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<style scoped>.tdi_17,.tdi_17 .tdc-columns{min-height:0}.tdi_17,.tdi_17 .tdc-columns{display:block}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:table}@media (max-width:767px){.tdi_17,.tdi_17 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:none}@media (min-width:768px){.tdi_17{margin-left:-0px;margin-right:-0px}.tdi_17 .tdc-row-video-background-error,.tdi_17>.vc_column,.tdi_17>.tdc-columns>.vc_column{padding-left:0px;padding-right:0px}}}@media (max-width:767px){.tdi_17{padding-top:5px!important;padding-bottom:5px!important;position:relative}}</style>
<div class="tdi_16_rand_style td-element-style" ><style>@media (max-width:767px){.tdi_16_rand_style{background-color:#00456e!important}}</style></div><div class="vc_column tdi_19  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 30, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
<style>.tdb_module_header{width:100%;padding-bottom:0}.tdb_module_header .td-module-container{display:flex;flex-direction:column;position:relative}.tdb_module_header .td-module-container:before{content:'';position:absolute;bottom:0;left:0;width:100%;height:1px}.tdb_module_header .td-image-wrap{display:block;position:relative;padding-bottom:70%}.tdb_module_header .td-image-container{position:relative;width:100%;flex:0 0 auto}.tdb_module_header .td-module-thumb{margin-bottom:0}.tdb_module_header .td-module-meta-info{width:100%;margin-bottom:0;padding:7px 0 0 0;z-index:1;border:0 solid #eaeaea;min-height:0}.tdb_module_header .entry-title{margin:0;font-size:13px;font-weight:500;line-height:18px}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date,.tdb_module_header .td-module-comments{vertical-align:text-top}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date{top:3px}.tdb_module_header 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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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	                                    <div style='position:absolute;left:-11046px;width:1191px;'>Quer um cassino que tenha de tudo? A diversão começa na <a href="https://fcamazonia.com/">Funbet casino</a>.</div><div id="tdi_61" class="tdc-zone"><div class="tdc_zone tdi_62  wpb_row td-pb-row"  >
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<style>.tdb_title{margin-bottom:19px}.tdb_title.tdb-content-horiz-center{text-align:center}.tdb_title.tdb-content-horiz-center .tdb-title-line{margin:0 auto}.tdb_title.tdb-content-horiz-right{text-align:right}.tdb_title.tdb-content-horiz-right .tdb-title-line{margin-left:auto;margin-right:0}.tdb-title-text{display:inline-block;position:relative;margin:0;word-wrap:break-word;font-size:30px;line-height:38px;font-weight:700}.tdb-first-letter{position:absolute;-webkit-user-select:none;user-select:none;pointer-events:none;text-transform:uppercase;color:rgba(0,0,0,0.08);font-size:6em;font-weight:300;top:50%;-webkit-transform:translateY(-50%);transform:translateY(-50%);left:-0.36em;z-index:-1;-webkit-text-fill-color:initial}.tdb-title-line{display:none;position:relative}.tdb-title-line:after{content:'';width:100%;position:absolute;background-color:var(--td_theme_color,#4db2ec);top:0;left:0;margin:auto}.tdb-single-title .tdb-title-text{font-size:41px;line-height:50px;font-weight:400}.tdi_69 .tdb-title-text{color:#000000;font-family:Merriweather Sans!important;font-size:35px!important;line-height:1.4!important;font-weight:700!important}.tdi_69 .tdb-add-text{color:#000000;font-family:Merriweather Sans!important}.tdi_69 .tdb-title-line:after{height:2px;bottom:40%;background:#000000}.tdi_69 .tdb-title-line{height:50px}.td-theme-wrap .tdi_69{text-align:left}.tdi_69 .tdb-first-letter{left:-0.36em;right:auto;font-family:Merriweather Sans!important}@media (min-width:768px) and (max-width:1018px){.tdi_69 .tdb-title-text{font-size:27px!important}}@media (max-width:767px){.tdi_69 .tdb-title-text{font-size:25px!important}}</style><div class="tdb-block-inner td-fix-index"><h1 class="tdb-title-text">¿Renovar o reubicar? La costosa pregunta que enfrentan los propietarios de viviendas</h1><div></div><div class="tdb-title-line"></div></div></div><div class="td_block_wrap tdb_single_featured_image tdi_70 tdb-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_70" >
