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Becky Parker's Real Estate Blog | Gilroy, CA | Mortgage, Buy House, First Time Home Buyers, Foreclosures, Short Sales

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Reverse Mortgage Variation For Seniors To Downsize

Posted by Becky Parker | on Tuesday, May 12th, 2009 at 11:22 am
Category: Mortgage.
Tags: , , ,

Borrowers over 62 years of age may sell their current residence and use a reverse mortgage to buy a new home in a single transaction thus allowing them to be mortgage free as long as they stay in the new residence. This unique transaction is being done under a Home Equity Conversion Mortgage (HECM) for Purchase, a form of federally insured reverse mortgage authorized in the Housing and Economic Recovery Act of 2008.

The program is specifically designed for persons 62 years or older who want to move into a smaller home. The program allows the seniors to sell their current residence and use a reverse mortgage to buy a new one, all in a single transaction thus eliminating paying closing costs twice.

If the seniors have equity in their old home, they may use proceeds from the sale for a down payment on the new one, and then take out a reverse mortgage for the rest. They would still have to cover the expenses for two closings but, except for a review of financial obligations, they wouldn’t have to meet any income, credit or asset qualifications for the new loan. Better yet, they will have no monthly payments because the loan doesn’t have to be paid back until the home is sold.

The loans are called reverse mortgages because, instead of paying the lender, the lender pays the homeowner. The amount received is based on the age of the youngest borrower, the value and location of the home and current interest rates. The borrower can take the proceeds in a lump sum, as a line of credit to be tapped as needed; in monthly installments; or in any combination of the three.

Interest and mortgage-insurance premiums accrue on the borrowed amount, but no payments are necessary until the home is no longer occupied or owned by the borrower. In other words, a reverse mortgage need not be repaid until the borrower sells, moves out or passes away.

And since these are non recourse loans, the borrower never owes more than the value of the property. The owed balance will be the original amount borrowed plus the accrued interest and insurance. If the house is worth more than that when it is sold, the heirs will receive the difference. And if it is worth less, the lender will forgive the difference and not demand any monies from the estate.

The only eligibility requirements are that the borrower must be at least 62 and the home must be a primary residence and held in their name. Cooperatives, second homes, vacation properties and some manufactured houses are not eligible.

The limit on how much can be borrowed is currently $625,500, which has recently been extended by Congress.

However if the seniors choose to use the Home Equity Conversion Mortgage for Purchase, they don’t have to use all of their borrowing power to buy another place. If the house costs less than they can borrow, they can use the difference for other purposes. Or, like a regular reverse mortgage, they can take the rest as a line of credit to use in whatever manner they choose.

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Continue To Rent Or Is Now A Good Time To Buy

Posted by Becky Parker | on Tuesday, May 5th, 2009 at 3:25 pm
Category: Buy Home In, Rent.
Tags: ,

With housing prices falling, the lowest interest rates in years, and government tax credits, now may be a good time to go from renting to buying a home. Conditions may not be this ideal for a long time to come.

There are still buyers out there holding out for the "bottom" of the market but because interest rates are so low, now may be the best time to buy. If you are going to hold onto your home for a number of years, the amount of money that is saved on the mortgage will more than make up for the amount the home may decrease in value.

If a decision is made to buy now, the federal government can issue a tax credit of $8,000, which may be received within as little as 10 days (rather than waiting for the tax filing for 2009). In addition, the interest from a mortgage is tax deductible, and in some instances, mortgage payments can be lower than rent payments.

Job insecurities can also weigh heavily on a potential buyer’s mind. To alleviate this issue, the California Association of Realtors has introduced the Housing Affordability Fund’s Mortgage Protection Program .  Under this plan, a first time home buyer that buys a home in 2009 may have their mortgage payments paid up to $1,500 per month if there is a job loss (certain restrictions apply).

For most people, buying their first home is a big, and sometimes scary step, but taking the plunge can be very rewarding.

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Now Is The Perfect Time To Buy For First Time Home Buyers

Posted by Becky Parker | on Wednesday, April 22nd, 2009 at 12:30 pm
Category: First Time Home-Buyers.
Tags: , , , ,

Now may be the perfect time to buy your first home. Interest rates are at their lowest in years, home prices are lower than we have seen them in years, and there are programs to help make a home purchase more affordable such as:

1. Under the American Recovery and Reinvestment Act of 2009, if you buy a home between January 1, 2009, and November 30, 2009, you may be eligible to receive a tax credit for 10% of the purchase price of your home up to a maximum credit of $8,000. Restrictions may apply.

2. At no cost, the California Association of Realtors® has a protection plan called the Housing Affordability Fund Mortgage Protection Program. Under this program, first-time home buyers may be eligible for help in making mortgage payments due to a job loss or a disability for up to six months at $1,500 per month. However, there are limitations and benefits are only available to buyers who use a California Realtor®.

