Mortgage Payments: What Percentage Of Your Income Can You Afford?
When it comes to home mortgages, it all depends on your monthly income. Unless you have a little birdy coming to drop a paper bag filled with cash every month. Usually, first-time home buyers want to know what percentage of their income they can dedicate to mortgage payments without having to cut corners for other expenses. They also want to know if that percentage consists of insurance for homeowners, property taxes and private mortgage insurance (PMI). Frankly, these are all the right questions to be asking, and you’re reading just the right content to answer your question.
How much mortgage can I afford?
First and foremost, the golden rule here is to take into account your total housing payment. Do not focus the better portion of your attention on just mortgage alone. Any veteran in the business will tell you that your housing budget should include PMI, insurance for homeowners and every other housing-related insurance plus property taxes. Many homebuyers have made the mistake of not summing them all together. You don’t have to.
The percentage of your income that should go into your mortgage payment can be your personal choice if you’re financially savvy. However, it’s best to seek professional advice. Meaning what you decide in the long run depends on who you ask and what they tell you. There’s the conventional model for determining what percentage your mortgage payment takes; the 35% to 45% model. This means, 35 to 45 percent of pretax income. Some call this 35% being conformist; others call it the average. Either way, this is the conventional module when it comes to your income and mortgage payments. This standard also allows buyers to take on mortgages that span as long as 30 years. A home mortgage calculator can help you with calculating.
On the conservative side, that is if you choose to be, the percentage that goes into your housing payment should not exceed 25% of your after-tax income—your take-home income at the end of the day. The central point here is that it is not only advisable to have just 25% of your income going to mortgage, but you should also opt for a fixed-rate mortgage of less than 15 years. The idea of the conservative model is to not spend so much on a house when you could channel those funds into education, cars, vacations and furniture—the good stuff basically. Simply put, more than 25% will stress your budget and make you “house poor.”
There’s a huge difference between the two modules as you can see and both of them have their benefits. You could choose any one you feel works for you and be on your merry way, but here is what we recommend and it lies somewhere in between the conventional and conservative module. Being averse to debt is cool and so is not being averse to debt as long as you’re seriously keeping in mind other factors like a new car, boat, kids, you losing your job and so on.
Also, try to maintain a maximum of 40% of your monthly pretax income when it comes to your total debt payment. If you can, 33% is not a bad maximum at all. For your mortgage payment, keep it at 28% or below 28% of your monthly pretax income.
That’s pretty much it. The rest is easy if you follow the right guidelines. Meanwhile, be sure that you don’t get tempted by your lender or financial institution to take on more than you should when you go for pre-approval on the mortgage you applied for. There’s a high chance Lenders and financial institutions will approve an application for a home mortgage with a percentage of 30 to 35% in payments. However, it’s their job to get people to take more loans, so ensure you’re not taking more than you can afford just because it was approved.
Preservation of Natural Resources is Essential for Energy Transfer’s Operations, Says Kelcy Warren
Energy Transfer, a firm that operates in 41 different states, is well-known for the extensive pipeline and energy holdings network that it maintains. But what some people may not know is that the Penn Virginia Operating Co., LLC, which is wholly owned by the parent company of Energy Transfer, is in charge of the management of about 675,000 acres of property in West Virginia, Kentucky, Indiana and Virginia. This part of the operations includes the business of selling timber at retail, managing royalties from oil and gas production, and leasing land for use in agricultural and industrial endeavors.
The depletion of the mining sector in certain places has resulted in economic decline. However, under the leadership of Executive Chairman and co-founder Kelcy Warren, Energy Transfer’s Natural Resources Operations have helped to reverse this trend in important areas. This work encompasses 3,500 acres of land used for the cultivation of corn and soybeans, in addition to 1,200 acres used for the keeping of cattle.
