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When it comes to buying or renting, ______all play a role.
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更多“When it comes to buying or ren…”相关的问题
Buying a Home
To Buy or to Rent
According to Canada Mortgage and Housing Corporation (CMHC) , 37 percent of Canadian renters could afford to buy a home. But when it comes to buying or tenting, age, lifestyle, whether or not you're a parent, even where you live, all play a role. This was among, findings of a late 1990s study by the CMHC, which wanted to know why, in Quebec, so many 25-to 34-year-olds--the so-called Generation X--were tenants rather than homeowners. At the time, 56 percent of this age group outside Quebec owned their homes, a figure that dropped to 34 percent in Montreal. CMHC's Kim-Anh Lam explained: "When we asked about their priorities, Gen Xers placed housing fifth--after recreational activities, retirement planning, consolidating their jobs, and repaying their debt." However, home ownership became a priority once a couple became serious, or the first child arrived.
Most experts agree that renting makes sense if you're highly mobile and don't want to be burdened with the slow pace of the buying and selling process, or if you can't or don't want to take on the long-term financial commitments of a mortgage and home maintenance. Renting may be necessary in order to save for the 10 to 20 percent down payment needed to buy a home.
Whether you buy or rent your home, you should use no more than 35 percent of your income on housing, including rent or mortgage, utilities, insurance, and repair. Most banks recommend that no more than 30 percent of your income should support a mortgage, and no more than 40 percent should go to a mortgage and other debt.
Offer to Purchase
Home buyers sometimes get stung because they or their representatives fail to include important conditions in the offer to Purchase , or, as it is sometimes called, the Agreement of Purchase and Sale. Your offer can be conditional-it is good only on condition that you obtain mortgage financing, or the house passes a home inspection or a termite check. In Homebuying Step by Step: a consumer guide and workbook, the CMHC recommends your offer also include:
Basic details such as your legal name, the name of the vendor, and the legal and civic address of the property.
The purchase price and all financial details included in this should be the amount of the deposit and any interest to be paid on it. You may also want to spell out the specific amount of penalty should you wish to back out of the deal.
The chattel or items in the home which are included in the purchase price. This may include window coverings, appliances, a satellite dish, carpeting, bookcases, or a backyard swing.
Enumerate all of them, and stipulate that everything in the house--all appliances and systems--be in working order at the time of closing of title.
Date of closing and taking possession--usually 30 to 60 days from the date of the agreement, but it can be longer.
Request for a current land survey of the property.
Date and time at which the offer becomes null and void. A 48-hour limit on the seller's response time to your offer is reasonable.
For Buyers only
A typical real estate transaction often begins when prospective buyers drive by a house that looks appealing, take down the name of the real estate agent listed on the sign in the yard, and call that person for an appointment. The only problem, That agent--usually the listing agent--works for a commission paid by the seller, and the agent's legal responsibility is to get the best price possible for the current homeowners, not the prospective buyers.
Common sense calls for buyers to be honest about their priorities, preferences, and price range. But since the agent's commission comes from the vendor, and since this money is a percentage of the sale price, it is entirely possible that any information the buyers reveal to the agent--
A．Y
B．N
C．NG
One day, at a railway station, one of his friends lost his wallet and asked Mark Twain to pay the train fare for him.
"Sorry, I don't have enough money to pay both your fare and mine." Mark Twain said The friend did not know what to do.
"We can do this. "Mark Twain said after a while, "You can get on the train and when the conductor comes to check the tickets, you can hide under my seat."
Later, however, when the conductor came to check the tickets, Mark Twain gave him two tickets--one for his friend and the other for himself. Then he explained in a loud voice, "My friend here is a strange man. When he travels in the train, he does not like to set on the seat. He prefers to lie on the floor under the seat. "Of course, everyone in the compartment (车厢)looked at the poor man under the seat mid laughed at him loudly.
This passage is about ______.
A．why Mark Twain refused to buy a ticket for his friend
B．how Mark Twain and his friend traveled on the train
C．how Mark Twain's friend lost his wallet
D．a joke Mark Twain played on one of his friends
听力原文：W: Excuse me. Do you live here？
M: Yes, I've lived here in Edinburgh all my life. My name's Rory McDonald. How do you do？
W: Hi, I'm Chris Hudson from Phoenix, Arizona. I'm an oil engineer. I'm on my way to London on business.
M: How long are you staying in Edinburgh？
W: Just a day. What can I see here in twenty-four hours？
M: Well, most tourists want to visit the Castle. It's on Castle Rock. It's where the Scottish government used to be. From there you can walk down tile Royal Mile.
W: What's the Royal Mile？
M: It's a narrow street of medieval houses. It's worth seeing. Then you really should visit Holyrood Palace.
W: Who lives in the Palace？
M: No one, except the Queen when she comes to Edinburgh, which is usually once a year. But the kings and queens d Scotland used to live there before Scotland was united with England,
W: When was that？
M: That was...er, let me see...in 1603.
W: You seem to know a lot about Scottish history.
M: Aye, well, I'm a McDonald of the McDonald clan. You know there are clans in Scotland, and we are all proud of our history.
W: Does that explain the kilt you're wearing？
M: Aye. Each clan has a special kilt.
W: I'd like to buy a kilt for my husband.
M: You can buy them in Prince Skeet. It's the best street for shopping.
W: What else should I buy？
M: Why don't you buy some sweaters？ Scottish sweaters are famous for their quality. And you must buy some whiskey. Of course you know that's our national drink.
W: Yes, I've already bought the whiskey.
M: Good. But remember you mustn't put ice in it. That spoils the flavor!
W: Oh，we Americans put ice in everything!
