In early October 2016, the interest rate on a 30-year mortgage was 3.42%, but during the week of January 5, that rate jumped to 4.2%an almost two-year high, according to Fitch Ratings.So if the maximum loan a would-be buyer could afford in autumn was $120,000 (the current median mortgage for borrowers under 35, according to the Federal Survey of Consumer Finances), by last week that loan value would have dropped to approximately $109,000, assuming all other factors aside from the rate hike were the same, reported Fitch. And the lower the mortgage amount that you’re approved for, the tougher it might be to make those picket-fence dreams a realitysomething 83% of Millennials say they plan on doing someday, according to Trulias Housing in 2017 report . But that isnt the only thing preventing Millennials from buying real estate. Stagnant wages, heftier rents and mega student loan debt have all conspired to slow down the process of saving for a down payment. Also, stricter underwriting standards imposed by lenders after the housing bubble burst in 2008 means that potential owners need higher credit scores to secure a mortgage, reported Fitch. It’s no wonder, then, that so many young adults continue to rent or even live at home with their parents. The homeownership rate for under 35-year-olds declined to 35% in 2016, from 39% in 2010, according to the U.S. Census Bureau . And for the first time in over a century, more 18 to 24 year olds live with mom and dad than with a partner or spouse in their own household, according to a 2016 Pew Research study . If youre like many Millennials and your current budget has made buying a home little more than a pipe dream, dont throw in the towel and assume youll never be able to stop renting.
For the original version including any supplementary images or video, visit http://www.forbes.com/sites/learnvest/2017/01/19/3-tips-that-can-help-millennials-become-homeowners-despite-the-interest-rate-hike/?ss=personalfinance
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Orgeron and Jenkins pride themselves and their linemen on coming to work hard everyday, something Valentine struggled with. \n The Florida native played in the first five games of the season for the Tigers, recording a total of 10 tackles. \n Valentine’s first round at LSU ended before he even suited up for the Tigers. The former 4-star lineman was dismissed for violating team rules after struggling to become eligible to play. He started at Arizona Western before transferring to Mississippi Gulf Coast. “,”mobileBody”:” http://www.scout.com/player/168906-travonte-valentine The sophomore did not play in the final seven games of LSU’s season after being welcomed back by former LSU coach Les Miles early in training camp after his first stint at LSU ended prematurely. Valentine was expected to be a big part of Dave Aranda’s 3-4 defense, but instead was more of a problem than a contributor. Orgeron and defensive line coach Pete Jenkins butted heads with Valentine over his work ethic and attitude during his time in the program. Orgeron and Jenkins pride themselves and their linemen on coming to work hard everyday, something Valentine struggled with. The Florida native played in the first five games of the season for the Tigers, recording a total of 10 tackles. Valentine’s first round at LSU ended before he even suited up for the Tigers. The former 4-star lineman was dismissed for violating team rules after struggling to become eligible to play. He started at Arizona Western before transferring to Mississippi Gulf Coast.
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Tips For Landing That Job You Want
There’s a lot of information online that will help you with your job search. It’s important that you use as much advice as you can find. Read on to discover how to get a job using the Internet.
Dress to impress! The first impression is what many people will judge the rest of the interview on. You don’t need to go all out in every circumstance, but dress for the part even when you’re just dropping off a resume or application.
Don’t let your current job suffer if you’re on the market for a new one. If you don’t do what you are supposed to, your employers may be unhappy with your performance. Potential employers will probably find out about your attitude when they contact your current employers. Success comes only to those who continually deliver work of the highest quality.
Consider continuing education. You might need more skill in order to get a job. Take the time to further your education so as to land a better job. A number of self-study programs are available on the Internet that allow you to fit your studies into your schedule.
You should probably figure out what the average pay is in the field you’re trying to get employed in so that you don’t end up making less than you should. Thinking that employers will be turned off if they mention a number that is too high, some job candidates will request a salary far below what they deserve. At the same time, if you post a request that is too low you may appear desperate.
Dress for success when you interview, no matter the job you’re applying for. Even if the workplace is a casual one, you still need a nice appearance to impress your interviewer.
Don’t get into fights at work. You want to make sure that you’re getting along with other people so that you aren’t viewed as being a difficult person. This will help you create a reputation that comes with benefits like raises and promotions.
You want to always show up early for your job. There are always things that can arise to make you late, so make sure you’re giving yourself some spare time. By consistently arriving on time to work, you are showing your employer that the job is something you greatly appreciate.
Find out about the career fairs in your area, and try to attend as many of them as possible. You will learn a lot about the current job market, and will find new opportunities for employment. You can also gain some great contacts that can aide you in getting the right job.
Don’t put all your effort into getting a single job. When something is promising, it doesn’t mean it’s guaranteed. Keep hunting in the meantime. If your job search is broadened, you have a better chance to secure a position.
Understand that companies exist to make money. As you get yourself ready to go in for interviews, and even when you’re creating a resume, you have to show off what you can do well to make the company more money. You should let companies know more about you than just the basics.
Get the facts
Try to communicate more frequently with an employer when you are new to a job. Without communication, your boss can start to distrust you. Try to report in often. Keeping your boss in the dark can only lead to future trouble.
Having trouble coming up with the style your resume should be? If so, check out online templates. You can find various templates for each business sector online. Think about what you need the template to include, and then make good use of it.
If money is really short, be willing to work any job you can find while you search for the perfect opportunity to ensure you don’t run out of funds. Tend bar or wait tables, for instance.
You should not lie during job interviews. A lie can be cross checked, and you can, in turn, not get the job. Claiming to have work experience, skills or knowledge that you really don’t have can get you into trouble. Don’t exaggerate what you think they want to hear, rather, share with confidence who you really are, and what you really are capable of.
You need to use your resources and skills to their fullest. Use what you’ve learned to get that job you really want. You are going to benefit from what you’ve learned when looking for that career you want.