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Newsflash, millions of people have appointments they have to weave into their work schedule.
Everyone wants work they can do on their own schedule. Few have that luxury while still making enough to have a decent living.
How many employers would hire me for a day job where I'm unavailable three mornings a week? Specifically do you think this employer would hire me:
Early morning starts and overtime is required. Regular shifts may include Saturday. Candidates need to be flexible to work their given shift. We are looking for employees to hire in to our company so those wanting consistent full time work will be considered first.
Its the rest of us against the bankers... and we are still losing.
Yep, and it will always be, and that kind of financing is the last phase of a housing bubble the Ponzi phase, well that is when you can't make money off the deal you have to find someone else to buy it from you to make money, so it is the second to last phase, the brake even phase.
Can't do FT M-F 9-5 with medical appointments in the way. Can't do FT swing shifts due to transit limitations (buses stop running before shift ends). Can't do FT graveyard because of early morning appointments.
Why can't I have work that I can do on my own schedule? Shouldn't be rocket science.
The underlying problem is choosing not to have your own transportation. If the $225 spent on a storage facility every month was spent on a decent car instead, you would have flexibility to get to more jobs at hours that fit your schedule.
The underlying problem is choosing not to have your own transportation. If the $225 spent on a storage facility every month was spent on a decent car instead, you would have flexibility to get to more jobs at hours that fit your schedule.
This is not rocket science.
Personal transportation is a tool that multiplies your options.
The underlying problem is choosing not to have your own transportation. If the $225 spent on a storage facility every month was spent on a decent car instead, you would have flexibility to get to more jobs at hours that fit your schedule.
This is not rocket science.
Except the cost of owning a vehicle is much higher than this unless you barely use it...
Except the cost of owning a vehicle is much higher than this unless you barely use it...
The cost is more than made up by being able to earn more money by having transportation, not to mention the freedom to go where you want to go, to see who you want to see, whenever you want to go. Priceless.
The cost is more than made up by being able to earn more money by having transportation, not to mention the freedom to go where you want to go, to see who you want to see, whenever you want to go. Priceless.
It depends on your location, recreational activities, family status, and job options. If you're trapped in a specific job for non-transportation reasons, the job thing isn't so relevant. Even if you're not, if you're single and able to find local hobbies, no reason you can't just move close to a new job site and keep housing costs down by renting a room. Now if you have TWO jobs that are 20 miles apart, that's of course a different matter entirely, as is the case if you're in a relationship.
The limitation on the income being at/below the area median is to prevent wealthy people from gaming the program IMO.
Yes, that's it... but there may be creative financing work-arounds. Only income considered? How many months? Can this be used for investment property or only primary residence?
The newest option, known as the Affordable Loan Solution plan, launched Feb. 22. It allows for down payments as low as 3 percent, no minimum cash reserves and loan amounts as high as $417,000 — and, unlike other low-down-payment mortgages, there are no charges for traditional private mortgage insurance. Just by itself, such insurance can sometimes add hundreds of dollars a month to buyers’ costs and make ownership difficult to afford, so this is a big deal. For applicants with thin or no credit bureau files, the program allows for consideration of nontraditional forms of credit history, such as monthly rent payments, utility bills and the like.
Now lets say we have a couple that saves $500 a month for a down payment. Over a five year period they save $30,000 + interest...oh that's right the economic stimulus gives them no interest...My bad. So to make the last 10k they save their tax refunds , and did a little moonlighting and working side jobs....So now they are ready to place their bid and just then with this new program they are bidding against someone who wastes no time providing the rest of us with good and services, but simply applies for credit....As a reward we will lower their taxes in interest expense while the other couple gets no such thing because they actually earned the finance.
Its the rest of us against the bankers... and we are still losing.
Gee, then, we did it ALL WRONG, Darn it!
We received a conventional mortgage with 10% down for 30 years and PMI, darn it! We WOULD have put 20% down, but wanted to be sure we had an extra good cushion in the "housing account" to do what improvements we wanted, without touching other assets.
ANd Now, that the renos are mostly done, and we have paid the other 10% as Principle Only payment {PLUS MORE $$$ in addition}, now they say we have to have at least 2 years of on-time full mortgage payments and a new appraisal BEFORE we can eliminate PMI. We expect to have the house paid for in 5 years or less, so the PMI will pretty much stick with us!
*sigh*
Darn it for those of us who have the funds, have great credit scores, an appropriate income to qualify for a CONVENTIONAL mortgage by doing everything right.
Gee, then, we did it ALL WRONG, Darn it!
We received a conventional mortgage with 10% down for 30 years and PMI, darn it! We WOULD have put 20% down, but wanted to be sure we had an extra good cushion in the "housing account" to do what improvements we wanted, without touching other assets.
ANd Now, that the renos are mostly done, and we have paid the other 10% as Principle Only payment {PLUS MORE $$$ in addition}, now they say we have to have at least 2 years of on-time full mortgage payments and a new appraisal BEFORE we can eliminate PMI. We expect to have the house paid for in 5 years or less, so the PMI will pretty much stick with us!
*sigh*
Darn it for those of us who have the funds, have great credit scores, an appropriate income to qualify for a CONVENTIONAL mortgage by doing everything right.
*double sigh*
Well, once the mortgage is totally paid off you can be sure the PMI can go, no matter how stubborn of a lender you have.
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