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HUD's Proposals For Reform
October 19, 2002 On July 29, 2002, HUD released a set of proposals to substantially change the ways in which home loans are originated in the US.  As usual, the proposals were open for comment, and many thousands of them were received.  Mine was among them, and is shown ... more...

Misperceptions About Interest-Only Mortgage Loans
NOTE: IF YOU WANT THE CRITICAL FACTS ABOUT INTEREST-ONLY WITHOUT ANY FRILLS, GO TO THE INTEREST-ONLY TUTORIAL. April 8, 2003 I continue to be dumbfounded by the claims about interest-only loans reported to me by mortgage shoppers.  Whether the claims originate with loan ... more...

only interest 1 finance seller copyright real estate agent related definitions

Adjustable Rate Mortgage, ARM
Adjustable Rate Mortgage (ARM) Also known as a variable rate mortgage. The interest rate on these mortgages changes periodically. Variable or adjustable loans are loans whose interest rate fluctuates over the period of the ... more...

Real Estate Investment Trust
Real Estate Investment Trust (REIT) A trust that uses investors money to purchase and manage real estate. A Real Estate Investment Trust (REIT) is a company that invests its assets in real estate holdings. REIT investments may be excellent inflation hedge. REIT's ... more...

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MLM Survival Guide-Tips, Tricks & Traps Revealed
The purpose of this guide is to provide a step-by-step procedure for starting, operating and optimizing a MLM based business, and to do this without making serous mistakes along the way. There are volumes of books on this subject, so this guide will not attempt to "rehash" the "rose colored" views ... more...

WhereTo Get Money For A Franchise Idea
How often have you thumbed through a business opportunity magazine, noticed a franchise opportunity advertisement, and felt you'd really like to get in on that...if only you had the money? If you're like most who are seeking greater opportunity and wealth, this probably happens with you more often ... more...

Writing For Dollars -- A Freelancer's Guide
If you have writing skills and want to use your skills to earn some income for yourself and families, we offer a few tips here. You can get some good opportunities from your local area and from Internet. Your novel sits unfinished, waiting for a burst of inspiration to send it out to be typewriter ... more...

Where To Get Money For a Franchise Idea
How often have you thumbed through a business opportunity magazine, noticed a franchise opportunity advertisement, and felt you'd really like to get in on that...if only you had the money? If you're like most who are seeking greater opportunity and wealth, this probably happens with you more often ... more...

The Perfect Book and Where to Find It!
If I was asked to describe the perfect book, one thats in high demand, moves off the shelves quickly, costs little or nothing to produce, involves the least amount of work possible, and offers multi-income streams, Id say it included one, preferably more of the following features:It Must Be Quick ... more...

Real Estate: Buyer's Agent, Seller's Agent & Dual Agent (defined and explained)
There is a relatively new and not always well understood practice in Real Estate sales; it is called Buyer Agency or Buyer's Agent. Until recently Realtors and agents usually represented the seller, in opposition to the buyer, during the real estate transaction. Even the real estate agent who drove ... more...

Student Home Purchase Plan
Tuition costs are climbing, housing costs are climbing, it seems like all the costs for students are climbing these days. Students can afford cost increases less than any other demographic in Canada. Because of this, parents and students alike are looking for new ways to offset the costs of ... more...

Landlord Insurance
You have just spent a lot of money buying a property either it is your home and you are going to work overseas for a while or in a different part of the country. It might be an investment property a buy to let or a buy to let via a SIPPs Property Pension. You might just have inherited the ... more...

Creating A Realistic Budget
Budgeting -- ooh, what a scary word! If you want to frighten someone whose finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold ... more...

Give Yourself Credit
The Beginning of the Credit Card EraIn 1951, Diners Club issued the first credit card to 200 customers who could use it at 27 restaurants in New York City. From that modest beginning, credit cards have become an indispensable part of modern life. Consumers rely on credit cards to help them achieve ... more...

How I Became a Real Estate Investor
Recently I closed on the sale of two homes. They were located about a mile apart and had comparable market values. However, beyond these two similarities, the two deals were very different from each other. Let me discuss in more detail the similarities and differences of the two deals.My business ... more...

Adverse Debt Levels Blight UK Consumers Personal Finances
Debt levels are at an all time high in the UK. The younger generation tend to be feeling the pinch the most, but parents are increasingly being required to bail them out, often at great expense to their own limited mortgage or retirement savings.It has become almost accepted as a fact of life that ... more...

Bad Credit? No Credit? No Money? No Problem!
Have you ever walked into a bank or mortgage brokers office to apply for a mortgage loan and was told, Your credit doesnt meet our guidelines? Or even better, you dont have enough money for the down payment. How about, You dont have a long enough credit history for us to tell if you are a viable ... more...


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