Page 73«..1020..72737475..80..»

Archive for the ‘Investment’ Category

cir2.com – Cambridge Investment Research

Posted: April 23, 2018 at 2:42 am


without comments

Cambridge delivers innovation in financial solutions.

Cambridge Investment Group, Inc. is a privately-controlled financial solutions firm focused on serving independent financial advisors and their investing clients. Cambridge is also a national corporation with a registered investment advisor as well as an industry leading independent broker-dealer. Cambridge offers a broad range of choices regarding advisor-focused financial solutions:

Innovation in financial solutions and diversity in focused services for a wide variety of advisor business models.

These financial solutions and more are available along with specialized insight from The Fee Experts all of which provides a menu of choices for the independent financial professional as they choose the customizable experience that best meets their objectives for their business and the needs of their investing clients. To best support independent financial professionals and their clients, we continue to support traditional commission options while significantly expanding our flexibility and footprint within the advisory segment as we focus our innovation efforts on fees. At Cambridge, we believe investment advice and financial and retirement planning guidance may be based on compensation in the form of fees, commissions, or both, with an independent financial professional continuing to focus on providing advice and guidance aligned with the clients best interests.

Flexibility for advisors committed to maintaining their independence while preserving the right of choice for their investing clients.

Cambridges national reach includes: Cambridge Investment Research Advisors, Inc. a large corporate RIA; and Cambridge Investment Research, Inc. an independent broker-dealer, member FINRA/SIPC, that is among the largest privately-controlled independent broker-dealers in the country. Overall, Cambridge supports several thousand independent financial professionals nationwide who serve their hundreds of thousands of clients as registered representatives and investment advisor representatives, choosing to use either Cambridges firm Registered Investment Adviser or their own.

Prioritizing the needs of the independent financial professional and their clients.

Long recognized as a pioneer of the hybrid fees and commissions model, our continual drive for innovative solutions means we are at the forefront of succession and acquisition planning while proactively transforming services and business processes with a visionary view on regulatory change, product evolution, increasing client demands, and opportunities in the marketplace. Cambridge is also actively seeking and supporting Next Gen talent for the advice industry; and this includes The Next Step internship program focused on professional careers for aspiring professionals ranging from corporate headquarters to advisor office leadership roles.

Honored to be among the most respected firms in the industry, Cambridge remains strong and growing in part due to our conservative financial strategies and the disciplined efforts of financial professionals in their independent businesses. More importantly, we believe our long-term success is largely due to the appeal of moderate business practices and traditional values.

At Cambridge, our purpose is to make a difference in the lives of our advisors, their clients, and our associates. We are proud that advisors who share its core values of integrity, commitment, flexibility, and kindness choose Cambridge as their financial solutions firm. The advisors affiliated with Cambridge live and work in communities all across the country, servicing investing clients who reflect the unique demographics of their communities.

Join us in celebrating true independence and unwavering values of integrity, commitment, flexibility, and kindness.

At Cambridge, we are focused on the financial professional with an independent mindset and dedication to best serving the needs of their investing clients. Remaining independent and privately controlled has long been part of our plan. We believe that independence is important to our ability to control our destiny so financial professionals can better control of their journey as independent business owners.

Experience the Cambridge difference.

Check the background of this firm and investment professional(s) on FINRAs BrokerCheck.

See the original post:
cir2.com - Cambridge Investment Research

Written by simmons

April 23rd, 2018 at 2:42 am

Posted in Investment

Investools.com – Accessing Courses

Posted: April 6, 2018 at 11:43 am


without comments

AdChoices

Market volatility, volume and system availability may delay account access and trade executions.

Educational resources are provided for general information purposes only and should not be considered an individualized recommendation or advice.

Reviewed against 15 other online brokers in the StockBrokers.com Online Broker Review 2017, TD Ameritrade was ranked #1 overall. We also rated #1 in several categories, including Offering of Investments, Platform & Tools, Customer Service Education New Investors, and Mobile Trading. And we received Industry Awards from StockBrokers.com for #1 New Tool (thinkorswim earnings analysis), #1 Phone Support, #1 Smartphone App (TD Ameritrade Mobile Trader), #1 Desktop Platform (thinkorswim), and #1 Trader Community. In addition, Essential Portfolios, from TD Ameritrade Investment Management, LLC, received a StockBrokers.com award for #1 Goal Tracker. HYPERLINK "http://www.stockbrokers.com/annual-broker-review"Read the full article.

