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Factor Annual Questions

Pre-calculus growth factor help?

The population of a small town increases by a growth factor of 1.39 over a 3 year period.

If the town grows by the same percent each year, what is its annual percent growth rate?

The annual percent growth rate is %. Round the answer to 3 decimal places.

Solution
1.39 = (1 + x)³
so
1+ x = ³√1.39

x = ³√1.39 - 1 = 0.11601903
Converted to a percent and rounded to three decimal places it is
11.6%

Can I "safely" buy a home?

I just wanted an easy evaluation of I can "safely" buy a home without trouble, or if it would be best to wait for a year to increase the balance on my account. A factor to consider in waiting for another year is the rate of increasing prices, which in my area could go on to about 10-15%.

I'm 24, a software engineer in the IT industry;

Annual Income: $ 60-70k
Debt: $2400 Credit Cards: 1
Cash in Bank: $8,000.00 (Projected to $ 48,000.00 if held off for a year)
Home Cost: $200,000 (Studio Apartment)
Downpayment: $6,000 (3%)
Monthly Payment (15 years): $1200
Kids/Spouse: none

I just wanted to get some inputs, thanks a lot
Sorry, miscategorized

if you think the studio will be an easy sell if housing prices remain level or even decrease a little I'd say you should buy now, pay off all credit card debt and start immediately building a savings nest egg big enough to see you through several months of illness or unemployment. You are at an age that life can change rapidly - a spouse, children, (a spouse that already has children!) job loss or offer in another city, and being tied to a studio apartment that you can't rapidly sell could be a big problem.

Have you factored in the association dues, insurance and taxes? And whatever repairs you will be responsible for -you can be required to make payments towards a roof, pool, parking, etc at some condos.

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