Cost of living - The average cost of the basic goods and services needed to sustain a certain standard of living., Standard of  living  - The level of wealth, comfort, material goods, and necessities available to a group of people, House poor - When someone spends so much of their income on the costs of homeownership that they struggle to reach other financial goals, Renting  - Periodic payments (usually monthly) by a tenant to a landlord in return for the use of a property, Fixed-rate mortgage  - A mortgage with a set interest rate for a set number of years, Mortgage principal  - The amount borrowed (that has to be paid back) to purchase a home, Amenities - Things that help provide convenience, comfort, or enjoyment , Leasing contract - A legal contract that allows the renter, or lessee, rights to the use of a property owned or managed by the lessor for a period of time, Legal contract - An agreement made between two or more parties that is enforced by the law, Acknowledgment clause  - The portion of a legal contract signed by both parties, Private mortgage insurance  - Insurance that protects lenders against loss if the borrrower defaults on the loan; does not go toward paying down your mortgage at all, Mortgage  - A loan obtained for the purchase of a home, Down payment - A lump sum of money, usually percentage of the total price of that home, paid by the buyer at the time of purchase, Equity - The increase in value of a home over time; the difference between the amount owed and what the home could be sold for,

Chapter 11

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