I Want to Buy a Home - Now What?
If you were to ask 100 women "What would you like to achieve financially?" Buying a home or apartment is usually one of the answers. Some women think that they can never own a home - which is not true! In fact, there are so many success stories of home buyers who never thought they would get there. ... more...

Interest Only Mortgage? Consider a Graduated Payment Mortgage
Graduated payment mortgages (GPM) offer financing solutions for those who expect their income to rise in the future. A hybrid of an adjustable rate mortgage and fixed-rate mortgage, a GPM with its fixed interest rate starts with low payments that increase yearly based on the loans terms. If you ... more...

Why You Need a Business Plan
This article was originally called "Do You Need a Business Plan?"The title was changed because in truth, every business needs a business plan. Its a common misconception that business plans are used only for raising capital, as in "my bank wants to see a business plan before they will approve a ... more...

Beware of Mortgage Refinancing Traps
The mortgage lending business is highly competitive. And that, my dear reader, is an understatement. It is like saying that the Pacific Ocean has many gallons of water in it. Even Donald Trump this week decided to enter the mortgage arena with the hyped up launch of Trump Mortgage from Las Vegas ... more...

How To Create A Business Note That Is More Attractive To A Note Investor
You are selling your small business (business value under $1 million for this article). You would like the buyer of your business to come in with an all-cash offer, or be able to qualify for an SBA guaranteed loan. However, in many cases the owner of the business ends up taking back the ... more...

Too Many Cooks in the Kitchen After Wife Gets MBA
"Hesh, where is your business plan? It was a question I expected from my banker, but not from my wife. She tried to sweeten it by adding, honey? It didnt help. I looked at her in disgust. I realized I had created a monster.Let me explain. I had encouraged Sue to go back to school. The kids were ... more...

Adjustable Rate Mortgages - Understand the Benefits Compared to a Fixed Rate Mortgage
Adjustable rate mortgages can be very tempting to home buyers, yet they carry a great deal of uncertainty. Fixed rate mortgages offer rate and payment security, but they are more expensive. It is important to weigh the pros and cons of ARMs and fixed rate mortgages before you decide which is right ... more...

Buying a Vacation & Retirement Home
Buying a vacation home that doubles as a future retirement home requires forethought and thorough investigation. Conventional wisdom tells us to first settle on a desired location and then look for the least expensive house in the best possible neighborhood. This is of course true, but buying a ... more...

Used-Book Case Study
Dwight Payne and Gary Heap reside in Santa Barbara, CA, where they attend college and pursue their mutual hobby of science-fiction book collecting. They pooled their book collection of over 4,000 volumes, and sci-fi magazines going back over twenty-five years. All neatly catalogued and indexed, ... more...