Syracuse Business Daily

equity .....? residential or comercial, are they the same thing??? what will get more equity??? what is the best investment that I can make????

How do you pull equity out of your home with taking a how equity loan out? First of all how do you build equity in a home? How do you report the equity to your lender? And lastly how to you pull the equity that you’ve built up out of the home with out taking a home equity loan out? Thank you in advance for any help that you can give me.

How does equity work in a startup and how do I cashout on it? I understand that employees take cuts in pay and in return get generous equity. How does that equity materialize in the future? If one is promised, for example, $20,000 in equity but the company suffers, would the employee see that money in the end?

How does private equity work, and how do you become a private equity investor? I am 18 years old and I have an interest in the idea of becoming a private equity investor if I manage to accumulate enough starting capital. How does one go about becoming a private equity investor and becoming a multibillionaire like roman abramovich of millhouse capital, or prince alwaleed bin talal of the kingdom holding company? Please could somebody help explain. Thanks.

What percentage of equity in a rental must you have to qualify for another loan on a primary? Is there a 'rule of thumb' for how much equity you must have in a potential rental property to qualify for a loan on a primary residence property? We're having trouble selling our townhouse, so we're considering turning it in to a rental. We do have some equity in the unit. If we try and rent it, is there a percentage of equity we would need to have in it in order to qualify for another loan on a primary residence??? Credit rating is good.

How does equity work in a startup company? I produce videos for a startup company. I get paid after each finished project. Recently, I got offered to some "equity" but the catch is that my regular paycheck will be reduced. I have an idea what equity actually is but not quite sure how it works. I basically get a certain percentage of the company right and hope the company grows? I guess my main question is what should I ask the company or what do I need to know before I sign the papers. What's a good offer and what's a bad one? Thanks.

Getting rid of neg equity by leasing a new vehicle? How does it work? The negative equity for both cars is around 9000. Is it possible for me too trade in both cars towards a lease on one car and if so would a long term lease (3 yrs or something) ultimately get rid of the negative equity? Or is 9000 combined negative equity just too much?

Can I use a home equity line of credit to purchase another home? I want to open a home equity line of credit. I have 100% equity in my house and an excellent credit rating. I am planning on moving, but would like to buy another house first, and then sell my current house (which would sell for a higher price than the one I would buy). If I use the equity line to buy a house, would the bank permit me to sell my current house and pay them off at the closing? Kind of a bridge loan without the fees.

Can you get an equity line on a home you just bought using another equity line and cash combined? I just bought a house for 65,000 using an equity line and cash. 40,000 in cash and 25,000 equity line. After fixing up, it will be worth about 90,000. Since i don't have a morgage on this house, can i get an equity line right away after moving in and live in it? If yes, about how much will i get? The other house that i used the equity line on will be our rental property.

How much equity am I allowed to keep when selling my house if I file bankruptcy? I am getting a divorce. The mortgage on my house is in my name only. The title is actually in both names. My soon to be Ex-Husband still lives here, he is refusing to pay the house payment. He wants them to foreclose on me. I want to sell the house and use the equity to pay off some debt. The total equity after selling the house would be about $60,000. We have a total of other assets of $50,000. The total assets we have are $110,000. The total debt owed is $44,000. The equity and debt are supposed to be split 50/50, so 50% of the total equity left would be $33,000. If I file bankruptcy would I be able to keep a portion of the 33,000 to hopefully have for deposits on a new home to rent, or such? My soon to be Ex-Husband would not be filing for bankruptcy. How would all this affect him?

What is the difference between Common Equity and Stockholders Equity? I'm having trouble trying to figure out whats the difference between Common Equity and stockholders equity? Are they the same, I just dont want to assume things.

What is the difference between royalties and equity? Let's say you had an idea that could be turned into a successful business. On one hand, you had someone offering you equity in the business but on the other hand you have someone offering you royalties. Which is better equity or royalties? Can someone provide me a plain English explanation as to the difference between royalties and equity?

What is a home equity loan and what is the process to applying/being accepted for one? I paid roughly $90,000 for my home. It was a TLC home and I've fixed it up in the past 9 years dramatically. New roof, new walls, siding, porch, heating system, well etc. My home and property was valued at $275,000 last year. Does equity play a part in this. Am I eligable for an equity loan? I don't want to go into it without fully understanding what it is--I also don't want to go to my banker with stupid questions....Another thing. Im looking to build my own home--hence the loan inquisition.

