Home Equity Loan Home

Home Equity vs. Auto loan http://www.dinkytown.net -- Financial Calculators http://www.dinkytown.net -- Auto Loan vs. Home Equity Loan Home equity loans often have lower interest rates than auto loans and the interest may be tax deductible. Two good reasons to take a look at home equity loans to finance your automobile purchase. Auto Loan vs. Home Equity Loan RESULTS_MSG. RESULTS_TEXT Auto Loan vs. Home Equity Loan Results   Auto Loan Home Equity Loan Loan amount LOAN_AMOUNT HOME_EQUITY_LOAN_AMOUNT Monthly payment MONTHLY_PAYMENT HOME_EQUITY_MONTHLY_PAYMENT Interest rate INTEREST_RATE HOME_EQUITY_RATE Term TERM months TERM months Income tax savings (Over the term of the loan) $0 HOME_EQUITY_TAX_SAVINGS Total interest paid AUTO_LOAN_TOTAL_INTEREST HOME_EQUITY_TOTAL_INTEREST RESULTS_MSG. Auto Purchase Summary Total purchase price (before tax): AUTO_SALE_PRICE Sales tax*: SALES_TAX   *Currently California, the District of Columbia, Hawaii, Maryland and Michigan allow no deductions for trade-ins when calculating sales tax. If you live in one of these states make sure to check the box 'No sales tax deduction for trade-in' on the main calculator page. Fees: TITLE_TRANSFER_FEE Total sales price (after tax & fees): TOTAL_SALE_PRICE Total downpayment**: TOTAL_DOWN   **Your total downpayment is calculated as your cash down payment of CASH_DOWN plus your trade-in allowance of TRADE_ALLOWANCE minus the AMOUNT_OWED_ON_TRADE loan balance outstanding on your trade-in vehicle. Loan amount: LOAN_AMOUNT Payment schedule **REPEATING GROUP** Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. " This Financial Calculator requires a Browser with Java(TM) applet Support. If you are seeing this message you will need to download SUN's Java(TM) Plug-in. This can be done simply, and automatically, by clicking the link below: Get the Java(TM) Plug-in! Definitions Term Number of months for the auto loan. Purchase price The amount, before taxes and fees, that you are paying for this auto. Auto loan interest rate (APR) Annual percentage rate for the auto loan. Cash down This is the money you have available to be used for fees and your down payment. Trade allowance Total dollar amount given to you for your auto trade-in. Amount owed on trade Total loan balance still outstanding on the trade-in. Fees Fee charged for title transfer. Also include any other fees that may be due at delivery. Sales tax rate Sales tax percentage rate charged on this purchase. Home equity interest rate (APR) Annual percentage rate for the home equity loan. Home equity closing costs Any additional costs to the home equity loan. This should include any appraiser fees, points paid or other miscellaneous fees. State and Federal tax rates Your state and federal marginal income tax rates. These rates are used to determine the tax savings associated with a home equity loan. No sales tax deduction for trade-in If you live in a state where your sales tax is calculated on your full purchase price, check this box. If this box is unchecked, sales tax is calculated on the purchase price less trade in. Currently California, the District ofColumbia, Hawaii, Maryland, Michigan allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana, New Hampshire, and Oregon have no sales tax on autos. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

