Informacje finansowe

Vijay asked:


I need to know the importance of the Banking sector in an economy and what role they play in the economy?

Michelle65 asked:


I really want to start trying to have a baby but money is the biggest problem. Do you need money saved? How much does a baby cost?

interested CAer asked:


I am a sophomore in highschool and next year I will be able to do the nursing program. I want to become an OB nurse. I will go to school for 4 years so I will then have my masters. How much money, then, will I be making?

Money Rain asked:


How much money will I get when i work my own business in video productions in:weddings, fashion shows and events.

How much money per day and per month and per year.

coolio russian asked:


How much money does a farmer get for selling one chicken? Also how much money does a farmer get for 1 dozen of eggs.

Stephen Bush asked:


With the increasingly chaotic investment climate for residential financing in the United States, more residential real estate investors are exploring commercial property and business finance opportunities. It is important for prospective business owners and investors to educate themselves about options for the business loans and commercial mortgages they will be needing.

Environmental requirements for business finance will be a complex issue for numerous business investments. Environmental issues involved in a business loan will primarily depend upon the commercial lender as well as the type of business. More extensive requirements can impact both the cost and timing for a commercial mortgage loan.

Tax returns and financial statements for a business loan are likely to be a concern for all commercial borrowers. Whereas residential mortgage financing is likely to involve only personal tax returns, most business financing will include a review of business tax returns as well. Business financial statements and personal financial statements will be required for certain kinds of business opportunity financing and commercial real estate financing.

Secondary financing will often be a means of acquiring desired commercial loans. The use of seller financing or secondary financing is a prudent business financing strategy to reduce capital requirements for the borrower. Secondary financing will not be accepted by all commercial lenders.

An unexpected requirement for many commercial loans involves sourcing and seasoning of funds. When purchasing a business, some lenders will require that borrowers document where the down payment is coming from (sourcing) and how long the funds have been in that location (seasoning). If a borrower cannot adequately provide this documentation, the choice of commercial lenders will be more restricted.

Collateral and cross-collateralization for business loans will be an insurmountable obstacle for some commercial borrowers. Collateral requirements for business financing will depend on many factors such as down payment, type of business, credit scores and the type of financing needed. Cross-collateralization refers to lender requirements involving personal collateral such as a home used as collateral for a business loan.

Any requirement for a business plan when obtaining commercial mortgages is likely to be expensive and time-consuming. A business plan is not always required for a business loan, but when one is required this will add significantly to the cost and length of the loan process.

An increasing problem for commercial borrowers seeking refinancing is an unreasonable limitation for getting cash out of the new loan. Commercial lenders differ significantly regarding restrictions imposed on the amount of cash out to the borrower when refinancing. Some lenders will not permit any cash out whatsoever while others will limit cash received by the borrower to a particular amount. The preferred approach is to use a lender that will allow cash to be paid out up to an agreed loan-to-value (frequently 75%).

It is important to to thoroughly analyze business financing lockout penalties. A lockout penalty is much more severe than a prepayment penalty in that such penalties can effectively prevent a commercial borrower from selling or refinancing during a prescribed period (often two to five years).

In addition to the issues noted above, numerous other key business finance and real estate mortgage issues will also be important to evaluate. Commercial mortgage requirements are very different from residential financing requirements in the United States. We have prepared several other business finance overviews addressing additional factors that will be significant for most commercial borrowers. Separate report topics include SBA loan refinancing, business opportunity financing, stated income business loans and commercial appraisals.

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Leslly A asked:


I’m going to england with my choir in july and hotel, transportation, and food is paid. I just need money for souveniers how much money should i take?

Ria asked:


Lots of people all put the same amount of money in each and then someone goes to the bar to get the drinks with the combined money. What is that called?

chrissy4568 asked:


I was wondering how much money is required to go through customs when traveling to Canada from the US? My boyfriend is coming to stay all of July and maybe a week in August this summer, but isn’t going to have alot of money when he comes. Would they deny him entry to Canada if he didn’t have enough, even though I’d be supporting him? Thanks for your answers everyone.

Stacy asked:


I’m doing my capstone project in management, and we are working with a local bank to develop a strategic plan for them. One thing they are wondering is what the younger generation would like to see as far as products or services that the bank provides. Do you guys have any ideas related to technology, online/text message banking, personal finance classes, customizable debit cards, etc? What options would you like to see at your bank? Or those of you that bank at larger banks or internationally–what new innovative things do your banks have that we could look into starting at this small bank?