#home loans affordability calculator

[auspakhomeloan]

Home Loans Affordability Calculator - Auspak Home Loans 🏡💻

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[here-comes-the-moose]

When I’m writing my Modern AU but then try to figure out and calculate how the life I gave the Batch is financially possible:

[caronphone]

Audi A3

The Audi A3 is one of the top-rank compact luxury cars that buyers have always admired for its stylish and muscular look. With a well-deserved reputation for sharp handling and generous use of high technology, it is pleasant to drive. The inside of the Audi A3 is comfortable with great quality material used and the car has high fuel efficiency making it suitable for those who love classy cars.

[myperfectmortgage]

Discover the power of smart financial planning with our Mortgage Refinance Calculator. This comprehensive guide walks you through the intricacies of mortgage refinancing, helping you make informed decisions about your home loan. Use our advanced calculator to analyze potential savings, compare interest rates, and determine the most favorable terms for your mortgage refinance. Empower yourself with the tools you need to unlock financial freedom and secure a brighter future for your home investment. Start your journey towards a more affordable mortgage today

[moderncalculators]

Home Loan Affordability Calculator – Affordability Calculator House – Affordability Calculator Home Loan

There are many different factors that go into determining how much house you can afford, from your income to your debt-to-income ratio to your credit score. Using a home loan affordability calculator can be a helpful tool in determining what you can realistically afford when it comes to purchasing a home.

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One important thing to keep in mind is that just because you're able to afford a certain amount of house based on a calculator doesn't necessarily mean it's the right decision for you. It's important to consider other factors, such as your future financial goals and any unexpected expenses that may arise.

Overall, using an affordability calculator can be a helpful starting point when it comes to figuring out what you can realistically afford in terms of a home loan. However, it's important to do your research and consider all factors before making a final decision.

[youraverageaemondsimp]

“Be Quiet.” // DILF!Aemond Targaryen x Babysitter!Reader // PART ONE.

THANK YOU SO MUCH FOR 500 FOLLOWERS! (+200 now) so here is the awaited fic, celebrating a milestone <3 based on this poll, dilf aemond won at the end haha 💞

MDNI

WARNINGS: unprotected p in v sex, dubcon(?), oral (both f and m.), blowjob, cum eating, cum play(?), breeding kink, multiple orgasms, age gap (9ish years), DILF aemond, single father aemond, power imbalance(?), throat fucking, cunnilingus, lots and lots of kissing, + not proofread

WC: 7.1k (yeah...)

« part two // 🎄 special »

Getting fired from your job while trying to pay rent and gathering tuition fees isn't exactly ideal, you wanted to pursue a bachelor's degree after high school, but you didn't have enough money, coming from a family that was barely held by, nor were you eligible to apply for student because there were legal issues.

You moved out of your parents not wanting to financially burden them anymore, renting a decent apartment with just enough space for you to call it a 'home' you've been working for the past 2 years, a decent paying job but it was enough to get by and save up on the fees too, everything seemed to be going perfect until you suddenly got fired and your landlord decided to increase the rent.

You knew you'd have to cut into your savings to pay rent now, but you didn't want that, you halfway there to your goal, you were expected to get promoted and get higher pay, you calculated it, that it would only take one more year for you get enough amount to pay for the first few sems, and then maybe you'll be able to apply for a student loan by then.

But fate had different plans, and here you were on your couch scrolling through multiple apps to find any type of job, extremely desperate.

And that's when you saw it.

“Babysitter needed.” you thought how perfect of a job it would be considering the degree you wanted to so badly was based in psychology, child psychology specifically, and interacting with kids will probably give you some type of experience?

You quickly clicked on it and found the contact number, and decided to call it, you bit your lips nervously hoping they'd pick up.

“Hello?” you heard a cool voice say which sent shivers down your spine.

“Hello- yes uhm, Hi! I am calling because I saw the post on the app that said you needed a babysitter for hire?” you stumble over your words and mentally facepalm yourself for it.

“Yes, indeed. Are you interested in applying?” he asks and you quickly reply with a yes.

“Do you have any prior experience?” he asks and you reply with a quick yes, you've babysat a few kids throughout your highschool era for quick cash, as a way to not rely on your parents for menial things.

“Mhm alright, I don't want to bring your hopes up by saying you got a job, I'd like to have a personal interview first, if you do not mind.” he says and you say, thanking him and he hangs up the call.

You were fucking shaking.

It felt like applying for the first job of your life all again, the nervousness, the anxiety, the everything.

Aemond had saved your phone number and sent it to his assistant, Floris, asking her to run a background check on you, and to see if you had any criminal background, he read your name on the file that got delivered to him, sipping on his coffee while he scanned through your details.

You just turned 21, recently.

‘So young’ he thought, ‘Let me guess, she's probably looking for jobs in order to afford education.’ he guessed and he was exactly on the money with that one.

He wasn't that old himself, barely 30

He inherited his father's business at just age 23, being the only one capable of handling such pressure, his elder siblings couldn't stand a chance against him, and since then, he's maintained the Targaryen name perfectly.

He remembers falling in love with a woman older than him, he was 24, she attended one of the business parties he dreaded going to, Alys rivers was her name, they dated for 2 years before deciding to pace things up and get engaged since everything was going perfect for both of them.

Until Alys got pregnant, Aemond was overjoyed when he heard that news, but he didn't know that the child would suck the life out of her.

She died giving birth to their son, and he was devastated, being heart broken by her death, however he never once blamed his child, it was their choice to birth him, and it failed miserably.

But 3 years had passed since her death and he had moved on from her death, ready to love once again, yet it was extremely hard to find someone that wasn't after his money.

He knew he couldn't just live in the misery of heartbreak, and Alys would've wanted him to move on too.

His son, Aenys, recently turned 3 too, he inherited Aemond's purple eyes and silver blonde hair, typical targ features, but he saw how the softness of his nose, sharpness of his eyes resembled his mother.

But back to you at hand, he went through all your papers deeming you fit for the interview, he called a day later telling you the address where the interview would be held, his office.

Yes, his fucking office, as if you were applying for a job at his company, he justified it by saying that you were technically his employee.

When you got out of the taxi and looked at the company in front of you, it finally clicked in your brain that your employee was none other than Aemond Targaryen, and it only made your anxiety worse.

You went to the receptionist and told her your name, and she typed it in, giving you a small smile, telling you that you were exactly on time. She called his office to tell you that you were here and led you to his office. You looked around and noticed how big this company was, a bunch of employees working in their cubicles, typing away.

“Mr. Targaryen?” she called out and you heard a small ‘come in.’ Before stepping inside and pushing the door open for you to enter, you did and she stepped outside, closing it gently behind you, leaving you alone in the room with the man.

Aemond hadn't looked up from his files until the door closed, and when he did, he felt his breath caught in his throat.

“You may sit.” he says and you nod, sitting across him on the opposite side of the table, you felt so small under his gaze, it was so intimidating but you put up with it.

He began the interview by asking questions about yourself, and all relevant things, but there was one question that caught you off guard.

“Do you have a boyfriend?” he asks and you furrow your brows, “Excuse me?” you question, noticing how odd of a question it is.

“Don't get me wrong, the previous babysitter had one, and she used to bring him to the apartment and…” he cleared his throat and you immediately caught on to what he was implying, “Oh! No! I do not have one, and even if I did I would not do that!” you reassure him and he gives you a nod.

He was fucking lying.

But you didn't know that.

The previous babysitter was an old lady, who Aenys liked a lot, but sadly she had to leave the city.

