Real Estate: Financial Considerations $$$
Raw land as opposed to improved property is much more difficult to finance through traditional lenders. The main reasons are that it generates very little income, development costs can be expensive, there are no buildings or improvements that can be used as collateral, and it is often considered ... more...

Real Estate Lease Option Danger
Why are real estate investors having so much success offering "rent to own" homes?Lease-options offer home ownership opportunities to folks with little cash and not so hot credit.Oh boy, there are plenty of those around.Both parties in a lease-option deal are counting on the buyer being able to ... more...

Fed Hikes Interest Rates Again
On November 1, 2005, the Federal Reserve Bank [Fed] raised interest rates one quarter of a percentage point. Since Summer 2004, outgoing Fed Chairman Alan Greenspan has been raising interest rates on a regular basis since hitting its low point of just 1%. Now at 4%, Greenspan is expected to raise ... more...

Check The Appraisal Carefully To Avoid Being A Fraud Victim
There is a type of investor fraud in which an unsuspecting Real Estate investor believes he is buying a property worth a certain amount, when in reality the property is worth much less. This places the investor in a hopelessly upside down situation, owing more money than the property will ever be ... more...

The Greatest Stedilnica Crisis in History
A crisis the size of the TAT crisis, is, inevitably, political. It involves thousands of citizens, many decision makers from every walk of life and the very economic and financial fabric of the country.But, the TAT crisis pales in comparison with other, similar, crises in other countries in the ... more...

Foreclosure Home Deals
Did you know that you can save tens of thousands of dollars on the purchase of your home by investing in a foreclosure or preforeclosure property? When you are trying to purchase a home for the first time, and you have limited resources and limited funds, it is particularly important that you get ... more...

Your Debt To Income Ratio
To stay out of debt, you must spend less money than you earn. Implementing this financial plan is often more difficult than it would seem. Your debt to income ratio is an important part of your overall credit history. If you spend more money than you earn, your debt to income ratio will be high, ... more...

Prescription for a Happy Marriage
Prescription for a happy marriage: one cup of tea or coffee, to be taken each morning before rising.Sounds simple, doesn't it? And yet every year thousands of couples head for the divorce courts, or make pre-nuptial agreements in the expectation that the marriage will fail.One factor contributing ... more...

Do You Need A Financial Planner?
No matter how much money you make, it pays to keep on top of money coming in and going out. Even if you do a good job of that, there are important times in your life when talking with a professional adviser makes sense.Almost every major life event - finding or losing a job, getting married or ... more...

Buying Houses: Types of Bargains to Find
To make a good profit in real estate, you must buy right. Check out all property types available to find the best transaction for your specific situation. Consider fixers, distressed sales, repossessions, multiple listings, for sale by owners, and vacant properties just wasting away.Distressed ... more...

Are Interest Rates Up, Up and Away?
Interest rates have been at their lowest levels in over 40 years. U.S. consumers have been able to purchase previously unaffordable homes, cars and other toys. Many have used cheap home equity loans to remodel, take vacations and pay off credit cards. Students have taken advantage of the ... more...

Making Money with Credit Cards Instead of Spending Money
Is it possible to actually make money with credit cards instead of just using them to spend money? Well, of course for the large credit card companies and banks. But how about for the average person? Is it really possible for the average person to make money in the credit card industry?The ... more...