Allah bagi rezeki apabila sudah sedia, Danny bakal timang anak selepas 7 tahun kahwin


PENYANYI Danny X-Factor menganggap kehamilan isterinya Zaidatul Norfazlin Zakaria atau Lyn selepas tujuh tahun berkahwin adalah anugerah yang dinanti-nantikan.Danny atau nama sebenarnya Mohd Khardanie Anwa, 38, berkata dia berasa bersyukur atas kurniaan Allah kali kedua selepas isterinya pernah mengalami keguguran pada dua tahun lalu. 3 Pharma Stocks to Make a Portfolio Feel Better By Tim Smith | November 1, 2018 — 9:55 AM EDT SHARE In a speech at the U.S. Department of Health and Human Services (HHS) on Oct. 25, President Trump detailed how he intends to reduce pharmaceutical prices. His administration plans to establish an "international pricing index" that links the price of certain drugs to what other developed nations pay. The drugs under the microscope are only those generally administered in a doctor's office and covered under Part B of the Medicare program. Because pharmacy drugs are exempt from the plan at this stage, the impact on pharmaceutical companies is likely to be minimal. However, investors should keep up to date with further developments relating to the Trump administration's blueprint to lower drug prices, which was released in May. Those who wish to add top-performing pharmaceutical companies to their portfolio should take a closer look at these three industry leaders in the sector. Merck & Co., Inc. (MRK) Merck, with a market capitalization of $195.74 billion, manufactures therapeutic and preventative pharmaceuticals to treat cardiovascular disease, asthma, cancer and infections. The company's popular cancer immunotherapy drug Keytruda should continue to support the stock into 2019 – its sales increased 80.4% year over year (YoY) in the quarter ended September. As of Nov. 1, 2018, Merck stock has a year-to-date (YTD) return of 32.06% and pays investors a 3.02% dividend. Merck's share price has traded steadily higher since April, with volume rising throughout October suggesting smart money accumulation. Investors may wish to buy the current breakout above $73 resistance or wait for a retracement to the uptrend line and 50-day simple moving average (SMA), where the stock should find support at the $70 level. Chart depicting the share price of Merck & Co., Inc. (MRK) stock Pfizer Inc. (PFE) Headquartered in New York, Pfizer, with annual sales of over $50 billion, is one of the world's largest pharmaceutical companies. Prescription drugs and vaccines account for the majority of the company's sales. Although Pfizer's third quarter (Q3) revenue fell short of analysts' expectations ($13.3 billion vs. $13.53 billion), the company had healthy Q3 YoY earnings per share (EPS) growth of 27.45%. Trading at $43.06, with a market cap of $252.42 billion and a forward dividend yield of 3.17%, the stock is up 21.23% YTD, outperforming the industry average gain by roughly 12% over the same period as of Nov. 1, 2018. Pfizer shares oscillated within a trading range for the first half of 2018 before starting a trending move higher in July. The stock sold off through most of October and is now trading below its 50-day SMA. Investors should look for an entry point at the $41 level, where the stock is likely to find support from the uptrend line dating back to May. Chart depicting the share price of Pfizer Inc. (PFE) stock Eli Lilly and Company (LLY) Eli Lilly is a pharmaceutical company that focuses on neuroscience, endocrinology, oncology and immunology. It has a market cap of $116.46 billion and pays a dividend yield of 2.08%. The company's flagship products include Alimta, Forteo, Jardiance, Trulicity, Humalog and Humulin. Eli Lilly recently took a stake in Dicerna Pharmaceuticals, Inc. (DRNA) to gain an interest in gene-silencing technology. As of Nov. 1, 2018, the stock has returned 30.39% YTD. Eli Lilly shares gapped up on Jul. 24 after the company reported second quarter earnings that surpassed the Street's expectations. Since that time, the company's share price has continued to trend sharply higher. Those who want to buy should seek an entry between $105 and $107 – an area that finds support from a six-month uptrend line and the top of a September consolidation range. Read more: 3 Pharma Stocks to Make a Portfolio Feel Better | Investopedia https://www.investopedia.com/news/3-pharma-stocks-make-portfolio-feel-better/#ixzz5Vc9MiBfs Follow us: Investopedia on Facebook

Hati Masya terguris


KUALA LUMPUR: Tiada yang datang percuma dalam hidup ini dan ada ketika, populariti yang mula diraih terpaksa dibayar dengan harga paling mahal.Bagi bintang remaja, Masya Masyitah atau nama sebenarnya, Siti Nurmasyitah Mohd Yusoff, membaca pelbagai komen netizen yang menghentam gara-gara pakaian yang digayakan ketika menghadiri sebuah acara cukup mengguris perasaan. Why Microsoft's Stock Is Breaking Down By Michael J. Kramer | October 30, 2018 — 1:40 PM EDT SHARE (Note: The author of this fundamental analysis is a financial writer and portfolio manager. He and his clients own shares of GOOGL.) Microsoft Corp's. (MSFT) stock has held up relatively well amid a broader market sell-off, dropping 12% off its high while other mega tech stocks such as Amazon.com Inc. (AMZN), Netflix Inc. (NFLX), Alphabet Inc. (GOOGL), and Facebook Inc. (FB) have suffered far more dramatic declines. But that may be of little solace to investors. Technical analysis indicates Microsoft