Affordability

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What does a Sharing Housing presentation sound and look like?  Like this. For a larger view go here.

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Penalties for Sharing Housing?

Pity the government official coping with budget crises and all the demands on shrinking resources.  Their decisions can have ripple effects with unintended consequences.  For instance, a decision to reduce benefits when individuals are sharing housing.  Of course, from one perspective the beneficiary may not need as much money as when they weren’t sharing housing.  [...]

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Avoiding Foreclosure

Has your house become too expensive for you? If so, you are hardly alone. According to RealtyTrak, in 2010 between 3 million and 3.5 million foreclosure warnings will be issued. This is up from 2009′s record of 2.8 million. (USA Today, Feb. 11 2010) That’s a lot of houses, that’s a lot of unhappy people. [...]

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Calculating Housing Costs

The general rule of thumb for a reasonable amount to spend on housing is now 30% of gross income. It used to be 27%. The three percent increase probably represents a creep upward as everyone copes with higher housing costs.  So what is 30% actually? Here’s a quick look. Income $25,000, housing  $625 a month. [...]

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