Dein erstes Forum » The Bottom Line

When it comes about learning a foreign language Cheap Mariano Diaz Jersey , many people wonder if they will be able to memorize enough vocabulary. But this question never occurs about their mother tongue. And yet, it was a foreign language; nevertheless, among all the questions that new parents ask, no doctor has ever heard: "Will my baby be able to learn my language?" Be honest. Do you know all the words of your mother tongue? The answer is: "no". New words, and new ways of using old words, appear every day. Twenty years ago, who would have been able to understand such a sentence: "Click here to download your digital book"? Nobody. You never stop acquiring new vocabulary and you never know how long you will be needing it. Do you still use "tomagotchi"?

When you don't know the exact name of a thing, you don't hesitate to call it "whatsit". Why do you think foreigners do otherwise? (The French word for whatsit is machin. That's a good start! You already know the word that can virtually replace any other!)

Sometimes Cheap Marcos Llorente Jersey , you have the word on the tip of your tongue... and it sticks there! But you do know this phenomenon and don't think that it is due to a bad memory. You should not give this phenomenon more importance in the language you are learning than in your mother tongue. You need to learn only 2000 or so basic French words to be able to create any paraphrase you need. You can't avoid some work in order to learn these essential words and all the more if you want to learn quickly. Before you contemplate to buy a learn-in-a-breeze method, be sure it is right for you. It is not as wise as it is said to rely on a method based upon mnemotechnics. The first words seem very easy lo learn; so, you buy the method; and you discover quickly, though too late, that a dozen words later, it is all the more difficult to learn a new word that you have also to learn the trick to memorize it.

The next topic will be about lists of words: why they work and why they don't.

Gabrielle Guichard is a French teacher who can be reached on and listened to on French Podcasting Does the myth that mobile homes depreciate in value keep you from investing in them? Well, they do lose value in a park, on a rented lot. Mobile homes with real estate Cheap Marco Asensio Jersey , however, are an entirely different investment.

My mobile home doubled in value in the twelve years I lived in it. The home deteriorated a little (don't all houses?), but the value of the land continued to rise. Also, by renting rooms, I took in far more money from my home than it originally cost, and I was living in it!

Forget your prejudices and look at the numbers. In this town, for example, a two bedroom house rents for $800month Cheap Marcelo Jersey , and costs about $120,000. A mobile home gets $500month, but you can buy one on real estate for $50,000 or less. The cash-on-cash return on investment is obviously higher with mobile homes.

What about the long term return from appreciation? House rentals here typically have negative cash flow, while mobile home rentals at least break even. Investors prefer houses anyhow, believing they'll build equity faster, but is that true?

Faster Equity With Mobile Homes

Buy a house for $120,00. Put $20 Cheap Luka Modric Jersey ,000 down, and you'll have a $100,000 mortgage loan. Amortised over 30 years at 6% interest, you'll have a payment of $599.60. Of the first payment, $500 will go towards interest, $99.60 towards principal. In other words, you only built equity of $99.60. I'm ignoring appreciation, but only for the moment.

Second scenario: Find a nice mobile home for sale Cheap Lucas Vazquez Jersey , and borrow only $30,000, at 8% interest, amortised over 10 years. Note the higher interest - this is always the case with "factory built home mortgages." The shorter term is normal too, so you'll be done with payments in 10 years instead of 30.

Now, despite higher interest and a shorter term, the payment will be only $363.99. The first month, $200 will go towards interest. That means the other $163.99 goes towards principal. You bought more house (built more equity) in this scenario.

A mobile home on land might appreciate more slowly than the "regular" house Cheap Luca Zidane Jersey , but faster loan pay-down covers this factor. Pay less per month and build more equity! Don't expect your real estate agent to tell you this. Don't expect him to even agree with me after you explain it. I sold real estate years ago, and math skills were not part of the licensing requirements.

Cash Flow With Mobile Homes

In the example given, you'd initially lose about $150month on the house, after your payment, taxes, insurance repairs and other expenses. You'd break even or better with the mobile home, and after the loan is paid (ten years), you'd have a lot of cash flow Cheap Kiko Casilla Jersey , of course.

Mobile homes are cheap to maintain. The furnace died in rental I owned, the most expensive repair you'll have in a mobile. I replaced it for $1,200, much less than a furnace for a larger home. For $200 you can have a mobile home roof tarred, instead of $5,000 to re-shingle a traditional roof. Windows, plumbing, doors - they're all cheaper.

Property taxes cost less Cheap Keylor Navas Jersey , because they're based on value, and mobile homes have a lower value than stick-built houses. Insurance will cost less too, because you are insuring less value. The only precaution to remember here is to be sure you can get insurance. Very old mobiles may be uninsurable in some areas.

The Bottom Line

Mobiles have their own problems. Renters who have to rent for less sometimes pay late, for example. These issues are minor compared to the advantages. Your twenty thousand could buy you two mobile home rentals, with ten thousand down on each, instead of one negative-cash-flow house, for example.

Take an honest look at the numbers. The two investors in my town that own most of the mobile home rentals always have cash flow, and have millions in equity now. Other investors Cheap Karim Benzema Jersey ,. Cheap Jerseys China Free Shipping Cheap Authentic Jerseys Wholesale Jerseys China Cheap Wholesale NHL Jerseys Free Shipping Wholesale NBA Jerseys From China Wholesale MLB Jerseys From China Wholesale College Baseball Jerseys Wholesale Football Jerseys Cheap Jerseys China Cheap College Hockey Jerseys