The 40 Year Mortgage Can be Daunting.
About 12 years ago, I signed a 40 year mortgage to my home and my wife and I celebrated by opening up a bottle of champagne and having a nice dinner.
The next day, I began thinking about how long that actually was 40 years before our home was paid off and I felt a little bit overwhelmed. I was not even 30 at the time, and my wife and I had only been married for a few years, and I really begin to have some doubts about whether or not I was ready for that kind of commitment.
I really could not complain about the deal we got with our 40 year mortgage in terms of our payments. They were very reasonable, and we knew that we could afford them each month and still have money to put back for retirement, recreation, and eventually starting a family. I just started thinking about the things that could happen, and I became concerned.
What if my wife or I lost our job, or had some type of situation where we became sick or injured and could not work? What if the neighborhood started to go downhill with crime or other problems? What if we started to find all kinds of problems with the house that we had not discovered initially, and ended up putting a bunch of money into repairs?
With a 40 year mortgage, it felt like were locked into a deal that could end up turning out disastrous for us, so I decided to talk to my parents, who were about three years from paying their mortgage off. I expressed my concerns about all of the things that could go wrong, and they presented a different point of view.
They pointed out to me that, while a 40 year mortgage could be a bit daunting, it could also be a relief, because we had committed to a house, and would have to make it our home. They also pointed out all of the great memories that would be established in the home, and how much my wife and I would grow to love our house and take ownership in it.
They also said they had the same reservations I had when they first signed their 40 year mortgage, and were still living in their home, and would never leave. I started to remember why we had signed the mortgage in the first place, and I felt much better.
It has been more than a decade since we signed our mortgage, and I don't even think about it any more. I have lost a few jobs in that span, and my wife has as well, and we always pulled through. We have two children now and we could not imagine living anywhere else, and the neighborhood is still a great place to live.
A 40 year mortgage can be rather daunting when it is first signed, but after you've been in your home for a while and realize what it provides you and your family, it feels more like a blessing.
Showing posts with label family. Show all posts
Showing posts with label family. Show all posts
Friday, June 18, 2010
Sunday, May 30, 2010
Find someone for free
Let's face it, if you are trying to remain anonymous these days, it is almost impossible to do so. There is so much information that is public record that secrets are a concept of the past.
It isn't hard to find someone. You may have to do a bit of research and digging, but for the most part, finding someone can be fairly simple. However, there are a lot of sites that advertise their services if you want to find someone for free.
And sure, they might find the person for you, but if you want any personal information, there is typically a catch. There may be a membership registration and fee that has to be paid before youíre allowed to see any information that the site accumulated on the intended individual.
For some, paying those fees isn't a problem they just want to find someone at any cost. For others, paying a fee is absolutely ridiculous and just isn't likely to happen. So, if you aren't willing to pay the fee or give out your personal information on the internet in order to gain a membership or access to a site for a few days, what are your options if you want to find someone?
Well, there are still many options. Of course, the most popular and easiest way to find someone is just ask around. Ask old neighbors, classmates or friends if they happen to know where so and so is. Of course, while it is the easiest way to find someone, it is often the quickest way to a dead end. If you are going through the trouble of trying to find someone, that tends to mean that no one is able to guide you in the right direction. Popular social sites, such as Facebook and MySpace, are also easy ways to find someone and connect with long lost friends.
People just can't help themselves when it comes to putting their personal information on display when it comes to those sites. It is amazing as to the things that people are posting and sharing with the world. While you can create a fake name or remain anonymous, if you are on those social sites, chances are, someone will find you, the real you. So, if you want to find someone, try one of those sites. It is easy to join and very easy to conduct a few searches for some people.
If you aren't successful, simply cancel your newly created own page and move forward. There is a site that is gaining popularity rather quickly. Zabasearch is a free way to find someone. However, while it may give you some generic information right away, you will still have to pay if you want a full report. Have some caution though if purchasing those reports. Make sure that it is the exact person that you are searching for.
You don't want to pay the fees if it is the wrong person. Of course, we have all seen how easy it is to make mistakes on our credit reports and such. You may be paying for information and assuming that it is completely accurate but it may be outdated information, or worse, not valid information at all. Just make sure that you mission to find someone wonít end up being a waste of your time or your money.
It isn't hard to find someone. You may have to do a bit of research and digging, but for the most part, finding someone can be fairly simple. However, there are a lot of sites that advertise their services if you want to find someone for free.
And sure, they might find the person for you, but if you want any personal information, there is typically a catch. There may be a membership registration and fee that has to be paid before youíre allowed to see any information that the site accumulated on the intended individual.
For some, paying those fees isn't a problem they just want to find someone at any cost. For others, paying a fee is absolutely ridiculous and just isn't likely to happen. So, if you aren't willing to pay the fee or give out your personal information on the internet in order to gain a membership or access to a site for a few days, what are your options if you want to find someone?
