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Funding for commercial property real estate investments are provided by Peachtree Financial Partners, Inc., a leading commercial real estate lending and investment company specializing in commercial real estate ownership and investments. Peachtree ...

Commercial Real Estate Lending Opportunities Offered by Peachtree ... - Transworld News

Commercial property investor Tishman Speyer says its US office fund has lost ten per cent of its asset value, bringing the fund close to three thresholds under loan covenants. The fund manager said on Wednesday that its portfolio of 18 US commercial ...

Stock & fund quotes - ninemsn

LONDON -- Despite his high-profile loan move to AC Milan, the fizz could be evaporating from David Beckham's commercial appeal after ending a 10-year deal with Pepsi. "David's football legacy will live on and everyone at Pepsi will continue to be as ...

Pepsi ends commercial relationship with Beckham - ESPN.com

Sofia. With 60% less are the issued credits from commercial banks to companies and households in November this year comparing to the same period of time last year. Information presented by BNB reveals this. Volumes of issued loans for the last month ...

Record loan decrease - Focus Infomation

Lenders take up loan recast proposals through the corporate debt restructuring (CDR) mechanism. At the last meeting of the core group of CDR, earlier this week, bankers said that real estate cases could soon come to the forum as companies were facing ...

Banks for loan recast flexibility - Business Standard

LONDON (AP) -- Despite his high-profile loan move to AC Milan, the fizz could be evaporating from David Beckham's commercial appeal after ending a 10-year deal with Pepsi. "David's football legacy will live on and everyone at Pepsi will continue to ...

Pepsi has ended a 10-year commercial relationship with David Beckham - CNN Sports Illustrated

* Integra Group and EBRD sign agreement for a loan of up to US$ 300 million * Integra Group, a leading Russian independent provider of onshore oilfield services and manufacturer of oilfield services equipment, announces the signing of a loan ...

BRIEF-Integra says signs $300 mln loan agreement with EBRD - Forbes

NEW YORK, Jan 6 (Reuters) - Moody's Investors Service on Tuesday downgraded ratings on Wells Fargo and Co. on concerns that the bank's acquisition of Wachovia Corp has undermined its credit quality as it takes on the additional risk of Wachovia's ...

Moody's cuts Wells Fargo after Wachovia deal - FXStreet.com

Open Question: What are the current commercial mortgage interest rate?

I have a commercial loan. I am paying 7.25% the balance is 375000.00 What is the currant rate? My banker is beating around the bush when I bring up the subject. more

Open Question: I want info. on how to do a loan Modification?

I have been having a hard time with Mortgage these last few months. Since the value in my neighborhood has went from the original $130.000 to a $240,000 to now a $80,000 . I have been hearing commercials on the talk radio that I listen to in Phoenix, and it talks about being able to lower principle owed on house to lower payment. My question; is there a such program and if there is could someone explain to me so I could lower my payments. I have a 6.75 fix and owe $125,000.. have talked to bank about this because I couldn't make the Nov. Or Dec. payment to see if they would help me in some way. They said no.. I have brought mortgage to a current status for now but would like to see if I could do something about lowering my house note. If anyone has any info. on how to do this Modification, I would appreciate your help.. Thanks more

Open Question: Arizona - Insurance & Mortgage?

I am a licensed commercial real estate agent in phoenix, az, and am interested in providing insurance and mortgage services to my clients,essentially I want to be able to shop 5 lenders/insurance companies to provide my clients the best deals. How do I identify 5 banks/insurance companies that do commercial transactions? How much money can I make by providing these additional services assuming that all transactions are more than 300K ( for loans + insurance) Thanks more

Resolved Question: I have seen a commercial for houses owned by the city and you buy them just for the taxes owed?

The commercial says that if someone owns a house and doesnt pay the taxes, the city gets the house, not the bank (if the loan hasnt been being paid either) and that the city will then turn around and sell it for just those taxes, meaning a house may be worth 100k but the taxes were only 2k so the house is sold for that. This is in america only that I am asking about. Has anyone heard of any such thing actually being true? If you have, any and all info you have please!Is it all laid out there to see, as in the details? Such as all fees and other costs you will have to pay? One person said you still have to pay the mortgage, would it come right out and say that, and how much it will be? more

Resolved Question: Could you please check my English grammar, please?

