Open House in West Covina Sat December 13, 2014
Call Alimon Williams for a FHA or conventional preqaul. Phone 909-529-1294, website www.pdmtg.com/alimonwilliams, awilliams@pwhomeloans.com
This document compares financing options for a $320,000 home including an FHA loan, VA loan, and conventional loan. The FHA loan requires 3.5% down and has the lowest monthly payment of $2,323. The VA loan requires no down payment and has a monthly payment of $2,141. The conventional loan requires 10% down and has a monthly payment of $2,149. The document also provides details about the home located at 687 Evergreen Ln in Port Hueneme, CA including 3 bedrooms and 2.5 baths.
Mortgage note buying opportunity presentation (johnson&brown llc) sildeshowEddie Brown
Johnson & Brown LLC is offering mortgage notes for sale for various properties located in Jacksonville, Florida. The notes offered are for amounts between $53,000 and $64,734.66, with interest rates of 8% and terms of 30 years. The sale price for each note is $40,000, representing loan-to-value ratios ranging from 62% to 75%. Contact information is provided for Eddie Brown and Charles Johnson to obtain more details on the available mortgage notes.
Mortgage note buying opportunity presentation (johnson&brown llc)Eddie Brown
Johnson & Brown LLC is offering mortgage notes for sale for various properties located in Jacksonville, Florida. The notes offered are for amounts between $53,000 and $64,734.66, with interest rates of 8% and terms of 30 years. The sale price for each note is $40,000, representing loan-to-value ratios ranging from 62% to 75%. Contact information is provided for Eddie Brown and Charles Johnson to obtain more details on the available mortgage notes.
5908 Miramonte Ave, Los Angeles For Sale, Newly RenovatedAlimon Williams
Los Angeles 3 Unit Building For Sale on a quiet residential street. great for someone to live in one and rent the others. All units are 2 bedrooms and 1bathrooms, with a nice size yard with a lot of shade.
Mortgage note buying opportunity presentation (johnson&brown llc) sildeshowEddie Brown
Johnson & Brown LLC is offering mortgage notes for sale for various properties located in Jacksonville, Florida. The notes offered are for amounts between $53,000 and $64,734.66, with interest rates of 8% and terms of 30 years. The sale price for each note is $40,000, representing loan-to-value ratios ranging from 62% to 75%. Contact information is provided for Eddie Brown and Charles Johnson to obtain more details on the available mortgage notes.
This document compares the terms of refinancing an existing home loan to a new 25-year fixed rate mortgage. The proposed refinance loan has a lower interest rate of 4.25% compared to the current rate of 4.875%, resulting in a lower monthly principal and interest payment of $3,223.34 versus the current $3,492.77. Over the life of the new loan, the homeowner would pay $49,394.80 less in total principal and interest and $48,875.68 less in total interest. The refinance is estimated to lower the homeowner's total monthly payment by $269.43.
Renting a house would cost $156,120 over 5 years, with monthly payments increasing by 2% annually. Buying the same house for $500,000 with a $25,000 down payment and 2.99% interest rate would cost a total of $153,378 over 5 years, including taxes and interest, making buying slightly cheaper than renting. While buying builds equity and can increase in value, renting provides flexibility and avoids maintenance costs. Overall, buying provides long-term savings compared to renting.
The employee received a salary of $3,032.96 for the month which included a $200 bonus. From this salary, taxes were deducted including 6.2% for Medicare ($188.04), 1.45% staff taxes ($43.98), 6% state tax ($181.98), 14% federal tax ($424.61) for a total tax amount of $838.61. The employee's net salary paid via bank transfer was $2,194.35.
This document compares financing options for a $320,000 home including an FHA loan, VA loan, and conventional loan. The FHA loan requires 3.5% down and has the lowest monthly payment of $2,323. The VA loan requires no down payment and has a monthly payment of $2,141. The conventional loan requires 10% down and has a monthly payment of $2,149. The document also provides details about the home located at 687 Evergreen Ln in Port Hueneme, CA including 3 bedrooms and 2.5 baths.
Mortgage note buying opportunity presentation (johnson&brown llc) sildeshowEddie Brown
Johnson & Brown LLC is offering mortgage notes for sale for various properties located in Jacksonville, Florida. The notes offered are for amounts between $53,000 and $64,734.66, with interest rates of 8% and terms of 30 years. The sale price for each note is $40,000, representing loan-to-value ratios ranging from 62% to 75%. Contact information is provided for Eddie Brown and Charles Johnson to obtain more details on the available mortgage notes.
Mortgage note buying opportunity presentation (johnson&brown llc)Eddie Brown
Johnson & Brown LLC is offering mortgage notes for sale for various properties located in Jacksonville, Florida. The notes offered are for amounts between $53,000 and $64,734.66, with interest rates of 8% and terms of 30 years. The sale price for each note is $40,000, representing loan-to-value ratios ranging from 62% to 75%. Contact information is provided for Eddie Brown and Charles Johnson to obtain more details on the available mortgage notes.