3. The government has recently reinstated the increase of FHA, Freddie Mac, and Fannie Mae loan limits to a maximum of $729,750. This is good news for California homebuyers where housing prices are higher than other parts of the country.

4. Gilroy has down payment assistance through their Block Grant program and monies may be available for Gilroy residents and full-time educators who work in Gilroy but live elsewhere. Funds, if available, are for people with low and moderate incomes. The program is funded by The Department of Housing and Urban Development (HUD) each year (in May) so they may or may not have monies available at all times. I would encourage anyone that would like to buy a home but are having trouble coming up with a down payment to contact the City of Gilroy. These funds, if available, may be applied for by any person or persons attempting to fund a home purchase.

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Mortgage Rates – Second Quarter 2009

Posted by Becky Parker | on Wednesday, April 22nd, 2009 at 12:26 pm
Category: Mortgage Rate.
Tags: ,

Interest rates for a 30-year fixed rate loan are at a low of approximately 4.875% and an average of 5.18%. Your credit rating and whether you pay for points up front will determine the interest rate you are able to get. A point is generally equal to 1% of your loan amount. If you are going to own your home for a short period of time (less than five years), a higher interest rate may not be a bad thing but if you are going to have your loan for a longer period of time (more than five years), you may want to pay a point or two in order to obtain a lower interest rate. In the long run, you will save a lot of money in interest payments.

I would recommend you get pre-approved for a loan before shopping for a home. In the current market, especially for lower priced properties, there have been bidding wars and multiple offers submitted. When a homeowner and/or bank are looking at several offers, they will generally accept the offer from a buyer that has been pre-approved. I would recommend you apply for a mortgage with Princeton Capital because they have already done the research for you. They work with several lending institutions and have negotiated the best rates available. You can either apply at the website or call Lacey Sullivan at 408.848.7952.

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Home Improvement Pays For Itself

Posted by Becky Parker | on Tuesday, April 14th, 2009 at 12:01 pm
Category: Home Improvement.
Tags: ,

For those of you that are unfamiliar with Staging, it is the process of decorating a home that is on the market to make it more marketable. On some occasions, furniture and furnishings are brought in by an outside source such as a professional Stager. The statistics show that in most instances, Staging pays for itself and then some. An added benefit is that the time it takes to sell your home is dramatically reduced.

If you feel that hiring a professional Stager is not in your budget, there are a few things you can do to make your home easier to sell:

  1. Remove all photographs of your family and pets-neutral art is preferable. Potential buyers want to imagine themselves in the home and having pictures of your family on display make it harder to envision their family living there.
  2. De-clutter as much as you can. The less stuff you have on shelves, furniture, mantels, etc. the less distraction it is for the potential buyer. You want the home to look neat and tidy.
  3. Remove any unnecessary or excessive furniture. Buyers will be looking for spacious rooms so if you have for instance, a bedroom that has furniture against every wall, you may want to remove one of the pieces to give the impression that the room is bigger than it really is.
  4. Make sure you have sufficient light in every room. Buyers like homes that are bright and cheery. When showing your home, it is best to have ample lighting in every room.
  5. If possible, remove any pets, pet beds, litter boxes, food bowls, etc., from sight before potential buyers look at your home. Buyers want to rest assured that there have not been “accidents” by pets left on carpets and floors. Also, make sure all pet smells are gone.
  6. Do the basics such as cleaning carpets, windows, bathrooms, and kitchens. When possible, have a professional cleaning service go through your whole house so that everything is sparkling clean. One thing that will turn off a buyer is a dirty house.
  7. If your home has some rooms that are painted in unusual or shocking colors, by all means paint them in a neutral pallet. It is hard for buyers to envision themselves in a home that is painted red, chartreuse, and bright yellow if they like taupe and beige.
  8. Curb appeal is very important. If your front yard is full of weeds, a brown lawn, and overgrown shrubbery, buyers may not even want to look inside. If possible, hire a gardener to trim, weed, and mow.

Doing some or all of the above items will take effort but will benefit you in the long run. Your home will sell faster than other homes in the area that were sold “as is.”

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Short Sales Can Be Tricky

Posted by Becky Parker | on Tuesday, April 14th, 2009 at 11:55 am
Category: Short Sales.

As you know, a Short Sale is when you sell your home for less than your mortgage balance. In today’s market, Short Sales have become very common due to the downturn in the market. If you are a homeowner in Gilroy, you have seen your home values plummet (30% or more). In this market, unless you need to sell your home, I would suggest you wait until home values start to rise. Of course, there are exceptions such as:

  1. You are upgrading to a nicer home and you have equity in your current home-the new home will also be a bargain.
  2. You must move because of a job relocation.
  3. You would like to convert your home to a rental and you will be buying another personal residence.
  4. You are already behind in your mortgage payments.

In order to keep up with the current trends in real estate, Coldwell Banker conducts training classes on an ongoing basis and they are now leading the industry in short sale expertise. We now have a short sale package that makes it easier to work with the banks and thus making it more streamlined. Short sales are tricky and if an agent has not done a short sale, the process can take much longer than it needs to.

