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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>pfqstms.info</title> <atom:link href="http://pfqstms.info/feed" rel="self" type="application/rss+xml" /> <link>https://pfqstms.info</link> <description></description> <lastBuildDate>Fri, 19 Sep 2025 07:15:38 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>The Different Types of Small Business Loans Explained</title> <link>https://pfqstms.info/the-different-types-of-small-business-loans-explained,html</link> <comments>https://pfqstms.info/the-different-types-of-small-business-loans-explained,html#comments</comments> <pubDate>Fri, 19 Sep 2025 07:15:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[business credit]]></category> <category><![CDATA[business funding]]></category> <category><![CDATA[equipment financing]]></category> <category><![CDATA[lines of credit]]></category> <category><![CDATA[loan types]]></category> <category><![CDATA[SBA loans]]></category> <category><![CDATA[small business loans]]></category> <category><![CDATA[types of business loans]]></category> <guid isPermaLink="false">http://pfqstms.info/?p=71</guid> <description><![CDATA[Small business loans come in various types, each designed to meet different financing needs. Understanding these options can help you determine which one is right for your business. SBA Loans The Small Business Administration (SBA) offers loans with lower interest rates and longer repayment terms. These loans are ideal for established businesses looking for working [...]]]></description> <content:encoded><![CDATA[<article><p>Small business loans come in various types, each designed to meet different financing needs. Understanding these options can help you determine which one is right for your business.</p><h2>SBA Loans</h2><p>The Small Business Administration (SBA) offers loans with lower interest rates and longer repayment terms. These loans are ideal for established businesses looking for working capital or funds for expansion. SBA loans include the 7(a) loan, which is the most common, and CDC/504 loans, designed for purchasing real estate and equipment.</p><h2>Term Loans</h2><p>Term loans are traditional loans where you receive a lump sum of money upfront, which you pay back with fixed monthly payments over a set period. These loans are suitable for large, one-time expenses such as equipment or property purchases.</p><h2>Lines of Credit</h2><p>A business line of credit offers flexibility. You can borrow and repay funds as needed, much like a credit card. This type of loan is great for covering short-term expenses or handling cash flow fluctuations.</p><h2>Merchant Cash Advances</h2><p>If your business generates high daily sales through credit cards, a merchant cash advance (MCA) might be a good option. The loan is repaid through a percentage of your daily credit card sales.</p><h2>Equipment Financing</h2><p>Equipment financing is a loan designed specifically for purchasing business equipment. The equipment itself serves as collateral, making this a less risky option for lenders.</p></article><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://pfqstms.info/the-different-types-of-small-business-loans-explained,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Improve Your Chances of Getting Approved for a Small Business Loan</title> <link>https://pfqstms.info/how-to-improve-your-chances-of-getting-approved-for-a-small-business-loan,html</link> <comments>https://pfqstms.info/how-to-improve-your-chances-of-getting-approved-for-a-small-business-loan,html#comments</comments> <pubDate>Fri, 19 Sep 2025 07:13:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[business loan approval]]></category> <category><![CDATA[business plan]]></category> <category><![CDATA[credit score]]></category> <category><![CDATA[improve loan chances]]></category> <category><![CDATA[increase approval chances]]></category> <category><![CDATA[loan application tips]]></category> <category><![CDATA[loan requirements]]></category> <guid isPermaLink="false">http://pfqstms.info/?p=69</guid> <description><![CDATA[Getting approved for a small business loan can be challenging, especially if you’re a new business or have less-than-perfect credit. However, there are steps you can take to improve your chances of approval and make your business more attractive to lenders. Improve Your Credit Score Your personal and business credit scores play a crucial role [...]]]></description> <content:encoded><![CDATA[<article><p>Getting approved for a small business loan can be challenging, especially if you’re a new business or have less-than-perfect credit. However, there are steps you can take to improve your chances of approval and make your business more attractive to lenders.</p><h2>Improve Your Credit Score</h2><p>Your personal and business credit scores play a crucial role in determining whether you will be approved for a loan. Lenders typically look for a minimum score to reduce the risk of default. Improving your credit score can increase your chances of getting better loan terms and higher loan amounts.</p><h2>Prepare a Strong Business Plan</h2><p>A detailed business plan is essential for demonstrating how the loan will be used and how your business plans to repay it. Make sure your business plan includes:</p><ul><li><strong>Financial Projections:</strong> Include realistic revenue and expense projections for the next few years.</li><li><strong>Market Analysis:</strong> Provide data on your target market and competition.</li><li><strong>Business Model:</strong> Explain how your business generates income and its growth strategy.</li></ul><h2>Show a Stable Revenue History</h2><p>Lenders want to see that your business generates consistent revenue. If your revenue has been fluctuating, you may need to demonstrate a clear plan for improving it.</p><h2>Provide Collateral</h2><p>Offering collateral can help you secure a loan, especially if your business is considered a higher risk. Collateral can include property, equipment, or inventory that the lender can claim if you default on the loan.