Im planning on starting a new online small business soon but at wells fargo they said i would have to put 20% of how much im borrowing to get a line of credit but i dont have the money. I have so so good credit, any suggestions on where i can go?

Does anyone know of any place or ordinance that provides some form of rent control for leases on non residential property? for the small independent business owner? The mom and pop corner store?

I am so tired of seeing yet another cell phone, cable, loan stop, check cashing, and real estate brokerage move in to the spaces where those unique wonderful little shops, owned and operated by the locals, once flourished. Commercial landlords can be just as greedy as the slumlord owner. It just seems wrong to force out a meaningful local member of the community and replace with yet another piece of big business blight!

I’ve witnessed the rent-induced demise of too many great local businesses: such as my local guitar and music store, my vacuum repair shop, my jewelery repair, and one of my favorite little independent grocery stores. All of these proprietors were forced out by greedy and unscrupulous landlords who imposed impossible increases in rental rates. (some increases were 25-45%).

I would love to hear from any one out there who knows of a city or locality with protections in place for their small business owners with regards to rental increases.

I have pretty bad credit (480s probably) … its all silly stuff/education that added up – about ,000 worth.

I own free and clear a residental/commercial property with a large house on in – been fixing up the house. I have a rebuild letter from the city, so it can be financed as a regular residental home mortage or whatever. (Being its residential/commercial propery, if it burnt down – the town would only let commercial buildings be rebuilt – but with a rebuild letter – it can stay a residental or whatever I want)

It was valued by the realitor at about 5,000 (and I owe nothing on it) – I would like to get a loan for ,000 to pay off all my debts and put the rest into the home…

How can I accomplish this? What companys would do this? What type of financing should I do (mortage, equity??) ..

I am self employed – 2 yrs on the job

Can somebody please tell me which are the cost of re-financing an apartment in D.C.? THANKS.
Pls. give me details.

I was just wondering, since most hard money lenders lend up to 70% ARV, could their be more equity in the property to pull out if needed in that situation? thanks for any input.

I just received this e-mail, but I loved it – what do you think?

"My thoughts

Hi Pals,

I’m against the ,000,000,000.00 bailout of AIG.

Instead, I’m in favor of giving ,000,000,000 to America in a ‘We Deserve It Dividend’.

To make the math simple, let’s assume there are 200,000,000 bonafide U.S. Citizens 18+.

Our population is about 301,000,000 +/- counting every man, woman and child. So 200,000,000 might be a fair stab at adults 18 and up.

So divide 200 million adults 18+ into billon that equals 5,000.00.

My plan is to give 5,000 to every person 18+ as a ‘We Deserve It Dividend’.

Of course, it would NOT be tax free. So let’s assume a tax rate of 30%.

Every individual 18+ has to pay 7,500.00 in taxes. That sends ,500,000,000 right back to Uncle Sam.

But it means that every adult 18+ has 7,500.00 in their pocket. A husband and wife has 5,000.00.

What would you do with 7,500.00 to 5,000.00 in your family?

Pay off your mortgage – housing crisis solved.

Repay college loans – what a great boost to new grads

Put away money for college – it’ll be there

Save in a bank – create money to loan to entrepreneurs.

Buy a new car – create jobs

Invest in the market – capital drives growth

Pay for your parent’s medical insurance – health care improves

Enable Deadbeat Dads to come clean – or else

Remember this is for every adult U S Citizen 18+ including the folks who lost their jobs at Lehman Brothers and every other company that is cutting back. Of course, for those serving in our Armed Forces!

If we’re going to do an billion bailout, let’s bail out every adult U S Citizen 18+.

As for AIG – liquidate it.

Sell off its parts.

Let American General go back to being American General.

Sell off the real estate.

Let the private sector bargain hunters cut it up and clean it up.

Here’s my rationale. We deserve it and AIG doesn’t.

How do you spell Economic Boom?

I trust my fellow adult Americans to know how to use the Billion We Deserve It Dividend more than I do the geniuses at AIG or in Washington DC .

