The Financial Matrix is an amazing book that explains every financial problem I have had since getting married while in college. We began our marriage already caught in the matrix, and after 22 years are just now beginning to see that there may be a way out.
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FHA mortgage loans permit down payments to be provided by family members and closing costs can be partially financed by the seller (formerly up to 6%, but more recently changed, to 3%). Often the seller will increase the price of the house in order to finance closing costs so this prevents the home price from being artificially inflated.
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Asphalt is also relatively high-maintenance, especially in harsh climates. Experts recommend sealing asphalt driveways within a year of installation, then resealing every three to five years. Reseals are not cheap: The average cost is around $400, lower for shorter driveways and higher for longer ones.