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Renting vs. Buying a Home by Malcolm Prue

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Renting vs. Buying a Home by Malcolm Prue

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The debate on whether renting or buying a home is the right decision for you.

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Image #2 - Rent vs. Buy: How to Overcome Buyer Concerns

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Image #2 - Rent vs. Buy: How to Overcome Buyer Concerns

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http://www.franksaccosrealestateblog.com/?p=2612
Home ownership does not necessarily cost less, or even the same, as renting. The costs of owning a home include maintenance, property insurance, property taxes, and utilities, in addition to the down payment on the home itself. The combined costs of home ownership could end up being significantly more than the cost of renting a home.

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Here, you can learn about the pros and cons of both buying a home and renting a home. If you are debating whether to rent or buy, this information might give you some things to think about.

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Website #2 - To rent or to buy? 8 questions Canadians should ask before taking the plunge

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Website #2 - To rent or to buy? 8 questions Canadians should ask before taking the plunge

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http://globalnews.ca/news/985258/to-rent-or-to-buy-8-questions-canadians-should-ask-before-taking-the-plunge/
Many people get into the mindset that they should buy a home before thinking about all of the aspects of owning a home. From down payments to closing costs,  this article suggests that there are eight questions that people who are considering buying a home should ask themselves before making their decision. Issues such as job stability and how long a person plans to remain in the home need to be considered. The discussion about how much money should be set aside for home maintenance was particularly interesting.

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Website #3 - Should everyone consider renting over buying right now?

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Website #3 - Should everyone consider renting over buying right now?

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http://www.theglobeandmail.com/real-estate/mortgages-and-rates/should-everyone-consider-renting-over-buying-right-now/article11737098/
While most articles focus on the renting vs. buying discussion from the perspective of someone who is renting or buying for the first time, Ben Rabidoux includes the issue of selling and renting in response to current economic conditions. Rabidoux discusses regional disparities in the debate, and divides the market by segment (condos vs. detached houses, for example). One thing that I found noteworthy was his point that renting while waiting to see where the real estate market trends might be the most ideal option.

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Website #1 - 9 Signs Home Ownership Isn’t for You

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Website #1 - 9 Signs Home Ownership Isn’t for You

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http://gailvazoxlade.com/blog/archives/2773
Gail Vaz-Oxlade believes that home ownership is not for everyone and makes it clear just who will not benefit from buying a home of their own. Those with variable or seasonal incomes, those who move often for employment, and those who cannot afford to buy in an area in which they would like to live are better off renting than buying. I found her point about making sure that you are buying for the right reasons and her acknowledgement that some people are better off without the responsibility of home ownership to be very interesting.

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https://www.youtube.com/watch?v=MyLtVRzchhs
Renting or buying a home is not only a financial decision. There are also emotional aspects to consider for either option. This video acknowledges that, from a financial perspective, those who rent and invest the difference are better off than those who buy, since the stock market historically outperforms the real estate market. However, home ownership brings with it significant pride and a sense of belonging. The aspirational aspect of owning a home is a strong motivator.

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Video #1 - Is Renting Always A Waste of Money?

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Video #1 - Is Renting Always A Waste of Money?

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https://www.youtube.com/watch?v=KAMeI4uHAFE
This video discusses the variables that come into play when either renting or buying a home. Preet Banerjee uses the example of two brothers, Owen the Owner and Roger the Renter, to draw comparisons between the financial implications of owning and renting, including carrying costs and changes in net worth. One of the things that I found interesting was the discussion of the variables, how they can change, and the impact that those changes can have.

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http://www.moneysense.ca/spend/real-estate/should-you-rent-or-buy/
This video discusses financial, lifestyle, and emotional factors affecting the decision to either rent or buy a home. Bruce Sellery and his partner made the move from Calgary to Toronto and decided that renting made more sense financially. They then proceeded to buy a home. While most discussions about renting vs. buying focus on the financial aspects, Sellery pays a lot of attention to lifestyle and emotional factors. Notably, in this video, Sellery warns that with current low interest rates, buyers must be sure that they can still afford their mortgage payments when interest rates rise.

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Image #3 - This flowchart could help you decide whether to buy or rent a home

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Image #3 - This flowchart could help you decide whether to buy or rent a home

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http://www.businessinsider.com/buy-or-rent-a-home-flowchart-2016-7
This flowchart illustrates that, unless someone has done their research and is fully prepared to own their home for the foreseeable future, renting is the best option for them.

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Image #1 - Rent or Buy? – The Ultimate Debate

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Image #1 - Rent or Buy? – The Ultimate Debate

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http://www.rentseeker.ca/blog/index.php/rent-or-buy-the-ultimate-debate/530
Many people are uncertain whether it would be better for them to rent or buy. There are a number of factors that people need to consider before they make the commitment of buying a home.