8/20/13

What is a Bridging Loan?

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The bridging loan is viewed as a loan-anticipation loan; it is a short-term loan you apply for while waiting for a completion of some long-term permanent funding. The loan principle advantage is the time it takes to mature; you don’t have to wait too long to achieve your desired goal. You can leverage the equity of your current home and/or retirement package to enable you move into your dream home some weeks or months ahead of the mortgage approval.

You may be needed to produce a security by real property or personal assets. These can be either liquid assets, a stash of gold-bars, certificate of deposit and the rest. The lending institution or moneylender can quickly convert them if you default. The home security loan, where your lender uses the equity as security is also another source of bridging financing.

This loan helps a person or a company to meet their necessary obligations with the help of immediate cash flow. The loan is very helpful for those who have small businesses but want some loan to expand. The bridge loan can actually help an individual to start a business or do whatever he/she wanted the loan for before money comes into his/her account. Bridging loan provides some flexibility to the home owners and this loan is really gaining popularity in the modern market because of its time limit.

What You Can Do With Bridging Loan?

Usually people apply for the bridging loan for various reasons, here are some of the things you can do with this kind of loan.

    To raise short term working-capital for business
    For temporary problems in cash flow
    In order to pay some unidentified demands in tax
    To purchase a property at auction
    To construct commercial, residential and industrial units
    To renovate your properties
    Purchasing land

Advantages of Bridge Loans:

Fast Approval of Loans – this loan is approved fast by the banks, they know that you apply for this loan when you are in some financial fix and you need assistance immediately. Usually the minimum time the banks take to approve this loan is 24 hours only.

Short-term Financial Assistance -this loan usually helps to ease short time money drought, it helps in situations where you need to take quick decisions that will give you guarantee of receiving money very fast. Its repayment period always varies from 1-12 months, therefore, if you require immediate cash and you are sure of receiving some money in a short-term then you can go for this loan.

This loan can help you in several ways, it can help you settle you financial issues very fast and save your business from collapsing very fast.

A bridge loan will allow you to apply the net equity of an existing home as the down payment for the new home you want before the equity is realized .The bridging financing can also help you alleviate the timing pressure of moving immediately from your old home to the new home on the closing date.
The bridging loan is viewed as a loan-anticipation loan; it is a short-term loan you apply for while waiting for a completion of some long-term permanent funding. The loan principle advantage is the time it takes to mature; you don’t have to wait too long to achieve your desired goal. You can leverage the equity of your current home and/or retirement package to enable you move into your dream home some weeks or months ahead of the mortgage approval.

You may be needed to produce a security by real property or personal assets. These can be either liquid assets, a stash of gold-bars, certificate of deposit and the rest. The lending institution or moneylender can quickly convert them if you default. The home security loan, where your lender uses the equity as security is also another source of bridging financing.

This loan helps a person or a company to meet their necessary obligations with the help of immediate cash flow. The loan is very helpful for those who have small businesses but want some loan to expand. The bridge loan can actually help an individual to start a business or do whatever he/she wanted the loan for before money comes into his/her account. Bridging loan provides some flexibility to the home owners and this loan is really gaining popularity in the modern market because of its time limit.

What You Can Do With Bridging Loan?

Usually people apply for the bridging loan for various reasons, here are some of the things you can do with this kind of loan.

    To raise short term working-capital for business
    For temporary problems in cash flow
    In order to pay some unidentified demands in tax
    To purchase a property at auction
    To construct commercial, residential and industrial units
    To renovate your properties
    Purchasing land

Advantages of Bridge Loans:

Fast Approval of Loans – this loan is approved fast by the banks, they know that you apply for this loan when you are in some financial fix and you need assistance immediately. Usually the minimum time the banks take to approve this loan is 24 hours only.

Short-term Financial Assistance -this loan usually helps to ease short time money drought, it helps in situations where you need to take quick decisions that will give you guarantee of receiving money very fast. Its repayment period always varies from 1-12 months, therefore, if you require immediate cash and you are sure of receiving some money in a short-term then you can go for this loan.

This loan can help you in several ways, it can help you settle you financial issues very fast and save your business from collapsing very fast.