And remember, The Holland plan only really costs .5 Billion because .5 Billion is returned instantly in taxes to Uncle Sam.

Ahhh…I feel so much better getting that off my chest!"

I went to a private commercial arts school and have about K in loans, just wondering what your payments are and how much you are in debt because I called my lender today (my grace period is up next month) and they seemed INCREDIBLY high. yes, I know thats a lot of debt, and I will pay it back (duh) and I have 25 years, but was just wondering about other peoples situation.

We are a registered Californian company, but are UK citizens living in California. The company is just over 1 year old. The purpose of the loan/business credit line is to purchase a small business.
The Tax ID is a good answer… but will this be usefull where someone needs a credit record? Or, for business finance, would our personal circumstances be relevant in any case?

I believe state of our economy is due to the fact that people in power in business and government were able to manipulate deregulation and leverage the stock market to their advantage.

Once upon a time, all mortgages were 20% down, at a fixed interest rate. The people that bought houses could afford houses. People saved money for their down payments. They rarely walked-away from their 20% savings investment in their home.

Then, deregulation came along. "Greed Is Good" was the mantra of the day. In order to stimulate the economic marketplace in the late 70’s due to a recession, congress passed legislation to deregulate the commercial banking / Savings and Loan industries. Thus, the collapse a few years later in the early1980’s of numerous S & L’s, due to bad decision making on the part of greedy CEO’s who had pushed the deregulation and choose to make bad investments to earn outrageous interest rates. These high-rate, high-risk loans to under-capitalized, high-risk people were made with the banks and S & L’s depositors funds – people lost their retirement money, pension plans were wiped-out. But, prior to the Black Monday crash of October 1981 the corporate CEO’s rewarded themselves outrageous compensation packages and golden parachutes… do you recall The Keating Scandal?

Regulation’s were tightened back up… but then in early 2001, the economy went south again… partly due to 9-11. So, to stimulate the marketplace, more deregulation… this time of the mortgage and energy industries.

Energy deregulation came very quickly, with V.P. "Tricky Dick" Cheney having the first-ever closed-door, zero-oversight private meetings at the White House of Energy Company Executives to create policy to regulate… the Energy Industry? (think fox guarding hen house…). Too soon after came the spectacular energy industry failures… (remember Enron? Kenneth Lay was a personal FOB, "Friend of Bush" ) and the massive compensation packages awarded to the CEO’s by themselves. Then, as in the early 1980’s, regulation had to be re-instituted.

The mortgage industry took off… everyone was happy… lots of money was made by most everyone… lenders, home owners, home builders, investors, wall street… but, no one in government had the foresight to look toward the inevitable over-correction, the "bursting-of-the-bubble" in the market… we were distracted by the wars in Iraq and Afghanistan… if you’re not with us, then you’re against us!

A primer: Mortgage loans are "bundled" in sets (blocks) of billions of dollars of investments… which had always been traditionally considered as "safe" (remember the down payments that used to be made…?). Lenders then sell these blocks of bundled mortgage loans to large investors, primarily Fannie May and Freddie Mac, quasi "US government-backed agencies" (think the US Post Office, another quasi government agency, overseen by uncle Fed, but run as it’s own "company"). This selling-off of the bundled loan packages freed-up the mortgage lenders to create new loans, because they had been "re-paid" when sold to Fannie May & Freddie Mac. When the loans being made were sound, the marketplace worked well…

When deregulation or the mortgage industry in early 2002 happened, just about anyone that could fog a mirror and breathe at the same time could suddenly get a mortgage. Previous rules and reg’s on lending went out the window. The more loans they made, the more fee’s they could collect. Lenders made lots of money, meaning their companies made lots of profit. Wall Street invested heavily in these mortgage securities, which now were weighted-down with the shady, undocumented "B" and "C" grade-paper sub-prime loans. More loans, more fees… more loans, more money to loan out, which were based on these mortgage bundles now loaded with poor-performing loans. This fed the gluttony in America for more and more credit: credit cards, equity loans – borrow, borrow borrow!! The wall street CEO’s rewarded themselves handsomely… their companies were making outrageous profits… before they eventually collapsed.