How Will A Short Sale Affect My Credit?

  • A short sale is far less damaging on your credit than a foreclosure provided you are not late on your mortgage payments. After the sale of your home, your credit report will note that your mortgage was paid or negotiated and your credit score may go down minimally, if at all. If other payments have been late or missed, of course your score would be adversely affected.

If I Want To Apply For A Fannie Mae Backed Loan (Short Sale Was A Fannie Mae Backed Loan), How Long Must I Wait After A Short Sale?

  • A homeowner who successfully negotiates and closes a Short Sale will be eligible for a Fannie Mae backed mortgage after two years.

If I Want To Apply For A Home Loan With Any Other Mortgage Company, How Long Must I Wait After A Short Sale?

  • There is no restriction on how long you must wait to apply for a home loan because there are no questions on the application regarding a past Short Sale. As I have mentioned previously, if you were not behind on your payments, there should be no mention of the Short Sale on your credit report. However, if the bank has asked for a deficiency judgment, that is another issue.

Will A Short Sale Affect My Employment Status?

  • A Short Sale is not reported on a credit report and therefore is not a challenge to employment.

Could The Bank Come After Me For My Mortgage Deficiency After The Short Sale?

  • Technically, a bank can come after a homeowner for a mortgage deficiency depending upon the type of loan. In many instances, after negotiating with homeowners, banks will give up their right to the deficiency amount. Banks realize that they are better off allowing a Short Sale because the house is more likely to be sold closer to market value. The bank’s costs and responsibility increase with a foreclosure sale.
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Real Estate Trends, April 2009

Posted by Becky Parker | on Tuesday, April 14th, 2009 at 11:47 am
Category: Real Estate.
Tags: ,

Looking at the real estate market for April of 2009, I have both good and bad news to report. Inventory is low right now and for buyers, this can be a real challenge for obvious reasons. There are more buyers in lower price ranges, both investors and first-time home buyers being the majority, thus causing a bidding frenzy for the “nicer” homes. Because a large portion of the available homes are foreclosures and short sales it is essential for buyers to get pre-approved by a lender. In some cases, getting pre-approval from the bank that owns a specific property could be the best way to buy that particular home. Having a pre-approval letter is the best way to be competitive when trying to purchase a home in this market. If you would like to get pre-approved before you begin to search for a home, Princeton Capital can help. They work with a number of lending institutions and have already researched the best rates and terms for you.

On a positive note, there seem to be less foreclosed and short sale properties on the market than we have seen in the past and that is a good sign for both buyers and sellers. For buyers, it means that the selection shows more pride of ownership and transactions are handled more smoothly. For sellers, it means that the market is becoming more stable and homes prices are not falling as quickly in large part due to the volume of foreclosure homes for sale. We will continue to see short sale properties on the market for awhile but as values increase, short sales will decrease.

If you have been hesitant to purchase a home in the past, now may be the right time to acquire your part of the American dream.

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Should I “Shop” for a Home Loan?

Posted by Becky Parker | on Tuesday, April 14th, 2009 at 11:43 am
Category: Questions and Answers.

All lenders are not created equal. Loan terms, points, conditions, and interest rates can vary and doing your homework can be very beneficial and may save you a lot of money over the life of your loan. Just because you have been banking with the same institution for a number of years does not mean they will give you the best loan terms. Companies such as Princeton Capital have done the research for you. Chances are they will be able to give you a comparison of several companies and then you can make an informed decision as to what is the best loan for your situation.

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What is a Pre-Approval Letter and How do I Get Pre-Qualified?

Posted by Becky Parker | on Tuesday, April 14th, 2009 at 11:42 am
Category: Questions and Answers.

In order to get pre-approved, a potential home buyer goes through a precursory qualification process with a lender prior to searching for a home. The lender asks the purchaser questions about income, approximate debt, savings, etc. Upon completion of this process, the lender will issue a pre-approval letter that shows that the purchaser is qualified for a home loan and the maximum amount that may be borrowed. To get pre-qualified simply fill out an application with a lender of your choosing or Princeton Capital online. If you would prefer to speak with someone, you may call 408.848.7952 or 408.476.8032 and speak with Lacey Sullivan in our Gilroy Coldwell Banker office. Lacey is an independent contractor. I recommend Lacey because I know she will do her best to get you the best loan possible in the quickest time. She also has experience working with the City of Gilroy in helping first-time homebuyers buy their home using government assistance.

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What is a Foreclosure or REO Sale?

Posted by Becky Parker | on Tuesday, April 14th, 2009 at 11:40 am
Category: Questions and Answers.

Basically a foreclosure and REO are the same thing -the bank that holds the mortgage on a home takes the house back when the owner has defaulted on their payments. The bank becomes the “seller” and the original “owner” is no longer involved in the transaction sales.

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  • Avg. Days on Market: 72

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Pulitzer winning climate news

Report Sees U.S. as Energy Self-Sufficient by 2035: Should Canada Worry?

