Foreign Perspectives

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Although it’s best to retain your endowment for the full term sometimes that’s just not possible for one reason or another.

However, you don’t need to take the pitifully low amount that you’ll be offered by the insurance company as it’s possible to sell endowments these days and almost always that’ll bring you in a significantly larger amount than the insurance company are offering you. If it’s an endownment that you’ve notionally been using to pay off your mortgage the amounts involved can be very substantial indeed (you usually can’t sell the endowment if it’s been assigned to the bank).

Popularity: 12% [?]

You might think that this is a daft time to be thinking about getting yourself some education in the fields of stock market investment and property investment with both those worlds seeming to be in the process of falling down around us.

In fact, it’s close to being the perfect time to have yourself fully equipped with the knowledge that you need to make the most of these times and to take advantage of the upturn that can’t be far off now. WIN investing is one of the top outfits offering training in both these areas.

Their courses aren’t cheap but are very high quality (eg one of the masterclasses lets you keep the laptop you’ll be using during the course).

Popularity: 15% [?]

Hard money is a slightly odd type of real estate mortgage in that rather than treating the property as a long term investment as most typical mortgage places do, it’s intended for quick turnover.

This obviously changes the valuation criteria considerably and it’s based on the quick-sale value of the property rather than the normal wooly valuation that a realtor may come up with. Since it is quite short-term financing, it therefore will usually come with a higher APR calculated interest rate although that’s not overlly relevant as this is very much short term financing thus a very high APR doesn’t equate to equally high interest payments over the term of the loan.

In the hard money marketplace you don’t want to be fussing around with brokers and since it’s quite a specialised business it’s best to run with a nationwide hard money lender in that they’ll have both more experience and more financial backing. Commercial hard money works on a similar basis although, of course, there are many more variants in loan types comprising the likes of bridge loans, construction pay off loans, foreclosure bailouts, purchases and foreign national purchases: essentially all the types of loan that banks have difficulty in approving through their normal channels.

Anyway from Arizona hard money to New York hard money you can arrange it surprisingly fast through LV Hard Money.

Popularity: 98% [?]