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Most Orlando luxury estate buyers come with cash in hand


The buyer who purchased Dwight Howard‘s estate in Seminole County last month wasn’t the Orlando market’s only luxury seeker to come with cash in hand.

The NBA star had three cash offers on his lakefront mansion, which sold last month for $3.4 million — $1.5 million less than the asking price.

Of the 20 Metro Orlando homes that sold for $2 million or more during the second quarter, 12 of them, or 60 percent, went for cash, according to a new study by the real estate research firm RealtyTrac. Nationally, 45 percent of buyers in that price range paid cash during the period.

Related Dwight Howard unloads Chateau D’Usse for $3.4 million Get text alerts on your phone! Pictures: Orlando power brokers Photos Pictures: Orlando powerhouse businesses Pictures: Closed for business: Orlando-area retail and restaurant closings Pictures: Notable chains make their way to Orlando See more photos » Topics Orlando Real Estate Homes Real Estate Buyers See more topics »

Regardless of how they are funded, the number of high-end deals has increased in the Orlando market. Reports from the Orlando Regional Realtor Association show that the core Orlando market, which mostly includes Orange and Seminole counties, had 156 sales of $1 million or more from January through July — more than double the rate five years ago during the real-estate downturn.

“The vast percentage of my high-end sales have been cash” for at least the past year, said Nancy Bagby, an associate for Fannie Hillman and Associates of Winter Park. “There are a couple of reasons for this. For one, we’re getting cash offers from people who know they can get a better deal if they don’t have a 30-day contingency on getting financing.”

Pictures: Orlando attractions that have closed

In addition, she said, cash buyers can avoid going through the appraisal process. Appraisers have come under fire from real-estate agents for various reasons — including being too conservative and being unfamiliar with neighborhood values, according to a 2013 survey of agents by the National Association of Realtors.

Anecdotally, real-estate agents say those buyers also “crowd-fund” by getting friends and family to loan them cash so they have a better chance of getting a contract in multiple-offer situations, said Daren Blomquist, vice president of RealtyTrac. After the sale closes, they secure more traditional financing to repay their original lenders.

In markets such as Orlando and Miami, the high proportion of cash sales is also being driven by foreign buyers who are looking for a place to park some of their savings.

“The thing we hear the most from brokers and agents working with foreign investors is that the U.S. real estate market is considered a safe haven and, now that it’s coming off from a downward cycle, they also consider it a value proposition,” Blomquist added.

Wayne Weger, the listing agent on Howard’s house, said prospective buyers for the home on Markham Woods Road were all of Middle Eastern descent. But they weren’t looking for a safe haven for their money as much as they were seeking a place to enjoy their success, he said. Software entrepreneur Nisim Heletz purchased the 11,000-square-foot house.

Just as Orlando had a disproportionately high rate of cash deals in the upper end of the residential market, it also attracted plenty of cash for more affordable housing. For houses and condominiums selling for $100,000 or less, more than 80 percent of the buyers paid cash in Metro Orlando. The rates were 78 percent statewide and 67 percent nationally.

The number of cash deals is declining in Florida, however. In the four-county Orlando region, 52 percent of residential sales during the second quarter were cash — down from 56 percent a year earlier. The rate of cash buying declined similarly throughout the state but increased slightly across the nation. or 407-420-5538407-420-5538


Nama generates €16.5bn

Nama generates €16.5bn

Nama has generated €16.5bn in cash and redeemed €7.5bn of senior bonds since it was established in 2009, according to its 2013 end-of-year statement.

The agency was set up by the previous minister for finance, Brian Lenihan

By John Walsh, Business Correspondent

The agency was set up by the previous minister for finance, Brian Lenihan, to take over roughly €74bn of development loans from the domestic banks in exchange for just under €32bn in senior bonds.

It generated €5.8bn in cash last year through €3.8bn in asset disposals and the balance through rental income. Nama has also received €1.4bn in interest and payments from the special liquidators of IBRC.

When the former Anglo Irish Bank was liquidated last February, Minister for Finance Michael Noonan announced any IBRC assets not sold to private investors would be transferred to Nama. That divestment programme is ongoing and is scheduled to be completed by the end of February.

Of the total €16.5bn in cash generated over the past 45 months, €10.6bn has come from asset sales including loan portfolios and other assets held as security.

Over the course of 2013, it sold a number of loan portfolios including a joint venture with Starwood Capital and Oaktree capital for the acquisition of the €800m Project Aspen, which consisted of Irish commercial property assets. Nama retains a 20% interest in Project Aspen as part of the joint venture agreement.

