Authentic voices. Remarkable stories. AOL On Originals showcase the passions that make the world a more interesting place.
Hank Azaria’s touching, humorous, and often enlightening journey from a man who is not even sure he wants to have kids, to a father going through the joys, trials and tribulations of being a dad.
Gwyneth Paltrow and Tracy Anderson spend time with women who've overcome hardship, injury, and setbacks to triumph in the face of adversity.
Enter the graceful but competitive world of ballet through the eyes of executive producer, Sarah Jessica Parker. This behind-the-scenes docudrama reveals what it takes to perform on the ultimate stage, the New York City Ballet. Catch NYCB on stage at Lincoln Center.
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Explore what it means to be human as we rush head first into the future through the eyes, creativity, and mind of Tiffany Shlain, acclaimed filmmaker and speaker, founder of The Webby Awards, mother, constant pusher of boundaries and one of Newsweek’s “women shaping the 21st Century.”
They say every picture tells a story and AOL On's new original series My Ink proves it. Travel along as some of the world's greatest athletes bring their tattoos to life through exclusive interviews and visits to their favorite tattoo parlors.
Discover crowdfunded small business success stories with author, comedian, and entrepreneur Baratunde Thurston.
Go behind-the-scenes with racing's hottest, young talent, 17-year-old Dylan Kwasniewski, as he aspires to make it in the #1 motorsport in America – NASCAR
Follow Scott Schuman, the Sartorialist, from the streets of NYC to the capitals of Europe on his quest to photograph and document the best in culture and fashion.
Iconic potter, designer, author and personality Jonathan Adler shares his unique perspective on creativity. Showcasing the inspiration Jonathan finds in the most unlikely people and places, Inspiration Point will add style, craft and joy to your life.
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A documentary directed by Alex Winter exploring the Napster downloading revolution; the kids who created it, the bands and businesses that were affected and its impact on the world at large.
Nicole Richie brings her unfiltered sense of humor and unique perspective to life in a new series based on her irreverent twitter feed. The show follows the outspoken celebrity as she shares her perspective on style, parenting, relationships and her journey to adulthood.
Hi I am Chris Wells and I am with Martha’s Vineyard Savings Bank. I have been in banking for over 20 years and you can access the bank’s website at www.mvbank.com.
Hi I am Chris and I am here to talk to you about buying your first home. Buying your first home would be the largest single investment that you can possible can make over your lifetime. And, when you get into that investment, you should really have a list of must haves or wants.
You should have the area that you think has a potential for growth or no area that has a decline in potential values. Then, think about your budget. If you had been renting before you are buying, which most of us have and you need to take a real estate look at how much home you can afford.
First thing that you should do is take the amount money that you earn on a gross basis each month and take that number and compare it to what you outlay currently before you own a home and what you are doing is trying to figure out how much rent or how much mortgage that you can afford. Most often people needs some help in buying their home and they tend to need some financing, so sooner or later a bank is going to have to get involved or a mortgage broker.
Going back to the house, first thing get your self a very solid professional real estate agent. The real estate agent does not need to be a buyer’s broker or a selling broker. The one who will have all of your best interest at hands and the other will have the seller’s best interest at hand. You may get someone who can represent both sides, find someone that you can trust because they are the persons that you are going to have to lean on to know about this whole system in that area, the tax situation in that area, and the future growths or declining values in that particular market.
Then back to how much home you can afford, you need to have a calculation in mind for what the value of the house is going to be. So, if you know all of your debts compare that to you income, your gross income and your gross debts. And then, realistically step back and say, if you are paying $900.00 for rent for example, can you afford $2,000.00 a month in mortgage; principal and interest. The likelihood is that probably you cannot. So, be realistic about what you can afford and be realistic about how you approach each market situation.
The second most important person in the transaction is going to be your mortgage broker or banker on deciding how you are going to finance this home. As you look at the home, think about the timeframe that you are going to be there. Is it going to be one to three years or is it going to be greater as far, as you know. If it is one to three years that could determine the type of mortgage financing you put in place. A variable rate loan might be something that works for you for a three year period or a fixed rate loan might work for you for a longer period of time.
Over the most recent history, the fixed rate loan has been actually been a higher monthly payment than the variable rate loan, because interest rates has trimmed it down over the last 10 years. So, you need to have involved in the transaction, an experienced mortgage broker or banker to go over your various options. In the end, seek people that you know, seek people that you trust and make sure that your must haves and your wants in the home are met and good luck.