Summarize the following:
Start by looking at what you pay in rent now. That's a good starting place to figure out what you can pay on a mortgage. However, you also must consider what you can get approved for. Generally, you'll only get approval for a monthly mortgage payment that's 30% to 35% of your pretax income. So if you're making $3,500 a month, you can be approved for a payment that's $1,050 to $1,225. If you have more than one borrower, both incomes count towards the total. When you have a house, your monthly payment consists of more than just the mortgage payment. You pay property taxes, which can vary widely based on where you live. You'll also pay homeowners insurance.  If you put less than 20% down on your house, you will likely need to buy private mortgage insurance (PMI). This protects the lender if you default on the house. Once you pay 20% of the mortgage or you have 20% equity in the home, you no longer need to pay this. You may also need to budget for items like homeowner's association fees and maintenance on the house. You may also need special insurance, such as flood insurance, based on the location of the home. Some properties may be subject to special fees or assessments from your county, such as an irrigation assessment. These can add hundreds of dollars to fees each year and may be included in your mortgage. You can find a wide variety of mortgage calculators online, which can help you navigate your budget. However, you'll need relevant numbers for your area, such as property tax information and the basic cost of homeowners insurance. Try one like https://www.mortgagecalculator.org/. A mortgage calculator tells you how much you can spend on a house for the monthly payment you want. If you're a first time home buyer or a veteran, you may be able to get a special loan that doesn't require a down payment. However, you generally want a down payment of 20 percent of the price of the house. Even if your loan doesn't require a down payment, it's a good idea to make as big of a down payment as you can, as the more you pay upfront, the less you'll pay over the life of the loan. Sometimes, you can have a lower down payment, but then you must purchase private mortgage insurance (PMI) to get approved.

summary: Take a hard look at your budget. Remember your payment is more than the mortgage. Use a mortgage calculator. Save for the down payment.


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As of the release of Google Chrome 76 (July 2019), Flash is no longer on by default in Google Chrome. Additionally, Chrome no longer allows you to save your Flash preferences after you close the browser. You can still display Flash on sites you trust on a per-site basis. Some sites that display Flash will show you a box with a puzzle-piece icon, asking you to enable Flash. If you see this message, click Click to enable Adobe Flash Player to display Flash now. If not, continue with this method. One of these two symbols will appear in the address bar at the top of the browser just left of the URL. A window will expand. This opens a new browser tab. This permits Flash to run on the page this browser session. Click the X on the new browser tab to close it when you're finished. A menu will expand. The page will now reload and display any Flash content that was previously hidden.

summary: Visit a site that has Flash content. Click the padlock or "i" in a circle. Click Site Settings on the window. Scroll down and select Allow from the "Flash" menu. Right-click the webpage with Flash. Click Reload.


Summarize the following:
Though men may like the designer stubble look for several reasons, you should especially consider it if you’re prone to shaving irritation and ingrown facial hairs. Maintaining the hairs at a short length can help clear up skin, and it can also give baby-faced men a more rugged, handsome look. Some men may think they can’t pull off stubble due to sparse or patchy facial hair growth. When shaving every day or two, this can be hard to determine since some hair may simply grow more slowly. Stop shaving longer than you normally would—up to a week even—and decide then if you believe your hair growth can warrant a stubble look. If you’re looking for a truly low-maintenance facial hair style, then the stubble look may not be for you. Though you don’t have to tend to stubble every single day, you’ll still have to clean it up approximately three times a week, and the process can potentially take longer than regular shaving alone.
summary: Decide your face type. Stop shaving to gauge your beard growth. Be prepared to maintain it.