<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>pnyolms.info &#187; finance</title>
	<atom:link href="http://pnyolms.info/tag/finance/feed/" rel="self" type="application/rss+xml" />
	<link>http://pnyolms.info</link>
	<description></description>
	<lastBuildDate>Tue, 22 Aug 2023 04:46:51 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.1.3</generator>
		<item>
		<title>The Advantages of Buying With Owner Financing</title>
		<link>http://pnyolms.info/the-advantages-of-buying-with-owner-financing/</link>
		<comments>http://pnyolms.info/the-advantages-of-buying-with-owner-financing/#comments</comments>
		<pubDate>Thu, 09 Feb 2023 08:55:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[finance]]></category>

		<guid isPermaLink="false">http://pnyolms.info/?p=40</guid>
		<description><![CDATA[Also known as seller financing, owner financing is growing in popularity in today&#8217;s economy. With the credit markets slowing down and people finding it harder and harder to borrow, owner financing is looking better and better as an alternative to &#8230; <a href="http://pnyolms.info/the-advantages-of-buying-with-owner-financing/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>				Also known as seller financing, owner financing is growing in popularity in today&#8217;s economy. With the credit markets slowing down and people finding it harder and harder to borrow, owner financing is looking better and better as an alternative to traditional financing. Owner financing is when the seller of the property basically agrees to take payments rather than a lump sum. Here are a few things that need to happen in order for the owner to be able to finance your deal:1.	The owner needs to have considerable equity in the property. The owner will usually have their own mortgage they will need to pay back in full when they sell the property to you. If they don&#8217;t have a whole lot of equity, they usually can&#8217;t offer to finance a whole lot of the deal. The best scenario is an older owner that is close to retirement. Odds are that they have a good amount of equity or even own the property free and clear. They are looking to retire and just want a steady cash flow rather than a lump sum when they sell the place.2.	The owner should have a desire to accept owner financing. If the seller wants to roll the funds over into another property or needs the lump sum of cash for one reason or another, they probably won&#8217;t want to take on very much seller financing.3.	The terms need to be right for both parties. The interest rate, duration and repayment structure need to be acceptable for both parties. This usually requires a good deal of negotiation.If you have all your ducks in a row and seller financing seems like it might be a possibility, here are some of the benefits to consider if you are thinking about locking in owner financing:1.	You might not have to get traditional financing. This depends on how much the owner is willing to finance. If they are willing to finance just a little bit, this might help you lower your down payment or help you qualify for traditional financing, but won&#8217;t completely eliminate traditional financing unless you pay the remaining amount due as a down payment.2.	You could get more flexible terms than you would on a standard mortgage. You have the power of negotiating so that both the buyer and the seller walk away with a fair deal. You typically can&#8217;t do this with a traditional bank.3.	The seller is still somewhat on the hook for the property. You know that you aren&#8217;t getting totally ripped off, because the seller still hasn&#8217;t received all their money. There is a possibility that you could pay a little bit of a premium for the deal. If they end up totally screwing you, and the property completely falls apart in a few years and you let it fall into foreclosure, the seller only stands to get the property back. The seller isn&#8217;t going to want to lend to you using a bum property as collateral.If owner financing seems like it would work for you, there is no reason to start looking for properties for sale with owner financing. Even if a property isn&#8217;t advertised as offering owner financing, you may be able to talk with any seller and see if they are willing to negotiate on terms.			</p>
<div class="mads-block"></div>]]></content:encoded>
			<wfw:commentRss>http://pnyolms.info/the-advantages-of-buying-with-owner-financing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Yahoo! Finance &#8211; What Sets This Finance Website Apart?</title>
		<link>http://pnyolms.info/yahoo-finance-what-sets-this-finance-website-apart/</link>
		<comments>http://pnyolms.info/yahoo-finance-what-sets-this-finance-website-apart/#comments</comments>
		<pubDate>Thu, 09 Feb 2023 04:24:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[finance]]></category>