may drop 6% further from today's levels, which would push the stock 17% off its highs - with more potential declines to come. Additionally, bearish options bets for expiration in December directionally support the weak technical chart. This sobering outlook for Microsoft contrasts with strong fiscal first quarter results that led analysts to raise their estimates. MSFT Chart MSFT data by YCharts Weak Chart The chart shows that the stock has fallen below a long-term uptrend, a bearish indication. Additionally, Microsoft is flirting with a technical support level at around $102. Should the stock fall below that level, the shares could drop to the next level of support at $96, a drop of 6% from their current price around of $102.70. The relative strength index is also trending lower, a sign that bullish momentum is leaving the stock. Another negative indication is bearish options bets for expiration on December 21. The puts outweigh the calls by a ratio of 5 to 1 at the $100 strike price, with 10,000 open put contracts. The puts suggest the stock may fall to $96.30. Higher Estimates Despite the bearish outlook for the stock, Microsoft reported strong fiscal first-quarter results, with earnings beating estimates by 18% and revenue coming in 4% better. Due to the strong results, analysts raised earnings and revenue estimates by about 1%. Analysts have also boosted full-year estimates, and now see earnings rising this year by 14% from prior estimates for growth for 11%, a striking contrast to many high-profile tech stocks with falling earnings and slashed forecasts by analysts. The same is true with Microsoft's revenue, which is now expected to grow by 13% from previous estimates of 11%. Those growth rates are expected to remain relatively stable through the year 2021. MSFT EPS Estimates for Current Fiscal Year Chart MSFT EPS Estimates for Current Fiscal Year data by YCharts Microsoft's stock seems, inevitably, to have become increasingly pulled into the broader tech stock downdraft. But the company's robust earnings and revenue growth may provide a firewall against the worst declines experienced by many of its large competitors. Michael Kramer is the Founder of Mott Capital Management LLC, a registered investment adviser, and the manager of the company's actively managed, long-only Thematic Growth Portfolio. Kramer typically buys and holds stocks for a duration of three to five years. Click here for Kramer's bio and his portfolio's holdings. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Upon request, the advisor will provide a list of all recommendations made during the past twelve months. Past performance is not indicative of future performance. Read more: Why Microsoft's Stock Is Breaking Down | Investopedia https://www.investopedia.com/news/why-microsofts-stock-breaking-down/#ixzz5Vc8WxEdC Follow us: Investopedia on Facebook

“Mereka mahu porak-perandakan rumah tangga kami” - Suami Mia Ahmad jawab dituduh curang


PETALING JAYA: Rumah tangga pelakon Mia Ahmad dan Mohd Izham Tarmizi Roslan diuji ketika si isteri sedang berpantang selepas melahirkan anak pertama mereka pada 28 September lalu. Is Google a Good Investment? By Investopedia | September 6, 2017 — 1:28 PM EDT SHARE Alphabet Inc. – better known by its former name, Google Inc. (GOOGL) – is a technology conglomerate that oversees a number of businesses, including the world's largest internet search and advertising service, the popular streaming video website YouTube, the Android mobile operating system, cloud storage services and varied other growth ventures. Virtually synonymous with online search engines and the internet, it's even become a verb – to google something means to look it up on the web. The California-based company processes billions of search requests each day, and it is among the most visible and recognizable private entities in the world. Although it has ventures in a wide array of internet-based fields, including email, social media, video, analytics, robotics and many other areas, internet search remains the primary driver of its sales and earnings. Google is one of the most successful stocks of the 21st century, launching at just over $50 a share in August 2004 before reaching an all-time high of $1,004 in June 2017. Despite its non-dividend paying status, investors of all stripes have flocked to Google and helped transform it into a $660 billion company. What are some things investors should know before deciding whether to go for Google? Stock Mechanics There are two ticker symbols for Google on the NASDAQ – GOOGL and GOOG – representing two different share classes. GOOGL stands for Google’s A shares, and GOOG is its C shares. Google’s co-founders, company chairman and a few other directors own its B shares, which do not trade publicly. Google split its stock in April 2014, creating A and C shares. The split doubled Google’s number of shares and cut the price in half. But the important difference is holders of GOOGL, or the A share, get one vote per share, and C shareholders get no votes. B holders get 10 votes per share, meaning they hold most of Google’s voting power. Google’s A shares have frequently traded at a small premium to its C shares, showing the market does place some value on voting power (the price quoted above is for the A shares). The bottom line is Google allows investors to buy large shares of its equity, but relinquishes little control. Investors