</p><h2>Be Prepared with Documents</h2><p>To increase your chances of approval, ensure you have all necessary documentation ready for the lender. Common documents include:</p><ul><li>Tax returns</li><li>Profit and loss statements</li><li>Personal and business credit reports</li><li>Business licenses and permits</li></ul><p>By following these steps, you can significantly improve your chances of getting approved for a small business loan.</p></article>]]></content:encoded> <wfw:commentRss>https://pfqstms.info/how-to-improve-your-chances-of-getting-approved-for-a-small-business-loan,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Understanding Small Business Loans: Types, Requirements & How to Apply</title> <link>https://pfqstms.info/understanding-small-business-loans-types-requirements-how-to-apply,html</link> <comments>https://pfqstms.info/understanding-small-business-loans-types-requirements-how-to-apply,html#comments</comments> <pubDate>Fri, 19 Sep 2025 07:11:28 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[business credit]]></category> <category><![CDATA[business financing]]></category> <category><![CDATA[business funding]]></category> <category><![CDATA[loan options]]></category> <category><![CDATA[loan requirements]]></category> <category><![CDATA[SBA loans]]></category> <category><![CDATA[small business loans]]></category> <category><![CDATA[startup loans]]></category> <category><![CDATA[types of business loans]]></category> <category><![CDATA[working capital]]></category> <guid isPermaLink="false">http://pfqstms.info/?p=67</guid> <description><![CDATA[Small business loans are essential financial tools that help entrepreneurs and small business owners access the capital they need to grow their businesses. Whether you’re just starting or looking to expand, there are several types of small business loans available to meet your unique needs. Types of Small Business Loans When it comes to business [...]]]></description> <content:encoded><![CDATA[<article><p>Small business loans are essential financial tools that help entrepreneurs and small business owners access the capital they need to grow their businesses. Whether you’re just starting or looking to expand, there are several types of small business loans available to meet your unique needs.</p><h2>Types of Small Business Loans</h2><p>When it comes to business financing, there are many options to consider. Here are the most common types of small business loans:</p><ul><li><strong>SBA Loans</strong> – Loans guaranteed by the Small Business Administration, offering favorable terms and lower interest rates.</li><li><strong>Term Loans</strong> – Traditional loans with fixed repayment terms, typically used for large purchases or expansions.</li><li><strong>Lines of Credit</strong> – A flexible borrowing option where you can access funds as needed, paying interest only on what you borrow.</li><li><strong>Merchant Cash Advances</strong> – An advance against future sales, often used by businesses with high credit card sales.</li><li><strong>Equipment Financing</strong> – Loans specifically designed for purchasing equipment or machinery.</li></ul><h2>Requirements for Small Business Loans</h2><p>Each type of loan has its own set of requirements, but some general factors include:</p><ul><li><strong>Credit Score:</strong> Lenders typically require a minimum credit score to qualify for a loan.</li><li><strong>Business Plan:</strong> A well-structured business plan helps demonstrate how the loan will contribute to the business’s growth.</li><li><strong>Time in Business:</strong> Lenders often look for businesses that have been operating for at least one or two years.</li><li><strong>Revenue:</strong> Lenders want to ensure that your business generates sufficient revenue to repay the loan.</li></ul><h2>How to Apply for a Small Business Loan</h2><p>Applying for a small business loan involves several steps:</p><ol><li><strong>Determine Your Needs:</strong> Calculate how much funding your business requires and what type of loan is best suited for your needs.</li><li><strong>Research Lenders:</strong> Shop around for different lenders to find the best rates and terms for your business.</li><li><strong>Prepare Documentation:</strong> Gather necessary documents, including financial statements, tax returns, and your business plan.</li><li><strong>Submit Application:</strong> Submit your loan application and wait for approval or feedback from the lender.</li></ol><p>Once approved, you’ll typically receive the funds within a few days or weeks, depending on the lender and type of loan.</p></article>]]></content:encoded> <wfw:commentRss>https://pfqstms.info/understanding-small-business-loans-types-requirements-how-to-apply,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Apposite Methods of Building Link Popularity</title> <link>https://pfqstms.info/apposite-methods-of-building-link-popularity,html</link> <comments>https://pfqstms.info/apposite-methods-of-building-link-popularity,html#comments</comments> <pubDate>Mon, 27 Mar 2023 17:01:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pfqstms.info/?p=61</guid> <description><![CDATA[Acquiring a good rank in the leading search engines’ SERPs is a grueling task and then, maintaining it for a longer period of time is even more demanding. An amazing and really effective way of improving your search engine ranking is quality inbound links, which are assured only if your website gains great link popularity. [...]]]></description> <content:encoded><![CDATA[<p> Acquiring a good rank in the leading search engines’ SERPs is a grueling task and then, maintaining it for a longer period of time is even more demanding. An amazing and really effective way of improving your search engine ranking is quality inbound links, which are assured only if your website gains great link popularity. It is an interesting trend of the Internet marketing world, which can actually help you in improving your website if executed appropriately. So, let’s have a look at the 5 most competent methods of building link popularity.<br />Submit your site in search engine directories. Start the process by making submission first in the human edited directories of dmoz.org and Yahoo. Such a step will surely improve both your link popularity and search engine ranking in other search engines. You can even perk up the pace of this method by selecting specific directories.