(Montreal Gazette)

The International Energy Agency predicts the United States will be capable of meeting its own energy needs by 2035, but that doesn't necessarily mean its top crude supplier — Canada — has reason to panic.

"The United States, which currently imports around 20 per cent of its total energy needs, becomes all but self-sufficient in net terms — a dramatic reversal of the trend seen in most other energy-importing countries," the Paris-based group said in its World Energy Outlook, released Monday.

Technological advances have helped unlock vast oil supplies from shale rock formations such as the Bakken in North Dakota and Montana.

The increased output, along with stepped up fuel efficiency measures in the transportation sector, mean U.S. oil imports will wane to the extent that North America will become a net exporter around 2030.

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Old 06-29-2013, 10:34 AM   #4
Johnny Jones
Russel Wilson = GOAT
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Default Re: Who should the Pelicans target in free agency?

Originally Posted by bagelred
Pelicans don't have much cap space after Holiday trade. Definitely not "a ton".
1.) Trade Vasquez for future pick
2.) Decline Jason Smith's options
3.) Can give Iggy contract that averages around 12 per
4.) Use your exception to re-sign Jason Smith to another 3 year deal
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SC10 Shaves an Hour Off Exhibits

Having worked exhibits for SC conferences for nearly 20 years, the one thing I could always recite to you by memory was the exhibit hours. These hours were always the same, year after year. But no more.

This year, SC10 exhibits will close on Thursday, Nov. 18 at 3:00 pm, not 4:00 pm as they have in the past. It’s a welcome change in my mind, because everyone is just so darn tired at the end.

SC10 Exhibits Schedule

Exhibition Press Tour
Monday, November 15, 6 – 7 pm

Exhibition Opening Gala
Monday, November 15, 7 – 9 pm

Exhibit Dates and Hours
Tuesday, November 16, 10am – 6 pm
Wednesday, November 17, 10am – 6 pm
Thursday, November 18, 10am – 3 pm

Exhibits Dismantling Begins
Thursday, November 18, 3pm – Midnight

  1. broken_stick says:

    so why stop at 3pm…let’s make it 2pm then!

  2. Come on Rich, you are tired by 3 on Thursday? I guess that does give us more time for beer :)

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Felix Jones slated to play around 8 to 12 snaps vs Chiefs

Running back Felix Jones is in need of making a strong impression starting tonight vs the Kansas City Chiefs and the Steelers are expected to give him that opportunity. Jones is currently slated to play around 8-12 snaps and possibly get some return time. Offensive coordinator Todd Haley is said to be intrigued about Jones ability to catch out of the backfield, so look for some possible designed screens to Jones. In two preseason games with the Eagles, Jones rushed for 45 yards on 12 carries, with a long run of 8 yards.

About The Author

William DePaoli

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William DePaoli is the President/Founder of Inside Pittsburgh Sports LLC and can be reached at wdepaoli@insidepittsburghsports.com

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Sophomore slump? Don't bet on it

Andrew Luck, Robert Griffin III and Russell Wilson all have areas to grow in Year 2. AP Photo, Getty Images

Andrew Luck, Robert Griffin III and Russell Wilson led the way for the greatest rookie quarterback class in NFL history last year. From breaking records to leading sub-.500 teams in 2011 to the playoffs in 2012, their seasons are in the conversation for the best debuts ever.

So how many of them will suffer the dreaded "sophomore slump" this year?

Not so fast. By and large, the sophomore slump has become a false prophecy. For starters, in order for it to even be applicable the Year 2 QB must have been really good the previous year. No one is going to accuse Cleveland quarterback Brandon Weeden of a sophomore slump this year, because he was one of the worst starters in the NFL, ranking 33rd in Total QBR. How much lower could he go?

Based on the recent trend, rather than predicting the player to take a step back, the expectations should be that these QBs will continue to progress. That first season was a great learning experience and the time to make the rookie mistakes you will not make again.


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Wacom Cintiq 21UX Gives The Feel of Real Drawing

Comic Con 2011: In the past, digital drawing tablets have suffered from not being able to recreate the pen- or brush-on-paper experience. That may have finally changed with Wacom’s re-engineered Cintiq 21UX, a 21-inch interactive screen controlled primarily by a pen with 2,048 levels of pressure. As you push it down you get a bolder, wider or more opaque stroke. Combine that with express keys on the side and you’ve got tons of drawing tools for the serious professional creative.

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Tuesday, September 07, 2010

Fernando Umberto Garcia de Nicaragua, Prefectus Maximus: The Jacksonian Institute

Hawking has grown increasingly unhinged in recent years. Who can explain it?

Ron Krumpos

In "The Grand Design" Stephen Hawking postulates that the M-theory may be the Holy Grail of physics...the Grand Unified Theory which Einstein had tried to formulate and later abandoned. It expands on quantum mechanics and string theories.

