A khomespresentation
The document describes private mortgage investment as a high yield, low risk investment opportunity. It outlines how private mortgage investments work, comparing them favorably to other conventional investment vehicles like CDs and stocks in terms of safety, security, predictability, control and return. Private mortgage investments offer secured, predictable returns through first or second mortgage loans at interest rates of 8-13% and loan-to-value ratios of 70-95%, providing both principal protection and high returns.
Private Lending Opportunity
J ZAPPA REALTY CORP offers qualified individuals and corporations a way to utilize their available funds to achieve the highest returns on their principal through Private Mortgage Lending . This is a proven investment strategy that has been used by the most sophisticated of investors. By offering first lien positions on our properties, we can offer between a 4 - 10% return secured by a mortgage - a mortgage on properties with built-in equity as these deals were negotiated with lenders and purchased below market value.
West Presentation Updated
This document discusses the financial considerations of leasing versus owning commercial property. It provides a sample case study comparing the costs of leasing a 2,500 square foot property versus purchasing it with a loan. Over 20 years, owning provides significant financial advantages over leasing due to appreciation, principal paydown, and tax benefits from depreciation. Current economic conditions make 2009-2010 a good time to purchase due to low interest rates, reduced construction costs, and moderated property prices.
Crawford And Associates Mortgage 101Seminar
The document summarizes the key topics that were to be covered in a mortgage 101 seminar presented by Crawford & Associates, including:
- How to find the right lender and mortgage, different types of mortgages and terms, and requirements for conforming vs. alternative lenders.
- Factors that affect credit worthiness and credit scores, which directly impact approved loan amounts and interest rates.
- Key considerations like income, debt ratios, appraisals, loan-to-value ratios, taxes, insurance, responsibilities of borrowers, and payment options.
What’S Going On In Financial Markets
This is a presentation I gave to non-financial people at the end of 2007 that explained how the housing market came to bring down some of the largest financial institutions and ultimately the world economy
Aggressive repc knowing your options
This document discusses strategies for real estate transactions. It compares taking out a larger loan to cover closing costs versus keeping the loan smaller and using lender credits to pay costs. The document shows that by keeping the sales price lower and using lender credits, the buyer gains equity faster over time. In 20 months, they avoid paying an extra $7,500 and gain $7,100 in additional equity compared to raising the loan amount. The overall message is that keeping sales prices lower and using lender credits benefits both buyers and sellers.
Advantages of homeownership
Becoming a homeowner comes with a lot of responsibility, but also a lot of rewards. To help you decide if owning a home makes the most sense for you, here are some of the main reasons people choose homeownership over renting.
Unit 6 Renting vs. Owning
This document discusses various factors to consider when deciding between renting and owning a home. It covers the costs and advantages of both options over the long run. When considering buying a home, homeowners must determine how much they can afford to borrow from lenders. This depends on their income, existing debt, and interest rates. Buyers also need to save for a down payment, closing costs, and ongoing housing expenses like property taxes, insurance, and maintenance. Fixed-rate and adjustable-rate mortgages each have pros and cons to evaluate. Understanding total monthly costs is essential for determining readiness to purchase a home.
Brief v2 first time home buyer presentation
This document outlines the home buying process and things to consider when purchasing a home. It discusses establishing goals, choosing professionals, saving for a down payment, getting pre-approved by lenders who will consider credit history and ability to repay, and calculating how much home you can afford based on income, down payment, and debt. It then covers making an offer, mortgage options, qualifying ratios for debt service, and provides examples of calculating financing and mortgage payments.
Personal Finance 101 with WealthBar
This document provides an overview of personal finance topics including retirement, estate planning, renting vs owning, mortgages, taxes, insurance, disability, investing, and choosing a financial advisor. Key points covered include comparing the costs of owning vs renting a home, factors that determine insurance needs, the importance of disability coverage, issues with commission-based financial advisors, benefits of fee-only advisors, and tools for researching investments and advisors.
How to Get the Best Mortgage for Your Salary
Getting the best mortgage requires preparation including reviewing your credit report regularly, improving your credit score and debt-to-income ratio, and planning for a sizable down payment which can save on interest and fees. It also means shopping rates from multiple local lenders and feeling confident in your choice of lender before committing to lock in an interest rate. Entering the process well-prepared increases the chances of mortgage success.
