Average customer rating:
|
How to Get a Loan or Line of Credit for Your Business (Small Business Sourcebooks)
Bryan E. Milling
Manufacturer: Sourcebooks Inc
ProductGroup: Book
Binding: Hardcover
 Management & Leadership
| Business & Investing
| Subjects
| Books
| Business Ethics
| Consolidation & Merger
| Decision-Making & Problem Solving
| Distribution & Warehouse Management
| Industrial
| Information Management
| Leadership
| Management
| Management Science
| Motivational
| Negotiating
| Operations Research
| Planning & Forecasting
| Pricing
| Production & Operations
| Project Management
| Quality Control
| Risk Assessment
| Statistics
| Strategy & Competition
| Systems & Planning
| Systems Analysis
| Teams
| Total Quality Management
| Training
Raising Capital
| Small Business & Entrepreneurship
| Business & Investing
| Subjects
| Books
ASIN: 0942061462 |
Customer Reviews:
Milestone.......2001-06-26
one must read this book. This book is a great experience of every reader who can go throughly.
Average customer rating:
- 20 Years, $1,000 a month, 12% interest, yields $999,999
- Not Too Bad
- Worth the price, and more
- ONLY COMMON SENSE
- inspiring
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Debt No More: How to Get Totally Out of Debt Including Your Mortgage
Carolyn J. White
Manufacturer: Clifton House Pubsg, LLC
ProductGroup: Book
Binding: Paperback
Public Finance
| Economics
| Business & Investing
| Subjects
| Books
Budgeting & Money Management
| Personal Finance
| Business & Investing
| Subjects
| Books
Credit Ratings & Repair
| Personal Finance
| Business & Investing
| Subjects
| Books
General
| Personal Finance
| Business & Investing
| Subjects
| Books
ASIN: 0966165152 |
Book Description
The first complete personal money management guide dedicated solely to debt elimination.
• Contains the financial forms necessary to take the reader's life back from creditors.
Customer Reviews:
20 Years, $1,000 a month, 12% interest, yields $999,999.......2007-06-19
"You can pay off your debts and your mortgage in 5-10 years." During the next five to ten years, you will need to stop spending and make the decision to have "No more debt". Emotionally ignite yourself and believe you can be debt free. You will need to get each member of the family to believe in the vision of debt free and help encourage them to accomplish this goal by rewarding them to stop wasting money and buying at a discount. Be a contratrian moving against the trend, "the more we make, the more we spend" and transform it too "the more we make, the more we invest." 9% of the population will retire with an income of 50k. Make it a goal to own your car and home. Typically, once your income stops, you have 90 days before the bank wants to foreclose. Suppose a home cost 165k for the initial purchase and the borrower of the loan makes 17 years of payments totalling 165k then loses his job and is forced into bankruptcy and foreclosure proceedings. The bank ignores the fact that the borrower has made 165k worth of payments, eliminates most of the equity in the home by offering "auction prices", takes possession of the home, and resells it for a profit. The bank wins through the monthly interest/principal payments and the resell and financing of the home to a new borrower. The author lost her home worth $1.4 million, 14,000 sq ft, and received $5k. She became angry and decided too become debt free.
What is the bottom line? Suppose 45 years of income with a total income of $2,250,000, Less Total Taxes Paid of $1,187,685, Less Mortgage and Interest $315,929, Less Automobile costs - $615,929, leaves $416,386 of money for your family. After 45 years of work you have $416,386 left less other expenses, such as, medical & dental, insurance, food and clothing, utilities, furniture, gifts, and vacation/entertainment, school and college, investment for retirement, child car, and repair on home & auto. Most people retire with less than 100k.