In my e-book on comparative mysticism is a quote by Albert Einstein: “…most beautiful and profound emotion we can experience is the sensation of the mystical. It is the sower of all true science. To know that what is impenetrable to us really exists, manifesting itself as the highest wisdom and most radiant beauty – which our dull faculties can comprehend only in their primitive form – this knowledge, this feeling, is at the center of all religion.”

Einstein's Special Theory of Relativity is probably the best known scientific equation. I revised it to help better understand the relationship between divine Essence (Spirit), matter (mass/energy: visible/dark) and consciousness (fx raised to its greatest power). Unlike the speed of light, which is a constant, there are no exact measurements for consciousness. In this hypothetical formula, basic consciousness may be of insects, to the second power of animals and to the third power the rational mind of humans. The fourth power is suprarational consciousness of mystics, when they intuit the divine essence in perceived matter. This was a convenient analogy, but there cannot be a divine formula.

I'm afraid I have to agree with Fernando.

It's a fairly common delusion for a Ph.D. to believe that his thesis is one of the crowning achievements of Western Civilization. (Of course, *mine* really is! :-) ) Hawking takes this a bit far, though; he seems to believe that his thesis, or at least the subject he has concentrated on, actually created the universe.

By the way, Mr. Garner should use Dr. Hawking's correct title.

Teo Matteo

OK, i'm going to really catch an appropriate amount of flak for this... but here goes. I think that Hawking's attention is sorta like Vincent Van Gogh. I've always thought that Van Gogh recieved his fame not with his paintings but cuz he cut off his ear in his madness and then did a self portrait of it and then committed suicide which is as dramatic as an artist can get. If one just judged him simply by his painting (especially his portraits of others) he'd be really average. Now, you see where i'm going with Hawking? If he was a perfectly healthy scientist and wrote these things we probably wouldn't be yakking about his metaphysics or the lack thereof...I'm SURE he is very good at science.
OK, let me have it!!!

M. Love

Lawrence Krauss (who has an upcoming book titled A Universe From Nothing) supports Hawking in today's WSJ:

Truly an eye-opening read. Apparently snowflakes and rainbows are somehow evidence against God, though I regret to point out that the crucial issue of whiskers on kittens remains unaddressed. Also, the fact that the universe may contain zero net energy also buttresses the atheist case. How? Because that's exactly what we'd expect if the universe had arisen from nothing. QED, dulls.

Truly, these are heady and hilarious days to be a Christian. The Lord, in His infinite wisdom, has delivered the goofiest of all conceivable enemies into our hands.

Sanity Inspector

"By the way, Mr. Garner should use Dr. Hawking's correct title."

I think that that is a stylistic rule at the Times: everyone is Mr. or Ms.

Even as science claims to one-up religion, Hawking's claim can be reconciled with the Church's teaching. While, of course, Hawking has not observed, does not reason an existence or otherwise acknowledge a Creator, his claim that universes come about somewhat without reason is actually what the Church has taught for millenia. God created everything from nothing, not for any known, observable, easily discernible reason such as to give himself friends, to prove his power or anything to benefit Himself, but for reasons largely left unexplained by both faith and science.

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Frightened Rabbit: Old Old Fashioned (live)

Hey music junkie! First time here? Click over to http://insomniaradio.net/subscribe/ and get all of our content (tons of music) delivered for free. Enjoy your time here, and keep it loud!

Frightened RabbitFor a long while here at Insomnia Radio we’ve been missing a forum for properly presenting the live tracks that we come across, and those few acoustic tracks that fall by the wayside and don’t get the promotion that the more polished studio tracks from any  given artist receive.

We feel the live act is a visceral experience all its own deserving of a separate feed, one which we’ve created temporarily dubbed “LIVE & ACOUSTIC” for lack of a better name.   Some of the tracks presented here will be a bit more polished and short, while some will have extra audience noise and will even approach 10-30 minutes in length due to the creative exploration taking hold during a performance.   If interested in subscribing, you can do so here or via the superfeed at the link at the very top of this page.

Our first artist coming at you down this feed is Scotland’s own FRIGHTENED RABBIT, currently on Fat Cat Records and whom we have managed to catch live twice. The show is definitely all its cracked up to be – lots of energy, musicianship and a storm of emotion washing over the audience.

Here’s what IODA says about their 2008 live album:

Liver! Lung! FR! is Frightened Rabbit at their very best – live. The intimate, mostly-acoustic set documented here was recorded in July 2008 in Glasgow and mixed by Mice Parade’s Adam Pierce. Among other surprises, special guests pop up here and there on the album such as Glasgow scene staple Ross Cook adding rollicking mandolin to “Old Old Fashioned.” The stripped-down instrumentation brings singer Scott Hutchison’s vocal delivery – now wrenching, now soaring – to the fore, showcasing the emotive lyrics and memorable melodies that have earned the band their passionate following.[ioda]

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Liver! Lung! FR!Frightened Rabbit
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How To Beat The Job Market in 2013

Make 2013 your year to return to the work force strong. Find out the 2013 job market trends and which fields are expected to hire more people.

