Oct
11
2022
0

The Advantages And Disadvantages Of Getting A Contract For Deed For Your Home Loan

By Alan Lim

Using a contract for deed for a home loan may be very advantageous for both the buyer and the seller, provided that it is prepared properly and smoothly.

Contracts that are not really drafted well might cause great difficulties that could affect either parties for many years ahead. Thus it is very important for both the seller and the buyer to carefully scrutinize all the limitations and possibilities afforded by the contract for deed prior to finally subjecting themselves to the arrangement, which is most effectively done with the assistance of different attorneys.

What is a contract for deed?

A contract for deed is basically the agreement to sell and buy a real estate property wherein the seller will hold the title until the time when the contracts provisions have been filled, usually upon full payment of the property. In this case, the buyer may already occupy the property and make the payments as stipulated. Upon completion of payment the seller will pass the title by recording the deed.

[youtube]http://www.youtube.com/watch?v=ZoFlSyxhjJg[/youtube]

How does the contract for deed affect the buyer?

Contract for deed helps buyers save a lot of resources that they can allocate for other things. This happens primarily because the down payment involved with contracts for deed is usually very low, making it quite easier for buyers to be acquire ownership of real estate without having to expend much of their capital. This leaves them with more capital left that they can use to earn more resources or in other necessary activities.

However, since the down payment for contracts for deed is very small, this translates to higher rates for the remaining balance, which then means that a larger part of the principal price would be covered by the interest. This also gives the tendency for the amounts payable to be high as well, especially if the contract is written for a short duration.

Buyers would have no guarantee that they would be able to handle the amounts needed for payments in the future. For this, buyers should be certain about the cash flow they would get throughout the duration of their contract for deed. Otherwise, the property might get forfeited by the seller easily when the buyer is unable to do its part since the title is already with the seller.

Nevertheless, this agreement is still more secure for the buyer especially when compared to renting the property. The buyer may have the contract written to an heir or spouse that greatly eliminates the chance that the property would be divided should an estate settlement proceeding should be called for.

How does it affect the seller?

A great benefit of the contract for deed for the seller is that it allows the distribution of the tax reports for capital gains during sales over the contract period instead of just in the year the property was sold. While this does not at all entail the altering of the entire amount of the capital gains report, it typically allows the seller to make substantial tax savings.

As mentioned earlier, this agreement provides the seller the legal title for the property, as well as the deed. The property automatically belongs to the seller should the buyer fail to fulfill the provisions in the contract. All the payments made for the property would also be retained by the seller.

Some sellers see contract of deeds as the only way they can sell some of their properties that are difficult to vend. Most of such properties are those that could not conform with the traditional guidelines for lending.

However, the seller might not benefit from the low down payment allowed by the contract. If immediate money is a priority for the seller then this is something that a contract for deed would not be able to give. This arrangement may not be beneficial for sellers who need money more than they need tax breaks.

Depending on the situation, contract for deed may be a great arrangement for your home loan. However, before making any agreement of this kind, you must get sound advice from people who are knowledgeable about the topic. To know more about contracts for deed, you may get some consultation from your real estate lawyer and other real estate experts.

About the Author:

goodinternetmoney.com/homeloanbest

Source:

isnare.com

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Written by Admin in: Mortgage Broker |
Oct
11
2022
0

Wikimedia Foundation’s first Wikimania convention held in Germany

Monday, August 8, 2005

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

On Thursday, August 4 Wikimedia opened its doors to the first ever Wikimania Conference, a five-day event put together by the Wikimedia Foundation.

The event, held in the Haus der Jugend in Frankfurt am Main, Germany, featured discussion and interaction on all Wikimedia projects, including its well known Wikipedia project, an online encyclopedia which touts figures of millions of articles in over 150 languages.

Wikimania expressed that its purpose as a conference was to get wikimedians to meet each other face to face, to provide several workshops and talks on all aspects of Wikimedia sites, and to introduce Wikimedia and its projects to the press.