“I hope you know that you're expected to work full time? I leave for the office at 9AM and return back at 7PM, and you'll need to be ready to work those long hours, and sometimes I might not even return till late at night if there is extra work.” he says and you nod, and before the question can leave your mouth he cuts you off.

“Do not worry, you'll be paid for those extra hours.” he confirms and you nod smiling at him.

And then came your terms, which he agreed to, he made you sign a one year contract, and you did it without hesitation.

Frankly the pay was so high you would barely need to work 6 months to reach the full amount, but you still did an extra 6 months considering how having extra money at hand doesn't hurt.

And with a handshake, he accepted you.

You were practically going to spend most of your awake time with the kid, it sounds hectic but the pay was too good to pass up on, I mean, $80 per hour? fuck yes, you'd be having around $230k by the end of the contract. Aemond was filthy rich.

It was finally your day to go to his house and you already knew it was going to be big, but you were still shocked when you arrived to the destination, it was a 20 minute drive from your house, and it was located in the richest neighbourhood to exist in the city, you felt embarrassed getting out of your taxi at an area where everyone probably had their own cars, heck, a collection of them even, but you paid the fare and the guard got up to question you, you told him and he quickly nodded before letting you inside.

It was early in the morning, you came quickly so Aemond could show you around the house and introduce you to his kid, you stood there nervously as you rang the doorbell, Aemond had checked through the security camera before the door opened, revealing the house interior.

You quickly stepped in and he closed the door behind you. You expected him to have maids and a bunch of staff, but you were surprised when you found none. No wonder he asked if you can cook, you'd probably be doing all the work here besides the cleaning.

“Aenys is in his playroom, let me take you there.” he says cooly and you follow him, taking in your surroundings.

He opens the door to the playroom and you immediately find a kid, who you assumed to be older than 2, playing with his dragon toys, making rawr sounds, and yelling the word ‘dracarys.’ you smiled at the cuteness.

Aemond cleared his throat which caught the attention of Aenys and he smiled brightly before he jumped in his arms, “Papa!” he yelled, before he turned his attention to you and looked at his father in question

“Hey aeny, do you know how the previous babysitter had to leave town?” he asks gently and Aenys nods, “And papa needs to be away for work top right? So I got you a new babysitter who will take care of you.” he points towards you, explaining and Aenys looks at you tilting his head slightly

“Hey, Aenys.” you give him a small, waving your hand, he shyly waves back before he hides his face his fathers chest, you chuckle at the cuteness.

“I'll go give her a house tour okay? And then I will visit you once again before I leave, have fun darling.” He says and puts his son down, and Aenys looks at you once again, inspecting you, observing you, you smile at him once again, and this time he gives you a shy smile.

Aemond leaves the room and you wave a quick temporary goodbye to Aenys and follow him.

“Aenys, doesn't have a mother, or at least he had to grow up without one” Aemond randomly begins and you look at him confused. “My fiancee-” he sighs before halting his footsteps, “She- she had died while giving birth to him.” you watch as he takes deep breaths, “It's okay if you don't want to talk about it now, we have a lot of time anyway, just open up to me when you are ready, sir.” you tell him and he looks at you, giving you a nod and resumes the house tour.

It was fucking big.

Just like he said, he visited his son once more before leaving for work and the entire day you spent it with Aenys, getting to know him, observing his behaviour.

You noted that he was extremely shy at first but then he eventually warmed up to you, he still had his guard up of course since you were fairly new and a stranger in his life, you introduced yourself and he did the same.

He showed you all his toy collections, which you were genuinely fascinated by, he had so many dragon figurines and remembered each one by their name, his favourite was vhagar.

“It waass papa's once, when he was jus like mee.” he babbled cutely, the way he pronounced the words were so cute too, you swear you could die at it.

“Vhagar belonged to your papa?” you felt awkward saying the word papa, but you knew you had to considering that it was the term Aenys was used to, he nodded, smiling.

“Yesh! He gwave it to meh.” he says and you smile.

Aenys had quite a developed vocabulary for his age, though he pronunciation was a bit off, but you knew it would improve with time.

And just like that, you and Aenys grew close, he was always cheery to see you, you cooked and looked after him, feeding him vegetables in a way he would enjoy, and Aemond was surprised when he found out, considering Aenys refused to eat vegetables.

You put Aenys to sleep one day, singing him a lullaby and caressing his hair as he fell asleep in his bed, he watched you with big doe eyes, which were slowly beginning to get droopy as sleep overcame him. He closed his eyes and his brows were relaxed. You sat there for a while, watching him sleep, and you look at the time, 8PM, Aemond was running late, but you didn't mind, by the time he usually fell asleep, Aemond would've been there, listening to you sing to his son and when he finally fell asleep, you would leave, politely saying goodbye to Aemond, but this time you had stayed, since Aemond was late.

You noticed how Aenys eyebrows furrowed before you saw tears coat his eyelashes

“Mam… mama… I want mama...” he mumbled in his sleep and you swear you felt your heart wrench at that, then you heard small sniffles.

He was crying in his sleep.

Is this what usually happens after you leave? You felt extremely sad, you remember how Aemond had told you that Aenys grew up without a mother, how she had died during childbirth. You never really thought about it much but you realised how tough it must've been for Aenys, then suddenly you remembered all the times you played together or watched cartoons, how he would say the word "mother" longingly when he was referring to a mom dragon, or how he stared in a daze when a cartoon showed a mom taking care of his child.

He was beginning to notice an absence of a parental figure in his life.

You were snapped out of your thoughts by the sniffling getting louder, and Aenys was beginning to borderline cry out, you quickly picked him up and carried him, pacing around the room gently as you patted his back, his hand clung tightly onto the sleeve of your arm and he rested his cheek on your shoulder.

“Shhh, Aenys, it's okay.” you try consoling him but he kept repeating the words 'I want mama, mama.' in his sleep over and over again.

Not knowing what to do, you began to feel bad, so you did what you thought was the best.

“Aenys, Mama is here, it's okay hush now..” you coo gently into his ear and that's when he finally stops sniffling, 'mama?' he mumbles and you hum, “Yes, it's mama, do not cry anymore okay? Mama is here.” you caress his hair and he finally relaxes, you were so entranced in comforting him that your brain managed to ignore the presence of Aemond himself, who had arrived when you picked him up and paced around in a panic, he was going to interfere but then he heard you say those words.

You stopped dead in your tracks when you noticed him, heat climbing up your face as you realised he probably heard everything and also you were stricken with fear too cause you likely overstepped.

You gently placed Aenys down on the bed and got out of his room, anxiety coursing through your veins as you realised what you had done

But you were only trying to comfort him.

Aemond soon followed you out the room as well and you turned around to face him when he closed the door.

“I apologize— I'm so sorry—” you began.

“Don't. It's fine, I can understand why you did that.” he cuts you off, and you wince.

“He- he's been noticing.” you began and Aemond nodded, “I've noticed too.” he replies and sighs.

“Aenys has changed a lot since you've started babysitting him in a good way , and I've noticed it, he's becoming more and more aware of the world around him.” He moves to the living room, sitting on the couch and you do the same, sitting on the one opposite to him.

“I've made sure that he never felt a lack of anything in his life, but I guess it's only natural for a person to desire something he can't have.” he says.

“Aenys can have a mother, if you remarry, that void will be fulfilled somewhat.” you suggest and he looks at before chuckling “I've thought of that too, my mother said the same thing, but i cannot trust anyone, especially considering how many are after my money, who knows if they'll be kind to him, or whether Aenys will like them or not.” he sighs.

