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All You Need To Know About The Feng Shui Bagua Map
The feng shui bagua map is an octagonal shaped map which allows you to evaluate in feng shui terms any living or working space. The feng shui bagua is a very important feng shui tool and indispensable when we wish to harmonize a place and the...
Can You Buy Luxury Home Brands Online and Save - Worry Free?
Are you frustrated with the high prices you've been quoted for luxury home decor? What if you could safely take advantage of the great selection and value of online shopping for home decor items that are normally $1,000, $5,000, even $10,000? ...
Eliminate Carpet Chemical Stains and Spots
Your carpet adds to the beauty and value of your home. With
proper maintenance, such as regular vacuuming and periodic
cleaning, your home's carpet can last between 15 and 20 years.
Unfortunately, due to carpet stains and carpet spots,...
How to Get the Most From Your Home Theater - Without Spending a Fortune
So you’ve scraped and saved, now you’ve finally gotten together a semi-respectable home theater system. You want even more, but the idea of spending another few thousand on new front speakers doesn’t cut it. What can you do? There are ways to get...
Radon Gas in Homes and Lung Cancer
Unsuspecting homeowners may not realize the full risks associated with Radon gas in their homes. Increasing evidence suggests that Radon gas is the most underestimated cause of Lung Cancer. Radon gas can occur anywhere, however some areas of the...
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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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