Wikimania, with a core organisation team of eight people and a staff of 23, drew in more than 100 members of press and 70 speakers, and at least 350 delegates from 52 countries were at the conference on Saturday, August 6. Among delegates, nine from developing countries were sponsored their travel and accommodation costs by Open Source Initiative.

Users not directly at the conference were encouraged to listen in through Freematrix Radio’s online broadcasts, which at the highest point drew 37 concurrent listeners. Users could also connect with the conference via Internet Relay Chat, and interact with people physically present.

One of Sundays’s speakers was Richard Stallman, one of the leading lights of the Free Software movement. Ward Cunningham, inventor of the wiki, held a keynote about the past and future of wikis on Saturday morning. On Friday evening there was a keynote speech on wikis and politics as well as a panel discussion with the Foundation Board.

Jimbo Wales, the founder of Wikipedia, was himself present, and gave a speech based on his concept of Ten Things That Want To Be Free. Wales found himself swamped by press attention on the Saturday after a misquote in a Reuters article seemed to suggest that he believed Wikipedia may need to be locked from editing. Wales later issued a statement clarifying that this is not the case.

The conference was described by many as a professional, occasionally “laid back”, but worthwhile event.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikimedia_Foundation%27s_first_Wikimania_convention_held_in_Germany&oldid=1556168”
Written by Admin in: Uncategorized |
Oct
11
2022
0

Global markets plunge

Friday, October 10, 2008

Stock markets across the world have fallen sharply with several seeing the biggest drop in their history.

Asian markets saw the biggest sell-off. The Nikkei dropped 9.62% to reach a 20 year low. Japan also saw a collapse of a mid-size insurance company, Yamato Life Insurance Company, which declared bankruptcy. The Hang Seng, which was one of the few markets that was positive yesterday, fell 7.19%. Australia dropped by 8.4% and South Korea saw a 9% fall.

In Europe, markets dropped at the open with the FTSE losing 11%. They have recovered only sightly with all European markets losing more than 5%. The European sell off was more about the Asian lows then any specific news. European banks and financial institutes saw the most selling. Also, oil related companies saw large drops as an result of an expected decrease in oil consumption.

The U.S. markets opened lower with the Dow Jones Industrial Average falling below 8,000, before recovering slightly. President George W. Bush made an address on the economy and said markets were being “driven by uncertainty and fear.”

Oil has seen losses of more than US$6 in trading with the current price of a barrel of oil less than $80. This is a year low for oil. News also came out that OPEC will hold an emergency meeting on November 18 to discuss the falling price of oil.

Charities, such as Cats Protection, today said that they have lost much of their funds in collapsing banks. Cats Protection had a total of £11.2 million saved in the now-collapsed Kaupthing bank.

The British National Council for Voluntary Organisations said that 60 of its 6,500 have lost money due to the collapse of banks.

The Dow Jones Industrial Average fell to its lowest level in five years at 8,579.19, falling 679 points in one day. This, at 7.3%, is the eleventh largest percentage fall in the history of the index. The growth then continued, with the index being up over 150 points on the start of the day at one point.

The index, did however, recover, and as of 19:30 UTC was up 17.68 points, or 0.21%, pushing the index up to almost 8600.

Peter Cardillo, chief market economist at Avalon Partners, commented on these massive falls. “What we’ve seen here was one big margin call that just kept feeding on itself, so the opposite could happen. But you need a catalyst,” he said. “I’m more convinced now than ever that this market has made a bottom. The capitulation came when we breached 8,000,” he continued. “It doesn’t mean we can’t go back and revisit that level.”

The UK’s FTSE 100 index fell dramatically to close below 4000, in the index’s worst week in history. This is despite the fact that just a few days ago the index was above 5000, and the index peaked above 5500 in September.The FTSE 100 index has fallen by 41% this year.