The business model of investment banks with high leverage has collapsed due to the sub-prime loan shock, and it has forced them to adapt the universal banking system. Re-regulation and intervention by governments for the financial industry are expected. Thus, the common business model would be something similar to deposit base commercial banking model. The industry must significantly consider compliance and regain market credibility. Furthermore, it is anticipated to promote activities of various industries and individual life by making the good flow of money resource. more

Voting Question: How do I get a loan on a non-conforming residential property?

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. more

Resolved Question: What happens when the Federal Reserve vends aka sells a GOV security to a commercial bank?

1 the cash reserves of the commercial bank decrease. 2 the loans of the commercial bank will increase. 3 the net worth of the commercial bank increases. 4 the government owes more money and the national debt increases. or 5 the balance sheet of the commercial bank is thrown off balance.Please pick 1, 2, 3, 4, 5 thanks more

Resolved Question: Am I the only one that gets angry by commercials where husbands give their wives cars with big bows on them?

Because all I can think when I see them is how I would sooo kick hubster's azz for taking out another loan.Good husbands don't typically hide large sums of money from their wives for any purpose. more

Resolved Question: Back Door Auto Bail Out . . .?

While we were all fighting over the merits of the American auto worker . . . The Fed has agreed to finance auto loans via debt . . . that is the Fed will now purchase commercial grade debt based on automobile loans . . . with inventory as collateral . . . that's right INVENTORY is now collateral . . . let me spell it out for you . . . as part of the auto bail out you are now financing excess, unwanted inventory so that auto dealerships can now purchase additional inventory . . . what does this do? . . . it creates a false demand for the auto worker employment . . . that is, the Fed is ensuring that the car companies are able to keep producing unwanted and unneeded inventory in order to avoid job cuts . . .which in turn keeps the unwanted inventory at inflated prices . . . And I beat up on management as well . . . so don't post the normal your just anti-union nonsense . . . Do you feel betrayed that the real cost of the bail out was not presented to you in a transparent manner?And to clarify . . . there is now no way the government will allow bankruptcy because if that happened the government would receive the CARS and TRUCKS as repayment . . . not cash. more

Voting Question: what is the name of the company that refinances car title loans?

I ran into some financial problems lately. Stupidly, I went to a car title pawn. Big mistake. I pawned my car title. I once heard a commercial on the radio that refinances car title loans. At the time I was not interested. Now I am. Does anyone know of a company that refinances title car loans? Is there a website? Thanks for your help. more

Resolved Question: real estate developers share of the bailout money?

Here's a clip from the AP story:Commercial real estate developers said Monday they also are petitioning the government for support from the $700 billion rescue fund. The Real Estate Roundtable said an estimated $400 billion of commercial real estate mortgages will come due by the end of 2009 without adequate refinancing options. Industry officials said thousands of office buildings, hotels, shopping centers and other commercial buildings could be headed into foreclosure or bankruptcy unless the government provides support. Jeffrey D. DeBoer, president of the Real Estate Roundtable, said the industry has written to federal officials asking to be included in a new $200 billion loan program being run by the Federal Reserve, with support from the financial bailout program, to bolster the market for credit card debt, auto loans and student loans. DeBoer said the commercial real estate industry would like to see that program expanded to cover their properties or have a similar program begun to help their industry. So I had to ask Banks car companies and now maybe commercial real estate developers... So where will the government getting around to helping those in real need... American families???Well said Toopy but I still have to point out these are the very same people who landed us in this mess and they rather then step-up and try to fix the mess they made the go whining about needing more money because we little guys can no longer afford their services. more

Resolved Question: I was awarded only 7,500 by a jury in a auto accident case what can i do ? ?