Buy vs. Rent
The document discusses key factors to consider when deciding whether to rent or buy a home, such as location, budget, and timeline. It outlines some benefits of owning a home like anticipated appreciation, tax deductions, equity building, and pride of ownership. Conversely, it notes disadvantages of renting like being subject to a landlord's rules and potential rent increases. As an example, it calculates that buying a $280k home with a mortgage would effectively cost $185 per month less than renting, after accounting for tax savings and appreciation. Overall, the document provides an overview of financial considerations and resources for determining whether renting or buying makes most sense.
The power of purchase
The document compares the financial considerations of renting versus buying a home. Key factors in the decision include location, anticipated length of stay, and budget. Buying a home offers tax benefits like deducting mortgage interest and property taxes. It also allows building equity over time as the home appreciates in value. However, buying requires a larger initial investment for a down payment and closing costs. The document uses an example in Centreville, VA to show how buying could save over $16,000 per year compared to renting after accounting for tax benefits and home appreciation. It provides resources for calculating the rent vs buy analysis and describes various loan programs like FHA that offer lower down payment options.
Home equity loans
Home equity loans work best if there is a need for a huge amount. Such loans are much cheaper than personal loans or credit card loans.
Blog: http://thetazero.com/news/a-brief-on-home-equity-loans
Vhda july 2010
The document provides information on various types of loans available from the Virginia Housing Development Authority (VHDA) for first-time homebuyers. It outlines the basic qualifications, including a maximum income of $97,500 for 1-2 persons or $112,950 for 3+ persons. The process involves three stages: preparation where applicants develop a spending plan and gather documents; pre-approval where credit is checked and an application is submitted; and approval where the loan is finalized if qualified. Key factors reviewed include credit score, loan-to-value ratio, and debt-to-income ratio.
Leasing vs. Buying a New Car - It's a Money Thing
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Renting vs. Buying
This document compares the pros and cons of renting versus buying a home. Some key points discussed include:
- Renting provides mobility and avoids large down payment costs, but rent payments do not build equity over time. Rent is also subject to increases.
- Buying a home allows building equity over time and provides tax benefits, but the homeowner bears costs for maintenance and repairs. Property taxes and homeowner's insurance are also expenses.
- When considering buying, factors like income, credit score, debt-to-income ratio, plans to stay in the area long-term, and ability to pay upfront costs like down payments and closing fees must be evaluated to determine financial readiness. Advice is provided
Regional summit ppt4 mortgage lending
This document discusses real estate lending and how it has changed since 2007. It notes that lending guidelines are more strict, as not all highly qualified borrowers will be approved for loans. It provides an overview of the loan approval process and timeline. It highlights what sets the company apart in real estate lending, including relationships with lenders that offer certain programs and exceptions for investment properties. The goal is to help clients create, manage and protect wealth through real estate investments and comprehensive planning.
Expresso November 2010
The document discusses interest rates in Australia and predictions about their future movement. It predicts that rates will rise to 5.7% by 2011 due to inflationary pressure from the mining boom. It also discusses the strength of the Australian dollar and how that could prevent rate hikes by the Reserve Bank but that relief from hikes is believed to be temporary. It advises property investors to review their mortgage options and consider fixing their rates given predictions of further rises.
Investors Toolkit
This presentation discusses rental property as an investment opportunity with average annual returns of 11% over 5 years. Single family homes have the highest returns but also the most risk, while multifamily and commercial properties require more management skills. Current market conditions of high rental demand and low mortgage rates make properties easy to purchase and profit from. The document recommends rental property to conservative investors looking for growth, and estimates a $24,500 initial investment could be worth $38,900 after 5 years of appreciation and rent payments exceeding the mortgage. Contact details are provided for those interested in learning more.
What's hot (20)
Viewers also liked
PPT Presentation
The document provides steps for creating an effective presentation using PowerPoint:
1. Reflect on the purpose, significance, and intended audience of the presentation.
2. Organize ideas into 3 main points with supporting details and design an attention-grabbing opening and closing.
3. Outline main points and details to create a draft presentation.
4. Design visual elements like backgrounds, graphics, charts and text formatting to complement the content and engage the audience.
5. Edit for spelling, grammar, organization and formatting. Publish the final presentation online and embed it on a website.