<br />Make your website informative and relevant, and include appropriate keywords. Also, optimize your content with well placed keywords to enhance your search engine ranking noticeably.<br />Write and publish article because with each article you can include a link at the end of it and with each published article, you will earn a link to your site.<br />Request links from sites having high search engine ranking. Initiate the process by including a link from your site to theirs. Also, include a paragraph about your link and get increased number of click through to your site.<br />You may try posting testimonials or favorable review of someone’s product or web site and if that testimony is put to use then ensure a link back to your web site. In addition to following above mentioned effective techniques, you must also acquire good knowledge about what-not-to-follow. So, let us now configure a few misconceptions prevailing in the industry about Link Popularity Development:</p><p>Ranking among top ten sites on SERPs is guaranteed: This is nothing more than a dim marketing gimmick of link popularity service providers. Always remember that it is only the search engines that have the capability to dictate your rating and definitely, not your link developers. It all depends on their efforts that the search engines rates.</p><p>In house, SEO team is inexpensive: First of all creating an in-house SEO team needs a great deal of your time and efforts and secondly, even if you own one, you would have to spend hours and hours to fabricate a decent SEO strategy and then optimizing your own website. Hence, instead of engaging a lot of your time in your website optimization, it is better to opt for outsourced services that assure popularity rating at affordable expense while you invest your time in other important things such as marketing, production and etc. </p><p>Only leads on search engines are fertile:Leads on search engines are probably the best since they come from the global populace using the Internet. Moreover, no other leads procure a wide lead to substantiate the analysis on website rate on popularity of your website contents.<br />Many more misconceptions are present for the internet users concerning the practice of link development. In fact, a few of such tricks are certainly effective in building your popularity ranking, but on the other hand, they also contribute largely in building a bad reputation on your part features like spamming. </p>]]></content:encoded> <wfw:commentRss>https://pfqstms.info/apposite-methods-of-building-link-popularity,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 Easy Steps to Retaining Women to Trades, Science and Technology Classrooms</title> <link>https://pfqstms.info/5-easy-steps-to-retaining-women-to-trades-science-and-technology-classrooms,html</link> <comments>https://pfqstms.info/5-easy-steps-to-retaining-women-to-trades-science-and-technology-classrooms,html#comments</comments> <pubDate>Mon, 27 Mar 2023 15:28:20 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pfqstms.info/?p=58</guid> <description><![CDATA[Step One: Bridge the Technology DivideThe reality is that overall women tend to have less experience with technology than their male counterparts, whether we are talking about computer technology or auto technology. Instructors who are successful in retaining female students recognize that they need to start with the basics during the beginning of the semester [...]]]></description> <content:encoded><![CDATA[<p> Step One: Bridge the Technology DivideThe reality is that overall women tend to have less experience with technology than their male counterparts, whether we are talking about computer technology or auto technology. Instructors who are successful in retaining female students recognize that they need to start with the basics during the beginning of the semester so that the less experienced students get the basic building blocks needed to be successful (this is helpful to male students missing those basics too). So that might mean an introduction to tool identification and use or the basics of navigating the Internet. Instructors should also provide open lab time for students in need of additional hands-on experience. If possible, staff the lab with a senior female student, women are often more comfortable asking questions of other women in a male-dominated field. For some best practice case study examples that illustrate these concepts look at the Cisco Gender Initiative’s Best Practice Case Studies developed by the Institute for Women in Trades, Technology and Science (IWITTS) (1).Step Two: Collaborative Learning in the Technology ClassroomMany female students lack confidence in the classroom and this negatively impacts their learning ability. There are several reasons for this: first, overall, male students have more experience with technology, especially hands-on labs; second, male students tend to boast of their accomplishments while females tend to think that they are doing poorly even when they are doing well; third, male students tend to dominate in classroom discussions and lab activities.Technology instructors can overcome these factors by using collaborative group methods in the classroom designed to increase student learning, interaction and support of each other. Some examples of these group methods are: 1) grade students in teams as well as individually; 2) put female students in positions of leadership in the classroom; 3) assign students to teams or pairs rather than leaving it up to them to pick their partners; 4) have female students work together in labs during the beginning of the semester; 5) enlist the help of whiz kids with the teaching of their fellow students, providing them with a constructive outlet for their talents.Step Three: Contextual LearningThe recent adage that women are from Mars and men are from Venus is alive and well in the technology classroom — women and men have different learning styles when it comes to technology. Most men are excited by the technology itself — how fast it is, the number of gigabytes, the size of the engine. Most women are engaged by how the technology will be used — how quickly the network will run, how much information can be stored, how far the vehicle can go without refueling. These Mars and Venus differences have implications for