5908 Miramonte Ave, Los Angeles For Sale, Newly RenovatedAlimon Williams
Los Angeles 3 Unit Building For Sale on a quiet residential street. great for someone to live in one and rent the others. All units are 2 bedrooms and 1bathrooms, with a nice size yard with a lot of shade.
Mortgage note buying opportunity presentation (johnson&brown llc) sildeshowEddie Brown
Johnson & Brown LLC is offering mortgage notes for sale for various properties located in Jacksonville, Florida. The notes offered are for amounts between $53,000 and $64,734.66, with interest rates of 8% and terms of 30 years. The sale price for each note is $40,000, representing loan-to-value ratios ranging from 62% to 75%. Contact information is provided for Eddie Brown and Charles Johnson to obtain more details on the available mortgage notes.
This document compares the terms of refinancing an existing home loan to a new 25-year fixed rate mortgage. The proposed refinance loan has a lower interest rate of 4.25% compared to the current rate of 4.875%, resulting in a lower monthly principal and interest payment of $3,223.34 versus the current $3,492.77. Over the life of the new loan, the homeowner would pay $49,394.80 less in total principal and interest and $48,875.68 less in total interest. The refinance is estimated to lower the homeowner's total monthly payment by $269.43.
Renting a house would cost $156,120 over 5 years, with monthly payments increasing by 2% annually. Buying the same house for $500,000 with a $25,000 down payment and 2.99% interest rate would cost a total of $153,378 over 5 years, including taxes and interest, making buying slightly cheaper than renting. While buying builds equity and can increase in value, renting provides flexibility and avoids maintenance costs. Overall, buying provides long-term savings compared to renting.
The employee received a salary of $3,032.96 for the month which included a $200 bonus. From this salary, taxes were deducted including 6.2% for Medicare ($188.04), 1.45% staff taxes ($43.98), 6% state tax ($181.98), 14% federal tax ($424.61) for a total tax amount of $838.61. The employee's net salary paid via bank transfer was $2,194.35.
The employee received a salary of $3,032.96 for the month which included a $200 bonus. From this salary, taxes were deducted including 6.2% for Medicare ($188.04), 1.45% staff taxes ($43.98), 6% state tax ($181.98), 14% federal tax ($424.61) for a total tax amount of $838.61. The employee's net salary paid via bank transfer was $2,194.35.
This document discusses regular pay and overtime pay rates. It provides examples of calculating time-and-a-half and double-time pay rates based on an employee's regular hourly rate. It also shows examples of calculating gross weekly wages for employees who worked overtime, using their regular pay rates and hours worked.
An athletic trainer earns a median annual salary of $35,870. After taxes, their net monthly income is $2,241.88. Their monthly expenses include $955 for rent, $300 for a car payment, $200 for car insurance and gas, $65 for food, $191 for utilities, $95 for phone and services, $40 for entertainment, and $74.37 for a student loan payment. Their total monthly expenses are $2,241.29, leaving them with $0.59 more than their income each month. If they received a 0.5% raise, they would put the extra $112 per month into savings. This budgeting project taught them the importance of spending
The document compares the costs of living in Boston and San Diego for someone making $48,000 per year. In Boston, total annual costs are approximately $53,384 including housing that is $1,030 per month, while in San Diego total costs are approximately $54,721 with housing that is $910 per month but higher transportation and food costs. Both locations have similar taxes, savings amounts, student loan payments, and healthcare costs. Overall, the costs of living in Boston versus San Diego for this individual are comparable.
The document analyzes the cost of living for Patricia Ferido and Sherry Aziz living together in Atlanta, Georgia. It details their individual incomes, taxes, savings, housing costs of $799 per month to share an apartment, and monthly expenses for utilities, transportation, healthcare, food, and discretionary spending. In the end, Patricia is left with $5,145.06 remaining and Sherry has $1,293.20 remaining after accounting for all costs of living in Atlanta.
This document compares the cost of living for two individuals, Patricia Ferido and Sherry Aziz, living together in Atlanta, Georgia. It details their incomes, taxes, savings, housing costs at an apartment in Atlanta, utilities, transportation, healthcare, food, and discretionary expenses. In the end, Patricia is left with $5,265.06 remaining while Sherry has $1,293.20 remaining after accounting for all expenses.
This document compares the cost of living for two individuals, Patricia Ferido and Sherry Aziz, living together in Atlanta, Georgia. It details their incomes, taxes, savings, housing costs at an apartment in Atlanta, utilities, transportation, healthcare, food, and discretionary spending. In the end, Patricia is left with $5,265.06 remaining while Sherry has $1,293.20 remaining after accounting for all expenses.
Brandon Lisenby earns an annual salary of $68,000 or a monthly salary of $5,666. After deducting taxes and other expenses, he saves $2,625 per month towards buying a house over 7 years that costs $293,000. His monthly expenses include $700 for rent, $80 for utilities, $300 for insurance, and other typical spending on items like food, transportation and entertainment while still putting away savings each month.
