Countercyclical monetary policy in the AS/AD Model involves: A. contractionary monetary policy no matter what the level of unemployment. B. expansionary monetary policy no matter what the level of unemployment. C. contractionary monetary policy during periods of high unemployment and expansionary monetary policy during periods of low unemployment. D. contractionary monetary policy during periods of low unemployment and expansionary monetary policy during periods of high unemployment. If the financial sector transfers too much saving into spending: A. there will be too many real assets produced. B. the supply of real assets will exceed the demand for real assets. C. the economy will experience inflation. D. the economy will experience recession. Expectations of inflation are assumed to change from point to point on a given short run Phillips curve. True False If commercial banks did not extend loans: A. no one could create money. B. only commercial banks could create money. C. only the central bank (the Federal Reserve) could create money. D. both commercial banks and the central bank (the Federal Reserve) could create money.

Countercyclical monetary policy in the AS/AD Model involves: A. contractionary monetary policy no matter what the level of unemployment. B. expansionary monetary policy no matter what the level of unemployment. C. contractionary monetary policy during periods of high unemployment and expansionary monetary policy during periods of low unemployment. D. contractionary monetary policy during periods of low unemployment and expansionary monetary policy during periods of high unemployment. If the financial sector transfers too much saving into spending: A. there will be too many real assets produced. B. the supply of real assets will exceed the demand for real assets. C. the economy will experience inflation. D. the economy will experience recession. Expectations of inflation are assumed to change from point to point on a given short run Phillips curve. True False If commercial banks did not extend loans: A. no one could create money. B. only commercial banks could create money. C. only the central bank (the Federal Reserve) could create money. D. both commercial banks and the central bank (the Federal Reserve) could create money.

Linda Hogan sure took Hulk to the cleaners.. I noticed Hogan doing A LOT of these commercials.. I would like to ask Hogan if those loan shark programs actually work , I would like to have some extra money ..HA HA !! Isn't TNA paying him enough ??? ~LOL~

Linda Hogan sure took Hulk to the cleaners.. I noticed Hogan doing A LOT of these commercials.. I would like to ask Hogan if those loan shark programs actually work , I would like to have some extra money ..HA HA !! Isn't TNA paying him enough ??? ~LOL~

* Virtually everything you look at is broken and unfixable, from both a mathematical and political standpoint. * All democratic welfare states are insolvent and incapable of meeting their obligations. * Sovereign defaults are likely and will likely occur in domino fashion. * Insane economic policies and regulations are making matters worse. * Businesses are not hiring or investing because of the uncertainty that has been imposed on the country. * Wealth, intellect, and corporations will flee this country. * More than half of the states are likely to default on their obligations. * Most major municipalities have pension obligations that will be unable to be met. * Individuals are still over their heads in debt with no hope in sight. * The housing market has farther to go on the downside. Foreclosures will accelerate. * Commercial real estate is a disaster that has not yet hit full force. * Joblessness is not improving and will get worse. * Infrastructure has deteriorated. There are no funds available upgrade it to proper standards. * Private pensions and union pensions are grossly underfunded and likely to become worse when financial markets tank. * The welfare system is unsustainable and has to be dismantled. * Generations have grown accustomed to entitlements and will not take kindly to the necessary reductions and eliminations. * Education has deteriorated to levels such that many graduates are literally unemployable at a minimum wage, or at any wage. * The banking system is insolvent, with many banks unlikely to survive. * Social Security and Medicare are unsustainable programs that will collapse or have benefits so reduced as to make them virtually unrecognizable. * Government guarantees of Fannie, Freddie, FHA, and a host of other programs will likely require $2 trillion-plus to honor at taxpayer expense. * Anything the government touches, it destroys, be it social programs, the post office, Amtrak, education, or (soon to be) the entire credit system, General Motors, student loans, etc. -- and finally, the entire economy. * The FDIC is in a deep hole from which there is no escape other than additional taxpayer bailouts. Are we just playing a shell game at this point and just pretending to be solvent, when we all know we aren't? Typical tripe answers by those who wish to continue to fiddle while Rome burns. Double, guess you are one of those that would like to ignore the problem until it swims up and eats you alive.

* Virtually everything you look at is broken and unfixable, from both a mathematical and political standpoint. * All democratic welfare states are insolvent and incapable of meeting their obligations. * Sovereign defaults are likely and will likely occur in domino fashion. * Insane economic policies and regulations are making matters worse. * Businesses are not hiring or investing because of the uncertainty that has been imposed on the country. * Wealth, intellect, and corporations will flee this country. * More than half of the states are likely to default on their obligations. * Most major municipalities have pension obligations that will be unable to be met. * Individuals are still over their heads in debt with no hope in sight. * The housing market has farther to go on the downside. Foreclosures will accelerate. * Commercial real estate is a disaster that has not yet hit full force. * Joblessness is not improving and will get worse. * Infrastructure has deteriorated. There are no funds available upgrade it to proper standards. * Private pensions and union pensions are grossly underfunded and likely to become worse when financial markets tank. * The welfare system is unsustainable and has to be dismantled. * Generations have grown accustomed to entitlements and will not take kindly to the necessary reductions and eliminations. * Education has deteriorated to levels such that many graduates are literally unemployable at a minimum wage, or at any wage. * The banking system is insolvent, with many banks unlikely to survive. * Social Security and Medicare are unsustainable programs that will collapse or have benefits so reduced as to make them virtually unrecognizable. * Government guarantees of Fannie, Freddie, FHA, and a host of other programs will likely require $2 trillion-plus to honor at taxpayer expense. * Anything the government touches, it destroys, be it social programs, the post office, Amtrak, education, or (soon to be) the entire credit system, General Motors, student loans, etc. -- and finally, the entire economy. * The FDIC is in a deep hole from which there is no escape other than additional taxpayer bailouts. Are we just playing a shell game at this point and just pretending to be solvent, when we all know we aren't? Typical tripe answers by those who wish to continue to fiddle while Rome burns. Double, guess you are one of those that would like to ignore the problem until it swims up and eats you alive.

wat is ur opinion about taking a commercial pilot license.will i get a good job after doing that?i'm totally confused help me guys..i'm taking a loan of rs 25lakhs so i'm afraid any false move will cause great loss help meeee course duration is 1 and half years place i'm selecting is usa

wat is ur opinion about taking a commercial pilot license.will i get a good job after doing that?i'm totally confused help me guys..i'm taking a loan of rs 25lakhs so i'm afraid any false move will cause great loss help meeee course duration is 1 and half years place i'm selecting is usa

Searching for a bank that will give a loan to purchase a commercial building. Will use the income from building for mortgage

Searching for a bank that will give a loan to purchase a commercial building. Will use the income from building for mortgage

A.) According to some economists, the crisis with savings and loans was in part caused by a lack of enforcement of government regulation of these institutions. B.) The federal reserve is responsible for guaranteeing the deposits of commercial banks. C.) According to some economists, the crisis with savings and loans was in part caused by too much government guaranteeing the depositor's funds. D.) The main problem with deposit insurance is that it reduces the incentive for individuals to worry about whether their financial institution are financially sound.