Break the chain of debt: 1. Get rid of credit card debt. For each dollar paid it will cost $4 to repay and 20 years. CC debt and medical emergencies are the number one destroyer of middle class wealth and stablity. 2. Don't buy new. Offer $500 above dealer trade in value for a car. Let friends and relatives know you will be interested in buying their car when they are ready to trade up. Automobile leasing is a cash drain and only makes sense for businesses which can take a tax credit. 3. Insure for 5-7 times your income. The rule of thumb for Insurance is "raise your deductibles" according to risk. 4. Make future payments on your mortgage. Here is where I disagree. Invest your money and then payoff your mortgage with the investments in one swoop. Let the money work for you outside the banking system. 5. Eliminate unnecessary spending and invest the money. Be a predator on spending waste. 6. Increase your income: 1. get a second job 2. create a business, turn your hobby into a money making venture. 3. sell cars, have yard sells, liquidate excessive items 4. reduce eating out and costly recreation/entertainment. 5. Stop impulsive spending - Stay away from bargain sales and marketing media. 6. Put a chart on your refrigator that tracks all the spending. Implement an family open books policy that shows where all the expenses when. Let family members provide feedback and ideas to improve the financial health of the family. Let family member critique the expense ledgers. Make the decision of overcome the spending temptation. 7. Become a thrift spender: buy older cars, clip coupons, attend auctions, look for things at yard sales, buy wholesale, join discount buying organizations, shop at consignment shops, buy only at end-of-season, and buy discount travel.
Other resources: Money Harmony: Resolving Money conflicts in Your Life; Overcoming Overspending, A winning plan for spenders; The money Drunk; 1001 ways to cut your expenses; Great buys for People over 50; Penny Pinching: How to Lower your Everyday Expenses without Lower your Standard of Living; The underground shopper; The Wholesale-by-Mail Catalog; Wholesale Guide to Buying Furniture.
"If it's going to be, its up to me". "The choice is yours!"
Not Too Bad.......2004-01-18
This book isn't too bad. It doesn't cover anything revolutionary, but it does a good job of covering some of the basics of getting out of debt. It's an easy read and goes fairly quick. If you want to read it I'd suggest picking it up at the library rather than buying it. One pitfall it does have is that the author could have left her anti-government and political propaganda out of it, that was a bit annoying.
Worth the price, and more.......2000-04-02
Contrary to the preceding opinion from Alabama, this book is a good buy. It tells how to get rid of all your debt in the shortest possible timeframe, saving thousands, if not hundreds of thousands of dollars. It even gives a few examples of ways to decrease expenses so that you can use the difference to accelerate repayment of your debts. Following the advice in the book, I expect to be completely out of debt (over $140k, including the mortgage) within 5 years and expect to retire (comfortably) at least seven years earlier than I had anticipated. (P.S. -- I don't make six figures and have a young child.)
The only thing I would change is that the author tells you where to go to find the "best" credit cards. Is there really such a thing? Getting another credit card will, over time, put far too many people back to square one. If you keep in mind that if you can't buy something for cash, that means you can't afford it -- this book can take you the rest of the way.
If you think this book is useless you're probably looking for an easy way out of debt (expecting an inheritance?).
ONLY COMMON SENSE.......2000-02-22
THIS BOOK COVERS MATERIAL ALREADY KNOWN TO ALL READERS OVER THE AGE OF 16. DOES NOT FORMULATE OR DISCUSS ANY PRATICAL PLAN FOR DEBT REDUCTION
inspiring.......1999-09-28
I have read many books about getting out of debt. Most of them have approx the same theories. I gathered two valuable pieces of information from this book. The first one was about how to go about paying off the mortgage and the second was how to prioritize your credit card bills to pay off. Inspiring!
Customer Reviews:
Straightforward explanation of the commercial loan process.......1998-12-09
As a commercial lender myself, I find myself recommending this book both to prospective borrowers as well as to some branch managers who may be rusty on the Small Business Lending process.
This book gives easy to understand explanations and rationales behind some of the confusing things banks ask their borrowers to do. It gives simple examples and descriptions that help me interpret the process to my customers.
Even after many years of lending money to companies, I find myself reaching for it to remind me of little details I have forgotten. It is well-written and very useful.
I would suggest the author update to include credit scoring issues which are now common in the Small Business Banking arena.
Book Description
Save Time and Money-and Get the Loan That's Right for You
Ever-changing mortgage guidelines . . . confusing financial forms . . . if you're buying or refinancing a home, you know all too well how overwhelming and intimidating the mortgage process can be. This revised edition of How to Get the Best Home Loan guides you through all the critical issues and demystifies the mechanics of mortgage lending-everything from disclosures and fees to closing costs, points, and making payments. Longtime mortgage banking industry insider and former realtor W. Frazier Bell helps you sidestep the risks of financing a mortgage and sheds light on many unknown aspects that keep borrowers from making intelligent, money-saving decisions.