Barclays Wealth analyst Henk Potts commented on this massive fall. “We are drowning in a sea of red numbers,” he claimed. “Investors are concerned about the exacerbation of the credit crunch and the gloomy forecasts for economic growth. The reality is that most investors have been spooked by the sheer pressure that the credit crunch is putting on the global economy.”

The Japanese Nikkei 225 has recorded it’s third biggest drop in history with a massive sell-off in the exchange that has resulted in USD 250 billion being knocked of the index’s value.

Toyota, which is the second largest carmaker in the world, fell by the largest amount in 21 years, while Elpida Memory, the world’s largest manufacturer of computer memory, dropped in value to a record low.

Masafumi Oshiden, a fund manager in Toyota commented on the drop.”It’s capitulation,” he said. “There are lots of forced sellers. If you’re a fund that’s going bust you need to close out all your positions.”

George W. Bush commented on the financial situation earlier today. “Over the past few days, we have witnessed a startling drop in the stock market — much of it driven by uncertainty and fear,” he said. “This has been a deeply unsettling period for the American people. Many of our citizens have serious concerns about their retirement accounts, their investments, and their economic well-being.”

Bush then continued by promoting the government’s plan’s to get through the crises. “Here’s what the American people need to know: that the United States government is acting; we will continue to act to resolve this crisis and restore stability to our markets. We are a prosperous nation with immense resources and a wide range of tools at our disposal. We’re using these tools aggressively.”

Gordon Brown, the UK Prime Minister, also spoke on the economy. “I think we quickly realised that we cannot solve the problems we have got as a result of the sub-prime market collapse simply by improving liquidity,” he said speaking in Birmingham to business leaders earlier today. “That would simply not be enough to deal with the bigger problem of rebuilding the banking system for the future and restoring trust is a fundamental element of that.”

Jim Flaherty, the Canadian minister for finance, also commented today on the recent incidents in the economy. “It is important to underline that Canada’s banks and other financial institutions are sound, well capitalized and less leveraged than their international peers,” he claimed. “Our mortgage system is sound. Canadian households have smaller mortgages relative both to the value of their homes and to their disposable incomes than in the U.S.”

“”However, it is becoming increasingly clear that the continuing disruption of global credit markets, which has been severe and protracted, is making it difficult for our financial institutions to raise long-term funding. This is beginning to affect the availability of mortgage loans and other types of credit in Canada,” he continued. “The Government has therefore decided to act to address the current scarcity of private sector lending to Canadian mortgage markets and lending markets overall. This is going to make loans and mortgages more available and more affordable for ordinary Canadians and businesses.”

20:15, 10 October, 2008 (UTC)
  • DJIA
    		•  8.451,19 128,00 1,49%
  • Nasdaq
    		•  1.649,51 4,39 0.27%
  • S&P 500
    		•  899,22 10,70 1,18%
  • S&P TSX
    		•  9.264,57 335,61 3.50%
  • IPC
    		•  19.952,30 357,87 1,76%
  • Merval
    		•  1.215,990 71.340 5,54%
  • Bovespa
    		•  35.615,26 1,474.03 3,97%
  • FTSE 100
    		•  3.932,06 381,74 8,85%
  • DAX
    		•  4.544,31 342,69 7,01%
  • CAC 40
    		•  3.176,49 266,21 7,73%
  • SMI
    		•  5.347,22 451,62 7,79%
  • AEX
    		•  258,05 23,92 8,48%
  • BEL20
    		•  2.123,44 117,44 5,24%
  • MIBTel
    		•  15.438,00 1,081,00 6,54%
  • IBEX 35
    		•  8.997,70 905,20 9,14%
  • All Ordinaries
    		•  3.939,50 351,80 8,20%
  • Nikkei
    		•  8.276,43 881,06 9,62%
  • Hang Seng
    		•  14.796,90 1,146,37 7,19%
  • SSE Composite
    		•  2.000,57 74,01 3,57%
    Retrieved from “https://en.wikinews.org/w/index.php?title=Global_markets_plunge&oldid=4455717”
    Written by Admin in: Uncategorized |
    Oct
    09
    2022
    0

    Does John Templeton’s Trading In The Buff Forex System Really Work?