interested in Google who want to vote at its stockholder meetings should aim for the A shares. In 2015, Google established a holding company named Alphabet and changed its slogan from "Don't be evil" to "Do the right thing." This reorganization is just one of many changes coming down the pike for Google investors, and it remains to be seen how the tech giant will handle the transition. Google's Formidable Moat Stocks that are safe investments have moats – that is, an enduring competitive advantage. Examples of a moat are cable companies, given the massive costs of building new wiring infrastructure, or Coca-Cola, which has an iconic name among consumers. Google certainly has a moat in the internet. This is particularly impressive given the rate of change and intense competition on the web, whose flat structure means anyone can build a competing service However, Google has been able to gain and maintain dominance by delivering better results tat faster speeds than its competitors. Further, it has been able to consolidate its market share with its Chrome browser and Android operating system, and it pays Apple to be the default search engine on Apple mobile devices. Billions of Searches Over 3.5 billion searches are made on Google every day. Each search generates a tiny bit of revenue for Google as the company sells ads against these results. Google has 75% of the internet search market and 85% of the mobile search market. Additionally, search on the internet continues to grow as it becomes a more integral part of peoples' daily lives on a global basis. A massive profit driver for the company, this is the main ingredient in making Google a safe investment. Nearly 90% of Google's earnings and revenues come from search. These profits and revenues fund the projects Google hopes become future profit centers. It allows the company to take on massive risks that other companies could not even consider. Additionally, search has given Google a massive war chest and borrowing capacity that allows it to buy out any competitor before it becomes a serious threat. The ubiquity of its search product also ensures it continually evolves its algorithm to deliver better results for users. The more people who use Google search, the more data is collected. Due to these inherent advantages, Google is in a much better spot than its smaller competitors, and is able to withstand competition and stress from economic weakness. And it has a history of doing so. Thriving in Tough Conditions The Great Recession in 2007-2008 was a massive stress test that many companies failed. Like all stocks, Google was also badly damaged by the selling pressure, falling 65% from its high at the tail end of 2007 to early 2009. However, once the stock market recovered and the economy began to show signs of growth, the company recovered all its losses in just three years. More importantly, even while the economy weakened over this time period, Google maintained growth in revenues. With Google's competitive advantage and cash reserves, it has a beta of 1.03, which is significantly less than its smaller competitors that have a beta of 1.6 on average. Additionally during the Great Recession, many of its competitors were unable to survive, with others falling to the brink of bankruptcy. Regulatory Risks This is not to say that Google doesn't face challenges. Governments like to regulate things, though sometimes it takes them a while to get started. This pattern is evident in today's Internet sector, especially for conglomerates such as Google, Amazon and Facebook. The entire net neutrality debate in the United States appears to target Google's competitors specifically, such as Verizon and Sprint, all under the auspices of internet fairness. But Google could be next. Having installed more than 100,000 miles of Internet service provider (ISP) fiber worldwide, the firm is a major contributor to the internet infrastructure. Net neutrality is a slippery slope. The Federal Communications Commission (FCC) regulates radio and TV content, essentially limiting the services that communications companies can provide for their customers and their shareholders. Federal regulation over internet speed is the first stage in regulating Google content, search engine results and advertising. Google could find itself fighting the U.S. government for control over its own business. This is already evident on an international scale. In 2015-16, the European Union brought charges against Google for manipulating search results to promote its own shopping sites. Facing billions in fines, Google could join the likes of Microsoft and Intel among companies successfully targeted by the EU. Similar charges were levied by the Competition Commission of India in 2015, which accused Google of "abusing its dominant position to rig search outcomes." The fine system in India is revenue-specific; Google faces a fine of up to 10% of all income, which is equal to billions of dollars. Underwhelming Diversification If a company grows large enough, it runs into problems of scale. Larger companies have to deal with enormous infrastructure, compliance requirements, staffing headaches and relative inflexibility compared to their competitors. Google may find itself unable to generate more and more revenue through traditional means consistently, which translates into dwindling multiples for investors. In a June 2015 letter to