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Eco/212 Final Project New House Decision

In: Business and Management

Submitted By mbraddock02
Words 2049
Pages 9
Final Project: New House Decision
ECO/212
February 20, 2010

The arrival of a new baby is a major lifestyle change. The decision to buy a house takes into account pros and cons of making a major purchase. A studio apartment is a difficult living arrangement with a new baby, because it is small and without a separate space for a baby. The studio apartment is not in proximity to schools or services, which are needed for childcare. A house offers space for baby, a yard, schools, and services. The pros of home ownership offer many benefits not available with a rental property.

Trade-offs

The studio apartment although close to downtown night life, is not close to schools, churches, or shopping centers. This location worked well for the past few years, because children were not part of the equation. Some trade-offs are required before making a housing purchase. Proximity to night life is enjoyable; however, caring for a new baby will limit a carefree lifestyle.
Purchasing a home will require a down-payment and closing costs. In addition to a monthly mortgage payment, utilities, homeowner dues, repairs, maintenance, lawn care, insurance, and taxes are costs of ownership. When renting the renter does not have homeowner dues, lawn car, property taxes, and most repairs and maintenance costs. Homeowners unlike renters can make home modifications, without ramifications. Equity in a home increases the homeowner’s personal wealth. Homeownership also signifies stability. A renter can decide to move quickly with little to no consequence. The landlord takes care of repairs and maintenance, and although rentals may be higher than mortgage payments other costs are handled by the landlord (NeighborWorks America in partnership with E*TRADE FINANCIAL, 2010).

The repair and maintenance costs can be substantial depending on the age of the purchased home. New homes have new

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