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capital structures

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2002 And 2001: The Years In Review
In 2002 housing and mortgage economists were busy debating the hot button issue of whether the U.S. would experience a housing price “bubble”. But while the debate raged on U.S. equities continued to be pounded with short sellers taking the upper hand. It's safe to say that the stock market...
Tags: Investment, Financial services, equity, stock market, U.S., analysis, stock
White papers
Mortgage After Bankruptcy - Bankruptcy Discharged Yesterday?: Purchase a Home Today!
Today, there is a growing realization of the need to offer home loan products that are specifically designed for borrowers with an imperfect credit or financial history. Mortgage programs have been created especially for borrowers who have gone through a bankruptcy. In fact, those with a bankruptcy discharged for even...
Tags: Litigation, bankruptcy, borrower, financial
White papers
Innovative Lease-to-Own Solution Helps Wireless Elementary School Open for Classes
Cyberschool is operated by a nonprofit company under a five-year charter granted by the City of Milwaukee. The leasing agreement with Johnson Controls to install mechanical, electrical, plumbing, fire alarm, security and control systems allowed Cyberschool to be built without diverting funds from technology inherent to its design and mission....
Tags: Capital structures, Johnson Controls Inc., leasing, financial, wireless, security
Case studies
Mortgages After Bankruptcy: Easier Than You Would Expect
Whether a person had to turn to bankruptcy because of a divorce, a medical emergency, a job loss, or a problem spending habit, the person needs to give himself or herself a little time for the air to clear before house hunting. Mortgage lenders will want to see that the...
Tags: Litigation, bankruptcy, job
White papers
SCORE Delivers Advice And Guidance For Packaging Store Franchise Owner
Tom Scherwitz of San Antonio, Texas, never planned on running his own business. But with so many possibilities and pitfalls associated with being a small business owner, Tom was venturing into unfamiliar territory. SCORE volunteer counselor Hap Appleman recommended that Tom contact The Entrepreneur's Source, a consulting firm that performs...
Tags: accounting system, leasing, small business, consulting, accounting
Case studies
Households Refinance Their Mortgages
As inflation raises the market value of the home, the size of the available loan rises, thus providing a hedge against inflation. Since the homeowner and lender already have a relationship, transaction costs are typically less than applying for a loan elsewhere. Home mortgage and home equity credit is the...
Tags: Mortgages, Currency & Foreign exchange, homeowner, mortgage, inflation, consumer credit
White papers
Innovative Financing Supports College Improvements and Growth
Considered one of America's most beautiful college campuses, Dillard University is a historic black college situated on 55 acres in a residential section of New Orleans. The University wanted to update building systems and increase efficiency. Also it was looking out to create a safe and comfortable environment for students...
Tags: Financial accounting, Johnson Controls Inc., leasing, financing, finance, environment
Case studies
SCORE Helps In-Business Owner Fish For Savings
Mark and Dorothy Ward started Everglades Angler, a fishing and retail goods business. Mark read about SCORE while reading the Naples Daily News. He decided to start a business mentoring relationship with Naples of Collier SCORE Counselor and Past Chair Henry Rambacher. Henry and Mark met for 12 sessions, reviewing...
Tags: inventory control, business management, leasing, Human Resources, advertisement, sales
Case studies
GMAC Commercial Mortgage: GMAC Commercial Mortgage Reduces Cost of Sarbanes-Oxley Compliance by 50 Percent
Facing the need to track more than a thousand business controls and manage several times as many documents for compliance with the Sarbanes-Oxley Act, GMAC Commercial Mortgage (GMACCM) knew that it would need more than spreadsheets and file shares. Risk Management Compass (RMC), developed using Microsoft Visual Studio .NET 2003...
Tags: Sarbanes-Oxley, Regulatory compliance, Regulations, Microsoft development tools, .NET, Microsoft Corp., Sarbanes-Oxley compliance, Sarbanes-Oxley Act, risk management, Microsoft .NET Framework, spreadsheet, compliance
Case studies
Cost Meets Energy Efficiency in Wamego, Kansas
The Geothermal Heat Pump Consortium is a non-profit organization with participation and support from the U.S. Department of Energy, the U.S. Environmental Protection Agency, and the Nation's utilities. The PR&W Electric Cooperative has a GeoExchange incentive program for their members that combines rebates and special electricity rates. Ron Dickey's perseverance...