Justin My Top 3 College Choices
This document summarizes and compares the writer's top 3 college choices: Cal State University Channel Islands, University of California Santa Barbara, and Cal Poly San Luis Obispo. It provides details on average GPA, test scores, financial aid, popular majors, campus characteristics, and pros and cons for each school. While the sizes differ significantly between the options, the writer likes the campuses and locations of all 3 schools and has not experienced any changes in interest after visiting.
6-3 Financing Your Home
This document provides an overview of key considerations for financing a home, including adjustable vs fixed rate mortgages, 15-year vs 30-year terms, and factors in choosing a lender. It explains that fixed rate mortgages have stable monthly payments but may have a higher interest rate overall, while adjustable rate mortgages can have lower initial interest but carry risk of rate increases. Choosing a lender involves balancing factors like rates, fees, and reputation. The document aims to help readers understand their financing options and choose the best mortgage for their needs and risk tolerance.
Unit 4 The Accounting Cycle
This document discusses source documents and accounting journals. It defines source documents as the original records of transactions, such as invoices and receipts. It describes the purpose and contents of accounting journals, which record debit and credit entries in chronological order. Journals include explanations of transactions and cross-references to source documents for verification. The different types of specialized journals are outlined.
Graphical Representations of Data
This document discusses using Excel and PowerPoint to create graphical representations of data for presentations. It mentions creating an X, Y scatter graph from salary.com data to show accountant salary, a pie chart to show core compensation and benefits for accountants, and a bar graph to compare salaries for similar jobs.
Abbey UCLA vs. Azusa Pacific
This document provides information about UCLA and Azusa Pacific University. It discusses key facts about each university such as their founding dates, mascots, academics, athletics programs, student life, and admissions requirements. It also shares the author's reasons for being interested in these two universities, one due to family connections to APU and liking UCLA after campus visits. In the end, it encourages the reader to pursue their dreams.
Unit 3 Debits and Credits
Here are the journal entries for Bell's Computers transactions:
1. Capital $60,000
Bank $60,000
2. Equipment $7,000
Bank $7,000
3. Drawings $200
Bank $200
4. Bank $14,000
Income $14,000
5. Debtors $30,000
Income $30,000
6. Bank $4,000
Rent Expense $4,000
7. Bank $1,500
Supplies Expense $1,500
Viewers also liked (7)
Similar to 6-1 The First Steps to Home Ownership
First Time Home Buyer
The document discusses the process of purchasing a home through a mortgage lender called Fairway. It begins by outlining the benefits of owning a home over renting, as owning allows individuals to build equity over time instead of their monthly payments disappearing as rent. It then walks through the steps involved in the home buying process, including getting pre-qualified, processing the loan, underwriting, pre-closing, and closing. Key aspects of mortgages like principal, interest, taxes, insurance, points, and amortization are also defined.
BUYING YOUR FIRST HOME - capitalhomelending.ca
1) The document provides guidance on shopping for a mortgage by outlining three key steps: understanding your mortgage needs and options, getting pre-approved, and making the right decision.
2) The first step involves determining how much you can afford for a down payment, mortgage payments, fees and deciding on a mortgage term, amortization period, and whether to choose a fixed or variable interest rate.
3) The second step is to get pre-approved in order to understand what you qualify for before house hunting, and the third step is to consider all costs when deciding on the right mortgage.
DT Buyers Presentation
The document summarizes the steps involved in buying a home, as presented by Cheryl McDonald of Dream Town Realty. It outlines selecting a realtor, determining if you are ready to buy, setting a price range and securing a lender. It then discusses finding the right home, making an offer, ensuring all paperwork is in order, and closing the deal. The final step is moving into the new home.
Lbyl
The document provides information for prospective homeowners on how to determine what they can afford for a mortgage and home purchase. It advises readers to calculate their net worth and prepare a detailed budget to understand their monthly expenses and how much they can afford for a mortgage payment. It also outlines factors that influence monthly mortgage payments, such as down payment size, amortization period, payment schedule, and interest rate. The document emphasizes that homeowners need to avoid being overextended financially and should use their budget to guide their mortgage amount.
First Time Home Buyer Seminar
Step by step process to buying a home. Everything you need to know from making the offer, to getting the proper inspections, the paperwork, and closing process.
Mike Hall
Http://www.myohiohouse.com
614-937-4162
RTO Partners rent-back home financing
People who cannot renew their mortgage may be able to stay in their home by turning it into a rent to own, then reclaim ownership in 2 or 3 years.