I BLAME UNCLE FED FOR THIS MESS – AND I PARTICULARLY BLAME THE REPUBLICANS, who have such a need to deregulate industries to the extent that corporate greed takes-over and fiscal common-sense falls by the wayside.

Just because they could deregulate doesn’t mean they should have deregulated… when guidelines / rules / regulations go away, greed ALWAYS takes over… EVERY, SINGLE TIME!!!!!!!!!!!!!!!

I’ve worked in Real Estate, Mortgage Banking and as an Escrow Closer for the past 20+ years… saw this disaster coming for the last 5 years…

YOUR THOUGHTS??
P.S. – I didn’t make the loans, I was an administrative staff-support person…

I was personally sickened by the loans being made to the people I knew couldn’t repay them… but I couldn’t do a damn thing about it, except by getting-out of the industry (that was 4 years ago…).

Let’s say I want to buy a commercial property for 200K and don’t want to put do 30% and get into an 8 – 10% interest rate commercial mortgage. I own a very profitable company which grosses 1M per year, Bank are always offering this company large loans or equity lines on the business. What is my company borrow me some money, at a fair interest rate of say 5% simple interest and I use it to buy this property ?

What are the advantages and disadvantages? From what I can see. I will have lots of money on the loan (interest) and not have to make a large down-payment and I’ll own the properly free and clear.

Thanks guys.

Was just wondering, with all the economy mess today and slow sellers market, how do people really profit from hard money loans, when the property has to be sold in order to make profit? Thanks for any input

I got this as an e-mail and thought why not?
Thoughts please.
Bic Plan:
> >
> >
> > I’m against the ,000,000,000.00 ( Billion) bailout of AIG.
> >
> > Instead, I’m in favor of the Bic Plan which gives the ,000,000,000
> > To America in a ‘Who Better Dividend’.
> >
> > To make the math simple, let’s assume there are 200,000,000 legitimate
> > U.S. Citizens 18+.
> >
> > Our population is about 301,000,000 +/- counting every man, woman and
> > child. So 200,000,000 might be a fair stab at adults 18 and up.
> >
> > So divide 200 million adults 18+ into billion that equals
> > 5,000.00.
> > My plan is to give 5,000 to every person 18+ as a Who Better
> > Dividend.
> > Of course, it would NOT be tax free.
> >
> > So let’s assume a tax rate of 30%.
> >
> > Every individual 18+ has to pay 7,500.00 in taxes.
> >
> > That sends ,500,000,000 ( Billion) right back to Uncle Sam.
> >
> > But it means that every adult 18+ has 7,500.00 in their pocket.
> >
> > A husband and wife would have 5,000.00.
> >
> > What would you do with 7,500.00 to 5,000.00 in your family?
> >
> > Pay off your mortgage – housing crisis solved.
> >
> > Repay college loans – what a great boost to new grads
> >
> > Put away money for college – it’ll be there
> >
> > Save in a bank – create money to loan to entrepreneurs.
> >
> > Buy a new car – create jobs
> >
> > Invest in the market – capital drives growth
> >
> > Pay for your parent’s medical insurance – health care improves
> >
> > Enable Deadbeat Dads to come clean – or else
> >
> > Remember this is for every adult U S Citizen 18+ including the folks
> > who lost their jobs at Lehman Brothers and every other company that is
> > cutting back and, of course, for those serving in our Armed Forces.
> >
> > If we’re going to re-distribute wealth let’s really do it…instead of
> > trickling out a puny 00.00 (’vote buy’) economic incentive that is
> > being proposed by one of our candidates for President.
> >
> > If we’re going to do an Billion bailout, let’s bail out every adult
> > U.S. Citizen 18+!
> >
> > As for AIG – liquidate it.
> >
> > Sell off its parts.
> >
> > Let American General go back to being American General.
> >
> > Sell off the real estate.
> >
> > Let the private sector bargain hunters cut it up and clean it up.
> >
> > Here’s my rationale. We deserve it and AIG doesn’t.
> >
> > Sure it’s a crazy idea that can ‘never work.’
> >
> > But can you imagine the Coast-To-Coast Block Party!
> >
> > How do you spell Economic Boom?
> >
> > I trust my fellow adult Americans to know how to use the Billion
> >
> > We Deserve It Dividend more than I do the geniuses at AIG or in
> > Washington DC.
> >
> > And remember, The Bic Plan only really costs .5 Billion because
> > .5 Billion is returned instantly in taxes to Uncle Sam.
> >
> > Ahhh…I feel so much better getting that off my chest.
> >
> > Kindest personal regards,
> >
> >
> >
> > Jeff ‘Bic’
> > A Citizen of the Republic
> >
> > PS: Feel free to pass this along to your pals as it’s either good for a
> > laugh or a tear or a very sobering thought on how to best use
> > Billion!!
I have a degree have taken economics, maybe you should lighten up. And from that stand point what part does not work?? Other than the mass of people quitting their jobs until their money runs out.
Hey marvin it is 42.5 and you should get some humor it may save you some.
sorry marvin missed a 0 however again I GOT THIS AS AN E-MAIL. So again get some humor it helps especially now. but replace that figure with what Pulsan wants, changes the numbers a bit.
Ps Marvin would you believe Harvard?? No not really.
I hear you.

