Bs1234 Jessica Simpson

So you find you have managed to scrimp and save some money for a down payment on a house, have paid off your vehicle, and you also have found you have enough surplus monthly income for a new car payment. If you are in this position, and your vehicle can still manage to incur a few thousand more miles consider holding off on the purchase of a new car. You may ask, Why is this advisable? The reason is that most first-time homebuyers, and some veterans, do not know that your new car payment will directly affect your debt-to-income ratio.

Suppose for illustration sake, you had purchased the new car and you contact a loan officer to get pre-qualified for a mortgage loan. You state your desired price and how much you have managed to scrimp and save for the down payment. You provide your income and may even supply pay stubs and W2 forms. The loan officer methodically crunches the numbers (by telephone, in person, or even over the internet). And the loan officer promptly lets you know that you would have qualified for a higher home sales price if you didn't have "that expensive car payment!"

You see, when determining your ability to qualify for a mortgage, in addition to your three-digit credit score a lender looks at what is called your "debt-to-income" ratio. A debt-to-income ratio is the percentage of your gross monthly income (before taxes) that you spend on debt. This will include your monthly housing costs, including principal, interest, taxes, insurance, and homeowner's association fees, if any. It will also include your monthly consumer debt, including credit cards, student loans, installment debt, and of course, car payments. Your debt-to-income ratio is the amount of debt you have in the form of mortgages, car loans, student loans and credit card debt, as compared to your overall income.

You might ask, Why is this number so important? I make a good income and I'm never late on my monthly payments, well only occasionally. What it comes down to is the amount of debt you have to pay on a monthly basis relative to your monthly income. You may bring in a hefty paycheck but have equally hefty debt payments which could be a problem. Or you may make a modest income but have low monthly debt payments. Your ability to qualify for a mortgage loan is unique to your particular financial situation. That's why lenders look at this number just as closely as your FICO score.

To calculate your debt-to-income ratio, add up all of your monthly debt obligations-often called recurring debt-including your mortgage (principal, interest, taxes, and insurance) and home equity loan payments, car loans, student loans, your minimum monthly payments on any credit card debt, and any other recurring loan payments you might have. Do not include expenses such as groceries, utilities and gas. Take this total and divide it by your gross income from all sources. If you want to try your hand at a debt-to-income ratio calculator, go to www.bankrate.com , which has a great online tool to help you figure out your debt-to-income ratio.

Let's say you and your spouse together earn $60,000 per year or $5,000 per month. Your total mortgage payment is $1,100 your car loan totals $400, your minimum credit card payments are $150 and your student loans add up to $100. That equals a recurring debt of $1,750 a month. Divide the $1,750 by $5,000 and you'll find your DTI is 35 percent.

In general, you'll want to keep that number below 36 percent-a threshold that loan officers and credit card issuers often use as a factor when they determine how much they're willing to lend you. If you go higher than the above mentioned number, you may be able to qualify for a loan but usually at higher interest rates and therefore higher monthly payments. The higher your DTI number, the riskier it is for lenders to offer you loans-and the more they'll make you pay for them.

Looking back at our example, suppose you earn $5000 a month and you have a car payment of $400. Using an interest rate of 8.0%, you would qualify for a mortgage loan that was approximately $55,000 less than if you did not have that new car payment. Are you seeing the importance of holding off on that new car?

So, if you have not already bought a new car, and your old one can still take a few thousand more miles, try to qualify for the home first which as an appreciating asset will bring you great tax savings, as well as a place to live in. You can forgo that new car smell for another time!

For more information on mortgage loans visit http://www.nefcortez.com

Nef Cortez has been a licensed real estate broker and has held various positions in the real estate industry for over 25 years. Visit his website at Chino Hills CA Real Estate for information on foreclosures.