the class curriculum: female students will better understand technical concepts in the classroom when they understand the context for them. Don’t front load your computer programming classes with writing computer code with no context for this if you want to retain most of your female students. For more information on this subject including off-the-shelf curriculums for teaching contextual technology read IWITTS’s Making Math and Technology Courses User Friendly to Women and Minorities: An Annotated Bibliography (2).Step Four: The Math FactorMost technology courses require an understanding of applied math. Many women and girls are fearful of math and have had negative experiences in the math classroom. This phenomenon is so common that courses and curriculum on math anxiety for women are in place around the country. The key to success in teaching most females math is — like technology — contextual and group learning. Fortunately many off-the-shelf curriculums exist for teaching math contextually, see IWITTS’s bibliography linked above. Many technology courses at the two-year college level have math prerequisites that are unrelated to the technology coursework and omit the applied math that will be needed. Technology courses should only require math that is relevant to their courses and/or develop contextual math modules to add to their curriculum.Step Five: Connect the Women in Your Classes with Other WomenA female mentor or peer support network can help your students stay the course when they are feeling discouraged and can provide helpful tips for succeeding in a predominantly male environment. There are many on-line and real-time associations for women in technology, connect your female students to them. See the Career Links on WomenTechWorld.org for a list of some of these networks. Also, WomenTechTalk on WomenTechWorld.org — a free listserv for women in technology and students — provides a combination of support and expert career panels to it’s over 200 members from across the U.S. </p>]]></content:encoded> <wfw:commentRss>https://pfqstms.info/5-easy-steps-to-retaining-women-to-trades-science-and-technology-classrooms,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Which Real Estate Investment Is Best For You?</title> <link>https://pfqstms.info/which-real-estate-investment-is-best-for-you,html</link> <comments>https://pfqstms.info/which-real-estate-investment-is-best-for-you,html#comments</comments> <pubDate>Thu, 23 Mar 2023 17:12:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pfqstms.info/?p=56</guid> <description><![CDATA[Palos Verdes, CA. Years ago, I discovered that residential rental real estate is the best investment to control risk and create wealth. The Real Estate Digest reports that seven out of ten millionaires made their money in real estate, and Forbes magazine states that there is a three times greater chance of becoming wealthy through [...]]]></description> <content:encoded><![CDATA[<p>Palos Verdes, CA. Years ago, I discovered that residential rental real estate is the best investment to control risk and create wealth. The Real Estate Digest reports that seven out of ten millionaires made their money in real estate, and Forbes magazine states that there is a three times greater chance of becoming wealthy through real estate than with any other type of investment.<br />Using Real Estate to Control Risks</p><p>Real estate allows you to control your risk because you can actively participate in the decision making process. Passive investments such as stocks don’t give you this opportunity. Movements in real estate values are less erratic than in the stock market. Most people don’t understand the economic forces influencing the market. Since real estate is less volatile, it’s easier to control and to understand. Real estate is tangible. You can touch it, you’ve been exposed to it all your life, and you can identify with it. Because of this familiarity, you are better able to understand it.</p><p>Effectively Reducing Your Taxes</p><p>Real estate ownership continues to be the most popular form of investment because of its potential for substantial tax savings. Since you are able to actively participate in the management of real estate, the Internal Revenue Service (IRS) currently allows qualifying individuals to write off up to $25,000 per year against salary and other income. No other investment gives you this capability. In addition, you can defer paying income taxes on profits indefinitely by using tax-deferred exchanges.</p><p>Leveraging That Works</p><p>Real estate is the only major investment that gives you the ability to acquire ownership with very little money down. This degree of leveraging allows you to amplify profits by using other people’s money. The more assets you are able to control, the more opportunities you have to succeed. The degree of leverage is calculated by dividing the total purchase price of the property by the amount of funds used to purchase it. Thus, if a down payment of $10,000 plus a $90,000 loan is used to purchase a property, a 10 to 1 leverage ratio has been achieved. The greater the leverage, the more equity will increase or decrease with the change in value of the property.</p><p>Why Real Estate Investment Is the “Smart” Way</p><p>Over 50 percent of the wealth of the world is in real estate. In the United States, real estate accounted for 48.2 percent of the wealth (of which residential real estate represented 36.7 percent). Equity investments (stocks) amounted to 19.3 percent and bonds 21.1 percent.</p><p>In the past 20 years, residential income properties have delivered the highest average total investment returns of all real estate types. With a built-in hedge against inflation, it is no wonder that multifamily real estate has out-performed all other types of real estate investments with relatively low risk. Based on supply and demand over the next 10 years, residential income will out pace all other types of real estate investment. Strong demographic and financial indicators along with changing lifestyles should continue to positively influence residential income investments.