T. Jay Johnson Jr. - Lamacchia Realty, Inc.



Posted by T. Jay Johnson Jr. on 6/5/2020

Image by Gerd Altmann from Pixabay

If you flashback just 20 years ago, then it was a time where it wasn’t very easy to find career development resources. In fact, you were most likely forced to schedule an appointment with a professional or take a class at a local college. But today, there are thousands of useful resources that you can access from the comfort of your own home. And better yet, many of these resources are free!

In this post, we’ll discuss 5 of the leading career development resources that you can access from your couch.

Udemy

If you want professional learning opportunities on a sophisticated platform, then Udemy is a fantastic option. Udemy is a global marketplace for exceptional learning and instruction. To date, the platform is home to over 57,000 instructors, 150,000 courses and over 33 million hours of video. Whether you’re a student wanting to sharpen your skills or you’re a seasoned professional wanting to study a new trade, Udemy has the learning opportunities for you.

Skillshare

Geared towards creative thinkers, Skillshare is an online learning platform with thousands of educational classes. From topics like illustration and design to photography and video, creative minds use this outlet to share their skills, insights and tips about their respective industries. Skillshare is used by millions of members who come together to find like-minded individuals who share their same passions. If you want to find career development resources and inspiration from other experts just like you, then you have to check out Skillshare.

Udacity

Udacity is a learning platform that is focused on tech education. In the growing world of technology, new tech startups are forming by the day; and these businesses need qualified candidates with desired skills for this ever-changing technology landscape. From detailed programs that dive into artificial intelligence, cloud computing, data science, and much more, tech-driven individuals can gain valuable knowledge and useful skills that are well-suited in many tech positions available today.

LinkedIn Learning

Formerly known as Lynda, LinkedIn Learning has become one of the top career development resources today. There are many areas of expertise offered on the platform, including business, software, technology and personal development. In addition, there are multiple subscription types available such as individual, corporate, academic, and government. For years, LinkedIn Learning has been used by colleges, enterprise companies and government institutions all over the world. And better yet, all of the videos on the platform are produced extremely well and they all feature reputable industry experts.

Coursera

Over a span of just a few years, Coursera has quickly become a leading source for top-notch online education. The platform is known for having a diverse range of courses taught by some of the leading experts in their respective fields. And better yet, some of their resources are free. There are also other packages available that start at only $39 (USD). Find your course today!




Tags: education   learning  
Categories: Uncategorized  


Posted by T. Jay Johnson Jr. on 5/29/2020

If buying a home is something youíre considering, you might be curious about the different types of mortgages that are available to you. After all, the interest rate on your loan could have a huge impact on your finances over time, saving you thousands of dollars.

In todayís post, Iím going to demystify the home loan by explaining the most common types of mortgages. That way, youíll be able to approach a lender with a bit of context and knowledge to help make the best mortgage decision for you and your family.

Fixed-rate mortgages

The most common types of home loans in the United States today are fixed-rate mortgages. A fixed-rate mortgage has the benefit of stability in terms of its interest rate--year after year, or the lifetime of your loan, you know exactly what percent of interest youíre going to pay.

Fixed-rate mortgages most frequently come with repayment terms of 15 or 30 years. However, some lenders offer different repayment periods.

As with any debt, paying off a mortgage in a shorter term typically amounts to paying less interest over the lifespan of the loan. For this reason, buyers who can afford higher monthly mortgage payments often opt for a 15-year fixed-rate mortgage.

If you canít afford higher monthly payments, a 30-year loan will typically have lower mortgage payments, but at the expense of paying more interest over the life of the loan.

The 30-year option is the most often in the United States, where first-time buyers typically have too many other monthly bills to afford a high mortgage payment.

Adjustable-rate mortgages

Adjustable-rate mortgages (ARMs) were once an ideal option for first-time buyers who could purchase a home at a very low interest rate and then refinancing once that rate was set to rise. However, after the housing crisis of 2007, trust in the housing market drastically declined.

In recent years, ARMs have begun to make a comeback. However, they currently still only account for around 5% of home loans.

Adjustable-rate mortgages come with one important advantage and one huge disadvantage over fixed-rate mortgages. The upside is the ability to borrow money for a home at a lower interest rate than other mortgage types. The down side? Your interest rate isnít locked in for the length of the loan, meaning your rate could, in theory, rise dramatically before you sell or pay off the home. This is exactly what happened to borrowers during the subprime mortgage crisis.

Guaranteed loans

There are a number of special loan programs that have been sponsored by the government over the years. Among them are USDA rural development loans, VA loans for veterans and their spouses, and FHA loans offered by the Federal Housing Authority.

All of these loans make it easier to buy a home with little or no down payment or a credit score thatís less than perfect. That makes these options great for first-time homeowners.




Tags: Mortgage   Buying a Home  
Categories: Uncategorized  


Posted by T. Jay Johnson Jr. on 5/23/2020

Easy One Level Living! This adorable 2 Bedroom, 1 Bath Ranch awaits new owner. The floor plan consists of a good sized Living Room with w2w carpet. Kitchen offers washer hookup and exterior access to Fenced yard. Bedrooms have w2w carpet. Full bathroom w/chair rail and wainscoting. Laundry/utility room. Entertain guests in the summer in your backyard! Above ground pool and deck! 3 storage sheds and 4 off street parking spaces. Close to public transportation, shopping, walking trails, Fitchburg State University, Applewild school, and more. Open house Sunday 11am-1pm 5/24/20. By appointment. Gloves and masks must be worn. Shoes removed or shoe covers please.

More Info on this Property | New Listing Alerts





Posted by T. Jay Johnson Jr. on 5/23/2020


21 Hazel St, Fitchburg, MA 01420

Single-Family

$179,900
Price

4
Rooms
2
Beds
1
Baths
Easy One Level Living! This adorable 2 Bedroom, 1 Bath Ranch awaits new owner. The floor plan consists of a good sized Living Room with w2w carpet. Kitchen offers washer hookup and exterior access to Fenced yard. Bedrooms have w2w carpet. Full bathroom w/chair rail and wainscoting. Laundry/utility room. Entertain guests in the summer in your backyard! Above ground pool and deck! 3 storage sheds and 4 off street parking spaces. Close to public transportation, shopping, walking trails, Fitchburg State University, Applewild school, and more. Open house Sunday 11am-1pm 5/24/20. By appointment. Gloves and masks must be worn. Shoes removed or shoe covers please.
Open House
Sunday
May 24 at 11:00 AM to 1:00 PM
Scheduled appointments. 15 minute showing appointments. Covid-19 safety protocols must be followed. Gloves and masks required. Shoes removed before entering or shoe covers please.
Cannot make the Open Houses?
Location: 21 Hazel St, Fitchburg, MA 01420    Get Directions

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Categories: New Homes  


Posted by T. Jay Johnson Jr. on 5/23/2020


21 Hazel St, Fitchburg, MA 01420

Single-Family

$179,900
Price

4
Rooms
2
Beds
1
Baths
Easy One Level Living! This adorable 2 Bedroom, 1 Bath Ranch awaits new owner. The floor plan consists of a good sized Living Room with w2w carpet. Kitchen offers washer hookup and exterior access to Fenced yard. Bedrooms have w2w carpet. Full bathroom w/chair rail and wainscoting. Laundry/utility room. Entertain guests in the summer in your backyard! Above ground pool and deck! 3 storage sheds and 4 off street parking spaces. Close to public transportation, shopping, walking trails, Fitchburg State University, Applewild school, and more. Open house Sunday 11am-1pm 5/24/20. By appointment. Gloves and masks must be worn. Shoes removed or shoe covers please.
Open House
Sunday
May 24 at 11:00 AM to 1:00 PM
Scheduled appointments. 15 minute showing appointments. Covid-19 safety protocols must be followed. Gloves and masks required. Shoes removed before entering or shoe covers please.
Cannot make the Open Houses?
Location: 21 Hazel St, Fitchburg, MA 01420    Get Directions

Similar Properties





Categories: Open House