Kelcy Warren states with great pride that Energy Transfer is one of the largest landowners in West Virginia, and that the operations of the company generate a significant amount of tax income for the state. He further commented that they acknowledge the weight of their role in administering natural resource operations in four different states and are devoted to conserving and restoring the region’s natural beauty.
Preserving Nature through Collaboration
“The preservation of our land is of great significance to us,” says Kelcy Warren. “Our certified foresters are responsible for administering forestry initiatives, tracking the growth of trees, and controlling timber activities on the nearly 249,000 acres of forest located in Kentucky, Virginia, and West Virginia. We make certain that all timber operations remain productive so that harvesting does not surpass the rate of development of the woodlands.
For a long time, we have worked with a variety of entities that have utilized our land for a multitude of objectives, ranging from college research to National Guard drills, and recreational activities such as clay shooting and hunting leases. Additionally, we have partnered with state and local governments in order to plan for industrial development which can generate new jobs and foster economic growth.
For over three decades, we’ve collaborated with Virginia Tech University to investigate the restoration of plant and tree types on land that was used for coal production as a component of the 1,000-acre Powell River Project. This endeavor has had an impact on the regulations and strategies for reclamation laid out by the U.S. Army Corps of Engineers.”
Farming of lavender on soil that has been previously used for mining purposes is becoming increasingly popular. This type of agricultural practice has been embraced in many parts of the world, and is seen as a way to bring life back to places that have been impacted by the mining industry.
The Appalachian Botanical Company, founded by Jocelyn Sheppard in 2018, is an example of Energy Transfer’s extraordinary leased land accomplishments. Set on reclaimed coal land in West Virginia, The Appalachian Botanical Company cultivates lavender and nurtures bee habitats, then turns their harvests into essential oils, lotions, and other health and wellness products. The company strives to accomplish two objectives: to offer a viable, financially secure way to restore mining areas and to create jobs for people with difficulties finding traditional employment that pays more than minimum wage.
The hardiness of lavender enables it to thrive even in the rocky ground typically found at former coal mining sites. This type of plant is able to survive without much water, is pest-resistant, and does not need a lot of fertilizer. The mining organization has remediated the area and conducted tests to confirm that the water and soil on the premises are pure and free of pollutants.
The Appalachian Botanical Company is presently cultivating 75 acres, and intends to expand. This offers a valuable opportunity for work in a region that has endured the displacement of countless jobs in the coal industry over the past decade. Sheppard has a long-term plan in mind, hoping to have a positive influence on the local area and become the greatest commercial-scale provider of lavender in the United States.
10 MUST-HAVE PLANTS FOR A LOW-MAINTENANCE LANDSCAPE
Landscaping is an essential aspect of property management, but it can be challenging to maintain a beautiful landscape with minimal effort. That’s why low-maintenance landscapes have become increasingly popular in recent years.
Research has shown that gardening is a common activity in American households, with 55% of them engaging in some form. Interestingly, millennials constitute a significant proportion of gardeners, accounting for 29% of the demographic.
Low-maintenance landscapes require less water, fertilizer, and time to maintain, making them more cost-effective and sustainable in the long run. Using the right plants is one way to achieve a low-maintenance landscape, and in this article, we’ll introduce you to the top 10 must-have plants for a low-maintenance landscape.
Additionally, It’s important for you to understand that landscape project management software can help streamline the design and maintenance of your low-maintenance landscape project.
So, whether you’re a property manager, a landscaper, or a homeowner looking to simplify your outdoor space, read on to learn how these 10 must-have plants can help you achieve a beautiful, low-maintenance landscape.
Sedum is a genus of succulent plants that is perfect for low-maintenance landscapes. It is easy to grow, drought-resistant, and requires minimal upkeep.
Sedum plants are succulents that store water in their leaves and stem, making them tolerant to drought conditions. They have fleshy leaves and a compact, low-growing form that adds texture and interest to a landscape.
Sedum produces colourful, star-shaped flowers that bloom in late summer or fall and attract pollinators such as bees and butterflies. According to research from Wikipedia, there are over about 600 to 420–470 species of Sedum plants, ranging from groundcovers to tall, upright varieties.
