A light installation is seen on the second day of the 26th Sziget (Island) Festival on Shipyard Island, northern Budapest, Hungary. EPA
A light installation is seen on the second day of the 26th Sziget (Island) Festival on Shipyard Island, northern Budapest, Hungary. EPA
An plane flies past a cloud band illuminated by the setting sun in Frankfurt, western Germany. AFP
An plane flies past a cloud band illuminated by the setting sun in Frankfurt, western Germany. AFP
A competitor takes part in the Steer Wrestling event at the Mount Isa Mines Rotary Rodeo, Mount Isa, Australia. This is the 60th anniversary of the rodeo, the biggest of its kind in the Southern Hemisphere. EPA
A competitor takes part in the Steer Wrestling event at the Mount Isa Mines Rotary Rodeo, Mount Isa, Australia. This is the 60th anniversary of the rodeo, the biggest of its kind in the Southern Hemisphere. EPA
Greece's Ekaterini Stefanidi reacts as she lands her winning attempt in the women's Pole Vault final during the European Athletics Championships at the Olympic stadium in Berlin. AFP
Greece's Ekaterini Stefanidi reacts as she lands her winning attempt in the women's Pole Vault final during the European Athletics Championships at the Olympic stadium in Berlin. AFP
A crew member prepares a hot air balloon before a tethered flight at the Bristol International Balloon fiesta in south west England, Britain. Reuters
A crew member prepares a hot air balloon before a tethered flight at the Bristol International Balloon fiesta in south west England, Britain. Reuters
People gather as wildfire burns near homes in Lake Elsinore, California. Getty Images/AFP
People gather as wildfire burns near homes in Lake Elsinore, California. Getty Images/AFP
Carlo Vistoli as Ottone (back) and Ana Quintans as Virtu / Drusilla perform on stage during a rehearsal of the opera 'L' incoronazione di Poppea' in Salzburg. EPA
Carlo Vistoli as Ottone (back) and Ana Quintans as Virtu / Drusilla perform on stage during a rehearsal of the opera 'L' incoronazione di Poppea' in Salzburg. EPA
Malaysian former Prime Minister Najib Razak arrives at Kuala Lumpur High Court after Friday prayers in Kuala Lumpur, Malaysia. AP Photo
Malaysian former Prime Minister Najib Razak arrives at Kuala Lumpur High Court after Friday prayers in Kuala Lumpur, Malaysia. AP Photo

World

World in focus - best photos for August 10, 2018

Take a look at some of the best images from around the world in the past 24 hours

The National

August 10, 2018

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World in focus - best photos for August 9, 2018

Financial considerations before buying a property

Buyers should try to pay as much in cash as possible for a property, limiting the mortgage value to as little as they can afford. This means they not only pay less in interest but their monthly costs are also reduced. Ideally, the monthly mortgage payment should not exceed 20 per cent of the purchaser’s total household income, says Carol Glynn, founder of Conscious Finance Coaching.

“If it’s a rental property, plan for the property to have periods when it does not have a tenant. Ensure you have enough cash set aside to pay the mortgage and other costs during these periods, ideally at least six months,” she says. 

Also, shop around for the best mortgage interest rate. Understand the terms and conditions, especially what happens after any introductory periods, Ms Glynn adds.

Using a good mortgage broker is worth the investment to obtain the best rate available for a buyer’s needs and circumstances. A good mortgage broker will help the buyer understand the terms and conditions of the mortgage and make the purchasing process efficient and easier. 

Sole survivors
  • Cecelia Crocker was on board Northwest Airlines Flight 255 in 1987 when it crashed in Detroit, killing 154 people, including her parents and brother. The plane had hit a light pole on take off
  • George Lamson Jr, from Minnesota, was on a Galaxy Airlines flight that crashed in Reno in 1985, killing 68 people. His entire seat was launched out of the plane
  • Bahia Bakari, then 12, survived when a Yemenia Airways flight crashed near the Comoros in 2009, killing 152. She was found clinging to wreckage after floating in the ocean for 13 hours.
  • Jim Polehinke was the co-pilot and sole survivor of a 2006 Comair flight that crashed in Lexington, Kentucky, killing 49.
Scores

Wales 74-24 Tonga
England 35-15 Japan
Italy 7-26 Australia

Breaking News: The Remaking of Journalism and Why It Matters Now
Alan Rushbridger, Canongate

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