Category: Investment

Investment

One less excuse

Andrew Green

Another narrative about the post-pandemic economy wilted by the actual data…
Many corporations and small business owners, while observing their own difficulty in hiring people or getting them to show up for work, pointed to increased federal unemployment benefits as being the prime culprit for their struggles. And understandably so. There was a period of time in 2020 where, for many workers, it just made no sense to…

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Did you miss our previous article…
https://diyinvestorresources.com/?p=150

Investment

Bitcoin is a Limited Supply of Nothing

Andrew Green

5:30pm ET LIVE premiere today – Subscribe for the alert!
Join Downtown Josh Brown and Michael Batnick for another round of What Are Your Thoughts? On this week’s episode, Josh and Michael discuss the biggest topics in investing and finance, including:
►Paulson’s Crypto Take – “I would describe cryptocurrencies as a limited supply of nothing.”
►Retail Investors – Are advisors ready fo…

The post Bitcoin is a Limited Supply of Nothing appeared first on The Reformed Broker.

Did you miss our previous article…
https://diyinvestorresources.com/?p=145

Investment

Types of Mortgage Lenders

Ada Waymire

lendersWhat exactly are Mortgage Lenders? A mortgage company is an entity or individual you turn to when purchasing a residential property. A mortgage agent is an individual or business that provides home loans from many different lenders to customers. Most people turn to mortgage companies when they want a large home loan because of the many other lenders and programs they can find through the agencies. However, some individuals do not even know the names of any of the companies. In this case, they will turn to the internet to research companies.

For the people who have no idea what these mortgage lenders are, let us take a look at some of the major names in the industry. The two most popular companies are Bank of America and Countrywide. Both of these lending institutions are very large and have been in the lending field for over forty years. Although both companies do not have bad credit mortgages, they do tend to give customers lower interest rates than other companies.

Another name you will often hear referred to as mortgage lenders is mortgage brokers. Mortgage brokers do not deal directly with the customer, but instead they find borrowers and work with those borrowers to find them the best loan terms. They can also be referred to as mortgage brokers because they will sometimes act as representatives for a lender, showing the customer the offers and making recommendations to a customer based on their score. These brokers can also sometimes refer customers to mortgage lenders on their own behalf, but they do not have the final say on who will get the loan and whether the client will qualify for it.

Mortgage companies are broken down into two main categories: Government sponsored mortgage lenders and commercial mortgage lenders. The government backed mortgage lenders are made up of the Department of Treasury, the Federal Housing Administration, the Federal Deposit Insurance Corporation, and the Federal Reserve. These companies provide mortgage loans to a wide variety of buyers. Commercial mortgage lenders are banks, credit unions, and non-traditional lenders such as corporate banks and brokers. These companies specialize in providing home loans to small businesses and individuals.

Although there are hundreds of mortgage companies and brokers to choose from, the two main types are FHA or first-time buyers, and Commercial/insured banks. One thing to keep in mind is that not all mortgage companies or brokers offer government-backed loans; in fact, many will not even offer government loans. When choosing a mortgage company or broker, always ask about the lenders guarantee to back up their stated offer. The first-time buyer program is run by the FHA, but there are other mortgage companies that offer government-backed loans, such as GE Capital. There are also banks that offer government-backed loans; however, these banks tend to be much larger and have more government connections and customers.

FHA Home Buying Programs: While FHA does not directly provide home loans, they do help homeowners apply and qualify for them. FHA works with private mortgage lenders that specialize in first-time down payment assistance. As part of their service, FHA insures the mortgage of the buyer and pays the lender if the loan goes into default. To qualify for the service, borrowers need to own or rent a home, and need to have been paying a minimum percentage of their gross income to date. FHA guarantees that mortgage lenders will work with them, and that the mortgage will be repaid if the borrower defaults.