</p><p>The Three Advantages of Owning Rental Property</p><p>Rental properties should remain well ahead of other major property types because they are generally more stable. Three important factors account for this stability:</p><p>1. They are less dependent on business cycles for occupancy than any other types of real estate investments. It does not matter if interest rates and home prices are high or low, rental properties are generally more affordable. 2. Rental properties have shorter leases; thereby offering greater protection from inflation than the long-term leases associated with other properties. That is, rents can be negotiated more frequently.</p><p>3. The pool of tenants is much greater for rental properties than other types of properties. This ensures a more consistent occupancy than industrial and commercial properties, which usually have only a few tenants from which to choose.</p><p>RENTAL PROPERTIES-THE COMING BONANZA FOR YOU</p><p>Supply and demand play an important role in residential income property value. The demand for rental property is increasing because the number of people entering the rental market is increasing steadily each year. At the same time, construction costs, stricter zoning ordinances, and environmental factors are limiting the new construction of residential income property. Together, these trends bode well for investing in residential income property.</p><p>Because the 1997 Tax Act allows joint owners to exempt capital gains of $500,000, more and more people are selling their homes, saving their money, and moving into rental property. It is estimated that the demand for rentals is likely to increase over 10 percent during the next 10 years. Residential income property offers one of the best protections against inflation. In fact, a study reported by the Journal of Financial Economics found that residential real estate is the only investment that offers a complete hedge against both anticipated and unanticipated inflation.</p><p>People always need the three basics – food, clothing, and shelter. As the population grows, the need for shelter grows along with it. The hedge against inflation with residential rentals is greater because, unlike long-term commercial leases, they are generally on a month-to-month basis. As prices increase, rental property owners can increase rents more rapidly with month-to-month leases than commercial owners who have long-term leases.</p><p>Residential income property is one type of investment that is a source of security and stability. Every investment has peaks and valleys, including rental real estate. Nevertheless, over the long-term, it always comes out on top. The key is knowing the right time to buy and sell. That is the golden rule in investing.</p><p>Real Estate: The Shock Absorber</p><p>Real estate generally outperforms equities because of its higher yields, greater price stability, and downside protection even in a recession. When stock markets are down, real estate holds value and produces a positive return. Real estate is less prone to booms and busts than in the past. Residential income-producing real estate is now stronger than it has been in many years.</p><p>Since rental properties can be seen and touched and are not an abstract form of ownership evidenced by a piece of paper. They are investor friendly. People can identify with doors and windows, bedrooms and bathrooms, and floors and roofs. They do not feel that the market is being manipulated by programmed buying and selling. They have control over their investments.</p>]]></content:encoded> <wfw:commentRss>https://pfqstms.info/which-real-estate-investment-is-best-for-you,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>U.S. Real Estate Investment and the Benefits of Leverage and Refinance</title> <link>https://pfqstms.info/u-s-real-estate-investment-and-the-benefits-of-leverage-and-refinance,html</link> <comments>https://pfqstms.info/u-s-real-estate-investment-and-the-benefits-of-leverage-and-refinance,html#comments</comments> <pubDate>Thu, 23 Mar 2023 17:12:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pfqstms.info/?p=49</guid> <description><![CDATA[30-YEAR FIXED RATE LOANS FOR FOREIGN INVESTORS, I feel it an obligation to provide insights into the benefits that Atlas Capital and Asset Management has to offer. Prices are going crazy right now in our primary market. I am paying 50%-100% more for raw acquisitions right now than I was 18 months ago. It’s hard [...]]]></description> <content:encoded><![CDATA[<p>30-YEAR FIXED RATE LOANS FOR FOREIGN INVESTORS, I feel it an obligation to provide insights into the benefits that Atlas Capital and Asset Management has to offer.<br />Prices are going crazy right now in our primary market. I am paying 50%-100% more for raw acquisitions right now than I was 18 months ago. It’s hard to even find a project house or fixer- upper in the cities where we prefer to be. Values have gone up substantially, and we are thrilled to see the market so robust and growing. We are even more thrilled to offer foreign buyers the opportunity to take advantage of this situation.</p><p>So now let’s look at the most obvious benefits that obtaining a long term fixed rate loan can provide when considering U.S. real estate investment, or anywhere else for that matter. We will also explore the benefits for existing property owners using our EXCLUSIVE U.S. REFINANCING PROGRAM and how this tool can help you achieve even higher benchmarks.</p><p>BUILD A PORTFOLIO INSTEAD OF “BUY A HOUSE”-</p><p>Most investors that we encounter typically have allocated 60k or 100k for real estate investments. I don’t know why, but those seem to be the two magic numbers. Now, we do not carry any 60k properties. Cheap properties tend to be in lousy neighborhoods, attract crappy tenants, and have a high turnover rate. They also are much more susceptible to theft and vandalism. 100k properties (depending on who you are dealing with) have a high success rate, attract and keep good renters, and if, by chance, the kids leave their bikes out overnight, they will be there in the morning. The difference with Atlas is that with average down payments of 30k-35k, the 60k buyer can dig deeper and spend 70k and get TWO properties. The 100k buyer can dig a little deeper and get THREE properties.