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Tag Archives: loan
Low Interest Rates
Low interest rates are very enticing. I want to suggest caution, because an increase in interest rates will dramatically affect the value of real property. Real estate is a “borrowed money” business. The cost and structure of financing determines the income valuation of the property. Similar to bonds, the value varies inversely to the yield [...]
Investing in Rental Properties
I just watched yet another “Personal Finance Guru” on cable TV who recommends NOT to invest in rental income properties, but instead to invest in municipal bonds, claiming that such debt instruments are paying 5% to 6% tax free and are much safer than rental properties. To use the guru’s favorite retort, “Are you kidding [...]
Posted in Real Estate Investing, Wealth Creation
Tagged active, bond, cap rate, capitalization rate, cash flow, debt, down payment, equity, expense, income, interest, investment, landlord, lease, loan, management, mortgage, passive, principal, property, real estate, rent, rental, syndication, tenant, yield
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The Infamous Reverse Mortgage
I just added a free PDF special report about the infamous “Reverse Mortgage”.
There are finance companies that are offering the “Reverse Mortgage” to seniors (at least age 62). Seniors with a substantial amount of equity in their residence are targets of this aggressive predatory loan. There are many “celebrities” who claim a reputation for financial [...]
Posted in Introduction to Income Valuation and Syndication, Real Estate Investing, Time Value of Money, Wealth Creation
Tagged amortization, amortize, analysis, borrow, borrower, capitalization, cash on cash, compound, credit, debt, finance, financial, lend, literacy, loan, mortgage, principal, rate, return, return on equity, reverse mortgage, syndication, syndicator, yield
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Guru Tips on Refinancing
I just posted a new article on the Time Value of Money (TVM) principles for refinancing your home.
I just heard some ridiculous financial advice from a “personal finance guru” regarding refinancing your home mortgage.
Refinance to a lower interest rate.
Refinance to a shorter amortization term (number of payments to pay off).
Refinance only when you can recover [...]
Posted in Power Debt Plan Spreadsheet, Real Estate Investing, Time Value of Money, Wealth Creation
Tagged amortization, amortize, borrower, credit, debt, deed of trust, finance, interest, lender, loan, loan modification, mortgage, principal, rate, recast, refinance, trust deed, yield
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Should I Pay Off This Mortgage Loan?
I just heard a personal finance expert recommend paying off a mortgage that has 14 years remaining. Here are the parameters of the 30-year fixed rate loan:
Debt Present Value: 229,880Remaining Term: 168 (16 years paid, 14 years left)Annual Interest Rate: 6.6% (fixed over 30 years)Monthly Debt Service: -2,100 (principal + interest)Annual Debt Service: -25,200
From these parameters, [...]
Posted in Introduction to Income Valuation and Syndication, Real Estate Investing, Time Value of Money, Wealth Creation
Tagged capitalization rate, cash flow, cash on cash, credit, debt, equity, finance, financial, interest, invest, investment, investor, leverage, loan, mortgage, principal, return on equity, syndication, syndicator, yield
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Power Debt Plan Spreadsheet product update new tutorials!
The Power Debt Plan spreadsheet has added video tutorials 7 & 8 that demonstrates an advanced concept of using leverage to pay down your debt much faster. Check out the sales page to see the YouTube versions of the videos.
Posted in Real Estate Investing, Time Value of Money, Wealth Creation
Tagged amortization, cash flow, clark howard, creditor, dave ramsey, david bach, debt, debt elimination, debt free, debt management, debtor, depression, dolp, dolp buster, excel, finance, financial, financial freedom, financial literacy, financial plan, financial planner, financial planning, interest, layoff, loan, macro, money management, money master, money mastery, money merge, money merge killer, mortgage, mortgage accelerator, pay off, pay off debt, principal, recession, snowball, software, spreadsheet, suze orman, time value of money
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New Power Debt Plan Spreadsheet available now!
I just released my latest information product! I am sure you’ve heard of “Debt Snowball” and “Mortgage Accelerators”. If you are struggling with bad debt and don’t know how to dig yourself out of it, then this product is for you.
It is a Microsoft Excel 2007 spreadsheet. It has powerful macro software that calculates the [...]
Posted in Time Value of Money, Wealth Creation
Tagged amortization, cash flow, clark howard, creditor, dave ramsey, david bach, debt, debt elimination, debt free, debt management, debtor, depression, dolp, dolp buster, excel, finance, financial, financial freedom, financial literacy, financial plan, financial planner, financial planning, interest, layoff, loan, macro, money management, money master, money mastery, money merge, money merge killer, mortgage, mortgage accelerator, pay off, pay off debt, principal, recession, snowball, software, spreadsheet, suze orman, time value of money
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