This document outlines an employee's salary details, including a $3,032.96 base salary plus $200 bonus. It lists the taxes deducted at various rates for social security, Medicare, state and federal, totaling $838.61. The net salary paid after taxes was $2,194.35, which was paid via bank transfer to the employee.
The document summarizes the monthly budget and expenses of a married couple, Rita and John. They earn a combined income of $105,000 annually and purchase a condo for $284,900 with a 5% down payment and 4.04% interest mortgage. Their monthly expenses include $1,930 for the mortgage, $325 for Rita's car insurance, $180 for gas, $121 for John's transit pass, $120 for utilities, $600 for groceries, $300 for clothing, $600 for discretionary spending, and $200 for incidentals. This leaves them with $3,940 excess monthly that is split between savings accounts.
This document summarizes the costs of living for Annie and David in St. Louis, Missouri. It outlines their incomes, taxes, savings, housing costs for a two-bedroom apartment, healthcare premiums, utility costs, and remaining disposable income after expenses. Both Annie and David have individual health insurance plans through Blue Cross Anthem that cost $74.95 per month. They share a two-bedroom apartment located downtown near public transit for $855 per month plus utilities. The document provides a detailed breakdown of their annual living expenses.
This document compares the tax savings and out-of-pocket costs of renting versus buying a home for first-time buyers over a 5-year period. It shows that first-time buyers would save $11,440 in taxes and $14,700 in out-of-pocket costs, for a total 5-year savings of $26,140 by purchasing rather than renting. The key deductions for homeowners are mortgage interest and property tax deductions, which lower taxable income and tax liability each year compared to renters who do not receive these deductions.
This person is seeking financial advice as they are in a difficult financial situation. They own a home that is $100,000 underwater with a variable rate loan that cannot be refinanced, and they owe back property and federal taxes. They also have a rental home that is $50,000 underwater. Both the individual and their husband have experienced a slowdown in work while accumulating credit card debt trying to stay afloat financially over the last 5 years.
The document compares the annual budgets and living expenses of Annie and David who live in St. Louis, Missouri. It outlines their incomes, taxes, savings, housing costs at an apartment in downtown St. Louis, healthcare, transportation, utilities, food, and extracurricular spending. After accounting for all expenses, Annie and David each have approximately $1,000 remaining in their annual budgets.
This document contains a personal budget for Misael de la Rosa showing a yearly income of $914,796 and monthly expenses of $55,154.58. It breaks down expenses into categories such as housing ($17,977.27 per month), transportation ($1,589.78), personal ($1,279.95), furniture/electronics ($170.53), retirement/college ($19,273.19), and savings ($14,923.86). The housing section lists specific costs like rent, utilities, and services. Transportation lists a car payment, gas/maintenance/fees, and car insurance. The conclusion expresses a vision for the future with a big house, family, career as a neurosurgeon
Use credit union home loan basics 2 28 12mullarkea
The document discusses the benefits of home ownership over renting, the importance of good credit for getting approved for a mortgage, and provides an overview of the steps in the home buying process including getting pre-qualified or pre-approved, different loan types, and working with a realtor to make an offer and go through the closing process.
Los grupos-de-trabajo-como-generadores iiBloggerBlogspotceciliags77
Este documento describe cómo los grupos de trabajo pueden desarrollar habilidades orales. Explica que trabajar en equipo requiere la colaboración de todos y permite descubrir y comentar ideas en grupo. También menciona que los grupos generan experiencias positivas como compañerismo y amistad, y ayudan a desarrollar habilidades comunicativas y sociales. Finalmente, discute cómo la configuración espacial del aula afecta la comunicación entre estudiantes y su capacidad para aprender.
Este documento proporciona instrucciones para acceder y navegar a través de las aulas virtuales de la Universidad de San Buenaventura para el programa de Licenciatura en Lengua Inglesa. Explica cómo ingresar a las aulas virtuales a través de la página web de la universidad y luego acceder a los cursos específicos utilizando las credenciales proporcionadas. Además, describe los recursos disponibles dentro de cada curso como temas, actividades, tareas y foros de discusión, y cómo los estudiantes pueden nave
El documento proporciona información sobre un estudiante llamado Diego Alejandro Espinosa Lagos que asiste al Colegio Nacional Nicolás Esguerra. Contiene su número de identificación 801 y la unidad 8 trata sobre formar objetos mediante soldadura, recorte e intersección.
The employee received a salary of $3,032.96 for the month which included a $200 bonus. From this salary, taxes were deducted including 6.2% for Medicare ($188.04), 1.45% staff taxes ($43.98), 6% state tax ($181.98), 14% federal tax ($424.61) for a total tax amount of $838.61. The employee's net salary paid via bank transfer was $2,194.35.
This document discusses regular pay and overtime pay rates. It provides examples of calculating time-and-a-half and double-time pay rates based on an employee's regular hourly rate. It also shows examples of calculating gross weekly wages for employees who worked overtime, using their regular pay rates and hours worked.