Some popular types of Sedum include Sedum spurium, Sedum ternatum, Sedum reflexum, and Sedum ‘Autumn Joy’.
To ensure Sedum plants thrive in your low-maintenance landscape, it is essential to follow some care tips, which include:
- Growing Sedum plants in well-drained soil and full sun but they can tolerate some shade
- Avoiding overwatering as Sedum plants require little water once established
- Pruning Sedum plants back in early spring or late fall to keep them compact and healthy
- Applying a layer of mulch to conserve moisture and suppress weeds, which are beneficial to Sedum plants.
Agave plants are perfect for low-maintenance landscapes because they are drought-tolerant and easy to care for. These plants store water in their leaves and survive in hot, dry conditions.
Agave plants are known for their striking appearance, with spiky leaves that can be either blue, green, or variegated. They hold significant ethnobotanical importance, particularly to the people of Mexico, where the genus exhibits the highest diversity.
Based on research, Mexico’s agave production in 2021 decreased to 1.77 million metric tons from the previous year’s production of 1.91 million metric tons.
There are over 200 species of Agave plants with varying sizes and shapes. Some popular types of Agave include Agave americana, Agave desmettiana, and Agave parryi.
When caring for Agave plants, it is essential to plant them in well-draining soil and full sun. They do not require frequent watering and should be allowed to dry out between waterings. Agave plants also benefit from occasional fertilization with a low-nitrogen fertilizer. Pruning is not necessary unless there are damaged or dead leaves.
Lavender is a must-have plant for low-maintenance landscapes due to its drought-tolerant nature and fragrant flowers. It requires little water once established and thrives in full sun and well-drained soil. Lavender plants come in many varieties, including English, French, Spanish, and others.
They produce spikes of purple, pink, or white flowers that bloom in late spring or summer and attract pollinators such as bees and butterflies. Pruning back the plant after flowering helps to maintain its compact shape and prolong its life.
Additionally, using lavender for cooking or making sachets is a great way to enjoy its fragrance and versatility.
Yucca is a good plant we recommend for low-maintenance landscapes due to its striking foliage and drought-tolerant nature. It requires minimal water once established and prefers full sun and well-drained soil.
According to a publication, the genus Yucca is part of the Asparagaceae family and consists of approximately 40-50 plants with medicinal properties.
Yucca plants come in various sizes and shapes, from small clumps to large shrubs or even trees. They produce tall spikes of white or cream-coloured flowers that bloom in the summer and attract pollinators such as moths and hummingbirds.
Pruning the plant back in the late winter or early spring helps to maintain its shape and encourages new growth. Yucca is also known for its ability to purify the air and its edible flowers and fruit.
- ORNAMENTAL GRASSES
We recommend ornamental grasses due to their easy care and versatility. They require minimal watering once established and can thrive in various soil types and sun exposures.
Furthermore, ornamental grasses come in various sizes, colours, and textures, providing year-round interest to a landscape. They can be used as borders, groundcovers, or as focal points in a garden.
Ornamental grasses are also low-maintenance in pruning, typically only requiring a cut back in the late winter or early spring.
Cacti are ideal for a low-maintenance landscape as they require minimal watering and can thrive in arid environments. These plants come in various shapes and sizes, from small, round globular forms to tall, columnar species.
Some popular types of cacti include the barrel cactus, prickly pear cactus, and saguaro cactus. Cacti have unique and striking features, such as their spines and colourful blooms, which can add interest and texture to a landscape.
With proper placement and care, cacti can be a beautiful and easy-to-maintain addition to any low-maintenance garden.
- RUSSIAN SAGE
Russian Sage is an excellent choice if you’re looking for a low-maintenance plant that adds colour and texture to your landscape. It’s a hardy perennial that’s drought-tolerant and requires minimal care, making it ideal for busy homeowners or those who want a low-fuss garden.
