Personal finance
Why Stocks Go Down When Interest Rates Rise
Friday, August 14th, 2009What are the links between interest rates and the stock market? Essentially, interest is the cost one pays when he/she uses someone else’s money. However, when we talk of the stock market and the impact of the interest rates, the term interest refers to something else. This is the cost paid by the banks as [...]
Finding the right debt professional
Sunday, August 2nd, 2009If you are a borrower and have not been able to pay the debt then you can approach your lender to give you some waiver or time so that you can pay off but if you are on the other side of the table and are the lender, the equations changes a lot. Whom can [...]
Smart ways to find private equity
Monday, July 20th, 2009Raising capital requires marketing skills like any other business undertaking. The process of raising capital should therefore both be regarded, and treated like a marketing activity. The first part of this venture is the generation process, where you need to find private equity firms as well as venture capital firms and clearly identify them into [...]
Multiple student loan consolidation
Sunday, April 26th, 2009During your college days, it is very obvious that you may have incurred quite a lump sum in form of some or other debt. Post graduation comes the repayment time, unbelievably the toughest phase. It’s better if you can consolidate your loans right away, that will ease your tension and will also save relieve you [...]
Are you aware of 125% Home Equity Loans?
Friday, April 17th, 2009Every home is evaluated at a certain price. It might be running certain mortgages too. The amount in excess of the principal pending balance is the equity for the home. You can get further mortgages against the equity of your home as collateral. A home equity loam is then a second mortgage that is offered [...]
Seven Ways to Avoid a Heavy Withdrawal Penalty on Your IRA
Tuesday, April 14th, 2009If you are an IRA owner, perhaps you know that you are marked for a 10 percent penalty in case of withdrawing funds earlier than the stipulated time. You can’t run away from these deductions in a normal scenario but if you can illustrate urgency then you might get away with the 10 percent penalty [...]
Loan modification myths and facts
Tuesday, February 10th, 2009Loans can be modified if a person finds mortgages piled up on him for two or more consecutive months. The lender or lending organization feels that a modification is better than the borrower seeking liquidation or bankruptcy. It is a fact that such modification claims that the borrower is able to pay a decreased mortgage [...]
Guaranteed loans from the Government
Saturday, February 7th, 2009Today, the FHA has swung into action again. It was a little down after the sub-prime crisis. FHA guarantees a loan for a lender and in case of a buyer default; the lender is indemnified by the FHA. The FHA loans are such government loans then, which can be received without much hassle. These loans [...]
What is negative gearing?
Friday, January 23rd, 2009Have you ever heard of a kind of leveraged speculation in which a borrower borrows money to purchase an asset but then falls short of earning through that? This is because his mortgage is higher than revenue generated through the asset. This is known as Negative gearing. It’s the opposite of positive gearing where you [...]