I am in the Hvac air conditioning and heating business with my wife and we have money to work with and would like to get a credit line for projects ? need help

Can anyone explain to me logically, economically, how real estate values (non-land, non-commercial) can increase, going forward, without median labor wages increasing? I’ve done the math based on loan/value and avg affordable home cost. With the elimination of creative financing, I do not think it is possible.
and, again, real estate values as a WHOLE
My apologies…can values rise more than 15-20% without an increase in median wages.

After 8 long years in this relationship it finally ended after so many infidelity problems, unfortunatly the loan still stands. I got it for him to help him with his buisness and to help the family because my credit score was slightly better than his.

I moved a state away and have dealt with the worst custody battle ever the last year and with all the stuff I had to deal with I put this 100K loan on the backburner. Custody has been a priority all year. Now that most things have been resolved I have this loan that I don’t know what to do about. Its a revolving Suntrust equity loan and it was for 10 years and 2 years have passed since I had it done. I really want this taken care of it erks me so bad to see 150K in cars in his driveway and several buisnesses and commercial property and the house itself is in his name and I walked away with nothing but a loan in my name.

Please help

I am Mr. Michael Plato a private lender. I give out
both private and commercial loans to both
individuals and corporate business organisations at
a low interest rateA.Under my loan process, repayment
can be made either monthly or yearly.If you need
more details or you wish to obatin a loan from
me,you can contact me via e-mail:
michaelplato_loan@yahoo.com

I am looking for a hard money loan to purchase inventory and to rent a kiosk in the mall for the holidays for my business. I have tried the banks and they say my credit score isn’t high enough or they would like to see more cash flow. I have high margin inventory as much as 80% profit margin, so I can turn the inventory quickly. Just looking for a company that will lend the money quickly. Please only legitimate answers.

This idea sounds just crazy enough to possibly work, so
naturally it won’t be given serious consideration. How
great is our bureaucracy!!

Hi P.E. Pals,

I’m against the ,000,000,000.00 bailout of AIG.

Instead, I’m in favor of giving ,000,000,000 to
America in a We Deserve It Dividend.

To make the math simple, let’s assume there are
200,000,000 bonafide U.S. Citizens 18+.

Our population is about 301,000,000 +/- counting every
man, woman and child. So 200,000,000 might be a fair stab at adults 18 and up..

So divide 200 million adults 18+ into billion that
equals 5,000.00.

My plan is to give 5,000 to every person 18+ as a We
Deserve It Dividend.

Of course, it would NOT be tax free.

So let’s assume a tax rate of 30%.

Every individual 18+ has to pay 7,500.00 in taxes.