The sale of Project Club, which is a €250m portfolio of Irish shopping centres was completed last month. Nama said bids are also in for the €373m Project Holly loan portfolio, which is secured by offices, hotels and land in Dublin and Meath. Kennedy Wilson, Lone Star, Starwood Capital and a joint bid from York Capital Management and D2 Private are in the running for Project Holly.

Final round bids are also in for Project Platinum, which is a portfolio of four Dublin office buildings.

Nama has been embroiled in a spate of recent controversies. The property developer, Paddy McKillen accused the agency of leaking sensitive details to the Britain-based Barclay brothers about his loans relating to the Connaught, Berkeley and Claridges hotels during a legal dispute over control of the landmark properties.

Nama chairman Frank Daly and CEO Brendan McDonagh denied any allegations of impropriety when they appeared before the Oireachtas Public Accounts Committee (PAC) last month.

An ex-Nama employee, Enda Farrell, has also made a number of allegations of malpractice against the agency, which it denies.

At the end of December, Nama held a cash balance of €4.3bn. It has approved close to €1bn in development funding to complete construction projects in this country.

At the end of 2013, it had delivered 596 units for social housing purposes and it expects another 500 units will be taken up this year by local housing authorities. Another 900 properties are expected to go to social housing over 2015 and 2016.

Overall, it has identified 4,400 properties potentially suitable for social housing.

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Easy 3 Month Payday Loans With No Credit Check

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Ahead of winter, your house is in need of minor repairs. As the season is round the corner, you cannot delay taking up the repair job […]

Choose Wisely When Considering A Payday Loan – Oxford Round …

Image 8085692095_171e78c3bf_m.jpg

TIP! Give yourself some extra time to review the necessary paperwork if you need a payday loan and you are a self-employed person. Payday loan companies usually deal with self-employment differently than those who have traditional jobs.

Sometimes, folks find they don’t have the dollars needed to repair their broken furnace in the middle of winter. Maybe their car needs repairing. When you need money in a pinch, a payday loan may be just what the doctor ordered. Find out more about these loans in the following article.

TIP! When you get a payday loan, do not borrow more money than you are able to afford. Sometimes they’ll offer you more money then you need, but if you accept more than you’re positive you can pay back right away, then you’re just going to hurt yourself in the end.

Know that if you don’t pay off a payday loan when you’re supposed to, it could go to collections. You credit score will go down significantly. It’s essential you have enough money in your account the day the payment will be taken from it.

Always have a clear understanding of the terms and true costs before you accept a payday loan. You can avoid any surprises by reading the terms and conditions.

TIP! Always research first. Do not sign on with the first lending service that you come across.

When you have a payday loan, you have to make sure you pay it off by the date it is due. Defaulting on a loan lowers your credit and makes it much harder for you to take out loans in the future.

If you are having trouble paying off your payday loan, seek debt counseling. Borrowing money at a high interest rate can put you in a worse financial situation.

Payday Cash Advances

TIP! You should only secure a payday loan when you really need the extra funds for an emergency. Taking out a loan to buy nonessential items is inadvisable.

In addition to the usual high interest rates and added fees, payday cash advances can also put you at risk of incurring overdraft fees. Overdraft or bounced check fees can greatly add to the already initial high cost and high rates seen with payday cash advances.

TIP! Are the guarantees given on your payday loan accurate? A lot of payday loan companies prey on people that cannot pay them back. These companies will prey on the weak, so that they can make more money in the long run.

Consider all the options that are available to you. Research both personal loans and payday cash advances to see which would be more beneficial for you. Your credit rating and your desired loan amount affect the rate that you get. Doing your research is going to save you tons.

TIP! If you are looking to get a payday loan, ensure that you go with one with an instant approval. If they claim it is impossible to determine your eligibility immediately, they have an outdated operation that you should likely avoid anyhow.

We hope that this payday loan article has been useful to you and has provided you with valuable information. Use the information in this article to make wise decisions. Don’t do anything hastily because payday advances can be expensive. It can really help you out, but it can also hurt you bad, too.


Should I refi with an interest-only ARM?

Dear Dr. Don,
We bought our home two years ago for $735,000. To finance it, we borrowed $417,000 on a jumbo loan, $138,000 on a home equity loan and made a $180,000 cash down payment. We will have the home equity loan paid in full around June. After that, we’d like to refinance the mortgage. The balance is right around $400,000 now. I’d like to put another $20,000 more down and get a 5/1 interest-only adjustable-rate mortgage. That’ll lower my monthly payments, giving me enough extra cash to pay off the mortgage in five years. Is this a good move?

— Shelly

Dear Shelly,
Bankrate readers may feel a little envious over your ability to finance your home. After two years, you’re close to paying off a $138,000 home equity loan, and you also have an extra $20,000 to pay down your first mortgage? That’s impressive.

