Lenovo Z5 Features
Lenovo Latest Mobiles
Lenovo Z5 Price
Latest Mobiles 2018
For more infomation >> 中国メーカ・Huansu Auto「C60」の実写モデルが遂に登場。見れば見る程ランボルギーニ「ウルス」 - Duration: 4:02. 
For more infomation >> 徐世榮護吳音寧批柯P 網噓：查帳北農犯天條了？ - Duration: 2:36. 
For more infomation >> 박원순 55.5%, 이재명 60.2%, 김경수 47.9% '독주' - Duration: 8:05. 
For more infomation >> 批柯P靠還債造神、收割！ 王世堅：是全體市民的努力 - Duration: 3:40. 
For more infomation >> Novo Aston Martin Vanquish S Volante tem 603 cv|| 247 Entretenimento - Duration: 5:57. 
For more infomation >> Une plainte qui s'effrite en affaire Tariq Ramadan - DN - Duration: 4:27. 
For more infomation >> Affaire Tariq Ramadan : Henda Ayari, mensonges ou oublis - DN ? - Duration: 6:19. 
For more infomation >> 五月天阿信多年前預言居然成真，看看還有哪些神預言 - Duration: 4:29. 
For more infomation >> L'avocat de Mounia conteste le statut de témoin assisté de Tariq Ramadan- DN - Duration: 4:34. 
For more infomation >> Eliminez définitivement les punaises de lit avec ces remèdes maison - Duration: 5:08. 
For more infomation >> 6個「聶小倩」版本，王祖賢排第一，楊冪竟是第五，最丑卻是她 - Duration: 3:17. 
For more infomation >> CNN Reporter Calls Sarah A Liar, She Embarrasses Him With Perfect Comeback - Duration: 3:39. 
For more infomation >> Adeptka na výhru SuperStar je na dně: Proč se Tereza Mašková hroutí anepřestává plakat? - Duration: 1:31. 
For more infomation >> l'avocat de la 3e plaignante dénonce une «manipulation» de la défense en Affaire Tariq Ramadan - Duration: 4:02. 
For more infomation >> Pensées d'Enora Malagré lorsqu'elle est attaquée par ses vieux collègues du TPMP - Duration: 4:32. 
For more infomation >> WWII D-Day remembered 74 years later - Duration: 1:26. 
For more infomation >> Montana D-day remembrance - Duration: 1:21. 
For more infomation >> Boire un verre de vin par jour équivaut à une heure d'exercices - Duration: 13:07. 
For more infomation >> Cyril Hanouna : son très cher contrat n'est pas bon pour C8 qui perd plus d'argent que jamais - Duration: 2:49. 
For more infomation >> Coupez 1 citron en 4 parties, mettez du sel dessus et mettez-le au milieu de la cuisin, est géniale - Duration: 6:53. 
For more infomation >> Melania Trump réapparaît enfin après 25 jours de mystère et de doute - Duration: 4:06. 
For more infomation >> Reprenez le contrôle ! - Duration: 8:32. 
For more infomation >> Un smoothie anti-inflammatoire et réparateur pour vos intestins - Duration: 9:56. 
For more infomation >> TN Entertaiment: 현진영 *"전성기 함께 했던 故 임은숙] - Duration: 1:51. 
For more infomation >> 海贼王906 查尔罗斯圣难道是大BOSS? 海米：推动世界前进的男人 - Duration: 2:37. 
For more infomation >> KOLEKSI TIK TOK LUCU BIKIN KAMU GAK GALAU LAGI - Duration: 3:13. 
For more infomation >> 即將問世中國為何必須裝備這一大殺器，一旦服役，美軍優勢全無 - Duration: 5:13. 
For more infomation >> 6 huiles qui favorisent la pousse des cheveux - Duration: 5:09. 
For more infomation >> FusionTV: 黄圣依抱着咘咘不撒手，一脸宠溺，谁注意到咘咘的举动 - Duration: 3:45. 
For more infomation >> 台湾"汉光演习"首日出师不利 F-16停止演训 - Duration: 5:09. 
For more infomation >> 美軍新款F18戰機可獵殺中國殲20？專家：僅存理論可能 - Duration: 6:30. 
For more infomation >> 50th Anniversary of RFK assassination - Duration: 0:38. 
Hi, this is Vivien Sharon and welcome back to my series coffee with Vivien on the last episode
I spoke about mortgages when you buy a property
Today we're talking about making a financial plan
It's really important before you even start the real estate buying process even before
selecting a real estate professional to work with that you work out the numbers and create a plan and
discuss and put on paper
With your family certainly the income and the expenses so I have prepared in my handbook
That I have available to you by
Electronic means or hardcopy, and I'm happy to share it with you
But in it
I have broken down the various budget worksheets that you should know about and in it you have your fixed
Expenses what are the fixed expenses?
your rent
And/or your mortgage your credit card payments your insurance
Medical expenses any other fixed expenses that you have every month
Then you have to make the next category on this list which is flexible expenses
What are flexible expenses there are things that change?
Obviously because it has to do with the restaurants that you go to that month
The gifts the shops the shopping that you do for your family
the clothing expenses the
transportation fees
bus taxi other means your general day-to-day household expenses your personal expenses and
Some months might be much heavier than others for example holiday months
Christmastime Thanksgiving birthdays all of these things add up, so you should really take a snapshot of one month
Go through probably a month. That's a pretty heavy-duty month
holiday month and that will give you an idea of what you should budget for then you add all of that up and
Then you put down
What is your income and you of course?
Subtract the income that you're bringing in your family total family income per month
subtract that take that away from all the expenses that I just mentioned and
Then you'll see what you come up with net every month and your savings so this sheet is really
Important for you to do your monthly budget and financing now
Another thing about credit cards and credit card, debt. It's really important when you're
embarking on
purchasing a home that you
know in advance
That you're not going to go out shopping for
appliances and electronics and cars and put it on your credit card because it's going to jack up your
Credit rating and you're going to have to pay at least twenty-one percent interest every month on these
tremendously large
Purchases and that
Really won't help you when you go to meet your mortgage advisor and do the numbers and they see that you owe
So much money on your credit card
That's the number one enemy to really budget and budget carefully when you're thinking of buying a home, so just
to summarize
really important to plan to make a budget sheet to go over your
financial income for the family on a monthly basis to go over all your expenses and
To know that when you buy a property
It's a wonderful thing because you're going to have an investment for life
And it's the largest investment ever and we know from history in Toronto 50 60 years ago
Prices have been going up year by year one or two years might have been flat
but generally prices have gone all the way up from the
1950s 50s all the way up to today and people who bought homes back in the 50s 60s 70s 80s on and on
They now have the biggest equity in the house that they own
So not to be frivolous to be wise and to watch the dollar so on the next episode
We're going to be talking about
choosing a realtor there are
60,000 realtors in the province of Ontario how do you go about choosing your realtor?
That's what we're going to talk about and I look forward to talking to you about that next time on the next episode
Have a great day. Bye for now
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment