Finance Roll

Oh boy! Now we are on a hot topic. Who runs the financial world besides who we would consider the 3%-ers? Everyone knows that 3% of the population earns 97% of the income available to make. Why? Because they are doers. Understand, however, that they don't run as much as we think they do. THE BIG THREE are: 1. the Government 2. the Banks 3. the...

The answer to that question is yes. Most lenders treat manufactured and mobile homes much the same as a conventionally built house and are willing to work with anyone who already owns or is thinking of buying a manufactured home. There are quite a few reasons why you might be interested in doing a refinance of your manufactured home; getting a...

"So what differentiates a winning financial vibration from on that is a loser?" This question was posed to me by a client who felt that his luck had run out. He was in a pinnacle of change and though he had the natural skills for making money, he was in a phase of transition and was probably reacting to the changes in his life.Pinnacles play a...

Lenders will check the past two years of Profit-and-Loss Statements, plus the year-to-date one. They'll examine the current Rent Roll and will inspect the exterior and interior of the property. (At first it's just a visual inspection. If they decide to get serious with the deal, they'll send out their own property inspector.)The great thing about...

Everyone wants to upgrade into that latest model with all the cool bells and whistles. Unfortunately, many of us are upside down in our current auto loan so trading it is a little more difficult than normal. What does it mean to be upside down in a car loan and how can I overcome it? Here are a few helpful tips to help you overcome it.Upside Down...

Many people throughout the life of online marketing have utilized the use of Kaizen. As a matter of fact I would venture a guess that almost all successful businesses in today's markets are using it. Which leaves one to wonder, what is Kaizen? Well, to put it in a layman's words it is the practice of continuous improvement; the fact that we should...

When it comes to your finances, you really have a simple decision to make. Do you want to keep going the way you are right now? Or would you rather have money in the bank, retirement in the works and the things you really want?If you would rather have the money over your current lifestyle, I don't blame you. But how can you get there?There is...

If you think your job may be at risk, it's a good idea to shore up your finances and make sure you're not spending money unnecessarily. Don't assume you'll receive severance if you're laid off; you may not.The general rule of thumb is that it takes one month for every $10k in salary to find a job (in a weak economy, assume it will take even longer);...

These days there are some creative methods for avoiding the need to place a large down payment in order to purchase a home. This is fortunate considering that for many families homeownership would be out of reach were it not for these methods. In the past placing a down payment on a home was commonplace. Recently, as housing prices have risen...

You've got a great idea for an eco vacuum cleaner. Or you need financing for an artsy project like re-cording a ska album, publishing an alternative lifestyle magazine or producing an all 80's film festival. Maybe the film festival project can wait. The point is you might be an entrepreneur, artist, or just a regular person with a great idea and...

So another year has rolled around again. Resolutions for many are in full force and for others, resolutions are only a reminder of goals gone bad! If you are a resolution maker and happen to be someone who has chosen improved wellness as your goal, these tips may be helpful in creating and jumpstarting your plan. I use these tips with great success...

Christmas is the Western world's biggest holiday celebration and although it only comes around once a year it often has us spending months in advance whilst the after-effects can include a big dent in our bank accounts for weeks afterward. Frugal Christmas shoppers often gather presents throughout the rest of the year in order to spread the cost...

Union Finance Minister (Govt. of India) P Chidambaram presented the Union Budget for 2007-08 in Parliament on Wednesday, 28th Feb. 2007.The Following are the Highlights:While Chidambaram kept income tax limit unchanged, he increased the threshold limit by Rs 10,000 giving every assessee a relief of Rs 1,000.Deduction in respect of medical insurance...

Is there such a thing as 100% Property Development Finance? The short answer is yes, however it may be useful to define what exactly we mean by property development finance and what we mean by 100% funding. Property development finance is the term used by lenders and brokers to describe the finance products employed to help property developers...

One of the biggest threats to a successful construction project is experiencing cash flow issues, or worse still, running out of financial resources before the project is complete. Having to halt the build or renovation means you may struggle to meet time sensitive milestones and will invariably increase the cost of the overall project. Worse...

There are certain factors that come into play with a no closing cost refinance. Sometimes, this can mean that you have no additional expenses when you refinance your mortgage, but it can also mean that you pay a higher interest rate. There are two types of programs that lenders have for a no closing cost refinance. These are a yield spread premium...

Debt consolidation loans are a great way to simplify your finances. You do this by rolling your current debts into just one loan. You can do this in the form of a secured or unsecured loan. A debt consolidation loan will generally reduce your monthly outgoings and ease the stress of dealing with several creditors and juggling multiple monthly...

I remember when "The Millionaire Next Door" came out telling people how the authors, who are marketing professors, had come up with a big discovery. They discovered more high net worth (wealthy) people in middle class neighborhoods driving a "beat-up pickup truck" (hey, that's what I drive!) than in high class neighborhoods.These were results...

When I first got started as a real estate investor, I had not mastered the borrowing game, was scared to death of the thought of having to go to a bank and "ask" for money to buy and renovate my deals.  There were several reasons for this, but the most prominent one was that I didn't think lenders would find me or my deals credit worthy.Now......

Investors have been feeling the painful reality from the recent market correction due to the sub-prime mortgage crisis, and are wondering where to invest their hard earned saving over the coming years. We listen to news reports almost daily talking about the losses suffered on the world stock markets, and have seen first hand the damage done to...

Is it that the approaching tax season is giving you chill in your spine? It is an obvious thing that you would feel the work pressure during tax season. Maintaining accounts, checking of balances and tallying totals with the finance documents are some of the important tasks that you will have to do before filing taxes. There is a strict need to...

It's no secret that between the year 2007 and 2030, some 78 million baby-boomers will retire. But with the growing financial crisis looming in Social Security, many are wary of how long their benefits will last. Add to that a genuine concern over whether or not they have saved and invested enough for retirement and you can understand the stress...

President Barack Obama will need to act fast to begin his plans for a set of more drastic measures to extricate the United States from its present weakening economic condition. This is what Newsweek International Editor Fareed Zakaria wrote in his February 2 Newsweek essay entitled "I Got It Bad (And That Ain't Good)". "The American financial...

The length of time to rebuild your credit history (thus improving your credit scores and your chances of getting a mortgage) after a negative change depends on the reason behind the change. Most negative changes in a credit history are created by the addition of a negative element to your credit report - elements such as a late payment or a collection...

Take for instance a 2007 Dodge Caliber, economically priced at $7,995. Financed at 6.9% for 60 months that's only $158 a month. Take a look at some of the Caliber's features:The Dodge Caliber engine has 16 valves with sequential multi point fuel injection. The variable valve control coupled with a cylinder with I-4 configuration ensures that the...

The American Dream; what does it mean to you? People have different jobs or hobbies or passions in life, but one constant remains the same among all of us, and this common thread that unites our dreams is that of Home Ownership! Unfortunately, in this current economy, achieving the dream of home ownership is becoming more difficult than any time...