“That is true.” you agree with him and he looks at you.

“Unless… ” he begins, eye scanning your entire being and you look at him, your heartbeat quickening, just as he was about to say something, your phone rings and it cuts off the trance-like state you were in, and you look at it to see who it is.

It was a spam call.

But then your eyes bulge out of your sockets when you look at the time, “Holy shit it's late, I'm sorry sir but i have to leave now, or else it will be too dangerous.” you say and quickly apologise and he nods, dismissing you. That was the first night, sleep came to Aenys peacefully.

But it didn't to Aemond, he was lost in thought about everything, but then his mind wandered off to somewhere it shouldn't go.

The way you comforted Aenys stirred something inside you, the moment was perfect, you cooing in Aenys' ear that you were here, pretending to be his mother.

It was so perfect.

Almost as if you were made for that.

Aemond felt his heart flutter.

For the first time in years.

He couldn't help but accept the pull he felt towards you.

Aenys doesn't seem to remember the incident, probably cause he was literally just sleep talking so it was left at that, but you and Aemond however grew a bit close after that incident, he came back home early as he can, so he could spend time with his son and you, he was subconsciously trying to get his son used to both of them being around, both present in his life as parental figures.

You obviously weren't able to leave early just because he got home early because those were your mandatory hours, so it became your new normal to spend time with him and Aenys.

You couldn't deny that there was something definitely blooming in between you and Aemond, he would often throw appreciative comments in your way, which made your belly pool up with heat.

You noticed how he wanted to stay by your side, physical touch lingering, he had suggested that you 3 should go grocery shopping, and you found it odd considering he could literally order his clients to fetch them for him, but you agreed anyways, using it as a chance to get outside and let Aenys interact with other people. Aemond was heavily against sending him to the daycare, because he was scared for his son, it was understandable but it also set Aenys behind a bit.

“Mama, I want this!” you hear a kid yell at his mom and you watch as she refuses it gently, telling him no and that she will buy him the next time they come back here, and the kid just pouted, you chuckled at the sight.

You turned your attention to Aenys who was staring at the scene too, and you realised how he was in a daze once again as well, you looked at Aemond who also seemed to notice.

Aenys quickly ran in another direction and you panicked and almost ran after him before he was back in front of you again, grabbing the same toy the other child had grabbed earlier and showing it to you. “Ma-” he cut himself short before pushing the toy to show you “I want this!” he says and Aemond was confused at first and he was about to agree to buy that toy for Aenys until you butted in, “No Aenys, we can't buy it right now! We'll buy it next time when we come back here okay?” you say and he smiles sheepishly at you, before pretending to pout and put the toy back in a random shelf.

You chuckled at the childishness, he just wanted to feel the same type of experience that others do. Aemond knew it was just you both playing around, he didn't miss the way Aenys almost called you his mother, and it spurred him on further, the way you acted as a genuine mother.

Those type of random moments became often, and it pushed Aemond further and further to the edge, the way you would act like such a perfect mom made him want to bend you over any surface and fuck you, filling you up with his cum.

Aemond then suddenly started joining for lunch, he would usually eat at his office, but he made extra effort to drive home so he could eat with his 'family.' He loved your cooking, you made it taste like home, he would watch as you cut smaller pieces of fruits and vegetables for Aenys so he could properly chew and eat. He imagined how perfect you would be as his wife and like an official mother to his child, or better, children, all of these small things were pushing him to the edge

And soon it would push him off it.

Aemond cursed himself when he drove through the rain, already running late, he looked at his watch and read the time, it was 10PM, the meeting in the afternoon stretched over two hours long which set back the rest of his schedule by a lot, he quickly parked his hair before making his way inside his house, open the door with the extra key carried before shutting it close.

“Look Aenys! Dada's here.” he heard you say and he was immediately spun around, he didn't expect you to stick around this long, but then he realised it was raining heavily and you always went by taxi, there probably would've been no taxi available in this weather.

“Aenys didn't go to sleep yet?” he asks, undoing the suit he was wearing before throwing it on the couch, approaching both of you, taking Aenys into his arms.

“He wanted to wait until you got home, he was worried for you, though he seems tired hmm.” you pinch his nose playfully and he scrunches it up, “I'm not twired…” he says but then yawns earning a chuckle from both you and Aemond.

“I'll put him to sleep, you go freshen up.” you say and Aemond nods, giving him back to you.

Fuck everything about that interaction felt too domestic.

And Aemond had lost his resolve.

He found you sitting on the couch, scrolling through something, he sat down next to you.

“What are you doing?” he asks and you look at him, “Trying to book cabs, but there are none available at the moment due to the weather.” you sigh before placing your phone down.

Aemond should've offered to drive you home but instead he offered to let you stay.

“You know you can stay over, I do not mind it.” he says and you look at him “Really? I don't wanna be a bother—”

“Oh please, you are never a bother.” he cuts you off and smiles at you. “You should freshen up for the night, you've been here since morning.” he says but you pout. “I do not have any clothes.” you say and he simply shrugs, “You can wear mine.” he pushes the buttons, wondering how far he can get away with it, he knew offering you to let you stay at his house already broke the employee boss relationship, hell, the moment he desired you was when it already broke.

“Mhm okay! Where is the guest bathroom?” you ask and he shakes his head, “The water heater is broken in that one, it's better if you use the attached bathroom in my room.” he says.

The water heater wasn't broken.

He was lying.

And you believed him.

He watched as you got up and made your way to his room, which was right next to Aenys', considering he has to react if something happens to him, he followed you inside opening the cupboards and giving you his hoodie and fresh pair of boxers which you thanked him for.

He left the room to give you privacy, but oh gods his mind was racing with all the thoughts.

He paced around, trying to contain himself, and he stood there in front of the door.

And then you opened it.

His hoodie reached to your thighs, and you looked at him, shocked to find him in front of the door, lips parted.

He snapped.

He quickly pushed you inside and shut the door behind you, slamming his lips against yours, and kissed you fervent hunger, you stumbled back and you almost fell but he caught you by your waist and pushed deeper into the kiss, moving his lips hungrily against your.

He pulls away, silently giving you a way out if you need it.

You should refuse this.

You should push him away.

But you don't, instead you wrap your arms around him and pull him into a deeper kiss, he groans when he feels you kiss him back, he pulls away once again, before grabbing you by your arm and pushing you onto the bed, making you fall on your back, your hoodie rising up, revealing your stomach, which he kissed lovingly before he pulled the hoodie even more further up, exposing your tits and pressing kisses to the nipples, causing you to gasp.

He pulls the hoodie off of you completely, and you raise your hands to assist him, he pulls off his shirt too, exposing his naked chest, and you bite your lip at the view, next he takes the boxes off you, doing the same, leaving you both completely bare to the room.

He pushes you upwards to the bed and crawls on top of you, kissing your face, neck, collar bones and valley between your breasts, his hands grab the flesh of your tits before he kneads them, massaging them, thumbs flicking the nipples making you arch your back.

One of his hands trails down to your core, dipping into the heat, he outright moans when he finds you practically leaking, collecting the arousal and bringing it upwards your bud. Rubbing small circles which makes you gasp.

He pulls his hand away and brings it up to lick at the wetness that has accumulated on the fingers, humming in satisfaction before he pressed kisses which travelled downwards until his mouth stopped right at your core, giving a small kiss to it to, you shivered when you felt his hot breath against it, the way the air he exhaled would hit your clit. He kissed the inner part of your thighs first, making you needy with want, wishing he'd just take you into his mouth.

