But "afford" isn't as simple as what's in your bank account right now. A host of other financial and lifestyle considerations should figure into your calculations. When you factor in all these elements, "if you can afford to do it" starts looking more complicated than it first appears to be. But considering them now can prevent costly mistakes and financial problems later.
Of course, there is one best time to pounce: When you find the perfect house in the perfect place for sale—at a perfect price. Department of Housing and Urban Development. Borrower Qualifying Ratios ," Page 4-F Accessed Jan. Federal Trade Commission. Freddie Mac. Internal Revenue Service. Purchasing A Home. Your Money. Personal Finance. Your Practice. Popular Courses. Part Of.
Getting Started. Finding Your Home. Protect Yourself. Mortgage Basics. The Buying Process. Home Ownership Purchasing A Home. Table of Contents Expand. What Mortgage Lenders Want. Can You Afford the Down Payment? The Housing Market. The Economic Outlook. Consider Your Lifestyle Needs. Selling One Home, Buying Another.
Do You Plan to Stay Put? The Bottom Line. Beyond the property's price tag, a host of other financial and lifestyle considerations should figure into your calculations as to whether you can afford to buy a house.
You should also evaluate the local real estate market, the economic outlook, and the implications of how long you want to stay put. You'll also need to consider your lifestyle needs, present, and future.
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Forgot your password? Retrieve it. Get promoted. Powered by OnRad. Think you know music? Test your MusicIQ here! In Lyrics. By Artist. By Album. About Are You Ready? Genre: Rock. Style: Blues Rock. Let me share just three essentials—as taught by living prophets and the scriptures—each of which will bless our lives as they are applied:. Since his calling as prophet, seer, and revelator and president of The Church of Jesus Christ of Latter-day Saints, President Nelson has taught both directly and indirectly regarding the importance of the temple and the sacred ordinances in which we participate and the sacred covenants we make.
He has taught directly by what he has said and indirectly by the many temples he continues to announce. And that is not going to stop anytime soon. Its sacred ordinances and covenants are pivotal to preparing a people who are ready to welcome the Savior at His Second Coming. In a world that is increasingly secular and spiritually confusing, the house of the Lord serves as an oasis in a spiritual desert.
In His house we find peace and security from the distractions of the world as we are instructed regarding our relationship with our Father in Heaven and His Son Jesus Christ and regarding His eternal plan for the exaltation of His children.
Each time we attend the temple—in all that we hear, in all that we do, and in all that we say; in every ordinance in which we participate; and in every covenant that we make—we are pointed to our Savior and Redeemer. We all understand that the Lord answers prayers and provides inspiration in a variety of venues.
Attending the temple as often as our circumstances allow—an individual decision between each of us and the Lord—increases our ability to learn and apply what we are taught in the temple. The great lessons of the temple will be written in our hearts and minds, and the associated blessings of temple attendance will be ours as we remember and keep the covenants we make.
President Nelson could not have been more clear about the role of the temple in our lives when he counseled:. Our need to be in the temple on a regular basis has never been greater.
If you have reasonable access to a temple, I urge you to find a way to make an appointment regularly with the Lord—to be in His holy house—then keep that appointment with exactness and joy.
The world is in such a state that we need a constant renewal of the spiritual strength and converting power provided by the Book of Mormon, even if we have already experienced a change of heart. And I also cast my eyes round about, and beheld, on the other side of the river of water, a great and spacious building.
And it was filled with people. And after they had tasted of the fruit they were ashamed, because of those that were scoffing at them; and they fell away into forbidden paths and were lost. In verse 33 we read of others who had a different response to the scoffing and the mocking that were coming from the building. The first group had arrived at the tree and had stood for a time with the prophet, but they had only tasted the fruit.
Because they did not continue to eat the fruit, they allowed the taunting from the building to affect them, drawing them away into forbidden paths, where they were lost. In contrast to those who had tasted but then wandered off were those who were found continuously partaking of the fruit. These individuals ignored the commotion from the building, stood by the prophet, and enjoyed the accompanying safety and peace. Frequent study of the Book of Mormon allows us to continually partake, keeping us spiritually safe and strengthening our commitment to the Lord and His servants.
Failure to do so leaves us vulnerable to those who seek to impede our progress and destroy our peace. Brothers and sisters, the adversary is real. He offers counterfeit solutions that may appear at times to provide answers but take us even further from the peace we seek. He offers a mirage that has the appearance of legitimacy and safety but that will, ultimately, like the great and spacious building, collapse, destroying all who seek shelter within its walls.
Elder D. Ultimately, it is not how many times we read the Book of Mormon cover to cover that is important but how we apply what we have studied in our pursuit to become more like our Savior. And they did fall down at the feet of Jesus, and did worship him. Each Sabbath day, in every sacrament meeting, we have the privilege of symbolically taking into our hands the emblems of His death—reminders of His great atoning sacrifice, made for each of us.
Blessed be the name of the Most High God! Knowing the world we would live in and the absolute need for the Spirit in our lives, our Father in Heaven provided a way for us to be cleansed and sanctified each week, making it possible to head back into the world clothed with the power and influence available only through the companionship of His Spirit.
Oaks taught regarding small and simple things:. Though each of these practices may seem to be small and simple, over time they result in powerful spiritual uplift and growth.
This occurs because each of these small and simple things invites the companionship of the Holy Ghost, the Testifier who enlightens us and guides us into truth. The powerful spiritual uplift mentioned by President Oaks and associated with the companionship of the Holy Ghost makes it possible for us to accomplish more than we can on our own, whatever talents and abilities we may possess. More than what is seen in public, it is what we do in private—when no one but ourselves and the Lord are aware of the thoughts we entertain and the decisions we make—that sets us apart from the world.
Thus, while you are here as a student at BYU and beyond, as you focus on the essential and trust the Lord, you will be ready! You will be prepared to take your place in a career and in a family and also to serve in His kingdom because you were prepared for this time in the history of creation to help gather Israel and prepare for the return of His Son, Jesus Christ.
He trusts you. He will also stretch you, which is how we grow. Brothers and sisters, I know that God lives. I know that Jesus Christ is our Savior and Redeemer.
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