Mr. Graves can you give me some advice on how to have some pride in my house? I'm the only Slytherin in my house my 2 siblings are gryffindor. I'm always getting crap talk about it. I'm normally nice person but those people make me act like a dick.
Because of that they say I'll definitely end up been in the dark end of the Wizarding world.
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From what I hear, Slytherins are unfairly judged. I have been told that I would be sorted into Slytherin myself if I had been at Hogwarts and I am as far away from the dark end of the Wizarding world as I believe it is possible to be.
I do not know enough about either house to be able to give you specific advice but I can say that whatever house you have been sorted into, it is simply a label. You do not need to live up to or fulfill the stereotypes that that label provides. It does not define who you are as a person or what you are going to do with your life.
How to Make House Hunting as Easy as Binge Watching Netflix
How to Make House Hunting as Easy as Binge Watching Netflix
You know the feeling when you struggle to find something to watch on Netflix because it’s just so overwhelming with the number of shows and movies to choose from? Well the same thing can happen when it comes to house hunting! There are so many real estate websites and so many houses to look at. Digging through countless websites, having your phone glued to your hand, constantly hitting refresh to…
மிகக் குறைவானப் பொருட்களே தேவைப்படும் ‘மினிமலிஸ்ட் வீட்டு அலங்காரம்’ இன்று, சென்னை, மும்பை, பெங்களூரு போன்ற பெரும்பாலான மெட்ரோ சிட்டிகளில் பிரபலமாகி வருகிறது. அப்படிப்பட்ட மினிமலிஸ்ட் வீட்டு அலங்கார ஐடியாக்கள் பற்றியும், அதில் இருக்கும் பேரழகையும் e1life.com உங்களுக்கு விவரிக்கிறது. வீடெங்கும் வெ
Fixed rate? Variable rate? I swear I took maths in high school but this is elvish to me!
Okay so when you are buying a house they are going to ask you to choose a fixed rate or a variable rate for the interest on your loan. The really, really short answer is variable rate means that you pay the going rate of the market no matter what it does. Up, down, you ride the waves. Fixed means you lock in the rate the market currently is at for a set period of time.
Fixed rate is going to be a higher initial interest rate, but it's guaranteed for a set time (longer locked fixed rates will go up because no one knows the future and you might end up paying 10% while the variable rate heads up to 23% and the bank does not want you to do that because it likes the money). At the end of your fixed rate (typically five or ten years) you have the option to lock the current rate in the market again or go variable. Sometimes the difference between fixed and variable rates is only a percent or two, and sometimes it's a lot more, so watch for that too. The rate they advertise on TV is rarely the actual rate, and normally a "comparison rate" for variable. Comparison usually being a fancy word for 'we don't know what the market is doing day to day but we can probably offer this rate if you come in on the right day and want a variable loan'.
Variable rate changes with the market but will be lower to start with. It's a risk because, again, no one knows the future. But then again, while Bob locked his rate at 15% because he thought rates would rise and instead they plummet, your interest drops to 5% while Bob is stuck at 15%.
My dad is an accountant, and he told me that if the rate is less than 10% you lock that sucker. It's not sustainable much lower and you know you can make it work. If the rate is in the twenties you go variable, it won't stay up there forever and you don't want to be the sucker stuck at 20% while your best mate is bragging about how low his interest is. I think this is pretty good advice. My advice, after lots of research, is always lock for at least five years. You've bought a house based on what you know you can afford and the repayments you can currently afford. In the next five years, probably not a lot is going to change for you financially. Even if in five years the rates drop, you are not locked in for long and you can lock the lower rate when when your fixed rate period ends. But you haven't got yourself in trouble and lost the house you just scraped and saved to get a deposit for. After five years, there is generally enough equity in your house so that if you can't afford the repayments you won't lose money if you have to sell it.
Go see a mortgage broker. Some of them earn money through referrals to banks, but they don't charge you to see them - so go see one of those. They'll help you understand but won't advise you to make decision either way (they don't want to be liable for your decision). But based on the information you give they will suggest an option, and you can research it and decide.
Just to emphasise and disclaim, I'm Australian and I'm not in finance. This is just stuff I learned when we went to buy our house. It's meant to be a helpful guide, and don't sue me if you do what I suggest and it goes badly. Your situation is individual, so remember that! But if I can help you understand something, I will. But the basics of variable vs fixed rate doesn't change much from country to country.