A.) According to some economists, the crisis with savings and loans was in part caused by a lack of enforcement of government regulation of these institutions. B.) The federal reserve is responsible for guaranteeing the deposits of commercial banks. C.) According to some economists, the crisis with savings and loans was in part caused by too much government guaranteeing the depositor's funds. D.) The main problem with deposit insurance is that it reduces the incentive for individuals to worry about whether their financial institution are financially sound.

or private lender. I want more than anything to become an EMS Helicopter Pilot, but I do not have enough money or the circumstances to get a loan or scholarship. I would love it if some people could help me find free investor or lender sites that pair lender with "entrepreneur" or hopefully more specific like college-money-needer. It is 25,000 (south africa) to 70000 dollars for commercial helicopter pilot license... I would pay interest in the area of $20,000 THANKYOUGUYSVERYMUCH

or private lender. I want more than anything to become an EMS Helicopter Pilot, but I do not have enough money or the circumstances to get a loan or scholarship. I would love it if some people could help me find free investor or lender sites that pair lender with "entrepreneur" or hopefully more specific like college-money-needer. It is 25,000 (south africa) to 70000 dollars for commercial helicopter pilot license... I would pay interest in the area of $20,000 THANKYOUGUYSVERYMUCH

A commercial bank has checkable-deposit liabilities of $500,000, reserves of $150,000, and a required reserve ratio of 20 percent. The amount by which a single commercial bank and the amount by which the banking system can increase loans are respectively: A) $30,000 and $150,000 B) $50,000 and $250,000 C) $50,000 and $500,000 D) $100,000 and $500,000 A bank has excess reserves of $5,000 and deposit liabilities of $50,000 when the required reserve ratio is 20 percent. If the reserve ratio is raised to 25 percent, this bank can lend a maximum of: A) $1,000 B) $1,500 C) $2,000 D) $2,500 A depositor places $10,000 in cash in a commercial bank, and the reserve ratio is 10 percent. The bank sends the $10,000 to its Federal Reserve Bank. As a result, the actual reserves, the required reserves, and excess reserves of the bank have been increased, respectively, by: A) $10,000, $9000, and $1000 B) $10,000, $500, and $4500 C) $10,000, $1000, and $9000 D) $1000, $10,000, and $9000 Assets Liabilities and Net Worth Stock Shares 400 Reserves 40 Property 300 Securities 160 Loans 80 Demand Deposits 180 Refer to the above data. This bank has assets of: A) $340 million B) $440 million C) $520 million D) $580 million Using the same data, if the required reserve ratio is 10 percent, the bank has excess reserves of: A) $28,000 B) $22,000 C) $18,000 D) $16,000

A commercial bank has checkable-deposit liabilities of $500,000, reserves of $150,000, and a required reserve ratio of 20 percent. The amount by which a single commercial bank and the amount by which the banking system can increase loans are respectively: A) $30,000 and $150,000 B) $50,000 and $250,000 C) $50,000 and $500,000 D) $100,000 and $500,000 A bank has excess reserves of $5,000 and deposit liabilities of $50,000 when the required reserve ratio is 20 percent. If the reserve ratio is raised to 25 percent, this bank can lend a maximum of: A) $1,000 B) $1,500 C) $2,000 D) $2,500 A depositor places $10,000 in cash in a commercial bank, and the reserve ratio is 10 percent. The bank sends the $10,000 to its Federal Reserve Bank. As a result, the actual reserves, the required reserves, and excess reserves of the bank have been increased, respectively, by: A) $10,000, $9000, and $1000 B) $10,000, $500, and $4500 C) $10,000, $1000, and $9000 D) $1000, $10,000, and $9000 Assets Liabilities and Net Worth Stock Shares 400 Reserves 40 Property 300 Securities 160 Loans 80 Demand Deposits 180 Refer to the above data. This bank has assets of: A) $340 million B) $440 million C) $520 million D) $580 million Using the same data, if the required reserve ratio is 10 percent, the bank has excess reserves of: A) $28,000 B) $22,000 C) $18,000 D) $16,000

I'm in college right now, but this job interests me as a potential career. Are there job opportunities in it though? I know a lot of banks got hammered and are reluctant to give out loans....

I'm in college right now, but this job interests me as a potential career. Are there job opportunities in it though? I know a lot of banks got hammered and are reluctant to give out loans....

We are a year and a few months out from ending the lease, but business is really really bad. I had a meeting with the landlords, but they wont give me a direct decision, they just kept asking if I was going bankrupt. In which I sad no, I dont need to, I want to get out before I have to. I have zero loans out. We are going to meet again in a few days. Any suggestions? Dr. Do: Heh, ya! That i truly what I need. No doubt.

We are a year and a few months out from ending the lease, but business is really really bad. I had a meeting with the landlords, but they wont give me a direct decision, they just kept asking if I was going bankrupt. In which I sad no, I dont need to, I want to get out before I have to. I have zero loans out. We are going to meet again in a few days. Any suggestions? Dr. Do: Heh, ya! That i truly what I need. No doubt.

My fiance and I are trying to get a commercial loan for a rental property. He has a credit score of about 680, and I have a score of 554, what are our chances of getting this loan? I have the worst score, but I make the most money.

My fiance and I are trying to get a commercial loan for a rental property. He has a credit score of about 680, and I have a score of 554, what are our chances of getting this loan? I have the worst score, but I make the most money.

1. the legal reserve ratio applies to checkable deposits at a. national banks b. credit unions c. savings and loans d. institutions of all of these type 2. which of the following are all assets to a commercial bank a.vault cash,property, and stock shares b. vault cash, stock shares, and demand deposits c. demand deposits, stock shares, and reserves d. vault cash, property, and reserves 3. banks create money when they a. accept deposits of cash b. add to their reserves in the federal reserve bank c. exchange checkable deposits for the IOU's of businesses and individuals d. sell government bonds 4. in a fractional reserve banking system a. bank panics cannot occur b. banks can create money through the lending process c. the federal reserve has no control over the amount of the money in circulation d. the monetary system must be backed by gold

1. the legal reserve ratio applies to checkable deposits at a. national banks b. credit unions c. savings and loans d. institutions of all of these type 2. which of the following are all assets to a commercial bank a.vault cash,property, and stock shares b. vault cash, stock shares, and demand deposits c. demand deposits, stock shares, and reserves d. vault cash, property, and reserves 3. banks create money when they a. accept deposits of cash b. add to their reserves in the federal reserve bank c. exchange checkable deposits for the IOU's of businesses and individuals d. sell government bonds 4. in a fractional reserve banking system a. bank panics cannot occur b. banks can create money through the lending process c. the federal reserve has no control over the amount of the money in circulation d. the monetary system must be backed by gold

Or ar they the same thing?

Or ar they the same thing?

I am not sure if it is saying the owner owns the majority except for so and so piece of property which is a joint venture with a bank??? Well I know banks aren't in the real estate business which is why this part doesn't make sense to me. Is it because someone else had bought a certain plot from the owner with a loan and it got reposessed or what? Please help me clarify as I am interested in the piece of land that it is saying (I think) that the bank owns. This is the ad: +/- 27.29 Acres of Land Owner Financing / Joint Venture Opportunity Bank owned property +/- 1780 Linear Feet of Frontage on I-10 +/- 750 Linear Feet of Frontage on N Caldwell St Thank you for your feedback!