    The question posed in the headline to this article ought really to be turned around and asked: Did John Templeton’s formula (of using price action to determine a successful currency trade) ever fail consistently? And the answer is: No. It hasn’t. Not in all the years since there have been markets to trade in. In fact, it is what many, if not most, successful professional forex traders use as their main guideline for finding successful trading opportunities. According to John, if you are looking for a trading robot (also known as “Expert Advisors” or EAs) to help you trade the forex market, you are barking up the wrong tree when it comes to finding profitable trades. “The trading markets are way too complicated to let a robot do the trading for you.” There are just too many variables that can come into play for any self respecting forex trader to allow a robot to do the trading for him. Besides that, it just doesn’t make any sense, at least with the data that most of these robots are being programmed to gather and decipher. In other words, the data they are considering and deciphering is not always actionable data. And what about those who trade using “special indicators?” Special indicators are interesting in theory; and they certainly make an intriguing selling point for those who sell forex trading strategies based on using these indicators. However, they only tell you what has already happened. They show a trend already half way through its life cycle. But they certainly aren’t able to predict where the market is likely to go for very much longer. And by the time you enter your trade using these indicators, you’ve already lost half the profit you might have made. So, what good is that! Let’s examine an indicator like stochastics. According to the so-called “experts,” this indicator is meant to show you when the market is oversold or overbought. But how does this apply to the forex market, where what you are buying is one currency as against another and not a product oriented stock competing against similar product oriented stocks? As John asks: “Just because this indicator is telling you that a currency is overbought or oversold, does that really mean that it’s time to buy or sell?” The currency market is a different animal from traditional commodity or product oriented stock investments. John sees himself as being a technical trader who is laser-beam focused on price action, which is why he decries all these gimmicky theorems for investing in the foreign currency market. “Once traders can get rid of this kind of mindset, and start focusing on what’s important for a technical trader, which is price movement, then you can start to call yourself a trader.” Finding profit potential trades based on price movement or price action is what John’s educational material Trading in the Buff teaches. And he is not just making a pitch for his forex trading product; he is speaking from experience: “When I first started trading forex, I had to take my lumps, just like anybody else. I bought one gadget after another. And after all that, it became obvious to me. No gadget is going to do the work for me. I wasn’t going to be able to push a button and become a millionaire.” Instead, he hunkered down and began studying the only forex trade signals he needed to give him a heads up as to what currency pairs to invest in: price movement. Which currencies you invest in varies depending on the conditions of the market, which are always in a state of flux. Market conditions are going to change depending on whether it’s a ranging market or a trending market. But you have to be able to look at the bare statistics and know what you are looking at in order to be able to tell what is happening in the current moment. Fashionable forex trading systems will come and go, just like any other trading fad. Yet, if you really want to make money trading on the currency exchange market, you’d better pay attention to the basics. And that means watching price action and the fundamentals that move price action. That’s where the actionable data is at.

    Written by Admin in: Money Transfer |
    Oct
    07
    2022
    0

    Japanese PM Kishida visits India, discusses business partnership

    Sunday, March 20, 2022

    Yesterday, Prime Minister of Japan Fumio Kishida held bilateral talks with his Indian counterpart Narendra Modi on a two-day official visit for the 14th India-Japan Annual Summit.

    The leaders discussed the strategic business partnership between the two countries and international cooperation. This was Kishida’s first visit as Prime Minister to India since taking office in October last year.

    Kishida announced a JPY 5 trillion in public and private investment and financing to India over the next five years. The two also discussed the development in the information and technology sector and welcomed the India-Japan Digital Partnership. They also expressed hopes regarding the Mumbai–Ahmedabad High-Speed Rail project.