And then he does, his tongue strides upwards from your opening to your clit, giving you one long lick before he captures your clit with his mouth, suckling on it, causing you moan his name loudly, both of his hands wrap around your thighs and he pulls them further apart, his fingers digging into the flesh as he hungrily devours your cunt, tongue flicking the bud constantly, you grip his hair and buck your hips, practically rutting against his face, you felt his tongue travelling down and lick at the wetness, the tip of his nose pushing against your clit, you felt your core tighten as the movement of his tongue sped up, causing you to topple over the edge and your orgasm hit you like a truck, making you whine loudly.

He greedily licked everything up before he placed wet kisses on your thighs, the residue of your wetness sticking to them before he sat back on his knees between your parted legs, you watched as he got up slightly, making his cock come into view.

Your eyes widened slightly, which didn't go unnoticed by Aemond, this stroked his ego very much.

He was big, bigger than any you've seen before, it was pale with a tip that was flushed pink due to the blood pumping, oozing precum out of it, he pumped his cock in his hand to ease the area, coating his dick in his own precum before he positioned it against your entrance, you bit your lip in anticipation but then you felt him slide against your folds, covering his dick in your wetness as well before slapping your clit with the tip of his dick, making you whimper.

He then lined himself against your entrance and pushed in, and you arched your back at the stretch, it was so delicious, you felt so full.

He leaned on top of you and gave you a passionate kiss, you could taste yourself on his tongue, making you taste the tanginess, he supported his weight on his elbows which were on either side of you, gripping yours, fingers intertwined with yours. You were locked in a missionary position, a position that felt intimate.

Then you felt him move, thrusting in and out at a brutal speed, causing you to moan his name, the thrusts made you jolt up the bed, breasts bouncing due to the force emitted from it, his grip tightening as he grunted on top of you, rutting into your wet heat, his hair dropped his shoulders, cascading around his face, and you gasped at how godly his looked like this.

Then you felt his tip hit your gspot, constantly, which caused you moan extremely loudly, “Fuckk! Ahh~ Aemond!” you mewled, closing your eyes and throwing your head back, his hand left one of yours to cover your mouth as he continuously slammed into you.

“Shh, be quiet, or he'll wake up.” he whispers, referring to Aenys who was sleeping in the next room and you nodded, you felt him pull his hand away but his thumb traced your lips, you opened your mouth which made him put his thumb inside and you sucked on him, and you felt him groan, then he pulled it out, hand going back to grip yours, and you bit your lip to hold back your moans from slipping out.

You felt your core begin to tighten again and it snapped once more, causing you to arch you back, pushing your breasts against his chest and he muttered 'fuck' feeling the way you clenched around him.

His thrusts begin to grow sloppy and lose their rhythm, indicating that he was close, “Fuckk, I'm gonna cum inside you.” he says and you whine, “I'm going to get you pregnant, watch you grow round with my kid…” he growls, thrusting into you again and again, “You're going to give Aenys little siblings, You will, right? He looked so lonely, I think he'd appreciate that.” he grunts and you nod quickly, mind too hazy to even comprehend or acknowledge the complications behind you agreeing to this.

“Good girl.” he says before he finishes inside you, and paints your walls white, shooting up his seed far into you, riding his orgasm out.

You felt him pull out and thought that was the end until he pushed you over onto your back, and sat on his knees, he grabbed your waist and pulled it up, and you immediately switched to supporting your on your knees as you arched your back, stretching like a cat, your hands on the side of you.

He groaned when he watched his cum drip down your thighs before he scooped it up and put it in his mouth, tasting your combined essence.

He was still hard.

So he wasted no time, shoving himself back inside you and you whined at the way your walls felt overstimulated, not knowing if you can handle one more orgasm consistently.

He sheathed himself inside your walls, and moved with fervent speed like before, his balls slapping against your thighs, the room was filled with erotic noises, he gripped your waist for support, until his hand travelled slightly upwards, catching one of your tits before gripping it tightly, and rolling the nipple in between his fingers.

“I can't wait to watch them swell.” he grunts.

“You'd look so pretty with my child in your belly, the way your tummy will swell? Gods fuck, that is a vision.” he moans

“Look at you, taking my cock so well, like you are meant to.” he notes, thrusting in and out, watching as the previous cum leaks out.

He clicks his tongue

“So much is going to waste, tsk, it's okay I'll fill you up again, make sure you get pregnant.” he groans and you moan, “Ye-yes fill me up.” you say, and he smirks at that, “Good girl, taking my cock like one.” he leans against you, your back pressing to his chest as he leaves kisses on the back of your neck, and you once again, topple over the edge for the third time.

He finishes too, inside you again.

You both fall besides each other on the bed, and realise the weight of the situation after the adrenaline and excitement of the moment fades away and the breathing becomes more stable.

“I- fuck.” Aemond begins not knowing what to say and you lay there quietly.

“Listen, ever since that day you walked in, I felt some type of pull towards you, I wasn't sure what it was, but it was as if we were meant to me, and I couldn't ignore the feelings brewing inside me.” you watch as he speaks.

“I- to put it in simple words, I fell in love with you. I really did, though it's fine if you do not share the same feelings, we can go back to pretending this never happened.” he confesses.

“I am in love with you too.” you confess, “I pushed these feelings away, because it wasn't appropriate.” you say and he looks at you this time.

Silence falls between you two.

A comfortable silence.

He pulls you closer and wraps his arms around you, hugging you, and you hug him back, the he places loving kisses atop you.

You felt something hard pressing against your inner thighs and you looked down, shocked to find him hard again, you chuckle.

“Again?” you tease and he playfully glares at you, “Yeah, you're so fucking irresistible.” he kisses your neck, hips mindlessly grinding against you. “I'm so sensitive.” you pout, but you get an idea, you quickly push him onto his back before getting on top of him, and then crawling down in between his legs, before taking his cock in your hand.

“Fuck!” he moans when he feels your warm hand wrap around it, before you gently tug on it, pumping your hand up and down, watching as the precum leaks out, you collect some with your tongue, poking the slight hole making him groan and grip the side of your head.

You trail kisses down to his balls, before giving them wet kisses as your hand pumps his cock, you lick a long stride up his length before taking him in your mouth, as best as you can, hands resting on his thighs to balance yourself.

You bob your head up and down, swirling the the tongue around him, pulling away time to time to breath before descending onto him once again, the grip on the side of your head tightened and you watched as he sat up slightly leaning on his elbow, before his hips thrusted upwards, and so you let him take control.

He collected your hair into a makeshift pony before gripping the back of your head tightly and thrusting his entire length into your mouth, the tip teaching the back of your throat, making you gag slightly, causing tears to well up in your eyes, you closed them and tried to breathe through your nose as he thrusted upwards and fast, essentially fucking your throat.

You felt him twitch slightly in your mouth, knowing he was close, you sucked him and hollowed your cheeks, he threw his head back at that, he felt steady pleasure rising within him before such a force expelled from his body, causing him to peak, shooting out ropes and ropes after cum into your mouth, you felt it hit the back of your throat, causing you to swallow unknowingly, before he slightly pulled out, cause the remaining to fall in your mouth.

He pulled out completely and watched your face, flushed and hair dishevelled, you held his cum in your mouth, waiting for his command, “Swallow.” and you did, obeying him, opening your mouth to show that there was none left, he groaned as he watched the remnants of his seed drip from the side of your mouth before he collected it with his index finger and shoved it back into your mouth, and you click his finger clean, he grunted before you upwards and kissing you, tasting himself in your mouth, hands squeezing your ass before he gave one of them light slaps, causing you to wince.

