I am looking for a good financial advisor in Miami area?
January 31, 2009 by admin
Filed under Personal Finance
forallitsworth
I need someone who prepares taxes as well. I need someone who can 1) find ways to reduce my tax liabilty 2) help me set up an investing strategy long term 3) Be knowledgeable in investments that can reduce my current tax liability from my income. I am wary of mutual funds with tons of fees and want someone who can give straightforward advice.
I need someone who prepares taxes as well. I need someone who can 1) find ways to reduce my tax liabilty 2) help me set up an investing strategy long term 3) Be knowledgeable in investments that can reduce my current tax liability from my income. I am wary of mutual funds with tons of fees and want someone who can give straightforward advice.
How do you become a certified millionaire?
January 29, 2009 by admin
Filed under Personal Finance
Miss MeMe – מימי
I keep hearing this term ‘certified millionaire.’ What does that mean? Do they actually get a certificate? Is there some committee that decides who is eligible?
I keep hearing this term ‘certified millionaire.’ What does that mean? Do they actually get a certificate? Is there some committee that decides who is eligible?
Is investing in gold a good idea?
berman250
I have a lot of money invested in mutual funds and am concerned with the recent drop in the stock market as well as the recent concerns with subprime lenders….do you think that investing in gold is a good hedging strategy? Do you think that the price of gold would rise if some of these lenders tank?
I have a lot of money invested in mutual funds and am concerned with the recent drop in the stock market as well as the recent concerns with subprime lenders….do you think that investing in gold is a good hedging strategy? Do you think that the price of gold would rise if some of these lenders tank?
Try an Unsecured Personal Bank Loan When you Need a Little Extra Money
Wardell Brooks
It can be difficult to get an unsecured personal bank loan at your local bank because banks tend to push credit cards rather than small loans. This is because they enjoy a far greater profit margin off the credit cards. Additionally, banks are certainly not the most efficient source for quick funding either.
A personal bank loan is one of the most commonly sought products when it comes to bank lending. When the budgets seem a little tight and you need some extra personal money, loan options may be one of your first considerations. Keeping all of your financial options in mind is very important, and you should assess these against your personal needs. Each choice may offer its own advantages and disadvantages, and weighing these pros and cons will help you select the best financial option for you.
You may realize that banks often are not very enthusiastic about extending a personal bank loan, and in many cases, do not even have such a product available. Instead, they will push you to fill out a new credit card application. But this is not an accurately matched product for the bank loan for personal reasons you really need.
When money becomes tight, most people impulsively resort to using credit cards. This, however, can create an epidemic debt problem that can be very difficult and take years to get out of. High interest credit cards quickly accumulate balances with not only the high rate, but also fees and heft late fees.
A unsecured personal bank loan can be a much more financially sound option. These generally have much lower interest rates than do credit cards. A Personal Bank Loan can be obtained for just about any purpose, and can be readily obtained through a variety of lending sources. Banks, finance companies, and several web based companies offer personal money loans. So if your bank does not offer you the bank loan for personal reasons you are looking for, there is a good chance you can find it through another source.
These loans are generally unsecured. They can also be obtained rather quickly. You can avoid showing maxed out credit cards on your credit report by getting a personal money loan instead. This will give you cash to take care of needs. You can even use them to pay for a down payment on a car, debt consolidation or to take a vacation. The versatility and freedom of personal money loans is what makes them so popular.
While the demand for personal loans has more than doubled in the past decade, their availability has dwindled. Today, consumers seeking a little extra cash have many other funding options. You can get a loan that’s better than a bank loan for personal reason that’s unsecured. Customers can access web based lenders 24 hours a day from the comfort of their home or office, and quickly apply and be approved for personal loans at great rates.
It is important not to get caught in the trap of accepting the credit card options many banks push as an alternative to unsecured personal bank loans, since these are generally associated with higher rates and other associated fees.
It can be difficult to get an unsecured personal bank loan at your local bank because banks tend to push credit cards rather than small loans. This is because they enjoy a far greater profit margin off the credit cards. Additionally, banks are certainly not the most efficient source for quick funding either.