Tags: Geothermal Heat Pump Consortium, incentive program
Case studies
Elmhurst Memorial Healthcare Conserves Capital by Leasing Medical Equipment From IBM
Elmhurst Memorial Healthcare (EMHC) is an integrated, not-for-profit healthcare system serving Chicago's western suburbs. Recently, the provider was confronted with the need to replace much of its aging imaging equipment, including a digital mammography machine. EMHC decided to consider alternative sources of capital for acquiring high-tech medical equipment and turned...
Tags: HEALTHCARE, Vertical industries, Benefits, medical equipment, leasing, health care, imaging, IBM Corp., patient
Case studies
Hanley Economic Building Society, The: IT Infrastructure Upgrade Helps Financial Firm Improve Productivity, Customer Service
The Hanley Economic Building Society, with 70 employees, is located in North Staffordshire, England, offers members mortgage and financial services and has assets worth more than ú270 million (U.S. $485 million).The Hanley's existing IT infrastructure couldn't support its increasingly mobile workforce or meet the organization's growing needs for improved security,...
Tags: Microsoft Windows XP, IT infrastructure, workforce, financial service, information technology, customer service, Microsoft Windows, environment, mobile, financial, Microsoft Corp., desktop, security
Case studies
Refinance After Bankruptcy
Refinancing mortgage after bankruptcy is actually the same as replacing it with an entirely new mortgage. The most common reason for refinancing a person's mortgage after bankruptcy is to get a lower interest rate and save money over the length of the mortgage. It is possible for the person to...
Tags: Mortgages, Litigation, mortgage, bankruptcy, interest rate, payment
White papers
Refinancing After Bankruptcy
Refinancing after a bankruptcy can seem like an especially difficult challenge, but it doesn't have to be. Six months after the bankruptcy has been finalized, a person can find lenders willing to refinance the mortgage. In fact, refinancing the mortgage can help rebuild credit to good standing in two year's...
Tags: Mortgages, Litigation, bankruptcy, mortgage
White papers
15-Year, 30-Year, or a Biweekly Mortgage?
In the past, the 30-year, fixed-rate mortgage was the standard choice for most homebuyers. Today, however, lenders offer a wide array of loan types in varying lengths - including 15, 20, 30 and even 40-year mortgages. Deciding what length is best for a person should be based on several factors...
Tags: Mortgages, mortgage
White papers
SCORE Association Case Study: Bungalow Heaven, LLC
Kerry Ann and Keith Dame found everything they were looking for when they relocated to the Myrtle Beach area several years ago - including a business opportunity. Kerry Ann saw the need for a beach-oriented retail fabric and furniture store that offered a wide range of reasonably priced designer merchandise....
Tags: leasing, profit margin, marketing
Case studies
Mortgage-Backed Securities
A mortgage-backed security (MBS) is a security that is based on a pool of underlying mortgages. MBS are usually based on mortgages that are guaranteed by a government agency for payment of principal and a guarantee of timely payment. The analysis of MBS concentrates on the nature of the underlying...
Tags: Mortgages, Operational accounting, mortgage-backed security, principal, payment, mortgage, equity, analysis, security
White papers
Mortgage After Bankruptcy
Most people probably assume that obtaining a mortgage to purchase a home, refinance or to consolidate debt after a bankruptcy is out of the question. In fact, many people are able to obtain these mortgage services, even 1 day after a bankruptcy discharge in some cases. Loan programs and lenders...
Tags: Litigation, bankruptcy
White papers
How Mortgage Loans Work
Excluding property taxes and insurance, a traditional fixed-rate mortgage payment consists of two parts: interest on the loan; and payment towards the principal, or unpaid balance of the loan. Many people are surprised to learn, however, that the amount a person pays towards interest and principal varies dramatically over time....
Tags: Operational accounting, principal, payment, insurance
White papers
Ten Ways Start-Ups Use Venture Leases and Loans to Generate Millions
The rise of venture leasing and lending has created an opportunity for sophisticated entrepreneurs to gain a competitive advantage. Savvy entrepreneurs are using venture leases and loans to generate millions of dollars for shareholders by leveraging existing venture capital. They have discovered ways to use this flexible financing as a...
Tags: Entrepreneurship, Investment, Financial accounting, entrepreneur, financing, venture capital, equity, competitive advantage, shareholder, tool
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