You pulled away and breathed heavily, he smiled down at you, before he left the bed to clean both of you up, collecting the clothes and getting dressed before he pulled beside him in the bed, going to sleep while hugging your form.

You dreaded the next morning, wondering how you'll explain your relationship to Aenys, you woke up to an empty bed, you read the time, it's was just 8AM, you felt sad but then you quickly got up and went outside finding Aemond and Aenys awake, sitting at the table conversing, your heart warmed at the sight, Aenys spotted you and ran over to you, lifting his arms up, asking you to silently to carry him, and you did, you picked him up before placing a small kiss to his forehead.

“Mama!” he said and you froze, before you looked at Aemond, who gave you a small smile and nodded and your eyes softened at it, it seems he had done the explaining.

“Mama! Mama!” Aenys grabbed your face making you look at him and you chuckled, “Yes Aenys, it's mama.” you say and he smiles brightly.

“I'll go get ready for work.” Aemond says, getting up from the spot he was sitting on and coming over to both of you before he pressed a kiss to Aenys forehead, and doing the same to you and going inside his room and getting ready.

You put Aenys down on his chair and went to the kitchen to prepare breakfast, you made simple eggs on toast, and just on the time, Aemond came out of his room, looking all ready and you placed three plates down, along with fruits cut into small pieces of Aenys.

“I made breakfast.” you say and Aemond smiles at you, before sitting down and the three of you ate breakfast.

Applying for this job was the best thing you've ever done.

Who knew your life would change the course of it in the span of just a few months.

There were other things to discuss, and you knew it was plaguing Aemond's mind as well, but you both decided it will be best if discussed later and so you both basked in this moment, listening to Aenys babbles.

“So i hwave a mom now rightt?” he asks Aemond who nods, “Are you happy?” he asks and Aenys nods quickly, “Yesh! Aenys is wery hwappy! But…” he trails off and you feel your heartbeat quicken.

“I want a sibling too…” he murmurs

Oh gods.

Your eyes flickered over to Aemond who stared at you, you blush and look away as you remembered the details of last night.

“I wwant a swister… ! or a bwother!!! Hmm any is fine…” he babbles on, not knowing what he is asking for.

You look at Aemond again, who didn't seem to take his eye off you at all.

He smirks.

Oh fuck.

You quickly get up and collect the empty plates before going behind the kitchen counter and placing them in the sink, washing your hands, focusing your attention on them, until you felt arms wrapped around your waist before one trailed upwards towards your breast giving it squeeze, you quickly looked up to see Aenys was watching until you realised he was nowhere to be seen.

“He's in his playroom.” Aemond whispered in your ear, grinding slowly against your ass.

“Heard that? He wants a sibling so badly, surely you can't deny him right?” he asks, pinching your nipples through the fabric causing you to gasp.

He places kisses down your neck, before he spins you around and kisses you on the mouth, making you wrap your arms around his shoulder. He pulls away before kissing you on the cheek.

His phone rings and he notices the time, 9:15AM, he was running late which was the first for him, and it was his assistant calling him.

“Fuck, mood spoiler.” he grunts before shoving his phone back in his pocket before placing a kiss to your mouth once again.

“Don't think I'm done with you yet, it's gonna be one hell of a ride when I get back home.” he presses one final kiss to your neck before pulling himself away from you, granted it was so fucking difficult considering how he wanted to fuck you on the kitchen counter just moments ago.

You nod and follow him to the front door.

“Have a nice day, Aemond.” you say, and he smiles at you, coming to kiss you but then Aenys comes running towards you both.

“Is dada going to work?? BYE DADAAA” he screams and Aemond chuckles, before waving a small 'bye' to Aenys, and leaving from the front door.

He barely left and he already couldn't wait to get back home from work.

And you gulped, nervous in anticipation.

Oh seven hells.

———

[bitchesgetriches]

Kill Your Debt Faster With the Death by a Thousand Cuts Technique

If you’ve got credit card debt, the interest is calculated on the “average daily balance.” So it’s beneficial to lower that balance as quickly as possible. And you can only lower the balance by making a payment… or payments.

The sooner you send a dollar to that debt, the less interest you’ll end up paying! It’s that simple!

Even if you can only afford the minimum required payment every month, splitting it into two payments helps. That can drastically reduce the average daily balance, and thus, the interest you have to pay. So making half of your monthly payment on the 15th of the month and the other half on the 30th (don’t @ me, February) can effectively save you money on interest. This goes for credit card debt as well as home mortgages and car loans.

Keep reading.

Did we just help you out? Join our Patreon!

[dubairealestate24]

Common Mistakes to Avoid When Applying for a Home Loan in UAE

Applying for a home loan in the UAE can be a complex process, and avoiding common mistakes can help you secure the best terms and conditions. This guide highlights common pitfalls to avoid when applying for a home loan in the UAE.

Understanding Home Loans

Home loans, or mortgages, come in various forms, including fixed-rate, variable-rate, and Islamic mortgages. Each type has its benefits and considerations.

Fixed-Rate Mortgages: These loans have a fixed interest rate for a specified period, providing stability in monthly payments.

Variable-Rate Mortgages: The interest rate fluctuates based on market conditions, which can lead to lower initial rates but potential increases over time.

Islamic Mortgages: Compliant with Sharia law, these mortgages involve profit-sharing rather than interest payments.

For detailed information on home loans, visit home loan dubai.

Common Mistakes to Avoid

Not Shopping Around: Failing to compare different lenders and loan products can result in higher costs and less favorable terms.

Overlooking Fees: Be aware of all fees and charges associated with the loan to avoid unexpected expenses.

Ignoring Pre-Approval: Getting pre-approved helps streamline the home search and strengthens your bargaining position.

Taking on New Debt: Avoid taking on new debt during the loan process, as it can affect your financial profile and loan approval.

Not Understanding Loan Terms: Ensure you understand all terms and conditions of the loan, including interest rates, repayment terms, and early repayment penalties.

For property purchases, explore Buy Luxury Property in UAE.

Steps to Securing a Home Loan

Assess Your Financial Situation: Begin by evaluating your financial health. Calculate your income, expenses, and savings to determine how much you can afford.

Improve Your Credit Score: A high credit score improves your chances of loan approval and favorable terms.

Save for a Down Payment: Aim for at least 20% of the property's value to reduce mortgage insurance costs and improve loan terms.

Compare Loan Options: Different lenders offer various products. Compare rates, terms, and conditions.

Get Pre-Approved: Pre-approval provides an estimate of how much you can borrow, making the home search more focused and efficient.

Submit Your Application: Complete the mortgage application, providing necessary documents such as proof of income, credit history, and property details.

Loan Approval and Offer: Once approved, the lender will present an offer detailing the loan amount, interest rate, and repayment terms.

Finalizing the Purchase: After accepting the offer, work with your lender to finalize the purchase. Ensure all legal and financial aspects are in order.

For rental options, visit Apartments For Rent in Dubai.

Tips for a Smooth Home Loan Process

Maintain a Good Credit Score: A high credit score improves your chances of loan approval and favorable terms.

Avoid New Debt: Refrain from taking on new debt during the loan process to maintain your financial profile.

Consult with a Mortgage Advisor: Professional advice can help you navigate the complexities of securing a home loan.

Understand Fees and Charges: Be aware of all fees and charges associated with the loan, including processing fees, valuation fees, and early repayment penalties.