TD Ameritrade was evaluated against 15 others in the 2017 Barrons Online Broker Review, March 18, 2017. The firm was ranked 1st in the categories Best for Long-Term Investing, Best for Usability, and Best for Novices. TD Ameritrade was also awarded the highest star ratings (4.5) in Best for Options Traders (shared with 2 others) and (4.5) in Best for Investor Education (shared with 2 others). Also received 4 stars in Best for Frequent Traders. Star ratings are out of a possible 5. Barrons is a trademark of Dow Jones. L.P. All rights reserved.

TD Ameritrade was recognized as a top overall online broker for beginners in NerdWallet's 2017 Editor Review.

*Offer valid for one new Individual, Joint or IRA TDAmeritrade account opened by9/30/2018 and funded within 60 calendar days of account opening with $3,000 or more. To receive $100 bonus, account must be funded with $25,000-$99,999. To receive $300 bonus, account must be funded with $100,000-249,999. To receive $600 bonus, account must be funded with $250,000 or more. Offer is not valid on tax-exempt trusts, 401k accounts, Keogh plans, profit sharing plan, or money purchase plan. Offer is not transferable and not valid with internal transfers, TD Ameritrade Institutional accounts, accounts managed by TD Ameritrade Investment Management, LLC, current TDAmeritrade accounts or with other offers.Accounts funded with $3,000 or more are eligible for up to 500 commission-free trade internet equity, ETF, or option trades executed within 60 calendar days of account funding. All other trade types are excluded from this offer. Contract, exercise, and assignment fees still apply. No credit will be given for unexecuted trades. Limit one offer per client. Account value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading or market volatility or margin debit balances) for 12 months, or TD Ameritrade may charge the account for the cost of the offer at its sole discretion. TDAmeritrade reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Please allow 3-5 business days for any cash deposits to post to account. Taxes related to TDAmeritrade offers are your responsibility. All promotional items and cash received during the calendar year will be included 0n your consolidated From 1099. Please consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules. (Offer Code: 220)

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

Brokerage services provided by TDAmeritrade, Inc., memberFINRA/ SIPC. TDAmeritrade is a trademark jointly owned by TDAmeritrade IP Company, Inc. and The Toronto-Dominion Bank. 2018 TDAmeritrade.

Visit link:
Investools.com - Accessing Courses

Written by admin

April 6th, 2018 at 11:43 am

Posted in Investment

New Voices in Investment: A Survey of Investors From …

Posted: March 28, 2018 at 10:43 am


without comments

The Study

One out of every three dollars invested abroad in 2013 originated in firms from emerging economies. Yet we still have a limited understanding of the factors driving the impressive rise and patterns of internationalization of emerging market multinationals. Drawing on a survey of 713 firms from emerging countries, New Voices in Investment: A Survey of Investors from Emerging Countries sheds light on the characteristics, motivations, strategies, and needs of emerging-market investors.

In contrast to previous surveys of foreign investors, the sample of the Potential Investor Survey includes not only investors, but also firms that considered investing and decided not to, and companies that never considered establishing a foreign presence. This novel survey design reveals differences in incentives and obstacles faced by investors, potential investors, and non-investors. This distinction matters enormously, particularly in identifying binding constraints on foreign investment among those that never managed to carry out the cross-border investment.

There are significant differences among investors and noninvestors. Investors are significantly more dependent on international trade than noninvestors. Indeed, the greater the proportion of earnings that a firm derives from international trade, the more likely it will be to consider investing abroad. Moreover, firms that are publicly listed, owned by domestic capital, and are larger in terms of their labor force are more likely to invest in developing countries.

