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A Guide to Bathroom Vanities
When it comes to sharing bathroom space, the vanity set up can
make or break the relationship! Many couples spend a great deal
of time focusing on spa bathtubs and marble showers, but neglect
the space where they actually spend a greater amount...
A Quick History Of The Clock
The earliest clocks were simply ways of keeping track of time using the elements. The sundial did this, as well as a clock created in ancient Greece often ascribed to Plato, that used water dripping from a bowl. The Romans later took this clock...
Home Improvement Books
Home improvement books are just as common as magazines and
catalogues. They are not full of the same information though,
they tend to stick on true stories or architectural designers
stories! Home improvement books are more than light reading...
Planning your DIY project
Ready to start your first serious DIY project? Read through the checklist below to make sure you are well prepared to start - and finish! - the job: 1. Do an overview of the project, making sure that you understand all its requirements. Sometimes...
The Secrets for Winterizing Your Garden
If you're like most people it isn't the thought of winterizing
your garden that gets you, it's figuring out where to start.
There's just so much to do that it can sometimes be hard to know
where to begin!
Well, relax. The harvest is...
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Renting Versus Buying A Home
Renters are often in a quandary as to whether it makes sense to continue renting or buy a home. Buying a home makes more sense, particularly when taking a long-term view. Yes, even in the current hot real estate market.
Renting – Advantages
Renting can have a few advantages depending on the part of the country you live in. The primary advantage is your monthly rent payment may be less than an equivalent mortgage. A secondary advantage is the fact that maintenance and improvements to the property are the responsibility of the landlord. Still, these advantages pale in comparison to the disadvantages of renting.
Renting – Disadvantages
The disadvantages of renting are significant. If you have any opportunity to purchase a home or condominium, it almost always makes sense to do so.
The biggest disadvantage of renting is the loss of value. Assume you rent a residence for $1,000 a month and you live in the residence for two years. You will have paid a total of $24,000 in rent, a pure expenditure. The $24,000 is simply gone and you will have nothing to show for it other than the time you spent in the home. Compare this to what your landlord has gained.
Rent payments are closely aligned with a landlord’s mortgage payment. Using the above example, lets assume your $1,000 rent exactly equals the mortgage payment. For two
years, you have indirectly paid the landlord’s mortgage, helping them build equity in the house by paying down the loan. In addition, the landlord has benefited from the appreciation of the property.
By appreciation, I simply mean the amount of increase in the value of the house. If the rental appreciated $20,000 in two years, the landlord has received a windfall. They may have seen a gain of $24,000 in appreciation and payments lowering the mortgage. As a renter, you have made this all possible. The landlord no doubt would like to thank you.
Now, what would have happened if you had purchased a similar home with similar financial figures? You would have seen an increase in YOUR wealth of $24,000, not the landlord’s wealth. If you renting, these figures should make your teeth grind.
If you are renting, you should be out shopping for your own property. After all, isn’t it time to make your money work for you, not a landlord?
About the Author: Raynor James is with http://www.fsboamerica.org - an online site providing national exposure for sellers listing properties and a database of properties for buyers.
Source: www.isnare.com
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| Lowe's Home Improvement |
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| "Home Improvement" (1991) |
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| Home Improvement Encyclopedia |
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| the home depot |
| www.homedepot.com/ - 2k - Cached - Similar pages |
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| Home Improvement - Do It Yourself - Home Remodeling | BobVila.com |
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| Energy Star Home Improvement Toolbox |
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| www.energystar.gov |
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| Home Tips: The Web's Most Helpful Home Improvement and Repair Site |
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| Home Improvement TV Show - Home Improvement Television Show - TV.com |
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| Home Improvement - Wikipedia, the free encyclopedia |
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| Home Improvement Archive |
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| Home Improvement |
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