An athletic trainer earns a median annual salary of $35,870. After taxes, their net monthly income is $2,241.88. Their monthly expenses include $955 for rent, $300 for a car payment, $200 for car insurance and gas, $65 for food, $191 for utilities, $95 for phone and services, $40 for entertainment, and $74.37 for a student loan payment. Their total monthly expenses are $2,241.29, leaving them with $0.59 more than their income each month. If they received a 0.5% raise, they would put the extra $112 per month into savings. This budgeting project taught them the importance of spending
The document compares the costs of living in Boston and San Diego for someone making $48,000 per year. In Boston, total annual costs are approximately $53,384 including housing that is $1,030 per month, while in San Diego total costs are approximately $54,721 with housing that is $910 per month but higher transportation and food costs. Both locations have similar taxes, savings amounts, student loan payments, and healthcare costs. Overall, the costs of living in Boston versus San Diego for this individual are comparable.
The document analyzes the cost of living for Patricia Ferido and Sherry Aziz living together in Atlanta, Georgia. It details their individual incomes, taxes, savings, housing costs of $799 per month to share an apartment, and monthly expenses for utilities, transportation, healthcare, food, and discretionary spending. In the end, Patricia is left with $5,145.06 remaining and Sherry has $1,293.20 remaining after accounting for all costs of living in Atlanta.
This document compares the cost of living for two individuals, Patricia Ferido and Sherry Aziz, living together in Atlanta, Georgia. It details their incomes, taxes, savings, housing costs at an apartment in Atlanta, utilities, transportation, healthcare, food, and discretionary expenses. In the end, Patricia is left with $5,265.06 remaining while Sherry has $1,293.20 remaining after accounting for all expenses.
This document compares the cost of living for two individuals, Patricia Ferido and Sherry Aziz, living together in Atlanta, Georgia. It details their incomes, taxes, savings, housing costs at an apartment in Atlanta, utilities, transportation, healthcare, food, and discretionary spending. In the end, Patricia is left with $5,265.06 remaining while Sherry has $1,293.20 remaining after accounting for all expenses.
Brandon Lisenby earns an annual salary of $68,000 or a monthly salary of $5,666. After deducting taxes and other expenses, he saves $2,625 per month towards buying a house over 7 years that costs $293,000. His monthly expenses include $700 for rent, $80 for utilities, $300 for insurance, and other typical spending on items like food, transportation and entertainment while still putting away savings each month.
This document outlines an employee's salary details, including a $3,032.96 base salary plus $200 bonus. It lists the taxes deducted at various rates for social security, Medicare, state and federal, totaling $838.61. The net salary paid after taxes was $2,194.35, which was paid via bank transfer to the employee.
The document summarizes the monthly budget and expenses of a married couple, Rita and John. They earn a combined income of $105,000 annually and purchase a condo for $284,900 with a 5% down payment and 4.04% interest mortgage. Their monthly expenses include $1,930 for the mortgage, $325 for Rita's car insurance, $180 for gas, $121 for John's transit pass, $120 for utilities, $600 for groceries, $300 for clothing, $600 for discretionary spending, and $200 for incidentals. This leaves them with $3,940 excess monthly that is split between savings accounts.
This document summarizes the costs of living for Annie and David in St. Louis, Missouri. It outlines their incomes, taxes, savings, housing costs for a two-bedroom apartment, healthcare premiums, utility costs, and remaining disposable income after expenses. Both Annie and David have individual health insurance plans through Blue Cross Anthem that cost $74.95 per month. They share a two-bedroom apartment located downtown near public transit for $855 per month plus utilities. The document provides a detailed breakdown of their annual living expenses.
This document compares the tax savings and out-of-pocket costs of renting versus buying a home for first-time buyers over a 5-year period. It shows that first-time buyers would save $11,440 in taxes and $14,700 in out-of-pocket costs, for a total 5-year savings of $26,140 by purchasing rather than renting. The key deductions for homeowners are mortgage interest and property tax deductions, which lower taxable income and tax liability each year compared to renters who do not receive these deductions.
This person is seeking financial advice as they are in a difficult financial situation. They own a home that is $100,000 underwater with a variable rate loan that cannot be refinanced, and they owe back property and federal taxes. They also have a rental home that is $50,000 underwater. Both the individual and their husband have experienced a slowdown in work while accumulating credit card debt trying to stay afloat financially over the last 5 years.
The document compares the annual budgets and living expenses of Annie and David who live in St. Louis, Missouri. It outlines their incomes, taxes, savings, housing costs at an apartment in downtown St. Louis, healthcare, transportation, utilities, food, and extracurricular spending. After accounting for all expenses, Annie and David each have approximately $1,000 remaining in their annual budgets.
