Have you ever wondered how car manufacturers can make a profit by offering 0% financing to car buyers? It is a simple reverse calculation of the required note discount to determine how to set a Present Value (PV) for the note purchase. The car buyer can choose to pay a higher price for easy financing […]
Category Archives: General
General items of interest.
The Legality of Sandwich Lease Options Many real estate gurus erroneously teach their students to acquire control with a Lease with Option and then “resell” the property to a tenant-buyer with another Lease with Option. The problem is that the student in the middle of the sandwich has NO EQUITABLE INTEREST in the real property, […]
20
Jul
Jul
Inflation means the increase in the supply of fiat currency caused by the central bank printing (counterfeiting) currency to buy bonds, thus reducing the yield (effective interest rate) and increasing the bond price. Reducing interest rates reduces the Capitalization Rates for assets that are financed by debt, mainly commercial income property. Reducing the CAP rate […]
09
Jul
Jul
There is a world of difference between the “fractional reserve system” (FRS) and the “central banking system” (CBS). FRS merely spreads out the money deposits in the form of loans, and the total sum of deposits plus debt never changes. FRS is a kind of “leverage” on the deposit of money that strongly depends on […]
02
Sep
Sep
Well, I’ve finally come to it. My costs are increasing for maintaining this website, adding features to my products, writing free articles and posting free YouTube videos. The time has come to add a PayPal Donate button. I hoped it wouldn’t come to this, but times change. By the way, it’s not a donation, because it’s […]
05
Jan
Jan
Housing prices will collapse with a nominal increase in interest rates. Get your financial calculator: N=360 (30 years), Rate=4% per year, PV=100,000, PMT=477.52, FV=0. Those are the numbers for a $100,000 mortgage debt at 4% per year, fully amortizing over 30 years. Change the interest to Rate=6% and recalculate PV=79,628.87. That’s 20.4% decline for the […]
In early January 2013, I became very ill with Labyrinth-itus, which is a viral infection of the inner ear that affects balance. I was very disoriented and nauseous. A family member is a doctor in another state and she said my symptoms were consistent with Labyrinth-itus and it may take up to eight weeks to […]
Most folks like to think that they are acting ethically and with integrity. The real test of whether you are ethically conducting your affairs is by looking from the other person’s point of view, as if what you are doing is being published on the front page of a major newspaper. I am not saying […]
I must be cursed. I tried a few real estate plug-ins from WordPress.org that totally killed my website. The culprits are: Firestorm Real Estate Plugin Great Real Estate Plugin Simple Real Estate Pack When I say “killed”, I mean “KILLED”. I had to delete the website content and database, and manually restore everything from a […]
I finally found a commercial shopping cart that supports the Amazon S3 remote hosting of very large download files, and it has a free WordPress plug-in. The shopping cart costs $18/month to support remote product files. Go to my Products page and browse around my products! Feel free to purchase, of course! Thank you for […]
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