		<guid isPermaLink="false">http://pnyolms.info/?p=37</guid>
		<description><![CDATA[&#8220;What Obama Must Say Tonight,&#8221; &#8220;10 Tax Moves to Make in 2010,&#8221; and &#8220;Ailing Banks Favor Salaries Over Shareholders,&#8221; are all examples of the dozens of articles that could be found today at Yahoo! Finance. Yahoo! Finance is a finance &#8230; <a href="http://pnyolms.info/yahoo-finance-what-sets-this-finance-website-apart/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>				&#8220;What Obama Must Say Tonight,&#8221; &#8220;10 Tax Moves to Make in 2010,&#8221; and &#8220;Ailing Banks Favor Salaries Over Shareholders,&#8221; are all examples of the dozens of articles that could be found today at Yahoo! Finance. Yahoo! Finance is a finance website that offers lots of free information and tools all related to finance. There are many websites today that offers resources and tools related to personal finance and investing, so what does Yahoo! Finance have to offer?*Free- Although there are some services available for a fee, accessing the Yahoo! Finance website is free and so is the use of many tools.*Personalized Updates- If you choose to set up an account, you can get personalized updates when you log on about stocks or companies that you&#8217;re interested in.*Up to Date- This is one of the best things that sets Yahoo! Finance apart. Market indexes and updates are updated frequently and the &#8220;news&#8221; is fresh.*At a Glance- You can see Market index averages for the day including the DOW, NASDAQ, S&#038;P 500 and more, as well as graphs showing the trend in these averages for the most recent working day.What&#8217;s Up at Yahoo! Finance?In addition to the Yahoo! Finance home page, you can find helpful pages on:-Investing-News and Opinion-Personal Finance-My Portfolios (if you choose to organize your financial information here)- A Tech TickerOn the Investing Pages at Yahoo! Finance:Find out about &#8220;Today&#8217;s Markets,&#8221; including recent earnings statements, recent stock splits and more.Mutual Funds, Stocks, ETFs, Options, Industries and Currencies are all explored furher. Find research, converters, calculators, articles and more.You can also learn more about world stock index levels, world news and exchange rates are under &#8220;International.&#8221;"Research and Education&#8221; offers a business term glossary, personal tutorials on finance and investing and more.Of course Yahoo! Finance also offer &#8220;Community,&#8221; a section where you can chat, ask questions or join groups.On the Personal Finance Pages at Yahoo! Finance:Get your personal finances organized at &#8220;Banking and Budgeting.&#8221; Free trials of online bill pay are available. Frequent offers include free for 6 months and $4.95 thereafter.More under Personal Finance&#8230;*Insurance*Taxes*Loans*Real estate* Family and Income*RetirementOn the News and Opinion Pages at Yahoo! Finance:Look for articles on&#8230;*Industry news*New technology*Top picks by expertsCreating a Yahoo! Finance Account:Creating an account at Yahoo! Finance is easy and free. Once you&#8217;ve created an account, you can personalize your logon so that the information that is important to you will be displayed including stock prices and relevant news pertaining to companies you are interested in.The Perks of Yahoo! Finance:Yahoo! Finance visitors and members enjoy that there&#8217;s so much financial information in one place and that the articles and financial charts on Yahoo! Finance are kept up to date. They also like that so many of the services available are free. Visitors also applaud Yahoo! for having limited ads.Popular Tools at Yahoo! Finance:There are rate charts and calculators for Mortgage, Home Equity, Savings, Auto Loans and Credit Cards for fixed loans and ARMs. You can see rates across the country as well view rates in your area.What&#8217;s not to love about Yahoo! Finance?While many users like the non-nonsense format at Yahoo! Finance, others find the finance web sites look to be drab, boring and unexciting with little more than two colors, black and blue, a limited photos.Still, Yahoo! Finance is recommended as a finance website that has a lot of helpful tools and resources that are well organized, up to date and more than not, free.			</p>
]]></content:encoded>
			<wfw:commentRss>http://pnyolms.info/yahoo-finance-what-sets-this-finance-website-apart/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Shoe Repairs And Several Other Things When I Was 7</title>
		<link>http://pnyolms.info/shoe-repairs-and-several-other-things-when-i-was-7/</link>
		<comments>http://pnyolms.info/shoe-repairs-and-several-other-things-when-i-was-7/#comments</comments>
		<pubDate>Sat, 06 Feb 2021 02:26:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[part]]></category>
		<category><![CDATA[Repairs]]></category>

		<guid isPermaLink="false">http://pnyolms.info/?p=13</guid>
		<description><![CDATA[Shoe Repairs And Several Other Things When I Was 7 My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was &#8230; <a href="http://pnyolms.info/shoe-repairs-and-several-other-things-when-i-was-7/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Shoe Repairs And Several Other Things When I Was 7<br />
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to &#8220;Keep us in shoe Leather&#8221; to coin a phrase!</p>
<p>He bought several different sizes of cast iron cobbler&#8217;s &#8220;lasts&#8221;. Last, the old English &#8220;Laest&#8221; meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.</p>
<p>But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we&#8217;d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.</p>
<p>Hiking and Swimming Galas<br />
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!</p>
<p>Anyway, he often took us hiking in the mountains where we&#8217;d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.</p>
<p>We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.</p>
<p>Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.</p>
<p>Rowing Over To Ireland&#8217;s Eye<br />
That&#8217;s what we did back then, we had to go by rowboat, the only way to get to Ireland&#8217;s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!</p>
<p>But we thoroughly enjoyed rowing and once there we couldn&#8217;t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.</p>
<p>Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I&#8217;m getting lost in the past as I write, and have to drag myself back to the present.</p>
<p>Fun Outings with The camera Club<br />
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.</p>
<p>And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.</p>
<p>All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I&#8217;m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.</p>
<p>He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.</p>
]]></content:encoded>
			<wfw:commentRss>http://pnyolms.info/shoe-repairs-and-several-other-things-when-i-was-7/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