This document contains a personal budget for Misael de la Rosa showing a yearly income of $914,796 and monthly expenses of $55,154.58. It breaks down expenses into categories such as housing ($17,977.27 per month), transportation ($1,589.78), personal ($1,279.95), furniture/electronics ($170.53), retirement/college ($19,273.19), and savings ($14,923.86). The housing section lists specific costs like rent, utilities, and services. Transportation lists a car payment, gas/maintenance/fees, and car insurance. The conclusion expresses a vision for the future with a big house, family, career as a neurosurgeon
Use credit union home loan basics 2 28 12mullarkea
The document discusses the benefits of home ownership over renting, the importance of good credit for getting approved for a mortgage, and provides an overview of the steps in the home buying process including getting pre-qualified or pre-approved, different loan types, and working with a realtor to make an offer and go through the closing process.
Los grupos-de-trabajo-como-generadores iiBloggerBlogspotceciliags77
Este documento describe cómo los grupos de trabajo pueden desarrollar habilidades orales. Explica que trabajar en equipo requiere la colaboración de todos y permite descubrir y comentar ideas en grupo. También menciona que los grupos generan experiencias positivas como compañerismo y amistad, y ayudan a desarrollar habilidades comunicativas y sociales. Finalmente, discute cómo la configuración espacial del aula afecta la comunicación entre estudiantes y su capacidad para aprender.
Este documento proporciona instrucciones para acceder y navegar a través de las aulas virtuales de la Universidad de San Buenaventura para el programa de Licenciatura en Lengua Inglesa. Explica cómo ingresar a las aulas virtuales a través de la página web de la universidad y luego acceder a los cursos específicos utilizando las credenciales proporcionadas. Además, describe los recursos disponibles dentro de cada curso como temas, actividades, tareas y foros de discusión, y cómo los estudiantes pueden nave
El documento proporciona información sobre un estudiante llamado Diego Alejandro Espinosa Lagos que asiste al Colegio Nacional Nicolás Esguerra. Contiene su número de identificación 801 y la unidad 8 trata sobre formar objetos mediante soldadura, recorte e intersección.
This 3 sentence document provides an introduction to a tutor named Miguel Angel Tovar and shares a link to his blog mafewil86.blogspot.com. The tutor is introducing himself and sharing the link to his blog for others to access.
Este documento presenta información sobre los elementos constitutivos del costo de producción, incluyendo materias primas, mano de obra directa y carga fabril. También discute conceptos como costos, gastos y pérdidas, y esquemas de costos como costo primo y costo de producción. Finalmente, introduce la metodología de costo ABC para asignar costos indirectos a actividades y objetos de costo.
La aplicación mydlink shareport de D-LINK permite a los usuarios acceder y compartir películas, música y otros archivos almacenados en una unidad USB conectada a los routers wi-fi 11 AC de D-LINK desde cualquier dispositivo móvil a través de una nube privada. La aplicación crea una nube personal gratuita para ver y compartir contenidos de forma fácil desde cualquier lugar del mundo con una conexión a Internet.
El documento define términos clave relacionados con la computación como software, hardware, periféricos, memoria, CPU, entre otros. Explica que el software son los programas y procedimientos necesarios para realizar tareas, mientras que el hardware son los componentes físicos. También describe los diferentes tipos de periféricos, memorias (RAM y ROM) y su función, y define la CPU como el componente que interpreta instrucciones y procesa datos de los programas.
La netiqueta se refiere al conjunto de normas básicas de urbanidad y buena conducta en internet con relación a otros usuarios. Algunas de estas reglas incluyen no escribir todo en mayúscula porque equivale a gritar y corregir todos los errores antes de enviar un correo electrónico.
La batalla del 21 de mayo de 1821 en Córdoba, Veracruz fue entre el ejército realista y el ejército insurgente por el control de esta importante ciudad. A pesar de estar en desventaja numérica y de armamento, los defensores de Córdoba, liderados por José Joaquín Herrera, lograron repeler al ejército realista comandado por Francisco Hevia, quien murió durante la batalla. Tras la retirada del ejército realista el 21 de mayo, la independencia de México quedó más c
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá la mayoría de las importaciones de petróleo ruso a la UE a partir de finales de año. Algunos países como Hungría aún dependen en gran medida del petróleo ruso y podrían obtener una exención temporal al embargo.
Mortgage note buying opportunity presentation (johnson&brown llc) sildeshowEddie Brown
This document advertises the sale of mortgage notes on 12 properties located in Jacksonville, Florida. Contact information is provided for Eddie Brown and Charles Johnson to call or email for details on mortgage notes priced at $40,000 each with loan balances ranging from $53,000 to $65,000 and net yearly cash flows ranging from $4,666.80 to $5,723.40. Each property is a 3 bedroom, 2 bathroom single family home.
A financial GPS to find the quickest route to ZERO debt, Presented by Serena ...Serena Rinaldi Lambiase
A financial GPS to find the quickest route to zero debt; Software program that guides you to pay off your morgage and ALL debts faster by using interest cancellation methods; NO LOANS necessary
This document compares the costs of renting versus owning a $400,000 home over a 10 year period. Renting would cost $334,975 in rent over 10 years while owning would cost $292,050 in mortgage payments and provide $56,863 in federal tax savings and $219,794 in estimated equity over the same period. It outlines an example loan scenario with a 30 year VA loan at 4.25% interest and $4,950 in closing costs to purchase the home. The document cautions that the numbers are estimates and actual costs and market conditions could vary.
