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What s the danger While it s true that home equity loans are relatively cheap and that interest on them is tax deductible, the risk you run is tapping most of your equity, thereby diluting your investment The problem arises when it comes time to sell your property If you ve already tapped most of the equity from your home, most of the sales price if not all of it may go to your lender, not to you



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Attribute onblur, onchange, onclick, ondblclick, onfocus, onkeydown, onkeypress, onkeyup, onmousedown, onmousemove, onmouseout, onmouseover, onmouseup, onselect Type String Description Each of the JavaScript attributes corresponds one-to-one with a JavaScript attribute of the same name as the rendered HTML tag Required No

FIGURE 16-7

20:

Tag name: <t:inputFileUpload> Component class: orgapachemyfacescustomfileuploadHtmlInputFileUpload Component type: orgapachemyfacesHtmlInputFileUpload The inputFileUpload component is used to render a file upload control (textfield) that allows users to select a file from their browser and upload its contents to the server Note that the form s encoding type must be set to multipart/form-data in order for the file upload functionality to work in the browser Following is an example of configuring the form s encoding type:





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up in your application s webxml file Additionally, you must create a backing bean that contains an orgapachemyfacescustomfileuploadUploadedFile field to store the uploaded files contents in The UploadedFile field must be bound to the inputFileUpload component using the value attribute

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In an earlier chapter we discussed how total returns are de ned as an investment s yield plus any changes to its price But when it comes to buying a home, your total return is actually the change in the home s value minus the interest rate you re being charged on the mortgage Remember, as an investor, you have a choice You can buy a home or you can rent and put the extra money into the stock or bond markets By choosing to invest in a home, you are making an a rmative election to take on a mortgage To be sure, some of you may have built enough equity in your prior real estate holdings to roll those pro ts into your new home In that case, you may not need a mortgage, or you may not need a big one But many of us do require mortgages to purchase real estate And if that s the case, we need to enter into those arrangements with the full knowledge that the mortgage interest works against us For example, if you were to pay o a mortgage that charged you 8 percent, and your home appreciated 8 percent, your net returns would in essence be at If you took on that same 8 percent mortgage and your property did not appreciate at all during the time you owned it, your real total return would be closer to negative 8 percent

Attribute binding converter enabledOnUserRole id immediate rendered required validator value valueChangeListener visibleOnUserRole Type String String String String String String String String String String String Description See Common Attributes section See Common Attributes section See Common Attributes section See Common Attributes section See Common Attributes section See Common Attributes section See Common Attributes section See Common Attributes section See Common Attributes section See Common Attributes section See Common Attributes section Required No No

FIGURE 16-8

Attribute accept, accesskey, align, alt, dir, disabled, lang, maxlength, readonly, size, storage, style, styleClass, tabindex, title Type String Description Each of the HTML attributes corresponds one-to-one with an HTML attribute of the same name as the rendered HTML tag Required No

Part IV:

While it s true that low interest rates in the 1990s and early 2000s fueled an unprecedented boom in home buying, the fact is, not all investors are eligible for such bene cial rates Mortgage interest rates, like most consumer rates, are in part established by one s FICO score, or credit score FICO stands for Fair, Isaac Co This is a somewhat obscure Californiabased company that assesses consumer credit worthiness based on information found in credit reports maintained by the major credit bureaus: TransUnion, Equifax, and Experian Your score will range from 300 to 850 The higher your FICO score, the better your credit rating

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