</p><p>SPREADING RISK-</p><p>One factor will always remain a constant. Tenants, and people in general, run into problems. Life happens. Today is the 5th of September and we have already received a few phone calls from tenants that are going to be late with their rents (with a $100.00 late fee as a penalty, I might add). Life happens. When you have ONE asset and the Dad loses his job and can’t make rent, cash flow is ZERO. When you have the same 100k-120k in THREE houses, and Dad loses his job, you still have cash flow from the other two properties. It goes back to the “all of your eggs in one basket” theory, and U.S. real estate investment, like anything else, is not immune to that theory.</p><p>LOWER INITIAL INVESTMENT-</p><p>Any U.S. real estate investment carries an inherent risk or the potential for disappointment in either asset quality or performance. I would sure hate to find out that my property, or properties, are underperforming had I paid full cash price when I purchased the asset. With financing, the initial down payment is a fraction of the amount when compared with a full price cash acquisition. If a property does end up shy of expectations, it is better to find out with a down payment at stake instead of full market value sucked out of your retirement savings.</p><p>REFINANCE AND DIVERSIFY YOUR HOLDINGS-</p><p>I speak with a lot of investors who already own U.S. real estate every week, and perhaps the biggest thing we have to offer is our “cash out refinance program”. But before I go further, I should point out that this program is designed to assist in building up additional assets for a portfolio. We don’t provide this service to fund a mid-life crises or send little Jimmie or Jane to college. We designed this program so that folks with all of their equity tied up in a single asset could tap into that equity and obtain additional assets and so all of the items above would work in their favor. And best of all, the same rate and terms apply to our refinance program that are currently part of our new purchase financing program. Why have one asset in another market when you can diversify, buy more assets, spread the risk across a number of properties and cash in on the capital appreciation? If we’re advising on U.S. real estate investment, diversification is one of our top recommendations.”>In my last article, I extolled the virtues of our 30-year fixed rate financing program for U.S. real estate investment. I pointed out the hard money predators, the shady ARMs (adjustable rate mortgages), the tricky balloon payment trap, and other “landmines” when it comes to the lending industry preying on unsuspecting investors. As the ONLY U.S. COMPANY THAT INTERNALLY UNDERWRITES 30-YEAR FIXED RATE LOANS FOR FOREIGN INVESTORS, I feel it an obligation to provide insights into the benefits that Atlas has to offer.</p><p>Prices are going crazy right now in our primary market. I am paying 50%-100% more for raw acquisitions right now than I was 18 months ago. It’s hard to even find a project house or fixer- upper in the cities where we prefer to be. Values have gone up substantially, and we are thrilled to see the market so robust and growing. We are even more thrilled to offer foreign buyers the opportunity to take advantage of this situation.</p><p>So now let’s look at the most obvious benefits that obtaining a long term fixed rate loan can provide when considering U.S. real estate investment, or anywhere else for that matter. We will also explore the benefits for existing property owners using our EXCLUSIVE U.S. REFINANCING PROGRAM and how this tool can help you achieve even higher benchmarks.</p><p>BUILD A PORTFOLIO INSTEAD OF “BUY A HOUSE”-</p><p>Most investors that we encounter typically have allocated 60k or 100k for real estate investments. I don’t know why, but those seem to be the two magic numbers. Now, we do not carry any 60k properties. Cheap properties tend to be in lousy neighborhoods, attract crappy tenants, and have a high turnover rate. They also are much more susceptible to theft and vandalism. 100k properties (depending on who you are dealing with) have a high success rate, attract and keep good renters, and if, by chance, the kids leave their bikes out overnight, they will be there in the morning. The difference with Atlas is that with average down payments of 30k-35k, the 60k buyer can dig deeper and spend 70k and get TWO properties. The 100k buyer can dig a little deeper and get THREE properties.</p><p>SPREADING RISK-</p><p>One factor will always remain a constant. Tenants, and people in general, run into problems. Life happens. Today is the 5th of September and we have already received a few phone calls from tenants that are going to be late with their rents (with a $100.00 late fee as a penalty, I might add). Life happens. When you have ONE asset and the Dad loses his job and can’t make rent, cash flow is ZERO. When you have the same 100k-120k in THREE houses, and Dad loses his job, you still have cash flow from the other two properties. It goes back to the “all of your eggs in one basket” theory, and U.S. real estate investment, like anything else, is not immune to that theory.</p><p>LOWER INITIAL INVESTMENT-</p><p>Any U.S. real estate investment carries an inherent risk or the potential for disappointment in either asset quality or performance. I would sure hate to find out that my property, or properties, are underperforming had I paid full cash price when I purchased the asset. With financing, the initial down payment is a fraction of the amount when compared with a full price cash acquisition. If a property does end up shy of expectations, it is better to find out with a down payment at stake instead of full market value sucked out of your retirement savings.</p><p>REFINANCE AND DIVERSIFY YOUR HOLDINGS-</p><p>I speak with a lot of investors who already own U.S. real estate every week, and perhaps the biggest thing we have to offer is our “cash out refinance program”. But before I go further, I should point out that this program is designed to assist in building up additional assets for a portfolio. We don’t provide this service to fund a mid-life crises or send little Jimmie or Jane to college. We designed this program so that folks with all of their equity tied up in a single asset could tap into that equity and obtain additional assets and so all of the items above would work in their favor. And best of all, the same rate and terms apply to our refinance program that are currently part of our new purchase financing program. Why have one asset in another market when you can diversify, buy more assets, spread the risk across a number of properties and cash in on the capital appreciation? If we’re advising on U.S. real estate investment, diversification is one of our top recommendations.