March - Thaiveedu

jha;tPL • khu;r; 2008
“0” lTdpy; nrhe;jtPL:
- 11 -
MNuhf;fpakhd rpe;jidah?
fUzh
Nfhghygps;is
- tPL tpw;gid Kftu; -
thrf thrfpfSf;F tzf;fk;. ,t;tpdh
Tk; tpilAk; gFjp %yk; ,ize;J
nfhs;tjpy; ngWfpd;w epiwittpl
ePq;fs; jUk; MjuT kw;Wk; jukhd
tpdhf;fs; kPz;Lk; kPz;Lk; cq;fs;
jhfj;jpid jzpf;fj;Jhz;Lfpd;wJ. ed;wp
thrfHfNs> ,k;khjj;jpw;Fhpa re;Njfq;
fisAk; mjw;fhd tpilfisAk; fhz;
Nghk;.
vdJ tPL thq;fpaNghJ ehd;
Kw;gzk; nrYj;jpapUe;Njd;. ,g;
NghJ ehd; nrYj;jpa gzj;
jpid HOME EQUITY LINE OF CRED-
IT Kiw %yk; kPsg; ngw
KbAkh?
K.fz;kzp Brampton.
,f;Nfs;tpf;Fhpa gjpiyj; jUtjw;F
NkYk; gy jfty;fs; Ntz;Lk;. ,Ug;
gpDk; xU mDkhdj;jpy; tpil fhz;
Nghk;. ePq;fs; Kw;gzkhf nrYj;jpa
njhif tPl;bd; tpiy mjpfhpg;G kw;Wk;
ePq;fs; thq;fpa fhyj;jpy; ,Ue;J kPs
nrYj;jpa njhif vd;gtw;iwg; nghWj;J
KbAk; vd;Nw $wyhk;. mjhtJ ,d;iwa
ngWkjpapd; 25%f;Fk; Nkw;gl;l
nrhj;J tPl;bd; ngahpy; ,Ug;gpd;
,k;Nkw;gl;l nrhj;jpid Home Equity
Line of Credit(HELOC)%yk; ngwKbAk;.
tPl;bd; ,d;iwa ngWkjp cq;fs; njU
tpy; my;yJ maypy; jw;Nghija fhy
fl;lj;jpy; re;ijg;gLj;jg;gl;l tPLfis
xj;Jf; fhzg;gLk;. ,jw;fhf XH
APPRASOR my;yJ tPL tpw;gid
KftHfis ehlyhk;.
tPL thq;Fk;NghJ HOME INSPEC-
TORS fspd; Nrit vd;d? tPl;b
id ghpNrhjid nra;tjd; mt
rpak; vd;d?
R. fhz;Bgd;> ];fhGNuh.
‘curpg;ghHj;J thq;f Ntz;Lk;’ vd;W
nrhy;YthHfs;. mjhtJ ePq;fs;
thq;Ffpd;w nghUs; jukhdjh vd;g
jid mDgtKk; mwpTk;> ghPl;raKk;
gapw;rpAk; cs;s xUthplk; njhpe;J
nfhs;tJ rpwe;jJ. nghJthf tPl;Lg;
ghpNrhjfHfspd; flikfs; gw;wpg; ghHg;
Nghk;. cq;fs; tPL vy;yh tpjj;jpYk;
ghJfhg;ghdjh? kw;Wk; ghhpa jpUj;j
Ntiyfs; cz;lh vd;gjid Nrhjpj;J
ghHg;gNj mtHfspd; flik. tPl;bd;
mikg;G> fl;bl juk;> kw;Wk; cgfu
zq;fspd; njhopw;ghL> fhy epiyf
Sf;F kpd;rhu gFjp> jz;zPH
(#L/FspH) kw;Wk; toq;fpfs; kl;L
ky;yhky; ‘m’ njhlf;fk; / tiu
Nrhjpj;J> tUk; fhyq;fspy; vt;thW
guhkhpf;f Ntz;Lk; vd;gjidAk; njhpe;J
nfhs;s Ntz;Lk;.
vdJ tPl;bd; ngWkjpia mjpf
hpg;gJ vg;gb? mjw;fhf ehd;
vd;d eltbf;iffs; vLf;fyhk;.?
K.V. Nfhgp. Brmpton .
