Category: uiffllixgjut

When Is It Better to Buy than Rent?

first_imgFacebook47Tweet0Pin0Submitted by Chris Johns for On Q FinancialTwenty or thirty years ago, if you asked the question, “Is investing in real estate a good idea?”, the answer was most likely a “Yes”. With the great depression long faded from memory, it wasn’t until the crash in 2008 that people began to question whether a real estate purchase was always the right thing to do.I am the first to admit that buying is not always right for everyone.But there are times when buying a home is an undeniably better option than renting. I’ll discuss those below to help you determine if now is a good time for you to invest in a home.The decision to buy a home, rather than renting, is one that should be taken seriously, considering all factors.When You’re In It for The Long HaulThe New York Times says buying is better than renting after five years. If you plan to stay in your house at least five years, then the best option for most people is to purchase a home. Conversely, if you want to be able to pick up and go every few months, buying might not be the best choice for you right now.If you plan to put down roots, look into how long it will take for buying to be better financially than renting. Check out an interactive rent-buy calculator to see if it’s a better value to buy based on how long you intend to be in your house.When You Don’t Want to Pay MoreIf you’ve been in the same rental house or apartment for a while, you’ve probably seen prices increase. In fact, last year, rental prices rose twice as fast as inflation. This isn’t likely to slow down anytime soon. Rental vacancies are the scarcest they’ve been in 20 years, according to a Harvard report. The increasing number of renters has driven down the supply of rental properties, which has in turn increased prices for rentals.If you don’t want to continue to pay more for the same rental property, you should consider purchasing a home. When you buy, your equity increases as you pay down your debt, rather than your payment increasing as is happening with rentals.Chris Johns has a strong background in real estate and the Thurston County area where he lives with his family.When You Can Afford ItUse On Q’s mortgage calculator to determine what your mortgage payment would be. Of course, affording a home purchase isn’t just about being able to make the monthly payment. You also need to have money to cover a down payment, closing costs and other fees.If you are looking at buying a $250,000 home, a 20% down payment is $50,000. Not all buyers require a 20% down payment, however. In fact, many can pay 10%, 5%, or even 3% down on that same $250,000 home.Not only that, but Washington State has some Down Payment Assistance options that many buyers may qualify for.So, can you foot the bill and afford to purchase a home? If so, now is likely a good time to buy a home. But don’t empty all your savings to do it. Even new homes will require fix-ups and maintenance over the first year, as well as homeowners’ insurance and property taxes. So make a purchase that allows you to keep an emergency fund in your savings.It’s also important to note, you may be able to deduct the interest you pay on your mortgage from your taxable income. This will help offset some of the costs of home ownership.When You’re Up for the MaintenanceOwning a home requires more maintenance than renting. However, if you don’t mind doing some small maintenance on your home (or you have a good handyman), now is a great time to buy. Perform your own preventative maintenance like painting the siding every few years, cleaning your air ducts, and tuning up your plumbing, and you’ll save bundles down the road.Chris Johns – On Q Financial(360) 347-8000chris.johns@onqfinancial.comFind Chris on LinkedInFollow Chris on Facebooklast_img read more

Adopt-A-Pet Dog of the Week: Walnut

first_imgFacebook209Tweet0Pin0Submitted by Adopt-A-PetMeet Walnut! He is a Orange/Brown Brindle, 1-year-old, 30-pound, Boxer mix.  Affectionately called ‘Wally’ this bundle of cuteness will steal your heart! Shelter volunteer’s say, “Just look at that face.” Wally has lived successfully with children and other dogs and enjoys playing, walks, and fetch. He is a playful fella, and total cuddle bug!   If you have a fenced yard and are looking for a sweet companion to make you smile, then Wally may be your next best friend!If you have further questions or would like to schedule an appointment to meet Walnut in person, please contact the adoption team at Shelton Adopt-a-Pet. Emails are the preferred method of communication.Adopt-A-Pet has many great dogs and always need volunteers. To see all our current dogs, visit the Adopt-A-Pet website, our Facebook page or at the shelter on Jensen Road in Shelton. For more information, email or call 360-432-3091.last_img read more