For luxury properties, explore Luxury Properties For Sale in Dubai.

Legal and Regulatory Considerations

The UAE has specific regulations governing mortgages. Ensure compliance with all legal requirements, including property registration and transfer fees.

Dubai Land Department (DLD): The DLD oversees property transactions. Ensure all documents are registered with the DLD.

No Objection Certificate (NOC): If buying from a developer, obtain an NOC confirming no outstanding payments or disputes.

Conclusion

Avoiding common mistakes when applying for a home loan in the UAE can help you secure the best terms and conditions. By following the tips outlined in this guide, you can navigate the process efficiently and achieve your homeownership goals. For more resources and expert advice, visit home loan dubai.

[360degreesasthecrowflies]

"But just"/"Why don't you just?" is not always the magic solve you think it is, boomers

Feeling a little disheartened today by the way that my mum point-blank refuses to acknowledge structural barriers. And I do think it is at least partially a generational thing.

The thing about the deck being stacked against you that has the most impact, and that certain folk of a certain age seem unable to put together is that...

You reach a point in your life, or in your career, or in your day to day financial situation where not only is there no magical solution, there are also no good options.

And it's the kind of situation where it's not the case where there are no good options because you, the individual, made mistakes or burned bridges or wasted your starting out nest egg or your initial savings so you have only yourself to blame - or even where if you just reduced your basic outgoings down several levels you'd be able to build a nest egg (back) up in order to give yourself more options again... There just aren't any good options from the jump.

Recent solves my mum has put to me as if I'm not an adult, in my 30s, living independently in another country from her with over 10 years' working experience, include:

Why don't you just get a higher paying job?

Why don't you get a pension?

Why don't you buy a house?

Why don't you move further away from your work (and your established community and the amenities you rely on) so you can buy a house?

The undertone implication is a) that we haven't already considered all the options before us, done the calculations and concluded that (unfortunately, as if it worked out it would be helpful) it isn't viable right now, and b) that by not doing these things you are somehow deliberately crafting your own misery and setting yourself up for more hardship, instead of the reality that we are making the best of what's available to us within the system that is how our generation are asked to live and exist.

I don't 'just get a higher paying job' because the structural barriers are my lack of education and my lack of social connections among the higher strata of the demographic that, by their wealth-funded access to as many qualifications as they would like to pay for, and by being able to buy the time to complete them, holds a monopoly on hiring. That's something that's come from making education something available to the highest bidder, rather than grant-funded and obtainable by anyone with the capacity to qualify for the course.

I don't have a pension (right now) because I can't afford one. The minimum contribution that I can make by law to a pension is 10% of my income a month, and I can't afford to lose an extra 10% of my income when I'm already paying around that out of my salary to a student loan with compound interest that was sold to me as a loan that wouldn't have compound interest added. I'm also paying 50%+ of my income per month on housing alone, and more on bills. Where am I supposed to find more? And of course, if my salary goes up, so too does the amount I'm meant to pay back the student loan.

I don't buy a house because I can't afford one, despite saving for a deposit for several years. Unfortunately, Liz Truss crashed the economy last year and as a result, the banks don't offer mortgages as high as they used to, and require larger deposits for properties. As such the amount that I have saved up might have been enough to put down a healthy deposit two years ago, but now, isn't. And I can't save any more because of the aforementioned draws on my income above.

And if I was to move further afield to buy a house, what's the benefit to me? I'd have to spend more money on my commute, I'd probably have to live in a much less safe area, and it's going to be cold comfort to me that I own a property if I end up getting assaulted or stabbed on my way home at night.

Trust me, I would love to live in an era where I didn't have to overthink these basics. Where the fact that I have a college degree and multiple years of specialised work experience across multiple sectors including private business and government would actually count for something and afford me a solid and stable standard of living.

But it doesn't any more. And this is my life, and the lives of many of us nowadays. And we can't just sit and mope about it, we have to accept it, and adapt, and do the best we can to keep going until something gets a little easier for us, until the luck of the draw rolls our way or until someone with the power and ability through government or big business to effect a real change takes that shot and acts to make things just that bit less bleak for us.

Until then, a little empathy wouldn't hurt instead of a lecture.

[ubsvillasblog]

Navigating the Journey of Searching Dream Home

Home is more than just a physical space; it's a sanctuary where memories are made, dreams take shape, and lives unfold. Whether you're embarking on the journey to buy a plot, design a home, or construct a villa, understanding what 'home' means to you is essential. It's about finding a place where comfort meets creativity, where every corner reflects your personality and aspirations. Navigation through this process involves thoughtful consideration of location, budgeting, architectural style, and sustainability. From envisioning floor plans to selecting the right materials, each decision shapes not just a structure, but a lifestyle. In this guide, we explore the intricacies of transforming a plot of land into a haven that resonates with your vision and embodies the essence of Home.

it’s essential to consider several critical factors that will shape your decision and ensure a rewarding investment:

Location: The old adage holds true; choose a location that meets your needs for accessibility, safety, and future growth potential. Whether it’s proximity to schools, workplaces, or recreational areas, location plays a pivotal role in your daily convenience and property value appreciation over time.

Infrastructure and Amenities: Assess the available infrastructure such as road connectivity, water supply reliability, and access to essential services like hospitals and markets. Amenities such as parks, gyms, and community spaces enhance your lifestyle and contribute to the overall appeal and value of the property.

Legal Clarity and Documentation: Ensure all legal aspects are meticulously reviewed and verified. This includes clear ownership titles, approvals from local authorities for construction, and adherence to zoning regulations. Clear documentation safeguards your investment and prevents legal complications in the future.

Personalized Construction: If you plan to build your home, consider customizing the design to suit your lifestyle and preferences. From layout and interior finishes to eco-friendly features and energy-efficient systems, personalized construction ensures your home reflects your unique vision and enhances comfort and functionality.

Financial Feasibility: Evaluate the financial implications thoroughly. Calculate costs not just for purchasing the plot or building the home, but also for ongoing maintenance, property taxes, and potential renovation or expansion costs. Explore financing options like bank loans and understand the terms and conditions to make informed financial decisions.

Are you dreaming of building your own home or investing in a plot of land? Look no further than UBS Villas in Palakkad Vadakkanchery, renowned for their excellence in villa construction and plot sales. 

Why Choose UBS Villas?

UBS Villas stands out for its commitment to quality and customer satisfaction:

Personalized Construction: Tailor your dream home with personalized construction options, ensuring every detail meets your vision.

Affordable Investment: Begin your journey with just a ₹1 lakh advance payment, with up to 90% bank loan availability, making it easier than ever to own your dream home.

Modern Amenities: Enjoy a lifestyle enriched with amenities such as a children's park, open gym, and lush turf for recreational activities.

Secure Living: Benefit from a secure environment with features like a boundary wall, gate, CCTV surveillance, and a dedicated 6-meter internal road.

Essential Utilities: Experience uninterrupted living with 24/7 water supply and a reliable electricity connection.

Why Palakkad Vadakkanchery?

Nestled in the serene landscapes of Palakkad Vadakkanchery, this location offers the perfect blend of tranquility and connectivity. Whether you’re starting a family or planning for retirement, UBS Villas provides the ideal setting.

Invest in Your Future

Take advantage of this golden opportunity to build a personalized home in a community that cares. With UBS Villas, you’re not just buying a property; you’re investing in a lifestyle.

