$50 for two months
$70 for three months
$90 for four months
(Tack Shops, Veterinarians, Hay & Feed Supplies, Farriers, Equine Services, Equine Products)
$35 for one month
$90 for three months
$150 for six months
$260 for twelve months
$30 for one month
$55 for two months
$150 for six months
Editing of Changing Any Ads: $5
One Time Fee For Links (Including Youtube Links For Horses): $10
Items That Are Under $100 Dollars Can Be Placed In The Bargain Barn Section Of The Message Boards.
Please Do Not Hesitate To Contact Our Office To Assist You With Placing, Renewing, Or Changing Your Ad!
In my personal studio in Commack.
From beginners to those who want to reach a higher level - I teach the art of photography.
Have a new camera, and confused how to get the most out of it?
Love nature photography, or want to learn macro?
I studied with the very best in children's photography.
Want to learn the art of silky water and waterfalls ?
Shoot NYC at night like a pro?
Want to learn Photoshop?
Get your camera off Auto!
Learn RAW photography, and see why it makes a tremendous difference.
$25.00 for a full hour.
No more than three people at a time.
Guided tours in the field also.
Private Mortgage Insurance (PMI)
If your down payment on a home is less than 20 percent of the appraised value or sale price, you must obtain private mortgage insurance, known as PMI, with your lender. This will enable you to obtain a mortgage with a lower down payment because your lender is now protected against any default on the loan.
PMI charges vary depending on the size of the down payment and the loan, but they typically amount to about one-half of 1 percent of the loan, according to the Mortgage Bankers Association of America. Mortgage insurance premiums are not tax deductible.
Let's say you put down 10 percent or $10,000 on a $100,000 house. The lender multiplies the 90 percent loan, or $90,000, by .005. The result is an annual PMI of $450, which is divided into monthly payments of $37.50.
Most home buyers need PMI because 20 percent of the sale price on a home is a lot of money; for instance, that's $20,000 on a $100,000 home. Home buyers must maintain the PMI premiums until they cross that one-fifth-of-principal threshold, a process that can take years in longer-term mortgages.
Keep track of your payments on the principal of the mortgage. When you reach the point where the loan-to-value ratio hits 80 percent, notify the lender that it is time to discontinue the PMI premiums. The Homeowners Protection Act of 1998, which took effect in 1999, requires lenders to tell the buyer at closing how many years and months it will take for them to reach that 80 percent level and cancel PMI. Lenders must automatically cancel PMI when the balance hits 78 percent.
Note: The law does allow lenders to continue requiring PMI all the way down to 50 percent equity for so-called high-risk borrowers. Traditionally, those loans that are considered riskier include reduced documentation loans, in which customers provide less proof of income and other information during the approval process. Loans for people with spotty credit histories and higher debt-to-income ratios also fall into this category. Additionally, some FHA loans require payment of PMI throughout the entire life of the loan.
Ways to avoid PMI
In today's market, there are some new ways to avoid mortgage insurance even when you don't have the standard 20 percent down payment.
Pay more interest: Some lenders will waive the mortgage insurance requirement if the buyer accepts a higher interest rate on the mortgage loan. The rate increases generally range from .75 percent to 1 percent, depending on the down payment. The advantage is that mortgage interest is tax deductible.
Using an "80-10-10" loan: This program involves two loans and a 10 percent down payment. The 90 percent loan is financed with a first mortgage equal to 80 percent of the sale price, and a second mortgage for the remaining 10 percent of the sale price. The second mortgage has a higher interest rate but since it applies to only 10 percent of the total loan, the monthly payments on the two mortgages are still lower than paying one mortgage with mortgage insurance. Plus, again, there is the advantage of mortgage interest being tax deductible.
Example: If we compare the purchase of a $100,000 home under the "80-10-10" plan with a standard fixed mortgage including PMI, we find that the former is $17.45 cheaper each month.
Here's how it works. Under the "80-10-10" plan, the 10 percent down payment on a $100,000 house is $10,000. The first mortgage is $80,000 at 7.50 percent, which comes to a monthly payment of $559. The second mortgage for $10,000 has a 9.50 percent interest rate, making a monthly payment of $84. Total monthly payments of the two loans: $643.
With a $10,000 down payment, one mortgage of $90,000 at 7.50 percent has a monthly payment of $629, plus PMI of $31.45, making a total payment of $660.45.
Order your birdhouses now...so you can get them hung up so the birds can get established and ready for babies in spring... you pick the colors and the theme.... or you can just have colors...I use acrylic paints and they are varnished so they are able to go out side...
LI PARROT SOCIETY MONTHLY MEETING
WEDNESDAY, AUGUST 21, 2019
LIPS Monthly Meetings are held on the THIRD WEDNESDAY ten months out of year (no meetings in February or July):
American Legion Post
22 Grove Place
DOORS OPEN: 6:30 pm
VENDOR SALES: 6:30 to 7:30 pm and following speaker
SPEAKERS: 7:30 pm; ± 20 minutes
Non-members/Guests; $5.00 admission - please do NOT bring your birds.