In the crazy world in which we live, what can I do to actually be as supportive as I’m pretending to be? Don’t let some of the censure and targeting that may come your son’s way—however well-intentioned you believe yourself to be—start with his mother.
I truly do want him to be happy but I’m not going to lie: I truly wish he were dating a female. A: Societal judgment against gay and bisexual people is very real, and you’re not doing anything wrong by acknowledging its power and worrying about the effect said judgment might have on your son. If you find yourself overwhelmed by doubts and panic, please get yourself to an LGBT-friendly therapist and/or the nearest PFLAG meeting, because you need an outlet or two for those fears, preferably an outlet that you didn’t give birth to.
To meet these tough requirements borrowers have had to become savvy and get their finances in order well before they apply for a mortgage.
Most brokers recommend that this is done at least three months before lodging an application, but it can pay to change your spending habits up to a year in advance. Put all expenditure, except things that cost extra if you pay by credit card, on a credit card (preferably one that gives you cashback or some other incentive) and pay it off in full each month.
Shady people love to take advantage of tourists, and if you’re not careful, it’s easy to become a victim.
If parents or grandparents are helping with the deposit, it has to be via a gift rather than a loan for it not to affect the affordability assessment.As travelers, it is easy to think that we are smart enough to avoid getting ripped off. While it is nearly impossible to know when you will be scammed, it is important to know what kind of scams exist, and what to do should the situation arise.It sucks to get scammed by a stranger when you’re traveling on vacation.Parents must supply a letter declaring that it is a gift and will also have to provide evidence of where the funds are from, such as bank statements showing the transfer. The way you maintain your current account is very important and banks will ask for six to 12 months of statements to check this.So open a savings account with the bank you have your current account with and set an arrangement in place so that if you are going to go overdrawn your lender will automatically sweep the necessary funds over from your savings account to stop you going over your limit. Pay off loans and credit cards from savings so it is not considered committed expenditure, which would affect your income when the lender is calculating mortgage affordability. If you are self-employed talk to your accountant about maximising your verifiable income for accounting purposes at least 12 months in advance of making a mortgage application.