That sends ,500,000,000 right back to Uncle Sam.

But it means that every adult 18+ has 7,500.00 in
their pocket.

A husband and wife has 5,000.00.

What would you do with 7,500.00 to 5,000.00 in your
family?

Pay off your mortgage – housing crisis solved.

Repay college loans – what a great boost to new grads

Put away money for college – it’ll be there

Save in a bank – create money to loan to entrepreneurs.

Buy a new car – create jobs

Invest in the market – capital drives growth

Pay for your parent’s medical insurance – health care
improves

Enable Deadbeat Dads to come clean – or else

Remember this is for every adult U S Citizen 18+
including the folks who lost their jobs at Lehman Brothers
and every other company that is cutting back. And of course,
for those serving in our Armed Forces.

If we’re going to re-distribute wealth let’s
really do it…instead of trickling out a puny 00.00 (
‘vote buy’ ) economic incentive that is being
proposed
by one of our candidates for President.

If we’re going to do an billion bailout,
let’s bail out every adult U S Citizen 18+!

As for AIG – liquidate it.

Sell off its parts.

Let American General go back to being American General.

Sell off the real estate.

Let the private sector bargain hunters cut it up and
clean it up.

Here’s my rationale. We deserve it and AIG
doesn’t.

Sure it’s a crazy idea that can ‘never work.’

But can you imagine the Coast-To-Coast Block Party!

How do you spell Economic Boom?

I trust my fellow adult Americans to know how to use the
Billion

We Deserve It Dividend more than I do, the geniuses at AIG
or in Washington DC

And remember, The Birk plan only really costs .5
Billion because .5 Billion is returned instantly in taxes
to Uncle Sam.

Ahhh…I feel so much better getting that off my chest.

Kindest personal regards,
Your Friend

PS: Feel free to pass this along to your pals as it’s
either good for a laugh or a tear or a very sobering thought
on how to best use Billion!!

Owes about k – its been late for 120 days and its going on collection soon. I got a call from the bank saying that they will sue me if i dont pay it soon. i got behind and now they want me to pay the whole thing. any experience???? need help.

History repeats in housing disaster

We all await word from Washington, D.C., concerning our new president’s plan to fix the economy.

We’re told to expect bags of money to be distributed by the federal government soon. We’re expected to believe the generosity of Washington will save us from our current circumstances. Really? Let’s take a look at what brought us to the current situation.

Research begun immediately after the stock market crash of 1929 found that a major factor in the market crash of 1929 was a sudden downturn of real estate prices (a housing bubble burst). Does this remind us of recent events?

In 1932 Senator Glass and Representative Steagall co-sponsored a bill to preclude a recurrence of what happened in 1929. This bill, intended to keep commercial banks from selling loans to investment banks, was known as the Glass-Steagall Act. President Roosevelt signed the bill into law in 1933. The deepest significance of the new law was to require mortgage lenders to pay close attention to the viability of every loan they were considering. Since new loans could no longer be sold to investment banks each lender was strongly motivated to be sure a borrower was capable of repaying the loan.

In 1938 the Federal Government created FNMA (known as “Fannie Mae”), a Federal agency whose purpose was to make more money available to lower-income citizens for purchasing of homes.

In 1968 the Feds acted again. The structure of Fannie Mae was changed to public corporation. Known as a Government Sponsored Enterprise (GSE) this revised structure enabled citizens to invest in mortgage lending markets by buying stock in Fannie Mae. Later that same year Uncle Sam created “Freddie Mac” as a GSE. The Feds were working to make even more money available to lower-income folks for the purchase of homes.

In 1977 the Community Reinvestment Act (CRA) was enacted to “encourage” lenders more aggressively to make money available to home buyers, primarily in the inner-city neighborhoods. There has been a long-established concern in Washington about home ownership and lower-income people. This is not necessarily a bad thing.

Early in the Clinton administration Attorney General Janet Reno announced that the Justice Department would start investigating lenders who were not meeting the “aims” of the CRA.