Emerging market investors exhibit a strong regional bias. While some analysts have stressed the greater geographical dispersion of the recent wave of outward FDI flows from emerging economies, we find that firms in our sample invest more heavily in neighboring countries, where they face lower informational costs and cultural barriers. This regional concentration is stronger for investment in the services sector. Yet, there is cross-country heterogeneity. Firms from India appear to be more globalized than their counterparts from Brazil, South Africa, and Korea, investing more heavily in East Asia and Europe than in the South Asian region

Outward FDI from emerging economies is primarily market and efficiency seeking. For almost 70% of investors surveyed, accessing new markets was the main motivation for investing abroad. Another 20% of respondents invested abroad to lower production costs. Only 5% of investors were driven by the availability of natural resources. The interest of emerging market multilaterals in taking advantage of opportunities for market and business expansion in developing countries is also evident when analyzing the factors that influence their location decisions. Almost 36 percent of investors selected the size of the domestic and regional markets as the top factor influencing their choice of an investment destination. For 30 percent of the firms surveyed, the presence of a variety of potential business counterparts was the most important location factor. A sizeable proportion of respondents (12 percent) worried primarily about the cost of labor.

Emerging markets firms confront a trade-off between market size and market familiarity. The clear regional concentration that emerges from our data suggests that firms face binding costs of investing in distant, culturally dissimilar markets, particularly those in the services sector. Our findings show that firms are more likely to invest in countries that share borders, and have a common colonial history and language.

International economic agreements facilitate cross-border investments. By contributing to regulatory clarity and stability, bilateral investment treaties partly offset the costs associated with investing in faraway and/or unfamiliar markets. Trade agreements, in turn, increase the perceived attractiveness of a host country by providing firms with opportunities to access new markets and reduce the costs of trade.

Political factors constitute binding constraints that deter some emerging-market firms from investing in developing markets. Far from being immune to political risk and cultural uncertainty in host markets, those firms that are more averse to these conditions seem to self-select out of foreign investment. Investors, in turn, value political stability and transparency more than corruption control and fair elections in the host country.

National investment promotion agencies play only a marginal role in raising awareness of investment opportunities in developing countries. Nevertheless, these agencies appear to be a widely used and useful resource for investors once they have made the decision to enter a specific market. In line with previous research, our findings show that investment promotion agency services tend to be more valuable for smaller and less productive firms, for which access to information is more costly.

Our findings suggest that developing countries can increase their attractiveness to investors from emerging and newly emerged economies through a series of policy measures, including:

Read the original post:
New Voices in Investment: A Survey of Investors From ...

Written by grays

March 28th, 2018 at 10:43 am

Posted in Investment

Investment Research Dynamics

Posted: March 18, 2018 at 4:42 pm


without comments

The consequences of Gold Truth, such as it is but has not yet been revealed, are beyond sobering. If the Gold Truth is that USG, Inc. does not possess and own the gold it has promised the world that it owns and possesses, every last shred of monetary, fiscal, financial, economic and moral authority that USG, Inc. still possesses would be destroyed in a matter of seconds. And it is virtually impossible to see how the U.S. dollar could survive such a revelation without plummeting. Stewart Dougherty

Stewart Dougherty has written another compelling, thought-provoking essay about gold and the United States Governments intentional omission of gold as the foundation of monetary and fiscal policy. Please note that Mr. Doughterys view of Trump does not represent IRDs view of Trump or his efforts as President.

Passivity is fatal to us. Our goal is to make the enemy passive. Communism is notlove. Communism is a hammer which we use to crush the enemy. Mao Tse-tung, proclaiming the founding of the Peoples Republic of China, 1949

Circumstantial evidence is mounting high that there is something seriously wrong with the amount of gold reportedly owned by the United States government, or more precisely, the American people.

After nearly two generations of being brainwashed into believing that gold is a meaningless relic, western citizens have lost all concept of golds crucial monetary importance. If it turns out that the United States does not, in fact, possess and own the gold it claims to, the monetary, fiscal, economic, and humanitarian fallout will be unprecedented in its destructiveness. Unfortunately, the people have no idea what is at stake.

