Unit 4b Creative ways to own a home
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Some creative alternatives for achieving long-term home ownership include buying a small, affordable property and paying it off quickly; moving to a less expensive regional area while maintaining employment in the city; purchasing a home in the outer suburbs of Sydney; renting in Sydney and buying property elsewhere with the intention of eventually swapping residences; co-investing in a property with a family member; co-habiting with family in a duplex; or buying a full house and renting out spare rooms to cover the mortgage.
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Unit 18d Retirement strategy
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Unit 18a Retirement
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2. Using the margin loan to continue investing in the managed fund up to a $100,000 portfolio over several years.
3. Buying a $300,000 property with no deposit using the First Home Owners Grant and parental guarantee. Renting a room to offset mortgage repayments.
4. Continuing to invest savings and distributions to build the portfolio to $300,000 while increasing the margin loan,
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Unit 14c Managed Funds and risk
The document discusses managed funds and risk. It states that while AMP went through financial difficulties in 2003, managed funds are diversified so the risk of default is extremely low. It also explains that a fund sells assets to pay investors rather than defaulting, though some property funds bankrupt in the 1980s when they couldn't sell properties. It then asks the reader to arrange investments on a risk scale from lower average returns but less uncertainty of returns to higher average returns but more uncertainty of returns. Finally, it asks which portfolio would be most appropriate for a graduate willing to accept moderate risk and not touch funds for 7 years.
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Introduction: Scope and Specialization of Civil Engineering, Role of civil Engineer in Society, Impact of infrastructural development on economy of country.
Chapter 3
Surveying: Object Principles & Types of Surveying; Site Plans, Plans & Maps; Scales & Unit of different Measurements.
Linear Measurements: Instruments used. Linear Measurement by Tape, Ranging out Survey Lines and overcoming Obstructions; Measurements on sloping ground; Tape corrections, conventional symbols. Angular Measurements: Instruments used; Introduction to Compass Surveying, Bearings and Longitude & Latitude of a Line, Introduction to total station.
Levelling: Instrument used Object of levelling, Methods of levelling in brief, and Contour maps.
Chapter 4
Buildings: Selection of site for Buildings, Layout of Building Plan, Types of buildings, Plinth area, carpet area, floor space index, Introduction to building byelaws, concept of sun light & ventilation. Components of Buildings & their functions, Basic concept of R.C.C., Introduction to types of foundation
Chapter 5
Transportation: Introduction to Transportation Engineering; Traffic and Road Safety: Types and Characteristics of Various Modes of Transportation; Various Road Traffic Signs, Causes of Accidents and Road Safety Measures.
Chapter 6
Environmental Engineering: Environmental Pollution, Environmental Acts and Regulations, Functional Concepts of Ecology, Basics of Species, Biodiversity, Ecosystem, Hydrological Cycle; Chemical Cycles: Carbon, Nitrogen & Phosphorus; Energy Flow in Ecosystems.
Water Pollution: Water Quality standards, Introduction to Treatment & Disposal of Waste Water. Reuse and Saving of Water, Rain Water Harvesting. Solid Waste Management: Classification of Solid Waste, Collection, Transportation and Disposal of Solid. Recycling of Solid Waste: Energy Recovery, Sanitary Landfill, On-Site Sanitation. Air & Noise Pollution: Primary and Secondary air pollutants, Harmful effects of Air Pollution, Control of Air Pollution. . Noise Pollution Harmful Effects of noise pollution, control of noise pollution, Global warming & Climate Change, Ozone depletion, Greenhouse effect
Text Books:
1. Palancharmy, Basic Civil Engineering, McGraw Hill publishers.
2. Satheesh Gopi, Basic Civil Engineering, Pearson Publishers.
3. Ketki Rangwala Dalal, Essentials of Civil Engineering, Charotar Publishing House.
4. BCP, Surveying volume 1
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إضغ بين إيديكم من أقوى الملازم التي صممتها
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Unit 4b Creative ways to own a home
- 1. GENC3003Personal Financial Planning Andrew Hingstonandrew.hingston@unsw.edu.au Unit 4: Creative ways to own a home
- 2. 2 Discussion “Buying a house in Sydney has become very difficult unless you are a dual-income family and plan to stay that way for the next 25 years!” What are some creative ways of achieving the goal of long-term home ownership?
- 3. 3 Some creative alternatives Keep perspective! Just need a 2BR flat paid off by 60! Buy a small place and pay it off ASAP Move to the country (one way ticket though) Buy in Sydney outer suburbs Rent in Sydney, buy elsewhere … then swap Co-invest with family member Co-habit with other family (eg. Duplex) Buy a house then rent out the rooms