To avoid being charged with misconduct alleged by the attorney general, many mortgage lenders began granting loans to applicants who otherwise might not qualify for a standard loan. The so-called “sub-prime market” was born. Paying higher loan fees and higher interest rates on these loans, low-income borrowers were helped to access home ownership.

1999: In its infinite wisdom, Congress repealed Glass-Steagall. Now mortgage lenders could once again sell their loans to investment banks (Wall Street). With many questionable loans now on their books there was great motivation to do so. Upon purchasing loans from lenders, investment banks would package them as investments (known as Collateralized Mortgage Obligations or CMOs) and then promote them to mutual fund companies. This is how this all got into your 401k !

Early in the current decade there were numerous reports to Congress about the questionable dealings at Fannie Mae and Freddie Mac. Regulators’ voices were heard in Congress urging immediate investigation. Each time the voices were silenced with strong retort from the likes of Senator Christopher Dodd and Congressman Barnie Frank. No investigation was ever conducted.

Where are we now? We are expected to believe that the Federal Government can “save our economy.” Do you believe that? You can’t be serious. The Federal Government created this mess.

Last week Mr. Obama stated he had only recently become aware of how bad our economy is. Are you kidding me? We are supposed to look to this guy for real leadership and real change? This is absurd !

Write your Congressman. Demand that a new Glass-Steagall Act be put in force immediately.
Peyton – You own something alright but it isn’t anyone else.

I have been looking at a property for a while and absolutely love it. As it turns out, we looked at the zoning and it is a non-conforming residential. It is beside an industrial park, so they zoned it so that when the house is destroyed or abandoned over a year, it must become commercial. Since the bank did not want to deal with this zoning "problem", they just told us that we need to find a house they will give a mortgage on. It has been forclosed on for almost 9 months, so rezoning it would take too long. I was just wondering if there was anyone with advice. Thanks.

I’ld like to find out who owns a particular coop apartment. I have the address and would like to do a reverse look up of the owner. The property is in Brooklyn, NY. I did a search on nyc.gov/finance for the property but it shows that the whole building is owned by a company, and there are no individual owners for each apartment. Where else can I look?

1 Funds cannot be removed from this savings account until the end of a certain period of time
2 A type of loan used to buy real estate
3 The amount borrowed in a loan
4 The largest source of income for banks
5 Provide the most services and play the largest role in the economy of all types of lending institutions
6 Requires customers to use a PIN
7 Institutions that give installment loans to consumers
8 A feature of modern banking that allows you to transfer, deposit and withdraw money 24 hours a day
9 Type of bank which originally introduced NOW accounts
10 A banking system that only keeps a portion of the funds on hand and loans out the remainder

A. Fractional Reserve Banking
B. Principal
C. Automated Teller Machine
D. Debit Card
E. Commercial Banks
F. Savings Banks
G. Federal Reserve System
H. Credit Cards
I. Default
J. Stored Value Cards
K. Mortgage
L. Money Market Mutual Funds
M. Finance Companies
N. Interest
O. Certificate of Deposit
I think 3 is B and 6 is D

I’m interested in a multi-family apartment complex (5+ units). Assuming all of the other lender specifics are met (i.e. the debt service coverage ratio). Do they look at the borrowers personal debt and compare that to the down payment, or do they not care as long as the borrowers credit score is high enough? Thanks!
I’m not concerned about whether or not I can get approved for the personal loan. I’m interested in whether or not, if all other commercial lending criteria are met, the commercial lender would approve the loan with the down payment financed through a personal loan.

After 8 long years in this relationship it finally ended after so many infidelity problems, unfortunatly the loan still stands. I got it for him to help him with his buisness and to help the family because my credit score was slightly better than his.

I moved a state away and have dealt with the worst custody battle ever the last year and with all the stuff I had to deal with I put this 100K loan on the backburner. Custody has been a priority all year. Now that most things have been resolved I have this loan that I don’t know what to do about. Its a revolving Suntrust equity loan and it was for 10 years and 2 years have passed since I had it done. I really want this taken care of it erks me so bad to see 150K in cars in his driveway and several buisnesses and commercial property and the house itself is in his name and I walked away with nothing but a loan in my name.