The largest corporation in the world, by far, is the United States government. No other corporation has anything even close to its $3.4 trillion in annual revenues, and $4.4 trillion in annual expenses. And no other corporation has ever suffered multiple annual losses exceeding $1 trillion dollars, nor could it have, as such losses would have financially annihilated it. To be able to print money at will and without limit, as USG, Inc. can do, has blinded it to the powerful beast called Consequences that is slowly and methodically hunting it down.

USG, Inc. employs thousands of accountants, many of whom work at the Congressional Budget Office. The CBO prepares detailed budgets, one of which looks forward thirty years, and then extrapolates the numerical trends for an additional forty-five years, for a total forward horizon of 75 years. The 2015 report examines USG, Inc.s projected performance until the year 2090. According to that report, not only will USG, Inc. lose money every single year for the next 75 years, the losses will actually accelerate each year and total more than $300 trillion. In 2047 alone, the deficit is estimated to be $5.3 trillion, on a cash accounting basis. On an accrual accounting basis, it will be far worse, if USG, Inc. even makes it to that point in its current state, something we find it difficult to envision. It is arithmetically impossible for the dollar to avoid destruction in such a scenario.

It should be no surprise that USG, Inc.s finances are such a disaster, because for the past generation and longer, the CEOs of USG, Inc. have never in their lives held real jobs in the productive economy, other than GW Bushs brief stints as a member of an oil and then a baseball investor group, which is not the kind of real job we mean. Instead, these CEOs have all been professional politicians, who by definition do not contribute to the real economy, but rather, feed upon it.

This pattern was about to repeat itself in 2016, with the Deep States planned installation of Hillary Clinton into the CEO role at USG, Inc. Clinton, too, has never in her life had a real job in the productive economy, and has precisely zero experience managing anything even beginning to resemble a massive corporation with millions of employees and projected $1+ trillion, accelerating annual losses extending as far as eyes can see. This is exactly what the Deep State wanted: a corrupt, financially clueless, ideological figurehead, who would be oblivious as they ramped up the looting of USG, Inc. to a new level of rapaciousness while she was busy hectoring the nations producers and taxpayers about their deplorable selves. It is this looting that is the precise reason why USG, Inc. is now drowning in losses and debt, and is strategically paralyzed.

While anyone with any common sense would immediately understand that it would be ridiculous to expect that someone with zero education, training or experience in engineering could oversee the design of a spacecraft capable of landing on Mars, or that someone with zero medical education, training or experience could successfully conduct brain surgery, for some unfathomable reason, people think that someone with zero business education, training or experience can successfully manage the worlds largest corporation. USG, Inc.s catastrophic financial results demonstrate the regrettable stupidity of that thought.

TO READ THE REST, PLEASE CLICK HERE: IF YOU DONT HAVE GOLD

Here is the original post:
Investment Research Dynamics

Written by simmons

March 18th, 2018 at 4:42 pm

Posted in Investment

Ace Investment

Posted: March 10, 2018 at 10:42 am


without comments

Some Words About Us

Ace Investment Advisory is the Most Trusted SEBI Registered Investment Advisory in India gives best advisory services in Equity & Futures segment covers Intraday future Picks, Equity and Nifty Future Picks, btst/stbt service and positional delivery based services. If youre looking for expert stock recommendations for medium to long term investments or Intraday Trading Tips in the stock market then you are at right path. Our services facilitate and enable our clients to focus on their core businesses without additional hindrances. Our aim to make an industry of professional traders.

Whether youre a trigger-happy trader looking for great profit opportunities, or a busy working professional who wants to lock in steady weekly gains without being chained to a computer all day my proven, market-tested system will quickly put you on the "fast track" to becoming a winning stock trader!

Get up to 10 swing trade alerts per week via text & whatsapp

Prefer to make your trades at a slower pace? If youre a busy professional looking to make a few trades a week to grow your net worth, or improve your quality of life, then our Swing Trading Picks service is perfectly tailored to fit your needs and goals.This is how easy trading should be!

