mujibraaja


I am living in Dubai (UAE) I want know how can invest in gold investment- what the lowest investment in gold market-basically I am an indian.

Morgan Kennedy


There are many different types of bank loans available and we are going to look at a few here. First we have the 15 and 30 year mortgage loans. A 15 year mortgage is they type of mortgage that requires higher monthly payments. The flip side to this though is that it builds equity a whole lot faster. A 30 year mortgage is the type of mortgage that generally costs more in the end but will give you a lower down payment.

Next we have adjustable rate mortgages also known as ARM’s. These differ from fixed rate types of mortgages because in an ARM the interest rate and monthly payment can increase and decrease depending on the market rate.

Now we have what is called a home equity loan. This loan is sometimes abbreviated HEL. The HEL is the type of loan where the borrower will use the equity that they have built up in the home they own as collateral . These loans can sometimes be very useful when it comes to helping finance any medical bills, large home repairs, or even your child’s college education. The only downside to a home equity loan is that it creates a lien against the home thereby reducing your homes equity. This is also considered a second home mortgage.

Next we have an interest-only loan. An interest-only loan is a loan that is set for a specific term and the borrower will pay only the interest on the principal balance .

Another type of loan is a consolidation loan. A consolidation loan is the action of replacing multiple loans with a single loan. This type of loan often comes with a lower monthly payment but a longer repayment period . This can also be called debt consolidation.

A line of credit is a certain type of revolving credit in which you’re home or other property will serve as collateral. No matter which loan you choose the general basis as to whether you get it or not will be based on your overall credit. You don’t get much with bad credit.

ZD


Is it better to invest in the Indian market with a loan from a bank in Dubai or a loan from a bank back in India? and which bank?

Candy H


I live in a 1987 doublewide mobile home – its made out of wood not tin. I own it 100% and its valued at $40K+ but it needs work – like new windows and I would love to remodel the kitchen but have yet to find any companies that offer financing.
Per the county thats what its valued at – please don’t answer if you are ignorant.
Its in a park – I was told by my bank they would finance moving it and a piece of land. I just want an improvement loan.

ksralkwatr

Dubai is a tiny sheikdom with big dreams. Thanks to a combination of extraordinary wealth and vision, it has transformed itself from desert sand into an international business center and tourist destination. The man behind Dubai’s rise is its leader Sheikh Mohammed bin Rashid Al Maktoum. Steve Kroft introduces us to the Sheikh and his desert oasis.

Martin Lukac


As interest rate climb, most bond owners are shaking their heads. The price of existing bonds falls when rates are on the rise. There is a way to offset the decline. You can invest in bank loan funds, also known as floating rate funds. There is a risk to these funds, but they can be a rewarding alternative to traditional fixed-income investments.

Bank loan funds are made up of loans made by banks or other financial institutions to companies. They are often below investment grade. They aren’t really fixed income; there is the potential of losing money. The funds can provide a return equal to or better than high-yield money market accounts. The loans that make up the funds are short-term. This allows the lenders the opportunity to frequently raise the interest rate. This helps the funds keep pace with interest rate changes and helps keep the principal more stable than with a typical bond fund.

According to many portfolio managers, the way the loans are structured removes a lot of the risk to investors. The loans are secured by cash or assets. The funds are not independently rated, but experts say the bank should be able to show you the performance of the fund. The bank will package the loans and sell them, and the funds come into play.

Ban loan funds are senior loans. If the company defaults, senior loans must be paid back before bond holders are. You may not receive enough to cover your initial investment, but something is better than the nothing you could receive with a high-yield bond. Typically, in the case of default, the investors will recover 75 to 80 cents on the dollar.

The change of losing principal is reduced because the interest rates on the loans reset very quickly. Short-term interest rates rise and fall in response to the Federal Reserve. That, combined with the short terms of the loans, makes for a fund that responds quickly to the rise and fall of interest rates.

Many brokerages, including Merrill Lynch and Eaton Vance, sell bank loan funds. In certain asset classes there may be a high expense ration. Make sure that you check every fund out carefully.

Many funds in this group allow investors to buy shares at any time. There are some funds that will allow you redemptions at any time, while others will restrict you to monthly or quarterly redemptions.

jhkauser


Because of health problems I had to retire at age 40 about 18 years ago from IBM Dubai. So far I have been relying on banks and live from whatever little returns I got because my ‘handshake’ stayed in tact. I would like to maximize my earnings with minimum risk involvment. Also I can work from home. A combination of both should in my opinion give me a comfortable life in Pakistan. My responsibilities are minimul. I live at my own home with mother and sister. No tax obligations either. I am on the net exploring all possibilities before I take any decisions about investing but I can start working from home rightaway if you guide me. I can devote all my time in the day to such an activity. I have got a new notebook with a broadband connection. If I get encouraging response I can exert more effort.
I can move to another country if you like me to assist you in your business; might need a little training. Feel free to discuss, even emigration and long term relationship with a kind lady!!!!

Grace D


I am trying to develop a millionaire’s mindset. What thoughts and actions belong to someone who is wealthy?

DubaiHolding

Discover investment opportunities in Dubai with Dubai Holding. Business in Dubai and the UAE requires professional knowledge of local markets and Dubai Holdings experience is exceptional

D B


There are 2 residential lots in this neighborhood that is up and coming. I want to buy the two lots but sit on them for about a year or so. How would the financing work? Do you finance something like that as you would a 30 yr mortgage?