Posts Tagged e

Investors In Residential Real Estate Now Have New Limits Because Of New Mortgage Rules

Fannie Mae was a semi-independent company that carried out its last act as such several weeks ago. This year Fannie Mae has carried out 22 updates.

The new guidelines first set a limit on the number of properties that can be owned by one person. Formerly, one person could own 10 properties. Now, mortgage requests for a loan for second homes or investment properties will be denied if the mortgagee already finances more than a total of 4 properties.

There is a loophole, however. Fannie Mae will not count properties against the 4-property limit if they are held in the name of a corporation. This holds even if the real estate investor is the sole owner of said corporation.

Therefore, it might prove beneficial for investors to restructure their properties into a corporation and avoid the 4 property limit. Now, this is a good idea to help gain mortgage approval even though some investors have taken this action for tax and liability reasons.

Secondly, some of the guidelines do not have such a loophole. All investment property mortgages will be assessed with new loan-to-value based loan fees by Fannie Mae.

*3.75% loan fee – Loan-to-value 80.01-90.00% *3.00% loan fee – Loan-to-value 75.01-80.00% *1.75% loan fee – Loan -to-value less than 75%

These fees are mandatory and are in addition to any whatever other risk-based loan fees Fannie Mae may assess. Currently, those fees amount to a half-percent at minimum for real estate investors.

The government hasn’t released any information about possible relaxation of mortgage guidelines since their Fannie Mae/Freddie Mac takeover. If the guidelines loosen up, this would be helpful for real estate investors. If those who want to mortgage property can’t qualify for a loan, lower rates aren’t going to be a lot of help.

If you’re currently in the market for an investment property (or two), consider that it may be cheaper and simpler to purchase over the near-term versus the long-term. And consider moving your existing properties into a corporate structure first.

About the Author:

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , ,

A Look At The Functions Of The Sony BDP-S560 Media Player

So many media types exist today that it can be daunting to find a media player that does it all. Sony sought to change that by releasing the BDP-S560 Blu-ray disc player to the public. Able to play just about any popular media, it has quickly become one of the most popular media players on the current market.

It’s no surprise that Sony would release a phenomenal Blu-ray disc player. After all, they did create the Blu-ray disc to replace the current DVD standard! Blu-ray discs are able to store more information per disc and have greatly increased the quality of sound and picture. In order to play a Blu-ray disc, consumers need a proper media player. the BDP-S560 has certainly become a great choice to fill this basic need.

You couldn’t go wrong in choosing the BDP-S560 model from Sony. this particular model plays all of the DVD discs you currently have in your collection through backwards compatibility technology. It also allows you to play older formats such as the CD. Overall, it is hard to not pick the Sony BDP-S560 solely for its ability to play just about any media format, and any media contained within.

The interface of the Sony BDP-S560 has been highly praised by critics. While it is essentially a rehash of the PS3 interface, there is certainly nothing wrong with that! The menu can easily be navigated thanks to easy grouping of information. Even the elderly who are not well versed in technology could navigate the BDP-S560.

Sound is an integral part of the movie experience. And while so far the emphasis has been put on the video quality, don’t assume that Sony skipped out on the sound department. Sony has made an effort to support the best sound quality possible, and they have done it through supporting Dolby TrueHD standards. Sound can now sound exactly like it does in the theater- only better if you have the right speaker setup.

Ports are important for getting a device to hook up with another and share information. Sony included just about every port there is to ensure that if there is a need for the device to hook up to anything, the option to do it will be there. A rather odd port for a media player, the Ethernet port, has even been included to network your Sony BDP-S560 to other devices supporting the standard. It’s innovation like this that really puts the frosting on the cake for consumers.

Closing Comments

The Sony BDP-S560 Blu-Ray disc player has certainly set the bar for how media is played in the home entertainment industry. Look on the Internet to see how you can get your own for an inexpensive price today.

About the Author:

Tags: , , , , , , , , , , , , , , , , , , , , , ,

EATING HEALTHY IS EASY!

Eating healthy does not have to be complicated nor difficult. After you begin making healthy choices, and make it a habit, you don’t have to think about it again. Just have healthy food choices always available and the decision will be easy.

A meal or snack needs to incorporate a proper balance between a protein, carbohydrate and fat.

Have you established for yourself your caloric consumption needs? I know for myself, if I want to maintain my weight, I should not eat any more than 1500 calories per day. If I want to lose, my daily calorie intake is no more than 1200 calories per day.

After you determine how many calories you should be consuming, you then need to divide the calories out over 5-6 small meals/snacks throughout the day. Don’t forget to compliment each meal/snack with the proper balance of protein, carbohydrates, and fats. I will give you an example of these choices to make during the day.

I like to take a minute and quickly mention something about portion sizes. Do you know what a serving of meat looks like? No, it’s not the 12 ounce Ribeye at your local steak house. A protein of meat is 3 ounces, the size of a woman’s palm.