Looking for a job in 2013 may not be the best position to be in, but it is all the more reason to push harder and smarter this time of the year. The good thing is employers are hiring and there are fields posting positive growth with employment up. So, where do you look?

For employers, 2013 brings a promise of hope as the economy rebounds at a slow and steady pace. This brings optimism though it is definitely no reason to let down guards. But in the event there are no major disruptions to hit the economy this year, the prediction for the 2013 job sector is positive. According to the statistics, more employers are keen on hiring this year more than the past years, though companies are still expected to be cautious about their decisions as the global market is still relatively weak.

A recent survey by a job board reveals that 60% of employers have experienced better financial growth last year compared to the previous ones and as a result, 26% of them are more keen on taking on new employees, both full time and permanent; in fact, the statistics in hiring in these areas have risen 3% last year. With the economy performing the same steady growth, this trend will stretch into this coming year and people looking for a job will surely benefit.

However, there are some employers who are still trying to downsize. The same survey reveals an increase in the number of employers, around 9%, considering and preparing for reducing headcount this year. This is an alarming number as it is a growth of 2% from the previous year, and for these employers, the threat of the country inching closer and closer to a fiscal cliff may play a huge part in their decision making in terms of hiring new people in their work force.

In this scenario, it is likely that employers will look to hire through staffing and recruiting companies so that they stay clear of major hiring commitments themselves. For job seekers, this means temporary and contract hiring will increase and as much as 40% of employers polled in the survey claim they are planning to hire this way this 2013.

The good news is once temporary workers perform well in a job, employers are willing to transition them from temporary workers to full time and permanent employees after one year. Naturally, there is no guarantee to this interest and it will be determined by the way the economy continues to move forward this 2013 but for people looking for jobs, the mere interest should inspire them to keep on pursuing their job goals this year, particularly for those in the fields on sales, information technology, customer service, engineering, and production as these industries are atop those preparing for expansion this 2013.

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ACLU Attacks Idaho’s New ‘Ag-Gag’ Law

March 18, 2014  ·  Posted by Andrew Mortazavi

The American Civil Liberties Union of Idaho filed a suit in federal court Monday to strike down Idaho’s new “ag-gag” law. The law, passed last month by the state's Republican-dominated legislature and signed into law by Governor C.L. "Butch" Otter (R), outlaws the capture of photos or videos at farms and slaughterhouses without managers' express permission.

The law also makes it illegal to document the destruction wrought by grazing livestock on federally managed and public lands, taking the law above and beyond similar “ag-gag” laws enacted in six other states.

The ACLU alleges that such laws intentionally violate constitutional free speech rights, while supporters claim that the law is necessary to protect agricultural operators from being “set up” by activists.

According to Reuters:

The Idaho measure came after ABC News' Nightline last year aired footage secretly shot by an animal activist of beatings and other abuses of cows at an Idaho dairy.

Lawmakers who support the law say it is necessary to protect the agricultural industry, which adds billions of dollars to the Idaho economy, from unfair and biased investigations.

But the ACLU, animal rights group PETA, the Center for Food Safety and other environmental and political groups argued in the lawsuit filed in U.S. District Court in Boise on Monday that the law violates free speech rights enshrined in the U.S. constitution.

Undercover investigations in the past decade at U.S. animal production facilities have documented such abuses as workers using steel rods to sexually assault pigs and smashing their heads into concrete floors and stomping and throwing chickens and turkeys like footballs, the groups argued in legal documents.

The Idaho law comes with stiff penalties for activists and reporters, who could face up to a year in prison, a $5,000 fine and restitution equal to twice the value of any losses claimed by the operator if convicted.

Reuters →


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KEMET Gets Clearance from China on Proposed Purchase of a 34% Interest in NEC Tokin

KEMET Corporation (NYSE:KEM) a company that manufacturers tantalum announced today that its subsidiary, KEMET Electronics Corporation, has obtained clearance from China’s Anti-Monopoly Bureau of the Ministry of Commerce for its proposed purchase of a 34% interest in NEC Tokin.

As quoted in the press release:

As previously announced on March 12, 2012, KEC entered into a definitive agreement to acquire this interest for $50 million.  All required governmental approvals to complete the transaction have now been obtained.  The closing of the transaction is scheduled to occur on February 1, 2013, and remains subject to satisfaction or waiver of customary closing conditions.

Click here to read the full KEMET Corporation (NYSE:KEM) press release.

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Understanding QE and What It Means for Your Portfolio

by Lawrence Meyers | January 25, 2013 8:00 am

I recently got to sit down with a couple of CEOs and economists to clarify what quantitative easing is really all about. It turns out I was wrong about a few things. This explanation will help guide you with regard to stocks, explain why bond yields have cratered and how to find other fixed-income investments.

The Demand Side of the Equation

In “normal times,” the U.S. would generally see 1.8% to 2% real productivity growth and about 1% population growth. Add those up, and real GDP growth should be 2.8% to 3% annually. Alas, we’re growing in the 1% t0 2% range.