rental property software. You

Rental Property Tracker Plus Easy to use rental property management software for rental managers and landlords... Click here to get a free trial copy of this rental property software. You pay only $149 after your 10 day free trial! (Includes Customer Support) Satisfaction Guaranteed or Your Money Back! Rental Property Tracker Plus is easy-to-use , software for rental property management with which you can: • Keep track of all your rental units, tenants, rental income and expenses. • Organize all your property rental manager activities, tasks, contacts, and even appointments with this productivity software suite. • Accepts government subsidies (Section 8 certificate and voucher programs for example) as partial rent payments. • Assign multiple tenants to any unit. The number of units and tenants is only limited by memory and CPU speed. • Send form letters to any or all contacts, tenants or owners. • Prepare property manager accounting reports for printing or exporting to a spreadsheet quickly and accurately. • Make income tax preparation easier with this rental tracking software . • Receipts, Statements, Notices and Reports can be translated into any language . Free trial rental property software to download for all Windows and Macintosh computers. Data can be shared between any of these computers. Customize colors, currency symbol ($, £, ¥, €, etc.), date, time, distance and liquid measure formats, report font and size, etc. in this relational database. Guided Tour included with this rent tracking software. Get FREE Customer Support when you register! Version 1.8.5.2 has just been released. Click here to see what's new. Click here to find out about Vacation Rental Tracker Plus, the perfect lodging rental management software for single & multi-property Hotels, Motels, Resorts, Condos, etc... Rental Property Tracker Plus contains all of the following Rental Management Software: This rental expense tracking software keeps track of all your rental expenses including advertising, cleaning & maintenance, insurance, management fees, mileage, repairs, utilities, etc. You can also print checks and view balances with the Checkbook Register. Easily create reports for tax returns. Click here for more information about Rental Expense Tracker. This rent payment tracking software keeps track of all your rental income for weekly, monthly or multiple month rental periods. Easily generate rental receipts and reports for accounting or tax returns. Click here for more information about Rental Income Tracker. This component will help you keep track of deposits and payments to your Accounts, and all your miscellaneous income such as coin operated vending machines, laundry, etc. Click here for more information about Other Income Tracker. This building management software keeps track of all your rental property including past and present tenants, descriptions, condition notes, etc. Easily create reports. Click here for more information about Rental Unit Tracker. This tenant tracking software keeps track of all your tenants and their phone numbers, payment history, etc. Easily create leases, reports and notices. Click here for more information about Tenant Tracker. This electronic address book keeps track of both business and personal contacts including their name, address, phone(s), and associates as well as any notes about previous interactions. You can print or export your contact list to other programs including Palm Desktop. You can also easily print envelopes or all contact information including notes. Also includes an area code locator which will tell you what cities are in a specified area code and what area codes are in a specific city or state. Click here for more information about Contact Tracker. Keep track of all your appointments, birthdays, etc. with this versatile electronic date book. You can set an event to repeat every day, every other day, every week day, every week, every other week, every month on the same date, every month on the same day of the month, or every year for as long as you specify. You can print daily, weekly and monthly schedules too. Import or export your appointments to other programs including Palm Desktop. Click here for more information about Schedule Tracker. This To Do list generator helps you remember and prioritize all the things you think of as you are working. You can easily sort your task list by priority, date entered, deadline or task name. Then you can print or export your list to another program such as Palm Desktop. Click here for more information about Task Tracker. Here is a simple number calculator that will also: compute a date that is x number of days before or after a date you specify; let you know the day of the year of any date; tell you what time it is anywhere in the world; convert just about any US or British length, volume or weight to it's metric equivalent with the conversion calculator; figure the amount of foreign currency that a number of dollars is worth (or the other way around) given the current exchange rate with the currency calculator; and easily compute discounts and sales tax on any amount. Click here for more information about the Universal Calculator. Click here to get your copy of Rental Tracker now! ©2005 Garth Catterall-Heart SpiritWorks Software Development 503-560-1028 PO Box 685 Carlton, OR 97111 e-mail: info (at) SpiritWorks-software.com Terms of Use, Refund and Privacy Policy

Home Mortgage

Bank of America | Home | Personal Locations • Contact Us • Help • Sign In Search Online Banking Sign In View demo | Learn more | Enroll Enter Online ID Save this online ID Enter Passcode: Account in: the following geographical location Canada ---------- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Forgot or need help with your ID? Reset passcode " width="190" height="28" border="0" / Sign In to Other Services Service My Mortgage Online Investing Future Scholar Military Bank Online Account Shortcuts Open an Account Checking Accounts Savings Accounts CDs Credit Cards Mortgages Home Equity Account Services Reorder Checks Set up direct deposit Request a Check Card Link accounts Change Address Change Phone Number ATMs & Banking Centers Address: City: State: Choose State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming or ZIP Code: Banking Centers ATMs More Location Search Options " / " / Online Services Online Banking with Bill Pay | Other Online Services Checking & Savings Overview | Checking Accounts | Savings Accounts | CDs | Keep the Change™ Cards Credit Cards | Check Cards | Gift Cards Loans & Home Buying Overview | Mortgages | Refinance | Home Equity | Auto Loans | Education & Other Loans | Movers Resource Center | Real Estate Center Investments & Wealth Management Investment Services | Premier Banking & Investments | The Private Bank | Family Wealth Advisors | IRAs | Columbia Funds | Trust Services | 529 College Savings Plans | Charitable Giving Program Specialized Banking & Additional Services Military Bank | Student Banking | Accessible Banking | Insurance | Foreign Currency / Travelers Cheques | SafeSend Money to Mexico Financial Education & Tools Overview | Savings & Budgeting | Home Purchase | Loans & Credit Cards | Credit Management | Investing | Retirement | Estates | Taxes | Education | Car Purchase En Espaol Your Security and Privacy Partner Learn how we're committed to your security Protect yourself against fraud Guard against scams with the free Bank of America Toolbar " border="0" hspace="5" vspace="5" / Online statements provide security you can bank on. Learn more " border="0" hspace="5" vspace="5" / A simple way to invest online. Now trade for as low as $7. Learn more " border="0" hspace="5" vspace="5" / Home Equity Line of Credit. No fees to get it, use it or keep it. Learn more Visa® Platinum 0% fixed introductory APR* and no annual fee. Learn more Shopping for competitive auto insurance? Get a convenient and free rate quote today. Learn more " border="0" / Service agreement Privacy & Security • Careers • Site Map Investment products provided by Banc of America Investment Services, Inc.®: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed Banc of America Investment Services, Inc is a registered broker-dealer, member NASD and SIPC and is a nonbank subsidary of Bank of America, N.A. Bank of America, N.A. Member FDIC. Equal Housing Lender © 2005 Bank of America Corporation. All rights reserved.