This plant has beautiful lavender-blue flowers that bloom in summer and add a striking contrast to other plants. Russian Sage is also deer-resistant, making it an excellent option for those living in areas with lots of wildlife.
With its easy-care nature and stunning appearance, it’s no wonder why Russian Sage is a must-have for any low-maintenance landscape.
Succulents come in many shapes, sizes, and colours and can add much interest to any garden. Research highlights desert succulents as a sustainable resource in a carbon economy.
Plus, they’re straightforward to care for! Since they store water in their leaves and stems, they don’t need to be watered often, making them perfect for those who want a beautiful garden without the hassle of constant upkeep.
They also thrive in hot, dry climates, so they’re perfect for areas that don’t get a lot of rain. With such wide varieties available, succulents are a great way to add personality and charm to your landscape
Rosemary is a fantastic addition to a low-maintenance landscape. It’s a hardy herb that can survive in harsh conditions, making it perfect for those who want a low-maintenance garden.
Statistics reveal that in 2022, the population of Rosemary was recorded as 428. Over the past year, the population of Rosemary has grown by 6.20%, and in the last five years, it has increased by 7.00%.
Its fragrant, needle-like leaves add a pop of green to the landscape and provide a lovely aroma when brushed against. Rosemary can also be used in cooking, making it a versatile and valuable plant in your garden.
Best of all, it requires minimal care and attention, making it an excellent option for busy gardeners. Just make sure to plant it in well-draining soil and give it plenty of sunlight, and you’ll have a beautiful, low-maintenance garden addition.
Boxwood comes last in our list, it is a versatile plant that can be used for both formal and informal landscapes. Its dense foliage and evergreen nature make it a perfect plant for hedges, topiaries, and borders.
Not only is it low-maintenance, but it also requires minimal pruning to maintain its shape. Boxwood thrives in full sun to partial shade and is drought-tolerant once established.
It’s also deer-resistant, which makes it an excellent option for gardens in areas with high deer populations. With its classic look and easy upkeep, boxwood is a must-have for any low-maintenance landscape.
A low-maintenance landscape can provide various benefits, including saving time, money, and resources. It can also reduce environmental impact and give a beautiful, relaxing outdoor space with minimal effort. There are many plants to choose from when creating a low-maintenance landscape.
The ten must-have plants we have discussed, which are Sedum, Agave, Lavender, Yucca, Ornamental Grasses, Cacti, Russian Sage, Succulents, Rosemary, and Boxwood, are excellent choices for homeowners who want to reduce the amount of time and effort they spend on landscaping while still enjoying beautiful outdoor spaces.
These plants are easy to care for, drought-resistant, and add visual interest to any garden. By incorporating these low-maintenance plants into your landscape, you can spend less time working on your yard and more time enjoying it. Thanks for reading!
Steps In Filing a Wrongful Death Claim
The loss of a loved one is a life-changing event that often leads to a profound amount of grief. The pain of this loss can feel even greater if the cause of death was something that could have been prevented. When a loved one has died due to the negligence of another, the need to seek justice can feel overwhelming. In such a situation, you may be able to do just that and get the justice your loved one deserves by hiring a lawyer to file a wrongful death claim. To file a wrongful death claim, it’s important to understand how the process works and the associated procedures.
How To File a Wrongful Death Claim
- Determining Eligibility To File: in a wrongful death claim, there is a chain of eligibility defining who has the right to do so based on availability. The first right for filing a claim falls to the spouse of the deceased, then children, and parents, and if none of the previously mentioned parties are available, the executor of the estate may file on behalf of the next of kin.
- Defining Wrongful Death: a wrongful death is accidental in nature and due to the negligence of a third party. Common causes include car accidents, sports accidents, medical malpractice, construction accidents, assault, workplace injuries, defective products, and others. A general rule is that if the accident was non-fatal, then a personal injury claim could be filed.