I am 27 years of age i live in NJ the reason for this email is because i need some advice or help I've was involved in a auto accident heading to work on I-295 i was the front seat passenger in a mini-van when i was struck from behind by a commercial truck from a company named secure triaxle i've sustained various injuries because of this accident following the accident i've hired an attorney Joseph M Marrone whom has offices in Camden NJ and Locust Street in Pa where he sent me to a Chiropractor in which i've was treated for for my various injuries such as back pain ,thighs and others 4 times a week over the course of 10 monthes i've also recieved pain management from a D.O at the same building as the Chiropractor the name of the D.O was Dr. Zeid and the Chiropractor Dr. Benn located at 1014 broadway in Camden NJ during the course of the 10 monthes i was unable to work but before the accident i was employed at Occupational Training center in westhampton NJ so during the course of the 10 monthes in which i was unable to return to work because my job as a laborer requires me to stand for 7 hours a day and now that i have back pain i can no longer preform my job therefore leading to me having to borrow a cash advance through my attorney's Firm the name of the Cash advance company he reffered me too was Us Claims i've took out a cash advance of 5,000 thousand dollars over the course of 2 and a half years the interest has compounded to as of November 9th 2008 the Cash Advance loan stands at almost 12 thousand dollars so i had a arbitration hearing July 29th 2008 in which the arbitration awarded the case value at 20 thousand dollars it was appealed by secure triaxle the company i was suing for my lost wages , pain and suffering and others then Secure triaxle made a offer of 10,500 i was told by my attorney that works on my case Michael Pomerantz that if i was to have settle for thet amount i've would not had seen a dime because of the cash advance loan from US Claims that i've borrowed through my attorney so recently my trial date was Monday December 15th 2008 imy attorney Michael Pomerantz has told me this case will be trial by a Jury and no matter what the decision is that there is no way i can file an appeal therefore the judge advise my attorney and Secure triaxle to come to a settlement of 15 thousand dollars in which did not happened secure triaxle stood firm at 10,500 so Tuesday we've started to pick the Jury they're needed to be 8 Juror's for this trial in which the case did started with 8 but because of a family emergency 1 of the juror's had to leave and was unable to continue her duties as a Juror therefore we've proceeded with 7 after my Testimony was my Dr Testimoney the D.O i've seen during the course of 10 monthes Dr. Zeid his Testimoney was very bad and then the driver of the truck Clifford Grey Testimoney was next he basically told how he did not hit his brakes or blew his horn before ramming his truck into the van in which i was seated causing him to be liable for this accident then we've ended the day on Wednseday with my Uncle Testimoney just discussing how he has to help me with many things now that i can not do these things for myself and of course Secure Triaxle Doctor whom they send me too his name is Dr Goldstein he specializes in orthopedic then after that they're was the attorney's closings and then the judge Louis Meloni gave the rules of the Law and something he said was if the Jury do find the driver of the vehicle Clifford Grey Liable then they can go on to question 2 which asks did Mr Clayton sustained a injury from the this accident and both of the them questions were checked by the Jury in 7-0 decision however the last question asks ihow much should be awarded for the plantiff and in a 6-1 vote the Jury wrote 7,500 dollars that is 3,000 dollars less then what Secure Triaxle was offering me i really need some help i believe something went wrong and i need some legal advice quick please help me more

Resolved Question: 17 - If borrowers take a portion of their loans as currency rather than checkable deposits, the maximum amount?

Question: If borrowers take a portion of their loans as currency rather than checkable deposits, the maximum amount by which the commercial banking system can increase the money supply by lending will: a) decrease because the legal reserve ratio varies directly with the amount of currency in circulation b) increase because currency is the basis for all checkable deposit creation c) decrease because the amount of reserves transferred to other banks will diminish d) increase because commercial banks can lend by the reciprocal of the amount of currency in circulation more

Resolved Question: Mortgage loan modification?

Do you think a mortgage co. is likely to do a loan modification on a commercial property to avoid foreclosure? more

Resolved Question: Do you think it's fair that I must give up my corporate jet and high pay to get a government loan?

I am an executive at an auto company; for confidentiality reasons, I won't mention which one. I think it's an outrage I have to give up my jet! How do you expect me to get around? Drive? Commercial? Do you know how stressful first-class is these days? The stewardesses are ugly, and they don't give favors my usual ones do! And now, knowing that many of my benefits and pay will be cut, I don't know how we will get through the winter. My daughter will have to settle for Stanford instead of Princeton. We will have to cut back eating at Tribute to 3 times a week, from 4. I'm having to lay off 1 of the maids. I think I can say I feel the pain of most of Detroit's working class. I'm sorry.Brrrr...it's so cold in the Grosse Pointe mansion! Stanford is an abomination; my daughter will become one of those hippies.Tribute, if you ever want to go in Detroit, is a great restaurant. Here's the website: http://www.tributerestaurant.com/ It is a bit pricey. more

Resolved Question: Can a Canadian lender makes loan to US commercial property without license?

There is a Canadian lender which is willing to makes loan for my commercial property but I wonder if they can do that without US license? more

Voting Question: Use the following balance sheet for the ABC National Bank in answering the next question(s). Assume the ...?

Question: Use the following balance sheet for the ABC National Bank in answering the next question(s). Assume the required ratio is 20 percent. Assets: Liabilities and net worth reserves 27,000 Checkable deposits 110,000 loans 50,000 capital stock 200,000 securities 33,000 property 200,000 refer to the above data. This commercial bank has excess reserves of: a) 0 b) 3,000 c) 12,000 d) 5,000 more

Voting Question: I need a big student loan, where should I go? ?

