Personal Finance ResourcesPersonal Finance ResourcesFree help and information to guide you in your personal finance and investing goals. Articles
Back from Mexico, Just Want to Say Thanks to Nicholas
2007-11-19 17:01:00 Last week, our Church went on a missions trip to Monterrey, Mexico . This trip was a special blessing for me, as our Pastor had me preach on Tuesday night, and it was my first time to preach. The people in those Churches have a close relationship with each other and God. And seeing some of ... More About: Back , Hank , Nicholas
Call Spreads
2007-11-19 04:19:00 So I mentioned call spreads a few times in my last few posts. What are those you might be asking? As I mentioned in my earlier posting titled Options are a Viable Option Right Now, options were created to reduce risk. Call spreads and put spreads (sometimes called vertical spreads) are the ... More About: Spreads
Playing a Bear Market with Options
2007-11-17 00:18:00 So, if there is a way to make money when the market goes up, there must be a way to make money when the market is going down. The way for me is puts. As I defined earlier, a put is nothing more than buy the option to put a stock to someone ... More About: Market , Options , Bear Market , Bear
How I am Making Money on Options Right Now
2007-11-15 20:39:00 The last couple of posts have been dealing with trying to give a base line knowledge of options. Today I will get down to how I have been making money on the call side. I will try to continue with some posts on puts and eventually how I have been making money on ... More About: Money , Options , Right Now
More Option Basics and the Covered Call
2007-11-15 02:22:00 Okay, so yesterday may have been a little much for some readers that are new to the option world. So I will back track just a little. Options are traded in increments of $5 strike prices for stocks over $25. For stocks under $25, they are traded in $2.50 increments. That ... More About: Call , Basics , Covered
Options are a Viable Option Right Now!
2007-11-14 03:06:00 by guest author Nicholas This is the beginning of a multi-part series because options are generally thought of as complex transactions. Do you think options are risky? Options were originally created to reduce risk. I preface the next few days postings by saying, do not rush out to invest in options until you ... More About: Right Now
Keep On Keepin? On Toward Your Financial Goals
2007-11-10 02:44:00 Just a quick update and moral support on a Friday night. Focus on tracking all expenses, resist your urge to go to the vending machine to get a soda/snack, and concentrate on saving money. If you can, avoid going out to eat and taking long trips; conserve that gas money and lost dollars on high priced ... More About: Financial , Goals
Repossessed Mobile Home Offers
2007-11-08 00:17:00 Buying into mobile homes have made real estate investors millions of dollars. Just because it may seem that the class of renters/buyers you would be working with are lower class and thus more trouble, you may be wrong. Most of the folks that would rent or buy a mobile home do not make a lot of ... More About: Mobile , Home , Offers , Offer
Why are Gas Prices so High?
2007-11-06 03:03:00 No doubt about it, gas prices are high these days. But what is the problem, why are gas prices so high? Well it started with Hurricane Katrina. Most of the petroleum refineries in the U.S. are in the gulf coast region. When the hurricane hit, it wiped out many of those refineries, thus drastically shifting ... More About: Gas Prices , High , Prices
Financing a Car for College
2007-11-03 00:01:00 Teenagers are great, all they think about (especially if they are boys) is 4 spinning wheels. They all have high aspirations for the expensive car, with the souped up engine, NOS (nitrous oxide) booster, and titanium alloy rims. They want it to go 100+ mph and have a hot, shiny finish. But they are ignorant, and ... More About: College , Financing
Retirement Savings vs Paying Down Your Debt
2007-10-31 15:11:00 I love to interact with my readers/subscribers. So don’t hesitate to send in a question and ask me to post about it. Personal Finance Resources is all about helping you with your home finance situations. In this post, we are going to address a few questions posed by one of you, on the topic of ... More About: Retirement , Debt , Savings , Tire
The Decision to Retire Young
2007-10-29 23:26:00 It comes as a tragedy, I know. But I am finally going to go for my dream. I want to have time and money for the ministry of the gospel of Christ, and working a full time Just-Over-Broke will not allow me to do so. I have some steady income with rental properties, property management, ... More About: Young , Decision , Retire , Tire
Renting Properties in a Buyer?s Market
2007-10-22 17:20:00 by guest author Nicholas I have recently moved to a mid-size Arizona market. This market is rapidly starting to feel the down-turn in the housing market that Jeffry mentioned in his latest post on Smaller Texas Real Estate Market s Doing Well. The houses that are for sale are staying on the market longer and longer. I ... More About: Buyer , Renting , Properties , Prop
Smaller Texas Real Estate Markets Doing Well
2007-10-18 00:09:00 I am in a small Texas real estate market, the cities of Belton and Temple. While some of the larger markets like Dallas, Houston, Austin and San Antonio are feeling the pain of the sub-prime mortgage market collapsing, here in Belton/Temple, it is still a seller’s market. Just last week, I wrote a lease on ... More About: Estate , Real Estate , Markets , Real
Skip a Payment: Holiday, Gift, Marketing Breakdown
2007-10-15 20:35:00 Many credit lenders (credit card companies, credit unions, banks and so on) offer ?Skip-A-Payment ? options for borrowers. Every lender has its own terms and conditions (how many payments per year you can skip, what type of credit is included or excluded in the program, and the amount of fee charged for the privilege), but you ... More About: Marketing , Holiday , Gift , Brea
Free Debt Problems Advice
2007-10-12 00:20:00 Need free debt problems advice? Keep reading as I will divulge to you the problems people have with regard to debt, and advice about solving the debt issue, all completely free of charge. The problem with debt boils down to 2 main issues - the first is that as children, we grow up in families that ... More About: Advice , Free , Problems , Debt
Financing Real Estate Investments
2007-10-09 02:52:00 Many emerging and veteran real estate investors are looking for ways of financing real estate investments with little or no money down. The traditional cash down payment of 20% just doesn’t work for most buyers anymore, and sometimes (especially with banks shutting down the sub-prime loan market) a more creative method must be deduced to ... More About: Estate , Real Estate , Financing , Real , Investments
College Kids and Credit Cards
2007-10-06 01:22:00 College kids and credit cards are a dangerous mix, especially these days. Children in today’s society are more irresponsible than ever before. I wouldn’t even trust most adults in their early twenties to take $20 down to the store to get milk and bread. Kids just do not have any sense of responsibility or care in ... More About: Credit Cards , Credit , College , Cards
What is Probate?
