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출장마사지 쥬쥬 출장안마 선입금/예약비 없는 1OO%후불제 출장업체 한국인 2O대 매니저가 서울.경기 전지역 원룸 모텔 호텔 오피스텔로 직접 방문해서 케어 해 드립니다. 출장안마

출장마사지 쥬쥬 출장안마 선입금/예약비 없는 1OO%후불제 출장업체 한국인 2O대 매니저가 서울.경기 전지역 원룸 모텔 호텔 오피스텔로 직접 방문해서 케어 해 드립니다. 출장안마

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PROBLEM Since early 2006 to the present our financial system in this country has been in disarray and significantly crippled. Hundreds of banks have already failed and been closed; hundreds more have been forced into mergers (shotgun marriages) with ...

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PROBLEM

Since early 2006 to the present our financial system in this country has been in disarray and significantly crippled. Hundreds of banks have already failed and been closed; hundreds more have been forced into mergers (shotgun marriages) with stronger banks; hundreds more are operating as “zombie” institutions-they look like banks and they try to act like banks but they cannot make loans. Most of the “too big to fail” banks based in New York, California, or Atlanta appear to be operating normally, but the truth is they are not lending to the “little guy”. They are lending to the publicly traded corporation primarily. In plain English, getting a loan from a bank for the average borrower is next to impossible.

SOLUTIONS

  • Don’t operate your business or don’t do the transaction
  • Pay all cash-don’t borrow
  • Borrower from non-banks-friends, family and private lenders
  • Do transactions using non-traditional methods-creative financing

JUST WHAT IS “CREATIVE FINANCING?

Creative real estate financing is an all-inclusive term. It essentially means arranging a transaction whereby any and all types of financing is considered to do the deal. Most or all of these types of financing happen to fall outside of the standard government mandated banking guidelines and restrictions. The financing vehicles considered do not conform to Fannie Mae, Freddie Mac, FHA, VA, or other HUD guidelines.

Examples of “creative” financing vehicles are: Private Party Financing, Seller Financing, Bank lending that does not comply with the HUD guidelines, Exchanging Equities, Lease with Option Financing, Contract for a Deed Financing, Equity Sharing Financing, Home Equity Financing, Credit Card Financing, and any combination of the above.

EXAMINING “CREATIVE FINANCING” TOOLS INDIVIDUALLY

Of all of the various types of creative financing tools mentioned above the most common and the most easily understood is private party mortgage financing, which includes seller financing.

The underlying concept is that the bank is not involved in the transaction and the private party lender takes the place of the bank. There are many advantages to removing the bank form the transaction. The main benefits are:

  • Qualifying (accepting) the borrower is the decision of the private party
  • Qualifying (accepting) the property is the decision of the private party
  • The interest rate and the monthly payment is the decision of the private party
  • The maturity date of the loan (balloon date) is the decision of the private party
  • The down payment amount is the decision of the private party
  • The time necessary to close the loan is much shorter
  • A valuable, long-term stream of income is created
  • The interest earned may be higher than any other available investment

All of these benefits, when combined, make private party mortgage financing a very powerful tool to cause a transaction to close that otherwise would have failed. And, additionally, they may offer investment benefits not elsewhere available.

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Stop having vacations, inch is something that I have had to withdraw at least audibly. So i had to show her, My dear, I didn’t say stop having vacations, I meant to say stop hating vacations. inch Then i exhibited a smile in her direction. “That is m...

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Stop having vacations, inch is something that I have had to withdraw at least audibly. So i had to show her, My dear, I didn’t say stop having vacations, I meant to say stop hating vacations. inch Then i exhibited a smile in her direction. “That is more preferable, inch she said with an infectious laugh. “You know how much I really love these vacations. inch One thing I have learned as a frequent husband is that if you love what your lady loves your life will be wonderful. I really do not need to love what she loves, but if i love her, it is not important what she loves.uzbekistan tours Driving back from our vacation, which my wife did all the driving, I said one thing that made the drive worth driving. “Don’t we have wonderful grandchildren? inch She is still smiling over that one. So am I. In the silence in our drive home, I began to consider what our Master said. “But I say on to you, Love your adversaries, bless them that problem you, do good to them that hate you, and hope for them which despitefully use you, and persecute you” (Matthew 5: 44). Love is a very important thing, from Jesus’ perspective. You can tell a lot about a person in what and how they love. I will take Jesus’ advice and just love whatever is in front of me.