First-time Buyers Urged To Reconsider Savings Targets
The average first time buyer is falling more than 5,000 short of their planned deposit, new figures have suggested. Would be buyers are spending two years saving towards a ten per cent deposit before applying for a mortgage, but are still not managing to raise the necessary funds. While aiming to accumulate more than 11,000 over a two year time period, the average first time buyer is saving just 270 a month towards their first home, which is leaving them 5,140 short of the desired total, research by Alliance and Leicester has recently found. There is a clear mismatch between how much and for how long first-time buyers are willing to save and their ideal target deposit to buy their first property, said Richard Taylor, head of mortgages at Alliance Leicester. With the average first time buyer house priced at just over 135,000, the deposit of over 11,000 that first time buyers want equates to about eight per cent which would give them a sizeable slice of equity in their first home. However, Alliance Leicester recommends that would be buyers aim for a less ambitious target, claiming that there are plenty of good...
Six Ways To Sneak Health Food Into Your Child S Diet
ick. I don t like it. and That s gross. coming out of your child s mouth. In fact, getting a child to eat health food can sometimes be as hard as getting a parking space that three other cars are waiting for. If you re tired of your child s dietary battles turning into tactical missions and survival-of-the-fittest lessons or survival of the most stubborn , we ve got six sneaky ways for you to trick your child into eating health food that you re absolutely going to love. 1 Carrot Cupcakes Show me a child who doesn t love cupcakes and I ll show you a dog that doesn t like bones. I ve known hundreds of children in my lifetime and I cannot remember a single one of them not liking cupcakes. That s what I call an opportunity. We all know cupcakes aren t healthy. Chocolate or white cake and a bunch of sugary frosting on top equates to nothing more than empty calories and a huge sugar rush. But what if you make cupcakes out of carrot cake. Or even zucchini or banana bread. All you have to do then is create a cream-cheese frosting lightly sweetened of course and you ve got a cupcake that s healthy and that kids can t...
Life Is A Test?
I rarely ever remember a dream. Even when I can remember what I was dreaming about when I have to get up for a drink or bathroom break in the middle of the night, I have forgotten all about it by morning. However, last night I had a dream that made me analyze my life and my thought processes on a day to day basis. I was dreaming about taking a test. I am not sure the subject of the test. I do remember feeling under pressure and I was struggling a bit with the content of the test. Now, I have taken my share of tests in the past and can recall having these types of dreams while in college; but, why now. I jotted down a few notes before going back to bed and did my best to decipher this brain spark this morning. I am into several projects right now in which I am under the microscope, so to speak. Is this all in my head. Do I bring all this pressure on myself. I try to be the best I can be; mentally, physically, and financially. I try to learn as much as possible to improve my abilities in these areas. This is great as long as I don t spend so much time trying to improve me that it harms my life in these same...