Real Estate Investment Trusts

Investment Services Real Estate Instruments in the Yahoo! Directory Search: the Web | the Directory | this category Investment Services > Real Estate Instruments Email this page Suggest a Site Advanced Search Directory > Business and Economy > Shopping and Services > Financial Services > Investment Services > Real Estate Instruments CATEGORIES Real Estate Investment Trusts (110) SPONSOR LISTINGS ( What's this? ) Matrix Capital Partners - private equity firm focused on multi-family real estate investments and the preservation of affordable housing communities. SITE LISTINGS By Popularity | Alphabetical ( What's This? ) Sites 1 - 31 of 31 RealEstateCourseReviews.com - read and write reviews of the most popular real estate investing courses. Also offers products, articles, and links related to real estate investment. Oarlock Investment Services, Inc. - specializes in investment real estate for self-directed retirement accounts. Lend Lease Corporation Limited Lend Lease Real Estate Investments - diversified investment manager offering real estate and mortgage products. George Smith Partners, Inc. - commercial mortgage brokerage firm specializing in financing acquisition, construction, and mezzanine loans in addition to joint venture equity and highly leveraged participating debt. Cashflow Property Network - offers members insight on where to invest, what types of real estate to invest in, and what to expect as a real estate investor. Intercontinental - features investment, development, and asset management. Legacy Partners - management and investment company with properties in the western states. The J.E. Robert Company - commercial mortgage investment and asset management firm with offices in the U.S. and France. Charter Municipal Mortgage Acceptance Company (AMEX: CHC ) - invests in tax-exempt bonds, the proceeds of which are used by borrowers to finance and refinance the development and ownership of multifamily housing nationwide. Bancroft Capital - real estate investment and consulting company specializing in the western United States. L & B Group - provides real estate investment advisory and management services to institutional investors. LNR Property Corporation - invests primarily in real estate properties, loans, and securities. New Boston Fund, Inc. - offers information on activities and investment team. Capital Commercial Investments (CCI) - real estate investment company. Maverick Consulting Group - consulting for residential, office and retail property investment internationally. RealtiCorp - real estate trading company that does research based land investing to identify, acquire, and sell land. Krupp Funds Group American Spectrum (AMEX: AQQ ) - diversified real estate investment and management company. Sagam - specializing in investments and trading in Mortgage Backed Obligations an the Dynamic Currency Unit (DCU). RealNet USA - provides a wholesale method of acquiring, financing, insuring, and managing real estate investments. Phoenix Capital - specializing in acquiring income-generating real estate assets by purchasing property units from individuals involved in limited partnerships or syndications Infinity Commercial Real Estate Group - specializing in 1031 Tax Deferred Exchanges, and focusing on income producing properties such as apartment complexes, office buildings, and retail centers. Asia Pacific Capital - acquisitions include office, hotel, retail and residential properties. Institutional Real Estate Advisors - investment options for ERISA multi-employer plans, corporate plans, and related investment managers. TDM Properties - properties in Australia, New Zealand, and the South Pacific. Buy A House.com - offering real estate investment services assisting people in creating real estate wealth. Gravitas Holdings - financial structuring engine at the heart of a group of companies that focuses on property acquisitions, procurement, sales, and consultancy services. Asset Marketing, Inc. - real estate holding offers investment, marketing, development, and management services. Property-Invesmtent.com - provides clients with professional advice regarding foreign property investments. Matrix Capital Partners [SPONSOR] - private equity firm focused on multi-family real estate investments and the preservation of affordable housing communities. Investment Services > Real Estate Instruments Email this page Suggest a Site Advanced Search Directory > Business and Economy > Shopping and Services > Financial Services > Investment Services > Real Estate Instruments Search: the Web | the Directory | this category