shareholders, co-founder Sergey Brin highlighted so-called "moonshots" that Google was taking. These include major capital investments in driverless cars, Google Glass, biotechnology and artificial intelligence. Most of these projects fall under the operating jurisdiction of Google X, a high-tech laboratory focused on futuristic experiments. Brin and CEO Larry Page had previously warned Google shareholders that the company wanted to be unconventional. Short-term earnings wouldn't always be the focus, they said, because the potential for future innovation was just too exciting. It's a great sentiment for consumers, but it raises alarms for investors. Shareholders may see returns stagnate if Google focuses on unproven, lower-returning ventures and less on generating efficient revenue. There's a possibility that Google could strike it big with a groundbreaking product or two, but there's always the chance that it won't. So far, Google's more down-to-Earth attempts at diversification have yielded modest results at best. Google+ was supposed to be an exciting answer to Facebook and LinkedIn; instead, Google+ has hundreds of millions of members and very little activity. Google Glass has not performed any better. Mobile Apps Replacing Search Engines In terms of mobile access, Google lags behind its competitors. Apple generates a ton of revenue through mobile apps, which is the right space to be in when consumers are increasingly on mobile devices. Traditional search engines – i.e., the old web browser – generate the bulk of ad revenue for Google. Every time a mobile user clicks on an app rather than using a search engine, Google's advertisers lose potential access. Smartphones don't have to go through Google.com to shop, travel or find restaurants. Google used to be the gatekeeper, but now there's a big new door for mobile users to travel through. Google can compete in the mobile access arena, but it doesn't have the same overwhelming advantage against Apple and Facebook that it enjoyed over Yahoo or Bing. Google shareholders will eventually feel this squeeze unless the company can bring in other kinds of income. Broader Market Risks Every stock faces certain kinds of risk, albeit in different ways. In the short term, Google faces serious headline risks over anti-trust lawsuits, regulatory challenges and the continued failure of its Motorola acquisition. Shareholders begin to get cold feet when they read too many negative news stories for too long. In the long term, Google faces the same broader risks as all technology companies. The NASDAQ has plummeted before, and there's no law that tech bubbles can't form – and burst. Stocks in the U.S. experienced remarkable growth between 2010 and 2015, but it's not entirely clear that the fundamentals back up that growth. Even a small pop could cost Google investors hundreds of dollars per share. Capital markets are flush with cash on the back of the Federal Reserve's years-long low interest rate policy. Startup companies are receiving enormous valuations; Xiaomi, a Chinese smartphone maker with very little performance history, received a $46 billion launch in late 2014, for example. If interest rates go up and investors spook, the technology sector may prove to be soft. The Bottom Line Rosy as its performance has been, Google has had its share of missteps and strange investments since going public. The company faces serious challenges moving forward, most of which center around its size and industry dominance. Among these challenges are a need to diversify revenue sources and avoid costly regulations from domestic and international governments. Nevertheless, the stock remains a safe investment due to the dominance of its search business and massive cash holdings. Read more: Is Google a Good Investment? | Investopedia https://www.investopedia.com/investing/google-good-investment/#ixzz5VQNzAWbi Follow us: Investopedia on Facebook

“Video peribadi itu antara saya dan suami” - Ayu Raudhah komen video nakal mirip Zaquan


PELAKON Ayu Raudhah memberitahu video kontroversi mirip suaminya iaitu pemain bola sepak Kuala Lumpur iaitu Zaquan yang tersebar baru-baru ini adalah foto peribadi mereka yang disebarkan individu tidak bertanggungjawab. How Amazon Competes With Google (AMZN, GOOG) By J.B. Maverick | Updated October 29, 2018 — 4:20 PM EDT SHARE Google's (GOOG) direct competitor across the Internet is Amazon (AMZN), and the competition between these two Internet companies has only become more intense in the past few years. Many people consider Google a search engine first and an email provider and ad seller through its AdWords program second. And most people consider Amazon an online shopping platform. However, both companies are Internet giants focused on the selling of goods and services. In the Internet marketplace, the goods and services these companies are trying to sell increasingly result in head-to-head competition. THE BATTLE FOR ONLINE SHOPPERS Amazon, not Yahoo, is Google's main search engine competitor. When people are shopping online, they very often hop right over Google Search and go straight to Amazon. According to an eMarketer reporting on a survey by Adeptmind, almost 48% of online shoppers start directly on Amazon compared with 35% who start on Google. Amazon has worked hard to increase this trend by offering, in addition to just buy-and-sell information, product reviews and answers to customer