What happens to built up equity when someone defaults on a mortgage? If a homeowner has a substantial amount of equity built up in a home, what happens to the equity if the homeowner defaults on their mortgage? In other words, what happens to that extra money if the bank sells the home for more than they have loaned out on it?

How can you sell partial equity in a residential property? I co-own a house with one other person (not a spouse). I want to sell the house and move away, but she doesn't. Legally I can't force her to sell, but I've heard I can sell my portion of the equity to someone else so they will become part owner instead. Can this be done? What sorts of people/organizations would make such an investment? How big a discount would I have to give the buyer off of the equity? Professional answers please. If you have no knowledge about this please do not answer.

Can I pull out the equity in my existing home to purchase another home ? This is the situation. We've had our house on the market for about 6mths now. We've lowered it put money into it and everything. We really want to move to Altoona, PA and away from NJ where we are. Can I pull out the equity from our house now then rent this out and move to PA? FYI I've only been here 1yr but we have about $40,000 in equity right now but we have an FHA loan does that matter?

What is equity on a home, and why is it considered savings? Husband and I are just buying our first home. I've heard that equity = savings, but I'm not sure how.

How can a Startup use equity to pay for work outsourced to a different country? How do startup companies in US pay for work done in India with equity. If the startup company is incorporate in the US and it wants to pay a company in India to develop a product through equity - how can this be done? What are the legal paper works that need to be filled?

How does home equity loan qualification works if you’re self employed? I am self employed and want to get qualified for home equity loan. What are the qualifications lenders look at. What do I need to show them and have? Been trying to find out on the net, but can find any good resources. If you know any and dont mind sharing would be awesome. Thanks!!!

What amount of equity do we have to give up for raising money for a startup? We're a startup with a really good concept/idea that can sell and we are various offers, we are entertaining various offers, some asking for large chunks of equity but guaranteed immediate moderate amounts of cash, the others are willing to give larger for smaller stake sold but take longer? What is the optimal amount to give up for the capital you need?

How will negative equity in a home affect a tax lien or foreclosure? I have a home that has negative equity, probably $50k or more. I also have a tax lien for ~$3500. I will be losing my job in about a month's time and it will not be possible to pay my mortgage. If I just walk away from the home am I still responsible for the tax lien?

How do I release equity from my home when my credit is poor? I have built up quite a bit of equity in my home,yet I am unable to re-finance because my credit history over the past year is poor.A lot of lenders will not look at me as I am below 600. Any suggestions?

What's the difference between private equity funds and hedge fund? I read in Business Weekly that pension funds, university endowments, and other big investors invest in hedge funds and private equity funds. An accompanying graph shows that private equity funds had much higher returns than hedge funds in 2006 and 2007, but also greater losses in 2008. What is the difference between the two? Do they invest in different products? If not, on what base would a pension fund choose whether to invest in one or the other? Thank you!

What is the difference between a home equity loan and a home equity line of credit? We need to get access to $30,000, but not sure of the exact amount. Would it be enough to have the home equity line of credit?

How does a home equity loan work? I need to know all the details and if it is a good choice. I have payed off my vehicle and credit cards and have none, but I have alot of student loan debt. Our dilema are the student loans. And paying them. I have heard about home equity loans and heard about being tax deductible. How do they work? Do they look bad on your credit? How much can you borrow ? Does it add to the years to pay off your house? We only have eleven years left to pay as it is right now. Just wondering what is a good option. I even thought that after I graduate and am working that my pay checks can go all to my student loans. I am just looking for some good ideas without having to stress out about debt and bills and such. We are trying to pay our bills off and so far have done good. But those student loans are looming in the background.

How much equity should a 1000 dollar investment buy? If someone (friend, relative, etc) wants to invest in a small business venture, how much equity should be given for a 1k investment. Should equity be given for this relatively small amount? What kind of terms are normal for this size of an investment into a new venture that has no track record of profits.

What is required to borrow money from our equity of our home? So what is required in order to borrow from equity of house? My mother is on the deed but what about if Im not on the deed of the house? Can we both or I still get the loan for 20K. Btw, we have 150K in equity and used for investments. How long does it take to get the money? Sorry I meant and will be used for investment to buy another property.

Is getting Home equity line of credit possible if home have two owner? There are two owner of a house. Mortgage is under one and other owner wants to get home equity line of credit. Home value right now will be at lease $ 800,000 & current mortgage balance is about $ 200,000. It is Newyork city. Is that possible to get home equity line of credit? How much it could be? Both persons name on deed but mortgage has one's name.