Okay the college I am going to requires me to get my commercial pilots license in order to graduate. It will cost almost 40,000 dollars to get this. Also I need another 18,000 to pay for the college itself, so really its a loan of 58,000 or you might as well just say 60,000. I have a pretty good credit score but I won't be able to pay it off until after college and I need all the cash right now. Where should I go to get such a loan? Thanks more

Resolved Question: If borrowers take a portion of their loans as currency rather than checkable deposits, the maximum amount by.?

Resolved Question: If I qualify for resid loan, how can I buy a cashonly 'commerc.zone' property?-has 1 office & 1 house in deal?

I qualify for residential loan and I currently own a home..someone said I could use the equity...I'm new at buying a commercial property and I simply want to use 1 of the buildings for an art gallery and the other building as a small house...the other building is already a "house" w/ bedroom, kitchen, bathroom, etc. The property is in Harris/Houston...they have very few zoning restrictions as it is. more

Resolved Question: what types of loans can a commercial bank make that a credit union cannot?

Just trying to get some background info before i chose more

Resolved Question: Why Did GM'S Business Plan Not Include A Cash Flow Analysis?

I have a sneaky suspicion GM didn't want us to see where all this money will go. Any bank, as part of a commercial loan application, requires a cash flow projection. The Congress needs someone with banking and or accounting credentials to review the business plans. more

Resolved Question: Do you think anything will come of the investigation into the Rezco/Obama land deal?

http://www.washingtontimes.com/news/2008/oct/18/whistleblower-hits-obama-friends-appraisal/ "In a complaint filed Thursday in the Circuit Court of Cook County, Kenneth J. Connor said that his reappraisal of Rita Rezko's property was replaced with a higher one and that he was fired when he questioned the document. Mr. Connor, a real estate and commercial credit analyst at the Mutual Bank Corp. in Chicago, also noted in the complaint that the bank received a grand jury subpoena in October 2006 requiring it to produce information concerning Mrs. Rezko's purchase, including the bank's files on the property. The complaint also said that the grand jury wanted information on Mrs. Rezko's checking account and loan file and that the Federal Deposit Insurance Corp. (FDIC) had audited the Rezko file - although Mr. Connor's lower reappraisal had been replaced with a higher amount. " more

Resolved Question: When the Fed conducts an open market operation (OMO) with the general public, the impact on the money supply i?

True or False: When the Fed conducts an open market operation (OMO) with the general public, the impact on the money supply is smaller than when the Fed conducts the open market operation with a commercial bank. (Hint: assume that all commercial banks are fully loaned up.) more

Resolved Question: Macro Economics help!?

Suppose the T-account represents the balance sheet for Large Bank, a commercial bank in an economy where the central bank is called "the Fed." For simplicity, assume everyone uses checkable deposits rather than currency for money. Assets----------------------- Liabilities Reserves$60,000Checking Deposits$600,000 Loans$400,000 Bonds$140,000 Suppose all commercial banks in the economy hold just enough reserves to comply with the Fed's reserve requirement. What is the required reserve ratio? I need serious help here! Please! Help me guys! =3 more

Resolved Question: Large single family Victorian home, converted into 7-unit multifamily rental property. Commercial loan?

I am looking at purchasing a LARGE, older Victorian home that has been converted into 7 separate units. I will be seeking a loan but since this home was once a single family, converted into multifamily greater than 5 units, will I be looking for a commercial loan as opposed to a residential loan? Any suggestions on commercial brokers if it is commercial? The property is in Tennessee. more

Resolved Question: I'm trying to refinance a commercial loan, any advice?

Resolved Question: What are the "secrets" credit card company don't want us to know?

I keep hearing a commercial about a company that claims they can wipe out credit card delinquencies without the customer having to take out loans or even pay the balances. Is this true? It sounds crazy. more

Resolved Question: Question for commercial banker about a commercial mortgage?

I am selling an office building and I want to make money off the mortgage itself if possible. Hopefully someone who does commercial loans will read this. Is there any way I can work with a commercial lender to try and sell a mortgage from them, instead of just sending the buyer out on their own to go get a commercial mortgage? Just so there is no confusion, I am not looking for a commercial mortgage. I am the seller of an office building looking to also make money off the mortgage if I can get the buyer to go with a mortgage lender of my choice, if this is possible. more

Resolved Question: Do you think Ford or GM's bailout plan is better?

