How much home can i buy

How Much Home Can I Buy?

If you are thinking about buying a home you may be wondering what kind of mortgage you will qualify for. How big of a monthly mortgage payment you can afford is an important aspect of deciding what home is right for you.

The easiest way to figure out how much money you can spend on a home is to speak with a mortgage lender. A mortgage lender will look at your savings, income and credit to figure out how much you can spend on a mortgage each month. In addition to that they can also provide you with a pre-qualification letter that tells your real estate agent and sellers that you can be qualified for a loan of that size.

In addition to talking with a mortgage lender you should also take into account other factors. A mortgage lender will look only at the numbers of your current situation; they are not taking into account any future events.

Some future events that may cause you to reconsider the amount you are pre-qualified for is if you are planning to have children or if the children you have are going to be starting college in the next couple of years. Both of these events will have large financial burdens on you that you will want to consider.

You will also want to think about your source of income. If you own your own business, is it stable and doing well, will your income likely continue at the same level or more in the future. If you work for a company you will want to think about the security of your job and the companies’ steadiness.

While a mortgage lender can tell you how much mortgage you can afford make sure to think about the security of your financial situation before over extending yourself in a home that is too much money.

For more resources about mortgage refinancing or even about mortgage calculator and especially about home mortgage, please review these links.

How to organize your grocery coupons to save big at the supermarket

How to Organize Your Grocery Coupons to Save Big at the Supermarket

It’s no secret anymore that coupons are the best way to save money on groceries. Yet, of the over $70 billion of coupon saving offered by manufacturers each year, only $4.5 billion are redeemed by consumers. That’s barely 6%. So how come millions of Americans are not jumping on the bandwagon?
According to Susan Samtur, The Coupon Queen and founder of www.selectcouponprogram.com, the answer lies largely in the fact that most people simply do not think couponing to be time-efficient. They believe that it takes hours every day to clip coupons and figure out how to get the best deals. In today’s busy world, most people just don’t have that kind of time, so they avoid the process for fear of being sucked in and losing out on time that could be spent elsewhere.
But is the myth true? Do you really need to spend half of your waking hours clipping, sorting, and alphabetizing coupons? Of course not! The key to all of this is proper organization – with the right system in place, shopping with coupons becomes a walk in the park (or in the aisle)! There are a few simple steps anyone can follow to keep their coupons from becoming an overwhelming, terrifying mess of papers.
First and foremost, you need a large folder to keep everything in. Folders with built-in or add-on separators are great, but as long as your coupon-holder is easy for you to manage, that is all that matters.
Next, write a list of categories into which all of your daily necessities are represented, and keep it alphabetical. Don’t go crazy in trying to have a category for everything. If you don’t have children, you don’t need a diaper section! It all depends on what products you normally buy. For example, you might have these twelve categories:
Canned Goods Dairy Drinks
Medicine Cereals Frozen Foods
Fruits/Veggies Household Items Meats
Paper Goods Pet Food Snacks
You could always subdivide within categories as well (eg, having smaller sections within Household Items for things like lighting, cleaning, dishes). Once you’ve got your categories, you’re home free! The trick is to keep at your system; don’t get lazy! When you clip your coupons, file them away immediately unless you plan to use them right away, or else you’ll end up with a pile of cluttered, disorganized coupons on your kitchen counter!
If you have special offers like free samples or rain checks, keep these in the back of your file and check them periodically.
It also helps if you put the shortest expiration dates in the front so you’ll see those coupons first, but make sure to go through your file every month to throw out expired coupons, especially at the end of the calendar year when many coupons expire. Otherwise, your drawer/folder will fill up faster than you can use the coupons!
When you are ready for your weekly shopping trip (or biweekly) make your list of items then go to your coupon file. Pull out the coupons you’ll need and put them into a small envelope so that you can match them to the correct product when you get to the store. Check the expiration dates one more time before you go to make sure you won’t end up with an expired deal.
Don’t get discouraged if you still have trouble acquainting yourself to a system at first. Like all systems, the coupon-organizer takes time to adjust to, but as long as you remain consistent with your filing procedure, you’ll save tons of time and tons of money! Once you get organized with a system you know and feel comfortable with, you will be able to cut your sorting time into a fraction of what it once was. It’s as simple as that!