I am not sure if it is saying the owner owns the majority except for so and so piece of property which is a joint venture with a bank??? Well I know banks aren't in the real estate business which is why this part doesn't make sense to me. Is it because someone else had bought a certain plot from the owner with a loan and it got reposessed or what? Please help me clarify as I am interested in the piece of land that it is saying (I think) that the bank owns. This is the ad: +/- 27.29 Acres of Land Owner Financing / Joint Venture Opportunity Bank owned property +/- 1780 Linear Feet of Frontage on I-10 +/- 750 Linear Feet of Frontage on N Caldwell St Thank you for your feedback!

I have priced a couple of places and the cheapest I found was for like $1650. I need my car fixed ASAP but cannot come up with this amount in one shot. I've seen a lot of commercials where they say you can get a "fast cash pay day loan"! I've never tried this before so I'm not sure how much can I get? How and how much do I repay them back? How often? and is it even worth it. If not, does anyone now a quick cheap fix for a transmission? Or, has anyone ever tried these type of loans, and if so, was it worth it? Do you recommend it?

I have priced a couple of places and the cheapest I found was for like $1650. I need my car fixed ASAP but cannot come up with this amount in one shot. I've seen a lot of commercials where they say you can get a "fast cash pay day loan"! I've never tried this before so I'm not sure how much can I get? How and how much do I repay them back? How often? and is it even worth it. If not, does anyone now a quick cheap fix for a transmission? Or, has anyone ever tried these type of loans, and if so, was it worth it? Do you recommend it?

Most of my student loans are private and borrowed from commercial banks. Only a few of my loans were borrowed from Federal Student Loans. I'm actually concerned with the private student loans borrowed from the commercial banks.I have no problems with my Federal Student Loans as they are reasonable and they really work with graduates to be able to afford payments on loans. I would be working as an Independent Contractor with my SMLLC. Or should I start a regular LLC to better protect my income earned through my business/work?

Most of my student loans are private and borrowed from commercial banks. Only a few of my loans were borrowed from Federal Student Loans. I'm actually concerned with the private student loans borrowed from the commercial banks.I have no problems with my Federal Student Loans as they are reasonable and they really work with graduates to be able to afford payments on loans. I would be working as an Independent Contractor with my SMLLC. Or should I start a regular LLC to better protect my income earned through my business/work?

If not can you guys with some experience tell me what the maximum loan amount I could get is. Thanks

If not can you guys with some experience tell me what the maximum loan amount I could get is. Thanks

What are the basic functions of commercial banks ?? i have written some: 1.acceptance of deposits by customers 2.advancing of loans (providing loans to people) 3.they provide a convenient privilegeeage of cheque system 4.credit creation 5.financing internal and external trade 6.purchase and sale of foreign currency 7.providing the facility of internet banking plz tell some more..

What are the basic functions of commercial banks ?? i have written some: 1.acceptance of deposits by customers 2.advancing of loans (providing loans to people) 3.they provide a convenient privilegeeage of cheque system 4.credit creation 5.financing internal and external trade 6.purchase and sale of foreign currency 7.providing the facility of internet banking plz tell some more..

Role of commercial banks in financing internal and external trade: plz tell whether the links and the material is correct or not if u can suggest some more,i will be thankful to you i have written this much : The commercial banks finance the internal as well as external trade through discounting of exchange bill.Moreover,the banks provide short term loans to the traders on the security of commercial papers.In fact,the discounting business greatly faciltitates the internal and external trade of the country. the links i found were: http://www.answers.com/topic/bill-of-exchange http://www.aibtradefinance.com/tf/frontBOEPage3.asp are these the appropriate links ?? if not,will u plz suggest some.. its a 1 page report. Thanks..!! :)

Role of commercial banks in financing internal and external trade: plz tell whether the links and the material is correct or not if u can suggest some more,i will be thankful to you i have written this much : The commercial banks finance the internal as well as external trade through discounting of exchange bill.Moreover,the banks provide short term loans to the traders on the security of commercial papers.In fact,the discounting business greatly faciltitates the internal and external trade of the country. the links i found were: http://www.answers.com/topic/bill-of-exchange http://www.aibtradefinance.com/tf/frontBOEPage3.asp are these the appropriate links ?? if not,will u plz suggest some.. its a 1 page report. Thanks..!! :)

I am currently 20 years old with close to perfect credit, and currently hold a private pilot certificate for helicopters, and I want to get my commercial license. I obtained a loan from Sallie Mae to get the current license I hold from an non accredited flight school, and now I need more money to get to my next license and Sallie Mae will not give it out! So now I'm repaying a loan with schooling I cant work with! (for those of you who don't know, you need a commercial pilot license to be employed.)

I am currently 20 years old with close to perfect credit, and currently hold a private pilot certificate for helicopters, and I want to get my commercial license. I obtained a loan from Sallie Mae to get the current license I hold from an non accredited flight school, and now I need more money to get to my next license and Sallie Mae will not give it out! So now I'm repaying a loan with schooling I cant work with! (for those of you who don't know, you need a commercial pilot license to be employed.)

Report: Mets Financial Troubles Mounting The New York Post is reporting that the Wilpon family’s financial situation is so precarious that they cannot add payroll through trades. The report states that adding a front line starting pitcher is the least of their problems. Their debt load is so heavy and attendance is down so much this season that if the trend continues for a season or two, they may be forced to sell the team. It was almost one year ago that I wrote about the Madoff mess causing talk of the Mets being forced to sell the team. Now those rumors are back. You never really know exactly what the financial situation of the team is. But it’s not a good sign when the rumors of trouble are consistent and persistent. The key points of the NY Post article are: * The team has nearly $700 million in debt * The Mets are losing about $10 million/year including depreciation and interest payments on the debt * Attendance is down 19% from 2009 and down 35% from 2008 * SNY is profitable but is leveraged to roughly six times it’s earnings before interest * The Wilpon family refinanced about $375 million in loans and kept $75 million for themselves The article has a little bit of information about the family’s investments in commercial real estate which has been in a down market for three years now. It doesn’t help that the Mets’ fortunes have been down for three years now either. And it won’t be easy to recover. The article states that one of the debt covenants prevents the team from increasing payroll. Taking on Roy Oswalt or Cliff Lee would be great this month. But the Mets can’t expect the Astros or Mariners to take back equal or more salary. We may be stuck with the pitching staff as it stands now. Maybe John Maine or Oliver Perez will come back and start doing what seems unlikely to most of us. If not, we could be speculating on who will be buying the Mets in a couple of years. Hopefully, it won’t get to the point that the Rangers have this season.

Report: Mets Financial Troubles Mounting The New York Post is reporting that the Wilpon family’s financial situation is so precarious that they cannot add payroll through trades. The report states that adding a front line starting pitcher is the least of their problems. Their debt load is so heavy and attendance is down so much this season that if the trend continues for a season or two, they may be forced to sell the team. It was almost one year ago that I wrote about the Madoff mess causing talk of the Mets being forced to sell the team. Now those rumors are back. You never really know exactly what the financial situation of the team is. But it’s not a good sign when the rumors of trouble are consistent and persistent. The key points of the NY Post article are: * The team has nearly $700 million in debt * The Mets are losing about $10 million/year including depreciation and interest payments on the debt * Attendance is down 19% from 2009 and down 35% from 2008 * SNY is profitable but is leveraged to roughly six times it’s earnings before interest * The Wilpon family refinanced about $375 million in loans and kept $75 million for themselves The article has a little bit of information about the family’s investments in commercial real estate which has been in a down market for three years now. It doesn’t help that the Mets’ fortunes have been down for three years now either. And it won’t be easy to recover. The article states that one of the debt covenants prevents the team from increasing payroll. Taking on Roy Oswalt or Cliff Lee would be great this month. But the Mets can’t expect the Astros or Mariners to take back equal or more salary. We may be stuck with the pitching staff as it stands now. Maybe John Maine or Oliver Perez will come back and start doing what seems unlikely to most of us. If not, we could be speculating on who will be buying the Mets in a couple of years. Hopefully, it won’t get to the point that the Rangers have this season.