Blaine Final Revisions 10-13-16
This document provides information about navigating changes in the mortgage industry. It discusses how stated income loans are no longer allowed and self-employed borrowers need 24 months of income documentation. It also notes that credit scores are more important in determining rates now. New regulations have eliminated negative amortization loans and appraisals must now be ordered through an automated system. The document provides an overview of refinancing options and available loan products like FHA, VA, jumbo, and renovation loans. It also answers common questions about qualifying after foreclosure or bankruptcy.
Understanding Mortgages
This document provides information about mortgages and homeownership. It explains that a mortgage is a loan used to finance the purchase of a home. It distinguishes between fixed-rate and adjustable-rate mortgages. It also discusses factors that impact total mortgage costs like down payment amounts, interest rates, and loan terms. Additionally, it compares costs and payments for different down payment amounts and credit scores to illustrate the impacts of these factors.
Buying A Home In Todays Market
The document provides an overview of the home buying process in 3 sentences or less:
The presentation outlines the key steps in the home buying process including getting pre-approved, finding a home, making an offer, finalizing financing details, completing inspections, and closing on the purchase. It also discusses determining financing options, assessing affordability, and maintaining the home after purchase. The presentation aims to educate home buyers on navigating the process and emphasizes working with a mortgage consultant for assistance.
A Specialty Mortgage
1. Specialty mortgages offer lower initial monthly payments but come with greater risks than traditional fixed-rate or adjustable-rate mortgages.
2. The payments on specialty mortgages may increase substantially, by as much as 50%, once an introductory period ends which could lead to "payment shock" if income does not increase enough.
3. Some specialty mortgages like interest-only or negative amortization loans may cause the total amount owed to increase over time rather than decrease.
First Time Homebuyer's Seminar, by Tom Sparks from Sierra Financial, Inc.
Homebuyer's Seminar for the First Time Home Buyer, presented by Tom Sparks from Sierra Financial, Inc., Portland, Oregon.
Copy Of Fthb Presentation2
The document provides information about the home buying process for first-time homebuyers. It discusses determining how much home you can afford, the importance of credit, mortgage options including government and conventional loans, closing costs, and the steps involved in the mortgage application and approval process. The overall goal is to educate homebuyers so they can choose the right mortgage program and home to fit their needs and budget.
RTO Partners: How To Rent To Own Your Next House
Rent To Own (or "Lease To Purchase") your next home, years before you need to be qualified for a mortgage.
2010 Updated First Time Seminar
The document summarizes information from a first time home buyers seminar. It discusses selecting a mortgage lender, understanding different loan types, getting pre-approved for a mortgage, making an offer on a home, getting a home inspection, required insurance, and the closing process. The seminar provides tips on becoming financially prepared, shopping for the best mortgage rates and real estate agents, and navigating the steps to purchasing a first home.
Buying A Home
Making money sensetips and ideas to help your family prosper
Buying a Home
Am I Ready To Buy A Home?
Important questions to consider if you think
buying a house is right for you...
Do you have a steady income? Have you been employed on a regular basis for 2-3 years? Is your income reliable? Do you have a credit history? Do you have a good record of paying your bills? Will you be able to pay your bills and other debts? Do you have the ability to make the mortgage payment every month, plus handle additional costs for taxes, insurance, maintenance and repairs? Do you have money saved for a down payment and closing costs?
201503_cfpb_your-home-loan-toolkit-web
This guide helps consumers navigate the mortgage process in 8 steps: 1) defining what is affordable, 2) understanding your credit, 3) choosing between fixed and adjustable rates, 4) selecting a down payment amount, 5) understanding how points affect interest rates, 6) shopping with multiple lenders, 7) choosing a mortgage, and 8) avoiding pitfalls. The goal is to find the best mortgage to fit the consumer's financial situation through informed decision making at each step.
cfpb_your-home-loan-toolkit-web
This document provides a step-by-step guide to help consumers choose the best mortgage. It discusses:
1. Defining what is affordable, understanding your credit, choosing between fixed and adjustable rates, selecting the right down payment, and understanding how points affect interest rates.
2. The importance of understanding your credit report and score to qualify for the best rate. Correcting any errors can improve your score.
3. Different types of mortgages and their tradeoffs (fixed vs adjustable rates), avoiding risky features like balloons payments or prepayment penalties.