Around Whittier

first_imgTo qualify, at least one person in the household must have legal status in the United States and the household must not exceed the low-income criteria set by the federal government. Applications are available in the Department of Housing Services at City Hall, 6615 S. Passons Blvd., or on the city’s Web site, Completed applications must be mailed with a postmark date no later than Aug. 31 to the city’s Department of Housing Services, 6615 S. Passons Blvd., P.O. Box 1016, Pico Rivera, CA., 90660. For more information, call (562) 801-4347. Deadline June 12 for teen program LA MIRADA – Applications are now being accepted for the Summer 2006 Leaders in Training program. The program is for teens ages 13 to 16, assigns them to work at a variety of youth recreation programs such as summer day camp, P.A.R.K. programs, sports programs and office work. The application deadline is June 12, and the program runs from July 5 to Aug. 12. Applications are available at the Family Services Center, 13710 La Mirada Blvd., on the lower level of the Resource Center in the Civic Center complex. For more information, call (562) 902-3155, or visit the city’s Web site at Neighborhood meeting tonight WHITTIER – Residents are invited to a Neighborhood Watch meeting tonight. Los Angeles County representatives will be available to answer questions. The meeting will be at 6:30 tonight at 11200 Telechron Ave. For more information, call (562) 698-7645. Hospital needs blood donors WHITTIER – Presbyterian Intercommunity Hospital urges residents to donate blood. Insufficient blood supplies could cause postponement of surgeries and create added dangers in emergencies. Donors must be at least 18 years old; 17-year-olds may donate with parental permission. Blood donations can be made at the PIH Donor Center, 12401 Washington Blvd. Hours are from 8:30 a.m. to 5 p.m. Mondays and Tuesdays and from 10:30 a.m. to 7 p.m. Wednesdays and Thursdays. Appointments are encouraged, but not required. To make appointments, call (562)698-0811, Ext.2872. – From staff reports160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! VALENCIA – A Santa Fe Springs man is in custody after a fatal boating accident at Pyramid Lake, authorities said. A 38-year-old man on an inner tube was attached to the boat by a long rope when the boat pilot, identified as John Galvan, 46, of Santa Fe Springs, made a wide turn to avoid a nearby boat that was not moving, sheriff’s Lt. Tom Bryski said. When Galvan made the turn, the man on the inner tube swung toward the stationary boat, hitting it head-on, Bryski said. The man, whose name has not been released, was pronounced dead at Henry Mayo Hospital. AD Quality Auto 360p 720p 1080p Top articles1/5READ MORE11 theater productions to see in Southern California this week, Dec. 27-Jan. 2Bryski said Galvan appeared to be under the influence of alcohol by deputies at the scene and was arrested on suspicion of manslaughter. Galvan was being held on $100,000 bail at the sheriff’s Santa Clarita Valley Station. There were no other injuries, Bryski said. Applications open for rental help PICO RIVERA – The city’s Housing Assistance Agency will accept applications for Section 8 rental assistance through Aug. 31. Eligible applicants can receive federal subsidies on a portion of their rent. last_img read more

Sunderland make official approach for Aberdeen manager Derek McInnes

first_imgSunderland have made formal contact with Aberdeen over Derek McInnes as they seek a new manager, it is understood.The Black Cats have been seeking a replacement for David Moyes since he resigned last month in the wake of relegation to the Championship, and they appear to have honed in on Dons boss McInnes.It is understood Sunderland have now officially approached Aberdeen regarding the manager who led the Pittodrie side to a runners-up finish in last season’s Scottish Premiership and two cup finals.All three clubs relegated out of the Premier League started the summer looking for new bosses and Sunderland are the only one still managerless after Hull appointed Leonid Slutsky and Middlesbrough recruited Garry Monk.It is thought the Black Cats identified McInnes as their preferred candidate some time ago and the process may now move forward quickly after he returned from holiday.The 45-year-old is in his third managerial job having won promotion with St Johnstone prior to being lured back south of the border to take charge of Bristol City in 2011.McInnes lasted just over a year in the south west and was sacked by the club in January 2013 when they were bottom of the Championship, yet he has rebuilt his reputation at Pittodrie.He led the club to their first piece of silverware in 19 years when they won the Scottish League Cup in 2014 and the Dons finished each of the previous three seasons in second place in the league.However, having finished 30 points behind Celtic, who also beat them in both finals, McInnes could now be tempted by the challenge of bringing Sunderland back to English football’s top flight. 1 Derek McInnes last_img read more

Wolves complete club-record signing of Traore from Middlesbrough

first_img Traore joins for a club-record fee We are delighted to confirm that Adama Traore has signed for Wolves from @Boro for an undisclosed fee. #BienvenidoAdama✍️— Wolves (@Wolves) August 8, 2018The 22-year-old completed his medical on Tuesday morning before signing a five-year deal at Molineux.“I’m so happy, it’s a great day for me and my family and hopefully for the team,” Traore told Wolves TV.“I know the history of Wolves. It is a team with a big history and when people tell me I had the possibility of coming here I thought it was great.“After that my mentality is to work every day and be prepared for whatever comes.”Traore began his career in the Barcelona youth system and made a handful of first-team appearances at the Nou Camp before joining Aston Villa in August 2015. LATEST TRANSFER NEWS LIVING THE DREAM IN DEMAND moving on Cavani ‘agrees’ to join new club and will complete free transfer next summer Tony Cascarino backs Everton to sign two strikers for Carlo Ancelotti 1 Arsenal transfer news LIVE: Ndidi bid, targets named, Ozil is ‘skiving little git’ Top nine Premier League free transfers of the decade Man United joined by three other clubs in race for Erling Haaland center_img Kevin De Bruyne ‘loves Man City and wants to keep winning’, reveals father targets Where every Premier League club needs to strengthen in January targets RANKED He moved to Middlesbrough the following summer, scoring five goals in 71 appearances at the Riverside.“I think Wolves are definitely ready for the Premier League,” Traore added.“My mentality is to fit in to the tactics but I think how Wolves play will definitely suit me.“Before I make any decision I know how they play, how they move, how the winger play.”Traore is renown for his exceptional dribbling ability and becomes the latest in a string of impressive additions for Wanderers.The 22-year-old is Nuno Espirito Santo’s fifth signing of the summer after the arrivals of Rui Patricio, Jonny Castro Otto, Joao Moutinho and Raul Jiminez. The biggest market value losers in 2019, including Bale and ex-Liverpool star Wolves have confirmed the club-record signing of Adama Traore from Middlesbrough for £18m.The former Barcelona and Aston Villa winger has signed a five-year deal with the club. REVEALED LATEST last_img read more