    Both leaders committed to promoting peace and prosperity in the Indo-Pacific of Asia. They called for an immediate suspension of violence in Myanmar and criticised North Korea’s attempts to test nuclear-capable ballistic missiles.

    The two called for an immediate cessation of violence in the Russian invasion of Ukraine and for Ukraine’s sovereignty to be ensured. Both Japan and India agreed to facilitate humanitarian aid to Ukraine. The two countries are members of the Quadrilateral Security Dialogue (QUAD), a security alliance also made up of Australia and the United States. Of the member nations, only India has not yet condemned the invasion due to their strong ties with Russia.

    The two also expressed support for initiating an agreement for the reciprocal provision of supplies and services between the armed forces of the two countries and facilitate multilateral military exercises. Kishida also invited Modi for the upcoming QUAD summit to be held in Japan.

    Kishida left India today and is scheduled to meet his Cambodian counterpart Hun Sen.

    Retrieved from “https://en.wikinews.org/w/index.php?title=Japanese_PM_Kishida_visits_India,_discusses_business_partnership&oldid=4671499”
    Written by Admin in: Uncategorized |
    Oct
    06
    2022
    0

    Entertaining With Tabletop Lazy Susans: Serving Options

    Submitted by: Becca Summers

    Entertaining in today s world is all about how to do it bigger and better than the last person. In some homes the bigger just isn t possible, but with tabletop lazy susans you can always make it better. Some entertaining areas just aren t big enough for the amount of people invited or food being served.

    The large dinner party setting can be fairly tricky with passing food around the table making sure the food is hot without burning little hands along the way. The best option in this case is a large tabletop lazy susan will make it easy to pass the hot food to everyone on the table with out having to touch it and burn fingers. The best way to pick the size for your tabletop is to set the table with your dishes and cups leaving room in the middle of the table for your lazy susan. You will want to leave about eight inches from the cup to the lazy susan. So measure from cup to cup across the middle of the table then subtract sixteen inches and that will be the best size for your table.

    [youtube]http://www.youtube.com/watch?v=bXS83_Z0AjM[/youtube]

    The causal gathering with snacks is always fun but you don t want to be spending your whole time worrying about where the food is and making sure everyone can reach it. The best option for this is a two tiered tabletop lazy susan. You will be able to place the two tiered lazy susan on a table, counter or coffee table to almost double the space you have without taking up to much space. Not only will it look nice it keeps everything nice and organized.

    The buffet style gathering where you want or need to serve a whole meal but don t have the table space for everyone to sit down. This often happens with very large groups and the entertain area gets really cramped especially where the food is. The best option of this situation is a smaller tabletop lazy susan, you can put all of your condiments in one spot and your guest can turn it to get what they need quickly without having to reach around someone else. This will keep the line moving quickly and get hungry people their food fast. Or you could use it for the desert bar, getting the most out of a small space. If someone wants the other brownie you don t have to take up all the space of having all of the flavors displayed individually they can now be combined and it will look even more appetizing.

    Whether you are planning a large sit down dinner, gathering with snacks or buffet style tabletop lazy susans can really come in handy. When they are not being employed for your parties you can keep them in a cabinet to keep things neat and organized. They are great for serving food to your friends and family and will let you enjoy the party as much as they do.

    About the Author: Becca Summers has always loved kitchen d cor and

    TabletopLazySusans.com

    She currently helps run a website that sells a variety of lazy susans.

    Source:

    isnare.com

    Permanent Link:

    isnare.com/?aid=766771&ca=Home+Management

    Written by Admin in: Kitchen Home Improvement |
    Oct
    05
    2022
    0

    US swimmer Phelps suspended over ‘pot pipe’

    Friday, February 6, 2009

    United States swimmer Michael Phelps has been banned from competition and his training stipend revoked for three months by USA Swimming after Phelps was photographed smoking from a glass pipe, often used for smoking cannabis. The picture was published last Sunday by British tabloid News of the World.

    USA Swimming, which is the governing body of swimming in the United States, however said that no “anti-doping” rules had been violated.

