What is some advice for anyone buying a gun for the first time?
I recently got an internship with a company for personnel psychology so I am not only moving out of the house, but moving into this city. I have the apartment and whatnot and I commute to school. The thing is, there is a lot of crime in this area; there was a shooting a few weeks ago. I just feel it necessary to protect myself. I don't know if it's because I am living by myself for the first time, but I would feel safer and better with a weapon. Some of my friends say to just call the police for help, but I figured since it takes 5-8 minutes for cops to come, the cops would only show up to take away bodies or the severely wounded. I don't wanna end up dead or horribly wounded. Should I sign up for a safety class first? I was told you need to have your own gun first. Secondly, what weapon is suitable? I am 19 and so I can't get a handgun. I was looking at my local gun store and saw a mossberg 590 with a collapsible stock and a pistol grip. I also saw an AR-15 for 900. The next gun was a .22 caliber SMG-5 but those are really small bullets and if the intruder is on drugs I want something that will stop him. What about the walmart guns? Are they any good? Most of all I don't want something that will over penetrate. List any suggestions. My apartment room is 30x35 feet with tight corners. The width of each hallway is about 3 1/4 feet wide with a length of about 10 feet. Someone told me to order a Barret REC7 in 6.8spc. I don't have over 1200 so no.
First time buying a house in South Africa. Any advice?
Buy a house in the best neighbourhood you can afford. The house itself is less important than the neighbourhood.A great house in a bad neighbourhood will depreciate in value, A bad house in a good neighbourhood can only increase in value. A R2 000 coat of paint can raise the value of a dilapidated house by R20 000 in a good neighbourhood.A great house in a bad neighbourhood will require you to raise the standard of the entire neighbourhood to get you money back.Also note that a first house is almost never your last house so resale value is paramount.
What is the best way of buying my first house?
First research your financial situation. You have to know how much money you can afford to spend on a mortgage payment per month. Once you have established a maximum amount that you can afford to allocate on a mortgage payment, you can then start looking for a home. This is by far the most fun part of the process. As you look for a home, make the determination if this is a house you will want for 3 years, 10 years, or more. Is this for you or for you and a family? This will determine not only the size home you need, but the type of neighborhood and mortgage you will choose. If you decide on a start up home, you may choose to live in a more Hip, up and coming neighborhood, with the hopes that your home will appreciate enough to allow you to move up in home size and neighborhood prior to starting a family. And if you plan on moving relatively soon, an adjustable rate mortgage may make more sense than a traditional one. Once you find that perfect home, research the neighborhood a bit, How much to homes go for there? What is the average home appreciation in the past 5 years? Are there any government or commercial projects planned (new parks, new malls, prisons)? What is the crime rate? Do most people own or rent? Most of this data is available on local city or county websites. All of this information gives you an idea of if the neighborhood is moving in the right direction, and if it is a good fit for you. Once you have made a bid on a home, and been pre-approved... Now you need a mortgage broker...FHA loans are typically the easiest way to buy your first home, they require little down payment and many communities offer FHA classes which will lower your mortgage interest rate. Once your finances are in order, you will need to find an insurance company and begin the process of finalizing the purchase. The most important part of purchasing a home is getting a good inspection! Hire a home inspector who is familiar with the age of home you are buying, and those who have a background in structural engineering are usually the best. The last thing you want is a house which is about to slide off of its foundation. Once inspection items have been resolved, and your loan is ready to go, it comes down to signing documents until you can't hold a pen anymore.
What are some house buying hacks for first time buyers?
Buying a house for the first time and getting on the property ladder can be very overwhelming. With lots of hidden costs in the process, sometimes it can feel like there are hundreds of hurdles to jump over before you’re ready to move into your new home.Castle Inn/Hotel for Sale in New Brunswick, Canada. This hotel and inn is a complete business for sale. It comes complete with everything.Success will be had with an individual, couple or partners who has a passion for outdoors, love people and who will be comfortable living and working in the beautiful town of Perth - Andover. A commitment to the business and your guests will enable an owner operator to reduce base staffing costs, while ensuring the experience is satisfying for all guests.
I am thinking about buying a house for the first time but I don't know where to begin. What advice can you give me before buying my first home?