Ford notes that their company has sufficient liquidity to survive the economic recession as long as it doesn't last too long, but requests a $9 billion "stand-by" line of credit in case they need it. Ford's plan focuses on plug-in hybrids and electric vehicles, not mentioning hybrids and only briefly mentioning biofuels (flex-fuel vehicles). "The next major step in Ford’s plan is to increase over time the volume of electrified vehicles, as battery costs improve and as the transition from Hybrids to Plug-in Hybrids to Battery Electric Vehicles occurs. Next month at the North American International Auto Show in Detroit, we will discuss in detail Ford’s accelerated vehicle electrification plan, which includes bringing to market by 2012 a family of hybrids, plug-in hybrids and battery electric vehicles. Our work will include partnering with battery and powertrain systems suppliers to deliver a full battery electric vehicle (BEV) in a van-type vehicle for commercial fleet use in 2010 and a BEV sedan in 2011. We will develop these vehicles in a manner that enables us to reduce costs and ultimately makes battery electric powered vehicles more affordable for consumers." http://online.wsj.com/public/resources/documents/Ford_Motor_Company_Business_Plan122008.pdf GM asks for an $18 billion term loan, including up to $10 billion by March '09. "GM will launch the ground-breaking Chevrolet Volt in 2010. As indicated in Table 8, GM is investing over $750 million in the Volt and its propulsion system, prototypes of which are currently on test at GM‘s Milford Proving Grounds. An extended-range electric vehicle, the Volt will deliver up to 40 miles on a single electric charge, well within the daily commute of approximately 80% of Americans." "General Motors will also continue to invest in hydrogen fuel cell technology" "The Plan includes further increases in flex-fuel and hybrid-equipped vehicles. In 2012, over 50% of GM‘s new vehicle sales will be flex-fuel capable. Regarding hybrids, GM offers six models today – more than any other manufacturer – and will introduce the VUE Two-Mode hybrid, along with the Silverado and Sierra hybrids in 2009. By 2012, GM will offer 15 hybrid models." http://gmfactsandfiction.com/wp-content/uploads/2008/12/restructuring-plan-for-long-term-viability.pdf http://climateprogress.org/2008/12/02/bailout-plans-ford-drops-hydrogen-cars-while-gm-remains-confused-about-ethanol/#more-4345 What do you think of these plans, and whose bailout plan do you prefer? more

Resolved Question: Economics question about the federal reserve!?

Which of the following is NOT a function of the Federal Reserve? A. Making loans to banks B. Regulating commercial banks C. Controlling the money supply D. Making loans to businesses for investment more

Resolved Question: Whatever happened to the woman selling her virginity?

I missed the (Tyra Show) when they had this girl on selling her virginity. I was wondering did she really go through with this insane idea to make money for college. I mean GROSS! I remember the commercial of this really nasty old man who was one of her bidders. Who in their right mind would do something like this, there are ways to get money for college and its called student loans. If anyone seen the Tyra Show can you tell me what happened. Selling your vaginity for money is prostitution. I don't see how you don't see this, because selling your body in general even once like this case is called prostitution.Health Food Junky I totally agree. I think I puked my entire bodily organs up. Thinking about it now I'm trying to keep them down again.Is it just me or did the guy look like a giant pickle with glasses who was rejected by the jar. PUKES.............. more

Resolved Question: business questions homework?

Which are the two major fields of accounting? [a] industrial and consumer [b] primary and secondary [c] financial and managerial [d] public and private Money frees society from a system of barter. In doing so, money is performing which of the following functions? [a] medium of exchange [b] determination factor [c] store of value [d] unit of account “Did you know that you can’t use the financial institution unless you work for the phone company?” Such a question would normally refer to _____. [a] a mutual savings bank [b] a commercial bank [c] a credit union [d] a saving and loan association more

Voting Question: Marriage. College. Jobs. Advice?