Well, there are still many options. Of course, the most popular and easiest way to find someone is just ask around. Ask old neighbors, classmates or friends if they happen to know where so and so is. Of course, while it is the easiest way to find someone, it is often the quickest way to a dead end. If you are going through the trouble of trying to find someone, that tends to mean that no one is able to guide you in the right direction. Popular social sites, such as Facebook and MySpace, are also easy ways to find someone and connect with long lost friends.
People just can't help themselves when it comes to putting their personal information on display when it comes to those sites. It is amazing as to the things that people are posting and sharing with the world. While you can create a fake name or remain anonymous, if you are on those social sites, chances are, someone will find you, the real you. So, if you want to find someone, try one of those sites. It is easy to join and very easy to conduct a few searches for some people.
If you aren't successful, simply cancel your newly created own page and move forward. There is a site that is gaining popularity rather quickly. Zabasearch is a free way to find someone. However, while it may give you some generic information right away, you will still have to pay if you want a full report. Have some caution though if purchasing those reports. Make sure that it is the exact person that you are searching for.
You don't want to pay the fees if it is the wrong person. Of course, we have all seen how easy it is to make mistakes on our credit reports and such. You may be paying for information and assuming that it is completely accurate but it may be outdated information, or worse, not valid information at all. Just make sure that you mission to find someone wonít end up being a waste of your time or your money.
Make a Great Income from Home
Having a job that let you make income from home in the olden days meant stuffing envelopes and licking them closed.
Today's best income from home opportunities have come a long way from that and even long time employed types are now looking at these once unique, now commonplace situations. Work at home jobs and freelance gigs abound in the private sector. The trick is finding one that is not a scam or some MLM pyramid scheme that you have to drag your resentful friends into.
Time was when if you wanted to work from home your best bet was to work stuffing envelopes or processing payments for large medical insurers such as Kaiser or Aetna.
Most of those jobs have been outsourced to even cheaper labor in other parts of the world or are now being done by computers or technology.
Now the fastest and best way to get a work at home gig is to surf the web. That's right, the worldwide web, or as we like to call it, cyber heaven. You can skip the surfing though and just go straight to Craigslist and odds are you will find just the right kind of short or long term job that will fit your preferred lifestyle, and that is as a shut-in.
Okay, shut-in may be a bit harsh, but definitely one that likes to type wearing nothing but his jammies (if that) and if you try that outside the privacy and sanctity of your own domicile you could be in for derision at best and incarceration at worst. Unless you are a sixteen year old girl going to Starbucks in the morning, you should not be seen outside the house in your P.J.
I digress. Go to Craigslist (www.craigslist.com) and find your country, state, and local area by navigating through the region finder on the right. Once you get the screen of your region, fiddle around with it and get to know all the different sections.
The job listing board is great and contains tons of full time positions. Unfortunately, most of these require showering and getting dressed in more than your undies. You may actually be forced to sit in an airless, windowless cubicle for eight to ten hours each day. If just the thought of working like this makes you shudder with revulsion, then you need to look elsewhere if you are looking to make some sort of income from home, no matter how feeble.
Because of course you will not find a $75 an hour job in the Gigs section of Craigslist. If you do find one then you should immediately go out and buy a lottery ticket because this is the luckiest day of your life.
But just look at all the savings you get by working from home. You don't need fancy, expensive clothing anymore. If you do decide to keep your car, you will definitely save on gas. So what if you make less (okay, a lot less) than your previous daytime enslavement, the point is, you are now free. Income from home means freedom to do whatever you want, practically anytime you want to do it. It means taking two hour lunches (or even three) and maybe a late afternoon nap.
Today's best income from home opportunities have come a long way from that and even long time employed types are now looking at these once unique, now commonplace situations. Work at home jobs and freelance gigs abound in the private sector. The trick is finding one that is not a scam or some MLM pyramid scheme that you have to drag your resentful friends into.
Time was when if you wanted to work from home your best bet was to work stuffing envelopes or processing payments for large medical insurers such as Kaiser or Aetna.
Most of those jobs have been outsourced to even cheaper labor in other parts of the world or are now being done by computers or technology.
Now the fastest and best way to get a work at home gig is to surf the web. That's right, the worldwide web, or as we like to call it, cyber heaven. You can skip the surfing though and just go straight to Craigslist and odds are you will find just the right kind of short or long term job that will fit your preferred lifestyle, and that is as a shut-in.
Okay, shut-in may be a bit harsh, but definitely one that likes to type wearing nothing but his jammies (if that) and if you try that outside the privacy and sanctity of your own domicile you could be in for derision at best and incarceration at worst. Unless you are a sixteen year old girl going to Starbucks in the morning, you should not be seen outside the house in your P.J.