Written in clear, simple language, this comprehensive Second Edition features new information on desktop underwriting, merged credit reports, and using the Internet, as well as updated sections on verifications, qualifying, and loan types. Bell gives you hands-on access to his hard-won experience, providing the tools you need to:
- Understand why lenders do the things they do
- Learn what to look for when comparing loans and lenders
- Head off potential problems and expensive mistakes
- Navigate FRMs, ARMs, FHAs, GEMs, and TILs
- Know why certain loans may be better for you than others
- Save yourself hundreds, even thousands, of dollars
Packed with real-life examples, sample forms, and proven advice, How to Get the Best Home Loan, Second Edition will ensure that you get the right loan, at the right price, from the right lender.
Download Description
Save Time and Money-and Get the Loan That's Right for You
Customer Reviews:
Provides the Details other Books don't.......2002-09-08
I have read several home-buying books and two other mortgage books and found this to be the only source for detailed information. As another reviewer suggested, if you want the feel-good basics then look elsewhere ("Navigating the Mortgage Maze", by Turnauer or "The Centuray 21 Guide to Choosing your Mortgage"). My view is that if you are taking the time to read a book on a subject, you want details. I find generalities and broad sweeping statements a waste of time. This text provides a breadth and depth of information in a clear and succinct manner. My only complaint is that the book could be updated with a newer edition. However this 10 year-old text is by no means out of date since the author gives you the framework to understand everything in the fast-changing mortgage industry.
Very Useful and Informative.......2002-03-16
Nine times out of ten the biggest factor that decides whether or not you successfully buy or sell a real estate property is -- financing. And yet it is the one area people know the least about. By understanding home loans and how they work, you dramatically increase your chances. And this book is the best on the subject I have read. The writer is a professional experienced mortgage broker who writes well. The bottomline, as the writer states, is "Most loans...are approved or denied based on some very fundamental rules." It's really good to know these fundamentals.
This Book Doesn't Deliver.......2002-02-06
I bought this book after it was rated one of the top ten real estate books of the year in the Los Angeles Times real estate section. Boy, was I disappointed. This book didn't come close to living up to its promises. The author gave too much information and not enough direction for the typical layperson. He explains the reasons behind all the fees that are attached to loans, but does little to explain how to avoid or reduce them. He describes the different types of loans available, but doesn't really tell you why you should choose one over another. This book was a mostly a waste of time. You are better off reading the section about mortgages in Home Buying For Dummies and finding yourself a good mortgage broker.
Excellent........2001-07-20
I hesitated at first, I'd had a home loan before. What else was there to learn? I cannot put this book down. There is so much to know about home loans and this author writes it in easy to understand language. I wish I had this book 10 years ago. The is an excellent, easy to understand book packed with information that I highly recommend everyone read before applying for a home loan.
Worth the time!.......2000-04-05
Excellent book. Took the mystery out of home buying and allowed us to negotiate a better mortgage rate (and not pay any points)!
Customer Reviews:
A must for the people who are trying to get finances managed.......2000-05-09
You will gain a lot, there is a great deal of information in this book, If you have decided to put your financial life back together this is the starting point. A MUST for the people who need help.
Happy in Irvine.......1999-12-21
I read the No-nonsense Credit Manual and found it very helpful in cleaning up the "wreckage of my past". It has helped me to better plan for the future and it's very easy to understand. Thanks for all the help.
satisfied in Irvine.......1999-12-16
I recently read this book and found it very helpful. I have taken direction and started writing my creditors letters and had marvelous results. I have re-established my credit by getting a secured credit card and am very happy to say I am repairing my credit myself through reading this manual.
Easy to understand and full of useful and practical advice!.......1999-06-15
Shaun Aghili's "The No Nonsense Credit Manual" is by far the best do-it-yourself credit repair guide I've come across. He shares with his readers his own experience with credit disaster and the mistakes he made along the way. This book offers not only advice on getting yourself out of debt and cleaning up your credit, it also provides you with sample letters to send to creditors and credit bureaus for various situations. I found this book to be easy to understand and full of excellent advice. Whether you find yourself in "credit hell" or want to simply more knowledgeable about credit issues, this work is good reading.
Average customer rating:
- On target info for perspective home buyers.