I borrowed money from a relative to buy the building my business was renting. Do I show the loan as Income? How do I show the closing cost?

I borrowed money from a relative to buy the building my business was renting. Do I show the loan as Income? How do I show the closing cost?

I am preparing a project on the primary or banking functions of commercial (but nationalised) banks.. such as: acceptance of deposits,advancing of loans,etc. can uplz provide with some link to this.. but it should be detailed information its a 30-pages project..

I am preparing a project on the primary or banking functions of commercial (but nationalised) banks.. such as: acceptance of deposits,advancing of loans,etc. can uplz provide with some link to this.. but it should be detailed information its a 30-pages project..

On the balance sheet we had a commercial loan (30,000). The funds came in and we were able to pay that down. How, in quick books do we record the transaction? How does the disappear as a liability on the balance sheet, but also show as an expense on the P&L? Thanks

On the balance sheet we had a commercial loan (30,000). The funds came in and we were able to pay that down. How, in quick books do we record the transaction? How does the disappear as a liability on the balance sheet, but also show as an expense on the P&L? Thanks

P. owns property on which he wished to build a commercial building. P. entered into a loan agreement with D. to provide finances to support construction. The loan agreement did not specify amount of monthly payments or interest rate. At the urging of D., P. tore down valuable revenue generating existing properties on the land to clear the way for the new construction. D., however, did not come up with the finances, so P. sued for breach of contract, Issue: Was there an express contract between P. and D.?

P. owns property on which he wished to build a commercial building. P. entered into a loan agreement with D. to provide finances to support construction. The loan agreement did not specify amount of monthly payments or interest rate. At the urging of D., P. tore down valuable revenue generating existing properties on the land to clear the way for the new construction. D., however, did not come up with the finances, so P. sued for breach of contract, Issue: Was there an express contract between P. and D.?

can any one plaese tell me the procedure to become commercial pilot , loans given by banks and what is the eligible criteria plzzz.....

can any one plaese tell me the procedure to become commercial pilot , loans given by banks and what is the eligible criteria plzzz.....

I'm going to apply for a student loan soon as I cannot afford it out of my pocket. I'm not a US citizen or a permanent resident but on work visa so I have a co-signer. My co-signer has a really strong credit background but I have fair credit score. Now, my question is, what are my chances of getting approved? will the creditors look at bad vs good and could deny it cuz of the balances on my accounts or approve it cuz of my co-signers good history? - PLZ answer my questions and not send me commercials/advertisments or loan offers.

I'm going to apply for a student loan soon as I cannot afford it out of my pocket. I'm not a US citizen or a permanent resident but on work visa so I have a co-signer. My co-signer has a really strong credit background but I have fair credit score. Now, my question is, what are my chances of getting approved? will the creditors look at bad vs good and could deny it cuz of the balances on my accounts or approve it cuz of my co-signers good history? - PLZ answer my questions and not send me commercials/advertisments or loan offers.

I am 22 year old. Finished my university degree in commercial advertising last year. I've been working under the wing of professional photographer for the past four years, shooting mainly weddings and schools. Learned...training on the job. Right now, I live in Puerto Rico. Low income family. I would like to get formal education in photography to become a pro commercial photographer. I need advice on how can I achieve my goal without getting a big debt in student loans. What are the best universities or schools to get the technical knowledge for commercial photography? Can I reach my goal looking for internship with commercial photographers? Will be very grateful for help, guidance or advice on this matter.

I am 22 year old. Finished my university degree in commercial advertising last year. I've been working under the wing of professional photographer for the past four years, shooting mainly weddings and schools. Learned...training on the job. Right now, I live in Puerto Rico. Low income family. I would like to get formal education in photography to become a pro commercial photographer. I need advice on how can I achieve my goal without getting a big debt in student loans. What are the best universities or schools to get the technical knowledge for commercial photography? Can I reach my goal looking for internship with commercial photographers? Will be very grateful for help, guidance or advice on this matter.

I went to college for a year in 2008 at Lock Haven University for Mass Communications, and I absolutely hated it. Not only did I realize Journalism wasn't what I wanted to do for the rest of my life, I also hated the fact that I had to waste money and time on classes that I had no use for; Algebra, Geometry, European World History...I spent kindergarten though senior year of high school learning all of those things. I've decided on a major--Film Production. I'd love to eventually direct, or even write screenplays or commercials. But I want to go somewhere that concentrates on my major--not wastes my time with things I've already learned and will not need to heavily utilize in a real life job related to my major. I live near LHU, and I'd really like to stay in Pennsylvania for college. Even New Jersey, New York, or Maryland wouldn't be too bad. And cost is an issue, unless I can get major grants and loans. I'm not all that concerned about the cost in the long run, because I know it will be worth it. But I can't afford a huge monthly payment right now. Any suggestions? Wow. Bitterness about your own job? First of all, there are all different kinds of things you can do with a degree in video production. I'm not stupid enough to believe I'm going to be the next Diablo Cody, but I do have ambition and I know video production is something I'm good at. And film isn't the only media that exists for video production. And you might have used your parent's money to fund your college career (if you even went), but I'm actually an adult and can take care of myself, thanks.

I went to college for a year in 2008 at Lock Haven University for Mass Communications, and I absolutely hated it. Not only did I realize Journalism wasn't what I wanted to do for the rest of my life, I also hated the fact that I had to waste money and time on classes that I had no use for; Algebra, Geometry, European World History...I spent kindergarten though senior year of high school learning all of those things. I've decided on a major--Film Production. I'd love to eventually direct, or even write screenplays or commercials. But I want to go somewhere that concentrates on my major--not wastes my time with things I've already learned and will not need to heavily utilize in a real life job related to my major. I live near LHU, and I'd really like to stay in Pennsylvania for college. Even New Jersey, New York, or Maryland wouldn't be too bad. And cost is an issue, unless I can get major grants and loans. I'm not all that concerned about the cost in the long run, because I know it will be worth it. But I can't afford a huge monthly payment right now. Any suggestions? Wow. Bitterness about your own job? First of all, there are all different kinds of things you can do with a degree in video production. I'm not stupid enough to believe I'm going to be the next Diablo Cody, but I do have ambition and I know video production is something I'm good at. And film isn't the only media that exists for video production. And you might have used your parent's money to fund your college career (if you even went), but I'm actually an adult and can take care of myself, thanks.

I live in Oregon and hope to attend Helicopter training school. The fee for training for commercial pilots is about $27k. I make a little less than that a year. I am having trouble locating loans or grants for this. Any help is greatly apreciated.

I live in Oregon and hope to attend Helicopter training school. The fee for training for commercial pilots is about $27k. I make a little less than that a year. I am having trouble locating loans or grants for this. Any help is greatly apreciated.