Swing Trading Picks

Read the original here:
Ace Investment

Written by admin

March 10th, 2018 at 10:42 am

Posted in Investment

Betterment | Rethink What Your Money Can Do

Posted: March 1, 2018 at 12:41 am


without comments

This website is operated and maintained by Betterment LLC, an SEC Registered Investment Advisor. Terms & Legal Privacy Policy Trademark. How Betterment calculates "better returns". Unless otherwise specified, all return figures shown above are for illustrative purposes only, and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market circumstances.

Brokerage services provided to clients of Betterment LLC by Betterment Securities, an SEC registered broker-dealer and member FINRA/SIPC.

Investments: Not FDIC Insured No Bank Guarantee May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and Betterment's charges and expenses. Betterment's internet-based services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2 and other disclosures. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment is not registered. Market Data by Xignite.

See how we determine the largest independent online financial advisor.

The information provided by Betterment Support is educational only and is not investment or tax advice.

Betterment Holdings Inc.

Read more:
Betterment | Rethink What Your Money Can Do

Written by admin

March 1st, 2018 at 12:41 am

Posted in Investment

I bought 3 investment properties this year. Can I write …

Posted: February 21, 2018 at 2:50 pm


without comments

Yes, but not exactly. If it is rental property, that has been "placed in service", mortgage interest is deducted on schedule E with other rental expenses.

Otherwise, mortgage interest on unproductive investment property is only deductible to the extent of other investment income but isnot subject to the 2% of AGI rule. Itcan be capitalized. (http://www.nolo.com/legal-encyclopedia/tax-deductions-vacant-lands.html)

Thecarrying costs (e.g. insurance & utilities) of investment property aredeductible as investment expenses, but are subject to being a misc. itemizeddeduction also subject to the 2% of AGI threshold. Real estate (property)taxmay be deducted on schedule A, under taxes,without regardto the 2% rule.Alternatively, taxpayers can elect to capitalize(add it to your costbasis) the carrying costs of unimproved and nonproductive real property,real property under development or construction and personal property beforeits installation or use (Regs. Sec. 1.266-1(b)(1)).The election ismade with the tax return by its due date, including extension, by attaching astatement. You cannot wait until you sell the property, but must make thatelection each year. Attach the statement to thereturn and write Filedpursuant to section 301.9100-2 on the statement.

Read more:
I bought 3 investment properties this year. Can I write ...

Written by grays

February 21st, 2018 at 2:50 pm

Posted in Investment

Return On Investment ROI – investopedia.com

Posted: February 5, 2018 at 12:41 pm


without comments

What is 'Return On Investment - ROI'

A performance measure used to evaluate the efficiency of an investment or to compare the efficiency of a number of different investments. ROI measures the amount of return on an investment relative to the investments cost. To calculate ROI, the benefit (or return) of an investment is divided by the cost of the investment, and the result is expressed as a percentage or a ratio.

The return on investment formula:

In the above formula, "Gain from Investment refers to the proceeds obtained from the sale of the investment of interest. Because ROI is measured as a percentage, it can be easily compared with returns from other investments, allowing one to measure a variety of types of investments against one another.

Return on investment is a very popular metric because of its versatility and simplicity. Essentially, return on investment can be used as a rudimentary gauge of an investments profitability. ROI can be very easy to calculate and to interpret and can apply to a wide variety of kinds of investments. That is, if an investment does not have a positive ROI, or if an investor has other opportunities available with a higher ROI, then these ROI values can instruct him or her as to which investments are preferable to others.

For example, suppose Joe invested $1,000 in Slice Pizza Corp. in 2010 and sold his shares for a total of $1,200 a year later. To calculate the return on his investment, he would divide his profits ($1,200 - $1,000 = $200) by the investment cost ($1,000), for a ROI of $200/$1,000, or 20%.

With this information, he could compare the profitability of his investment in Slice Pizza with that of other investments. Suppose Joe also invested $2,000 in Big-Sale Stores Inc. in 2011 and sold his shares for a total of $2,800 in 2014. The ROI on Joes holdings in Big-Sale would be $800/$2,000, or 40%. Using ROI, Joe can easily compare the profitability of these two investments. Joes 40% ROI from his Big-Sale holdings is twice as large as his 20% ROI from his Slice holdings, so it would appear that his investment in Big-Sale was the wiser move.