- What You Don't Know Will Hurt You!
|
How to Find a Home and Get a Mortgage on the Internet
Randy Johnson
Manufacturer: John Wiley & Sons
ProductGroup: Book
Binding: Paperback
General
| Popular Economics
| Business & Investing
| Subjects
| Books
Banks & Banking
| Industries & Professions
| Business & Investing
| Subjects
| Books
Buying & Selling Homes
| Real Estate
| Business & Investing
| Subjects
| Books
General
| Real Estate
| Business & Investing
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Mortgages
| Real Estate
| Business & Investing
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| Books
Credit Ratings & Repair
| Personal Finance
| Business & Investing
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| Books
Web Marketing
| Business & Culture
| Computers & Internet
| Subjects
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Online Searching
| Internet
| Home Computing
| Computers & Internet
| Subjects
| Books
General
| Computers & Internet
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General
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Similar Items:
-
How to Save Thousands of Dollars on Your Home Mortgage, 2nd Edition
ASIN: 0471380725 |
Book Description
- Preview your new home on the Internet
- Get comparative sales information
- Qualify for the right loan
The do-it-yourself guide to home-hunting on the Web
Looking for a home? The Web offers you a wealth of resources-everything, that is, except a professional's advice. Now veteran mortgage broker Randy Johnson gives you the expert guidance you need to be a smart online shopper. In this clear, step-by-step guide, Johnson demystifies the homebuying process, explaining just how homes are appraised and priced, how the mortgage industry is structured, what a professional agent can and can't do for you, and more. Then he leads you online to the most useful Web resources for homes and mortgages. Using the Internet and this book, you'll have everything you need to make an intelligent decision about one of the most important choices of your life.
Use Cyberspace to Find Your Ideal Space!
- How to find the right home on the Web
- Research communities online-learn what the neighbors won't tell you
- Sites that help you figure out what you can afford and what kind of mortgage is best for you
- Getting a loan on the Web-pitfalls, cheats, and shady tactics to watch out for
- Selecting a reliable agent
- How to plan smart so you pay off your mortgage the month you retire
Customer Reviews:
On target info for perspective home buyers........2007-01-10
Johnson's attempt to educate perspective home buyers on the use of the Internet to find homes and mortgages is a "must read" for home buyers.
It seems to give the home buyer control over most aspects of his/her "dreamquest." It is a "do it yourself" demostration, a "problem solving aid" which equips the reader with some of the tools necessary to get the job done. The potential careful reader quicky discovers that the Internet can ease or solve most problems dealing with the purchase of a home!
What You Don't Know Will Hurt You!.......2000-12-18
Having purchased two previous homes, I thought I knew all there is to know: you call up a realtor who takes you around to see houses and you pick from a 30-year or a 15-year fixed rate mortgage. Wow! Was I wrong! Thanks to Randy Johnson's latest book on using the internet to find a home and get a mortgage, I now know that there are many types of mortgages available, many of them better- tailored to most people's needs than the two I've already named. I've learned the difference between a "mortgage banker" and a "mortgage broker" and that I may save thousands of dollars by using the services of an Upfront Mortgage Broker, one who agrees to sign a pledge to act in the best interests of the customer. I now know about the advantages of automated underwriting and the difference between rate versus fee when shopping for a mortgage. Imagine my astonishment to learn that paying points for a lower rate is a good strategy that may save me thousands of dollars in the long run! The author has made a highly technical subject easy to understand through charts and personal examples. I now have access to scores of helpful internet sites and forms to download. True to the book's title, I have shopped for a home in another state, qualified for a loan and am about to obtain a mortgage, all while sitting in front of my computer! If you, too, want to SHOP SMART for a home or mortgage, this is the book for you.