Commercial/insured banks: These mortgage lenders tend to be larger banks or trustworthiness institutions. These banks may not participate in the program. Commercial/insured banks may take a variety of forms, such as lending to consumers, commercial real estate, or businesses. Many of these banks work with third-party commercial mortgage lenders. A few of these types of banks include Trustmark, Bank of America, and Wachovia. Trustmark and Bank of America are often considered to be” suffix banks,” while Wachovia is considered a” prefix bank.”

Broker networks: These mortgage lenders may work directly with customers. They work directly with the borrowers instead of working through a third-party intermediary such as FHA or Trustmark. These companies do not participate in any programs from government or other bodies. These companies include Collateral City, Trustmark Financial and Trustnet.

Investment

The Advantages Of Investing In The Bitcoins

Andrew Green

bitcoin

The number of avenues to gain exposure to virtual currency is increasing. In the last year alone, a number of major financial institutions have taken an interest in this fast-paced new investment option. At the same time, many pseudo-banks have gone publicly public, intending to capture a piece of this expanding niche. While some companies are rapidly buying up so much of Bitcoin, others are still speculative in nature.

 

The popularity of this fast-emerging investment vehicle is not a surprise to those who have been following the story of how digital currencies like bitcoin were conceived and created. As the name suggests, the concept of using the Internet to facilitate the trading of traditional commodities like gold and oil is nothing new. However, what makes the process of trading in this alternative asset different is its unique ability to operate outside of traditional financial institutions. For those who would like to take advantage of its low fees and high liquidity rating, there are some avenues through which they can do so.

 

One of these avenues includes investing in digital wallets. Digital wallets provide a safe, secure way for users to store and safely keep their wealth. Unlike conventional savings accounts and checking accounts, digital currencies can retain their value even after incurring a significant investment amount. Unlike stocks and bonds, there is no need to worry about an investment default or possible redemption. All investments made in these assets are kept segregated in a secure offline facility from the rest of the network. This provides investors with peace of mind.

 

While there are several avenues through which investors can gain exposure to the emerging field of digital currencies, one of the best ways is through investing in a collection of select coins. Investing in a single bitcoin is likely to provide a modest return for the investor. The value of each bitcoin is likely to change significantly in a relatively short period of time. Fortunately, investors have the option of purchasing as many individual bitcoin as they desire. This allows them to diversify their holdings and spread out the risk. As a result, they can continue to benefit from the fluctuations in the price of this virtual currency.

 

Another option available for those interested in putting money into the emerging field of digital currency is to invest in a mining campaign. Unlike typical investment vehicles, investments in a mining campaign carry a low level of risk. In addition, the rate of return on this type of investment is likely to be significantly higher than the value per share (VPS, or the fractional rate basis) that can be derived from investing in standard derivative instruments. It is for these reasons that investors are encouraged to look at these types of investments. Their success is most often tied to the difficulty of finding a profitable strategy.

 

A difficulty encountered by many when it comes to trading on the value per share basis is finding a profitable strategy. In most cases, investors must determine whether the purchase of a particular lot of virtual currency will result in a positive outcome. If not, the venture must then be sold to realize profits. Very few companies that offer mining as an investment endeavor can ascertain which ventures will yield a profit and which will not. Fortunately, this difficulty is often related to the difficulty of determining the precise rate of return that a company will realize over a certain span of time.

 

Many people are mitigating the risk inherent in such investments to purchase a “basket” of bitcoins. They are reducing the risk of losing all of the bitcoins in the specific basket. In most cases, the size of a basket containing a significant number of bitcoins is considerably smaller than the amount of money typically needed to launch a successful investment.

 

Several investment opportunities are associated with bitcoins. These opportunities range from buying and selling digital currency directly through specialized online services to purchasing shares of mining shares directly from professional investors. In all cases, these investments are completed quickly and at a price that is much lower than that of traditional exchanges. The ease of completing these transactions has made them very attractive to a wide range of potential customers. The ease of doing so makes it possible for new investors to receive their initial investment in less time than would otherwise be possible. The appeal of the bitcoins to potential customers has resulted in a surge of new interest among traders and investors in the area of bitcoins as an investment opportunity.