A personal bank loan is one of the most commonly sought products when it comes to bank lending. When the budgets seem a little tight and you need some extra personal money, loan options may be one of your first considerations. Keeping all of your financial options in mind is very important, and you should assess these against your personal needs. Each choice may offer its own advantages and disadvantages, and weighing these pros and cons will help you select the best financial option for you.
You may realize that banks often are not very enthusiastic about extending a personal bank loan, and in many cases, do not even have such a product available. Instead, they will push you to fill out a new credit card application. But this is not an accurately matched product for the bank loan for personal reasons you really need.
When money becomes tight, most people impulsively resort to using credit cards. This, however, can create an epidemic debt problem that can be very difficult and take years to get out of. High interest credit cards quickly accumulate balances with not only the high rate, but also fees and heft late fees.
A unsecured personal bank loan can be a much more financially sound option. These generally have much lower interest rates than do credit cards. A Personal Bank Loan can be obtained for just about any purpose, and can be readily obtained through a variety of lending sources. Banks, finance companies, and several web based companies offer personal money loans. So if your bank does not offer you the bank loan for personal reasons you are looking for, there is a good chance you can find it through another source.
These loans are generally unsecured. They can also be obtained rather quickly. You can avoid showing maxed out credit cards on your credit report by getting a personal money loan instead. This will give you cash to take care of needs. You can even use them to pay for a down payment on a car, debt consolidation or to take a vacation. The versatility and freedom of personal money loans is what makes them so popular.
While the demand for personal loans has more than doubled in the past decade, their availability has dwindled. Today, consumers seeking a little extra cash have many other funding options. You can get a loan that’s better than a bank loan for personal reason that’s unsecured. Customers can access web based lenders 24 hours a day from the comfort of their home or office, and quickly apply and be approved for personal loans at great rates.
It is important not to get caught in the trap of accepting the credit card options many banks push as an alternative to unsecured personal bank loans, since these are generally associated with higher rates and other associated fees.
What banks do financing on the wholesale side for spec homes?
January 25, 2009 by admin
Filed under Renting & Real Estate
alison a
I have a friend who is a builder and would like to use me for his mortgage broker. I have no problem finding banks who will do financing for owner occupied builder programs, but nothing for spec homes. A lot of the banks offer spec programs on the retail side, but I’m having trouble finding it wholesale. Thanks!
I do know what a spec home is
My rep at Indymac said that they only do owner occupied construction, but maybe there is another dept she’s unfamiliarr with? I’ll ask her again. Thanks!
I have a friend who is a builder and would like to use me for his mortgage broker. I have no problem finding banks who will do financing for owner occupied builder programs, but nothing for spec homes. A lot of the banks offer spec programs on the retail side, but I’m having trouble finding it wholesale. Thanks!
I do know what a spec home is
My rep at Indymac said that they only do owner occupied construction, but maybe there is another dept she’s unfamiliarr with? I’ll ask her again. Thanks!
The Key To Bank Loans
James Copper
Bank loans are among some of the toughest loans to get. Banks are very picky about lending money. This is because loans are not their only line of business. They are, however, where they make the most money. They can also be the greatest source of loss and that is why they are so picky when it comes to approving loans.
Banks have very strict criteria for approving loans. Most banks are going to require good credit. They want to see a person who has multiple good reports on their credit report and no bad reports. They also want a person who has a steady and secure income source. Overall, they want the least amount of risk when lending to a person.
The key to a bank loan is knowing what they want. If a person is wanting to get a bank loan then they have to start analyzing their financial situation.
It starts with the credit report. A person must ensure they have absolutely no bad marks on their credit. They need to repair anything that could adversely affect their credit. Then they will need to wait at least six months before applying for a bank loan.
They should also look at their budget. They need to ensure their income is exceeding their expenses. It is likely the bank will want proof of income for six months or more. If a person has been employed for less then six months, then they should wait until they have been before applying for a bank loan.
When applying for a bank loan a person must have all their paperwork in order. They need to have pay stubs, bank statements and their credit report for the loan application. This way they can be sure they can provide the bank with whatever they need.
Additionally, bank loans are more often then not secured loans. At least for a person getting a bank loan for the first time, the loan is going to be secured. A secured loan is secured with either collateral or money. The bank requires this for two reasons. First, it allows the borrower to assume some risk. They are either risking losing their collateral or risking losing their money. Secondly, in the case of using money to secure a loan, the borrower is lowering the actual amount they need to borrow, which in turn lowers the risk to the bank.