Product Description
This book explains how to borrow money from people, companies or investors who do not typically require detailed loan submission and approval processes. Generally, private lending requires less formal processes and has different and potentially lower lending criteria requirements than those from traditional lending institutions such as banks and venture capital firms. This book was created to help startup business and small entrepreneurs obtain funds for the startup and initial expansion of their businesses. It was created from actual experiences of finding private lenders, creating the necessary materials and communicating with potential lenders, creating the loan agreements and following up to obtain the checks. Traditional lending institutions have a difficult time evaluating intellectual and business capital that small startup businesses may have or are in the process of creating. As a result, small business owners are typically ignored or even avoided by traditional lenders such as banks. When seeking private business loans, it is helpful to know how to identify and meet potential private lenders. Private lenders range from family and friends with limited amounts of money to wealthy people. Once you have identified potential lenders, you will want to communicate with them in a way that motivates them to listen to you (the first achievement) and to potentially lend money to you or give you names of other people who may lend money to you. This book helps you to learn effective ways to communicate with private lenders along with methods that help to motivate private lenders to respond and take action. Included are sample scripts of discussions with potential lenders. While it is not recommended that you use these sample scripts exactly as they appear in this book, they should help you to develop your own styles and scripts. You will discover how it can be beneficial to have a story to tell on why you need the money, how you plan to use it and what kind of results you expect from using the money. The typical and optional loan terms contained in loan agreements are described and explained. Some of the terms covered and explained are the amount of the loan, timing of repayment, types of interest applied, performance options, stock/equity options and loan guarantees. Sample loan agreements are included. One of the key advantages of private lending is the short amount of time between asking for money and actually receiving it. You will learn that the process of obtaining private loans can vary from days to weeks compared to weeks or months for obtaining funds from equity investment. Regulations exist for the soliciting and borrowing of private funds and these regulations can dramatically vary from State to State. While this book will provide descriptions on how to approach people and provide descriptions on processes used to obtain private loans, you should contact competent regulatory authorities, attorneys, and qualified professionals to determine the legal requirements you may be required to fulfill.
Download Description
This book explains how to borrow money from people, companies or investors who do not typically require detailed loan submission and approval processes. Generally, private lending requires less formal processes and has different and potentially lower lending criteria requirements than those from traditional lending institutions such as banks and venture capital firms. This book was created to help startup business and small entrepreneurs obtain funds for the startup and initial expansion of their businesses. It was created from actual experiences of finding private lenders, creating the necessary materials and communicating with potential lenders, creating the loan agreements and following up to obtain the checks. Traditional lending institutions have a difficult time evaluating intellectual and business capital that small startup businesses may have or are in the process of creating. As a result, small business owners are typically ignored or even avoided by traditional lenders such as banks. When seeking private business loans, it is helpful to know how to identify and meet potential private lenders. Private lenders range from family and friends with limited amounts of money to wealthy people. Once you have identified potential lenders, you will want to communicate with them in a way that motivates them to listen to you (the first achievement) and to potentially lend money to you or give you names of other people who may lend money to you. This book helps you to learn effective ways to communicate with private lenders along with methods that help to motivate private lenders to respond and take action. Included are sample scripts of discussions with potential lenders. While it is not recommended that you use these sample scripts exactly as they appear in this book, they should help you to develop your own styles and scripts. You will discover how it can be beneficial to have a story to tell on why you need the money, how you plan to use it and what kind of results you expect from using the money. The typical and optional loan terms contained in loan agreements are described and explained. Some of the terms covered and explained are the amount of the loan, timing of repayment, types of interest applied, performance options, stock/equity options and loan guarantees. Sample loan agreements are included. One of the key advantages of private lending is the short amount of time between asking for money and actually receiving it. You will learn that the process of obtaining private loans can vary from days to weeks compared to weeks or months for obtaining funds from equity investment. Regulations exist for the soliciting and borrowing of private funds and these regulations can dramatically vary from State to State. While this book will provide descriptions on how to approach people and provide descriptions on processes used to obtain private loans, you should contact competent regulatory authorities, attorneys, and qualified professionals to determine the legal requirements you may be required to fulfill.
Average customer rating:
|
How to Get an Instant Mortgage
Robert Irwin , and
David L. Ganz
Manufacturer: Wiley
ProductGroup: Book
Binding: Paperback
General
| Popular Economics
| Business & Investing
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Public Finance
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Mortgages
| Real Estate
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All Amazon Upgrade
| Amazon Upgrade
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Business & Investing
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ASIN: 0471183660 |
Book Description
Features a personal net worth worksheet that enables you to provide all the information bankers need to feed into their computers, this indispensable new guide makes it possible to shave daysâeven weeksâoff the approval process. How to Get an Instant Mortgage is your source for: guidelines on what types of financing are currently available, pointers on how to choose the mortgage that's best for you, tips on what to look for in a lender, advice on obtaining a mortgage with poor credit, and much more.
Books:
- How to Get Into the Top MBA Programs (How to Get Into the Top Mba Programs)
- How to Practice : The Way to a Meaningful Life
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- How to Succeed in the Game of Life: 34 Interviews with the World's Greatest Coaches
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