- Pre-Trial: in this step, your attorney will take the needed steps to bring your case to trial. This can include the filing of needed paperwork, setting up an estate if needed, the collection of evidence, verification that a negligent party owed a duty of care they did not meet, and proper notification of involved parties about the case and the pursuit of legal action.
- Negotiations and Settlements: not every wrongful death case goes to trial. In many cases, to avoid a trial, the other party will offer a settlement. This should be given full consideration as even with strong evidence, trials are stressful and time-consuming. Your lawyer will negotiate the terms of the offer and provide you with all the information needed to make a sound choice.
- Filing a Lawsuit: this step only occurs if your case is going to trial. If negotiations and the chance at a settlement fall through, or you cannot come to an acceptable agreement, the next step is court proceedings. Your lawyer will handle the paperwork for you and the other party will be properly served.
- The Litigation Process: litigation is an involved process and your case does not immediately go to trial. During litigation, your lawyer will continue negotiating with the other side to see if a settlement is possible. Information will also be shared between both sides during the discovery process. Also, a mediator will step in a final attempt to reach a settlement if disagreements continue. If all attempts at settlement fail, your case will then go to trial.
If a family member has passed away due to the fault of another, you deserve a day to court to fight for justice on their behalf. With the assistance of an attorney, you can rest assured that the involved parties will be held accountable, and a conclusion will be reached either in settlement or, if needed, a trial.
Advantages and Disadvantages of Pre-Painted Fenders
Pre-painted fenders are a popular option for car owners who want to replace their old, damaged fenders with a new, fresh look. Pre-painted fenders come already painted in the same color as your car, saving you the hassle of having to find a paint shop and getting your fenders painted. However, like any other product, they have both advantages and disadvantages. In this article, we will discuss the advantages and disadvantages of painted car fenders.
Advantages of Pre-Painted Automotive Fenders:
- Saves Time and Money: Pre-painted fenders save time and money because you don’t have to take your car to a paint shop to get the fenders painted. This means that you can install them right away, without having to wait for the paint job to be completed.
- Color Match: Pre-painted fenders are painted in the same color as your car, ensuring a perfect color match. This means that your car will look as good as new, without any visible signs of repairs.
- Convenience: Painted fenders are more convenient than non-painted fenders because you don’t have to go through the process of painting them yourself or finding a paint shop to do it for you. They also come ready to install, which means you can have your car back on the road in no time.
- Quality: Pre-painted fenders are typically of high quality, as they are painted using the same paint and techniques as the factory. This ensures that the paint job is durable, long-lasting, and looks as good as new.
Disadvantages of Pre-Painted Car Fenders:
- Limited Selection: Pre-painted fenders are only available in a limited selection of colors, which may not match the color of your car exactly. This means that you may have to compromise on the color of your car or pay extra to get a custom paint job.
- Cost: Pre-painted fenders are more expensive than non-painted, which may not be feasible for those on a budget. You may also have to pay extra for shipping and handling, which can increase the overall cost.
- Fit: Pre-painted fenders may not fit your car perfectly, especially if you have a rare or unique model. This can result in a poor fit, which can affect the appearance and functionality of the fenders.
In conclusion, pre-painted fenders have both advantages and disadvantages. While they save time and money and offer a perfect color match and convenience, they are also more expensive, have limited color options, and may have quality control issues. Ultimately, the decision to purchase pre-painted fenders depends on your individual needs, budget, and preferences.
Learn more on: https://paintedautoparts.com/products/fenders.html
How to find something you lost
Although losing something can be frustrating, so question is How to find something you lost, you can take the following measures to improve your chances of finding it:
Retrace your steps:
while remaining calm and recalling the last time you had the item. Try to remember where you went and what you did. Check the places you visited or the areas you passed by.
Examine all potential hiding spots for the item, including pockets, drawers, bags, and shelves. Also, look in less obvious places like under furniture or between cushions.
