When Renting Is Better Than Buying – Mortgage
When Renting Is Better Than Buying
Dan The Roommate Man
If possible, it is ALWAYS better to buy than to rent. Right Perhaps Not.
No one will deny that owning your home is a big part of the American Dream. It is also a goal that most people, rightfully, strive to attain. Home ownership can provide substantial financial rewards, afford tremendous peace of mind, be the source of immense personal pride, and greatly add to a persons general well-being and quality of life.
Having said all that, there are still certain times, and certain situations, where renting may be a far more viable option than buying.
You Should Consider Renting Instead Of Buying A Home When:
You Know Your Time In An Area Is Very Short.
If you know, for a fact, that you going to leave an area in two years or less, than the costs associated with buying and selling real estate might not only eat up any profits gained by appreciation, but may even cause you to lose money. Having said that, a viable option might be to purchase a house you would want to hold as an investment property. When doing this, buy a house that makes economic sense for you as a future landlord, not as a home owner. This may mean purchasing a townhouse or condo instead of a single home , or it could signify buying a smaller, less expensive home.
Your Financial Situation Means You Will Be Totally Strapped For Cash.
Stretching your qualifying limits can be a good thing for some buyers, in certain situations and markets. However, generally you should avoid any scenario that places you in jeopardy of finding yourself under serious financial strain. The bottom line is this: while some buyers can qualify for a loan by moving heaven and earth, conventional wisdom shows that they probably should not. A better option would be to test the waters. Spend at least a few months living as if you had already taken on the more strenuous financial obligations a mortgage payment would create. If you can do this without a lot of stress, than you have a win-win situation. You will have saved extra money for your down payment, or your "cushion", and you will have gained an added measure of confidence in your ability to handle increased obligations.
Your Relationship With A Co-Buyer Is Not On Steady Ground.
Heres a word to the wise. If a couple is experiencing marital problems, buying a house is probably not going to solve their issues. What it will do is complicate the divorce process, should this be the unfortunate outcome. A better option for a couple might be to use the occasion of a mutual desire to buy a house as an opportunity to sit down and work out their problems, if possible, first.
Buying a home is or should be one of those high points in life. It should be exciting and wonderful and full of promise. With a little advance planning and forethought, it can be all that and more.
Published: October 1, 1998
About The Author
Since 1989 Dan The Roommate Man has helped 1000s of people find roommates. Need help Contact him at 800-487-8050 or www.roommateexpress.com
info@roommateexpress.com
Custom Jewelry, Informationa and Buying Tips – Women
Custom Jewelry, Informationa and Buying Tips
www.kaisilver.com
Custom Jewelry, Information And Buying Tips.
Custom jewelry includes any jewelry that is made according to design details provided by the buyer. There are various reasons why jewelry buyers opt for custom jewelry instead of buying standard ready made jewelry.
The main reasons for ordering custom made jewelry would include the following:
1 Requirement of a very specific design that is not common and popular: A family ring would be a good example of custom jewelry. A buyer who loves cats and dogs might want to have a ring that shows a cat and a dog sitting next to each other on the same ring. The probablility of getting standard jewels of this type is slim and custom jewelry is the only option.
2 A design that is a combination of other designs: Buyers often come up with requirements that can combine certain features of two or three rings into one single ring. The texture from one ring might be combined with the gemstone mounting of another. When such specific requirements are revealed, custom made jewelry can deliver the exact results required.
3 Requirement of high end craftsmanship: Standard mass produced jewelry does not have the kind of high end craftsmanship that is expected for custom jewelry. On the other hand custom jewelry is almost always produced in single pieces and requires individual attention from skilled craftsmen. Most of the work for custom jewelry is done by hand and perfect handfinishing is provided.
4 The need for large sized jewelry: You might find the perfect ring of your dreams, the design and gemstones could be exactly what you want however, your ring size might not be available. The choice in such a case is to order custom jewelry that is specifically made to your size requirement.
Here is some advice on buying custom jewelry:
1 Good gemstones for the price paid: Mass produced jewelry are normally produced with medium to low quality gemstones. This is done in a bid to keep prices down and cater to low priced markets. Very often reject quality gemstones are used and gemstone defects are sought to be covered up with cleverly designed mountings. Ensure that the gemstones used in your custom jewelry are the best quality for the price paid.
2 Good Gold Weight: Your custom jewelry should have a good weight. This is helpful in more ways thank one. Firstly, the good weight will ensure that your custom jewelry does not bend and twist at the slightest excuse. The good gold content will also allow the gemstones to be firmly mounted and also protect the edges and corners of the gemstone from side impact.
3 Highend Craftsmanship: Custom jewelry is individually made in single pieces and is therefore more expensive as compared to standard mass produced jewelry. Good quality custom jewelry needs expert craftsmen and most of the work is handmade. The details on the custom jewel should be handfinished and perfect. Insist in getting the best craftsmanship for the premium price you pay for custom jewelry.
4 Choice of Gold and Gemstones: Select your choice of 14k or 18k gold for your custom jewelry. There is also the choice of white gold or yellow gold to be made and make sure that your jeweller gives you this choice. Many jewellers push buyers into ordering 18k gold for custom jewelry. The reason is simple, 18k gold is more expensive and provides better profit margins to the seller. The second reason is that 18k gold is softer as compared to 14k gold and therefore more easier to work with. These reasons do not always make 18k gold good for you. There are some cases where the hardness of 14k gold is a better choice. This could be the case for male rings and also rings that have a fine and delicate design.