Yet, examples like Joe's reveal one of several limitations of using ROI, particularly when comparing investments. While the ROI of Joes second investment was twice that of his first investment, the time between Joes purchase and sale was one year for his first investment and three years for his second. Joes ROI for his first investment was 20% in one year and his ROI for his second investment was 40% over three. If one considers that the duration of Joes second investment was three times as long as that of his first, it becomes apparent that Joe should have questioned his conclusion that his second investment was the more profitable one. When comparing these two investments on an annual basis, Joe needed to adjust the ROI of his multi-year investment accordingly. Since his total ROI was 40%, to obtain his average annual ROI he would need to divide his ROI by the duration of his investment. Since 40% divided by 3 is 13.33%, it appears that his previous conclusion was incorrect. While Joes second investment earned him more profit than did the first, his first investment was actually the more profitable choice since its annual ROI was higher.

Examples like Joes indicate how a cursory comparison of investments using ROI can lead one to make incorrect conclusions about their profitability. Given that ROI does not inherently account for the amount of time during which the investment in question is taking place, this metric can often be used in conjunction with Rate of Return, which necessarily pertains to a specified period of time, unlike ROI. One may also incorporate Net Present Value (NPV), which accounts for differences in the value of money over time due to inflation, for even more precise ROI calculations. The application of NPV when calculating rate of return is often called the Real Rate of Return.

Keep in mind that the means of calculating a return on investment and, therefore, its definition as well, can be modified to suit the situation. it all depends on what one includes as returns and costs. The definition of the term in the broadest sense simply attempts to measure the profitability of an investment and, as such, there is no one "right" calculation.

For example, a marketer may compare two different products by dividing the gross profit that each product has generated by its associated marketing expenses. A financial analyst, however, may compare the same two products using an entirely different ROI calculation, perhaps by dividing the net income of an investment by the total value of all resources that have been employed to make and sell the product. When using ROI to assess real estate investments, one might use the initial purchase price of a property as the Cost of Investment and the ultimate sale price as the Gain from Investment, though this fails to account for all of the intermediary costs, like renovations, property taxes and real estate agent fees.

This flexibility, then, reveals another limitation of using ROI, as ROI calculations can be easily manipulated to suit the user's purposes, and the results can be expressed in many different ways. As such, when using this metric, the savvy investor would do well to make sure he or she understands which inputs are being used. A return on investment ratio alone can paint a picture that looks quite different from what one might call an accurate ROI calculationone incorporating every relevant expense that has gone into the maintenance and development of an investment over the period of time in questionand investors should always be sure to consider the bigger picture.

Recently, certain investors and businesses have taken an interest in the development of a new form of the ROI metric, called "Social Return on Investment,"or SROI. SROI was initially developed in the early 00's and takes into account social impacts of projects and strives to include those affected by these decisions in the planning of allocation of capital and other resources.

For a more in-depth look at ROI, see:FYI on ROI: A Guide to Calculating Return on Investment.

Excerpt from:
Return On Investment ROI - investopedia.com

Written by grays

February 5th, 2018 at 12:41 pm

Posted in Investment

5 Tips For Financing Investment Property | Bankrate.com

Posted: February 4, 2018 at 3:43 pm


without comments

The housing market crash has become a distant memory, and home prices are looking healthy again. But does that mean there are good opportunities for investing in the residential real estate market?

Home values are climbing in most places. According to the National Association of Realtors, or NAR, 92 percent of major metro areas saw gains in prices for existing, single-family homes during thethird quarter of 2017 compared with a year earlier.

But while interest rates remain low, the days of quick, easy financing are over, and the tightened credit market can make it tough to secure loans for investment properties. Still, a little creativity and preparation can bring financing within reach of many real estate investors.

If youre ready to borrow for a residential investment property, these tips can improve your chances of success.

Since mortgage insurance wont cover investment properties, youll need to put at least 20 percent down to secure traditional financing. If you can put down 25 percent, you may qualify for an even better interest rate, says mortgage broker Todd Huettner, president of Huettner Capital in Denver.

