Finance Roll

What happens when you are sued for more than your basic homeowners or auto insurance policy covers and are found liable? Well, for most people, it would mean liquidating unprotected assets in order to satisfy the judgment. This may mean garnished wages, selling property, and possibly losing some of your investments. This is certainly a situation...

Bad credit can be financially crippling when trying to apply for a credit card or a loan or even more of a problem when applying for a mortgage. Bad credit can cause many sleepless nights and family stress, while trying to acquire a mortgage for your new home.It is very easy indeed to lose your good credit status, a few late payments, or one missed...

Ever since the credit crisis of 2008 the financial landscape has changed for us all irrevocably. One of the most obvious examples of this has been the difficulties experienced by both businesses and by individuals in securing credit, whether in the form of a business loan or, for the ordinary working man or woman, a credit card or mortgage.Much...

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Commercial mortgages aren't usually full term loans. By this, I mean that it is pretty rare for a loan to be paid off over its term. Instead, most commercial financing is refinanced for one reason or another well before the loan matures. In this article, we take a look at how the refinancing process works in the commercial arena.The average commercial...

The concept of what you want versus what you really need can be critically important in your efforts to conserve and save money, and consequently help the status of your family and household budget. This is just one of a number of financial strategies that I'll be rolling out for you that should help you learn how to budget just a little better...

Business owners that are looking for viable commercial mortgage loans should look hard at SBA financing. These loans continue to close and relative to other sources of capital, like conventional bank loans, SBA financing is much healthier. In addition, SBA loans have many advantages over conventional financing, which we discuss below.But first,...

Development finance certainly saw some significant changes in the last three years when the number of development lenders dropped and funding became more difficult to obtain.However, there are still deals to be done and still a number of lenders who are genuinely willing to lend. It's imperative to find lenders with enthusiasm. Brokers need to...

We're often told that it's rude to talk about money with other people, and so, we refrain from asking things like how much a person earns every month, how much their cars and houses are, and how much they gave as down payment for their new home, although asking for the prices of consumer items are perfectly fine. We're also not supposed to talk...

100% financing is still available in the mortgage market. I know, you listen to all the financial doom and gloom from the media and you would think every lender just locked their doors and went home. It's not a good situation but it is not as bad as the media wants you to think.Remember, it is also an election year and every election year, both...

Going to college is like a never ending adventure. Of course that dealing with professors, difficult exams and sleepless study nights is not always pleasant, but is indeed very rewarding. I remember when I was a student years ago, my parents used to tell me those were the best years of a person's life. I would roll my eyes at their stupidity and...

Money is on most everyone's mind. A couple of years ago, a man cashed in on a large load of options and became a millionaire in one day. He explained how he never realized how much he thought about money every day until he had enough that he would never have to worry about it again. Now he says he gets all kinds of work done and has had a burden...

A barrel of crude oil now stands at around $71, and many believe that petrol in the UK will hit £1.20 a liter later this year. This being the case, motorists need to be looking for ways they can cut down on costs of petrol and diesel when running their cars. Drive at an appropriate speed and anticipate traffic flow. There is no point in speeding...

Money... If you have a lot of money then you probably don't need to read this article...or, do you? If you only have a little money or you are broke, this information probably won't help you...or, will it?Whether you have money or not, the chances are that you have some kind of credit debt like a home loan, car loan, credit cards and the like....

Meet the Logans. They have 2 young boys and their financial profile is very similar to that of our couple in the best personal finance book (Joe and Jill Smith)... husband is a salesman, wife is a nurse, been together about 7 years. When the Logans first got together, they rented a lovely 2-bdrm apartment in an older building at the city limits...

We have all experienced amazing shifts in the economy most of us never thought we would see. Couple that with the stress of the holidays and it can seem a little bit overwhelming to everyone, especially small business owners.As I promised two weeks ago I will be giving you all 12 concepts that I learned at a recent business seminar put on by BBI...

Classic cars give their owners a feeling that is hard to get from a car that just rolled off of the production line last week. The interior finish, the lines, the exterior paint colors, even the smell - makes classic car ownership something that is sought after by collectors and investors alike. What's more, for many men and women of a certain...

US Department of Agriculture (USDA) Mortgage Loans? I thought they approved my beef?Yes, it is the same USDA that grades and approves our meat and many other components of our agriculture industry. But in fact, USDA also offers mortgages via guarantees made to lenders both large and small. One of the key departments within USDA is Rural Development,...

Mississippi is one of the economically growing states in the United States. With the recent business start-ups and business relocations to Mississippi and a lot of financing schemes, the state offers a great economic potential for the future.Loan schemes: The following key loan programs are available in Mississippi:Agribusiness enterprise loan...

Moving forward, if a seller is setting on a mountain of debt and just happened to have an ARM mortgage with negative amortization building up to 115% of the original mortgage this could be a bad thing. Then simultaneously the property values have dipped then the owners may find themselves upside down in the property where the mortgage is larger...

The final part of this guide to business loans and finance raising covers 'property development finance' through to 'yield'.Property development finance - Finance to cover site purchase and building costs designed to fund property development.Prospectus - A package of information prepared for provision to potentially interested investors in a...

The lure of making money online is a path that many new online entrepreneurs venture into everyday. Most of the the advertisements online promote the lifestyle of going from being broke to making tons of cash overnight. What they do not advertise however, is the expense it will take to run an online business.Success online is almost never overnight,...

Here's how becoming a health affiliate can help you bolster your finances to the heavens!The health and wellness industry is currently a billion-dollar market, and analysts expect the industry to quadruple its profits in the next ten years. With this rosy picture, it's no wonder why more and more people today are turning to marketing health and...

By not shopping around for everyday household items, Britons could be losing out on thousands of pounds each year, new figures indicate.According to findings by Alliance & Leicester, 16 million consumers (more than a third of the population) are paying too much for basic groceries such as bread and milk. Meanwhile, 62 per cent of Britons do...

If you're like most parents, saving for your children's college education is a priority and a big challenge. Tuition and related costs at both public and private universities have been rising at 5% per year or more, far exceeding the rate of inflation. To put that into perspective, a child born in 2006 should plan on $110,000 in total expenses...

Without a steady cash flow, your business dies. This means that you need to be focused on your cash flow situation at all times: you need to know how much cash you have and how much is coming in. If you can see that you're likely to have problems, the time to take action is --- NOW.This constant awareness of your finances is especially vital for...

One of the biggest challenges facing black RELATIONSHIPS today are finances. Many people mistakenly feel that money does NOT matter. In fact, money matters the MOST! Why? Most people do not have a clue about their own financial destiny.You know you want to own a home and save some money toward retirement but have you PLANNED what it is you are...