Like whuuuuuuuut? 8 years na pala ko dito sa Tumblr. Ngayon ko lang kasi nacheck ‘to. Grabeeeee. Active Blogger na pala ko nung 2006. And take note di yan peymus. Hahahahaha. Joke. Ngayon lam ko na kung kelan blogsary ko. Huuu. Grabe lang. Ambabaw ko. Ge. :)))) 

Scrap Metal

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Posted: 2015-03-23 9:18am

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I put a small pile scrap metal at curb at 2323 Blackmore Drive, Glendale, CA 91206.

I will remove ad when it is gone.

  • do NOT contact me with unsolicited services or offers

post id: 4945294729

posted: 2015-03-23 9:18am

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Avoid scams, deal locally Beware wiring (e.g. Western Union), cashier checks, money orders, shipping.

Entry 22 - Renting vs. Owning

**The home that I can purchase with my salary**

**The apartment that I can be renting**

  • 1. Detail a location (city, state) where you would like to reside for a majority of your career.
    • Glendale, CA 
  • 2. Find one home that you feel you would be able to actually afford to Purchase (the purchase price is up to you, but be realistic) and detail the following:
    • a. How did you find this property? (URL, webpage, listing – show details)
    • b. What is your purchase price?
      • $385,000
    • c. Down payment (assume 10% - a one time cost)
      • $77,000 (Actual down payment 20%) 
    • d. Total estimated closing costs for your loan (assume 3% - one time cost)
      • $11,550
    • e. Total monthly mortgage payment:
      • Principal and Interest payment is $1,439 per month (assume an interest rate of 4.00% for 30 years).
      • Property Taxes are $3,840 per year, or $320 per month.
      • Homeowners Insurance is $1,152 per year, or $96 per month.
    • f. Estimate you total monthly utility expenses for: electricity, water, garbage, and natural gas
      • $250
  • 3. Find a similar home near the same location that you would possibly like to Rent and detail the following: 
    • a. How did you find this property? (URL, webpage, listing – show details)
    • b. Monthly rent:
      • $2035
    • c. Security deposit (one time fee)
      • Does not say
    • d. Total monthly utility expenses: electricity, water, garbage, and natural gas
      • Average $200/month
    • e. Renters insurance cost per year is $144 or $12 monthly. 
    • f. Restrictions of the property (pet owners, smokers, etc.)
      • Doesn’t have any restrictions except:
        • Only 2 pets are allowed w/ fee
        • $35 per month for each pet
        • Certain breed restrictions apply
  • 4.  Finally, discuss the advantages and disadvantages of both renting vs. buying and how these might affect your renting or purchasing decisions.
    • Advantages of renting:
      • Utility costs are lower
      • Lowering housing costs
      • Useful if you are moving constantly 
      • The landlord is responsible for all maintenance and repair work
    • Disadvantages of renting:
      • No tax incentives
      • No fixed housing costs
      • Restricted freedom (ex. pet ownership)
    • Advantages of buying:
      • Homes can increase in value/a good investment 
      • Costs are stable 
      • Privacy
      • Pride in ownership 
      • Tax deduction
    • Disadvantages of buying: 
      • Long term financial commitment 
      • Responsible for all maintenance
      • Requires a down payment, closing costs, and moving expenses,  unlike renting