My husband & I got married in March 2007. We are not having marital problems or anything like that. We're doing great (in that manner). He is 25 years old & has his bachelors degree. He's still working at the same job he had in college (cell phone rep). He has applied for about 65 jobs in the last year & hasn't been able to find a new job. His degree is in commercial aviation. He has a private pilot's license, but he doesn't want to fly for a living. He didn't realize that in school. He's planning on starting grad school for his MBA in January. I'm a senior in college, but not graduating till next year. I'm taking 18 credit hours a semester and absolutely do not have enough time to work b/c my grades will suffer and I'll lose my scholarships & financial aid (it happened last year...). His loans are at $103,000 & they're over a thousand dollars a month to pay back. Money is VERY tight right now and he's always stressed out. We don't use credit cards. Our cars are paid off. We're renting the cheapest apartment we can find. We're able to pay all our bills, but we never have any extra money. And he feels very insecure about it. I always try to encourage him. I don't complain about it (not often anyway). He's just always so bummed & feels worthless b/c all his hard work & education = nothing. Ideally, he'd like to get his MBA in leadership & work for an airline or aircraft manufacturer (like Lockheed Martin). I know we're only in our 20's & life will eventually get better. But he has a hard time realizing it. I grew up poor, so this is nothing new to me. But his family lives in an amazing house by the beach & make big $$$$$$$, so he struggles with the concept of being poor. What would help him? Should he see about using anti-depressants or something? Life is going to be like this for at least 3 years... more

Voting Question: What kind of food can I sell at craft shows?

I already have a commercial kitchen that can be "loaned" to me or in other words, I have a friend who has a restaurant. I want to kind of take advantage of that. Not many people have that opportunity. Do you think candy? Or chocolate? Or carmel apples? more

Resolved Question: What do you think of my imaginary economic system?

1. Nationalize the Federal Reserve so it becomes the forth branch of government or is absorbed into the treasury. 2. Increase the reserve requirement to 3:1. 3. Pass regulations requiring that any financial sector companies (such as commercial/investment banks) so that if they become insolvent, the CEO gets stripped of all assets, and the board of directors must forfeit half of their wealth. 4. create laws that greatly reward people for snitching on said CEO's if they get funny with the books. 5. Have the FED create only 3% additional cash money each year, this will become "emergency loan" money for any banking/industrial giant that is "too big to fail" beyond that 3% of all circulating money, if it's not enough said companies go bankrupt, capitalism was never meant to be easy. If the "emergency loan" money is not lent out, it's simply added to the tax revenue for the year. (for any people out there who wanna complain about the inflation this will cause, the central bank prints tens of trillions of dollars for new loans to the financial sector every year, I'm talking about keeping this to a sane level) 6. There will be instances where the government wants to break the 3% barrier, in this case it must go to a referendum to be voted on by the public, if they vote "no free money" then that's just too bad. 7. Ban the government from borrowing money from foreign countries. 8. when people vote in the referendum, to prevent it from being fixed, everyone gets a vote receipt with a vote number on it, they can check it online to make sure the vote matches how they actually voted (can use this for elections too). 9. Pass constitutional amendments backing all of this up.N. Cognito, I've been thinking about this for a while, and I AM an 'end the fed' kinda guy, but the global bankers always come in and buy enough influence to set up another central bank, I figure this way, they can't do it because there is already a central bank, and we'd be able to control it through the legislation that I posed.Sageandscholar. I specify the financial sector because it has the most influence over the other sectors, companies like Enron managed to hide it's debt so effectively because the financial sector made so much easy credit available, and with a reserve ratio of 3:1 instead of 50:1 there would be a lot less to lend, IF we can keep them honest, but you're right, I probably should make it to cover the whole economy, I just figured it would be too hard to implement that way. on the 3% thing, I may be off on my figures, I know the FED doesn't report M3 anymore, maybe it should be less than 3%, but regardless of that, currently the banks multiply everything by 50, so it's a lot worse than that, either way the reserve requirement MUST go up.RebelliousScot. I wouldn't bother, Obama is not interested in fiscal responsibility, and if you think he is, you need your head examined, he wants to implement a UN tax AKA the global poverty act, he wants to double foreign aid, he wants to expand the military (you might not think so, but the military WILL be expanded, just not in Iraq) he has consistently shown support for any and every fiscally disastrous bailout proposal, he wants to dramatically increase domestic spending, I could go on and on, seriously, give up on Obama, he's exactly the same as every other dirty lying politician.InsideR "That's the opposite of what we need. History shows us that if we over-regulate, our country will fall further and further behind (case in point: 1929). I believe that the Treasury, Fed and FDIC are doing a great job in handling this crisis." You sir are a bloody moron, The Fed is in charge of artificially increasing the supply of credit outside of the natural forces of the free market, they caused the economic bubble leading up to the depression, and then proceeded to tear the economy a new one by forcefully contracting the money supply, the other part of the equation was the governments interference in the private sector which only exacerbated the problem, I'm not talking about regulating free market participants, I'm talking about preventing out right theft at the hands of the international banking elite, go lobotomize yourself, dumba55. more

Resolved Question: Macro Econ Question:T Account Question?