I digress. Go to Craigslist (www.craigslist.com) and find your country, state, and local area by navigating through the region finder on the right. Once you get the screen of your region, fiddle around with it and get to know all the different sections.
The job listing board is great and contains tons of full time positions. Unfortunately, most of these require showering and getting dressed in more than your undies. You may actually be forced to sit in an airless, windowless cubicle for eight to ten hours each day. If just the thought of working like this makes you shudder with revulsion, then you need to look elsewhere if you are looking to make some sort of income from home, no matter how feeble.
Because of course you will not find a $75 an hour job in the Gigs section of Craigslist. If you do find one then you should immediately go out and buy a lottery ticket because this is the luckiest day of your life.
But just look at all the savings you get by working from home. You don't need fancy, expensive clothing anymore. If you do decide to keep your car, you will definitely save on gas. So what if you make less (okay, a lot less) than your previous daytime enslavement, the point is, you are now free. Income from home means freedom to do whatever you want, practically anytime you want to do it. It means taking two hour lunches (or even three) and maybe a late afternoon nap.
Saturday, May 29, 2010
Great Home Business Idea
Do You Have a Great Home Business Idea?
There are many ways that you can make a living right from your own home. Though some are work from home jobs, many are businesses that need a business plan and an investment to get things started. If you think that you have a great home business idea and want to get started, think about what you want to do and also think about what your business may turn into in the future. You may have a great idea, but it might not be the best idea to run your idea from your residence. At times, it is just not a good idea.
Does your great home business idea include any type of inventory? If so, you have to have room for it and also room for it to grow. Perhaps you have a basement that you can use for your storage.
What happens if you have to double the inventory that you have on hand? If that would not be a problem, perhaps your idea is a good one for your home. If not, you may have to think about what you would do if you expanded quickly and your business really takes off. That will help you decide if you have a good idea or not.
Another consideration would be if you have to see other people to run your great home business idea. Will you have clients? Someone who has to come to your home to pick up and deliver? How is your home set up? Is it practical for you to have people coming in and out without upsetting the rest of your household? For the most part, you want to have an entrance that you can use for your business exclusively. Is that possible for you? If you have people stopping in, do you have adequate parking for them? If not, you may have to find commercial property to run your business.
What happens if your business succeeds much more quickly than you thought it would? Does your town have regulations about running a business from your home? Some types have to have permits and others do not.
This is what you have to find out. If you are making your own candles and selling them elsewhere, you may not have to worry about it. However, if your great home business idea includes selling those candles out of your home, you may have to pay for special permits for that. It certainly depends on where you live and where you intend to do business.
Some people need to get away from work to truly relax. If your great home business idea takes over your living space, are you ever going to be able to relax?
You may not think this is something you have to worry about, but it could be one of the most critical things you could think about when deciding if your business should be coming out of your home. If you simply can not get away from things that remind you of work, even if you love your job, you may never truly relax. This can have a huge negative impact on your health and well-being, so think long and hard before you begin.
I hope you like this article! ;-)
There are many ways that you can make a living right from your own home. Though some are work from home jobs, many are businesses that need a business plan and an investment to get things started. If you think that you have a great home business idea and want to get started, think about what you want to do and also think about what your business may turn into in the future. You may have a great idea, but it might not be the best idea to run your idea from your residence. At times, it is just not a good idea.
Does your great home business idea include any type of inventory? If so, you have to have room for it and also room for it to grow. Perhaps you have a basement that you can use for your storage.
What happens if you have to double the inventory that you have on hand? If that would not be a problem, perhaps your idea is a good one for your home. If not, you may have to think about what you would do if you expanded quickly and your business really takes off. That will help you decide if you have a good idea or not.
Another consideration would be if you have to see other people to run your great home business idea. Will you have clients? Someone who has to come to your home to pick up and deliver? How is your home set up? Is it practical for you to have people coming in and out without upsetting the rest of your household? For the most part, you want to have an entrance that you can use for your business exclusively. Is that possible for you? If you have people stopping in, do you have adequate parking for them? If not, you may have to find commercial property to run your business.
What happens if your business succeeds much more quickly than you thought it would? Does your town have regulations about running a business from your home? Some types have to have permits and others do not.
This is what you have to find out. If you are making your own candles and selling them elsewhere, you may not have to worry about it. However, if your great home business idea includes selling those candles out of your home, you may have to pay for special permits for that. It certainly depends on where you live and where you intend to do business.
Some people need to get away from work to truly relax. If your great home business idea takes over your living space, are you ever going to be able to relax?
You may not think this is something you have to worry about, but it could be one of the most critical things you could think about when deciding if your business should be coming out of your home. If you simply can not get away from things that remind you of work, even if you love your job, you may never truly relax. This can have a huge negative impact on your health and well-being, so think long and hard before you begin.
I hope you like this article! ;-)
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