The reasons go back 20 years, or more. The American consumer and government borrowed trillions against the future’s GDP. Well, all debt has to be paid off at some point, and the piper has come to call.

Americans are now deleveraging, and the process won’t happen overnight. It will take years, maybe even decades. Since the economy grew on borrowed money, it will shrink without it. That would cause a recession, and that’s why the Fed started QE.

The Fed prints money to buy bonds issued by the Treasury. This keeps interest rates low, encouraging businesses to borrow at cheap rates, and thereby helping move the economy along.

But won’t printing all this money cause inflation?

No Inflation

You probably learned in middle school that inflation is defined as “too much money chasing too few goods.” Actually, however, it is “too much money and credit chasing too few goods.”

The reason we haven’t seen much inflation over the past 20 years is that credit was flowing but the money supply was not.

Consumer deleveraging is now choking off some of that credit flow. This permits the Fed to increase the money supply, offsetting that reduced credit flow, without causing inflation.

So Why Isn’t the Economy Recovering?

We now know that, in theory, the Fed will be able to keep the economy afloat without causing inflation. Unfortunately, that’s only half the story.

The other half involves our beloved politicians.

The economy can’t recover because of too much government spending. The nation has a $1.1 trillion deficit, so the government must borrow to meet that deficit at a time when it needs to deleverage instead. However, it must deleverage gradually, at a rate that’s offset by the 1% to 2% GDP growth that we’re seeing.

Yet, the government just keeps borrowing! Total public and private debt is around $55 trillion — that’s 350% of GDP. We’ve seen this outrageous ratio before: in Japan. That country’s public debt as a percentage of GDP went from 70% to 220%, while its consumer deleveraged. How’s that working out for Japan? Does its 20-year economic debacle answer that question?

If America wants a return to economic growth, the government must stop borrowing. If it doesn’t, the market may force it to. That could happen after severe credit rating downgrades, which would push up interest rates. That, in turn, would slow the economy and decrease tax receipts, which creates an even worse deficit. And this just continues.

That’s what it means when you hear people say we’re going to look like Greece in a few years, because that’s what’s happening over there

But until the ratings agencies all get rumbling about credit downgrades, the stock market should be a relatively safe place to selectively invest (more on that shortly).

The Supply Side of the Equation

Could American business help grow GDP? Absolutely! In order for that to happen, businesses need to produce goods and services. Alas, many uncertainties prevent businesses from investing capital.

And wouldn’t you know it, those uncertainties are caused by our beloved politicians. Is anyone seeing a pattern here?

President Obama loves regulations, which cost money to implement. By some estimates, every $100 billion of regulations costs America some 0.7% in GDP growth. So, you’d figure that if Obama wanted the economy to grow, he’d remove regulatory burdens. Instead, he’s adding to them. Go figure.

How about the uncertainty over Obamacare? Businesses have been trimming hours and workers to avoid having to provide insurance by coming in below certain minimum thresholds. That creates more uncertainty, as in, how many people will be added to the unemployment roles? Joblessness results in less earned income, which results in less consumer spending to increase GDP.

Still, from an investment perspective, the stock market isn’t directly impacted.

Investor Guidance

It’s essential to understand, now more than ever, that growth in earnings per share isn’t merely the result of top-line revenue growth. It’s also affected by cost cuts and stock repurchases, which decrease the number of shares outstanding. This lowers the denominator in EPS, lifting the EPS number overall.

So make sure the company you’re buying into isn’t suffering the effects of what I’ve written about, and is masking slack growth using these other methods.

What stocks make sense in this environment? You want consumer staples, like McDonald’s (NYSE:MCD[1]), Altria (NYSE:MO[2]) and Target (NYSE:TGT[3]). You want dividend-paying stocks, like Verizon (NYSE:VZ[4]), Kinder Morgan Energy Partners (NYSE:KMP[5]) and 3M (NYSE:MMM[6]).

You want to be all over preferred stocks, which provide great stability with their bond-like trading behavior. I love Ashford Hospitality Trust (NYSE:AHT[7]) Series D, which is an 8.45% issue. Bank of America (NYSE:BAC[8]) has several offerings yielding 4.5% to 6.5%. Duke Realty (NYSE:DRE[9]) has a few issues in the 6.5% range. Public Storage (NYSE:PSA[10]) has a slew of preferred shares paying 6.5% or more.

Finally, have a look at business development companies[11]. They invest in fast-growing middle-market companies, using mezzanine debt and warrants to augment returns. Prospect Capital (NASDAQ:PSEC[12]) invests in late-stage venture, middle-market and mature companies. It also gets involved in buyouts and recapitalizations. It pays a monthly dividend (11.3% annual rate).