This is the T-account for National Bank, the only commercial bank in the country. The reserve requirement, set by the Federal Reserve, is currently 20%. Use this information to answer the following questions. Deposits $2,000,000 The Federal Reserve buys $100,000 worth of bonds in open-market operations. Assume that all funds are deposited into accounts at National Bank. What is the new level of reserves, assuming the level of loans remains unchanged? the answer is 500000 how did they get that? I got 420,000 cause i added 100,000+200,000 then multiplied by .02 more

Resolved Question: Using a credit card to raise your credit score?

I was thinking of using a credit card to raise my credit score. I HAVE money. So questions--- How fast do I need to pay off the credit card bill before it starts collecting interest? Or does it start collecting interest immediately? I see commercials "No interest until xx date" So does that mean that if I got a credit card, I could have money sit on it for 6 months or however long the date is before it started collecting interest? or something? I dunno. I've never had one before. Never needed it. But I'd like to raise my credit score.. because I can't get any student loans without a cosigner and my family will not cosign for me at all. Right now my score is 651, 659, and 602 (equifax is prejudice I think) more

Resolved Question: Can I get a bailout if the banks can?

Seriously. Can I get a bailout? I have a substantial mortgage payment, bills, and student loans that I'd love some help with. Aren't the American taxpayers collectively, "too big too fail"? Who the hell is going to bail us out with all this shitty commercial paper that these banks were peddling. more

Resolved Question: Does anyone find it amusing that Citi still has commercials running...?

where it calls itself a bank that makes dreams become reality? Personally, I would run from any bank that says that about itself. Loaning out money to anyone who has an idea does NOT make it a good bank. more

Resolved Question: Whose fault is the economic crisis anyway?

So let’s look at how we got here: ILLUSIONS Big part of what makes the American Dream is hope. However unrealistic, uneducated, and misinformed choices replace hope with illusions. Buyers had the illusion that homes would always keep increasing rapidly in value. However, they failed to understand that the real estate market has cycles. Some of the factors that create a change in the market are increased amounts of supply or demand, deregulation of the financial industry, easy and available credit, low interest rates and much more. People who bought homes they could not afford did it because they saw an opportunity to “invest” their life savings and achieve the American dream. They viewed this opportunity as attainable because banks made it possible, unscrupulous agents/brokers made them believe it was possible, and because they lacked the knowledge necessary to understand the responsibilities, risks and benefits of owning a home. Other illusions buyers had was their wages. The had the illusion that their wages would go up enough year after year to cover their ever increasing debt due to a lavish life style. This illusion, the lack of financial education and self-control allowed for people to live well beyond their means. Today people, banks, and our government are drowning in debt. CREDIT Competition in the market forces business to improve on their products and allows the consumer to purchase those products at affordable prices. However, competition between banks in a booming economy and low interest rates created a credit bonanza. Instead of banks improving on their products and services, they began utilizing creative financial tools to attract more borrowers. They also lend money to risky borrowers with little regard of their qualifications. Anybody that had a pulse could literally get a loan. Banks can’t accommodate the demand for credit only with their money reserves. So if they want to lend more money, they sell these mortgages to commercial banks and Wall Street lenders. Financial Crisis: Who's Fault Is It, Anyway? Doesn't matter. Because just about everyone is to blame. Republicans opened the door through debt-based credit derivatives and deregulation. Democrats further contributed by turning a blind eye to Fannie and Freddie and insisting that even those who couldn't really afford mortgages be allowed to get them. The Bush Administration touted consumer spending as a means to boost the economy, and encouraged reckless consumer behaviors with billions in "stimulus"money, all while fueling the national debt through a disastrous war and tax cuts for people who don't really need them. And, of course, greedy banks and mortgage lenders went along, doing their best to bilk whoever came through door for whatever they could get -- before passing the risk on to equally greedy investment banks and hedge fund managers. Consumers came along for the ride, abandoning reasonable financial practices and using credit to fuel materialism -- as well as making poor decisions by buying homes they couldn't afford with "creative" mortgage financing. Nearly everyone shares some of the blame. This is not the time to bicker over who is most at fault. It doesn't matter. The past is past. It's time to move forward and fix the problem. REALLY fix the problem. With practical solutions (that's right, follow the link for just one alternative -- and better IMO -- solution) that don't involve throwing a large, arbitrary amount of money at the problem. This is something that requires measured thought. And a change in how our society now views debt, money and the economy. There's no reason to rush into a bailout plan right now. Instead, a little more analysis is needed. more

Resolved Question: We want to setup a BPO business ? We are from finance sector ( Personal Car/Commercial Vehicle /Loan/RTO Insu.?