Johnson at Lowe’s Motor Speedway

first_imgCONCORD, N.C. — Jimmie Johnson overcame every problem thrown his way including tire troubles that turned Saturday night’s event into a laughingstock to win his fourth consecutive race at Lowe’s Motor Speedway and move into a tie with Tony Stewart in the Chase for the Championship. Johnson started 41st, battled a failing alternator, a cut right rear tire and overtime to prove no one can beat him on the track his Lowe’s-sponsored team considers its own private playground. Johnson has won five of the past six events at the suburban Charlotte facility. “I just can’t wait for this thing to be over so I can get out of here and hopefully not be hurt.’ The smooth track surface was a concern all weekend because of the dizzying speeds created after track president Humpy Wheeler twice grounded out its trademark bumps. Friday night’s Busch race gave teams a preview of what to expect when Goodyear’s tires struggled to hold over long runs and the race was marred by a record 14 cautions. “We’re going way too fast here,’ Jeremy Mayfield said. “It’s not right.’ 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREWalnut’s Malik Khouzam voted Southern California Boys Athlete of the Week It moved Johnson up three spots in the standings and into a tie with Stewart who finished 25th after crashing while leading earlier in the race with five events remaining in the race for the Nextel Cup title. Biffle is in third in the standings, 11 points out. Johnson’s win was the one bright spot in a race marred by tire problems for 16 drivers including five Chase competitors because Goodyear’s rubber could not stand up to the increased speeds on the smoothed track surface. It forced NASCAR to issue a mid- race mandate on the minimum air pressure used on right front tires, and led inspectors to police pit road with a threat of docking points to teams who disobeyed. Stewart, Kyle Busch, Elliott Sadler and Kasey Kahne all lost the lead because of tire problems three of them crashed after their tires blew while Kahne avoided the wall. Many said the tire concerns left them too scared to push their cars to the limit, choosing instead to race at about 85 percent effort to prevent a possible tire failure. “I need a renewal of my life insurance policy, to tell you the truth,’ Stewart said to his crew when asked late in the race what he needed. center_img “I can’t believe that we always end up somehow toward the front at the end of a race … this one in the closing laps after a long night of adversity,’ Johnson said. “We changed batteries, the alternator had some troubles, flat tire, all kinds of crazy things.’ He took the lead with nine laps to go and was pulling away until Rusty Wallace brought out the 15th caution of the race with one of the many, many tire problems. It bunched up the field for one final restart and Johnson held off Chase contenders Kurt Busch and Greg Biffle to lock up the victory. last_img read more

Monday’s QPR quiz

first_imgTest your QPR knowledge by seeing how many of these five Rangers-related questions you can answer correctly.[wp-simple-survey-89]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 Follow West London Sport on TwitterFind us on Facebooklast_img read more

Warriors Profiles: At No. 2 we present the Swede-ist of them all

first_imgHere’s more on all that right here, but enough news. To get you ready for the matchup in … Second Draymond Green will not play either, but will make the trip with the team.Lastly, Damian Jones will start for the second straight preseason game. The Warriors wrapped up practice Thursday afternoon with a couple of setbacks before they headed to Seattle for Friday’s preseason matchup against the Kings.First, Stephen Curry will NOT play, nor make the trip North due to personal reasons.last_img read more

Former 49ers safety Eric Reid unhappy — here’s what he’s complaining about now

first_imgCLICK HERE if you are having a problem viewing the photos on a mobile deviceFormer 49ers safety Eric Reid is complaining again.Reid complained over the summer and the first month of the NFL season, and for good reason. His 49ers contract expired after the 2017 season, and he could not attract any interest from NFL teams. He was so frustrated that he joined Colin Kaepernick in a collusion grievance against the league. The former 49ers teammates charged teams were blackballing them because of …last_img read more

After sweeping the Yankees, the Athletics are thinking bigger than wild card

first_imgOAKLAND — Late August is too early to scoreboard watch, right?After the A’s swept the Yankees in three games — clinching it Thursday night with a 5-3 victory — and took three-of-four from the Houston Astros, we’ll allow a quick peek.The Cleveland Indians, once in firm grasp of the American League wild card’s first spot, fell off the top two marks after losing its third game in a row. The Tampa Bay Rays, on a two-game win streak, sit in that second spot. And, yes, there the Athletics sit atop …last_img read more