- Ask others for help to find something you lost:
Ask around to see if anyone has found or turned in anything you’ve lost in a public area. Ask your family members or roommates if they have seen anything if you have lost something at home.
Use technology to find something you lost:
Use the “Find Me” or “Find My Device” features on your smartphone to find it if you misplace it. Consider using a Bluetooth tracker like Tile or a comparable app to help you find lost items if you have misplaced other items like your wallet or keys.
Report the loss:
Contact the appropriate authorities or the police to report the loss of any valuables, such as a passport, ID card, or credit card.
Remember to keep looking and being patient. Either someone found the object and turned it in, or it might suddenly appear in an unexpected place.
Pray to find something you lost
In general, the best thing to do is to pray or ask for help in finding the lost item and have faith that it will be found. Praying and having a positive mindset can help reduce anxiety and increase your chances of finding the lost item.
Considering the lost item
If you have lost an item and want to remember to keep looking for it, here are some tips that might help:
Note this down:
Note the specifics of the lost item, such as what it is, when and where you lost it, as well as any identifying characteristics or details that might aid in its recovery. Keep the note visible, like on your refrigerator or in your daily planner, to serve as a reminder to continue looking for it.
- To remind yourself to continue looking for the lost item, you can set a reminder on your phone or computer. Another option is to schedule a specific time each day or week to dedicate to looking for the item using a calendar.
- You could also ask a friend or a family member to help you remember to keep looking for the lost item. Having someone else to hold you accountable can be a good way to stay motivated and focused.
- Try to Imagine the missing item in your mind and speculate as to where it might be. This may serve as a reminder for you to keep looking for it as well as serve as a memory jogger for you to recall where you may have left it.
Remember that the secret to finding a lost item is persistence and continued searching. There’s always a chance the misplaced item will turn up somewhere unexpected, even if it takes some time.
Find lost things help of Astrology
- However, some individuals think that astrology can offer guidance for locating misplaced objects. If you are interested in exploring this, here are some steps you can follow:
- Your birth date determines your astrological sign, and each sign is connected to a different set of traits and characteristics. By researching your birthdate online or speaking with an astrologer, you can find out what sign you are according to the stars.
- Determine the ruling planet: According to astrology, each sign is connected to a planet that is said to have an impact on various facets of your life. You can either consult an astrologer or look up the ruling planet for your sign online.
- Search using the ruling planet as a guide: Some astrologers think that knowing where to look for a lost item can be determined by the planet that rules your sign. For instance, if Venus is your ruling planet, you might want to look in places that are symbolic of luxury or beauty, like your jewelry box or makeup bag.
- Remember, astrology is not a scientifically proven method of finding lost items, and there is no guarantee that it will be effective. If you do decide to investigate astrology as a way to locate a lost item, it’s critical to keep a realistic outlook and continue using practical search techniques, such as backtracking or enlisting assistance.
Mediation on how to locate the missing item
When searching for a lost item, meditation can be a useful tool for lowering stress and anxiety. To help you focus your mind and improve your chances of finding your lost item, try the following straightforward meditation:
Locate a peaceful area and take a seat there. This will ensure that you are not disturbed.
You can relax and focus better by engaging in deep breathing. Take several long breaths.
Close your eyes and try to picture the lost object in your head as you try to visualize the lost object. You can clearly picture yourself holding it in your mind.
Put your feelings first: As you picture the lost item, be aware of any feelings that come up. Try to pinpoint any unfavorable thoughts or emotions that might be preventing you from discovering it.
Release negative thoughts and feelings: As you exhale, picture yourself letting go of any negative thoughts or feelings that might be obstructing your search for the lost item.
Embrace your gut feeling: Have faith that the missing item will be located, and rely on them to direct you there. Have faith that it will be returned to you in due time.
Convey your gratitude: Once the meditation is over, express your gratitude for receiving the lost item back. Have faith that it will materialize and that the universe will return it to you.
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