Many aspiring homeowners often ask, “I make $70,000 a year, how much house can I afford?” It’s a valid question, and the answer isn’t just about salary. While your income forms the foundation, lenders also look at your credit score, existing debt, down payment, and local housing market. The journey to homeownership can be exciting, but without a solid understanding of affordability, it can quickly become overwhelming. This article will walk you through everything you need to know if you make $70,000 a year and want to buy a house. From affordability rules like the 28/36 ratio to mortgage options,…
Author: John Wada
editornew1, John Wada
John Wada is an American news writer known for his insightful analysis and comprehensive coverage of current events. With a career spanning several years, John has built a reputation for delivering accurate, in-depth reports on both local and international news. His writing not only informs but also encourages readers to think critically about the world around them. Outside of his journalistic endeavors, John is passionate about mentoring young writers and is actively involved in various community outreach programs.
If you’ve ever worked a holiday shift and expected a bigger paycheck, you’re not alone in wondering: Are employers required to pay time and a half on holidays? This is one of the most common workplace questions, especially among hourly and shift workers in retail, healthcare, and hospitality. The idea of receiving more pay for working on major holidays like Christmas or Labor Day seems fair—but is it legally required? The short answer is: not always. In the U.S., the Fair Labor Standards Act (FLSA) does not require private employers to pay extra for holiday work. That means whether you…
If you are part of an academic or research team working on transportation-related projects, you may already know how important global partnerships are. Many of these partnerships rely on international grants for funding. But when it’s time to apply, you may face a big hurdle—language. Some funding agencies require proposals in their native language. If your team isn’t fluent in that language, it can cause delays or miscommunication. Translating a detailed grant proposal manually takes time and often costs a lot. This is where AI translation tools come in. They help you convert your proposal into another language quickly. In…
Tracking college enrollment statistics by year provides deep insight into how education systems respond to changing demographics, economic pressures, and policy shifts. These statistics reveal patterns in gender participation, racial representation, public vs. private institutions, and more. They help universities, policymakers, researchers, and students anticipate shifts in demand, design better programs, and allocate resources efficiently. Over the last few decades, college enrollment trends have reflected major societal changes. From the economic downturns of the early 2000s to the rise in online education and the COVID-19 pandemic, each event left a significant mark on who pursued higher education—and how. Understanding college…
Income inequality statistics are vital for understanding how wealth is distributed across populations, countries, and economic classes. These numbers reveal deep disparities not only in earnings but in access to education, healthcare, and opportunities. In 2025, income inequality continues to dominate global headlines—from the United States and Europe to developing economies in Africa, Asia, and Latin America. These statistics tell a sobering story: the rich are getting richer, and the income gap is widening. Income inequality is more than a financial metric. It affects health outcomes, education levels, crime rates, and overall social cohesion. As economists and policymakers debate solutions—from…
Gaming has always been one of the most popular recreational activities that almost all generations have enjoyed. However, as time has progressed, so has the way generations engage with gaming, moving from physical games such as tag or hide-and-seek to video gaming methods like console and PC gaming. The seeds of PC gaming were planted during the boom of the video game industry in the 1970s and 1980s when personal computer games became available to the general public. This laid the foundation for PC gaming to gradually evolve into one of the most preferred forms of entertainment and a part…
Visiting Canada can be an exhilarating experience, filled with stunning landscapes, vibrant cities, and a diverse culture. When it comes time to return home, many visitors look to bring back a piece of this wonderful country to share with friends and family. Here’s a guide to some of the most iconic and heartfelt gifts you can bring back from Canada. Find Natural and Eco-Friendly Gifts Canada is also home to many eco-conscious brands offering sustainable and non-toxic products. One standout item for families is the organic face painting kit for kids, which is made using plant-based pigments and safe, allergen-free…
If you’ve ever dreamed of witnessing glaciers crack into the sea, spotting humpback whales, or walking through pine-scented towns frozen in time, an Alaskan cruise 2026 might just be the perfect adventure for you. As cruise lines expand their Alaskan itineraries for 2026, now is the right time to explore what’s on offer. Whether you’re a seasoned cruiser or a first-time explorer, the 2026 season promises updated ships, unique shore excursions, and cutting-edge, eco-conscious vessels sailing from Seattle, Vancouver, and beyond. An Alaskan cruise 2026 isn’t just about the scenery—though with majestic fjords, towering ice walls, and rugged wildlife at…
Louisiana prides itself on its deep traditions, lively festivals, and diverse culture. However, aside from its world-famous Mardi Gras festivities and Cajun food, the state also has some pretty odd legislation that leaves residents and tourists confused. Although many of these are relics from bygone times and are hardly enforced, they continue to form Louisiana’s legal code. Here are six strange Louisiana laws that everyone should know about. It is Illegal to Steal Someone’s Crawfish Crawfish are a culinary staple of Louisiana, and the state takes their protection seriously. Among the many weird laws in Louisiana, stealing crawfish under Louisiana…
Car accidents happen every day. According to the National Highway Traffic Safety Administration (NHTSA), over 6 million car accidents occur in the U.S. each year. Many of these crashes involve drivers who did nothing wrong but still suffer injuries, property damage, and financial losses. If you’ve been in a car accident that wasn’t your fault, you might wonder what to do next. One of the common questions people ask is, “Should I get a lawyer for a car accident that wasn’t my fault?” The short answer is yes. Dealing with insurance companies and legal claims can be overwhelming, especially when…