Resolved Question: How to calcuator the loan friends got in 2003?

My friends got $20000 Loan from me in 2003/10/20. It said being a commercial loan which bearing interest rate shall be Prime less one-half of one percent per annum on the unpaid principal balance. My friends have not paid anything back to me yet so far. I'm not sure How much balance I can get from them end of 2008. Could anyone help me with this calculator in the Excel? I'm confused! Please help. Thanks. more

Resolved Question: Can a commercial lender require you to use their products or services to get a loan - large project?

Large project 600 million gets an offer for funding based on equity position plus a requirement to use their construction products and services. Is this against the Uniform commercial code more

Resolved Question: Loan from limited corporation?

Can I borrow money from my own company without it being deemed income if I pay a commercial rate of interest? more

Resolved Question: I need help with math homework?

What was the principal of a commercial loan that carried a rates of 16% for a period of ninety days if the total interst paid was 14,000? more

Resolved Question: What is the reserve requirement?

Consider a small city-state with a central bank, which conducts monetary policy, and just one commercial bank, First City Bank, where customers can open demand deposit accounts. The table below shows the T-account for First City Bank. People have $500,000 in demand deposits at First City and $100,000 worth of city-state bonds. The bonds are not part of the money supply. Use this information to answer the following questions. AssetsLiabilities Reserves$100,000Deposits$500,000 Loans$400,000 8.1. Assume that the bank holds just enough in reserves to meet the reserve requirement exactly. That is, First City Bank is not holding any excess reserves. What is the reserve requirement? % Please enter a whole number, with no decimal point. more

Resolved Question: The Monetary System II?

Consider a small city-state with a central bank, which conducts monetary policy, and just one commercial bank, First City Bank, where customers can open demand deposit accounts. The table below shows the T-account for First City Bank. People have $500,000 in demand deposits at First City and $100,000 worth of city-state bonds. The bonds are not part of the money supply. Use this information to answer the following questions. AssetsLiabilities Reserves$100,000Deposits$500,000 Loans$400,000 8.5. Again, after the central bank buys bonds from the public, people deposit the $50,000 in proceeds in their accounts at First City Bank. Assuming the bank holds no excess reserves and all loans are redeposited in the bank, by how much will the money supply have increased after the money multiplier process is complete? A. $250,000 B. $800,000 C. $50,000 D. $500,000 more

Resolved Question: What is the money multiplier equal to?

Voting Question: What's your plan to save the US economy right now?

Here's my plan: 1. No more free bailout money for anyone. Instead, US government gives banks vouchers to loan money to private businesses. The banks must loan the taxpayers' money within 120 days to a credit worthy (independent rating) business or they lose the voucher. The bank must have a stake in the creditworthiness and debt repayment of the commercial borrower (perhaps by withholding percentage of earned commission over time). Essentially, the banks become accountable, commission-based middlemen for government loans. 2. Government demolishes vacant homes in 'designated' housing crisis cities such as Stockton, Tampa, Phoenix, and Las Vegas. The HUD secretary should convene a meeting of city mayors to come up with a plan to condemn vacant homes and blighted properties, and to ratchet up building code enforcement to remove questionable vacant homes from the market. 3. Cut capital gains tax to zero until December 31, 2010. That's right. No one pays one cent of capital gains tax on any capital gains earned from January 1, 2009 to December 31, 2010. However, short swing transactions still pay ordinary income tax rate to discourage short selling and speculation. Thereafter, phase back tax increases until they return to current capital gains tax rate of fifteen percent. In addition, after 2010, no capital gains tax break for foreign companies and foreign entities. If you want to gamble in the U.S stock market, you have to pay the vig to Uncle Sam starting in 2011. 4. Extend unemployment insurance benefits for six months. 5. Methodical and rational troop draw down in Iraq to save US taxpayers up to $10 billion dollars per month. Apply some of the saved money towards giant infrastructure and public works programs here in U.S. 6. Repeal the Bankruptcy Reform Act's means test provisions. Allow Chapter 7 petitioners to discharge all debts owed to creditors, and not be forced into Chapter 13 reorganization plans. 7. Prohibit all foreign companies from bidding on government contracts until 2012. more