For more resources about Supermarket Coupons or even about Grocery Coupons please review this page http://www.selectcouponprogram.com

Is college for entrepreneurs

Is College for Entrepreneurs?

Young entrepreneurs and business owners are often times faced with the choice of which road to take. On one hand, there is the more conservative route of staying in college and getting a degree. On the other hand, many have thriving businesses that are making more money than their degree will ever get for them. Is college simply a hindrance? Or is it a valuable resource that should be continued at all costs. Many college business owners don’t even realize they have the choice of dropping out. Knowing this option is there could be vital to the success of their future business. If you are in college and are an entrepreneur or business owner you must ask your self this question: should I drop out of college?

The answer to this question often comes in many forms from many different people. I was recently at an entrepreneurial conference and had the opportunity to discuss this matter with many rich entrepreneurs. The answers I was getting from them were vastly different from those that my family had given me. On the one side I was being told that college is only useful if you are getting something out of it, and that if I was serious my businesses should take priority over schooling. From the family side I was being told to stay in school no matter what, put schooling at the forefront — there will always be time for business and it will be good to have a safe backup. Both of these answers have their merits, but which one is right?. It became clear to me that it was my decision- not the other wealthy entrepreneurs, and not your family.

Why are you in college?
This question is the fundamental element in the decision to drop out of college. Entrepreneurs must figure out the reality of why they are in college before making a decision to drop out. Some business owners are in college because their parents told them to go there, or because they didn’t realize they had the choice. Other young entrepreneurs are in college because they find the information valuable and want to continue learning while they expand their business. Even more still had childhood dreams of one day being an engineer or architect and want to follow through with their early ideals. You must answer this question truthfully and honestly if you are going to make a choice about running your business full time or staying in college.

Why Do You Want to Drop Out?
It is very important to understand exactly why you want to drop out. Many business owners and entrepreneurs have vastly different reasons for dropping out of college and it is key that you understand yours. I have often fielded this question in conversation, and many times a young entrepreneur will want to drop out of college on pure speculation. This is never a good idea without a solid business plan. I recommend having a solid business plan and some backups in the least, as well as some plans for continued learning of business skills. Dropping out is a risky decision — entrepreneurs will understand and easily accept this fact. Understanding and accepting risk is part of being an entrepreneur and starting new businesses. I have also talked with many entrepreneurs who already have million dollar plus income, and are thinking about dropping out in order to focus more on their business. This instance presents an entirely new set of questions. Whatever your reasoning make sure that you understand and research your position.

Here is the Secret to Making the Decision
It all comes down to balancing the two sides of the argument. If you’ve figured out both your reasons for being in college and your reasons for dropping out and starting a business, then you can easily make a decision. The trick is to look at a list of both sides: your reasons for being in college and your reasons for going out and becoming an entrepreneur. If either side has reasons that aren’t your own, or that have doubt in them, then you will most likely pick the other side. Here is an example situation, look at the two lists and decide what the student should do.

Student A — Reasons to Stay in College:
— My parents are paying for it, and they would flip if I left
— Everyone I know is in college, it would be weird to leave.
— A degree might give me some security later on.

Student A — Reasons to Drop Out and Pursue Business
— I have a solid business plan and have been working on it for months
— My income is almost half of my parents already
— Having more time to work on business would let me expand faster

I think it is fairly clear in this setup that we have an entrepreneur at heart. There is doubt in the reasoning behind college, and he also doubts that he will even need the security of a degree. The second list is much more profound and certain. This student knows he will be successful as an entrepreneur and he only wants to build his business more. There is certainty and understanding in his tone. With this situation it seems very likely that the student would be far better off dropping out of college and pursuing his business goals.

The case is almost never as cut and dry as the situation above, most young businessmen have far more complicated setups. Even with the complications, the end result is always the same. Follow the path that you are sure of in your heart. If you are an entrepreneur in the right position then you will know exactly why you want to drop out and that it will be better for you. Or, you will know that staying in college will teach you more about business and let you grow faster out of college. I will leave you with one last thing.

Listen to your own thoughts, and pick the path that you know is better for you.