questions outperforming Google Search in terms of providing the information that consumers want to see. Every time someone bypasses Google, the company loses the opportunity to show the viewer ads, which remains Google's bread and butter business. Google has countered with Google Express, a delivery service designed to at least partially steal away some of Amazon's buying traffic and compete with Amazon's Prime service. Not to be outdone, Amazon is experimenting with drones for delivery services. Part of Amazon Prime has been its music and video service expanded by the development of the Kindle Fire tablet. Google has Google Play. Google also has the Google Play Store, with its Android operating system apps, but then Amazon has its own app store. In the area of video service, both have developed direct television viewing software, Google's Chromecast and Amazon's Fire TV. These two options have swooped in and taken away significant market share from Apple's Roku television service. DIVING INTO DATA Amazon has even made inroads against Google's well-known market analytics program, Google Analytics, with its own service called Amazon Kinesis. The largest market battleground of the future for these massive Internet sector firms may well be the Internet cloud. Amazon, through its Amazon Web Services, or AWS, penetrated the large-scale cloud computing services well ahead of Google. The marketplace in this area is not so much for individual consumers who can already store tons of personal data online for free but for large corporations with amounts of data massive enough to justify paying for storage and data analysis services. Cloud computing is where huge revenues lie. Consider that between data storage servers, software and all other Internet technology services combined, worldwide public cloud services market revenue is projected to reach $186.4 billion in 2018 up from $153.5 billion in 2017. While Google has more data space available on its servers worldwide, Amazon has the most cloud space dedicated to providing cloud IT services. Google has attempted to make inroads by undercutting Amazon on price but, thus far, Amazon's lead in developing, refining and streamlining services has enabled it to match every price cut by Google. But IBM and Microsoft are both strong competitors in the cloud market. In 2017, IBM was beating Amazon in cloud revenue for the preceding 12 months, $15.1 billion to $14.5 billion. THE BOTTOM LINE Amazon's practice from the beginning of collecting the most extensive data on its customer's buying habits and desires has served it well so far in achieving the highest level of targeted marketing. And, while some analysts think Google's financial resources and larger global reach give it an edge in the cloud computing market, it looks like Google has been outpaced by Amazon, IBM and Microsoft. Read more: How Amazon Competes With Google (AMZN, GOOG) | Investopedia https://www.investopedia.com/articles/investing/060215/how-amazon-competes-google.asp#ixzz5VQNHs2Sb Follow us: Investopedia on Facebook

Sedihnya... Zulin Aziz teruskan sesi ‘kahwin’ tanpa pengantin lelaki


PELAKON dan pengacara Zulin Aziz meneruskan rancangan mengadakan sesi 'perkahwinan' biarpun tanpa seorang lelaki selepas hubungannya dengan kekasih berakhir.Zulin atau nama sebenarnya Farah Azleenda Abd Aziz, 28, menggayakan baju, pelamin dan set hantaran yang sudah disediakan untuk dirakamkan dalam sebuah video muzik bagi diabadikan sebagai kenangan buat dirinya gara-gara perkahwinan dirancang musnah. AMD Traders Bet Stock Will Plunge 53% Off Highs By Michael J. Kramer | October 29, 2018 — 11:45 AM EDT SHARE (Note: The author of this fundamental analysis is a financial writer and portfolio manager.) Advanced Micro Devices Inc. (AMD) already has fallen 45% off its 2018 highs - and now it's poised to plunge even further. Options traders are betting that the stock will drop another 11% in the next few weeks. Such a decline would push down the shares 53% from their 2018 high, a stunning decline even to AMD traders accustomed to wild swings in the stock. The technical chart directionally supports the options traders and suggests a decline of 10%. The bearish sentiment comes after the company issued weak third quarter results and weak fourth quarter guidance. That prompted analysts to slash earnings and revenue estimates, as well as price targets. AMD Chart AMD data by YCharts Bearish Bets The bearish put options that expire on November 16 at the $17 strike price suggest that the shares will fall to roughly $16.10. That's because the number of bearish options bets outweighs bullish bets by about 5 to 1, with 7,100 open put contracts. Additionally, the puts at the $18 strike price also outweigh the calls by about 2 to 1. Weak Chart The chart shows that the plunging stock is approaching a technical support level at around $16. Additionally, the relative strength index has been trending lower since hitting overbought levels above 70 in September. It suggests that momentum is leaving the stock. Weaker Forecast As indicated, the negative sentiment is a result of a very weak third quarter. Revenue was 3% below estimates even though earnings exceeded expectations by a penny a share. As a result, analysts have cut fourth-quarter earnings estimates by 13% and revenue estimates by 7%. Revenue estimates for the full year and 2019 also have dropped. AMD EPS Estimates for Current Quarter Chart AMD EPS Estimates for Current Quarter data by YCharts AMD's stock has been on a roller coaster ride in 2018 and is still up by 73% on the year despite the stock's wild fluctuations. However, sentiment for the stock has turned negative. That momentum may be too hard to overcome in the short term, especially if the broader tech sector continues to sell off. Michael Kramer is the Founder of Mott Capital Management LLC, a registered investment adviser, and the manager of the company's actively managed, long-only Thematic Growth Portfolio. Kramer typically buys and holds stocks for a duration of three to five years. Click here for Kramer's bio and his portfolio's holdings. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Upon request, the advisor will provide a list of all recommendations made during the past twelve months. Past performance is not indicative of future performance. Read more: AMD Traders Bet Stock Will Plunge 53% Off Highs | Investopedia https://www.investopedia.com/news/amd-traders-bet-stock-will-plunge-53-highs/#ixzz5VQMQnRR7 Follow us: Investopedia on Facebook

“Hang takdak alasan nak nikah lain” – Pesanan Erma Fatima untuk adik ipar


PERKONGSIAN rakaman video pelakon Erma Fatima sedang meraikan majlis istimewa pengumuman jantina bayi dalam kandungan adiknya iaitu Betty Rahmad mencuri tumpuan netizen.PERKONGSIAN rakaman video pelakon Erma Fatima sedang meraikan majlis istimewa pengumuman jantina bayi dalam kandungan adiknya iaitu Betty Rahmad mencuri tumpuan netizen. How to Save Money on Your Mortgage Jared Paul Jared Paul, CFP, CIMA January 26, 2018 Buying a home in your youth is not necessarily the best course of action. However, if you've already purchased a home or are planning to in the near future, there are strategies you can use to potentially save thousands of dollars over the length of the mortgage. A Mortgage Can Double Purchase Price of a Home The amortization schedule for a mortgage can be shocking. An amortization schedule is a long financial statement included in the loan document that shows all the payments you’ll make over the course of the loan. It also includes the total amount of principal and interest you will pay. Over the course of a 30-year mortgage, it isn’t uncommon for the total you pay the bank, including interest, to amount to double the purchase price. This can have a big drag on your ability to build wealth over the course of your life. Luckily, there are some interesting strategies you can potentially use. (For more, see: Understanding the Mortgage Payment Structure.) Make Additional Principal Payments Each Month In the book, “The Banker's Secret” by Marc Eisenson, he discusses a strategy called “pocket-change prepayments.” The concept is based on making additional principal payments each month to decrease the amount of interest you pay over the life of the loan. By doing this you also shorten the length of the loan, meaning you make payments for a shorter period of time. Making principal payments isn’t a groundbreaking concept. People have been talking about it for a long time. In fact, Eisenson’s book was published in 1990. What is interesting is how much you can potentially save by doing this. There are two main strategies to implement: 1. Send in extra money each period to pay down your principal faster In this scenario you will have to come up with more money each pay period, but this will have a significant affect on your savings. 2. Set up your payments to debit biweekly instead of monthly In this scenario you will be making more payments throughout the year, although they will be for a smaller amount, which will increase your total annual payment. Monthly: 12 Payments Bimonthly: 24 Payments Biweekly: 26 Payments* *Two extra payments each year. An Example of Pocket Change Prepayments For this example, I’ve eliminated taxes and insurance to focus solely on the loan numbers and to account for differences from one part of the country to the next. (For related reading, see: Mortgages: How Much Can You Afford?) Home Price: $252,500 (Current median price of a single-family home in the U.S.) Interest Rate: 3.92% (Mortgage rate data) Terms: 30-year fixed Down Payment: 20% Your monthly payment would be $955.09. The total interest you would pay over the course of the loan would be $141,830.87, bringing the total cost of the home to $394,330.87. In this scenario you will have paid over 56% more than the actual price of the home, and this is with mortgage rates near all-time lows. Paying Extra on the Principal In the first strategy you pay extra on the principal. If we pick $100 extra per month as our agreed upon amount, what would happen? Interest Savings: Over $26,000. Time Savings: Four years and 10 months less of payments. Making Payments More Frequently In this strategy we are looking to make payments more frequently. Instead of making a once-a-month payment of $955.09, you pay $477.54 every two weeks. The key is to make sure your bank allows this and that they are properly crediting the payments so they amortize on this new schedule. You don’t want them to hold your money until the end of each month and then credit it all at once as if you had made only one payment. This won’t provide you any benefit. Interest Savings: $22,771. Time Savings: Four years and one month less of payments. These savings come from a relatively small increase in payments and a very low interest rate. For those with more expensive homes and higher interest rates, the positive effect will be even greater. This same principal can also be applied to other forms of debt, including credit cards, auto and student loans. (For more from this author, see: 3 Reasons Why You Shouldn’t Buy a Home.) Read more: How to Save Money on Your Mortgage | Investopedia https://www.investopedia.com/advisor-network/articles/how-save-money-your-mortgage-altering-your-payments/#ixzz5VKUM5rpV Follow us: Investopedia on Facebook