(23)
A．A foreign tourist and his Scottish guide.
B．An American businessman and a Scottish student.
C．An American engineer and a Scottish citizen.
D．An American customer and a Scottish shop-assistant.
听力原文：There comes a rumor that Google has announced it's going to buy Yahoo.
(A) She said she would start to do it soon.
(B) I'm not that surprised.
(C) Yes, they're on the Wall street.
(14)
A．
B．
C．
What does the man probably mean？
A．She comes just in time to buy the workbook.
B．The workbooks have been sold out.
C．The bookstore has already closed.
第二节 短文理解1
阅读下面短文，从[A](Right)、[B](Wrong)、[C](Doesn't Say)三个判断中选择一个正确选项。
Mark Twain was a famous American writer. He wrote many famous stories and they are still told in many countries today. Mark Twain always liked to tell funny stories. He also liked to listen to funny stories and to play jokes(开玩笑)on his friends. One day, one of his friends didn't have money and asked Mark Twain to pay for his train ticket.
"But I don't have enough money to buy both your ticket and mine, "Mark Twain said.
The friend did not know what to do. He was very sad. "We can do this, "said Twain. "We can get on the train first and when the conductor(售票员)comes to take the tickets, you can hide (躲藏)under my seat. "
Later, however, on the train, when the conductor came to take the tickets, Mark Twain gave him two tickets—one for himself and one for his friend. Then Mark Twain said, " My friend here is a very strange man. When he travels on a train, he does not like to sit on the seat. He likes to lie on the floor under the seat. "
Everybody on the train then looked at the poor man under the seat and started to laugh.
Mark Twain was good at telling stories and playing jokes.
A．Right
B．Wrong
C．Doesn't say
第二节 短文理解1
阅读下面短文，从[A](Right)、[B](Wrong)、[C](Doesn't Say)三个判断中选择一个正确选项。
Mark Twain was a famous American writer. He wrote many famous stories and they are still told in many countries today. Mark Twain always liked to tell funny stories. He also liked to listen to funny stories and to play jokes(开玩笑)on his friends. One day, one of his friends didn't have money and asked Mark Twain to pay for his train ticket.
"But I don't have enough money to buy both your ticket and mine, "Mark Twain said.
The friend did not know what to do. He was very sad. "We can do this, "said Twain. "We can get on the train first and when the conductor(售票员)comes to take the tickets, you can hide (躲藏)under my seat. "
Later, however, on the train, when the conductor came to take the tickets, Mark Twain gave him two tickets—one for himself and one for his friend. Then Mark Twain said, " My friend here is a very strange man. When he travels on a train, he does not like to sit on the seat. He likes to lie on the floor under the seat. "
Everybody on the train then looked at the poor man under the seat and started to laugh.
Mark Twain was good at telling stories and playing jokes.
A．Right
B．Wrong
C．Doesn't say
What didn't the man know before he comes to buy the book？
A．Medical books are expensive.
B．Books also have taxes.
C．He needs to pay extra money for the tax of the book.
D．All the above.
The name Hallowe' en comes from the original "hallowed" (or holy) "evening". Many of the customs of Hollowe' en date back to ancient times when people believed in magic and superstition.
In ancient Ireland, people believed that on this night the dead could return to earth as witches, ghosts, black cats or in other strange forms. These creatures would perform. all sorts of wicked mischief. They were creatures of the night, and any form. of light was a protection against them. People made special lanterns, which they placed by windows and doors to keep the evil spirits away. In time, these lanterns came to be made out of hollowed-out pumpkins with a scary face carved on one side and a candle placed in the center. These are known as "Jack-o'-lanterns."
Hallowe' en superstitions were brought over to America in the nineteenth century and have now been trans formed into a creative seasonal celebration. Children dress up as ghosts and witches. On the evening of October 31st, they nm from house to house calling out "nick or treat." Neighbours give them candy ("treats") and if they do not the children might play a "trick" on them, like dusting flour over their doorstop; or making a lot of noise outside their windows. Adults also dress up and go to costume parties where they might receive prices for the best or scariest costume.
People decorate their houses with cut-outs of ghosts, witches, skeletons and spiders' webs, as well as beautifully carved pumpkins. Stores sell all sorts of goods in the typical Hallowe' en colors of orange and black. You can also buy pumpkin pie, pumpkin cookies and even pumpkin ice cream!
Hallowe' en might began in ______.
A．the 19 th century
B．ancient Ireland
C．America
D．England
What didn't the man know before he comes to buy the book？
[A] Medical books are expensive.
[B] Books also have taxes.
[C] He needs to pay extra money for the tax of the book.
[D] All the above.
The beginning of the ride is comfortable and somewhat exciting，even if you've traveled that way before．Usually some things have changed-new houses，new buildings，sometimes even a new road．The bus driver has a style. of driving and it's fun to try to figure it out the first hour or so．If the driver is particularly reckless or daring，the ride can be as thrilling as a suspense story．Will the driver pass the truck in time？Will the driver move into the right or the left-hand lane？After a while，of course，the excitement dies down．Sleeping for a while helps pass the middle hours of a ride．Food always makes bus rides more interesting．But you've got to be careful of what kind of food you eat．Too much salty food can make you very thirsty between stops．
The end of the ride is somewhat like the beginning．You know it will soon be over and the hours have passed．By now you've sat with your legs crossed，with your hands in your lap，with your hands on the arm rests-even with your hands crossed behind your head．The end comes just at the right time．There are just no more ways to sit．
According to the passage，what do the passengers usually see when they are on a long bus trip？
A．Buses on the road．
B．Films on television．
C．Advertisements on billboards．
D．Gas station．