2007-10-03 16:02:00 What is probate, and what does it mean to investors? Many real estate investors use the probate process to find, acquire at a discount, and sell / lease properties for a significant gain. With a little bit of money and time, you could even make this a full time career. Most investors, when they look ... More About: Probate
Real Estate Investment Cash Flow
2007-10-01 15:50:00 Building up real estate investment cash flow is one of the cornerstones of the business model I am working to achieve my financial goals. The basic premise of what I am trying to do is income replacement, or building up enough side income to detach myself from my J-O-B (just over broke) and focus entirely on my own business. Now, as some of you know, I live in Texas, and right now, the smaller towns such as Belton/Temple/Killeen/Fort Hood where I live and operate are still fairly strong seller’s markets. Some of the larger cities like Houston and Dallas are experiencing downturns in the market due to the sub-prime mortgage loan industry going belly up. But, as far as the buyer’s side of the equation here in Belton/Temple, it is hard to find houses at prices that will make money. However, the nice thing is, if you can find a good deal on the buy side, you can quickly turn it around and make money. I own a house that was purchased a couple of years ago at discount, that I... More About: Estate , Real Estate , Real Estate Investment , Investment , Real
Consolidate Federal Student Loans
2007-09-28 16:03:00 Have a need to consolidate federal student loans, “fed” up with the rates?  The truth is, college is an invaluable asset to have, and the cost to obtain a college degree rises every year, typically at a much faster rate than the corresponding year’s inflation rate. Most families today are unable to pay for college without some kind of financial aid, scholarship or student loans. There are several kinds of student loans, one of them being federal student loans, which obviously, are backed by the government. Federal loans are given at a variable rate, meaning that the interest rate rises and falls with the current position of the economy. Many may not realize the benefits of consolidating your federal student loans as soon as they can. Not only will it save you money every month, but it will also save you a lot of money in the long run as well. You are allowed to consolidate your student loans if the total amount exceeds $7,500 and you have borrowed from more than... More About: Student , Loans , Student Loans , Soli
Xpress Loan Servicing
2007-09-25 20:03:00 Xpress Loan Servicing is a company that provides loans to pay for college. Formerly known as Education Loan Servicing Corporation, Xpress Loan Servicing claims to raise the bar not only when it comes to helping students pay for college, but also sets a new higher standard in loan servicing. They are committed to providing you with excellent customer service as ... More About: Xpress
Texas Electricity Rates
2007-09-25 02:29:00 As some of you may know, I live in Texas , and the Texas electricity industry has been deregulated. Thus, Texas electricity rates have become a “shop able” commodity. But why does TXU still get the lion’s share of the electricity market? Because people do not know that they have a choice. I want to address this, ... More About: Electricity , Rates
Credit Card Secured by Roth IRA?
2007-09-22 00:49:00 Have you every asked, Can you get a credit card secured by Roth IRA? How about this one: Can I withdraw funds from my IRA to pay off credit card debt? Well in this post, I am going to quickly cover these requests, and the open it up for any comments or questions you may have. Credit ... More About: Card , Credit Card
Free Amortization Calculator
2007-09-21 01:24:00 That’s right, you may download our free amortization calculator at the bottom of this page. The calculator is based on a typical 30 year fully amortized mortgage, and will show you right down to the penny how much money will be allocated to principle and interest each and every time you make a payment. Here ... More About: Calculator , Free , Ortiz , Mort
What is an RSS Feed?
2007-09-19 23:48:00 You’ll notice that after every article on my page, as well as on the sidebar of this site, there is a link and icons inviting you to sign up for an RSS feed to this site. If you’re a newbie to the whole thing, and aren’t quite sure what an RSS feed is, or how great a ... More About: Feed
Business Plan for Property Management
2007-09-19 00:26:00 Part of my plan for generating Passive Income in Real Estate includes property management. But what kind of a business plan for property management works? Well, I am going to give you the approach that could be utilized, as well as inform you of how I am going to proceed. I would love to get ... More About: Business , Management , Property , Business Plan , Plan
Realtor License
2007-09-18 01:09:00 Should I have a realtor license? Is it expensive? In this edition, I would like to answer these questions, and further illustrate why I have and maintain a realtor license. I remember reading an article stating that 1 in 52 people in the state of California have a realtor’s license. That’s about 2% of the population. ... More About: Realtor , License
80/15/5 Mortgage
2007-09-15 20:21:00 Mortgage brokers sometimes speak of an 80/15/5 mortgage, but what is it exactly? In just a moment, I am going to show you exactly what it is, and how you can use it as a tool to leverage your money buying a home, or investing in real estate. There are many folks out there that do ... More About: Mortgage , Mort
Residential Lease Purchase
More articles from this author:2007-09-14 23:49:00 Ever heard of a lease-to-purchase-house? Most of us would say we have. But many folks would say that a residential lease purchase agreement is simply a rent-to-own contract. While this is true, it only describes a brief overview of what a lease purchase contract is all about. Although the real estate market remains strong here in ... More About: Residential , Lease , Purchase , Resident , Hase 1, 2, 3, 4, 5, 6, 7 |
|
 |
|
 |
