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Should I Purchase the House For All Cash?
March 6, 2000 "My wife and I are both in our late 20s and would like to buy a home for $250,000. We have $500,000 in available assets, including cash, stock, and bonds, as well as $100,000 in retirement assets. We have no debt. We can afford to pay cash for the home. Should ... more...

Are Prepayments on a Balloon Loan Wise?
May 24, 1999 "I recently purchased a condominium financed by the seller at 5.5% interest over 34 years, with a balloon due in 10 years. Is it wise for me to make extra principal payments so that the balloon payment will be smaller, or should I invest my extra income ... more...

invest stock market related definitions

Secondary Mortgage Market
Secondary Mortgage Market The place where primary mortgage lenders sell the mortgages to investors like Fannie Mae or Freddie Mac in order to obtain more funds for originating more new loans. Secondary mortgage market provides liquidity for the lenders. Government-sponsored ... more...

Market Value
Market Value The highest price that a buyer would pay and the lowest price a seller would accept on a property. Market value is the most probable price which a property should bring in under normal market conditions and may be different from the price a property could actually be ... more...

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Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Real Estate Clubs Hot Among Investors
Six or seven years ago, the stock market was booming, Internet companies that no one had ever heard of were valued at billions of dollars, and anyone and everyone was investing their money in tech stocks. Then, in 2000, the stock market crashed, the Internet companies closed their doors, investors ... more...

Understanding Your Finances Can Give You Power And Choice
What is finance and what do you need to know? Finance can mean different things. It may refer to your personal financial situation. It could refer to your investments or a business's investments. It could refer to a credit or loan purchase.Financing can be involved in your life in different ways ... more...

The Elephant
Four blind men were asked to give a description of an elephant. They had not seen one or ever encountered such a beast.One grabbed hold of its tail. Another put his arms around a leg. The third gripped its trunk and the fourth walked into the side. The description given by each one was correct and ... more...

Time is Money and We Are Running Out of Both!
One of the fundamental principles of finance is the concept that $1 today is more valuable than $1 a year from now.Making adjustments for inflation, the dollar will buy less goods and services next year.But I can invest that dollar today and earn a ROI (Return On Investment) in the form of ... more...

Approaching the Venture Capital Market
Many of todays new ventures, particularly Internet startups with their enormous cash requirements, high risk, and high potential return, require approaching the venture capital marketplace. Venture capital investors are difficult to characterize, but we can discuss what venture capital firms ... more...

Earth Day: Grow Your Money
Take care of the earth and she will take care of you. Author UnknownMother Nature is a big believer in quid pro quo. Do something nice for her and shell do something nice for you. You see quid pro quo isnt just some evil tool used by lobbyists like Jack Abramoff or mobsters like Tony Soprano ... more...

Real Estate Remains A Strong Investment
Opportunities to make big, quick profits in residential real estate tend to come and go in cycles. When a local market is hot, families may find it possible to buy a house at an attractive price, fix it up, and watch its value rise in just a few years.When the same local market is at the low end ... more...

Real Estate Margin Calls
Have you ever heard of a real estate margin call? You know about stock market margin calls. Thats when you have bought more stock than you have money and borrowed from your broker to buy extra shares. You bought $10,000 of stock, but only have $5,000 in your account.It is great as long as the ... more...

Margin Benefits are Marginal at Best
Margin is one of those things that novices find puzzling about the stock market, but the concept is really quite simple. Still, with understanding the basics of using margin accounts, determining the wisdom of using margin can be quite a conundrum.A margin account is a traditional investment ... more...

How To Build Financial Independence
Your most important responsibility as an adult is to achieve financial independence for yourself and for your family. Aside from the practical tangible benefits of having all the money you need, there are even more important reasons for obtaining financial freedom.To achieve financial freedom you ... more...

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