On a recent visit to London from New Zealand, one of my objectives was to get up to date with the UK sharemarket by getting the latest view on markets from a range of analysts, economists, fund managers and, of course, taxi drivers. Most New Zealand investors, like those anywhere, have what we call a 'home bias' in their share portfolios, meaning that they have a high proportion of their share portfolios invested in their local markets. When it...more
New Yorkers I talk to are pleased to see the sharemarket up 30% from its lows, but are cynical as to the rally's resilience and are using the bounce to raise cash. As I found in London, 'the bounce' is the number one topic of discussion across fund managers and analysts. Most are shaking their heads at the speed and steepness of the rally. Some recovery off lows was justified as news has certainly being "less bad" over recent weeks, but most...more
During a real estate downturn its easy for someone to overlook the big picture and question why they should be interested in investing in the residential real estate market. It can be difficult not to listen to media reports and members of Congress talking about how hard it is to be alive. Dont forget that before this real estate downturn, real estate was the hottest investment you could find. While its true that what goes up must come down, its also true that everything that falls eventually reaches the bottom, and bounces back up. Here are six reasons to invest now and be ready for the big bounce when it does come. Passive Monthly Income By investing now and using your head by performing some simple calculations, you can ensure that you have more money left over at the end of the month than you need. This positive cash flow is like a gift that keeps on giving because it will show up in your mailbox every month whether you're there to meet it or not. $200-$300 per month may not seem like a lot of money, but when you have 5, 10, or even 20 checks like that coming in that you don't have to earn doing some repetitive or backbreaking job, a seemingly inconsequential...more
Seller Financing to the Real Estate RescueBanks arent lending, sellers cant sell and buyers cant buy. Seller financing opens up huge pools of potential buyers who are willing to pay fair market value and above average interest rates to the seller who is willing to take payments instead of all cash at once.Fifty percent of potential buyers...more
With Australians right around the country frugally looking for ways to tighten the purse strings during this economic downturn, it makes sense to look at every dollar thats leaving your account and work out where the moneys going.There are obvious ways you can reduce spending like cutting back on take away and your morning coffee, but to be...more
Contrary to the TV footage of the January sales, Australians have become a nation of savers.Not only have we been saving, we have also been paying down credit card debt and maintaining our mortgage repayments despite falling interest rates. In fact, after a decline in December, APRAs January figures show that deposits grew 1.4% and credit card balances declined 1.2%.So basically we are doing everything we have been taught to do, but not when the government want us to do it!As everyone knows, the government hand-outs, the most recent round of which are hitting bank accounts this week, were intended to help stimulate the economy. Basically, the government was hoping we would put that money back in to the economy to help keep it ticking over and help Australia through this economic downturn.But like the thrifty squirrel who stockpiled nuts for the leaner months, Australians are putting their bonus payments to good use paying down debt or in an interest-earning savings account.What is interesting to consider is whether this is the best strategy. In fact it brings to mind the paradox of thrift, an idea first suggested by English economist John Maynard Keynes back in the early...more
But bear with me for just a moment while you imagine this scenario: its the first week in December, youre about to start on the three week spending binge of gifts, food, decorations, booze and holiday accommodation, and you realise you havent...more
MortgageA mortgage is a type of loan, primarily used to purchase property, in which a lender or mortgagee provides credit facilities or finance to a borrower or the mortgagor, after obtaining a legal protection in the form of an official commitment,...more
The most vital part of your financial well-being is your credit score, commonly called your FICO score because most scores are determined on the Fair Isaacs Corporation Credit scale. When we typically think of the importance of our credit scores, we...more
As the UKs recession develops, debt advisers are being swamped by people desperately struggling to manage their mortgage repayments, credit cards and loan repayments. There has been a 40 per cent increase in people with arrears on mortgages and...more
Private student loan consolidation cannot be generally mixed with federal student loans due to the low interest rate on the latter. However, there are several options open to refinance the private student loans by replacing them with another.The main...more
The number 1 objection I hear from real estate agents when the subject of doing a lease option or rent-to-own is broached is "How do I get paid?" Sometimes the agent will be concerned about how they get paid but don't want to flat out ask it. So...more
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