Thursday, May 12, 2011

Mortgage and Loans - Mortgage Refinance, Home Loans

Mortgage and Loans - Mortgage Refinance, Home Loans

Proposed ICBC changes anger drivers, BC Government

Posted: 12 May 2011 02:25 AM PDT

May 11, 2011 VICTORIA – Higher gas prices aren’t the only thing threatening to lighten your wallet this summer. As /A\ News first reported weeks ago, the Insurance Corporation of BC has brought in a plan to charge so-called ‘bad drivers’ a higher rate for car insurance. But bad driving as ICBC sees it has drivers and the BC Government going off the road. Follow Shachi Kurl on Twitter – www.twitter.com

Mortgage REITs Primed to Take on GSE Assets – NAREIT’s Case on Housing Reform

Posted: 12 May 2011 02:25 AM PDT

www.reit.com The fate of Fannie Mae and Freddie Mac has been a hot topic of late, and one possible benefactor of assets coming off the GSEs’ books could be mortgage REITs. NAREIT Senior Vice President of Research and Industry Information Brad Case said any decisions that get made regarding the GSEs will likely be done cautiously and in a way that benefits the entire housing finance system while exposing the government to less systematic risk going forward. “It is probably safe to say that there will be less mortgages held on the balance sheets of those two GSEs, and that is where the mortgage REITs come in,” Case said. “They are one possibility for taking over much of the ownership of mortgages the GSE have been doing to date.” Partly in anticipation of these and other assets coming on the market, existing mortgage REITs have been very active in the secondary equity markets so far in 2011. “We have seen mortgage REIT investors very interested in the opportunities that mortgage REITs have going forward. And the mortgage REITs have raised capital to take advantage of those opportunities,” Case said. While there are a number of potential mortgage REIT initial public offerings in the pipeline, they have yet to come to market, Case said. He said that is due in part to the success existing publicly traded mortgage REITs have had in raising capital and positioning themselves to take advantage of opportunities in the market. “The other part of the story is that the origination of …

Settling On The Ideal Stockbroker

Posted: 11 May 2011 11:20 PM PDT

Depending on the type of trading that you would like to do, you may need to hire a broker to handle your investments for you. Stockbrokers work for brokerage firms and have the ability to buy and sell stock on the stock market. You may speculate if you really need a middleman. The answer is yes. If you intend to buy or sell stocks on the stock market, you must have a middleman.

Brokers are required to pass two separate tests in order to get their certification. These tests are very complicated, and most brokers have experience in business or finance, with a Bachelors or Masters College degree.

It is very important to understand the differences between a trader and a stock market analyst. An analyst literally analyzes the stock exchange, and expects what it will or will not do, or how particular stocks will perform. A trader is only there to comply with your guidelines to either buy or sell stock… Not to analyze shares.

Brokers earn their money from commissions on sales in most cases. When you inform your broker to buy or sell a share, they earn a set percentage of the deal. Many brokers charge a flat ‘per transaction’ fee.

There are two types of brokers: Full service brokers and discount stockbrokers. Full service brokers can generally offer more types of investments, may provide you with investment advice, and are usually paid in commissions.

Discount brokers typically do not provide any assistance and do no research – they just do as you ask them to do, without all of the bells and whistles.

So, the biggest choice you should make when it comes to stockbrokers is whether you want a full service stockbroker or a discount trader.

If you are new to investing, you may need to go with a full service broker to make sure that you are making sensible expenditures. They can grant you the expertise that you lack at this moment and even get as detailed as instructing you on a shell company, shell corporation, or merger companies.

However, if you are already well-informed about the stock market, all you really need is a discount broker to make your trades for you.

Support Student Loan Forgiveness Now

Posted: 11 May 2011 04:48 PM PDT

In support of our change.org campaign for student loan forgiveness, we produced this video because we believe that education is a right not a privilege. Vote today at forgiveloans.notlong.com. January 15th is the deadline for change.org– they will be submitting the top 10 issues to the new administration. Vote today! Corporations have received billion dollar bailouts from the government– why not, bailout the people?

How do I sign up for health insurance through the military?

Posted: 11 May 2011 02:38 PM PDT

My husband is going to bootcamp in July. As long as I understand it correctly, our family will get full coverage for free when he is at bootcamp, then since he is in the reservces, we can continue the health insurance as long as we pay monthly for it. Is this correct and if so how do I sign up for the insurance?

Posted by Blogku at 7:42 AM

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