How do I get more equity out of my house for the cheapest dollar? I have a 3 bed 2bath ranch style home on a cu de sac. I need some ideas on how I can improve the equity to my house for the long run. Hardwood and tile are going to happen in time. What else you got? Would it be better to expand the kitchen? Should I put an extra room on the back of the house? Should I add a deck out back? Convert my garage into a game room?

What exactly is a home equity loan and can I still get one with bad credit? I do own my own home but am still paying off my mortgage. My son needs more money for college and we've tapped out on student loans and my credit cards are all maxed. I was wondering what I could do and thought that a home equity loan with bad credit might be an option. I don't know if it's a good idea though.

What is the difference between new common stock and internal common equity? It seems that common equity is broken down into retained earnings (internal common equity) and new common stock (external common equity). So other than one being internal and the other being external, is there any other difference between them?

What does social justice and equity mean? I have looked through all the answers on this question previous and this is what i've come up with. 'Social justice means being entitled to the same rights and services as all other citizens, which obviously would be hard for someone that only earns $2 a week. Equity refers to fairness and providing people with equal rights and incomes, taking into consideration that people come from different cultures, backgrounds and so on. It is very similar to Social Justice.' Can anyone tell me if that sounds correct? It appeared that there is disputing opinions on this topic. Thanks for any help.

How does the equity of a home play a role in the sale of that home? I hear too often that if my home has equity then thats great when it comes time to sell. The way I see it is that If I own a home free and clear then selling the home will allow me to keep all the money. If I still owe 20000 on my home and it has equity of 400k If I sell it for 400k then I simply pay off the balance of my mortgage (20k). Am I missing something here?

How to best get a combination of mortage and line of equity to buy a second property? Hypothetical situation: * I have paid off the mortage of my primary residence, appraised at about $600K * I'm now interested in using the equity of the above house to buy a second/rental/investment property, sold price of $200K. How should I do it? Option 1: apply for a home equity line from my primary residence, e.g. about $40K equity line to down payment for the second property and get a $160K mortgage. Option 2: is there a way that I can apply for a $200K mortgage off the primary residence to pay off the second house? If possible, wouldn't this be better than option 1? Thanks in advance!

How can you protect your equity in a home if your investment partner threatens to file bankruptcy ? They are filing because of $30-40,000 credit card debt. I've chosen to stay in the house, they have decided to move out but still pay their half of the mortgages until the house is sold...Needing serious help in protecting my equity for my daughters college next year !

How can i get a home equity loan or line of credit to pay off debt,i have delinquent payments on some accounts I was recently divorced, my daughter is in college. I fell behind on some payments on my credit cards in an effort to support my daughters educational needs. I have two homes with approx. $70,000.00 worth of equity. I requested from a local bank where i already have a note to borrow approx. $30,000.00 to pay off all cards and other debts. The banking institution refused my request, stating that i have some delinquent payment issues, on cards, etc. He stated since i have a note with them the only thing he can do, is re-adjust my payments on that particular note i have with them. I am new at this type thing, could someone please give me some advice? I am just trying to bail myself out of the hold that i am in, to make a life better for my daughter. Both homes have a lien on them with the bank.

Why are people with lots of equity in their homes getting foreclosed? I live in Washington, DC and I have noticed that several neighbors have been foreclosed with over 100k worth of equity in their homes. Some company has been buying up these properties and then reselling them for over 100k profit. My question: If the homeowners had that much equity why didn't they just sell at market price and at least saved their equity? Its all a mystery to me!

What are the purpose and social equity related to foreign aid? 1. What are the purpose of a treaty/agreement/special program/competition for foreign aid? Outline their importance to countries involved. 2. What are the social equity implication related to foreign aid.

What is the difference between shareholder equity and shareholder value? Additionally how can shareholder equity(book value) increase but not the value of the shares themselves

How do you open a money merge account without equity in your home? I am researching MMAs and on the United First Financial website it states that no equity in your home is needed. How is it possible to open an MMA which is like an line of credit when there is not equity in your home?

Should I take out a home-equity line of credit to pay down my mortgage to eliminate PMI? My husband and I are currently paying PMI (Private Mortgage Insurance) on our mortgage. (We have no second mortgages.) I know we need twenty percent equity in order to eliminate PMI, but I don't think we're quite there. Is taking out a home-equity line of credit to pay down the mortage a good idea? I know that we'd then have two loans to pay, but the PMI would be eliminate and all of our payments (minus the interest) would be going toward the loan rather that insurance. Is it possible to get a home-equity line of credit for 6%?