Free Lesbian Porn Pic
Flight To Philadelphia
Bad Credit Home Loans
White Stripes Music Videos
Hybrid Cars Less Emissions
Ear Vine Wire Jewelry
Magic Mountain Columbus Ohio
My Side Of The Mountain Book Report
Real Estate Schools In Jacksonville Florida
Delaware County Ohio Debt Consolidation Loans

If theres one thing the French know its exquisite lingerie! France's fashion houses and lingerie designers are renowned throughout the world for their directional designs and the quality of the craftsmanship and materials used.

The Elise Aucoutrier Confession Karups Private Collection is a real winner. Delicate fabrics in chocolate and lilac, combined with lace and floral details, make this the perfect lingerie for a sexy summer! Elise Aucouturiers work is very different and sensual in a 'girl next door style' that is totally captivating.

The Elise Aucoutrier Confession Triangle Bra is a lightweight bra that enhances smaller busts and blends sweet chocolate and floral cotton with sexy lilac lace and funky lime-coloured straps. It has a gentle retro countryside feel to it which is enhanced by the dold pastel colours and delicate lace work. The fabris are soft and feel great against the skin wheteher

The matching Tanga picks up on the delicate lace detailing, completing the cute country cottage look. Think of a milk-maid who knows exactly what she wants!

The Elise Aucoutrier Confession Chemise offers full-on summer sweetness with a raunchy twist. The vertical lace detail on the chocolate and floral base elongates and flatters your body, while the zigzag detailing along the hem suggests a wild streak ready to be unleashed.

The Elise Aucoutrier Confession Camisole from Mio Destino is ideal for day or nightwear. Combined with the matching Shorts it offers a sweet and sassy bedtime outfit. Or team it with jeans for a night out!

By Paul Bowers, I write for Mio Destino and for it's blog site MioBlog writing articles of interest to their international clients. The company sells high end, designer lingerie, swimwear, corsets, pajamas and mens underwear predominantly from Italy and France but also from the US, Canada and other parts of Europe.

Colloidal Gold Minerals Colloidal Gold Utopiasilver Com
Amateur Naked Photo Submitted
Acura Cl
Direct Consolidated Loans
What Is Herpes
Non Profit Debt Consolidation
Craft Handmade Jewelry
Backstage Hardwear Mountain
Atlantic City Casino Reservation
Government Sponsored Debt Consolidation

If you are looking for quality hunting trips, then Missouri is a great place to go to scratch your itch and enjoy a few days in nature. You will love the natural beauty of the state of Missouri, and the hunting there is prime if you are looking for ducks, geese, or other waterfowl hunts. To make your hunting trip even more productive, though, the best way to go is to hire a local Missouri hunting guide to help you find the best locations and the best hunting in the state.

While it is possible to find a great site to hunt all on your own, the best sites are known to the local guides who are more than happy to share them with their clients who are looking for some real enjoyment of their hunting trips. There are many quality guides in the state of Missouri, and obtaining their services for your next hunting trip is as easy as letting them know what you are interested in, and setting a price.

Your Missouri hunting guide will be able to take you to some of the best locations for a really quality hunting trip. They know what you will need and what kind of atmosphere hunters require because they are used to guiding, and will not distract or otherwise trouble you while you are sporting. You will get an incredible experience, and one that you could not have gotten without the aid of an experienced guide.

Local Missouri hunting guides and outfitters know the land because they live there. Many of them have spent years hunting their state, and know the best places to take hunters looking for just about any kind of hunting experience. Their own hunting abilities help them to relate to you, and you will find that a hunting guide is the kind of person that you can really get along with, and their knowledge of the land is second to none.

A Missouri hunting guide is a great hire for any kind of hunting outing, whether it is your first time hunting waterfowl or whether you are terrifically experienced and just need to know where to go for the best experience in the state. You certainly won’t be let down as your guide takes you to the best locations and helps you make this hunting trip one that you will never forget. For the best quality hunting trip you can have, a local guide is your best answer.