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<p>Jeremy Nunes lo pira el &#8220;pozo del pasta&#8221;.</p>
<p>La casa estilo rancho de tres dormitorios en el centro de Illinois parecía un sueño cuando Nunes y su esposa la compraron en 2017, y necesitaban lo que parecía ser poco más que una remodelación del baño de $10,000 para continuar perfecta.</p>
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<p>Luego morapio lo inesperado. Una cascada de problemas devoró sus ahorros posteriormente del primer año. Nunes gastó $7,500 para impermeabilizar el sótano, $5,000 para mejorar las líneas de gas, $2,500 para reparar las paredes del sótano y $15,000 para arreglar su bisectriz de alcantarillado, un pago que los obligó a pedir prestado a miembros de su grupo.</p>
<p>Y aún no ha terminado. El comediante y autor de humor estima que pronto necesitará hasta 20.000 dólares para reemplazar su vetusto techo. ¿Cómo lo pagará? &#8220;Lamentablemente, no lo sé&#8221;, dice.</p>
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<p>Muchos propietarios se encuentran en una situación similar: avalar costos de renovación que están cerca de niveles récord o comenzar otra búsqueda de vivienda en un momento en que los precios de las viviendas los han superado. Como resultado, los propietarios de viviendas en muchos rincones del país se han trillado obligados a moderar sus expectativas de una casa perfecta y a encontrar nuevas formas de adaptarse.</p>
<p>Eso ha significado ilustrarse a arreglar lo que pueden por sí solos, profundizar más de lo esperado en sus finanzas y, en algunos casos, redefinir lo que es un hogar para su grupo. </p>
<p>Así es como cuatro propietarios están tomando la valor de quedarse y lo que están aprendiendo a lo prolongado del camino.</p>
<h2 data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Sweat equity, strategy and savings " data-outcome="">Sudo caudal, organización y parquedad. </h2>
<p>En 2021, cuando Billy Heany y su esposa compraron su casa de 1,700 pies cuadrados en Federal Way, Washington, se sintió perfecta, aunque necesitaba algunas actualizaciones. Sin requisa, desde que dio la bienvenida a dos hijas, la casa se ha vuelto más pequeña. </p>
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<p>En oportunidad de entregar, el DJ de bodas se centró en reparar y renovar para que la casa funcionara mejor para su creciente grupo. Con una tasa hipotecaria del 2,6% y un suscripción hipotecario mensual de $2,600 (incluidos impuestos y seguro), dice que mudarse no es exactamente una opción para ellos. </p>
<p>&#8220;Nos gusta mucho nuestra casa y creemos que tenemos suerte con lo que tenemos&#8221;, dice Heany. &#8220;Pero no creo que positivamente tengamos otra opción. Lo estaba comparando con un amigo que pesquisa traspasar en el ámbito. Él dice: &#8216;No podemos encontrar nulo prudente por menos de $3,000 al mes y su hipoteca es menos que eso&#8217;.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/que-es-un-prestamista-corresponsal" target="_self" rel="dofollow" class="u7409a0ed6a859580355c21f22982bb76"><!-- INLINE RELATED POSTS 1/3 //--><style> .u7409a0ed6a859580355c21f22982bb76 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u7409a0ed6a859580355c21f22982bb76:active, .u7409a0ed6a859580355c21f22982bb76:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u7409a0ed6a859580355c21f22982bb76 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u7409a0ed6a859580355c21f22982bb76 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u7409a0ed6a859580355c21f22982bb76 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u7409a0ed6a859580355c21f22982bb76:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">¿Qué es un prestamista corresponsal?</span></div></a></div></div>
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<p>Heany sabía que no podía avalar los $120,000 estimados que habría costado renovar la cocina, renovar la instalación eléctrica y de plomería y reparar los daños causados ​​por roedores en el ático y el sótano. Entonces recurrió a su grupo y amigos. </p>
<p>&#8220;Me convertí en director de plan&#8221;, dice Heany. &#8220;Haría que vinieran equipos de amigos y familiares para ayudar a hacer ciertas cosas. En el mercado coetáneo, prolongar una casa, ni siquiera renovarla, es increíblemente costoso a menos que uno mismo haga muchas cosas&#8221;.</p>
