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Home prices in the Untied States continue to soar Cheap Frank Ragnow Jersey , and the remarkable run of real estate as the 'must have? investment continues. The median price of a new home, which only recently crossed the $200,000 barrier, is now $215,000. The high prices of homes haven't deterred buyers; sales in June reached a record number of units. There is some concern in Washington about the explosive real estate market Cheap Marvin Jones Jr Jersey , and Federal banking regulators issued lending guidelines in May that urged lenders to be more cautious when lending money for home purchases. How have lenders responded to these guidelines?

They have made it even easier to borrow money.

It seems rather odd for lenders to make it easier to lend money after having been warned that they've been lending money too easily, but that's exactly what has happened. Some banks have lowered the minimum credit score necessary to obtain a home loan or increased the percentage of income that may be spent on a mortgage. Others have introduced loans that require no proof of income. Still others have begun offering a wider variety of no-interest loans and dangerous Option ARM loans, which can actually raise the principal of a loan after a buyer makes a payment. Why are lenders easing loan restrictions after being warned that they are too lenient?

The primary reason is competition. The market is red hot right now, and due to the fluctuations in the stock market in the last five years, everyone wants to invest money in real estate. With so many people flocking to borrow money Cheap Darius Slay Jr Jersey , lenders want to do as much business as possible. They also want to do more business than their competitors. By lowering qualifying standards, lenders can lend more money. It's that simple.

There are several problems with this scenario. Some percentage of buyers will always default on their mortgages. When the standards for obtaining a loan are lowered, that percentage will certainly increase. While foreclosures currently remain low, they combination of lowered standards and rising prices will certainly contribute to an increase. An expected increase in interest rates would make the situation worse.

The effects of these changes in lending can be felt by most anyone. If you are considering buying a home with a mortgage, be careful. Don't automatically assume that you will be comfortable making a $3000 house payment just because the lender tells you that you ?qualify? for it. You must still leave within your own means Cheap Matthew Stafford Jersey , and the mortgage broker isn't really concerned about that. He or she just wants to sell the loan, and doing so may not be in your best interest.

If you are going to take out a home loan, create a budget and determine how much you can comfortably pay each month. That figure will undoubtedly be less than what your broker is willing to offer. Stick with your own figure, and don't let the fever of the marketplace sway you. After all, you are the one who has to make the payment each month.

We live in a time where different kinds of news reach to us through different platforms in different ways. When we switch on the TV Cheap Ziggy Ansah Jersey , we see in some news channels the news anchors are slamming the politicians, as we keep changing the channels we see some are presenting breaking news of the time, some are showing us live telecast of terrorist attack or any rescue operation, some are telling us about sports or some are giving us new topics to gossip about the personal lives of film stars. We get news though newspaper and internet as well. But you will be amazed by knowing that a team of hundreds or more people work day and night to present a news report of one hour or to write a news of 2-3 para graphs. Due to the reckless effort of these people journalism has emerged as the fourth pillar of democracy. Journalists are those professionals who keep the public aware and work as the watch-dogs of society. It requires a great sense of responsibility and devotion to truth to become a journalist because common people blindly trust what they say. Journalism and Mass communication is that career path which gives fame, prestige and money at a time that is why career in journalism engrosses many students towards it. And many students who don have much idea about this course would get a clear idea after reading this article.

Journalism is the activity of gathering Cheap Austin Bryant Jersey , analyzing, creating, and presenting news and information to a large group of audience. It is a distinct form of communication where the journalist delivers a one-way message, or story to the audience as per his or her observations and discoveries on a particular happening. This type of storytelling is presented in different forms, like: Breaking news Cheap Will Harris Jersey , Feature stories, Investigative reports, Editorials, Reviews, Blogs.

Whereas Cheap Jahlani Tavai Jersey , Mass communication is the process of conveying message through the channels of communication including broadcast television, radio, social media, and print media to a large group of anonymous and heterogeneous audience. Even though journalism and mass communication are two different aspects but they are inter related and interdependent on each other.

Eligibility and skills required for journalism and mass communication-

The minimum eligibility required to get admission into the bachelor degree in journalism is 10+2 certificate from any recognized board (having an aggregate of 40%). For the Post graduate degree courses, the minimum qualification a graduate degree. A student from any stream (science Cheap T.J. Hockenson Jersey , commerce or arts) is eligible to apply for mass communication courses in India. Some institutes also offer one year certificate courses in journalism for which eligibility is 10+2. Apart from this every institute and universities conduct their separate entrance exams includes interviews, group discussion, and written tests to determine one eligibility for the course.

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