* Please only serious answers from people with creditable facts. O.k, so I went to a college, ITT Tech, and got the multimedia degree(Website, TV commercial and animation). Since I have graduated, I have had ZERO(0) jobs respond to my resumes, putting aside all the job "Woes," and "poor me" stuff, I know have $40,000 in student loans and so far not even wal-mart will hire me, I have been unemployed for a little over a year and in that time not a single job offer or call back or anything. So I have been paying my student loans up until this point, but now my unemployment has run out and I am still without a job and searching even harder than before. I have already had a couple of deferments on a couple of my loans(yes a couple, 3 through Sallie Mae/Dep of ED and Wells Fargo), now I have no money for rent, electricity not to mention my student loans. Overall this is a crummy situation, My first question is: what can I do about all of this debt for the student loans. 1.A couple of facts for the question: It has been more than 6 months for grace period since I graduated. 2.I am married with children. 3.used up unemployment and emergency unemployment.(original unemployment and the little extra) 4.Have no job, no response to resumes, no call backs. 5. Have applied for everything from what my degree is in to fast food jobs. 6. have no proof of unemployment to send loan offices, before I sent my unemployment papers to prove I was unemployed. So, What should I do in this situation, and please no answers like "McDonalds" or "Burger King", sadly I have already applied there. My next question is this, When I was going to college I learned almost nothing. My wife said she heard somewhere that you can file a claim that will help with the student loans if I can prove I learned nothing at college. Well, I would think I learned nothing seeing how half of my teachers there where fired because they received horrible reviews and the other half did as little as possible so that we could all pass. If you don't believe me I could go on and on about how one teacher kept showing us movies like Kung Fu Panda because it was for studying the animation(that was the whole class one day) and another teacher was literally not understandable, He was from Nigeria, but because he had even a little experience in a animation program, and no one else wanted to teach the program, he remained the teacher of the class after multiple students complained about him. I can go on and on about how bad this school is, but I will simply say, the school was a scam and I paid $40,000 for classes that I ended up teaching myself after I graduated. I can honestly say now that I deserve my degree in MultiMedia, but not because of the college I went to but because of the extensive research and self teaching I put myself through. I feel justified in saying I was ripped of by ITT Tech, is there any way to claim I did not receive a proper education and get some sort of compensation or refund??? Thank you very much for attempting to answer this question.

* Please only serious answers from people with creditable facts. O.k, so I went to a college, ITT Tech, and got the multimedia degree(Website, TV commercial and animation). Since I have graduated, I have had ZERO(0) jobs respond to my resumes, putting aside all the job "Woes," and "poor me" stuff, I know have $40,000 in student loans and so far not even wal-mart will hire me, I have been unemployed for a little over a year and in that time not a single job offer or call back or anything. So I have been paying my student loans up until this point, but now my unemployment has run out and I am still without a job and searching even harder than before. I have already had a couple of deferments on a couple of my loans(yes a couple, 3 through Sallie Mae/Dep of ED and Wells Fargo), now I have no money for rent, electricity not to mention my student loans. Overall this is a crummy situation, My first question is: what can I do about all of this debt for the student loans. 1.A couple of facts for the question: It has been more than 6 months for grace period since I graduated. 2.I am married with children. 3.used up unemployment and emergency unemployment.(original unemployment and the little extra) 4.Have no job, no response to resumes, no call backs. 5. Have applied for everything from what my degree is in to fast food jobs. 6. have no proof of unemployment to send loan offices, before I sent my unemployment papers to prove I was unemployed. So, What should I do in this situation, and please no answers like "McDonalds" or "Burger King", sadly I have already applied there. My next question is this, When I was going to college I learned almost nothing. My wife said she heard somewhere that you can file a claim that will help with the student loans if I can prove I learned nothing at college. Well, I would think I learned nothing seeing how half of my teachers there where fired because they received horrible reviews and the other half did as little as possible so that we could all pass. If you don't believe me I could go on and on about how one teacher kept showing us movies like Kung Fu Panda because it was for studying the animation(that was the whole class one day) and another teacher was literally not understandable, He was from Nigeria, but because he had even a little experience in a animation program, and no one else wanted to teach the program, he remained the teacher of the class after multiple students complained about him. I can go on and on about how bad this school is, but I will simply say, the school was a scam and I paid $40,000 for classes that I ended up teaching myself after I graduated. I can honestly say now that I deserve my degree in MultiMedia, but not because of the college I went to but because of the extensive research and self teaching I put myself through. I feel justified in saying I was ripped of by ITT Tech, is there any way to claim I did not receive a proper education and get some sort of compensation or refund??? Thank you very much for attempting to answer this question.

To oversight big bank in order to protect consumers from being charged humongous charges on their credit cards/loans etc and also making it harder for anyone with bad credit to get a loan from a commercial bank So the question is do you welcome this consumer protection agency or do you think its useless

To oversight big bank in order to protect consumers from being charged humongous charges on their credit cards/loans etc and also making it harder for anyone with bad credit to get a loan from a commercial bank So the question is do you welcome this consumer protection agency or do you think its useless

I live in washington state where i saw the commercial. I remember "sky" as part of the website. please help.

I live in washington state where i saw the commercial. I remember "sky" as part of the website. please help.

Under the guaranty concept, commercial lenders make and administer the loans. The business applies to a lender for their financing. The lender decides if they will make the loan internally or if the application has some weaknesses which, in their opinion, will require an SBA guaranty if the loan is to be made. The guaranty which SBA provides is only available to the lender. It assures the lender that in the event the borrower does not repay their obligation and a payment default occurs, the Government will reimburse the lender for its loss, up to the percentage of SBA's guaranty. Under this program, the borrower remains obligated for the full amount due. --What is meant by this (in lay terms)?

Under the guaranty concept, commercial lenders make and administer the loans. The business applies to a lender for their financing. The lender decides if they will make the loan internally or if the application has some weaknesses which, in their opinion, will require an SBA guaranty if the loan is to be made. The guaranty which SBA provides is only available to the lender. It assures the lender that in the event the borrower does not repay their obligation and a payment default occurs, the Government will reimburse the lender for its loss, up to the percentage of SBA's guaranty. Under this program, the borrower remains obligated for the full amount due. --What is meant by this (in lay terms)?

a) My mortgage company offered to do the Obama modification program. b) They filled out an app and said I was pre-approved c) the guidelines state that until I get the final approval foreclosure proceedings stop. I qualify for all the guidelines - income, home value depreciating (for example the mortgage is higher than the value so it's almost like I'm doing them a favor to stay otherwise they wouldn't approve it) d) they NEVER sent me paperwork about it even though I have recorded phone conversations telling me they would, telling me I was pre-approved, recorded conversations of them taking my app and everything. e) They never told me my new payment amount, just that I should wait for my info to be underwritten f) next thing I know I get a letter from an investor saying since my home is in foreclosure would I like to speak to him about it g) I call them up saying wtf, am I really in foreclosure, and the 3rd person I speak to finally admits that I am and 10 days later sends me the notice. Supposedly I missed the first modification payment which they never informed me of and which is almost 1,000 higher than my current payment which doesn't make sense. h) they are ignoring all my attempts to work something out. They totally mislead me, lied to me and I filed a complaint with the treasury they're not giving me a copy of the lender's response but one of the lady's on the phone secretly told me that part of their response states that they have no documentations on their end to dispute my claims - ex. they didn't save the recorded calls they say are recorded. They have no paper showing me that I had any payment due - I had no idea about it until they put me in foreclosure and verbally told me on the phone I had missed an imaginary payment. My sale date was supposed to be 2 weeks ago, I postponed it for a few weeks more. I wouldn't mind going to the same exact terms before this hoopla started. NOw I owe tens of thousands to catch up in the course of 8 months. My 30 year fixed loan was FIXED at the time I signed it and without me seeing any paperwork or agreeing to anything they have 'modified" it to $900 more/month. It is such a joke I am losing sleep getting very ill over all this. They are a very large bank so I don't know if it'll be a lost cause fighting them. I feel taken advantage of, my perfect credit now has a foreclosure on it, all my equity is going away, I had remodeled the whole place brand new condition last year. I am so upset I can't believe this is happening it's like a bad dream. I wish i never watched those commercials Obama was on non-stop saying to apply for a modification to lower your payments. I believed in it, got suckered in and now they are taking my house away through shady dealings I have all on tape from my conversations. I can only afford $5,000 in legal fees at the most - do you think any lawyer would give any good result and put time in for that much? Do you think I even have a case? I don't want to roll over and give up if I have a chance. I can't believe this is happening and I think the treasury department are bought off and in the pockets of this bank from my dealings with them over the past several months (I am convinced of this).

