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  • A Word of Warning About Scammers

    Today is March 1, 2024. I have a cousin whom I talk with daily which lives with her husband outside of Columbus Ohio. A few days ago, when we first spoke that day, she explained to me that they were tired. She went on to say the tornado sirens were blasting and that they spent…

  • Learn the Neighborhood Before You Purchase

    In previous post I have advised you to This one may take a little more time and effort: There are secrets about all neighborhoods the time to discover your potential neighborhoods secrets is before you are part of it. Walk through the neighborhood, how do the people treat you and each other. Go to the…

  • More Lessons for First Time Home Owner

    Banks are not your friend, they are a business and they operate as business not as friends. An asset but money into your pocket, whereas a debit removed money from your pockets. Some banks tell people that a home is their biggest asset. It is true that there are many advantages to home ownership, but…

  • Do Your Own Due Diligence & Don’t Shy Away from Down Payments or Continued Negotiations

    Don’t be afraid of putting money down on your first home. Take the time and trouble to crunch the numbers and figure out which numbers work best for your plans. I am not advising you to become house poor. I am saying play with the numbers. Find out what the payments will be with different…

  • Sweet Equity and Dust Can Reduce Your Cost by Thousands

    Few first-time home owners are able to go out and purchase the dream house. Purchasing any home is a big decision, but this is especially so for your first home. Many people still plan on slowly graduating to “better” homes as their growth in the corporate world rises. Some of these have not truly considered…

  • Things First Time Home Buyer’s Should Know

    Prioritize the improtance of Price,Condition,Size and Location This will become a series of blogs. Before going into your agent’s office or meeting with them there are so things which you should have answers for.  If you were to come to me and say I want to buy a home for my family. I’d like to…

  • How to Solve the Problem with a Non- Annual Periods

    (Using the Texas Instrument BAII Plus) The problems we have solved all have annual periods, however in life this rarely is the case. To begin with instead of think of periods as years lets consider them as periods. Periods can be any period of time: day, month quarter or year are the most common. Let’s…

  • The Modified Internal Rate of Return

    Using the IRR has been a much-used tool for evaluating potential investments. This is most likely due to the simplicity of using it. Yet, the IRR has some flaws, the most crucial one being that it assumes the cash flows will be reinvested for the life of the project at the rate which equals the…

  • Obtaining the Net Present Value (NPV)

    Calculating the (NPV), or the Internal Rate of Return (IRR) is about the same to finding the present value of an uneven cash-flow. This is what was covered in Present Value of Uneven Cash-Flow. As you may recall a investment opportunity came your way which was: Let’s say you have the opportunity for an investment…

  • The Future Value of Uneven Cash Flows

    Suppose you wish to find the future value of uneven cash flow not the present value. The Texas Instument BA II plus can be used to achieve this goal but it takes a bit of ingenuity. In order to find the future value of any cash flow is also to find its present value. Once…