Finessing the Financing – Navigating the Current Real Estate Buyers Market Part I

Every one is talking about the foreclosure crisis and the slump in the economy. With all the despair surrounding our Nations economy how is one to take advantage of this once in a lifetime buyers market?

Patience, persistence, negotiation, and creativity in financing will be a good point to begin with. For most people going to the bank and asking for a loan is the only way they know how but this series of articles will give you insight on how to finance a home without initially using the bank.

The techniques are legal and are in use by investors. We learned these techniques to be able to finance the deals we have put together for the person with less than stellar credit.

Financing, until recently, was not the barrier. People were being given sub prime loans and are now paying the price of the sub prime lending scam. The loans were legal but they were a disservice to people, this is why I’m calling sub prime loans a scam.

Sub prime loans take advantage of people who are, one not informed, or two who have less than perfect credit. The techniques that will be in this article will not be scams of the sub prime lending. These are techniques you can start using today to help you be in a house in less than thirty days.

These are not sub standard property’s that are involved in the techniques of this article although the same techniques can be used on the less than desirable home.

For many Americans a few blemishes on their credit can keep them from homeownership. Many have sought the services of the credit cleaners, but still a few things may stay due to the nature of the type of account or length of delinquency.

With a conventional loan comes conventional thinking. In our current time and economy there is a call for unconventional thinking on the part of buyers as well as sellers.

One creative technique would be to have a seller carry the financing for either the second mortgage, if the buyer cannot finance the entire amount. Or the seller could carry a first mortgage if the buyer is really having trouble with the bank. Loans like these will probably become more common as the banks begin to tighten the lending requirements.

According to many analysts lending is not as tight as it is going to get in the very near future.

Of course the seller would only hold the note for a short period of time, unlike a conventional loan, which would be for thirty years. The buyer’s mortgage would be for three to five years. At the end of the time period the buyer would find the financing for the remaining portion of the loan. By that time the buyer should qualify for a refinance of the loan.

This is only one of the many ways to finance a home creatively and legally without the buyer or seller losing anything but gaining everything.

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Statistics Programming – Easing the Pain

Different sets of software are being developed everyday just to ease man with some of his technical works such as in the field of business. These programs are specially designed to make high speed calculations and analysis of the data and come up with a soft copy of information output that can be used instantaneously after the software processes it. Statistics is one of the most complicated clerical works of anyone who is studying or working in the field of economics, politics and even social matters. Statistics is deemed to be of importance because it gives a type of descriptive conclusion or interpretation that can be very precise depending upon the quality of data that has been gathered and the competence that is given to organize, interpret and represent that data. But even with the level of competence that a person has with regards to his statistical skills, there is still a probability that a miscalculation might be made and alter the holistic outcome of the statistics.

However, because of the rapid advancements of technology and the evolution of the functions that can be performed by the humble computer software developers has come up with a certain software program that can make ease any statistician of all their statistical tasks. The development of a program that is able to perform the task of organizing and interpreting statistical data was q revolutionary breakthrough when it comes to statistical analysis help. Statistics programming is defined as the systematic calculation of all the numerical data that has been downloaded into the system wherein it is organized basing upon the categories. These categories are classified upon the nature of the data that has been downloaded. After the process of organizing the data, it will be then interpreted numerically. This function of statistical programming helps to lessen the burden of work and also to maximize the output of a statistician.

Statistical program is composed of sets of languages. There are a total of 17 categories in a statistical program and these are the following;
• Analytica, ADMB
• Gretl, GAUSS
• Mathematica
• OxMetrics
• Quantum (Programming Language)
• Programming Language, SPSS, Symbolic Data Analysis, Sysquake, SAS (software and language), Speakeasy(Computation), SHAZAM (Software)
• World Programming System
• XLispStat

Each of these categories of Statistics Programs has their own unique sets of functions. Each one of it is capable of performing specific functions about statistics. The MATRIX LAB is one of the statistics programs that are widely used today. It is a program that is provided by a certain company that is said to be fully capable of solving ad coming up with solutions with regards to any mathematical or numerical problems that are fed into it. The MATLAB assignment helps not only statistics but also other aspects that majorly require the use of mathematical equations and solving. Because of these software programs, statisticians are given more time to pay attention to other details of the data and leave the organization and the interpretation of it to the statistics software.