The 5th eGuide in our series. Wondering how interest rates have an impact on your monthly mortgage payment? This eGuide will explain how rates and timing financially impact your future payments.
Mark and Joyce are reviewing their financial situation. Mark earns $3,960 per month and Joyce earns $3,125 per month for a total monthly income of $7,085. They have various debts including credit cards and a mortgage. Their monthly debt payments total $2,177. They have $33,600 in a 401(k) and their home is valued at $210,000. Tracking their spending has helped them identify areas to reduce expenses and pay down debts faster. Their goal is to retire by age 65 with adequate savings.
Retirement Planning- Case studyPart 1A) SMART Goal Setting.docxronak56
Retirement Planning- Case study
Part 1
A) SMART Goal Setting
Specific
What: They should to achieve debt freedom and save enough money before age 65. They supposed to decrease his daily expense to save more money, to pay off the current loan and some credit debts. Then they need to start RESPs for their children.
Why: Their Net cash flow was negative, it means they have more expense than income. They must find a way to solve these problem, even through they have 308879.63 net worth, but it is useless. They have too many loan and mortgage need to repayment.
Where: They should focus on house mortgage first, because that $300000 mortgage with interest rate is 4.75%.
Who: their children. When they do this financial planning, their kids is inherently involved in.
Which: They have some constraints which is that they need to pay education for kids, they have economic pressure, so saving money is hard thing for them.
Measurable:
They want to save $2000 per month to pay off their mortgage $1897.57 monthly.
Achievable:
We suggest saving money from Entertainment and Transportation.
· Yearly expense
Travel $120, Activities $360, Alcohol $120 totally is $600
We also can decrease expense form car insurance, Colin and Jill can use one car and suspend the car insurance saving $1440 yearly.
They already saving $2040 for one year.
Realistic:
That is realistic because they can easily to save money form their income, they need to know how to budgeting their money, especially they already have two kids.
Time-Limited:
They will save money form their daily life for $2040 for one year, their yearly mortgage is $1897.57*12= $22770.84, they need to saving 10 years money to pay off one year mortgage.
B) Cash Flow Statement & Net Worth Statement
According to the expense statement for retirement planning, I estimate the expense after Colin and Jill retirement is $28546.68. It means they need income after tax is same amount.
Electricity/water: When they are after 65 year old, they should sleep so early that compare with before. That’s why their electricity usage rate is going down. Change $150 to $100 per month
Internet: they don’t use internet after 65 years old, because they always watching TV or reading book, no time to use internet. Change $100 to $50 per month
Groceries: it will change some because they want to be health, and will buy many nourishment and fruits,and more milk. Not changed.
Eat-out: eat-out cost will be decrease, they usually cook at home. Change $100 to $50 per month
Colin&Jill car insurance: They don’t need two cars for driving, so they can just drive one car with one car insurance, so the cost will be decrease. Decrease $110 per month
Gas fee: gas cost also decrease because two cars in stead of one car.
Medical: Colin has high blood pressure, his medicines cost will increase.
Travel: Colin and Jill like to long-distance travel every month,so that’s why travel cost is increased. Change $50 to $ ...
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Sense Levent Kagithane Catalog - Listing TurkeyListing Turkey
Sense Levent offers a luxurious living experience in the heart of Istanbul’s vibrant Levent district.
This cutting-edge development seamlessly integrates modern design with natural elements, featuring live evergreen plants maintained by an advanced irrigation system, ensuring lush greenery year-round.
The building’s elegant ceramic balconies are both stylish and durable, enhancing the overall aesthetic and functionality. Residents can enjoy the 700m Sky Lounge, which provides breathtaking views of Istanbul and a perfect space to relax and unwind.
Sense Levent promotes a healthy and active lifestyle with a full gym, swimming pool, sauna, and steam room, all available in the building. The interiors are crafted with high-quality materials, ensuring a luxurious and inviting living space.
Designed with young professionals in mind, Sense Levent features 1+1 and 2+1 units with smart floor plans and balconies. The project promises high investment returns, with an expected annual return of 6.5-7%, significantly above Istanbul’s average ROI.
Located in the rapidly growing and highly desirable Levent area, the development benefits from ongoing urban regeneration projects. Its prime location offers proximity to shopping malls, municipal buildings, universities, and public transportation, adding immense value to your investment.
Early investors can take advantage of discounted units during the construction phase, with an expected capital appreciation of +45% USD upon completion. Property Turkey provides comprehensive rental management services, ensuring a seamless and profitable investment experience.
Additionally, robust legal support and significant tax advantages are available through Property Turkey’s licensed Real Estate Investment Fund. Levent is a dynamic urban hub, ideal for young professionals with its numerous corporate headquarters and shopping malls.
