Home Buying 聳 What Can You Afford? Posted by nick_niesen on November 8th Air Max Plus Tilbud , 2010
Okay, you聮ve decided to buy a home and are trying to figure out what you can afford. Before you go home buying, you need to carefully consider what you can afford as far as a mortgage payment.
Mortgage Payments
The first step you should take in determining what you can afford is to talk to a mortgage lender. In fact, the best step you can take is to go through the loan process to the extent required to get a pre-qualification letter. A pre-qualification letter tells you and a seller how big of a home loan the lender will give you.
So, once you have the loan in hand, that must be the amount you can afford? The answer is maybe or maybe not. The prequalification letter is based on a number of factors such as your earnings and credit. It is not based on a picture of your life, which can lead to problems.
Other Expenses
There is nothing worse than buying a home and straining to make the monthly mortgage payments. This situation occurs when a homebuyer relies solely on the pre-qualification letter or their own wishful thinking. You may have purchased your dream home, but don聮t let the payments be a nightmare.
In determining how much you can afford to expend on a home purchase, you must consider your overall financial situation. Although you may be in a decent financial situation at the moment, do you have future expenses that will put pressure on your finances? Such situations might include:
1. Planning to have kids in the next year or so?
2. Are your current children going to college soon?
3. If you own a business, is the financial outlook stable?
4. If you work for a company, are you reasonably sure the company is headed in the right direction?
5. Do you have any concerns regarding the dreaded downsizing?
6. If you are the sole bread winner, what would happen if you were unable to work for a few months because of health issues?
These general questions are intended to wake you up to the possibility of over extending yourself on a mortgage. Every situation is different, so make sure you take a careful look at your life to make sure you are committing to a loan you can afford now and in the future.
Kobra 260 TS C4 Cross-Cut Shredder Available Now Technology Articles | March 14, 2011 The Kobra 260 TS C4 Cross-Cut Shredder has Touch Screen Panel: all controls are activated by simply touching the panel. Keep your finger on the "forward" control for 5 seconds and the machine will ...
The Kobra 260 TS C4 Cross-Cut Shredder has Touch Screen Panel: all controls are activated by simply touching the panel. Keep your finger on the "forward" control for 5 seconds and the machine will operate for 30 seconds when transparent material needs to be shredded. "EPC - Electronic Power Control": shows the shredding load required to optimise shredding without jams. New blade edges for the carbon hardened cutting knives which are unaffected by staples and clips: make it possible to achieve high shred loads with low power consumption. "ENERGY SMART": is the most advanced energy saving system around. When the machine has not been used for just eight seconds, the shredder goes into automatic power saving stand-by mode and can be restarted by simply inserting material into the machine to be shredded. When the machine has not been used for four hours, it automatically disconnects from the mains power supply and even switches off the Energy Smart light so the machine is not left on when nobody is in the office. "SUPER POTENTIAL POWER SYSTEM": sturdy steel gears' and metal chain drive system which offers superior reliability and resistance to wear in comparison with cheaper plastic chain drive systems. Two sets of cutting knives for separate shredding of paper, CDs, DVDs and credit cards, and separating the shredded material into two bins. "AUTOMATIC REVERSE SYSTEM": comes on when too much material is inserted into the shredder and puts the machine into automatic reverse. "AUTOMATIC OILING SYSTEM": KOBRA "TS" cross-cut and HS shredders can be fitted with a built-in automatic oiling system which eliminates the need for manual oiling of cutting knives. "SHRED GUARD - METAL DETECTION SYSTEM": warns when metal objects of any size are accidentally inserted into the entry opening and stops the machine before they reach the cutting knives. An illuminated optical indicator warns the operator to remove these objects in order to protect the knives.
Quick Overview * Kobra 260 TS C4 Shredder * Shreds up to 24 sheets of paper at a time, CDs, DVDs, credit cards * Touch Screen Panel * EPC - Electronic Power Control System: shows the shredding load required to optimise shredding without jams * ENERGY SMART? power saving system: machine goes into power saving stand-by mode after just 8 seconds and switches off automatically after 4 hours of non-operation * AUTOMATIC REVERSE System in case of jamming * 24 hour continuous duty motors: no duty cycle or timed cool down periods * Heavy duty chain drive with steel gears "SUPER POTENTIAL POWER UNIT" * Carbon hardened cutting knives unaffected by staples and metal clips * New high precision design of cutting knives allows high shred loads with low power consumption * 2 separate sets of cutting blades: one for paper and one for CDs, DVDs and credit cards * 2 distinct bags for separating shredded paper from plastic shreds * AUTOMATIC OILING SYSTEM: automatically lubricates cutting knives (optional)
TheBig H4ack
Thema drucken
09.09.2019 04:16
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