Neelofa dilamar agensi Eropah, United Kingdom


KUALA LUMPUR: Biarpun sering menjadi mangsa kecaman netizen di laman sosial, keberanian Neelofa dalam menggayakan fesyen menarik perhatian dua agensi antarabangsa untuk melamarnya bernaung di bawah pengurusan mereka.Neelofa berkata, dia akan berlepas ke London, United Kingdom dan Paris, Perancis bulan depan untuk mengikat kontrak bersama agensi di sana The Ins And Outs of Seller-Financed Real Estate Deals Amy Fontinelle February 8, 2017 — 10:29 AM EST Are you a potential homebuyer having trouble securing financing? Are you a homeowner who wants to sell but is having trouble finding a buyer? As a buyer, getting a mortgage can be difficult if your financial situation doesn't fit into neat little boxes — a predictable salary that can be documented with paycheck stubs and W-2 forms, a stable employment history with no interruptions and a gleaming credit score. And as a seller, closing a deal on your home can be difficult if borrowers are having trouble getting approved for loans. Wouldn't it be great if you could take out the middle man and find another way to complete the transaction? In this article, we'll focus on a little-known option—seller financing—that can help you buy or sell a house. Tutorial: Mortgage Basics How Does Seller Financing Work? Seller financing is just what it sounds like: instead of the buyer getting a loan from the bank, the person selling the house lends the buyer the money for the purchase. The buyer and seller execute a promissory note providing an interest rate, repayment schedule, and consequences of default. The buyer sends his monthly mortgage payments to the seller, who gets to earn interest on the loan, perhaps at a higher rate than he could get elsewhere. If the seller chooses to sell the loan (more on that later), the buyer will send the monthly mortgage payments to the investor who purchases the loan. (For more on this subject, see Promissory Notes: Not Your Average IOU.) Seller financing arrangements are often for a short term, such as five years, with a balloon payment due at the end. The idea is that the buyer will be able to refinance before then. Of course, arrangements like this can seriously backfire if you're not careful. Seller financing tends to be more common in markets where mortgages are hard to come by. There are two reasons for this: If mortgages are easy to get, but an interested buyer can't get one, the seller will be highly suspect of the buyer's ability to pay. Hence, when loans are generally difficult to obtain, it's more likely that there might be well-qualified buyers out there who are having trouble securing traditional financing. When credit is tight, selling becomes more difficult, so home sellers are more likely to consider alternative options. Why Is Seller Financing Uncommon? If you're a seller, your first objection to this arrangement might be, "But I don't have the money to lend to a buyer!" Your second objection might be, "I don't want to become a lender. It's too risky." Another reason why seller financing is not that common is that most sellers need the full proceeds from the sale of their home to purchase their next home. But according to Robin Daniels, a real estate investor and landlord in Central Florida, "Many sellers are afraid of selling with owner financing but do not know that the note they hold is something that can be sold to someone else. This could happen the same day as closing, so the seller gets cash right away." In other words, sellers don't need to have the cash, nor do they have to become lenders. The other reason seller financing is uncommon is that people aren't familiar with it. Real estate investor Don Tepper of Solutions 3D LLC says, "There are actually dozens of other ways to buy: lease-option, lease-purchase, land contract, contract for deed, equity sharing, wrap mortgages - and the list goes on and on. Most buyers, and most real estate agents, don't know how any of these work." (To learn more about lease options, lease purchases, and other options, read Rent To Own, Own To Rent and Rent-To-Own Real Estate Full of Pitfalls.) Why Would a Seller Offer Financing? A home seller might be willing to offer financing for a number of reasons: to minimize carrying costs while waiting to find the perfect buyer and get a deal done quickly to distinguish the property from other listings and get it sold faster, especially in a down market to increase the possibility of garnering the home's full asking price to get a down payment to buy another property to pay down debt to ditch the monthly expense associated with owning the house In other words, seller financing doesn't just benefit buyers who don't qualify for (or don't want) traditional financing. It also benefits sellers, especially those who are particularly motivated to sell their homes. Advantages for Buyers Seller financing has many advantages for buyers: 1. The closing process can be faster. Prudent buyers and lenders will always use the closing period to perform their due diligence. But with seller financing, the closing process can be faster. Willie Kathryn Suggs, the principal broker and owner of the Harlem-based real estate brokerage that carries her name, says that with seller financing, "The deal closes faster as there is no waiting for the bank loan officer, underwriter and legal department to clear the file - a process that in New York easily stretches to two or three months for a row house and longer for a co-op." 2. Closing costs are lower. Suggs also notes, "Buyers love [seller financing] because they can get in the home for less money. They do not have to pay the bank fees and appraisal costs." 