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Finance > Insurance > Home Insurance3 Ways Renters Lose Money
Posted by nick_niesen in Finance on November 8th Shayne Gostisbehere Youth Jersey , 2010

Are you still renting a home or apartment for yourself or your family?

If so, you're losing money. Think about these three ways you lose money by renting:

1. You're paying for someone else's mortgage payment. You're missing out on the appreciation that the property gives to the landlord. Appreciation is a term used in accounting relating to the increase in value of an asset, which means in real estate terms, added value to the property. Over the past five years, houses appreciated significantly Claude Giroux Youth Jersey , making many new real estate investor multimillionaires.

2. Renters don't get to freeze their monthly housing expenses like home buyers can. Of course, many home buyers get mortgage payments with adjustable interest rates and their payments go up over time. However, these payments will not go up over the long term like rising rents. Just think about how much an apartment costs today compared to ten years ago. A two bedroom apartment in Lake Elsinore, California leases for $1,000 today. The exact same apartment rented for $325 in 1996 Wayne Simmonds Youth Jersey , when it was brand new. Home buyers who had low monthly payments in 1996, who did not refinance their mortgage, enjoy low payments and don't have to worry about rising rents.

3. Renters don't benefit from tax advantages. Home owners get income tax deductions. Tax deductions for interest costs, for instance, save tax payers thousands of dollars.

Emotional Satisfaction of Home Ownership

Besides losing out on making money with real estate Nolan Patrick Youth Jersey , renters don't get the same satisfaction of home enjoyment that benefits home buyers. Many landlords won't allow you to paint your walls in colors that you desire. Also, you won't feel like fixing up the property with custom window coverings and you get little say in flooring materials. Because you can't make your personal statement, you won't feel like you're HOME as much as home owners who feel emotionally connected to their property.

How to Buy Your First Home

The biggest barrier to home ownership is often accumulating funds for a down payment. People think they have to have thousands of dollars for a down payment. However, if you have good credit and a decent job, you can get a mortgage for a home with zero down. And you can finance some of your closing costs as well as ask the seller to help you pay a good portion of your purchase costs. With today's mortgage finance plans Valtteri Filppula Womens Jersey , you may be surprised to find out how much of a home you can afford with payments similar to what you currently pay in rent.

You may have to go out of the major metropolitan areas to buy a home. That's why so many people commute in Southern California. Affordable housing costs much less in outlying areas. But so do the rents. If you're renting an apartment for $2,300 in Los Angeles, you could buy a $500,000 home in Wildomar. Our daughter just purchased a home in December 2005 and her mortgage payment, for a 3 Jordan Weal Womens Jersey ,000 square foot new home, costs less than $2,300. With her tax savings, she will pay even less than renting a small apartment closer to downtown L A.

If these amounts sound high to you, check your local area. Perhaps your monthly rent is only $1 Brian Elliott Womens Jersey ,000 and houses cost less than $200,000. Talk to a mortgage loan officer and see how much of a home you can afford.

If you're renting, make one of your priorities to buy your own home.

Copyright © 2006 Jeanette J. Fisher

But the time that is spent is so well worth the work when you see your pleased, healthful parrot.

Parrots have become the most popular pet birds in recent occasions. And if you have at any time witnessed one in motion that you can recognize the elegance of this bird and the allure it has on its owners. These unique birds arrive in a lot of diverse hues with diverse personalities and temperaments. And if their attractiveness was not adequate, they also have the brilliance and intelligence to compliment their existence.

There are more than 350 species of parrots and each and every species call for a diverse treatment. A parrot diet program is really various just as their species is. Each and every parrot need a unique and diverse diet program.

Some of the things to get into consideration when contemplating about becoming a owner are:

Parrot Habits: The parrot habits is one particular of fantastic relevance simply because it decides if you have a joyful parrot or not.. If the bird is not provided the appropriate parrot meals Brandon Manning Womens Jersey , then as a operator you will see your parrot behaving in a way that seems odd and out of the regular.

Parrot Diet programParrot Food: Parrot diets are really critical simply because if their diet plan is wrong, then you will have severe behavioral troubles on your hand. A parrot diet ought to consist of some of the below talked about food items-parrot seeds, fresh new fruits and vegetables, refreshing drinking water and a wholesome portion of parrot pellets.

Parrot Cages: A parrot’s cage is important since he requirements adequate area to not experience closed in. And the area of the parrot cage does affect his mental state. The cage requirements to be massive enough so that the parrot can fly around. There also has to be adequate area for parrot toys without having the parrot feeling as if it really is being cramped in. Regularly examine the parrot cage to make sure that there have been no damages brought on of the parrot gnawing at the cage.

Parrot Teaching: Parrot traing is essential due to the fact parrots really like to devote time with their owners. And due to the fact they are highly intelligent, they get bored easily so instruction allows them stay energetic and give them a thing added to do.. As a general rule Scott Laughton Womens Jersey , a parrot proprietor must not more than anxiety the parrot with coaching. And th. Wholesale Jerseys Wholesale Jerseys Wholesale Soccer Jerseys Wholesale Jerseys China Wholesale NFL Jerseys Cheap MLB Jerseys Cheap NFL Jerseys China Cheap NFL Jerseys China Zach Ertz Eagles Jersey Tyreek Hill Chiefs Jersey
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