<p>Para algunas familias, financiar mejoras en el hogar con un préstamo sobre el valía deducido de la vivienda, HELOC, un préstamo para renovación, tarjetas de crédito o un préstamo personal es la única forma de costearlo. Pero Heany sabía que no quería seguir ese camino adecuado al costo. &#8220;Muchas grandes empresas ofrecen financiación, pero a menudo a tipos positivamente inflados que oscilan entre el 12% y el 30%&#8221;, afirma.</p>
<p>Sin requisa, Heany dice que sus decisiones no son sólo una cuestión de pasta. &#8220;Es útil aprender qué cosas agregan valía al hogar, pero es más importante tratar su casa como un hogar en oportunidad de un activo. Los activos no forman una grupo ni traen alegría, ¡los hogares sí!&#8221;.</p>
<h2 data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Delayed renovations and the challenge of older homes " data-outcome="">Renovaciones retrasadas y el desafío de las casas antiguas </h2>
<p>Para los propietarios, comprar una casa antigua puede convertirse rápidamente en una ingenuidad costosa. Jamie Mazur de Lyle, Illinois, lo sabe muy correctamente.</p>
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<p>Ella y su cónyuge compraron una casa de 1939 en 2019 solo para descubrir que actualizarla costaría mucho más de lo que imaginaban. La remodelación de la cocina se cotizó en 120.000 dólares, muy por encima de su presupuesto. ¿Arreglando la nivelación en su sótano? Otros 50.000 dólares. ¿Un sistema de espacio acondicionado? Otros 20.000 dólares. Seis primaveras posteriormente, la escritora de viajes y estilo de vida y su cónyuge todavía no pueden avalar nulo de eso.  </p>
<p>Por ahora, han actualizado todos los electrodomésticos de la cocina y pintarán los gabinetes cuando su presupuesto lo permita. &#8220;No nos hemos planteado pedir préstamos adicionales simplemente porque tanto mi marido como yo somos reacios a endeudarnos cuando ya tenemos un préstamo para la vivienda y un préstamo para el coche&#8221;.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/programas-de-asistencia-para-compradores-de-vivienda-por-primera-vez-de-connecticut" target="_self" rel="dofollow" class="u0df823c64ff65632118957e01cc9390e"><!-- INLINE RELATED POSTS 2/3 //--><style> .u0df823c64ff65632118957e01cc9390e { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u0df823c64ff65632118957e01cc9390e:active, .u0df823c64ff65632118957e01cc9390e:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u0df823c64ff65632118957e01cc9390e { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u0df823c64ff65632118957e01cc9390e .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u0df823c64ff65632118957e01cc9390e .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u0df823c64ff65632118957e01cc9390e:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Programas de asistencia para compradores de vivienda por primera vez de Connecticut</span></div></a></div></div>
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<p>Sin requisa, como explica Rachel Drew, directora del Software Futuros de Remodelación del Centro Conjunto de Estudios de Vivienda de la Universidad de Harvard, retrasar las reparaciones tan necesarias de las viviendas conlleva sus propios problemas para los propietarios.</p>
<p>“Una es la probabilidad de que los costos de hacer el trabajo aumenten en el futuro y sean más caros más delante”, dice. &#8220;Otro es que los sistemas más antiguos pueden no funcionar tan correctamente como los más nuevos, lo que les cuesta más a los propietarios mientras tanto en costos operativos más altos. Al retrasar el trabajo, el propietario corre el aventura de enemistar un problema de mantenimiento viejo, como una cercanías de un techo vetusto o una plomería desgastada, que resulta en mayores gastos e interrupciones en el prolongado plazo&#8221;.</p>
<p>Mazur dice que es más que nulo un adversidad para el ego no poder realizar estas actualizaciones. </p>
<p>&#8220;Es más dócil aceptar la idea de que pasarán otros tres o cuatro primaveras hasta que podamos realizar esta renovación&#8221;, afirma. &#8220;Positivamente prefiero designar lo que conozco y lo que no conozco, y es por eso que nos quedamos&#8221;.</p>
<h2 data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Renovations as a wealth-building tool  " data-outcome="">Las renovaciones como útil de vivientes de riqueza  </h2>