Kjyhtjhf tPl;bd; tpiy mjpfhpg;G
nghUshjhu kw;Wk; re;ij epytuj;
jpNyNa jq;fpAs;sJ. khwhf NkYk;
gy fhuzpfs; ,jw;F JizNghfpd;wd.
tPl;bd; juk;> Fwpg;gpl;l ju caHTfs;>
may;/#oy; kw;Wk; ghJfhg;G Nghd;w
it. mjp$ba gq;F tpiy mjpfhpg;G
re;ij epytuj;jpy; jq;fp ,Ue;jhYk;
tPl;Lf;Fs; ePq;fs; Vw;gLj;Jk; ju caH-
Tfs; gw;wp ‘Remodeling magazine’apd;
mwpf;ifapd; gpufhuk; ‘Cost Vs Value’
Kiwg;gb Fspayiw kWrPuikg;G 81%
kPsspg;Gk;> Gjpjhf Fspayiw epHkhdpg;G
89%Kk;’ mastebedroom Fspa
yiw kWrPuikg;G 82% kPspg;Gk;
jUfpd;wJ. ‘Quality pays’ vd;gjw;fpzq;f
rikayiw> Fspayiw kw;Wk; jiu
fs;> [d;dy; kiwg;Gf;fs; Nghd;wtw;
iwAk; uridAld; myq;fhpj;jy; ngW
kjpNaw;wj;jpw;F topNfhYk;. ghJfhg;
ghd #oy; kw;Wk; Fw;wr;nray;fs;
,y;yhj #oy;fSk; tpiy jho;tpid
Vw;gLj;jhJ.
Home Warranty vd;gJ gw;wp ehd;
mwpe;J nfhs;s Ntz;baJ
vd;d? nghJthf vtw;wpw;nfy;
yhk; ,it cjTfpd;wJ?
B.&gd;> ];fhGNuh.
‘Warranties’ vd;fpd;w gjk; EfHNthiu
ftHtjw;fhf mwpKfg;gLj;jg;gl;lJ.
VjhtnjhU nghUis nfhs;tdT nra;
Ak; Ntisfspy; ePq;fs; nfhs;tdT
nra;j fhyj;jpy; ,Ue;J cgNahfj;jpy;
,Uf;Fk; fhyNtisfspy; mg;nghU
Sf;F gOjiljy; kw;Wk; Nrjq;fs;
Vw;gbd; cw;gj;jpahsHfNsh my;yJ
tpw;gidahsHfNsh ,ytrkhf rPuikj;J
jUjy; MFk;. tPLfSf;Fhpa
Warranty fl;bl gFjpfspy; Vw;gLk;
Nrjq;fs; kw;Wk; Heater/AC Nghd;wtw;wpy;
tUk; jpUj;jNtiyfs;. mLg;G>
FspHrhjdg;ngl;b kw;Wk; tPl;Lf; fhg;G-
Wjpapdhy; rhpnra;a Kbahj Kf;fpa
gFjpfs; Home Warrantyapdhy; ghJfhf;fg;gLk;.
,t; warrantyahdJ xd;W my;yJ
,uz;L tUlq;fs; tiu mjhtJ
tiuaWf;fg;gl;l fhy msTf;Nf
fhzg;gLk;. xUtH tPL thq;fpaTld;
vjpHghuhj nrytPdq;fs; jpUj;jNtiy
fSf;F nrytpLjy; vy;NyhuhYk; Kbahjnthd;W.
warranty cld; thq;Fk;
NghJ ,it nghpJk; cjTk;. kl;Lky;
yhJ Gjpjhf epHkhdpf;fg;gLfpd;w
tPLfSf;Nf ,it nghUe;Jk;.
tPPL thq;Ftjw;fhf XH ,lj;jp
id vt;thW njhpTnra;tJ?
g.n[ae;jd;. Brampton.
Select a community that will allow you to
best live your daily life vd;gJ Nghy>
ehshe;jk; nrsfhpfkhd tho;f;ifj;
juj;jpid ngwf;$ba gFjpiaNa
NjHe;njLj;jy; Ntz;Lk;. mNdfH
gps;isfspd; ghlrhiyfis mz;b
,Ug;gH. rpyH jkJ Ntiyapd; epkpHj;jk;
,lk; NjLtH. kw;Wk; rpyH NgUe;J
trjpfSld; $ba gFjpia tpUk;GtH.
cq;fs; njhpT Njitapd; epkpHj;jNkh
my;yJ tpUg;gpd; epkpHj;jNkh ,Uf;f
yhk;. Mdhy; XH ey;y #oy; njhpT
vd;gJ tPl;bd; tpiyAaHr;rpf;F kl;L
ky;yhJ cq;fs; kd mikjpf;Fk; top-
NfhYk;. XH #oy; gw;wp mwpe;Jnfhs;tjw;F
mr;#oy; rhHe;jtHfs; jtpHe;J
ahH jhd; jpUg;jpahd tpsf;fk; juKb
Ak;. Kbe;jtiu ePq;fs; njhpT nra;Ak;
#oy; gw;wpa tpguq;fis jpul;ba
gpd;dH cq;fs; njhpTfis Nkw;nfhs;syhk;.