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1. Lindamood-Bell Learning Processes: ( general )
Lindamood-Bell Learning Processes, internationally renowned for educational programs and research, has pioneered instructional models to develop the sensory-cognitive processes that underlie reading, spelling, comprehension, critical thinking, and math. Lindamood-Bell® Learning Centers provide one-on-one instruction using our groundbreaking instructional methods; Lindamood-Bell® Professional Development offers workshops for educators, and also provides a comprehensive school/district-wide model to develop language and literacy skills.
2. Lindamood-Bell Learning Processes: ( Learning Centers )
Lindamood-Bell® Learning Centers provide individualized instruction for children and adults, ranging from severely learning disabled to academically gifted. In our centers we often see children and adults previously diagnosed with various disorders or learning disabilities, such as dyslexia, hyperlexia, ADD, ADHD, CAPD, Asperger’s Syndrome, Autism Spectrum Disorder, Developmental Delay, etc. Lindamood-Bell’s instruction is always based on a thorough and comprehensive diagnostic evaluation which measures oral vocabulary, oral language, comprehension, visual memory, oral directions, phonemic awareness, word attack, work recognition, reading comprehension, spelling, and math. After intensive instruction at a Lindamood-Bell® Learning Center, a student can make reading gains of two to four year in as little as six to eight weeks.
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Lindamood-Bell offers professional development that begins with our Lindamood-Bell® Workshops and can extend into comprehensive partnerships. The programs authored by the founders and directors of Lindamood-Bell are research-based programs that address the five components of scientifically-based reading instruction: phonics, phonemic awareness, fluency, vocabulary and comprehension. Genuine Lindamood-Bell® Professional Development Workshops for educators will introduce the steps of the following programs:
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Lindamood-Bell® School Partnerships prepare, mentor and support teachers in their efforts to teach reading, spelling and comprehension. We partner with schools to implement a comprehensive Professional Learning Community based on extensive professional development and mentoring in a collaborative environment. Lindamood-Bell’s successful partnerships are not merely a “program” that is implemented. We provide a comprehensive model of:
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How do you get life cover

How Do You Get Life Cover

If someone in your life depends on you financially then you should have life cover. Your number one concern should be life cover. What happens to your family if something happens to you? We may think we will be here forever but the truth is we will not be. Life insurance is something we all should have.

There is nothing easier than a lump sum life cover policy. Finding the right coverage amount and plan options can be tricky.

Before you apply for life insurance coverage there are a few things you should know. Be cautious not to take out too little of an amount of life coverage, you should ensure the amount you choose is sufficient. Remember to factor in all the bills including the mortgage. You can use an online calculator if you need assistance on how much coverage you need. It is a common mistake to be under-insured. It is not a good idea to become over insured either.

You have to determine the time frame they should be in place. Usually the life insurance policy remains in effect until all financial responsibility has been paid and children have left the home. One popular idea is to have the cover in place until retirement. The important thing is that the cover be in effect long enough to meet your needs. Be sure to answer all questions correctly when applying for life cover. The insurance company can deny your application due to non disclosure if you have not answered every one of the questions or were dishonest on your application.

You won’t go wrong with putting your policy in a trust. A trust will take care of paying the loved ones after your death.If the cover is not in a trust it is considered part of your estate and will be subject to a larger inheritance tax liability. You can ask your insurance agent about a trust form.

Do not pay more than you can afford. You can expect to pay a higher rate if the insurance company sees that you are prone to accidents.

One of the more common policies is the Level Term Assurance (LTA) this means your policy amount will stay the same throughout the length of the coverage. If you only need cover for payment of a home loan or other decreasing debt you could check out Decreasing Term Assurance (DTA) for a lower rate.

You should always review your policy when any life changes occur. Things that could possibly change your coverage needs are a new child, a new home, or even a change in job. Many people do not understand that their cover needs will change as their life does. Make changes whenever it is sensible that you may need more coverage.

Always remember you can shop around for cheaper policy prices even if you already have coverage. Ensure that no valuable benefits will be lost if you cancel your policy. If your health has went downhill or there have been any other considerable changes since you opened your policy you may find that a new cover could be much more expensive.