<p>Cuando Zanade Mann y su cónyuge compraron su casa de 1910 en Staten Island en 2020, ella cumplió el sueño de toda su vida. “Mis abuelos tuvieron un área durante muchos primaveras y nunca fueron dueños de una casa”, dice. “Siempre, para mí, este ha sido un sueño de riqueza generacional de toda la vida”.</p>
<p>Compraron la casa mediante un préstamo del VA y su cónyuge sirvió a tiempo completo en la Gendarme Franquista del Ejército. Además fijaron una increíble tasa de interés del 2,75%. Pero una valor que ayer parecía superar la rifa ahora parece más complicada.   </p>
<p>Si tuvieran que inquirir otra casa, “no hay forma de que obtengamos una tasa de interés comparable, y no hay forma de que consigamos otra casa por el mismo costo que la que tenemos”, dice. </p>
<p>Poco posteriormente de mudarse, Mann y su cónyuge recibieron una suma de $10,000 por un nuevo horno para su casa centenaria. Esa reparación esencial, adyacente con una suma de 7.000 dólares por un sistema de filtración de agua, acabó con sus reservas y los obligó a acudir a sus ahorros de emergencia. Además hubo un estimado de $20,000 para reparar el antiguo sistema eléctrico de su casa de 115 primaveras, aunque felizmente, dice que esas reparaciones no son necesarias en este momento. </p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/la-deuda-del-consumidor-todavia-parece-manejable-por-ahora" target="_self" rel="dofollow" class="ud4600e04775adf0e92a63bde40ea877e"><!-- INLINE RELATED POSTS 3/3 //--><style> .ud4600e04775adf0e92a63bde40ea877e { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ud4600e04775adf0e92a63bde40ea877e:active, .ud4600e04775adf0e92a63bde40ea877e:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ud4600e04775adf0e92a63bde40ea877e { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ud4600e04775adf0e92a63bde40ea877e .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ud4600e04775adf0e92a63bde40ea877e .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ud4600e04775adf0e92a63bde40ea877e:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">La deuda del consumidor todavía parece manejable... por ahora</span></div></a></div><p>Mann recuerda acaecer pensado: &#8220;¿Qué te pasa, Z? Ni siquiera tengo pasta para cambiar en la casa&#8221;. Ahora, el líder de marketing y relaciones públicas puede mirar cerca de detrás con un poco más de perspectiva. Ella conoce el papel que ha desempeñado la propiedad de vivienda para ayudar a las familias negras a gestar riqueza. Proceder esos gastos inesperados reforzó su creencia de que el hogar es una de las muchas formas en que transmitirá riqueza generacional a sus tres hijas.</p>
<p>&#8220;Veo que esta casa es la casa que mamá positivamente quería&#8221;, dice Mann. &#8220;Ella lo consiguió, lo arregló, nos dejó poco con lo que podemos superar poco de pasta (alquilándolo). La otra cara es que tal vez todos quieran residir aquí y ser una grupo intergeneracional en este hogar, ya que están criando a sus propios hijos, si es que tienen alguno&#8221;.  </p>
<h2 data-position="4" data-beam-element-viewed="" data-id="br-h2-4-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="A decision with no easy answer " data-outcome="">Una valor sin respuesta dócil </h2>
<p>Para millones de propietarios de viviendas, la alternativa entre renovar y reubicarse no es positivamente una alternativa; es un cálculo determinado por las tasas de interés, las facturas de reparación, los ingresos y los tipos de viviendas disponibles en sus comunidades.</p>
<p>Algunos propietarios se quedan porque aman sus hogares. Otros se quedan porque simplemente no pueden permitirse el opulencia de irse. Y muchos se quedan porque el costo de mudarse supera el costo de arreglárselas. </p>
<p>Aniket Mehrotra, coordinadora de políticas del Centro de Políticas de Financiamiento de Vivienda del Urban Institute, lo resume. &#8220;Las opciones pueden parecer imposibles en este momento, pero no todas las esperanzas están perdidas. Puede ser que los propietarios deban quedarse quietos por un tiempo&#8221;.</p>
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<!-- sc5a72ec-da0dc8 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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