Sense Levent is more than just a residence; it’s a place where dreams and opportunities come to life. Contact us today to secure your place in this exclusive development and experience the best of Istanbul living. Sense Levent: Sense the Opportunity. Live the Dream.
https://listingturkey.com/property/sense-levent/
The KA Housing - Catalogue - Listing TurkeyListing Turkey
Welcome to KA Housing, a distinguished real estate development nestled in the heart of Eyüpsultan, one of Istanbul’s most promising districts.
Just 10 minutes from the bustling city center, Eyüpsultan offers a serene escape with the convenience of urban living. The direct metro line ensures seamless connectivity to all parts of Istanbul, making it an ideal location for residents who seek both tranquility and vibrancy.
KA Housing boasts unparalleled accessibility, with proximity to Istanbul Airport only 30 minutes away, facilitating easy international travel. Effortless city access is guaranteed by direct metro and transportation links to Istanbul’s cultural and commercial hubs. Quick access to key metro lines connects you to every corner of the city within minutes, making commuting and exploring the city hassle-free.
The development offers luxurious living spaces with a range of unit layouts from 1+1 to 4+1, designed with meticulous attention to detail. Each unit features balconies or terraces, providing stunning vistas of Istanbul and enhancing the living experience. High-quality materials and superior craftsmanship ensure durability and elegance, while sound-proof insulation and high ceilings (2.95 m) offer comfort and sophistication.
Residents of KA Housing enjoy exclusive on-site amenities, including a state-of-the-art gym, outdoor swimming pool, yoga area, and walking paths. Entertainment options abound with a private cinema, children’s playground, and a variety of dining options including a café and restaurant. Security and convenience are paramount with 24/7 security, a dedicated carpark garage, and an IP intercom system.
KA Housing represents a prime investment opportunity with limited availability in a high-demand area, ensuring enduring value and potential for lucrative returns. Homes in this development provide exceptional value without compromising on quality, offering affordable luxury for discerning buyers. The construction is of the highest quality, built to the latest seismic and disaster resistance standards, ensuring safety and resilience.
The community and surroundings of KA Housing are enriched by close proximity to prestigious universities such as Haliç University, Bilgi University, and Istanbul Ticaret University, making it an ideal location for students and academics. The development is adjacent to the Alibeyköy stream leading into the Halic waters, offering serene natural escapes amidst lush greenery. Residents can enjoy the cultural richness of the area, surrounded by historical and cultural landmarks that blend leisure, nature, and culture seamlessly.
https://listingturkey.com/property/the-ka-housing/
BEST FARMLAND FOR SALE | FARM PLOTS NEAR BANGALORE | KANAKAPURA | CHICKKABALP...knox groups real estate
welcome to knox groups real estate company in Bangalore. best farm land for sale near Bangalore and madhugiri . Managed farmland near Kanakapura and Chickkabalapur get know more details about the projects .Knox groups is a leading real estate company dedicated to helping individuals and businesses navigate the dynamic real estate market. With our extensive knowledge, experience, and commitment to excellence, we deliver exceptional results for our clients. Discover the perfect foundation for your agricultural aspirations with KNOX Groups' prime farm lands. These aren't just plots; they're the fertile grounds where vibrant crops flourish, livestock thrives, and unique agricultural ventures come to life. At KNOX, we go beyond selling land we curate sustainable ecosystems, ensuring that your journey toward agricultural success is seamless and prosperous.
Recent Trends Fueling The Surge in Farmhouse Demand in IndiaFarmland Bazaar
Embarking on the journey to acquire a farmhouse for sale is just the beginning; the real investment lies in crafting an environment that contributes to our mental and physical well-being while satisfying the soul. At Farmlandbazaar.com, India’s leading online marketplace dedicated to farm land, farmhouses, and agricultural lands, we understand the importance of transforming a humble farmland into a warm and inviting sanctuary. Let's explore the fundamental aspects that can elevate your farmhouse into a tranquil haven.
If you're Planning to Build a House in Haldwani, Understanding the House Construction Cost in Haldwani is crucial. It's important to grasp the direct and indirect cost factors entailed in the Construction process before Initiating any work. This Understanding is pivotal for Efficient Budget allocation, allowing you to plan your finances more Effectively. Construction expenses can vary Significantly, Influenced by Diverse Elements such as site Location, raw material prices, Labour charges, and various other variables. Here at Geomatrix, we pride Ourselves on offering competitive rates for house construction in Haldwani, ensuring affordability without Compromising on quality and providing the best options within your budget. For a precise evaluation of the cost involved in constructing your dream home, consult our team of architects and construction experts.
For more information visit:
https://geomatrix.co.in/services/real-estate-project-management-in-haldwani/
At Geomatrix, we Pride Ourselves on our Commitment to Superior Craftsmanship and client satisfaction. Our team Consists of Highly Qualified specialists including Architects, Engineers, project Managers, and skilled labourers who work seamlessly together to achieve ourclients' Objectives. Geomatrix is recognized as the Best Construction Company in Haldwani, Dedicated to bringing visions to life with unparalleled Expertise and Professionalism.
For more information visit:
https://geomatrix.co.in/
Serviced Apartment Ho Chi Minh For RentalGVRenting
GVRenting is the leading rental real estate company in Vietnam. We help you to find a serviced apartment for rent in Ho Chi Minh & Saigon. Discover our broad range of rental properties in Vietnam.
For more details https://gvrenting.com/
AVRUPA KONUTLARI ESENTEPE - ENGLISH - Listing TurkeyListing Turkey
Looking for a new home in Istanbul? Look no further than Avrupa Konutlari Esentepe! Our beautifully designed homes provide the perfect blend of luxury and comfort, making them the perfect choice for anyone looking for a high-quality home in the city.
With a wide range of apartment types available, from 1+1 to 4+1, we have something to suit every need and budget. Each apartment is designed with attention to detail and features spacious and bright living areas, making them the perfect place to relax and unwind after a long day.
One of the things that sets Avrupa Konutlari Esentepe apart from other developments is our focus on creating a community that is both comfortable and convenient. Our homes are surrounded by lush green spaces, perfect for enjoying a peaceful stroll or having a picnic with friends and family. Additionally, our complex includes a variety of social and recreational amenities, such as swimming pools, sports fields, and playgrounds, making it easy for residents to stay active and socialize with their neighbors.
https://listingturkey.com/property/avrupa-konutlari-esentepe/
Discover Yeni Eyup Evleri 2, nestled among the rising values of Eyupsultan, offering the epitome of modern living in Istanbul.
With its spacious living areas, contemporary architecture, and meticulous details, Yeni Eyup Evleri 2 is poised to be the star of your happiest moments. Situated in the new favorite district of Eyupsultan, claim your spot and unlock the doors to a peaceful life alongside your loved ones. Nestled next to the historical and natural beauties of Eyupsultan, embrace the comfort of modern living and rediscover life.
Social Amenities:
Yeni Eyup 2 offers a life filled with joy with its green landscaping areas, gym, sauna, children’s play areas, café, outdoor pool, and basketball court. Reserve your place for unforgettable moments!
Reliable Structure:
With 1+1, 2+1, and 3+1 apartment options, Yeni Eyup Evleri 2 is designed with first-class materials and craftsmanship. The doors to a safe and comfortable life are here! Choose the option that suits you best and step into your dream home.
Project:
Yeni Eyup 2 is conveniently located, with Istanbul Airport just 26 minutes away, the Mecidiyeköy Metro Line 4 minutes away, and the Tram Stop 5 minutes away, making your life easier with its central location.
Location:
Your home is positioned in a privileged location, providing easy access to the city center, shopping malls, restaurants, schools, and other important places.
Yeni Eyup 2 offers 1+1, 2+1, and 3+1 apartment options designed to meet different needs. Find an option suitable for every lifestyle and open the doors to a comfortable life in your dream home.
https://listingturkey.com/property/yeni-eyup-evleri-2/
Things to Consider When Selling Your House - Summer 2024 Edition
1103 W Glendale St, West Covina
1. $489,500
1103 W Glendale St, West Covina
Financing FHA REG VA CONV
Notes Fixed Rate Fixed Rate Fixed Rate
Sales Price $489,500 $489,500 $489,500
% Down 3.50% 0.00% 15.00%
First Loan $480,633 $500,024 $416,075
Term 30 Years 30 Years 30 Years
Rate 3.875% 3.875% 4.125%
APR 5.431% 4.091% 4.412%
CASH TO CLOSE
Down Payment $17,133 $0 $73,425
Closing Costs $5,325 $2,335 $4,706
PrePaids/Impounds $5,272 $5,292 $6,022
Total $ Required $27,730 $7,627 $84,153
HOUSING EXPENSE
First Loan P & I $2,260 $2,351 $2,017
Taxes, Ins & MI $1,162 $631 $763
Total Payment $3,423 $2,982 $2,779
INCOME TO QUALIFY
Income Guide $11,040 $10,280 $8,420
QUIET AND COMFORTABLE AND NEWLY RENOVATED
This home is located in a family neighborhood with nice, low maintenance
landscaping and plenty of room for outdoor recreation with a pool. An open
floor plan and other amenities invite casual, comfortable living or entertaining
friends or relatives. Close and convenient to schools, shopping and
transportation, it is priced for a quick sale to qualified buyers.
Alimon Williams
Branch Manager
909-529-1294
909-660-8333
909-693-5484
865129
Cell
Office
Fax
awilliams@pwhomeloans.com
http://www.pdmtg.com/AlimonWilliams
Pac West Home Loans
10737 Laurel St 100
Rancho Cucamonga CA 91730
This financing is designed to assist you in selecting the loan program that most closely suits your budget. Financing is shown for comparison only. This is not an offer of credit or
commitment to lend. Loans are subject to buyer/property qualification. Rates/fees are subject to change without notice. Cash reserves may be required for some conventional loans.