Mortgage Or Rent?

!±8± Mortgage Or Rent?

For many home buyers, the dilemma of whether to rent or to own is a common one. There are three benefits of home ownership. Firstly, home ownership produces one of the safest and surest opportunities to build your personal wealth assuming that the purchase is geared lightly. Secondly, property offers a potential source of capital preservation. Finally, home ownership yields non-financial benefits that far outweigh monetary returns and provide satisfaction to the owners.

Some people may have the notion that home ownership will no longer produce good financial returns because of the compounding effect of mortgages. However, not everyone has the discipline or skill to put a certain amount of money aside monthly to build up their wealth. The temptation to take out the profits for consumption may be too great to resist.

Maybe buying a home is the best way to commit yourself to save for the initial down payment. Then, by merely waiting until the total needed amount for your dream house is saved, most will end up not being able to fulfill their goals as they may not be disciplined enough to follow strictly their saving plan and also inflation may keep on eroding the purchasing power of money. Conversely, building wealth through home equity has consistently proven to be a prudent strategy as property values are more stable than other asset values.

Concerning the issue of wealth accumulation via home equity, homeowners have to consider if they are better off if they rent and put their extra money into saving. If the returns on other investment instruments are greater than the appreciation of the house prices, then by all means to continue in renting.

However, most homeowners spend less for housing than renters do. Even though the exact cost advantages will differ between towns and cities throughout the country, over time rents continue to increase as mortgage payments remain quite stable.

Moreover, after your mortgage is paid off, your monthly payments will be reduced to zero. This cost advantage of owning means that as the homeowners grow older, they will have more money left from their salaries after paying off the mortgage. Thus, they have more money for other purposes like children education and medical bills.

Aside from the possibility of financial gains, there are many more non-monetary benefits you can enjoy. When you buy your own home, you don't just buy a house, you also gain freedom. You are not only saving money each month and building wealth, but more importantly, you have escaped from the 'renters' jail'. By freeing yourselves from the 'renters' jail', there will be no more landlords to tell you how you can decorate, who you can have over, or whether you can get a cat or dog. For the first time in your life, you are free to do with the home the way you want. Even if the mortgage costs you more, it'd be worth.

Therefore, the financial returns of ownership are great, but the most important benefit of owning is ownership itself. Ownership gives you the feelings of security and comfort. When you rented, you will never felt in control of your life. So, when figuring out your rent versus mortgage comparisons, keep in mind the enhanced benefits of owning.

Mortgage Or Rent?

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TI-Nspire, Future of Texas Instruments

!±8± TI-Nspire, Future of Texas Instruments

For over 15 years, Texas Instruments has owned the graphing calculator marketplace. Since the release of the TI-81 graphing calculator, TI has grown their following by improving that original TI-81 into the TI-82, TI-83, TI-83 plus, and eventually, the TI-84 plus. The TI-84 plus is still remarkably close to the TI-81. Despite the fact that the TI-84 has been incredibly popular, it's a dated device. Texas Instruments realized it was time for a new platform.

So in in 2007, Texas Instruments made public their new calculator, the Nspire. The improved features from the old product line were striking. On the old TI-84, the menus were odd at best, nonsensical at worst. It was hard for beginners just to figure out which button to push, and then the menu would fill the entire screen. With the Nspire, drop down menus are the norm, meaning students can stay in the screen they were working on and pull down a menu the way they would on a computer. Among other features are the highest resolution screen available on a calculator, the ability to save documents, a spreadsheet mode, mathprint for virtually all mathematical symbols, and a vastly improved system for graphing equations, simplifying the 84's ancient interface.

Frankly, the TI-Nspire made the TI-84 look like a dinosaur, and yet, the first reaction in the market was tepid. Why? TI didn't anticipate the reaction of two influential groups. First, despite positive TI-Nspire review s, educators were initially hesitant to adopt the Nspire. Many had just spent too much in the old TI-84. That was the case both in terms of the time invested learning the TI-84 and in terms of the school budget invested on classroom sets of TI-84 calculators. Texas Instruments tried to ease that consternation by offering a TI-84 keyboard that made the TI-Nspire look and act like a TI-84, but many felt that defeated the purpose of the Nspire. The other group that was cautious about the Nspire was the hacker community. At first, the TI-Nspire didn't offer programming as an option. Later, an OS upgrade offered some programming, but it wasn't enough to win over the programmers.

Lately, the Nspire has been gaining traction. Texas Instruments has noticed, getting rid of the Silver Edition of the TI-84. Now, however, TI finally faces competition from a competitor's calculator, not just its own TI-84. Casio has revealed its answer to the TI-Nspire. The Casio Prizm offers many of the same features as the TI-Nspire at almost the same cost, but offers two extra features with backlighting and the ability to display color pictures. The Prizm is set to be out in January 2011.

The Nspire finally has traction with buyers, but will face tough competition from the Prizm. The question now is whether the educator loyalty and user support they've created over the last 20 years will be enough for the TI-Nspire.

TI-Nspire, Future of Texas Instruments

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Texas Instruments TI-84 Special Edition Graphing Calculator (Dark Pink)

!±8± Texas Instruments TI-84 Special Edition Graphing Calculator (Dark Pink)

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Post Date : Nov 18, 2011 00:19:04 | Usually ships in 24 hours

Texas Instruments TI-84 Special Edition Graphing Calculator (Dark Pink)

MODEL- TI84PLUSSLVRPINK VENDOR- TEXAS INSTRUMENTS FEATURES- TI84 Plus Graphics Calculator- Metallic Silver finish Includes TI Graph LINK for Windows and four AAA batteries. An enhanced version of the TI-83 Plus, the TI-84 Plus offers a built-in USB port, 3x the memory of the TI-83 Plus, many preloaded Apps, an improved display, and more! Because the TI-84 Plus is 100% keystroke-for-keystroke compatible with the TI-83 Plus, integrating it into your classroom will be easy! With the TI-84 Plus, all students can now share their work by connecting their TI-84 Plus to any TI presentation tools for the whole class to see, fostering a collaborative learning environment. Plus, a built-in USB port makes data transfer to your computer and between handhelds easier than ever. The TI-84 Plus handheld is fully loaded with convenient features and accessories, including a kickstand slide case, compatibility with TI presentation tools on every unit and more! up-to-date functionality and software applications (Apps). Plus and TI-84 Plus Silver Edition graphing handhelds, and more. transferred to and from a computer and printed or stored on disk. CBL/CBR Conic Graphing Inequality Graphing Probability Simulations Science Tools StudyCards TImeSpan Topics in Algebra 1, Chapter 5 Topics in Algebra 1, Chapters 1-4 Transformation Graphing with 10 digits plus a 2-digit exponent. expressions, and 3 recursively-defined sequences. time. and phase plots. integrals, and derivatives. drawn. reduced row echelon form, and elementary row operations. Convert matrices to lists and vice-versa. logistic, sinusoidal, median-median, linear, logarithmic, exponential, power, quadratic poly

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