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There are more an more people reaching retirement with mortgages. In fact cheap air max clearance , many people are acquiring mortgages in retirement. Is it a good idea?


First of all, most financial advisors will tell you that you shouldn't carry a mortgage into retirement. That is because most retirees are cutting back on what they are living on, income-wise. Personally, I don't want to carry a mortgage into retirement because I want that extra money for myself. I also strive for the clear ownership of my property. But you have to look at what fits you.


Yes cheap air max factory , you can get a mortgage when you are close to retirement or in retirement already. Yet, what the bank will lend you isn't the issue. You have to determine the amount you can spend on housing based on your personal preferences and situation. The lender doesn't know your budget or how you spend or what your goals are. The lender only cares about getting money out of you.


So what do you do? If you currently have a mortgage and are afraid that you won't be able to afford it in retirement, look at paying it off early. This is a good idea for anyone. Just make sure that your loan doesn't carry any prepayment penalties. Not only will you save interest, but you will also have the freedom of not having a mortgage to pay.


If you have the income and the inclination cheap air max outlet , make your mortgage selection carefully. Look for a fixed-rate mortgage. This is important for anyone on a fixed income. You have the security of a mortgage payment that will always be the same amount.


You should really consider what you can afford to spend in retirement. Create a budget, if you don't already have one in place. Add in any housing costs that you might forget about, such as property taxes and homeowner's insurance.


Now take a look at your financial situation. For example, do you have emergency savings? Everyone cheap air max free shipping , even retired people, should have an emergency stash. If there is a death in the family or an accident or repairs needed, the emergency money will help buffer your fixed income. If you don't have the cash to pay for the unexpected, your mortgage could be at risk.


I think that one of the most important things you can do is to play a little game of "what if..." Consider all of the possibilities. If you can get your mortgage paid off cheap air max sale , great. But if you can't, don't worry too much. You will. From my own experience, owning your own property in retirement is a prefect situation. My parents would have never been able to retire had they not owned their own property -- their retirement income was too limited. But they have been comfortable due to less monthly housing costs.


Having a mortgage in retirement is fine for many people who can afford it. But remember, the rules don't change: fixed rates are best cheap air max online , don't borrow too much and buy wisely.

Sony Ericsson Phones : Representing Innovation & Style!

Posted On : Jul-15-2011 | seen (78) times | Article Word Count : 411 |

Sony Ericsson phones is a term which represents technology and trust. It has been quite successful with its five popular series namely Cyber Shot, Bravia, Walkman, UIQ and Xperia. Sony Ericsson phones have become quite popular since past few years. With their high quality music and user-friendly mobile tools cheap air max trainers , this mobile brand has come up quite far in the vicious tech-race. Two of the most powerful series of these phones are undoubtedly 鈥淲alkman鈥?series and 鈥淐yber-Shot鈥?series. While the Walkman phones were devoted to offer tremendous musical play, the Cyber-Shot handsets were totally dedicated to serve a user with high-end camera features. The camera tools were so exceptional in these phones that users went crazy to buy a Sony Ericsson gadget only for their modified cameras. Ericsson has a wide list of handsets that have flooded the mobile market. Some of the most sought after of the lot are Sony Ericsson C702i, Sony Ericsson G900, Sony Ericsson C905 cheap air max china , Sony Ericsson F305, Sony Ericsson R300i and many more.

Let us get to know more about these enriched phones by exploring a few of them.

* Sony Ericsson C905 : This one stands in the class of Cyber-Shot and proudly holds a 8 mega pixels snapper. It has surpassed its rival phones by offering some of the top camera tools. These includes Geo-tagging, face and smile detection, smart contrast cheap air max kids , image stabilization, smile detection (with update), videocalling, autofocus and xenon flash. A user can enjoy a sound and secure net connectivity via its GPRS cheap air max mens , EDGE, 3G and WLAN. The display of the phone has also added to its glory with a large and vibrant 2.4 inches of TFT screen.

* Sony Ericsson G900 :This one is one of the most fashionable handset with a plethora of multimedia tools. This is a 3G enabled device and helps one to stay tuned with his buddies and family even with worldwide roaming. A 5 mega pixels snapper is neatly packed with autofocus and image stabilizer technology to enhance the quality of clicked images and videos. Capable of p. Cheap Jerseys China Cheap Jerseys Wholesale Wholesale Cheap Jerseys China Wholesale Hockey Jerseys From China Wholesale NFL Jerseys Online Wholesale NCAA Hockey Jerseys Wholesale Cheap Basketball Jerseys China Cheap Jerseys Cheap Jerseys China Cheap Jerseys From China