5 Long Term Durability: Get complete design details of your custom jewelry and ask for comments of the seller. The gemstone mounting, gold weight and design details will all work together to decide the durability of your custom jewelry. A good jeweller will provide complete guidance and advice before you make the buying decision. If your jeweller seems over eager about pushing you to order without complete information, get another jeweller.
6 Design Flexibility: Since custom jewelry is supposed to be specially made, you should have the option to request for any design modifications that you need. There should be no limitation on this and a good custom jeweller should allow you to send in your own designs to be custom made too. A jeweller who tries to restrict design flexibility is most likely trying to sell you a standard jewel as a custom jewel. All you end up getting is a higher price. Watch out for such gimmicks and avoid such jewellers.
7 Value The Jeweller: Not all jewelry buyers are experts, few buyers have indepth knowledge about gemstones and various jewelry design technics. In most cases you would have to rely on the advice of your jeweller so, get one that you can trust. Spend time reading the feedback from customers of your jeweller, this would point to important information regarding the capability of your jeweller. It is rightly said that, in the case of custom jewelry you need to value the jeweller before you value the jewelry.
We do hope that you have found this article to be useful. The trend to order custom jewelry is growing in recent years and it is important that, custom jewelry buyers get all the benefits for which they in fact pay a premium price.
You can see a few examples of high end custom jewelry at this link: http://www.kaisilver.com/custom-jewelry.htm
Will be back with more gemstone and jewelry information.
Thanks and God Bless.
About The Author
Ms.Tuk
Senior Executive at http://www.kaisilver.com the worlds leading online provider of high end custom jewelry. All custom jewelry is made with high end craftsmanship, in white or yellow gold. All gemstone options are available.
Plan Before Buying Rose Bushes – Home
Plan Before Buying Rose Bushes
David G. Hallstrom
The following article was written by David G. Hallstrom for and originally published by National Realtors Directory.com.
So, you have decided to plant rose bushes in your yard or on your patio, porch or balcony. Now all you have to do is go out and buy some bushes and plant them. Right Wrong!!
There are several things that you have to decide before buying:
1. Where are you planning on planting
2. Are you going to plant in the ground or in containers
3. Do you want roses that are scented or unscented
4. Do you want bushes, trees, climbers, vining or do you want them to grow into a hedge
5. Do you want large, medium, small or miniature blooms
6. Do you want roses for cutting
7. What colors go best with your garden, patio, porch or balcony
There are several types of roses, among them are:
Hybrid teas bloom frequently, are hardy, come in a wide range of colors, are well sented and are good for cutting for vases. The size of the blooms and the length of the stem depends on how they are pruned. They make the best long stem roses for cutting.
Hybrid perpetuals are seldom planted today as they have a limited color range and normally bloom less frequently. They are, however, quite hardy and have large well scented blooms. The "American Beauty" rose is from this category.
Grandifloras are a cross between hybrid teas and floribundas. The flowers are the same size and shape as hybrid teas, however they usually have an abundance of blooms on each stem. These roses are very popular for growing in containers.
Floribundas have slightly smaller flowers but are hardier, have a longer growing season in cold climates and yeild large numbers of flowers.
Polyanthas are small averaging just 18 inches in height. They are very hardy and produce large clusters of small flowers.
Miniatures average between 6 and 12 inches in height, carry small one inch or less blooms, are hardy and require little care. These make very good balcony container roses.
Climbers come in several types, Ramblers which are hardy, fast growing and can develope canes up to 20 feet long. Pillars are slower growing upright palnts that are well suited for growing on posts. Trailers are low growing easy to maintain plants good for covering banks and walls. Large Flowered Climbers are slower growing but have more showey flowers and are good for growing against fences and low walls. Hybrid Teas , Floribundas and Polyanthas can sometimes become climbers and have the same characteristics as the bushes.
Tree Roses can be developed from any type of rose. They are made by grafting a bush onto a long thick trunk. These look great on a patio or porch.
Shrub Roses are normally small, hardy fairly continuesly blooming bushes that can be used as hedge hedges can grow to 5 or 6 feet and provide inexpensive privacy and color, thicket and trellis trellis roses can add a beautiful accent to a yard or home entryway and can be made into an arch roses. There are even varieties that can be used as ground cover on embankments or planted in hanging pots.
Today roses come in hundreds of varieties with new varieties being developed every year and in an almost limitless number of colors and color variations. It has been my experience, however, that usually the darker the color the heavier the scent. Most white roses seem to have no scent at all.
If you choose the right roses for the right place you can add beauty and elegance to any garden, patio, porch or balcony without spending large amounts of money or time.
For tips on what to look for when buying bare root roses see http://www.nationalrealtorsdirectory.com/barerootrosesarticle.html
About The Author
Permission is given to reprint this article providing credit is given to the author, David G. Hallstrom, and a link is listed to http://www.nationalrealtorsdirectory.com the owner of this article. Anyone or any company reprinting this article without giving proper credit and the correct link, is doing so without permission and will be subject to legal action.
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