If a majority of your answers were âGââYour aura is predominantly violet. If your answers are evenly divided between two or three colors, this means your aura color fluctuates between those particular colors, or you may always have a combination of those colors in your aura.After taking the test, if you feel it was personally inconclusive, take heart.eeing an Aura. If this is your first time attempting to see someoneâs aura, position the person in front of a white background. Concentrate on one spot of the personâs face, preferably the middle of the forehead, for at least 60 seconds.
Six Good Reasons to Avoid PMI. 1  Cost-Private mortgage insurance typically costs between 0.5% to 1% of the entire loan amount on an annual basis. 2  On a $100,000 loan this means the homeowner could be paying as much as $1,000 a year, or $83.33 per month-assuming a 1% PMI fee. On a $100,000 loan this means the homeowner could be paying as much as $1,000 a year, or $83.33 per month-assuming a 1% PMI fee. ( 2 Calculated as: $100,000 x 1% = $1,000 / 12 = $83.33) By itself that's a pretty hefty sum.
Depending on your purchase price and down payment and other factors, PMI can easily run $150 to $200 per month. The rate for PMI is generally .3 â 1.15% of the entire loan amount each year. FHA loans require a minimum down payment of 3.5 percent. Buyers pay an up-front mortgage premium equal to 1 percent of their loan amount. For that $150,000 home, thatâs $1,500 due at closing. FHA borrowers also pay an annual mortgage premium thatâs a little more than 1 percent of their loan amount, which would be in the neighborhood of $125 for this example loan amount.