a) My mortgage company offered to do the Obama modification program. b) They filled out an app and said I was pre-approved c) the guidelines state that until I get the final approval foreclosure proceedings stop. I qualify for all the guidelines - income, home value depreciating (for example the mortgage is higher than the value so it's almost like I'm doing them a favor to stay otherwise they wouldn't approve it) d) they NEVER sent me paperwork about it even though I have recorded phone conversations telling me they would, telling me I was pre-approved, recorded conversations of them taking my app and everything. e) They never told me my new payment amount, just that I should wait for my info to be underwritten f) next thing I know I get a letter from an investor saying since my home is in foreclosure would I like to speak to him about it g) I call them up saying wtf, am I really in foreclosure, and the 3rd person I speak to finally admits that I am and 10 days later sends me the notice. Supposedly I missed the first modification payment which they never informed me of and which is almost 1,000 higher than my current payment which doesn't make sense. h) they are ignoring all my attempts to work something out. They totally mislead me, lied to me and I filed a complaint with the treasury they're not giving me a copy of the lender's response but one of the lady's on the phone secretly told me that part of their response states that they have no documentations on their end to dispute my claims - ex. they didn't save the recorded calls they say are recorded. They have no paper showing me that I had any payment due - I had no idea about it until they put me in foreclosure and verbally told me on the phone I had missed an imaginary payment. My sale date was supposed to be 2 weeks ago, I postponed it for a few weeks more. I wouldn't mind going to the same exact terms before this hoopla started. NOw I owe tens of thousands to catch up in the course of 8 months. My 30 year fixed loan was FIXED at the time I signed it and without me seeing any paperwork or agreeing to anything they have 'modified" it to $900 more/month. It is such a joke I am losing sleep getting very ill over all this. They are a very large bank so I don't know if it'll be a lost cause fighting them. I feel taken advantage of, my perfect credit now has a foreclosure on it, all my equity is going away, I had remodeled the whole place brand new condition last year. I am so upset I can't believe this is happening it's like a bad dream. I wish i never watched those commercials Obama was on non-stop saying to apply for a modification to lower your payments. I believed in it, got suckered in and now they are taking my house away through shady dealings I have all on tape from my conversations. I can only afford $5,000 in legal fees at the most - do you think any lawyer would give any good result and put time in for that much? Do you think I even have a case? I don't want to roll over and give up if I have a chance. I can't believe this is happening and I think the treasury department are bought off and in the pockets of this bank from my dealings with them over the past several months (I am convinced of this).

you see colleges like University of Phoenix, and all the other crap colleges that people attend to in commercials, and they charge them hell in college loans by getting accredited and using the federal education system. It is easy for government to abolish them/cancel their accredition and take over the college system the same way they do to the banking system. Do you agree? has anyone seen the documentary called College Inc. because they charge students who have no idea they can't pay back the loan and can't find a job even after graduation from so-called accredited colleges. IF it's gonna make revenue, it's better off for the government to make it so they can lower the taxes for others.

you see colleges like University of Phoenix, and all the other crap colleges that people attend to in commercials, and they charge them hell in college loans by getting accredited and using the federal education system. It is easy for government to abolish them/cancel their accredition and take over the college system the same way they do to the banking system. Do you agree? has anyone seen the documentary called College Inc. because they charge students who have no idea they can't pay back the loan and can't find a job even after graduation from so-called accredited colleges. IF it's gonna make revenue, it's better off for the government to make it so they can lower the taxes for others.

I am trying to find a lender who will loan 500,000 for a building, appraised at 3,000,000. We are looking for a real loan not hard money. The problem is we are a new corporation...any suggestions?

I am trying to find a lender who will loan 500,000 for a building, appraised at 3,000,000. We are looking for a real loan not hard money. The problem is we are a new corporation...any suggestions?

Lets assume I want to get into the business of buying and leasing commercial real estate. Can I just start an LLC or Incorporation, identify a property (ie: Office Complex for $500,000), then go to the Bank and say, My XYZ Corporation needs a loan to purchase a $500,000 complex that will be leased out for $50,000/yr. Would the Bank Grant the Loan, knowing the property secures the loan? Or will the bank demand that my XYZ Company have $500,000 in assets that will secure the loan outside of the property being purchased?

Lets assume I want to get into the business of buying and leasing commercial real estate. Can I just start an LLC or Incorporation, identify a property (ie: Office Complex for $500,000), then go to the Bank and say, My XYZ Corporation needs a loan to purchase a $500,000 complex that will be leased out for $50,000/yr. Would the Bank Grant the Loan, knowing the property secures the loan? Or will the bank demand that my XYZ Company have $500,000 in assets that will secure the loan outside of the property being purchased?

In his upcoming € 3mill court battle with the Bank of Iraland BANK OF Ireland is seeking summary judgment for €3 million against the acting manager of Glasgow Celtic Football Club, Neil Lennon, under a guarantee allegedly provided by him for a loan to a building company of which he was a director. BoI has admitted it has lost the guarantee itself but claims it can produce evidence Mr Lennon signed it at Dublin airport in February 2006. The bank claims Mr Lennon was in Ireland on the weekend beginning February 24th, 2006 because he had a free weekend, due to Celtic having been knocked out of the Scottish Cup. Colm McHugh, a senior business manager at Bank of Ireland’s Dundalk branch, said Mr Lennon had arrived at the airport carrying golf clubs and had signed the guarantee form at the bank’s airport branch. Mr McHugh claims he had advised Mr Lennon the guarantee meant the bank was entitled to call on him personally to repay the loan if the company, Rocket Developments Ltd, did not clear the debt. Mr McHugh also claims Mr Lennon told him he anticipated planning permission would be obtained by Rocket for about 60 houses on a site Rocket intended to develop in Co Louth, that 50 per cent of the sites would be sold to clear the debt to the bank, and that the rest of the site would either be developed or sold at an expected profit of €3 million. The proceedings against Mr Lennon, with an address at Queen’s Gardens, Glasgow, were admitted to the Commercial Court yesterday by Mr Justice Peter Kelly on the application of Aidan Redmond for the bank and on consent of counsel for Mr Lennon. Mr Redmond said it was being contended that Mr Lennon has a credible defence to the claim and had not executed the guarantee. Mr Justice Kelly said it was clear the guarantee allegedly executed by Mr Lennon had been lost and the bank could not find it. The bank was contending it could produce evidence as to the execution of the guarantee, he noted. The judge fixed the summary judgment application for hearing on May 12th. Bank of Ireland claims Mr Lennon was a director of Rocket Developments Ltd, with registered offices at the Crescent, Dundalk, Co Louth. It claims it loaned that company €3 million in early 2006 to part-fund the proposed purchase of seven acres of zoned residential land at Knockbridge, Dundalk. The bank claims Rocket defaulted on its loan obligations and owes some €3.7 million, inclusive of principal and interest. Mr Lennon is liable for €3.07 million of that sum under his alleged guarantee, it is claimed. it`s the turth flux...the unwashed will not be able to read the truth , dew to the brainwashing since birth !