Your original first mortgage was within conforming loan limits at the time for a conventional mortgage, so I’m not sure why you were placed in a jumbo, or nonconforming, loan. A nonconforming loan would have a higher interest rate. You didn’t tell me what your current interest rates are, so it’s impossible to say how much you’d save by refinancing, especially with your plans to aggressively pay down the loan.

If your goal is to pay off the refinanced mortgage over the next five years, then you have no real need for an interest-only loan. With rates so low, I also don’t see the need for a 5/1 adjustable-rate mortgage. You’re taking on a fair amount of risk that interest rates head higher, but not getting a big discount on the mortgage rate for taking on that risk.

As I write this, the Bankrate national average for a 15-year fixed-rate mortgage is 2.89 percent and a 5/1 ARM is 2.74 percent. You’re risking a lot for a 0.15 percent differential. The pretax mortgage interest differential on $400,000 over one year is $600. I’d be willing to pay that difference to have that low rate locked in for the next five years. Remember that the difference in interest expense would decline as you paid down the loan.

Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter.

Ask the adviser

To ask a question of Dr. Don, go to the “Ask the Experts” page and select one of these topics: “Financing a home,” “Saving & Investing” or “Money.” Read more Dr. Don columns for additional personal finance advice.

Bankrate’s content, including the guidance of its advice-and-expert columns and this website, is intended only to assist you with financial decisions. The content is broad in scope and does not consider your personal financial situation. Bankrate recommends that you seek the advice of advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. Please remember that your use of this website is governed by Bankrate’s Terms of Use.

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Quick Loans for Bad Credit to Cover Winter Expenses

NEW YORK, Nov. 6, 2012 /PRNewswire/ — For individuals looking for a fast and accessible way to boost their cash flow this winter and for the upcoming holidays, has announced its improved loan comparison service is now live for winter applications.

The service is comprised of a sought-after list of household name lenders specializing in bad credit loans and other finance options for non-traditional clientele.

Because of careful profiling and selection of lenders, those connected to the QuickLoansBadCredit platform consistently return high rates of approval, meaning that each application stands a very good chance of being successful. This is largely due to the precision with which the unique QuickLoansBadCredit online application form matches individuals to the best suited lenders.

A spokesperson for QuickLoansBadCredit made the announcement.

“Winter is a tough time for many Americans, what with rising fuel costs, heating and food expenses. The holidays also mean extra spending and, for many, this is the time to carefully consider their options when it comes to borrowing. That’s why we at have introduced some very competitively rated lenders into our service, to offer bad credit loans over the coming months.”

Loans for bad credit are a growth area in the US, as many individuals do not fit standard banking lending criteria due to having had previous defaults, foreclosures or even bankruptcy. All of the lenders connected to QuickLoansBadCredit are able to consider applications despite these circumstances and do not conduct any credit checking.

The spokesperson continued, “When a consumer visits our site and completes the very quick online application form in a couple of minutes, they can be instantly considered by a range of lenders for a bad credit loan. There is no irritating paperwork, a welcome lack of insensitive questions and no complex pre-screening procedure. Obtaining a bad credit loan from a lender associated with our comparison service is the best way to go for those who want to potentially have the money in their account within a day.”

QuickLoansBadCredit is a non-biased matching service and aggregator. To apply and consider all of the options with no obligation, go to the application page.

Sam Ash
Tel: 7683199951


Larger Bills For Heating Are Expected This Winter | PaydayLoans@

New England’s reliance on fuel oil for warming is putting the district in the force focus this winter, with the normal warming oil value imagined to hit a record $3.81 for each gallon. This can lead many families to turn to cash loans in order to pay the bills.

The National Oceanic and Atmospheric Administration (NOAA) declares that it seems like this US winter could be to a little warmer than usually, but not practically as warm as a previous winter in a great part of the country. The present year seems to be similar to a typical weather-which indicates much colder winter temperatures in the mid and eastern areas that last year stayed well above gauge temperatures, Halpert declared.

Energy Information Administration (EIA) head Adam Sieminski states that figure connotes more days high temperature could be required, with ensuing higher aggregate family warming bills–up to 19% higher for fuel oil, in spite of the fact that the value of fuel oil is anticipated to ascent on normal just 2% from the previous year. Different fuel bills will additionally ascent: 15% for instinctive gas, 13% for propane, and 5% for electric high temperature, however costs for the aforementioned powers will ascent small or drop.

People Switch To Natural Gas Hit

Natural gas, the prevailing home warming fuel in a great part of the nation, is in abundant supply at flat costs. In New England, countless householders have been switching from oil to natural gas heat. However New England electric generators are moreover switching, putting a strain on the restricted pipelines conveying into the district from Pennsylvania, the Southeast and Canada. The district has several condensed liquefied natural gas (LNG) terminals, but LNG is way more costly than pipeline gas.