Is it better to use home equity or retirement to temporarily make ends meet? We are married in our 40's with a baby. I am stay at home mom and my husband was laid off. We have two homes and no debt aside from mortgages. Should we use our home equity or cash in retirement to make ends meet until we have another income?

What to look for when shopping around for home equity loans? Any advice on what to look for when shopping around for home equity loans? Are there referral commissions? I have a couple of individuals looking for a home equity loan ... I told them I'd look into it for them. I'd like to find a quality vendor, but if referrals commissions are paid out, I'd like to negotiate for that too. How do I figure out what is a "great deal"? PS. I'll happily take general replies but this would be specific to Calgary, Alberta, Canada.

Using equity on my property to build a much needed extension? Can I use equity in my property to build an extension without any hidden payments etc from my lender? I can't afford to get a bigger mortgage to extend. I know that house prices are falling at the moment but as we can't afford to move it shouldn't matter. All advice is welcome.

How can i get a Joint Equity with another person on my home and mortgage liability? What do i need to have a joint ownership(joint equity), with another person, on my home for which i currently have a mortgage? I want to have this other person as 50% owner of the home and as well as the loan liability. The house is located in Orlando FL. US

How to find a real estate equity partner to purchase an apartment building? If you needed more money for a down payment on a cash-flowing apartment building in Arizona, where would you look for an equity share partner?

Is the interest on $200k home equity loan used to buy a new primary residence deductible on Sch A.? We are planning to rent our existing home and pull $200k equity from that home to buy a new primary residence. I am not clear about the $100k deductible limit on the home-equity loans. Can I deduct it on Sch A or against the rental income and is the deductible equity loan capped at $100k. We file married jointly and our AGI is $160k.

What is the difference between a mortgage and a home equity loan? I own a home that is paid off but would like to take out a loan to fund some home improvements as well as help my parents pay off their home equity loan. Given this scenario can I take out a mortgage since mortgage rates are lower or am I limited to a home equity loan. I'm not interested in HELOC's.

How to start a business with shared equity but with owners living in different countries? (US & Indonesia)? I am starting a business venture with an overseas engineering team. I live in the US and they live in Indonesia. We are seeking an arrangement where both sides will share equity in the project. How can this arrangement be structured? What methods will hopefully minimize tax implications? I am a US citizen, and my partner is not.

What is my best option with negative equity in a truck? I have a truck that has negative equity from a previous car. The truck isn't working for me and I owe more on it than I can sell for. What is my best option in getting into something else?

How to value a company if it has a negative book value of Equity? When I calculated the return of equity of a company, I found its book value of equity is negative because of the large treasury stock. If the book value of company's eqity is negative, many valuation method can not be used. So I want to find some method to value the company that with negative book value of equity.

What are the benefits of a home equity loan? What are some benefits of a home equity loan? How does it work? Whats a good interest rate for someone with OK credit? My is good, but my husbands is fair. We are planning on consolidating high interest cards and possibly using sometowards a newer vehicle.

How soon can you get a home equity line of credit after purchase? Also, If there any companies that based their loan decisions only on the amount of equity, without checking credit and debt to income ratio? Thanks

How long do you have to wait for a home equity loan? How long after purchasing a home do you have to wait to take out a home equity loan? Do you have to re-close? Are there loan you can take out beside equity if you own a home?

How much equity is needed for a reverse mortgage? I am looking into getting a reverse mortgage for my father. He lives in the Miami, Florida area. About a 2 years ago he refied and I want to know whether or not he will be qualified because of the last of equity.

How do I sell my motorcycle with negative equity? I'm trying to sell my motorcycle, but I'm upside down. Can I sell the motorcycle and take out a loan to pay off the negative equity. How would this work? Thanks.

What is the typical point for a home equity line of credit? Does anyone know the typical point for a home equity line of credit ? By point, I mean the up-front fee that is proportional to the credit limit. So if the term asks for 5 points (5%) and the line of credit is $100,000, there is a $5,000 fee. Do you think that the numbers I've just mentioned are a pretty good deal, assuming that the interest rate is good? Thank you.

Can I use a rebate to offset negative equity? I want to trade in my wife's car that would be 6-7 thousand negative equity. If I use a rebate on a truck to offset the entire negative equity, is that smart or am I fooling myself? I want to use a $6000 rebate to offset that negative equity basically.

How to use equity from one rent house to buy another? If House 'A' is paid off and now a rental property; and I live in House 'B' with very little equity... Is there a way to borrow against House A for the down payment of another investment property in Texas? Also- What's the deal with TX cash out laws? Would it be better to put a second mortgage on my current home?

