One of the best ways to simplify your mortgage shopping experience is to obtain a prequalification using a mortgage broker. A prequalification is one of the first steps in the mortgage approval process, and it usually involves answering some basic questions about your ability to repay any financing. Prequalification vs. Preapproval However, getting prequalified for a mortgage and receiving a preapproval from a lender are two different steps in the process. A prequalification involves you and…
Habitat for Humanity has been around for almost fifty years. In that time, they have built hundreds of thousands of homes for people in need. The organization was first founded in 1976 by Millard and Linda Fuller. Once they saw conditions people lived in, they wanted to follow the Christian values and assist them in getting homes. Habitat for Humanity is focused on those in need of decent shelters, and the people in need work with volunteers to make that happen. The houses are built at no profit…
The design by Mies Van Der Rohe’s TD Center was one of the most conspicuous arrangements of office towers in Toronto. It not only raised the standards of design throughout Canada, but also influenced every project that followed in the surrounding neighborhood. The Toronto Dominion Bank Tower was erected in 1967 costing 65 million dollars, with a height of 56 stories and over 1.3 million square feet of office space. The completion of the tower can be credited as a historic precursor of the…
An idyllic suburban residential community on Chicago's North Shore, Glencoe, Illinois consists mainly of single-family homes, occupied by their owners. The four square mile village is home to approximately 8,762 people, most of whom are professionals who earn over $100,000 per year. From kindergarten to eighth grade, Glencoe's children attend one of the three age-centered schools operated by Glencoe School District 35, followed by attendance at the New Trier Township High School. The high…
Facts Harry, a sheriff’s deputy, was injured on the job. He was allowed under his contract with the state to choose between $1,000 weekly sick-pay distributions or an $850 weekly workers’ compensation payment. Issue(s) Should Harry choose sick-pay or workers’ compensation based on the effects of income tax? Conclusions Harry’s best option is to select $850 weekly worker’s compensation payment, as such amount will be excluded from gross income. In comparation, the sick-pay distribution will be…
Being a real estate agent isn’t always easy. Just like any industry, there are those who give it a good name and those who give it a bad name. The bad agents are the minority, but because of their poor practices, they make the rest of the real estate agents look bad. There are a number of things that can cause real estate professionals to get a bad rap. Money hungry, untrustworthy, and commission hungry agents who will say or do anything just to make the sale affect the good reputations of good…
Condos offer conveniences that townhomes and single family homes do not. A condominium is property individually owned and also shared within the condo community. As a condo owner you will own the "inside" of your property (everything inside your door) but share common areas with your neighbors. So you own your kitchen, but not your roof or the hallway leading to your door. Your condo association, collects monthly fees from you to manage and maintain the common areas. That means the condo…
eople require dumpster rental services for many reasons. For example, a landlord often needs to clean the apartment where the last tenants left garbage piled high. A professional home renovator often takes several trips to the county dump. Or perhaps, you just have a big cleaning task to do and you need a place to dispose all the waste materials. Usually, renting of these king-size garbage containers is the region of large construction companies, but there many dumpster rental companies that…
California Reality Check Forming a budget is necessary in order to learn how to handle money and become financially successful. Creating a budget helped me discover how I’d like to live, and how I can afford my desired life style. Eventually I’d like to have my own home, so for housing, I selected the “buy a place of your own” option. The estimated monthly cost for this was $3,180. Next I had to choose the expenses that would come along with owning my own place. I chose the mobile phone service,…
Did you get your Proposed 2016 Crestwood Terrace Budget and Proxy information? Interesting that the Board Meeting was Thursday to discuss the budget, dues increase, and assessment; and we got the information in Friday's mail! As far as I could see, only four homeowners (all women except for Daryl) and three Board Members (Ed, June, and Karen) attended. But, if RPM already had the information to send out, what good would it have done for anyone to attend and comment, anyway? The proposed…