Take the First Step

Don’t miss out on this incredible opportunity to own a piece of paradise in Palakkad Vadakkanchery. Contact UBS Villas today to schedule a visit and explore your dream home.

ubsvillas.com

ubsvillas@gmail.com

[propertybuyindubai]

Understanding Home Loan Options in UAE

The UAE's real estate market is diverse, offering a variety of home loan options to suit different needs. Understanding these options is crucial for making an informed decision. This guide provides an overview of the different home loan options available in the UAE.

Types of Home Loans

Home loans, or mortgages, come in various forms, each with its benefits and considerations.

Fixed-Rate Mortgages: These loans have a fixed interest rate for a specified period, providing stability in monthly payments.

Variable-Rate Mortgages: The interest rate fluctuates based on market conditions, which can lead to lower initial rates but potential increases over time.

Islamic Mortgages: Compliant with Sharia law, these mortgages involve profit-sharing rather than interest payments.

For detailed information on home loans, visit home loan dubai.

Key Features of Different Home Loans

Fixed-Rate Mortgages:

Stability: Monthly payments remain the same throughout the fixed period.

Predictability: Easier to budget as payments do not change.

Higher Initial Rates: Typically, fixed rates are higher than variable rates.

Variable-Rate Mortgages:

Lower Initial Rates: Often start with lower rates than fixed-rate mortgages.

Potential Increases: Rates can increase over time based on market conditions.

Flexibility: Can benefit from falling interest rates.

Islamic Mortgages:

Sharia Compliance: No interest payments; instead, profit-sharing.

Ethical Financing: Aligns with Islamic principles.

Varied Structures: Different structures such as Ijara, Murabaha, and Musharaka.

For property purchases, explore Buy Villas in Dubai.

Choosing the Right Home Loan

Assess Your Financial Situation: Begin by evaluating your financial health. Calculate your income, expenses, and savings to determine how much you can afford.

Consider Your Goals: Determine your homeownership goals, whether it's stability, flexibility, or compliance with Islamic principles.

Compare Loan Options: Different lenders offer various products. Compare rates, terms, and conditions.

Consult with a Mortgage Advisor: Professional advice can help you navigate the complexities of securing a home loan. For expert advice, consider Best Mortgage Services.

Steps to Securing a Home Loan

Get Pre-Approved: Pre-approval provides an estimate of how much you can borrow, making the home search more focused and efficient.

Choose the Right Mortgage: Select a mortgage that aligns with your financial goals.

Submit Your Application: Complete the mortgage application, providing necessary documents such as proof of income, credit history, and property details.

Loan Approval and Offer: Once approved, the lender will present an offer detailing the loan amount, interest rate, and repayment terms.

Finalizing the Purchase: After accepting the offer, work with your lender to finalize the purchase. Ensure all legal and financial aspects are in order.

For rental options, visit Apartments For Rent in Dubai.

Tips for a Smooth Home Loan Process

Maintain a Good Credit Score: A high credit score improves your chances of loan approval and favorable terms.

Save for a Down Payment: Aim for at least 20% of the property's value to reduce mortgage insurance costs and improve loan terms.

Avoid New Debt: Refrain from taking on new debt during the loan process to maintain your financial profile.

Understand Fees and Charges: Be aware of all fees and charges associated with the loan, including processing fees, valuation fees, and early repayment penalties.

For selling your property, explore Sell Your Property in Dubai.

Legal and Regulatory Considerations

The UAE has specific regulations governing mortgages. Ensure compliance with all legal requirements, including property registration and transfer fees.

Dubai Land Department (DLD): The DLD oversees property transactions. Ensure all documents are registered with the DLD.

No Objection Certificate (NOC): If buying from a developer, obtain an NOC confirming no outstanding payments or disputes.

Conclusion

Understanding home loan options in the UAE involves careful planning and knowledge of the mortgage market. By following the steps outlined in this guide, you can navigate the process efficiently and achieve your homeownership goals. For more resources and expert advice, visit home loan dubai.

[xoshepard]

so in a "finally some good fucking news" moment in my life, i spoke to my mom and im gonna move back home this winter, which means i can afford to make a significantly lower amount of money (need to calculate but just enough to cover my loans and like food and gas and put money into savings) and i will hopefully be able to find a lower paying job near atlanta where i can keep using my japanese skills until it's time to move to school, or just any job that pays enough to cover all my needs

but that means i only have to suffer @ this job for another 4 months 😭😭😭 which is such a relief. also i cant deny the benefit of moving in w my family before moving to somewhere where i will almost definitely have to have roommates, bc itll be a nice transition, i think. i havent lived with anyone in over a decade so i think this is v important dhskdhjd

[foxymoxynoona]

Currently reading Amended and all I could think was a middle class 27 year old had that much savings amd bought a freaking house...what in the millennial wet dream is that? Can't relate 😄😄 then I remind myself it's fiction. LOL

Story is good though. Kinda addicted atm and binging on it.

Lol some millennials do own houses so it's not totally outside the realm of possibility! Through whatever combination of good luck, bad luck, timing, location, etc. I did calculations for his annual pay and budget and searched for real estate in the area they live in to make sure it was at all possible --remember he's been making decent money and barely spending anything for years, didn't have loans/debt, plus she gets money from what little her grandma had to pass on and the sale of the old house in a neighborhood marked for gentrifying to cover a down payment as well.

There's definitely still a position of fiction privilege though, basically everything going right for him for years (while everything was going wrong for Isabella for years). I think the big additional boost for him that made it possible (which I hope came across in the story) was the privilege from his job. They expected to buy a small fixer-upper but they got something much better than they would otherwise have been able to afford. The story tries to look at a lot of types of privilege or lack of privilege (along with inheritance and legacy), and his job provides him access to one type, though it's a means to privilege he has to ultimately really examine what it costs him to have.

But yeah, easy home ownership with such a nice house is so young is totally the fantasy lol. With a family nearby who can handle any house repairs or renovations. The chapter where he pays off all her debt was the real 🥵 one for me haha. Let me dream, ok???

I'm glad you're enjoying the story!!

[mortgagelead-blog]

Everything You Need to Know about Affordable Housing

Investing in affordable housing can be extremely profitable, if you do things right. Many property investors include affordable housing in their portfolio mainly because of the government tax credits associated with them. However, you have to make sure the investment you make is marketable in your area and also profitable.

Although affordable housing is cheaper than other real estate properties, there are a lot of costs associated with them. Apart from the buying costs, there are also the renovation and the maintenance charges you will have to consider, before determining its viability.

The main advantage of affordable housing is the tax credits given by the government. As a property owner, you can receive these tax credits by using a percentage of your property (say a few rental units in your building) as affordable housing. The renters of these houses will also get assistance from the government, to pay their monthly rent.

Eligibility Criteria for Affordable Housing

Affordable housing was introduced mainly to provide housing for people with limited income. These include four groups of people:

Seniors and People with Disabilities

People with disabilities and people aged 65 and above are eligible for affordable housing. They require housing closer to public accommodations, along with some modifications such as handrails, wheelchair accessible bathrooms, ramps instead of stairs, and modified closets and cabinets.

Students

Many students including adult students, university students, and non-traditional college students require off-campus housing that is affordable. They prefer affordable housing that is closer to the campus. Many international students keep looking for affordable housing throughout the year, as they won’t have to make too many international trips.

The Military

Veterans and active members of military service keep looking for affordable housing too. The government (Department of Veteran Affairs) provides them assistance through VA loans to construct as well as buy houses. You can contact any of the VA loan lenders through VA live transfer leads and apply for a VA loan.

Both on-base as well as off-base housing options are available for military service members. However, you need to make sure off-base housing that you select is closer to your base.