Always work out what kind of property will fit your requirements. By that, I mean the location, considering your commute, whether you require parking, a garden, nearby schools etc. Think about how long you plan to stay in this home and what you will need to feel happy there.Work out your budget and ONLY look at properties in this price range. Looking at things you can’t afford will only make everything else look substandard. Or, worse, will force you to try and buy something you can’t afford, causing issues with mortgage repayments and debt. Buy the best property that you can afford.Always get the property checked and valued - choose a Chartered Surveyor to make sure they know all the elements of the property that cause you problems in the future, and how much it would cost to fix them. You can use this to possibly get a lower price on the property if works will be necessary. Never buy a property without having it checked, and never assume you’ll be able to fix things yourself.Look out for any first time buyer promotions/offers/help - in the UK we have a few help to buy schemes, along with the recent Stamp Duty exemption for first time buyers, up to properties of a certain value. See what you can get as a first time buyer.Ask the seller lots of questions! Why are they moving, what is the local area like, is there any noise? What don’t they like about the area? What’s the best thing about it? Has there ever been a pest problem/Japanese knotweed/flooding/issues with neighbours? If you don’t ask, they’re not obligated to tell you, so ask!Get a decent conveyancing lawyer who will do the local searches, make sure the paperwork all checks out and the money goes through correctly.Arrange your removals team ahead of time - they get booked up quickly. Get comparison quotes and make sure you know how much it will cost. Ensure you pack your stuff up carefully, or pay for the removals team to do it.
What are the tips to follow while buying a house for the first time in Lucknow?
It’s good to follow these tips before you buy your first house in Lucknow:· Initially, you need to know your budget and accordingly you can choose the property. Thus, you have to make an estimate ensuring that you afford the cost at your ease.· If you are applying for a home loan you have to prepare for the mortgage process. It helps you to avoid additional financial burden and you can repay your loan as of monthly installments. And you must check your credit score ensuring that you can easily apply for the loan. It’s important to check the credit report removing the errors and thus you can now arrange finances to buy the home of your choice.· You must save cash for the down payment process and you can avoid investing in volatile stock market. The down payment usually varies from 3.5 and 20% of the purchase price and you have to do a proper calculation knowing the right amount.· Next, you have to arrange all legal documents ensuring that you carry out all the proceedings in the right way. You can consult with an expert lawyer understanding the things in detail that m.ake sit easier to buy your house without any confusion. And it’s important that you become the owner of the house legally and you have the full right to take any decision in future.Now, you can buy the apartment of your choice that gives you the confidence to lead a better lifestyle. A 3BHK apartment in Lucknow brings in ample space and thus you can now help your family members to stay well. And if you are applying for a mortgage loan you must go through the terms and conditions knowing that you are completely safe. You can also consult with a loan advisor knowing which option is suitable for you fulfilling all your specifications.
Financial advice - first time buying house, no credit history?
You can attain a FHA loan with no credit history as they will consider alternative forms of credit including your history of paying utility bills and other things you pay monthly. But you can't use an FHA loan on a fixer upper unless it is an FHA 203k. The harder part for you to overcome is showing a proof of steady income (tax returns) for a minimum of 2 years at a rate to afford to repay the required loan. The rule of thumb of your ability to borrow is 3 times your yearly gross income. So if you need to buy a $336,000 house and make $ 36,000 you will need a roughly $225k down payment. I know you have trouble believing this, but I am willing to bet the friends of yours being paid $30k per year are in two income households and were able to put down a major down payments or made their purchases for a great deal less. If you still think this is ridiculous call your friends and ask them.
What is the best advice and way to start looking into buying a house for a first time home buyer?
Buying your first house can be extremely exciting but you have to make sure to know the dos and don’ts. Incurring losses can be painful and a waste of time, effort and money. While there are plenty of ways to ensure that you don’t do the wrong things and do plan correctly, read this article by Zack Childress, a real estate mentor, on “Instructions for first time house buyers”Guidelines for people who are buying houses for the first time:Spending too much or too littleSpending too much for a house is not good. Housing prices are not just about the final purchase cost, but also come with repair costs and taxes. When you fix up the budget, you should plan according to the general rule which states that monthly expenses which include mortgage payments, property taxes and heating expenses should not be above 32% of your monthly gross income. Spending too little for your house is also bad. This will result in buying one which you will want to leave soon. You have lost precious money, time and effort in the house buying deal then.Don’t buy just any houseConsider what home suits your needs. For example: if you want a property for some time and then resell it, then consider buying a single family home as it makes quick money with a few upgrades. But, if you want return on your investment, then it’s good to go with a multi-family home. With good staging and marketing tactics, a multi-family home can fetch you amazing rent.