</p>]]></content:encoded> <wfw:commentRss>https://pfqstms.info/u-s-real-estate-investment-and-the-benefits-of-leverage-and-refinance,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Benefits and Drawbacks of Rainwater Harvesting</title> <link>https://pfqstms.info/benefits-and-drawbacks-of-rainwater-harvesting,html</link> <comments>https://pfqstms.info/benefits-and-drawbacks-of-rainwater-harvesting,html#comments</comments> <pubDate>Thu, 23 Mar 2023 17:11:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pfqstms.info/?p=44</guid> <description><![CDATA[If you are thinking about harvesting the rainwater that falls each year, you may be thinking that you have found an easy solution to reducing your water bill. It is often thought that rainwater harvesting is something that would only occur on a very large scale. And while it is true that many of the [...]]]></description> <content:encoded><![CDATA[<p>If you are thinking about harvesting the rainwater that falls each year, you may be thinking that you have found an easy solution to reducing your water bill. It is often thought that rainwater harvesting is something that would only occur on a very large scale. And while it is true that many of the water tanks in Central Highlands that are designed for capturing rainwater are operated by major farms or industries, this method can also work at larger homes. Whether you ware wanting to collect rainwater for the purposes of purifying it and using it as drinking water, or you merely want to use it for irrigation purposes, high quality water tanks in Clermont can help ensure that you have a proper system set up for the capture and use of this rain water. But what are the advantages and disadvantages of using such a method?<br />Rainwater Harvesting Advantages • Lack of Maintenance One of the best reasons to go for this option is because it will not need much maintenance. When you hire a company to complete he installation of the entire system, the harvesting occurs on its own. When you are using the water for irrigation purposes, almost no maintenance is needed. If it is being filtered into drinking water, periodical check-ups on the system are needed to ensure it is running smoothly, and to change the filters. But no major work is needed when everything is setup. • Lower Water Bills If you have a massive space of land, you are probably using a lot of water to irrigate your grass and plants. Not to mention all the water being used in the house for cooking, cleaning and drinking. With the right rainwater collection equipment and water tanks, in Clermont your water bill could come down to nothing! This setup also means that you are increasing efficiency, since the rainwater that would have gone to waste is now serving a valuable purpose. Rainwater Harvesting Disadvantages • Unpredictability No system is flawless, and using rainwater for irrigation and/or home water use purposes does mean you will have an unpredictable supply. If you are using it for irrigation, it is not too much of an issue. But you would not want to shut off your usual water supply, even if you want to use rainwater for activities inside the house. If there are a couple of months in the year with practically no rain, you would run out of water pretty quickly! • Expensive at First We already mentioned how the maintenance is relatively low with this setup. However, it is a little expensive to set up all the water collection equipment and the water tanks. In Central Highlands, or most of Australia, if you are prepared to spend anywhere from $200 to $2000 on a system, you are in the clear. But if such figures are making you nervous, you may want to think about some other method for capturing rainwater. Ultimately, it is about deciding whether you are willing to spend money now in order to conserve water and save money on your bills in the future!</p>]]></content:encoded> <wfw:commentRss>https://pfqstms.info/benefits-and-drawbacks-of-rainwater-harvesting,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Bitcoin the New Currency Becomes a Standard</title> <link>https://pfqstms.info/bitcoin-the-new-currency-becomes-a-standard,html</link> <comments>https://pfqstms.info/bitcoin-the-new-currency-becomes-a-standard,html#comments</comments> <pubDate>Thu, 23 Mar 2023 17:11:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pfqstms.info/?p=45</guid> <description><![CDATA[Bitcoin is the new currency that has finally come around as a standard for payment by over 100,000 merchants. It’s an exciting new way to pay for goods or invest. Investing in bitcoins or buying goods requires the purchaser to have bitcoins to trade with. There are several ways to get bitcoins. One way is [...]]]></description> <content:encoded><![CDATA[<p>Bitcoin is the new currency that has finally come around as a standard for payment by over 100,000 merchants. It’s an exciting new way to pay for goods or invest. Investing in bitcoins or buying goods requires the purchaser to have bitcoins to trade with. There are several ways to get bitcoins.<br />One way is to buy bitcoins from a bitcoin exchange. If you choose this way it’s best to find a licensed vendor. There are many vendors now who are licensed in their jurisdictions to trade bitcoin. Check in your locale for licensed bitcoin vendors.</p><p>Another popular way to get bitcoins is by exchanging them for gift cards. Amazon, iTunes, even Starbucks all offer gift cards that can be exchanged for bitcoins. One of the most popular sites for this is Paxful. Once you sign up for an account you can then trade gift cards for bitcoins. Or use your cash to buy gift cards. For example, if you have a $50 gift card from iTunes, you put your request out there and Paxful will hook you up with a seller. You will almost never get $50 of bitcoins since the seller now has to somehow get their money back on the gift card but you may get $45 in bitcoin for $50. Deals vary from seller to seller. The cool thing about gift cards is you only need the gift card and receipt. No names are exchanged it’s a completely encrypted transaction. Hence the name cryptocurrency.