Jon Eaton - a local Missouri based waterfowl guide and outfitting service including information and resources relating to http://www.showmesnowgeese.com.Money Conversion From American To Amsterdam
Chihuahua Rescue West Palm Beach Florida
New York Individual Health Insurance
So Hard By Ciara
Chloe Jones Free
White Gold Nautical Pendants
Association Consultant Investment Management
Extreme Sports Posters
Real Estate Investing Tips
10k White Gold Diamond 0

A large portion of people on the internet use google adsense, yahoo! publisher network or other types of pay per click advertising companies to make a passive income. So - if you are making an income from these types of ads, you need to make sure that they have maximum effect - which means - the right placement, the right format, and the right number.

Placement of Ads The first thing involved, to make sure your ads have that regular visitors, is placing them in the right place.

Now this does depend on the type of website, but in general, it has been found that more people will look at ads that are placed just at the top of the centre of the page. This is because, it has been found that this is where our eyes are automatically drawn to.

On the Google adsense Help Centre, they have drawn up a "heat map", which shows where (in general) you are more likely to have success with your ads. The darker orange is the most successful placement for ads, and the white is the least successful section.

A lot of people with blogs will place the ads in their righthand sidebars. If you look on the map you will see that this is the place that people are least likely to look at. If you are writing a blog, the best place would appear to be just above the post. Although - people have also found as much success by having ads directly beneath the post as well. That way... people finish reading the article, and their eyes automatically carry on to your ads.

Formatting Your AdsIt has been found that people like ads that look similar to the website itself - this is due to becoming "ad blind", and not paying attention to anything that looks like an ad (a bit like muting the ads on TV, our minds tend to "mute" information that may not be important, and after a while we do not see the ads - even if they are of interest to us).

So... this means using the same colour, the same font, and the same text size, will generally get more visitors that ads that are strikingly different. You are not trying to deceive your visitors, into thinking that the ad is a part of the text - you are trying to combat "ad blindness", and show them ads that may actually appeal to them.However. This does not always work. In places like forums, where people are focused on the topic on hand, they do not tend to pay attention to the ads, regardless of whether they look different or the same. Some forums have been rather successful at using completely contrasting colours - so that the ads are "in your face" and stand out. Whether you blend ads, or make them contrasting really depends on your type of website or blog. You need to play around and find what works for you. It can be the difference between a 1% click through rate, and a 10% click through rate - so is certainly worth the work and effort.

Right Number of AdsThe biggest mistake that people make, are placing more ads than necessary on their websites or blogs. Taking google adsense as an example - just because you are allowed to have 3 ads, and an ad block it doesn't mean that you should.

Sometimes if you have more ads than necessary, it will force people to leave your page, because they can not be bothered looking at all of the ads. You will also get paid less per click, with more ads on the 1 page - as they are all creating impressions, and lowering your click through rate.The rule is - keep your ads to the absolute minimum - so that your visitors don't feel like they have just walked into a giant billboard. If you follow these tips, and play around with your own website, you are sure to see an increase in visitors to your ads. The most important thing to take from this post, is that websites (like people) are all different. They attract different visitors, and all contain different information. You need to experiment - just because it works most of the time, it doesn't mean it is the best for your website. If people didn't experiment in this world - we'd still be cooking over a flame....Shirlene MooreIf You Want to Make Money Online Start Reading the If Ya Want To Make Money Working from Home Blog

Application Card Green Lottery Us
Free Lady Naked Old
Cocktails Sex On The Beach
Ca Code Mountain View Zip
Coastal Maine Real Estate Listings
Bose Car Stereo Wiring Diagram
Shingles Herpes
Blue Cascade Guide Hiking Mountain Ridge
Maryland Flag
Canadian Christmas Music Lyrics
Naked Male Wrestlers
50 American Eagle 1 Oz Gold Bullion Coin Us Mint
Easy Credit Cards To Get
Pmi Insurance
Getdata