How to finance a bathroom remodel when all equity is lost out of home? We bough our home in 2007, put 20% down and now with the market plummeting, we owe more in our house than what it's worth. We make our payments fine, just have no equity to fix a major bathroom problem.

Can you get a home equity loan even if you already got a second mortgage? My credit is not good right now because I have a lot of medical bills that I have to pay off along with some other debts. But I do have a lot of equity in my home. I need to know how can i get my equity to work for me.

How much equity do I need to refinance my house? We've only been in it for 1 year so don't have much equity. We paid 189,000 for it - how much do we need?

What effect does declaration and payment of cash dividend have on total liabilities and debt to equity ratio? A. No effect on total liabilities, increase in debt to equity ratio B.Increase in total liablities, increase in debt to equity ratio C.No effect on total liabilities, decrease in debt to equity ratio D.Decrease in total liabilities, decrease in debt to equity ratio My answer is D. That is correct? I know B is not an answere.

How much equity should I give an investor? My partner and I have found an investor for a new business, in which we need $15,000. The investor has offered to give us this money if their stake in the business is worth their while. What is a reasonable equity to give the investor, or is there some method to calculate this?

What is the best choice for getting money out of my equity in my current home to purchase a second home? I have $70,000 of equity in my current home I need anywhere from $20,000 to $25,000 for the purchase of a second home. Should I refinance or take out an equity loan?

What are some valid reasons to access the equity in your home for a loan? We're trying to get a first mortgage for the equity we have in our home. My husband built our home so we've never had a mortgage. We want to use the money for some financial security but this is not the answer the bank wants. What do they want???

2nd Home is it better to get an equity Loan to purchase or a 1st mortgage? We own our house fully No mortgage value approx $550k. We are thinking that we like to retire early to near the beach. Currently we found nice homes with land in that area for $175k. Is it better to get a home equity for the full cost of the Beach home plus any other small debit (approx $75k 2 cars and a timeshare) or continue to pay on the individual debits and add a Mortgage for the Beach house? The ultimate goal would be to get settled into the 2nd home and then sell the current home pay off the balance and then put the rest in an investment with monthly dividends to use as retirement income until we reach retirement age and also maybe get a parttime job.

what can I do with earn equity on my properties? how can I make money with the equity? I have 2 properties. My house and a 3 unit apartment small complex. I want to know what I can do with the earned equity. I have no debt, I am very frugal. I am a professional, but still I live from paycheck to pay check. any advise? How can I take advantage of this situation? Other than real estate investing what are my options? the real estate market in my area is tough.

What arguments could you make to the board in support of issuing equity to fund growth? 1) What arguments could you make to the board in support of issuing equity to fund growth? What problems, if any, might the firm encounter if it issued equity? 2) What arguments could you make to the board in support of issuing debt to fund growth? What problems, if any, might the firm encounter if it issued debt?

What is appropriate equity in a startup for employee #5? I've been offered a job with 0.33% equity, and I feel like that is considerably too low, but don't have a good sense for what I should expect. Do others?

How is income from the sale of my equity share of a business taxed? Last year I worked for a startup as an independent contractor. I was paid in cash and also given equity shares. The company sold a few weeks ago and I received cash from the buyer in exchange for my shares. I know I'm going to have to pay taxes on it but I wonder if it is investment income or wage income? I read the IRS publication on income (#525) but that seemed to focus on 'stock options' which i believe is something different. I would love some help and advise from your experience. Thanks, Yoink!

What are my chances of getting a home equity loan? Ok, my house is valued at 160,000 I have some where between 80,000-130,000 in built up equity. I have never been late on a house payment and I am going through the bank where I have my mortgage through. The only catch is is my credit isn't the greatest. I am getting it to help pay down my debt, and I am requesting about 20k. Thanks!

Do investors quickly take up equity in a company that is going to get listed? Do investors quickly take up equity in a company that is going to get listed? I learn from a newspaper a company is going to be listed soon in stock exchange. Can I buy a equity in that company before it is floated?

What does a company do with its shareholders equity? What does a company do with its shareholders equity? when they have to pay their expenses, for say, the suppliers they bought materials from... wouldn't they pay that out of the equity instead of out of their revenue... because they are paying you dividends to use your money you have invested... so what are they really using the shareholders equity for? Does anyone know? This is soo confusing. Everybody who answers always gives a different answer.... all i want is one correct answer... could it be such a hard question?