Rehabilitation and Re-Entry Programs

Another section of people that requires affordable housing includes homeless families and people with addiction who are in recovery. Adults and children who are into mental health programs and state protective services need neighborhood-based housing and group homes with privacy and adequate facilities.

Apart from the above, people in the lower income group can buy or rent affordable housing, by applying through Section 8 and other subsidized housing programs. However, they have to be aware of their area’s median income. This information should be available on most real estate websites, housing authorities, economic development agencies, and state and local governments.

Determining Profitability and Marketability of Affordable Housing

There are two things you need to consider while investing in affordable housing – profitability and marketability

Profitability

The first step in determining the profitability of your investment is to calculate your operating expenses. For affordable units that you have rented out, you have to add up your taxes, insurance, utilities if any, maintenance charges, transfer costs, and other fees charged by the municipality or your county.

If you are buying affordable housing, your operating costs would include financing costs, closing costs, transfer costs, and labor as well as material costs if you are renovating or constructing the property.

You can add up advertising and marketing costs if any.

Once you have estimated your operating costs, it is time to determine your income. While calculating your cash flow, you should also consider the tax credits and financial assistance that you receive from the subsidizing authority, to pay up your utilities. Deduct your estimated operating costs from this amount to determine your gross profit. Make sure you also consider depreciation charges, if any.

Marketability

You can get information about affordable housing available in your area, from your local housing authority office. Make sure these units meet the guidelines specified for rental subsidies. If you are going to sell the units that you are buying, you will have to consider your renovation or construction costs, to establish their profitability. If they are not profitable, they cannot be marketable.

You can also consider buying foreclosed homes acquired by your local economic development agencies. The guidelines for buying these houses may be different for different regions. Also, these units may usually need significant rehabilitation. The turnaround time required to resell these is also longer.

One other way to find affordable housing is to enter the FSBO or For-Sale-By-Owner market. With information from realtors, you can find many short sale deals with sellers looking for quick sales at reduced price for a reduced mortgage payoff.  You can fix them up and resell at profitable pricing.

Successful investment in affordable housing is all about timing the market well. It may not be a good time to purchase properties if the financing, labor, and material costs are high. At the same time, it may not be the right time to put your unit up for sale if there aren’t too many renters. If the median income and the market rent of your area is high, it might make sense to retain your property and enjoy the rental income it generates every month.

Special Considerations for Affordable Housing Investment

You need to be a business executive, an investor, or a landlord, to invest in affordable housing. As a landlord you can help families and the community by creating a market for affordable housing. As an investor, you can invest in some of the best properties at best prices, in certain desired areas, to generate maximum profit. As a business executive, you can create your own brand, maximize its value and generate some goodwill for your brand. You can also create employment opportunities for many.

The Bottom Line

Just being a landlord will not make you a successful investor in affordable housing. You also need to be a savvy business executive who understands how to make these investments profitable and marketable. Collect as much information about affordable housing in your area, create a market, and apply your wisdom to make your investment work for you.

[moderncalculators]

Empowering Financial Decisions with Modern Calculators: Your Key to Financial Success

In an era where information is readily available, financial empowerment is key to making informed decisions. Thanks to the digital age, we have access to an impressive array of calculators that can simplify complex financial tasks. Let's explore the world of Modern Calculators and discover how these tools can empower you in various aspects of your financial journey.

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24. What Calculators Are Allowed on The ACT

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[hakesbros]

Home Bureau Of Land Administration

At NewHomeSource.com, we update the content material on our site on a nightly foundation. We search to guarantee that all of the information introduced on the location relating to new homes and new home communities is present and correct. However, we do not assume any liability for inaccuracies. It is your duty to independently confirm the knowledge on the location.

Depending in your down cost and mortgage kind, you could additionally should pay private mortgage insurance as a half of your monthly mortgage payment. Many people start by figuring out what they'll afford as a month-to-month fee. A frequent place to begin is to calculate 25% of your gross month-to-month revenue to help decide a manageable month-to-month mortgage fee. Today’s mortgage and refinance charges See fee and APR data for well-liked loan sorts.

Here is a fast overview of what the brand new construction market currently appears like in Las Cruces. If you're looking to sell your personal home within the High Range area, our itemizing agents can help you get the most effective worth. Buy the proper homes for sale in las cruces new mexico home on the right worth close to High Range with a local Redfin actual property agent. Lovely customized home with spacious rooms, kiva hearth, beams and corbels. Upgraded cabinetry & appliances, custom window coverings, low E vinyl clad windows & GE smart wiring.

Real property listings held by brokerage corporations other than , are indicated by detailed information about them such because the name of the listing companies. One of the best indications could be the direction of inventory—and its speed of change. At first look, it might be simple to assume that stock home builders in las cruces (i.e. active listings for sale) is simply a measurement of provide, nonetheless, it’s additionally a measurement of demand. If homebuyers pull back, and homes sit in the marketplace longer, that may improve stock levels (currently up forty six.8% year-over-year) even if new listings (currently down 17.3% year-over-year) decline.

In a typical actual property market, the vendor would obtain approximately 96% of the asking price after a cut price. Today, the consumers of Las Cruces are gaining a mean of 98% of their asking worth, and this pattern would increase. Redfin is redefining actual property and the house shopping for course of in High Range with industry-leading technology, full-service brokers, and lower fees that provide a greater worth for Redfin buyers and sellers. Here you will new homes las cruces discover all the homes for sale in Las Cruces NM. We offer all the newest listings, correct data, and up-to-date property details all through the Las Cruces area. Searching cheap houses for sale in Las Cruces, NM has by no means been easier on PropertyShark! Second, homeowners may be tempted to turn out to be landlords, wrote Taylor Marr, deputy chief economist for Redfin, in the true property brokerage’s 2023 forecast.

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You’ll find the city is small enough that you often run into people you know at your favourite grocery retailer or cafe. What’s extra is the superb homes for sale las cruces, rich culture in the neighborhood. Art, historic websites, agriculture, and multicultural cuisine are woven into the material of the Las Cruces neighborhood.

Las Cruces operates the RoadRUNNER transit, a small however efficient system and a good way to get round city. The fleet consists of fourteen 35 foot wheelchair accessible buses that run throughout city for a dollar a ride. There are 9 routes total, nevertheless it doesn't run on Sundays, so proudly owning a car, even if you've invested in a bus move, isn't a bad thought. Once you get to the Eastside or Main Street, Las Cruces could be surprisingly walkable, but getting there can be a pain if you don't have a set of wheels, as a end result of spread-out nature of Las Cruces. Some individuals bicycle from neighborhood to neighborhood, however spreading over greater than 70 square miles, that may be a bit impractical if you should make a longer journey. As of December 2022, the typical house rent in Las Cruces, NM is $554 for a studio, $850 for one bedroom, $767 for 2 bedrooms, and $1,004 for three bedrooms.

When folks keep their homes off the market, they reduce the availability of homes for sale. If demand stays the identical, home prices will resist falling. These constructing are by far the most effective homes for sale in las cruces nm I’ve seen and experienced with yet. Going to Covington sellers they've greatest customer service and make clients really feel as like they are shut household.

Would positively recommend for anyone in that area and even to locate completely different dealer however graceland is definitely game changer in transportable buildings. Every quarter, Moody’s Analytics assesses whether or not native fundamentals, including local income ranges, can support local home costs. Thesefrothy markets embrace places like Boise("overvalued" by 74%) and Austin ("overvalued" by 61%).