    “This is not a situation where any anti-doping rule was violated, but we decided to send a strong message to Michael because he disappointed so many people, particularly the hundreds of thousands of USA Swimming member kids who look up to him as a role model and a hero,” it stated. “Michael has voluntarily accepted this reprimand and has committed to earn back our trust.”

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    The suspension will end in time for Phelps to train for the US Championships, which are to be held on the 7th of July.

    Phelps has also lost sponsor Kellogg, who said that it would not renew its deal with the swimmer next month.

    Phelps won a record eight gold medals at the 2008 Olympic Games in Beijing last year, and has since become one of the world’s most famous athletes.

    Retrieved from “https://en.wikinews.org/w/index.php?title=US_swimmer_Phelps_suspended_over_%27pot_pipe%27&oldid=3291804”
    Written by Admin in: Uncategorized |
    Oct
    05
    2022
    0

    Technological University Dublin senior lecturer Dr Lorcan Sirr speaks to Wikinews on housing market in Ireland

    Wednesday, July 21, 2021

    Wikinews correspondent J.J. Liu spoke with Technological University Dublin (TUD) senior lecturer at the School of Surveying & Construction Management, Dr Lorcan Sirr on Friday regarding the supply of housing in the Republic of Ireland and relevant parallels across the rest of Europe, as well as recent developments by the government and private sector that are causing a rise in rents and home prices in the Irish real estate market.

    Dr Sirr is a regular contributor to The Irish Times and has provided commentary to Irish radio station Newstalk, national broadcaster Raidió Teilifís Éireann (RTÉ) and various other publications. In addition to being a chartered planning and development surveyor and assessor to the Society of Chartered Surveyors, Dr Sirr is a Peace Commissioner and former external examiner for the Galway-Mayo Institute of Technology, according to his profile on Worky.

    Dr Sirr was a lecturer and former head of research for the Faculty of the Built Environment at the Dublin Institute of Technology, which entered a merger with two partner institutes to become TUD January 1, 2019. He received his bachelor’s degree in estate management at the University of Greenwich, United Kingdom, and master’s degree in urban design and PhD in town planning at the University of Manchester. He has a second master’s in literature from KU Leuven, Belgium, and speaks French.

    Retrieved from “https://en.wikinews.org/w/index.php?title=Technological_University_Dublin_senior_lecturer_Dr_Lorcan_Sirr_speaks_to_Wikinews_on_housing_market_in_Ireland&oldid=4631667”
    Written by Admin in: Uncategorized |
    Oct
    04
    2022
    0

    School bus crash kills one student in Georgia, US

    Monday, October 4, 2010

    A school bus, with fourteen students from the Temple High School aboard, crashed in Georgia, United States, earlier today on Georgia State Route 113 going southbound, killing one student and leaving a dozen more injured. It is reported that at the time of the crash there was a trainee driving the bus.

    According to the Carroll County Schools Superintendent, one student was killed and a dozen others were in need of medical care after the bus rolled over. A spokesman for the mayor and a highway patrolman also confirmed that a student died. The student has been identified as James Rashawn Walker of Temple, Georgia. It is reported that the bus was heading southbound on the highway when the driver lost control and drove into a ditch, which caused the bus to turn over.

    Witnesses reported the bus flipped multiple times before coming to a halt. According to a witness, Ben Cole, a lot of the students were crying and in pain. The six injured were taken to the Tanner Medical Center and the Higgins Hospital, among them was the 45-year-old female bus driver. The Carrol County Sheriff’s Department are advising concerned parents to gather at Temple High School.

    Retrieved from “https://en.wikinews.org/w/index.php?title=School_bus_crash_kills_one_student_in_Georgia,_US&oldid=1676856”
    Written by Admin in: Uncategorized |
    Oct
    04
    2022
    0

    Play Now With Top Online Casino In Malaysia

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    Written by Admin in: Betting |
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