You can use the numbers you collected above to determine what terms and rates may generally apply to your financial situation and, with the help of a mortgage calculator, make an estimate of what a loan for a given amount will cost you monthly. There are a variety of other factors, such as points and closing costs that will affect that number, but for initial decision making as to whether or not you should purchase a home at this point in time Men's Nike Flex 2018 RN White Black UK , it is useful.
There are many lenders willing to offer you a loan, even if your monthly mortgage payment surpasses the 30% of your income that is typically recommended. That does not make it a good idea. There are other expenses involved in home ownership that you聮ll need to factor in, such as repairs and maintenance. Buying too soon could place an undue and unnecessary financial on your shoulders.
Consider and compare the advantages to waiting. You聮ll have time to shop for the best bad credit home purchase loan possible. You聮ll be able to save for a bigger down payment and continue to improve your credit rating. All of these actions may translate into better rates and terms, which will allow you to pay less in the end.
It's true. Things have changed. You need to know the 3 Keys to Taking Control in this wildly-changing job world.
2.6 million were laid off the past three years, 600,000 in 2003. The most mass layoffs in history occurred in January 2004. 2004 saw more mass layoffs than any previous year. Manufacturing jobs are down from 21 million in 1980 to 14 million today. As an example Men's Nike React Hyperdunk Flyknit White Navy UK , Levis closed the last of its 63 plants in this country. So that most American of icons?Levis?are now only made offshore.
Think you're not at risk? Economists say that 75% of those who have jobs now are at risk of job loss because they work in the 5 industries undergoing what they call ?creative deconstruction?--or down-sizing, right-sizing, outsourcing, and off-shoring. Those 5 industries are Airlines, Communications, Finance Men's Nike React Hyperdunk Flyknit Pale Grey Silver UK , Manufacturing of Electronics, and Technology. That's a lot of the economy.
You Need the 3 Keys to Taking Control
1. Take Care of Yourself by Taking Control of Yourself
2. Take Control of Your Finances
3. Take Control of Your Careers
It doesn't matter if your CEO makes mistakes and flies your company into the ground, it doesn't matter whether his bonus is tied to cost-cutting, so he sells your job to India, and it doesn't matter if the cause of the problem is that your company's chief competitor is Halliburton, things have changed in the job world and your job is at risk.
It's been said that if you work in an office you are at risk. 14 million jobs are expected to be sent offshore in the next decade. People entering the job workforce today can expect to have 8 careers. Not jobs Men's Patta X Nike Air Span II Team Red Brown UK , but disparate careers, with separate skill sets.
You need to be prepared. My book, FALLBACK POSITION, Preparing a Contingency Plan for the Worst Case Scenario, gives you the 3 Keys to Taking Control, so if you do lose your job Women's Nike Vandal 2K Black Gold UK , it's not devastating to you and your family. And the 3 Keys allow you to take control of your future careers too.
The 3 Keys to Taking Control
1. Take Care of Yourself by Taking Control of Yourself
You're going to have multiple careers, so you first need to know yourself, your strengths and weaknesses, and you need to relate those to what you want to do, how hard you're willing to work to get to do it, and are you willing to move to do it? And you need a game plan. Continuous life-long learning is necessary in today's world. At a minimum you should learn one new computer program and one new human relations skill every year. Learn them well enough to teach them. Then if you have specific interests Men's Nike Epic React Flyknit Olive Black Green UK , define those and work on learning those, strengthening your strengths and eliminating your weaknesses. Become a value-added employee where you are, so you're the last one tossed off the lifeboat, but work on finding the job you really want for your next move.
Many people are laid off, immediately panic, and run out and take the first job they can get.
* Usually in the same field from which they were fired or laid off.
* They don't take a break and think about what they want.
*They don't strategize about how to get what they want. You need to.
Klang - Mythen
Thema drucken
10.12.2019 03:40
Antworten