4. Factors that determine the right down payment amount depending on the borrower's situation and goals.
The overall document aims
Your home loan toolkit_ A step-by-step guide
This document provides a step-by-step guide to help consumers choose the best mortgage. It discusses:
1. Defining what is affordable, understanding your credit, choosing between fixed and adjustable rates, selecting the right down payment, and understanding how points affect interest rates.
2. The importance of understanding your credit report and score to qualify for the best rate. Correcting any errors can improve your score.
3. Different types of mortgages and their tradeoffs (fixed vs adjustable rates), the importance of understanding prepayment options, and being wary of risky loan features like balloons payments or prepayment penalties.
4. Steps to take like getting estimates of total monthly costs, calculating the
FREE Home Buyer's Workshop
Everything you need to know before you buy your first home. Includes steps of the process, descriptions of financing options, lender red flags and credit score information.
Hawaii real estate team buyer guide
This document provides information and guidance for home buyers. It discusses hiring a real estate team to represent the buyer and receive a 50% rebate on the buyer's agent commission. It outlines the home buying process, including gathering documents, checking credit, understanding loan types and fees. The document aims to educate home buyers on financing options and making an informed purchase.
Similar to 6-1 The First Steps to Home Ownership (20)
First Time Homebuyer's Seminar, by Tom Sparks from Sierra Financial, Inc.
First Time Homebuyer's Seminar, by Tom Sparks from Sierra Financial, Inc.
More from Jenny Hubbard
CCA Chapter 7
The document discusses depreciation rates for three cars: a 2010 Fonda Concord EX depreciating at 6% per year, a 2010 Padillac Escalate depreciating at 22.5% per year, and a 1967 Fyord Rustang appreciating at 10% per year. It tasks the reader with generating representations of the value of each car over time and determining which car Jeralyn should buy based on value retention from 2010 to 2012.
Chapter 6 HW Answers
This document contains sample problems and solutions from a high school algebra 1 textbook chapter on statistics. It includes questions about analyzing scatterplots and linear models, finding patterns in sequences, solving systems of equations, factoring quadratic expressions, and other statistical and algebraic concepts. The problems range from 6-4 to 6-104 and cover topics such as linear and geometric sequences, linear and quadratic functions, factoring, systems of equations, and analyzing scatterplots and linear models.
Chapter 5 HW Answers
This document contains examples and exercises related to sequences from Chapter 5 of a Core Connections Algebra 1 textbook. It includes:
- Examples of sequences defined by explicit formulas with specified terms calculated
- Graphs of sequences
- Identifying patterns in sequences as arithmetic, geometric, or other
- Applying sequence formulas to word problems
- Determining domains and ranges of sequences
CCA Chapter 4 HW Answers
This document contains math problems and solutions from a high school algebra 1 textbook. It covers topics like systems of equations, functions, exponents, distributions, graphs, and word problems. The problems are presented along with the step-by-step work or solutions. Key concepts covered include solving linear equations, evaluating expressions, identifying functions, graphing lines, and applying algebraic rules and properties.
Chapter 2 Linear Functions
The document provides answers and solutions to problems from a chapter on linear functions in an algebra 1 textbook. It includes worked out solutions showing calculations and graphs for problems involving finding rates of change, calculating slopes and y-intercepts of lines, determining equations from graphs or tables of values, and applying linear functions to real-world word problems.
Chapter 1 Functions
The document provides homework corrections and answers for various algebra problems from Chapter 1 on functions from Orcutt Academy High School's algebra 1 course, including corrections to homework problems, lab answers, and additional practice problems with worked out solutions shown.
Unit 4 Saving and Investing PPT
This document provides an overview of an assignment for a high school accounting and finance class to create an investment plan project. Students will create a Google Slides presentation on their investment plan consisting of 13 slides covering topics like investment personality, retirement needs, asset allocation, stock and bond selections, index/mutual fund choice, and a conclusion. The project aims to teach students to analyze their financial goals and risk tolerance to develop a personalized, diversified portfolio. Students will present their plan to parents/guardians and submit an evaluation form for grading.
Unit 4 The Accounting Cycle
This document discusses the accounting cycle and key accounting documents and processes. It covers source documents like invoices and receipts, accounting journals that record transactions chronologically, T-accounts that make up the general ledger, balancing T-accounts, the trial balance process, and the four main financial statements: the income statement, statement of owner's equity, balance sheet, and statement of cash flows.
