danpaluska

Determine your mortgage limit Create your expense snapshot — listing all expenses in your current budget Estimate potential homeowner expenses and include them in your snapshot Estimate your monthly payments using an online calculator Calculate your debt-to-income ratio to determine your mortgage limit Decide how you will make a down payment and how much - danpaluska

Housing ratio (or "front-end ratio"): Lenders want your total mortgage debt (called PITI — an acronym for Principal, Interest, Taxes, and Insurance) and condo fees to be no more than 30 percent of your gross monthly income; 28 percent is standard. Overall debt ratio (or "back-end ratio"): These are revolving monthly payments, such as credit card, car lease, or loan payments, student loans, child support, alimony, monthly utilities. (They do not include those lattes, but you might want to plug in your lifestyle expenses for your own sake.) The ratio should not be more than 36 percent. - danpaluska

A chance encounter with a "black-hatted man" prompted Brende and his new wife to move to a religious, "Mennonite-type" community that in many respects makes the Amish seem worldly, where he hoped to pare his environment down to "a baseline of minimal machinery" that could sustain human comfort while allowing him to stay off the power grid. - danpaluska

I was staggered by Michael’s words. How could he dispute a memory I would not hesitate to swear on in a court of law, and had never doubted as real? “What do you mean?” I objected. “I can see the bomb in my mind’s eye now, Pa with his pump, and Marcus and David with their buckets of water. How could I see it so clearly if I wasn’t there?” “You never saw it,” Michael repeated. “We were both away at Braefield at the time. But David [our older brother] wrote us a letter about it. A very vivid, dramatic letter. You were enthralled by it.” Clearly, I had not only been enthralled, but must have constructed the scene in my mind, from David’s words, and then appropriated it, and taken it for a memory of my own. - danpaluska