Finance Roll

Even though we have begun to see money start to trickle into the commercial markets, lenders as still being as picky as ever when it comes to who they will lend to, and on what properties. As a result, you may not be able to find traditional financing if you are trying to purchase a property that doesn't meet the high requirements of most conventional...

If you are one of those looking into purchasing multifamily apartment buildings, it best to bring yourself up to speed with the common terms and phrases used in the industry. This will help you in speaking intelligently to the various real estate professionals you will engage with throughout the process.10 Basic Terms Most Commonly Used:1. Capital...

As I sift through my mail I notice yet another statement from my financial advisor. "Why do they have to send me so much paper?" I wonder. Without bothering to open the envelope, I toss it into the growing stack of financial documents in my hall closet. "I'll get to it later," I promise myself.Are the actions described above indicative of someone...

I had never been to Odessa, Texas. From the perspective of a young stockbroker working in Pittsburgh in 1986, a trip sponsored by the oil and gas concern of Parker & Parsley to this little area of West Texas seemed an adventure. Two of my associates and I joined a number of brokers from across the nation for a two-day seminar discussing the...

Recent changes to the amount of money savers over 50 can deposit into their Individual Savings Accounts (ISAs) are seeing record numbers of people making full use of the new regulations. But those who are not eligible, such as those who do not meet the minimum age requirement, are finding less favorable returns available on their savings and are...

If you've been watching the news lately, you might have heard the media celebrating the fact that American job loss was lowest in April than it's been since October of last year.  I caution all of you not to break open the champagne just yet, unfortunately.   The stabilizing unemployment rate was a bit skewed by the 72,000 jobs...

Exercise Sale Basis in 100 shares of stock -2,100 Call premium received 400 Call premium paid -600 100 shares deliver at $25 2,500 100 shares sold at $30 3,000 Net profit $800 This comparison appears to conclude that you have a better outcome by allowing exercise...

Here are ten steps you can follow to help improve your personal financial situation and inevitably save more money:1. Pay Yourself WeeklyThis may seem a bit odd, but this is an excellent way to start building a substantial savings. On a weekly basis, pay yourself $25-$50 and immediately put it in a safe place. You can even open a special savings...

Equipment Capital and the financing that's required to complete asset acquisitions is a large part of the Canadian equipment financing puzzle. Business owners in Canada want to stay ahead of the competition and technology curve - to do that they require computers, machinery, and other assets that can help to grow revenues and profits.Lease financing...

The oil frenzy's still building.  Last week we peaked at almost $135 a barrel.  According to CNBC and the talking heads, it's the story of the century.  Every tick higher on oil prices brought a new flood of information, concerns, and stories.Now oil is off $10 per barrel.Never fear.  The story of the century is not getting...

1. Your housing debt should not exceed 28 percent of your gross income. Your total debt should be under 36 percent.2. Invest for your future. Use your 401k, 403b, 457 and max out your IRA's. If you get a match on your 401k, make sure you are taking advantage of it!3. Have a diversified portfolio. An old rule of thumb is take 100-age and that is...

The reality of online customer support typically involve either the "Contact Us" button which VERY FEW virtual visitors are willing to take the time to fill out and punch if their purchasing questions are not answered in detail on your web pages OR outsourced call centers in India and South America.(Which, by the way, is a nasty little secret...

I believe it's true that with NO financial goals you're likely to achieve just that: NOTHING! I've got some ideas on this subject that could help you to not only conserve and save money, and consequently help the status of your family and household budget, but also help you to achieve some major family financial goals.This is just one of a number...

It seems that cash loan stores used to be located in the worst section of town. In a seedy neighborhood downtown with a neon sign that reads "Check Cashing" or something similar. Many of those stores were for cashing checks for people without bank accounts. Then the payday loan shuffle happened and everybody started doing it. Check cashing/payday...

With tax season rolling around, everyone is concerned about getting their taxes done in the least amount of time and with the least amount of hassle, but at the same time assuring that they are done properly. After all, no one wants to have his or her taxes filed incorrectly or to end up paying in future.You can make sure that your taxes are done...

This is what I call a rock-and-roll week! Anybody scared? You should not! After a good advance of the broader markets these pull-backs are more than normal. The week before, I suggested to take some profits and to forget about the markets until the end of the summer. If you did miss this suggestion, do not get nervous as nothing major is expected...

Last night after work and the gym, I headed home. Pulling into the driveway I noticed something unusual. There was a big white piece of paper taped to my front door. I wondered what it could be.It's not uncommon to find advertisements at our doorstep. Someone's always trying to sell something. But this wasn't an advertisement.This was some type...

Throughout my real estate investing career, I've spent many dozens of hours speaking with lenders and potential financiers of my deals. With all the different types of loans and equity financing products available to investors these days, it's important to have a good understanding of the benefits and the drawbacks of each, so you can choose the...

Although it may be hard to believe, there is more going on in the world than the NCAA Basketball Tournament. And even though it's not nearly as exciting as an expanded sports page, you will soon receive your March (Investment) Tournament Program... in the form of Brokerage Firm Statements. What is this guy talking about? What correlation could...

Short sales are becoming the wave of the future for lenders that find themselves enforcing the foreclosure process. A short sale saves them time and money, plus it just makes more sense to cut their losses early with a solid offer on the table instead of listing with a real estate agent and wonder when that particular property may sale.With the...

In today's economy, there is tremendous uncertainty among investors in a variety of commodities, including real estate. I wish I had the crystal ball answer to these questions but, sadly, I am left guessing just like other investors out there.One of the biggest hurdles faced by real estate investor's in today's economy is the issue of funding....

Garbage trucks are essential for sanitation companies to transport wastes to recycling centers or to some other places. These trucks come in different configurations to suit various purposes. They are unique in nature and they can be used for limited purposes only. Due to their unique nature, they are highly expensive. However any banks or traditional...

One of the most bitterly cruel aspects of the winter months is that even though animals have the luxury of hibernating until the summer time rolls back in style, we humans must carry on as normal and worst yet, contend with the ever spiraling costs of fuel and heating expenses. Pleas upon energy and heating providers fall upon deaf ears, and so...

If your company's fortunes reverse, resulting in negative cash flow, where can you turn for a loan? What about pre-profit start-ups, where are they to turn? All is not lost. There are specialty lenders who cater to companies facing these challenges.Most lenders shun companies beset with negative cash flow for the obvious reasons. A credit basic...

Also known as seller financing, owner financing is growing in popularity in today's economy. With the credit markets slowing down and people finding it harder and harder to borrow, owner financing is looking better and better as an alternative to traditional financing. Owner financing is when the seller of the property basically agrees to take...