Calculating Simple and Compound Interest
This document provides information about simple and compound interest. It defines simple interest as interest paid only on the principal amount without considering accumulated interest over time. The simple interest formula is shown as Interest = Principal x Rate x Time. Compound interest is interest calculated on the initial principal and also on previously accumulated interest over multiple compounding periods. The compound interest formula is shown, which calculates the ending amount based on the principal, interest rate, time in years, and number of compounding periods per year. An example of using the compound interest formula to calculate the ending amount of $500 invested at 8% compounded quarterly over 2 years is provided.
Intro Unit Workforce Readiness
This document provides information about connecting personality types to career clusters. It discusses John Holland's theory that people are happier in careers that match their personality types. The document then defines six main personality types (Doer, Thinker, Creator, Helper, Persuader, Organizer) and provides descriptions and examples of careers that may match each type. Later sections guide students through identifying their own personality traits, interests, skills and choosing a career to research based on their identified personality type. It also provides instructions for creating graphs to display career data from websites like Salary.com.
Intro Unit Workforce Readiness
This document provides information about connecting personality types to career clusters. It discusses John Holland's theory that people are happier in careers that match their personality. The six main personality types are described as Doer, Thinker, Creator, Helper, Persuader, and Organizer. Examples of careers that correspond to each personality type are listed. The document then guides the reader through an exercise to identify their own personality type and provides tips for researching careers that match their unique personality.
Unit 3 Debits and Credits
This document provides an overview of accounting concepts including financing, investing, the accounting equation, debits and credits, T-accounts, and different types of accounts. It discusses how financing occurs on the right side of the accounting equation and represents sources of money, while investing occurs on the left side and represents the use of money. The key accounting equation assets = liabilities + owner's equity is also explained. Common account types are defined including assets, liabilities, owner's equity, revenues/gains, and expenses/losses. The document also demonstrates how transactions are recorded using debits and credits in T-accounts and journals.
Unit 2 Financial Transactions
The document discusses key accounting concepts like assets, liabilities, equity, income, and expenses. It provides examples of how business transactions affect accounts - such as taking out a loan which increases assets and liabilities, or an owner withdrawing cash which decreases assets and equity. It also defines important terms like profit as income exceeding expenses, and explains the differences between income/expenses and cash received/paid.
Unit 1 The Accounting Equation
The document discusses the accounting equation of Assets = Liabilities + Equity and key concepts related to the equation. It explains that the accounting equation must remain balanced at all times due to double-entry bookkeeping, where every transaction affects a minimum of two accounts. Assets are defined as resources controlled by a business that are expected to provide future economic benefits. Liabilities represent obligations that will require future outflows from the business. Equity belongs to the owners and represents their claim on any remaining assets after liabilities are deducted.
Unit 1 The Accounting Equation
The document discusses key concepts in accounting including the accounting equation of Assets = Liabilities + Equity, double-entry bookkeeping, and how various transactions affect the accounting equation. It provides examples of how an owner's investment, borrowing money, purchases, and expenses impact asset, liability, and equity accounts to maintain the balance of the accounting equation.
Unit 1 The Accounting Equation
The document discusses key accounting concepts including the accounting equation, assets, liabilities, and owner's equity. It explains that the accounting equation - assets = liabilities + owner's equity - must always balance due to the double-entry bookkeeping method where every transaction affects a minimum of two accounts. Examples are provided to illustrate how various business transactions impact the components of the accounting equation by increasing or decreasing accounts.
Victoria and Vanessa Simpson University 2013
Simpson University is a private Christian university located in Redding, California. It has an enrollment of 1,297 students and an 82% acceptance rate. The university offers bachelor's degrees in subjects like psychology, business, communication, and nursing. It requires students to attend chapel twice a week and offers opportunities for missionary work abroad. Simpson University has various athletic teams and a 45% on-campus housing rate for its students.
Victoria and vanessa simpson university 2013 (1)
Simpson University is a private Christian university located in Redding, California. It has an enrollment of 1,297 students and an 82% acceptance rate. The university offers bachelor's degrees in subjects like psychology, business, communication, and nursing. It requires students to attend chapel twice a week and offers opportunities for missionary work abroad. Simpson University has various athletic teams and intramural sports. It provides significant financial aid and scholarships to help make the $22,400 yearly tuition and $7,500 room and board fees affordable for students.