One of the best things to do when trying to get a bank loan is finding out the banks general criteria for getting a loan. Most banks will gladly tell a person what they expect from a borrower. This can allow the person to make sure they adhere to the banks qualifications which can make the whole loan process go smoother and faster.
Bank loans can be difficult and very frustrating. It is hard to know exactly what a bank is wanting from a borrower. The best thing to do is call the bank and ask what their general criteria is for a loan. This way the person can make sure they qualify before they ever start the loan process.
Bank loans are among some of the toughest loans to get. Banks are very picky about lending money. This is because loans are not their only line of business. They are, however, where they make the most money. They can also be the greatest source of loss and that is why they are so picky when it comes to approving loans.
Banks have very strict criteria for approving loans. Most banks are going to require good credit. They want to see a person who has multiple good reports on their credit report and no bad reports. They also want a person who has a steady and secure income source. Overall, they want the least amount of risk when lending to a person.
The key to a bank loan is knowing what they want. If a person is wanting to get a bank loan then they have to start analyzing their financial situation.
It starts with the credit report. A person must ensure they have absolutely no bad marks on their credit. They need to repair anything that could adversely affect their credit. Then they will need to wait at least six months before applying for a bank loan.
They should also look at their budget. They need to ensure their income is exceeding their expenses. It is likely the bank will want proof of income for six months or more. If a person has been employed for less then six months, then they should wait until they have been before applying for a bank loan.
When applying for a bank loan a person must have all their paperwork in order. They need to have pay stubs, bank statements and their credit report for the loan application. This way they can be sure they can provide the bank with whatever they need.
Additionally, bank loans are more often then not secured loans. At least for a person getting a bank loan for the first time, the loan is going to be secured. A secured loan is secured with either collateral or money. The bank requires this for two reasons. First, it allows the borrower to assume some risk. They are either risking losing their collateral or risking losing their money. Secondly, in the case of using money to secure a loan, the borrower is lowering the actual amount they need to borrow, which in turn lowers the risk to the bank.
One of the best things to do when trying to get a bank loan is finding out the banks general criteria for getting a loan. Most banks will gladly tell a person what they expect from a borrower. This can allow the person to make sure they adhere to the banks qualifications which can make the whole loan process go smoother and faster.
Bank loans can be difficult and very frustrating. It is hard to know exactly what a bank is wanting from a borrower. The best thing to do is call the bank and ask what their general criteria is for a loan. This way the person can make sure they qualify before they ever start the loan process.
Bank Loans – Necessary In Todays Material World?
Kenneth Scott
The idea of a bank that loans out money to the public, totally metamorphosed the premise of ancient banks that stated that a bank was only a place to deposit money for safeguarding. Present day banks are synonymous with bank loans to such an extent that today practically every individual who has a bank account has a bank loan of some sort or the other.
It is improbable that in the present day and age anyone (unless born to money) has enough money lying around to make big ticket purchases like a flat or an apartment, without resorting to a bank loan.
Bank loans have attained the reputation of a necessity in todays scenario where temptations to own products are so great that one takes the recourse of a bank loan and in return enjoys the product or benefit from the appreciation of an asset purchased while paying backing installments. Be it an auto loan, a bank loan for a specific purpose or a home loan, present day banking system provides loans for practically anything and everything that one may want to own. Without these convenient bank loans lots of people would never been able to purchase that new car or a laptop or a home.
Factually, a bank home loan is similar to a mortgage with a collateral attached. The only matter of concern that remains is that one gets tied up for a long period and has to keep on paying interest on the loan.
With the passage of time, bank loans have become so versatile that there are bank loans for buying white goods, consumer goods like computers and even for repairs, renovations, marriages and celebrations. It is a case of you name it and that bank has it. There exist student loans too, where a bank advances money for studies with a condition of repayment after the student joins the mainstream and starts earning.
Broadly speaking, even credit cards are a form of a bank loan that you can repay and some banks even offer you loans to pay up other loans you may have taken in the past.
