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Tag: investing

  • 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…

  • 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…

  • Present Value of Tomorrow’s Lump Sum

    It is useful to be able to calculate the present value of tomorrows’ lump sum because it is used in the process of discounting future cash into present value. As an example, let’s assume you the investor has been offered the opportunity that is projected to provide a $2,552.56 cash in flow at the end…

  • Mutual Funds

    Have you ever wanted to buy stocks or bonds, but decided against because of lack of knowledge or lack of funds? Those two reasons are why many investors have decided to invest in mutual fund offerings. A mutual fund pools the moneys needed from various investors and then it invests in securities such as stocks,…

  • Investment Strategies

    Basically, there are two investment strategies: Long-term and Short-term strategies. We refer to the persons behind these strategies by different names. The person who purchases an investment and hold it for a year or longer is typically referred to as an investor. Those individuals which purchase investments and usually resale them in under a year…