Victoria and Vanessa Simpson University 2013
Simpson University is a private Christian university located in Redding, California. It has an enrollment of 1,297 students and an 82% acceptance rate. The university offers bachelor's degrees in subjects like psychology, business, communication, and nursing. It requires students to attend chapel twice a week and offers opportunities for missionary work abroad. Simpson University has various athletic teams and intramural sports. On-campus housing is available, though only 45% of students live on campus. The university provides significant financial aid and scholarship opportunities to help make it affordable.
Dalia AVID Project
This document provides information about three universities: Fresno State, University of Colorado Colorado Springs, and Northern Arizona University. It includes details about each school such as location, size, popular majors, financial aid amounts, tuition costs and computer services available. Fresno State is described as a large, public university located in Fresno, California with about 20,000 undergraduates. University of Colorado Colorado Springs is a medium-sized, public university located in Colorado Springs with around 8,000 undergraduates. Northern Arizona University is a large, public university located in Flagstaff, Arizona with over 20,000 total undergraduates.
More from Jenny Hubbard (20)
Recently uploaded
RMIT University degree offer diploma Transcript
澳洲RMIT毕业证书制作RMIT假文凭定制Q微168899991做RMIT留信网教留服认证海牙认证改RMIT成绩单GPA做RMIT假学位证假文凭高仿毕业证申请墨尔本皇家理工大学RMIT University degree offer diploma Transcript
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
How to Use Payment Vouchers in Odoo 18.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
The Impact of Generative AI and 4th Industrial Revolution
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
在线办理(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证完成信一模一样
学校原件一模一样【微信：741003700 】《(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
原版定制【微信:bwp0011】《(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
International Sustainability Standards Board
Issb standards
New standard for reporting sustainability on lines of tcfd
快速办理(美国Fordham毕业证书)福德汉姆大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(美国Fordham毕业证书)福德汉姆大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
快速办理(RWTH毕业证书)德国亚琛工业大学毕业证录取通知书一模一样
原件一模一样【微信：bwp0011】《(RWTH毕业证书)德国亚琛工业大学毕业证》【微信：bwp0011】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问微bwp0011
【主营项目】
一.毕业证【微bwp0011】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【微bwp0011】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
在线办理(GU毕业证书)美国贡萨加大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(GU毕业证书)美国贡萨加大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
Governor Olli Rehn: Inflation down and recovery supported by interest rate cu...
Governor Olli Rehn
Bank of Finland
Press conference on the outlook for the Finnish economy
Helsinki, 11 June 2024
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
学校原件一模一样【微信：741003700 】《(SMU毕业证书)南卫理公会大学毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
The state of welfare Resolution Foundation Event
How has Britain’s safety net changed since 2010 and what comes next?
University of North Carolina at Charlotte degree offer diploma Transcript
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.Ending stagnation: How to boost prosperity across Scotland
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Recently uploaded (20)
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...
The Impact of Generative AI and 4th Industrial Revolution
The Impact of Generative AI and 4th Industrial Revolution
Economic Risk Factor Update: June 2024 [SlideShare]
Economic Risk Factor Update: June 2024 [SlideShare]
Governor Olli Rehn: Inflation down and recovery supported by interest rate cu...
Governor Olli Rehn: Inflation down and recovery supported by interest rate cu...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
University of North Carolina at Charlotte degree offer diploma Transcript
University of North Carolina at Charlotte degree offer diploma Transcript
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Ending stagnation: How to boost prosperity across Scotland
Ending stagnation: How to boost prosperity across Scotland
6-1 The First Steps to Home Ownership
- 1. THE FIRST STEPS TO HOME OWNERSHIP UNIT 6, LESSON 1 ORCUTT ACADEMY HIGH SCHOOL FINANCE & ACCOUNTING
- 2. Renting vs. Owning Are You Ready to Buy? How Much Can You Borrow? The Down Payment & Closing Costs PREVIEW
- 4. ADVANTAGES OF RENTING • Possibly lower cost • If you can save 10% or more of your earnings, you are on your way to meeting your financial goals. • No maintenance costs • Flexibility • Financial freedom: spend without obligation • Psychological freedom: move more easily • Liquidity • Wealth not tied up in home
- 5. COSTS OF RENTING • Monthly rent is subject to inflation • Consider your costs in the long-term Cost of owning versus renting over 30 years Year Ownership cost per month Rental cost per month 1 $920 $800 5 $980 $940 10 $1,080 $1,140 20 $1,360 $1,690 30 $1,800 $2,500 Comparing the costs of owning a home that costs $160,000 to renting that same home for $800/month.