‘0 down,y; tPL thq;FtJ cq;f
is ePq;fNs mopj;Jf; nfhs;t
jw;F rkd;’ vd;W nrhy;fpwhu;fs;.
cd;ikjhdh?
fpUgh fe;ijah> Nehj;Nahf;.
“fz;bg;ghf. ,g;gbj;jhd; thoNtz;Lk;
vd;W tpUk;Gfpd;w rKjhaj;jpy; vg;gb
Ak; thoyhk; vd;gtHfSk; ,Uf;fj;
jhNd nra;fpd;whHfs;. ,g;gbj;jhd;
thoNtz;Lk; vdj; jpl;lkpLq;fs;.”
nghUshjhu tsHr;rp tPl;L tsHr;rpf;F
topNfhYfpd;wJ. tUlhe;j tPl;L ruhrhp
tsHr;rp mz;zsthf 5%khf fzf;fplg;gl;Ls;sJ.
khwhf 3-4 tUlq;fspy;
ehk; 25% tsHr;rpiaAk; fz;bUf;fpd;
Nwhk;. mt;thwhd fhyq;fspy; ePq;fs;
0 down,y; thq;Fk; tPLfSf;F tl;b
tPjk; mjpfkhf ,Ue;jhYk; mjPj
tpiyAaHr;rp rPHnra;Ak;. khwhf ruhrhp
tPL - tpdhTk; tpilAk;
ahd fhyq;fspy; ehq;fs; ghHf;fpd;w 0
down vt;thW vk;ik ghjpf;fpd;wJ
vd;W ghHg;Nghk;.
Hihf satio matfafe vd;W miof;fg;gL
fpd;w 20% KjyPl;Lf;F Fiwthd
KjyPL cs;s matfafe ,id ngWk;
NghJ HIGH RATE INSUARANCE vd;W
miof;fg;gLk; fhg;GWjp ngwg;gLfpd;
wJ. ,f;fhg;GWjp gzj;jpd; msT
ePq;fs; KjyPLfpd;w njhifiag;nghWj;J
khWgLk;. ,Ug;gpDk; 5%tiu KjypLgtHf;fhd
fhg;GWjp RkhH 2.75% (nkhj;j
njhif),id tpl mjpfhpg;Gf;F rhj;jpa
kpy;iy. khwhf 0 down Kiw%yk;
,f;fhg;GWjpj; njhif RkhH 6% tiu
$l mwtplg;gLtJ kl;Lky;yhJ>
khjhe;j tl;b msTk; ruhrhpahf mwtp
lg;gLtij tpl rw;W mjpfkhfTk;
mNdf fld; toq;Fk; epWtdq;fspd;
fbd Ra fl;Lg;ghl;L tpjpfSf;F mik
thdjhfTk; fhzg;gLk;. (Best enhancement)
rYiffs; Fiwe;j ,k;Kiw
apid njhpTnra;J ehsiltpy; ehk;
kw;wtHfis tpl mjpfnrytpy; XH
ruhrhp trjpia ngwNtz;ba epHg;ge;jk;
Vw;gLk;. fld; toq;Fk; tq;fpfs; kw;Wk;
epWtdq;fspd; nfhs;ifg;gb best return
– Hifh risk Hifh return vd;W nrhy;YthH
fs;. mtHfs; 0 down,y; XH MORT-
GAGE,id jUtJ mtHfisg; nghW
j;jtiu High risk vd;gJ fz;$L. ,e;j
tifapy; High return ngWtjw;Fk; mtH
fs; jFjpahfpd;whHfs;. me;j High
return nrYj;Jgthfs; ehq;fs; vd;fpd;w
gl;rj;jpy; mJ vk;ik ehNk mopj;Jf;
nfhs;tJ Nghyy;yth?
ed;wp. thrHfNs! cq;fs; jukhd tpdhf;fs;>
re;Njfq;fis njhlHe;Jk; mDg;gpit
Aq;fs;. kl;Lky;yhJ cq;fs; comments
ck; tuNtw;fj;jf;fJ. kPz;Lk; ntsp
tUk; ,jo;fspy; ,ize;Jnfhs;Nthk;.