Selling home on your

Alaska Journal of Commerce: Selling home on your own can prove costly 04/22/02 [an error occurred while processing this directive] [an error occurred while processing this directive] Home Focus In this Issue Calendar Bulletin Board Movers & Shakers Business History Archive Around the World Legals Viewpoint Profile Cartoons Contact Us Advertise with us Subscribe About Us Classified ADs Oil & Gas Special Sections Wealthbuilders Fish Factor Travel Insight Property Wise Tech Watch Law Page Philanthropy Health Book of Lists -5° 17° 9° 8° 27° 33° 35° 41° 44° 39° 35° Choose City Anchorage Barrow Bethel Cordova Deadhorse Denali Park Dillingham Dutch Harbor Fairbanks Galena Haines Homer Juneau Kenai Ketchikan Kodiak Kotzebue McGrath Nenana Paxson Petersburg Pribilof Islands Sitka Skagway Soldotna Talkeetna Valdez Wrangell Yakutat Email Newsletter Palm Pilot Delivery Letter to the editor Comments Locate a copy [an error occurred while processing this directive] [an error occurred while processing this directive] 042202 prop_wise 2 Alaska Journal of Commerce Late night television and local radio programming is rife with infomercials and advertisements touting how easy it is to buy and sell your houses, buildings and businesses all by yourself and save staggering amounts of money to boot. -- Web posted Monday, April 22, 2002 Selling home on your own can prove costly By Ken Jelinek For the Journal Late night television and local radio programming is rife with infomercials and advertisements touting how easy it is to buy and sell your houses, buildings and businesses all by yourself and save staggering amounts of money to boot. They can be rather insulting to those of us in the real estate industry because they attempt to make us sound unnecessary, unethical and expensive. But the fact is, you really can do it yourself successfully. Cynically speaking, however, you can also fix your own car, generate your own electricity, defend yourself in court, trade your own stocks and never visit a doctor. You could probably do your neighbor's job too. One day, when everything is perfectly computerized and digital, you probably won't need a real estate agent. But for now, for the rest of us, we need the help, and that help is going to cost us. So, before you go spiraling off in your declaration of independence, ask yourself, "If it's really so easy, then why aren't all real estate transactions conducted without an agent?" You might also ask yourself if you would want to eliminate the real estate agent and take on all of his or her responsibilities when you are already bogged down with your own life in general, and especially if you haven't done it enough to do it right or do it well? Then, listen closely to your answers because we professionals in the industry are often patching up real estate transactions gone sour behind the well-meaning do-it-yourselfers. Keep in mind that I'm referring to all professionals in the industry including agents, attorneys, loan originators, title officers, processors, surveyors, tax assessors, appraisers and inspectors. But I'm referring specifically to the agent because he or she is the center in this wheel. Nationally, only three to five of every 100 home sales consists of successful "For Sale by Owner" transactions. The vast majority of those that attempt it end up hiring an agent within the first 30 days after they have realized the true cost, time and demands required for marketing and showing a home. Locally, the statistics indicate 15-17 percent of FSBOs are successful. While there are a lot of reasons for this, one of the main ones is that we have a robust seller's market with relatively low inventory. This can be quite tempting for sellers to strike out on their own because it looks easier than it is. But even the owners that sell their own homes usually sell to a buyer who has an agent paid for by the seller. The truth is that the vast majority of all real estate transactions are completed with agents involved on at least one side of the sale, and for this reason, most transactions go very smoothly. But sometimes they don't. One recent seller took the advice of a local FSBO program on pricing his home. Several programs will give you limited service for a set fee. He put an ad in the paper and sold it within three days. When the appraisal report came back he learned that he priced his home too low but was still committed to that price. Sure, he might have saved 6 or 7 percent in brokerage fees but he lost a lot more than that to the happy buyer because his FSBO consultant didn't know the market well enough. In a similar incident, a very excited couple heard of a perfect home on the market For Sale By Owner in their neighborhood. The sellers told them that they didn't want to pay any brokerage fees and proceeded to negotiate down the asking price by $9,000, which made the buyers feel special. A market analysis revealed that the starting price was already about $10,000 too high. And yet, it's going to be sold at the same market price to the buyers whether or not they have an agent paid by the seller. Recently a buyer made an offer on a duplex that was accepted with a counteroffer to increase the earnest money. Both buyer and seller agreed verbally and the only thing lacking was the buyer's signature on that change. In the meantime, the seller sold the duplex to a second buyer to get a higher price and quicker closing. He now has two accepted offers on the same property at the same time. Which party in this potential lawsuit would you like to be? Not all sellers innocently try to save money on real estate commissions. Some choose to "overlook" disclosing pertinent and sometimes legally required information to buyers because doing so might lower the final sales price or prohibit a sale indefinitely because they can't afford to fix a deficiency. How would you protect yourself without the watchful eye of an expert? Agents usually take on quite a bit of risk in marketing your house for sale or driving you around looking at homes to buy. They pay for everything up front and often don't get paid until the day it is recorded, which makes him or her, actually, quite a bargain. On the other hand, you could do it yourself. Ken Jelinek is an associate broker with RE/MAX Properties in Anchorage. He can be reached at 907-257-0196. [an error occurred while processing this directive] © 2004 The Alaska Journal of Commerce and Morris Communications Corp.