3. The down payment amount can be extremely flexible. Instead of having to meet a bank or government-mandated minimum, the down payment amount can be whatever the seller and buyer agree to. This does not necessarily mean that the seller will accept a down payment that is lower than what the buyer would be required to pay elsewhere, but it's always a possibility. (You might want to check out 4 Alternatives To A Traditional Mortgage.) Disadvantages for Buyers There are also a few potential problems to consider when investigating the option of using seller financing: 1. Buyers should expect to pay a higher interest rate than they would to a bank. Buyers will have to pay an interest rate that makes the seller want to lend them money over investing their money elsewhere. 2. Buyers will still have to prove that they are worthy borrowers. It's one thing if a buyer and seller just want to remove the bank from the equation. However, if a buyer doesn't qualify for a traditional mortgage, there might be a good reason for that -and a seller may not want to become that person's lender, either. 3. Buyers need to make sure the seller owns the house free and clear or that the seller's lender agrees to the seller financing transaction. According to Jason Burkholder, broker/sales manager and real estate agent with Weichert, Realtors - Engle & Hambright, "most mortgages have a 'due on sale' clause that prohibits the seller from selling the home without paying off the mortgage. So if a seller does owner financing and the mortgage company finds out, it will consider the home 'sold' and demand immediate payment of the debt in full, which allows the lender to foreclose." 4. The original seller might sell the promissory note. It's not really a big deal if this happens, but it means that the person the buyer thinks he will be making his payments to can change. The same thing happens all the time with traditional mortgages. Making It Happen If seller financing appeals to you as a home seller or buyer, how do you make it happen? Add It to the Listing As a seller, you can offer seller financing in your listing. Simply adding three words to your listing - "seller financing available" - will alert potential buyers and their agents of the unique option you are offering. Make the Information Available When potential buyers view your home, you can leave out an information sheet describing in detail the terms of the seller financing you are offering. It might also be a good idea to describe what seller financing is since many buyers will be unfamiliar with it. Ask the Seller to Offer It Buyers who are looking for seller financing could try just asking for it. Todd Huettner, a mortgage broker and the president of Denver-based Huettner Capital, says, "The secret to getting owner financing done is to present it correctly. Rather than asking if owner financing is an option, buyers should present a specific option. For example, ‘My offer is full price with 20% down, seller financing for $350,000 at 6%, amortized over 30 years with a five-year balloon. If I don't refinance in two to three years, I will increase the rate to 7% in years four and five.'" Create a Comfortable Situation Huettner further advises that buyers paint a picture to make the seller comfortable with offering financing. The seller will want to know why a buyer couldn't qualify for a mortgage elsewhere but is still credit-worthy. For example, Huettner says that a potential buyer might have good credit and a good down payment, but may have just started a new business and cannot qualify for a loan for two years. Likewise, sellers must paint a picture to make the buyer comfortable with the arrangement. They should thoroughly explain to the buyer what seller financing is, how it works and why the buyer should consider it. Because seller financing is uncommon, the buyer and seller would be wise to each consult financial and legal experts who understand how it works before entering into such a transaction. These experts should look out for their clients' best interests and guide them through the process. The Bottom Line There's more than one way to buy or sell a house. Just because your financial situation is a little more complicated than traditional lenders prefer doesn't mean you can't buy. And just because banks aren't approving borrowers easily doesn't mean you can't sell your house quickly — and for what it's worth. Seller financing might be just the solution you've been looking for. (If you are still on the fence about whether to purchase a property, check out To Rent Or Buy? The Financial Issues.) 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