- 6. COSTS OF RENTING • Owning becomes less expensive in the long run • As a homeowner, you build equity
- 7. ARE YOU READY TO BUY
- 8. ASSESSING YOUR TIMELINE Wait to buy a home until you plan on being there for at least 3 years (preferably five or more)
- 9. PROPERTY MUST APPRECIATE 15% TO COVER EXPENSES
- 10. BEFORE BUYING, ASK YOURSELF… Are you saving enough money monthly to reach your retirement goals?
- 11. BEFORE BUYING, ASK YOURSELF… How much do you spend (and want to continue spending) on fun things such as travel and entertainment?
- 12. BEFORE BUYING, ASK YOURSELF… How willing are you to budget your expenses in order to meet your monthly mortgage payments and other housing expenses?
- 13. BEFORE BUYING, ASK YOURSELF… How much of your children’s expected college educational expenses do you want to be able to pay for?
- 14. HOW MUCH CAN YOU BORROW
- 15. THE EFFECT OF DEBT Existing debt will lower the amount you are eligible to borrow. Monthly Debt Payments + Housing Expenses < 38% of monthly gross income
- 16. CALCULATING HOW MUCH LENDERS WILL ALLOW YOU TO BORROW General Rule: You can borrow up to three times (or two and a half times) your annual income when buying a home.
- 17. BUT… HOW MUCH YOU CAN BORROW DEPENDS ON INTEREST RATES Set by the secondary market
- 18. EXPENSES • Mortgage costs • Inspection expenses • Moving costs • Commissions • Title insurance
- 19. WHAT’S THE APPROXIMATE MAXIMUM YOU CAN BORROW? When mortgage rates are Multiply your gross income by this figure 4% 4.6 5% 4.2 6% 3.8 7% 3.5 8% 3.2 9% 2.9 10% 2.7 11% 2.5
- 20. MULTIPLIER The number you multiply by your gross income to determine how much money you can borrow for a home mortgage; determined by interest rates. OR The number you multiply by your mortgage expressed in thousands of dollars (divided by 1000) to determine your monthly mortgage payment
- 21. As rates fall, the monthly mortgage payment drops Lower interest rates make buying real estate more affordable
- 22. CALCULATE What is the maximum amount you can borrow? 1. Annual income $45,870 a) Interest rate 5% b) Interest rate 11% 2. Annual income $68,900 a) Interest rate 4% b) Interest rate 8% 3. Annual income $159,650 a) Interest rate 9% b) Interest rate 6%
- 23. DOWN PAYMENT & CLOSING COSTS
- 24. THE DOWN PAYMENT If you put down 20% of the purchase price of the home • Most favorable terms, including interest rate and closing costs • Don’t have to pay mortgage insurance For a $100,000 home, the down payment would be $20,000 • (100,000)(.2) = $20,000
- 25. PMI: PRIVATE MORTGAGE INSURANCE • If you put less than 20% down • Protects lenders if you default on your loan • Several hundred $ per year • Varies depending on the percent of the purchase price you put down • The higher the down payment, the lower the PMI • Visit http://www.goodmortgage.com/Calculators/PMI.html
- 26. PURCHASE PRICE Purchase Price = Mortgage Loan + Down Payment
- 27. CLOSING COSTS • In addition to a down payment, you must have cash saved for closing costs • Includes escrow fees, inspection fees, title insurance, and other miscellaneous fees • On average from 2-3 percent of the price of the home • Could be anywhere from 1-8% of the price of the home • Your lender will give you a “Good Faith Estimate”
- 28. HELP WITH CLOSING COSTS • You can request • Your seller pay part of the closing costs • Your lender add part of the closing costs to your mortgage loan • Interest rate will go up about .25%
- 29. 1. How can you determine if you are ready to buy a home? 2. How do lenders decide how much money you can borrow to purchase a home? 3. What factors should you consider when determining how much money to save to buy a home? ESSENTIAL QUESTIONS WHAT ARE YOU LEARNING? WHY ARE YOU LEARNING IT? HOW WILL YOU USE IT?