In addition, parts of New England have no right to gain entrance all natural gas, and around one out of four of the zone’s homes still hinge on fuel oil, a far higher rate than whatever viable part of the country, consistent with EIA.

There are positive marks for fuel oil supply. Sieminski stated inventories of warming oil are now low resulting from the fact that the cost has been higher in Europe. That scenario has actually been changed, and supply is coming to, or staying in, the United States.

A different exceptional mark, Sieminski stated: A major refinery close Philadelphia, with 16% of East Coast refining limit, has returned on line following almost being close for exceptional. Some pipeline extensions carrying refined items from the southeast have additionally been finished, he noted.

In any case if there’s an early chilly spell in the Northeast, supplies may be strained and costs may spike, Sieminski warned.

Morse stated a continued with winter value spike in Unique England might trigger the first-ever discharge of store supplies.

Sieminski stated that, under the law, a choice on any discharge could be dependent upon the president.


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What Online Payday Loan Can Do for You When You are in Need …

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Imagine that your car broke down and you needed it to be repaired in order to make your living. The car is your only means of getting to work and without it your family would go without food and you could possibly get fired from the job. Would you be willing to pay a little bit of interest in order to keep food on the table? This is the scenario that a payday loan could help with.

A payday loan is a short term loan that an individual can take out in order to cover a sudden expense that could leave them in a bind. A car repair is one example of when example of when it could be beneficial. Some other examples of when payday loans (more: could benefit someone could be for a medical emergency, sudden home repair, or even replacing a furnace in the winter.

Taking out a payday loan is relatively easy. First step is to find a reputable company that does payday loans. Once you find the company they will ask you for important financial information that includes your date of birth, social security number, and the date of your next payday. Companies need to have this information for any loan that you ask for in order to secure payment back in the future. The payday loan company then sets up a payment schedule on your next two or three paydays. After you have paid back the loan, the company allows you to take out future loans if necessary.

One of the important benefits of payday loans is the very easy application stage. This is important to think about. Payday loans were created in order to help individuals with lower credit scores that don’t have the ability to take a loan from a regular bank. In the last decade as credit seemed to dry up, payday loans helped many individuals bridge the gap and live normal lives.

There is a lot of negative press that accompanies payday loans. Like other financial tools, there are people who have decided to use them incorrectly. They spend the money and then still expect to spend the money they make at payday. The truth is that if people can’t understand being accountable any financial tool can be misused. The goal of a payday loan is to use it once and repay it as the funds become available. One of the misuses is similar to how people misuse credit cards. They continue to outspend there means, therefore adding on lots of interest and digging a deeper hole. As long as you remember that it needs to be paid back, you can stay out of the recurring loan process.

In Conclusion, payday loans can be a useful tool when used correctly. Like other financial tools they may not be for everyone. In that opening scenario, a payday loan could help resolve the situation and make sure that individual can provide for his family. That piece of mind is well worth paying a little bit of interest for. I believe we can all agree on that.

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Overnight Payday Loan | Praktikak

If you are like many people, you do not have much money left over between paychecks. You might not have extra money to cover an unexpected expense. When an urgent expense arises and you have no other alternatives, you might want to consider an overnight payday loan. Overnight payday loans are also known as cash advance loans.

An overnight payday loan that will allow you to borrow money until your next payday. In essence, you are taking out an advance on a future paycheck. If you have a temporary financial crisis that is not of a large magnitude, an overnight payday loan can benefit you. You will be able to access some money for your unexpected bill without much trouble.

Applying for an overnight payday loan is rather simple. You can apply online by entering some basic information. Cash Advance loan companies do not usually require a credit check.

They will ask for bank account information since where they can deposit your loan. Of course, their primary focus will be collecting employment and payday information. You can be pre-approved for an overnight payday loan with just a few minutes of your time. If approved, you can receive the loan in your bank account overnight while you are resting.

Some payday loans are designed to offer you cash in your bank account within about 12 hours. When your car is sitting on the highway waiting to be repaired or your furnace has stopped running in the middle of winter, this type of loan can feel like a lifesaver.

The amount of money you receive for an overnight payday loan will depend on the size of your paycheck each pay period.

This money will need to be paid back on your next pay date or else you will need to take out an extension. You will need to make a payment on your loan but will not need to pay it back in full if you take an extension. Most payday loan companies will limit the number of times that you can request an extension. You will end up paying much more back in interest if you request extensions.

Although these loan options should not be used frequently, they can be a help especially if you have a family. Money can always be tight, and it is nice to know that there is such a fast and easy way to access cash on occasion if you have a financial emergency. The next time that you are scrambling for cash in a hurry for a necessary expense, you might want to apply for an overnight payday loan.