A bridge loan will allow you to apply the net equity of an existing home as the down payment for the new home you want before the equity is realized .The bridging financing can also help you alleviate the timing pressure of moving immediately from your old home to the new home on the closing date.

8/10/13

Is Buy And Hold A Good Investment Strategy?

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“Buy and Hold” is an investment strategy that deals with the long-term financial market giving positive return rates despite the decline of the market. This strategy also involves the idea that short term marketing influences people to try the “buy and hold” strategy. There has been a lot of debate in the financial industry as to whether or not this strategy is a good one.

Though it has faced a lot of controversy in the past, there is documented historical data that states that the buy and hold strategy actually works when it comes to equities. However, it takes awhile for this process to happen. This approach is very compatible with the stock market, provided you are willing to wait one or two decades for it to happen.

It has been stated that if you use the buy and hold strategy in conjunction with any stocks you own you should expect to end up losing money over the course of a fiscal year. When you are no longer losing money in the deal you will most likely make back roughly 10% of your investment. This will come with a small amount of risk that most people feel is worth it. This applies to a traditional buy and hold portfolio that was created by either a pension fund or an insurance company.

Buy and hold portfolios are usually made up of 40% of bonds and 60% of stocks. This standard investment is offered to any investor that has spent several decades proving their financial worth.

The money gained by participating in the buy and hold strategy can help you supplement your income. It brings in revenue that you would not be getting otherwise. It is easy to accurately predict how much revenue can be generated by using the buy and hold strategy. However, this investment strategy will never net you as much money as you would get by investing in the stock market.

Investors that are close to retirement age, or have already reached it, have preferences for portfolios that offer a greater percentage on the bonds over the typical 60/40 buy and hold investment strategy. This strategy would likely net you 10% in profits throughout the years, but at that point it may no longer fit the financial needs you had when you were younger.

While some financial experts disagree, most feel that buy and hold is a good investment strategy for the right person or the right company. There is a lot of evidence that this can be a very good investment for a large percentage of the population. It appears to be a better investment for younger people than it is for older people because older people are at a different financial place in their life. This type of investment strategy has repeatedly been used in a positive matter by many people. It has made a difference in the lives of a lot of people and it has helped them make investments
This informative article was written and brought to you on behalf of Cambist.
“Buy and Hold” is an investment strategy that deals with the long-term financial market giving positive return rates despite the decline of the market. This strategy also involves the idea that short term marketing influences people to try the “buy and hold” strategy. There has been a lot of debate in the financial industry as to whether or not this strategy is a good one.

Though it has faced a lot of controversy in the past, there is documented historical data that states that the buy and hold strategy actually works when it comes to equities. However, it takes awhile for this process to happen. This approach is very compatible with the stock market, provided you are willing to wait one or two decades for it to happen.

It has been stated that if you use the buy and hold strategy in conjunction with any stocks you own you should expect to end up losing money over the course of a fiscal year. When you are no longer losing money in the deal you will most likely make back roughly 10% of your investment. This will come with a small amount of risk that most people feel is worth it. This applies to a traditional buy and hold portfolio that was created by either a pension fund or an insurance company.

Buy and hold portfolios are usually made up of 40% of bonds and 60% of stocks. This standard investment is offered to any investor that has spent several decades proving their financial worth.

The money gained by participating in the buy and hold strategy can help you supplement your income. It brings in revenue that you would not be getting otherwise. It is easy to accurately predict how much revenue can be generated by using the buy and hold strategy. However, this investment strategy will never net you as much money as you would get by investing in the stock market.

Investors that are close to retirement age, or have already reached it, have preferences for portfolios that offer a greater percentage on the bonds over the typical 60/40 buy and hold investment strategy. This strategy would likely net you 10% in profits throughout the years, but at that point it may no longer fit the financial needs you had when you were younger.

While some financial experts disagree, most feel that buy and hold is a good investment strategy for the right person or the right company. There is a lot of evidence that this can be a very good investment for a large percentage of the population. It appears to be a better investment for younger people than it is for older people because older people are at a different financial place in their life. This type of investment strategy has repeatedly been used in a positive matter by many people. It has made a difference in the lives of a lot of people and it has helped them make investments
This informative article was written and brought to you on behalf of Cambist.
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