VISUAL EXAMPLES OF DIFFERENT FOOD PORTIONS:

* 1 medium fruit — tight fist or tennis ball

* 1/2 cup of rice, pasta, cooked cereal, fruit, or veggie — cupcake size or tight fist

* 1 cup of salad — the amount you can hold in two hands cupped together.

* 1 medium baked potato — computer mouse

* 1 cup of cold cereal — large handful or tight fist

* 3 ounces of meat, poultry or fish — palm of a woman’s hand or deck of cards

* 1 ounce of cheese — 4 dice or the top half of your thumb

* 1 ounce of meat, fish, chicken or poultry — 1 egg

* 1 tsp — the tip of a medium-framed woman’s thumb. 1 tbsp is equal to 3 tsp.

BREAKFAST:

It is important to start the day with a good breakfast. A good breakfast is needed to maintain level blood sugars throughout the morning. Try to keep breakfast, lunch, and dinner at the same calorie count and then add two to three snacks between meals to make up the 5-6 recommended meals.

Choose an item from each of the food groups for a healthy balanced breakfast.

Protein: 1 cup low fat yogurt, 1 oz of low fat cheese, 1 cup nonfat milk, 1 hard boiled egg

Carbohydrate: 1 slice of whole grain toast, bagel or muffin, 1/2 cup of whole grain cereal or oatmeal, or granola bar.

Fruit: 1/2 banana, small apple, orange, grapefruit, 3/4 cup of raspberries, strawberries, blueberries

LUNCH AND DINNER:

Preparing lunch and dinner is very simple. Pick a lean protein, add some vegetables and top it off with some fruit for dessert.

Choose an item from each of the food groups for a healthy balanced lunch or dinner.

Protein: Chicken, fish, turkey, lean beef, pork, beans, etc.

Vegetable: Salad greens, spinach, zucchini, broccoli, cauliflower, and green beans, etc. For a serving size, fill about 1/4 of your plate with protein, 1/2 of your plate with vegetables, and the other quarter with healthy carbohydrates.

Carbohydrate: 1 slice of whole grain bread, brown rice, corn, sweet potatoes, white potatoes, etc.

Dessert: 1/2 banana, 1/2 cup of strawberries or raspberries with a dollop of nonfat whipped topping, pear, apple.

SNACKS:

Snacks are what make or break the weight loss. You need to maintain your metabolism in between meals so that is why healthy snacks are essential. For your snack, consume between 100 to 125 calories.

Choose an item from each of the food groups for a healthy balanced snack.

Protein: 1 oz. low sodium, low fat luncheon meat, low fat string cheese, hard boiled egg, small yogurt cup, 1/4 cup of low fat cottage cheese.

Carbohydrate: Baby carrots, 1 slice of whole grain bread, 1/2 banana, apple, grapes, plum, etc.

Healthy fats: Handful of almonds, walnuts cashews or mixed nuts, 1 slice of avocado, 2 tbsp of peanut butter.

This is easy! Remember, these are just guidelines for healthy foods. You do not have to eat the same thing every day. There are so many more foods then what I listed here but be creative. Make healthy choices that are exciting. Try a new fruit and vegetable every week. Remember, this is easy!

About the Author:

Tags: , , , , , , , , , , , , , , , ,

Rafael Nadal Biography – Four Consecutive French Open Wins

Rafa is the nick name of Rafael Nadal Parera, a young man who has the world of tennis wowed by his fast rise to success. After entering the professional tennis arena at the tender age of just 15 years he has enjoyed a magnificent run of wins. This short Rafael Nadal biography is a brief look at what he has achieved in the few years he has played this widely loved spectator sport.

Reaching the pinnacle of his success as the number two tennis player in the world seems to have come very easily to Rafael Nadal. His clay-court performance has seen sixty consecutive wins, which is a magnificent achievement.

Rafa was born in the town of Manacor on the Island of Mallorca, on the 3rd June 1986. He is no newcomer to sporting achievement as his family has another well known sporting personality in its midst. His uncle was a professional football player for FC Barcelona for many years and he was only 15 when he turned professional.

What is interesting about Rafael Nadal is that like his uncle he was only 15 years of age when he won his first ATP match. This took place in Majorca and he won against Ramon Delgado. This feat made him the 9th player of the “Open” era to win in an ATP match before he was 16. Only a year later he was the 2nd youngest ranked singles player to feature in the top 100 tennis players in the world.

His Wimbledon debut at age 16 in 2003, saw him reach the 3rd round, and he was the youngest player to do this since Boris Becker. As this young player continued to improve we saw him ranked number 5 by 2005, this feat made him the youngest player since Andrei Medvedev to make it to the top ten players.

This Rafael Nadal biography tells us he has set some historic records in tennis annals. He is the 4th youngest champion of Roland Garros, the 7th player to win a Grand Slam on their first appearance, and since Pete Sampras won the 1990 US open at age 19, Rafa is the first teenager to do this again. This young man has become a tennis open hero and is best known for being the winner of 4 consecutive French Open competitions, and for being Roger Federer’s arch nemesis.

About the Author:

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , ,

SEO Powered by Platinum SEO from Techblissonline