If you dont have the down payment money, you can try toget a second mortgage on the property, but its likely to be an uphill struggle.

Although many factors among them the loan-to-value ratio and the policies of the lender youre dealing with can influence the terms of a loan on an investment property, youll want to check your credit score before attempting a deal.

Below (a score of) 740, it can start to cost you additional money for the same interest rate, Huettner says. Below 740, you will have to pay a fee to have the interest rate stay the same. That can range from one-quarter of a point to 2 points to keep the same rate.

The alternative to paying points if your score is below 740 is to accept a higher interest rate.

In addition, having reserves in the bank to pay all your expenses personal and investment-related for at least six months has become part of the lending equation.

If you have multiple rental properties, (lenders) now want reserves for each property, Huettner says. That way, if you have vacancies, youre not dead.

If your down payment isnt quite as big as it should be or if you have other extenuating circumstances, consider going to a neighborhood bank for financing rather than a large national financial institution.

Theyre going to have a little more flexibility, Huettner says. They also may know the local market better and have more interest in investing locally.

Mortgage brokers are another good option because they have access to a wide range of loan products but do some research before settling on one.

What is their background? Huettner asks. Do they have a college degree? Do they belong to any professional organizations? You have to do a little bit of due diligence.

A request for owner financing used to make sellers suspicious of potential buyers, during the days when almost anyone could qualify for a bank loan. But now, its more acceptablebecause of the tightening of credit.

However, you should have a game plan if you decide to go this route.

You have to say, I would like to do owner financing with this amount of money and these terms,' Huettner says. You have to sell the seller on owner financing, and on you.

If youre looking at a good property with a high chance of profit, consider securing a down payment or renovation money through a home equity line of credit, from credit cards or even via some life insurance policies, says Ben Spofford, an Ohio home remodeler and former real estate investor.

Financing for the actual purchase of the property might be possible through private, personal loans from peer-to-peer lending sites like Prosper and LendingClub, which connect investors with individual lenders.

Just be aware that you may be met with some skepticism, especially if you dont have a long history of successful real estate investments. Some peer-to-peer groups also require that your credit history meet certain criteria.

When youre borrowing from a person as opposed to an entity, that person is generally going to be more conservative and more protective of giving their money to a stranger, Spofford says.

View original post here:
5 Tips For Financing Investment Property | Bankrate.com

Written by simmons

February 4th, 2018 at 3:43 pm

Posted in Investment

investment Meaning in the Cambridge English Dictionary

Posted: December 28, 2017 at 2:43 pm


without comments

Money comes from foreign business and investment.

The emphasis on prevention, the strict protection of groundwater and measures to prevent its deterioration are both necessary and an investment for future generations.

While the gulf between rich and poor countries is widening, it is difficult to accept this desire to include new subjects such as investment, competition or public markets.

What we need is investment in research and qualifications, so that our best people do not drift away to other continents.

I would be pleased to hear whether you accept that we ought to drop the push for investment to be included.

Clearly, this situation will continue until we are in a new phase that offers brighter prospects, which is vital for new business and investment strategies.

As far as the business world is concerned, it will obviously pay for renewal to be possible at the point where information is created, thus getting a return on investment.

There has been chronic under-investment in health services in developing countries for many years, including under-investment in training of health workers.

He also enhanced marketing and media relationships by forming strategic communications/marketing opportunities to help partners get maximum value on investment.

Without competitive economies there is no investment.

I would reply to this that the lack of investment is structural and that we should act against speculation on the money markets, which has paralysed the investment mechanism.

Clearly this also requires financial investment.

On the domestic side, investment should normally benefit from the positive global environment, the very favourable financing conditions in the euro area and the improvements in corporate efficiency.

The poverty often leads to crime, and neighborhoods become further neglected because they continue to be unattractive to outside investment, and continue to be redlined by banks.

In view of the importance of the matter, it is most unfortunate that investment firms should in practice have been exempted from trading at the advertised prices.

Read more here:
investment Meaning in the Cambridge English Dictionary

Written by admin

December 28th, 2017 at 2:43 pm

Posted in Investment


Page 73«..1020..72737475..80..»



matomo tracker