Jack-of-all-trades : A person who can do many different kinds of work.
stretch mark
Tuesday, October 5, 2010
Friday, September 24, 2010
Rent or Buy a residential apartment
Forward from http://www.indrealty.in/knowledgebase.php?id=24
Renting a residential apartment and its advantages
•Renting a residential apartment allows the people to get accustomed to the new environs before considering the purchase in that particular area.
•Renting a residential apartment also gives the liberty to move freely to another location for career related matters.
•Most of all, if there are limited finances then renting is a better option as it does not incur a big cost as compared to the down payment while planning a purchase.
•Renting a residential apartment cuts down botheration of paying the property tax and the maintenance costs involved; as they are to be taken care of by the landlord.
Purchasing a residential apartment and its advantages
•Purchasing a residential apartment is considered a valuable asset especially with the rapid appreciation in the real estate market. With the increasing value of the purchased property one can get profitable returns and gains.
•Though the initial cost of purchasing an apartment is high, but if compared in the long run the cost of purchasing an apartment/ flat is not too expensive than renting a flat.
•The low interest rates and easy availability of home loans has made purchasing an apartment quite possible.
•Owning an apartment gives the freedom to make the desirable changes to the property as and when required.
•Owning an apartment also saves the trouble of shifting your belongings and looking for a new apartment time and gain.
Weigh your Finances
Before deciding whether to rent or purchase an apartment, always weigh your financial circumstances, responsibilities and limitations. Several Web sites provide loan calculators which help in determining the amount of loan that one can get and the EMI amount depending on the loan tenure. If you feel that there isn’t too great a difference between the amount you pay for rent and the calculated EMI, you know what to opt for.
Compare the appreciation/ depreciation rate
In the rent vs. purchase decision, try and compare the yearly appreciation (increasing value) or depreciation (decreasing value) rate of the property with the increase/ decrease in the rental values on an annual basis.
Rent-to-purchase is a way out
If you feel, you are uncertain about your job stability, the locale and the surroundings or need to accumulate more finances to afford going for a purchase or want to strengthen your credit history then the best option is to rent a residential apartment in the particular area you wish to make a purchase later on. This will give you a fair enough time and idea about the existing advantages and disadvantages of living in that particular location for a lifetime. If you are convinced about all the aspects you can consider going for a purchase, if not, you can always check other options.
The choice is yours!
Draw your long-term goals in life. If you feel content and happy in renting an apartment which saves you the headache of maintaining a property or you cannot afford to own an apartment with the available finances then, you never know, renting might turn out to be a better option for you. On the other hand renting may also lead to purchasing a residential apartment once you feel secure on a personal and financial level.
Renting a residential apartment and its advantages
•Renting a residential apartment allows the people to get accustomed to the new environs before considering the purchase in that particular area.
•Renting a residential apartment also gives the liberty to move freely to another location for career related matters.
•Most of all, if there are limited finances then renting is a better option as it does not incur a big cost as compared to the down payment while planning a purchase.
•Renting a residential apartment cuts down botheration of paying the property tax and the maintenance costs involved; as they are to be taken care of by the landlord.
Purchasing a residential apartment and its advantages
•Purchasing a residential apartment is considered a valuable asset especially with the rapid appreciation in the real estate market. With the increasing value of the purchased property one can get profitable returns and gains.
•Though the initial cost of purchasing an apartment is high, but if compared in the long run the cost of purchasing an apartment/ flat is not too expensive than renting a flat.
•The low interest rates and easy availability of home loans has made purchasing an apartment quite possible.
•Owning an apartment gives the freedom to make the desirable changes to the property as and when required.
•Owning an apartment also saves the trouble of shifting your belongings and looking for a new apartment time and gain.
Weigh your Finances
Before deciding whether to rent or purchase an apartment, always weigh your financial circumstances, responsibilities and limitations. Several Web sites provide loan calculators which help in determining the amount of loan that one can get and the EMI amount depending on the loan tenure. If you feel that there isn’t too great a difference between the amount you pay for rent and the calculated EMI, you know what to opt for.
Compare the appreciation/ depreciation rate
In the rent vs. purchase decision, try and compare the yearly appreciation (increasing value) or depreciation (decreasing value) rate of the property with the increase/ decrease in the rental values on an annual basis.
Rent-to-purchase is a way out
If you feel, you are uncertain about your job stability, the locale and the surroundings or need to accumulate more finances to afford going for a purchase or want to strengthen your credit history then the best option is to rent a residential apartment in the particular area you wish to make a purchase later on. This will give you a fair enough time and idea about the existing advantages and disadvantages of living in that particular location for a lifetime. If you are convinced about all the aspects you can consider going for a purchase, if not, you can always check other options.
The choice is yours!
Draw your long-term goals in life. If you feel content and happy in renting an apartment which saves you the headache of maintaining a property or you cannot afford to own an apartment with the available finances then, you never know, renting might turn out to be a better option for you. On the other hand renting may also lead to purchasing a residential apartment once you feel secure on a personal and financial level.
Sunday, July 18, 2010
UWL - Importing Project
5年前在PERTH, 語言學校的老師印了University Words List 給大家. Chris說, 這是808個在,
高階教育最常用的單字. 它不包括那些最基本的2000字內(The General Service List). 所以這是很有效率的單字, 如果你們能把這些字全背起來的話. 現在, 拿出這幾張COPY的紙. 上網找到了當初那個作者列出這些單字的網站. 正試著要寫下所有再背一次. 突然覺得我需要找出它的中/英文意思或音標來幫助我的記憶. 突然覺得, 5年前的紙. 一輩子都是紙. 它是資料, 應該要讓它更有效的被應用. 現在是資訊時代. 資料要經過整理才會變成有用的資訊. 因此將會把先把它整理成EXCEL 表. 全部808個單字, 分成了11個level. 每個level整理成一張表. 11個表組合成一個檔案. 或許, 等我全部整理好再將它們匯入access 或 MySQL等資料庫. 將來可以在這上面繼續應用, 而不再只是平面的資料.
Will convert those words list into a spread sheet. May convert to the access and do something about it. Now it's an idea for now. The words are divided into 11 levels. That will convert to 11 sheets in a excel file for more usability about this. For the English as second language students will like to translate those words into their mother tongue's meaning.
The source from http://jbauman.com/index.html
高階教育最常用的單字. 它不包括那些最基本的2000字內(The General Service List). 所以這是很有效率的單字, 如果你們能把這些字全背起來的話. 現在, 拿出這幾張COPY的紙. 上網找到了當初那個作者列出這些單字的網站. 正試著要寫下所有再背一次. 突然覺得我需要找出它的中/英文意思或音標來幫助我的記憶. 突然覺得, 5年前的紙. 一輩子都是紙. 它是資料, 應該要讓它更有效的被應用. 現在是資訊時代. 資料要經過整理才會變成有用的資訊. 因此將會把先把它整理成EXCEL 表. 全部808個單字, 分成了11個level. 每個level整理成一張表. 11個表組合成一個檔案. 或許, 等我全部整理好再將它們匯入access 或 MySQL等資料庫. 將來可以在這上面繼續應用, 而不再只是平面的資料.
Will convert those words list into a spread sheet. May convert to the access and do something about it. Now it's an idea for now. The words are divided into 11 levels. That will convert to 11 sheets in a excel file for more usability about this. For the English as second language students will like to translate those words into their mother tongue's meaning.
The source from http://jbauman.com/index.html
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