Bank loans issued to individuals for the purpose of housing probably out number other loans issued by banks. But they may not compare in volume or value to bank loans issued to businesses worldwide. Whether it is a small business operated out of the home or a large business that needs millions of dollars in order to tide over a cash flow problem or to acquire assets, bank loans issued to businesses far outstrip individual loans. In fact it will not be an exaggeration if one were to say that without bank loans the vast majority of business worldwide would collapse. Business in modern day thrives on the banking system and the investment, lending, finance and credit that it facilitates.
The idea of a bank that loans out money to the public, totally metamorphosed the premise of ancient banks that stated that a bank was only a place to deposit money for safeguarding. Present day banks are synonymous with bank loans to such an extent that today practically every individual who has a bank account has a bank loan of some sort or the other.
It is improbable that in the present day and age anyone (unless born to money) has enough money lying around to make big ticket purchases like a flat or an apartment, without resorting to a bank loan.
Bank loans have attained the reputation of a necessity in todays scenario where temptations to own products are so great that one takes the recourse of a bank loan and in return enjoys the product or benefit from the appreciation of an asset purchased while paying backing installments. Be it an auto loan, a bank loan for a specific purpose or a home loan, present day banking system provides loans for practically anything and everything that one may want to own. Without these convenient bank loans lots of people would never been able to purchase that new car or a laptop or a home.
Factually, a bank home loan is similar to a mortgage with a collateral attached. The only matter of concern that remains is that one gets tied up for a long period and has to keep on paying interest on the loan.
With the passage of time, bank loans have become so versatile that there are bank loans for buying white goods, consumer goods like computers and even for repairs, renovations, marriages and celebrations. It is a case of you name it and that bank has it. There exist student loans too, where a bank advances money for studies with a condition of repayment after the student joins the mainstream and starts earning.
Broadly speaking, even credit cards are a form of a bank loan that you can repay and some banks even offer you loans to pay up other loans you may have taken in the past.
Bank loans issued to individuals for the purpose of housing probably out number other loans issued by banks. But they may not compare in volume or value to bank loans issued to businesses worldwide. Whether it is a small business operated out of the home or a large business that needs millions of dollars in order to tide over a cash flow problem or to acquire assets, bank loans issued to businesses far outstrip individual loans. In fact it will not be an exaggeration if one were to say that without bank loans the vast majority of business worldwide would collapse. Business in modern day thrives on the banking system and the investment, lending, finance and credit that it facilitates.
Can non-US Residents/Citizens invest in IPOs and Mutual Funds? If so, whats an online broker?
M.T.A.
I have contacted Etrade and they transferred my inquiry to the Dubai branch which replied that since I am not a US citizen nor resident, I will not be able to invest in IPOs or Mutual Funds? Can someone confirm or provide a way to be able to invest in those two methods?
I have contacted Etrade and they transferred my inquiry to the Dubai branch which replied that since I am not a US citizen nor resident, I will not be able to invest in IPOs or Mutual Funds? Can someone confirm or provide a way to be able to invest in those two methods?
Does the Bangladesh government cap foreign investment to USD 30,000?
Hyder
I met a guy in Dubai from a multinational company based in Bangladesh. He says he needs someone to invest in his business expansion to Dubai. I asked to why his company won’t invest in it directly and he answers by saying that the Bangladeshi government caps foreign investments to USD 30,000.
I met a guy in Dubai from a multinational company based in Bangladesh. He says he needs someone to invest in his business expansion to Dubai. I asked to why his company won’t invest in it directly and he answers by saying that the Bangladeshi government caps foreign investments to USD 30,000.
Is that right? I mean, I’m willing to invest in it directly but I need to be sure that this guys claim is authentic before moving on any further.
I’ve researched the company he’s claiming to be from and if he really is from that company, I see a real good return on my investment.
Would appreciate any info, experiences.
Lol… i guess u’re right… i’m used to make others do the work for me!
Have you heard of the Dubai country?
January 19, 2009 by admin
Filed under Other - Society & Culture
DCNY1992
What do you think of it? Do you like their country?
What do you think America should do to be more like them or similiar?
Should the Usa invest more like them and manufacture?
If you don’t like this country why dont you like it?
I should consider moving their myself maybe
What do you think of it? Do you like their country?
What do you think America should do to be more like them or similiar?
Should the Usa invest more like them and manufacture?
If you don’t like this country why dont you like it?
I should consider moving their myself maybe