In his upcoming € 3mill court battle with the Bank of Iraland BANK OF Ireland is seeking summary judgment for €3 million against the acting manager of Glasgow Celtic Football Club, Neil Lennon, under a guarantee allegedly provided by him for a loan to a building company of which he was a director. BoI has admitted it has lost the guarantee itself but claims it can produce evidence Mr Lennon signed it at Dublin airport in February 2006. The bank claims Mr Lennon was in Ireland on the weekend beginning February 24th, 2006 because he had a free weekend, due to Celtic having been knocked out of the Scottish Cup. Colm McHugh, a senior business manager at Bank of Ireland’s Dundalk branch, said Mr Lennon had arrived at the airport carrying golf clubs and had signed the guarantee form at the bank’s airport branch. Mr McHugh claims he had advised Mr Lennon the guarantee meant the bank was entitled to call on him personally to repay the loan if the company, Rocket Developments Ltd, did not clear the debt. Mr McHugh also claims Mr Lennon told him he anticipated planning permission would be obtained by Rocket for about 60 houses on a site Rocket intended to develop in Co Louth, that 50 per cent of the sites would be sold to clear the debt to the bank, and that the rest of the site would either be developed or sold at an expected profit of €3 million. The proceedings against Mr Lennon, with an address at Queen’s Gardens, Glasgow, were admitted to the Commercial Court yesterday by Mr Justice Peter Kelly on the application of Aidan Redmond for the bank and on consent of counsel for Mr Lennon. Mr Redmond said it was being contended that Mr Lennon has a credible defence to the claim and had not executed the guarantee. Mr Justice Kelly said it was clear the guarantee allegedly executed by Mr Lennon had been lost and the bank could not find it. The bank was contending it could produce evidence as to the execution of the guarantee, he noted. The judge fixed the summary judgment application for hearing on May 12th. Bank of Ireland claims Mr Lennon was a director of Rocket Developments Ltd, with registered offices at the Crescent, Dundalk, Co Louth. It claims it loaned that company €3 million in early 2006 to part-fund the proposed purchase of seven acres of zoned residential land at Knockbridge, Dundalk. The bank claims Rocket defaulted on its loan obligations and owes some €3.7 million, inclusive of principal and interest. Mr Lennon is liable for €3.07 million of that sum under his alleged guarantee, it is claimed. it`s the turth flux...the unwashed will not be able to read the truth , dew to the brainwashing since birth !

I am a mechanical engineer and to date I have been an employee so small business ownership is new to me. I am at the very beginning stages of starting my first franchise. It is a small sandwich shop which will be about a $300-400k investment. My application to the Franchisor is still is in the approval process and I starting to put together a team of people to do this. So far I have: Attourney, Accountant (for both book keeping and taxes), A Commercial Real Estate Agent, Insurance Agent, Credit Union Loan Officer. Does anyone have any recommendations of other 'must have' people whom I should inlude? Thanks in advance.

I am a mechanical engineer and to date I have been an employee so small business ownership is new to me. I am at the very beginning stages of starting my first franchise. It is a small sandwich shop which will be about a $300-400k investment. My application to the Franchisor is still is in the approval process and I starting to put together a team of people to do this. So far I have: Attourney, Accountant (for both book keeping and taxes), A Commercial Real Estate Agent, Insurance Agent, Credit Union Loan Officer. Does anyone have any recommendations of other 'must have' people whom I should inlude? Thanks in advance.

My partner bought his first house in January and we havent had any trouble making the repayments on his wages alone. I recently graduated with my BHSc but even so my nett income is only around 2500p/month at the moment. I'm thinking about buying a small (tiny!) office in a trendy area for 92K and to start consulting from there 2 days per week and keep my current part time jobs as well. I've never had any credit besides my HEX and don't have a deposit. Is it even possible for me to get a loan? What do you think? I have a feeling that the room might be difficult to rent so if the consulting doesn't work out I'd have to sell or hold as an investment. I'm in Australia so I'd love to hear replies from people who have a good knowledge of the commercial real estate situation here. Would I qualify for any first home buyer or stamp duty benefits? What would the total loan amount need to be to cover all the fees, charges, taxes etc? I would also need 5-7K for equipment. Is it a mortgage , a business loan or what? It may be relevant that my name is not on the mortgage for our house and I have no debt whatsoever, but no deposit - what are my options? Thanks. I completely understand what you're saying. In my consideration of that situation (my partner being unable to work), I have placed a lot of emphasis on the potential capital growth of the properties. I think I need to do far more local research of this topic. I just personally know several people who rent out office spaces and they end up losing most of their profit to it. And when they move they lose a huge chunk of client base. If I were to buy a cheaper space that I can currently afford to pay off using my wages from my permanent and overhead free jobs; at least I have a chance of recouping my money through sales of the properties and/or income from the business. Whereas if I rent it is lost forever. But I also concede that I need some more experience before I dive off by myself. It's frustrating.

My partner bought his first house in January and we havent had any trouble making the repayments on his wages alone. I recently graduated with my BHSc but even so my nett income is only around 2500p/month at the moment. I'm thinking about buying a small (tiny!) office in a trendy area for 92K and to start consulting from there 2 days per week and keep my current part time jobs as well. I've never had any credit besides my HEX and don't have a deposit. Is it even possible for me to get a loan? What do you think? I have a feeling that the room might be difficult to rent so if the consulting doesn't work out I'd have to sell or hold as an investment. I'm in Australia so I'd love to hear replies from people who have a good knowledge of the commercial real estate situation here. Would I qualify for any first home buyer or stamp duty benefits? What would the total loan amount need to be to cover all the fees, charges, taxes etc? I would also need 5-7K for equipment. Is it a mortgage , a business loan or what? It may be relevant that my name is not on the mortgage for our house and I have no debt whatsoever, but no deposit - what are my options? Thanks. I completely understand what you're saying. In my consideration of that situation (my partner being unable to work), I have placed a lot of emphasis on the potential capital growth of the properties. I think I need to do far more local research of this topic. I just personally know several people who rent out office spaces and they end up losing most of their profit to it. And when they move they lose a huge chunk of client base. If I were to buy a cheaper space that I can currently afford to pay off using my wages from my permanent and overhead free jobs; at least I have a chance of recouping my money through sales of the properties and/or income from the business. Whereas if I rent it is lost forever. But I also concede that I need some more experience before I dive off by myself. It's frustrating.

terms desired are non recourse

terms desired are non recourse

i am currently studying in germany.i will join microsoft this year with a good salary.i want to open up a show room in kolkata(my hometown). can anyone please tell me how much time does it take to pass a commercial/professional loan worth 1-1.2crore for 5-6years and what will be the approx interest rate.i am willing to give my showroom papers as security. plz reply.

i am currently studying in germany.i will join microsoft this year with a good salary.i want to open up a show room in kolkata(my hometown). can anyone please tell me how much time does it take to pass a commercial/professional loan worth 1-1.2crore for 5-6years and what will be the approx interest rate.i am willing to give my showroom papers as security. plz reply.