Please help
unfortunatley we were never married… got 2 marriage licenses but right before each time I caught him cheating again so I had to call it quits.

Here’s the plan:

*I’m against the ,000,000,000.00 bailout of AIG.*

Instead, I’m in favor of giving ,000,000,000 to America in a *We
Deserve It Dividend*.

To make the math simple, let’s assume there are 200,000,000 bonafide
U.S. Citizens 18+.

Our population is about 301,000,000 +/- counting every man, woman
and child. So 200,000,000 might be a fair stab at adults 18 and up..

So divide 200 million adults 18+ into billon that equals
5,000.00.

My plan is to give 5,000 to every person 18+ as a *We Deserve It
Dividend*.

Of course, it would *NOT* be tax free. So let’s assume a tax rate
of 30%.

Every individual 18+ has to pay 7,500.00 in taxes. That sends
,500,000,000 rig ht back to Uncle Sam.

But it means that every adult 18+ has 7,500.00 in their pocket. A
husband and wife has 5,000.00.

*What would you do with 7,500.00 to 5,000.00 in your family?*
*Pay off your mortgage – housing crisis solved.*
*Repay college loans – what a great boost to new grads*
*Put away money for college – it’ll be there*
*Save in a bank – create money to loan to entrepreneurs.*
*Buy a new car – create jobs*
*Invest in the market – capital drives growth*
*Pay for your parent’s medical insurance – health care improves*
*Enable Deadbeat Dads to come clean – or else*

*Remember this is for every adult U S Citizen 18+ ‘including the
folks who lost their jobs at Lehman Brothers and every other company
that is cutting back. And of course, for those serving in our Armed
Forces.

If we’re going to re-distribute wealth let’s really do it…instead
of
trickling out a puny 00.00 ( ‘vote buy’ ) economic incentive that
is being proposed by one of our candidates for President.

If we’re going to do an billion bailout, *let’s bail out every
adult U S Citizen 18+!*

*As for AIG – liquidate it.*
Sell off its parts.
Let American General go back to being American General.
Sell off the real estate.
Let the private sector bargain hunters cut it up and clean it up.

*Here’s my rationale.* *We deserve it and AIG doesn’t.*
=0 A
*Sure it’s a crazy idea that can ‘never work.’*

But can you imagine the *Coast-To-Coast Block Party*!

How do you spell* Economic Boom?*

*I trust my fellow adult Americans to know how to use the
Billion*
*We Deserve It Dividend* more than I do the geniuses at AIG or in
Washington DC ..

And remember, The Chud plan only really costs .5 Billion because
.5 Billion is returned instantly in taxes to Uncle Sam.

Ducati. did you read this? Obviously NOT. Its people like you that make this country go down hill.

1 Funds cannot be removed from this savings account until the end of a certain period of time
2 A type of loan used to buy real estate
3 The amount borrowed in a loan
4 The largest source of income for banks
5 Provide the most services and play the largest role in the economy of all types of lending institutions
6 Requires customers to use a PIN
7 Institutions that give installment loans to consumers
8 A feature of modern banking that allows you to transfer, deposit and withdraw money 24 hours a day
9 Type of bank which originally introduced NOW accounts
10 A banking system that only keeps a portion of the funds on hand and loans out the remainder

A. Fractional Reserve Banking
B. Principal
C. Automated Teller Machine
D. Debit Card
E. Commercial Banks
F. Savings Banks
G. Federal Reserve System
H. Credit Cards
I. Default
J. Stored Value Cards
K. Mortgage
L. Money Market Mutual Funds
M. Finance Companies

We are interested in a 3 unit property on the same plot of land. A friend of mine just bought a 9 unit where 7 units were in one building and 2 were in another. He was able to get one commercial loan for the 7 units and a residential loan for the other. So if there is a property we are looking at that has 3 separate buildings, could we get three separate loans? There is one house and two cottages.