</p><p>The drawback of cryptocurrency is it can be used for money laundering and hiding money in general. China, while it hasn’t banned cryptocurrency, has stopped bitcoin ICOS. Some of their exchanges have closed. Bitcoin in China trades at a discount to the rest of the world. Japan, on the other hand, has added more than 10 places to legally exchange bitcoin adding another option for the bitcoin buy/sell experience.</p><p>$20 of bitcoin in 2008 is now worth over $20,000,000. The bubble may burst or just fluctuate but it looks like bitcoin is here to stay.</p><p>For those who are looking to invest, getting bitcoin is pretty much the same. Buyers need to go to an exchange and buy the coins. Some places allow credit cards, Paypal and bank transfers. After that the bitcoin is yours to hold and sell dear! Whether using bitcoins for making purchases or investing or selling, it’s an exciting new entry in the world of currency.</p>]]></content:encoded> <wfw:commentRss>https://pfqstms.info/bitcoin-the-new-currency-becomes-a-standard,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Using Correlation in Pair Trading</title> <link>https://pfqstms.info/using-correlation-in-pair-trading,html</link> <comments>https://pfqstms.info/using-correlation-in-pair-trading,html#comments</comments> <pubDate>Thu, 23 Mar 2023 17:11:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://pfqstms.info/?p=46</guid> <description><![CDATA[The concept of the correlation of financial instruments is familiar to many traders. But at the same time, few of them fully understand all the possibilities of this powerful tool of statistical analysis and represent how it can be applied in practice. Meanwhile, correlation is an indispensable tool for successful trading on the strategy of [...]]]></description> <content:encoded><![CDATA[<p>The concept of the correlation of financial instruments is familiar to many traders. But at the same time, few of them fully understand all the possibilities of this powerful tool of statistical analysis and represent how it can be applied in practice. Meanwhile, correlation is an indispensable tool for successful trading on the strategy of pair trading. Consider why.</p><p>So what is the correlation of financial instruments? Correlation is a quantity reflecting the degree of similarity of the graphs of the two instruments. In fact, the introduction of a correlation is an attempt to express the degree of similarity of graphs with just one value, called the correlation coefficient. The value of this coefficient varies from -1 to 1. Where 1 denotes the maximum degree of similarity, when growth on one graph is always accompanied by a similar increase in strength on the other, 0 is the absence of similarity, and -1 is the reverse similarity, when growth on one is accompanied by a proportional fall on the second.</p><p>Since the correlation, in fact, reflects only the degree of similarity of the graphs, it is not at all necessary that in the presence of a high correlation coefficient, there will be some real interconnection between the trading instruments. It is quite possible that two graphs for absolutely random reasons will be similar to each other. But if the number of graph points is large enough, i.e. The correlation is statistically reliable, then the probability of accidental coincidence becomes negligible. In this case, we can talk about the existence of a relationship between financial instruments, which ensures the similarity of their schedules.</p><p>It is the ability of correlation to measure the interrelation between financial instruments makes it an extremely useful tool for pair trading. Recall what is pair trading. This is a multidirectional trade of interrelated tools, where profit is extracted by playing to eliminate imbalances that periodically arise between these tools. The key word here is “interconnected”, since the success of the strategy will depend directly on how strong and real the relationship between the pair of instruments is. But how to discover interconnected tools among the hundreds of options available on various exchanges? And here the correlation coefficient comes to the rescue. It is enough to sort through all possible pairwise combinations of trading instruments, calculate the correlation coefficients for them and select those from which this indicator will be quite high (for example, more than 0.8).</p><p>In order not to do such complex calculations yourself, you can use online services to calculate the correlation. One of the most convenient free services is Correlation of pairs on the site megatrader.org. This service displays pairwise correlation of tools in the form of a correlation table, allows you to specify tool lists and time frames. He is also interested in the fact that, in addition to the correlation itself, it is possible to immediately calculate the weight coefficients for the instruments that make up the pair, and also to plot the spread of the pair. To do this, just click on any correlation value in the table, and the page with a spread graph and automatically calculated weights will open on the site. By the way, these coefficients can be adjusted manually and see how this will affect the spread schedule.</p><p>Of course, among the selected pairs with high correlation there will most likely be some percentage of pairs with a false dependence. There are two ways to combat this. First, during selection, it is necessary to pay attention to the fact that both instruments are from the same sector of the economy. In this case, the probability of accidental coincidence is significantly reduced. Secondly, it is worthwhile to trade not with one pair, but with a portfolio of pairs. Then, even if some pairs turn out to be random, their losses will be compensated by the rest of the pairs, and the total return on the portfolio will remain positive.</p>]]></content:encoded> <wfw:commentRss>https://pfqstms.info/using-correlation-in-pair-trading,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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