1 bank overdraft 2 venture capital 3 term loans 4 commercial hire purchase

1 bank overdraft 2 venture capital 3 term loans 4 commercial hire purchase

I want to buy a piece of property to build an rv park on. I don't want to go through the whole process of getting a small business and all, I would rather just finance the land and build the park out of my own pocket. I know the land will have to be zoned for Commercial use but what I don't know is if you have to get a commercial mortgage or can I buy the property with a residential mortgage? Would the property have to be zoned commercial and residential? What are the loan requirements for a commercial mortgage? Are they about the same as conventional mortgage or are they harder to qualify for? Maybe easier? What would be the best way to go about this? Any input is appreciated.

I want to buy a piece of property to build an rv park on. I don't want to go through the whole process of getting a small business and all, I would rather just finance the land and build the park out of my own pocket. I know the land will have to be zoned for Commercial use but what I don't know is if you have to get a commercial mortgage or can I buy the property with a residential mortgage? Would the property have to be zoned commercial and residential? What are the loan requirements for a commercial mortgage? Are they about the same as conventional mortgage or are they harder to qualify for? Maybe easier? What would be the best way to go about this? Any input is appreciated.

I've run up some debt when i was a student. Its less than £5000 but on commercial products i.e. credit cards, overdraft and bank loans. I'm paying it back via a debt management plan. I now need to try and get a debit card again but have been refused. Any suggestions?

I've run up some debt when i was a student. Its less than £5000 but on commercial products i.e. credit cards, overdraft and bank loans. I'm paying it back via a debt management plan. I now need to try and get a debit card again but have been refused. Any suggestions?

Okay. I have an idea to start up a cleaning business. My company will offer domestic and commercial cleaning, aside other small tasks, locally. My company will use eco-friendly products and recycle where possible. I have no personal capital, as i am only 20 years old, but have compiled a detailed business plan and strongly believe that this will work. The company will require low start-up funds of £2500 and will initially be ran from home. The costs are for uniform, a website, insurance, supplies and stationary (Letterheads, business cards) I know my market and predict the company making a profit of around £25k in the first year, rising to £75k by year four. I would prefer a grant as i don't want to start business in debt. I have a poor personal credit score. (Defaulted on a bank account and small arrears, my total debt is less than £2000) but if banks offer loans to businesses despite this, then i'd be happy to do so. I just want to get the business running, i know there is a gap in the market locally and intend to break into it. My USP is based around trust. Any views, opinions are welcome, but i do need to work out how to get funding to get the business off the ground.

Okay. I have an idea to start up a cleaning business. My company will offer domestic and commercial cleaning, aside other small tasks, locally. My company will use eco-friendly products and recycle where possible. I have no personal capital, as i am only 20 years old, but have compiled a detailed business plan and strongly believe that this will work. The company will require low start-up funds of £2500 and will initially be ran from home. The costs are for uniform, a website, insurance, supplies and stationary (Letterheads, business cards) I know my market and predict the company making a profit of around £25k in the first year, rising to £75k by year four. I would prefer a grant as i don't want to start business in debt. I have a poor personal credit score. (Defaulted on a bank account and small arrears, my total debt is less than £2000) but if banks offer loans to businesses despite this, then i'd be happy to do so. I just want to get the business running, i know there is a gap in the market locally and intend to break into it. My USP is based around trust. Any views, opinions are welcome, but i do need to work out how to get funding to get the business off the ground.

Saying bausparkassen i mean all deposit-based (or to be more precise, contractual savings) mortgage institutions. The issue of interest is what instruments these institutions invest available allocated funds (savings), which are not distributed as loans? I guess these are liquide and low-risk assets, like commercial bank deposits, goverment bonds, treasury bills and notes). Would appreciate more detailed info. P.S. ...nice remark: it's obvious, that they do like spongebob, but it's doesn't explain everything

Saying bausparkassen i mean all deposit-based (or to be more precise, contractual savings) mortgage institutions. The issue of interest is what instruments these institutions invest available allocated funds (savings), which are not distributed as loans? I guess these are liquide and low-risk assets, like commercial bank deposits, goverment bonds, treasury bills and notes). Would appreciate more detailed info. P.S. ...nice remark: it's obvious, that they do like spongebob, but it's doesn't explain everything

Hi everybody, There is big confusion in my life, My husband & I would love to go to flight school, he wants to be commercial pilot & I want to be a helicopter pilot, we are in our 31 and 35 years old... the problem is managing the finance part... if he starts his school in 6 months, then it will take about 5 years ( more or less ) for him to make enough for me to go to school and pay for his loan... I was just thinking maybe we can start the flight school together, during this time we can live very poor & then after we will pay for our school also at the same time, even maybe I'll finish my school faster than him ... Now my questions are:' 1. Is there any way to get loan for both of us to start the programs? 2. Is it really possible to do that? I mean I know it's not easy but is it possible to be a couple & both go to the flight school & have something to eat & a place to sleep? Oh, I should add that I'm new in the country so all my credit history is base on my husband's credit history Maybe we can get part time jobs after schools & make a little money for living, I mean we should pay the loan back after finishing school no? Thank you all for your consideration, just to clear situation more I should say both of us have college degree, I'm an electrical engineer & he is good business man, but anyhow I'm very disappointed now it seems there is no way

Hi everybody, There is big confusion in my life, My husband & I would love to go to flight school, he wants to be commercial pilot & I want to be a helicopter pilot, we are in our 31 and 35 years old... the problem is managing the finance part... if he starts his school in 6 months, then it will take about 5 years ( more or less ) for him to make enough for me to go to school and pay for his loan... I was just thinking maybe we can start the flight school together, during this time we can live very poor & then after we will pay for our school also at the same time, even maybe I'll finish my school faster than him ... Now my questions are:' 1. Is there any way to get loan for both of us to start the programs? 2. Is it really possible to do that? I mean I know it's not easy but is it possible to be a couple & both go to the flight school & have something to eat & a place to sleep? Oh, I should add that I'm new in the country so all my credit history is base on my husband's credit history Maybe we can get part time jobs after schools & make a little money for living, I mean we should pay the loan back after finishing school no? Thank you all for your consideration, just to clear situation more I should say both of us have college degree, I'm an electrical engineer & he is good business man, but anyhow I'm very disappointed now it seems there is no way

Why do businesses like pawn shops and cheaper car dealerships tend to have more colorful and annoying signage compared to a more upscale business? You never hear Lexus with a "buy now buy now BUY NOW" commercial but you hear it all the with used places. Same with payday loan places compared to banks. Why do lower-class businesses tend to have "louder" and aggressive signage?

Why do businesses like pawn shops and cheaper car dealerships tend to have more colorful and annoying signage compared to a more upscale business? You never hear Lexus with a "buy now buy now BUY NOW" commercial but you hear it all the with used places. Same with payday loan places compared to banks. Why do lower-class businesses tend to have "louder" and aggressive signage?