Triangle Capital (NASDAQ:TCAP[13]) focuses more on leveraged and management buyouts, acquisition financing and growth financing. It pays 8% annually and distributes quarterly. BlackRock Kelso (NASDAQ:BKCC[14]) yields about 9.9% and is one of the premier names in private equity. UBS ETRACS Wells Fargo Business Development Company ETN (NASDAQ:BDCS[15]) is a great diversified play and pays about 6.98%.

As of this writing, Lawrence Meyers didn’t own any securities mentioned here.

  1. MCD: http://studio-5.financialcontent.com/investplace/quote?Symbol=MCD
  2. MO: http://studio-5.financialcontent.com/investplace/quote?Symbol=MO
  3. TGT: http://studio-5.financialcontent.com/investplace/quote?Symbol=TGT
  4. VZ: http://studio-5.financialcontent.com/investplace/quote?Symbol=VZ
  5. KMP: http://studio-5.financialcontent.com/investplace/quote?Symbol=KMP
  6. MMM: http://studio-5.financialcontent.com/investplace/quote?Symbol=MMM
  7. AHT: http://studio-5.financialcontent.com/investplace/quote?Symbol=AHT
  8. BAC: http://studio-5.financialcontent.com/investplace/quote?Symbol=BAC
  9. DRE: http://studio-5.financialcontent.com/investplace/quote?Symbol=DRE
  10. PSA: http://studio-5.financialcontent.com/investplace/quote?Symbol=PSA
  11. business development companies: http://investorplace.com/2012/12/6-investing-lessons-from-bdcs/
  12. PSEC: http://studio-5.financialcontent.com/investplace/quote?Symbol=PSEC
  13. TCAP: http://studio-5.financialcontent.com/investplace/quote?Symbol=TCAP
  14. BKCC: http://studio-5.financialcontent.com/investplace/quote?Symbol=BKCC
  15. BDCS: http://studio-5.financialcontent.com/investplace/quote?Symbol=BDCS

Source URL: http://investorplace.com/2013/01/understanding-qe-and-what-it-means-for-your-portfolio/
Short URL: http://invstplc.com/1nylvnd


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Gold Rises on Weak January Jobs Data

by Christopher Freeburn | February 5, 2014 4:37 pm

PreciousMetalsRecap Gold Rises on Weak January Jobs Data[1]Gold climbed modestly in Wednesday trading after a report from ADP (ADP[2]) showed less U.S. job creation in January than economists had expected. The U.S. dollar and stock markets moved lower during the day.

ADP said that private U.S. employers added 175,000 workers last month. That was less than the 227,000 workers ADP said were hired in December. It was also less than the 189,000 new jobs that economists had expected ADP to report for January. On Friday, the Labor Department will issue its closely-watched jobs report for January.

Gold futures for April delivery rose 0.5% to $1,256.90 per ounce on Wednesday, according to CME Group[3]. Gold traded as high as $1,274.50 and as low as $1,251.80. Bullion closed in London at $1,259, according to BullionVault[4].

Silver futures for March delivery jumped 2% to $19.80 per ounce. Wednesday’s high for silver was $20.34, while the low was $19.44.

Metal funds improved on Wednesday.

Mining ETFs were mixed during the day.

Gold stocks sank on Wednesday.

Silver mining shares mostly retreated during the day.

As of this writing, Christopher Freeburn did not hold a position in any of the aforementioned securities. Adrian Ash of BullionVault[24] contributed to this report.

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The skyscraper necropolis of Mumbai

Cemetery space is in short supply in dense metropolitan areas, so designers Yalin Fu & Ihsuan Lin have created plans for the Moshka Tower in Mumbai, India. This interdenominational, greenery-swaddled vertical cemetery encompasses four of Mumbai's major faiths.

From the Council on Tall Buildings and Urban Habitat::

Traditional cemeteries take up space that will never be gained back in the future. The Moksha Tower project takes traditional burial methods from four major religions in Mumbai and translates them into an urban context. The tower frees up a significant amount of ground space for the living and provides within it a place of rest for the departed. The tower seeks to meet the needs of the entire burial process for several cultures within the city and create a temporary place of repose in the sky. It also acts as a symbolic link between heaven and earth. For Muslims, it provides areas for funerals and space for garden burial; for Christians, areas for funerals and burial; for Hindus, facilities for cremation and a river to deposit a portion; for Parsis, a tower of silence is located on the roof of the tower.

You can check out some vertical cemeteries at BLDGBLOG, including the real-life Memorial Necrópole Ecumênica in Santos, Brazil.

[Via Inhabitat]


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Skeptical climate blog shamefully downplays Super Typhoon Haiyan

Before the numbers were even in, the science denialist blog Watts Up With That began downplaying the size, strength, wind speeds, overall effects — and even death toll of Super Typhoon Haiyan — a ferocious storm that may have claimed as many as 10,000 lives.

Above: Super Typhoon Haiyan as seen from space. Credit: NASA/Karen Nyberg.

The WUWT post, authored by guest blogger Paul Homewood and titled "Super Typhoon Haiyan/Yolanda – another overhyped storm that didn't match early reports," has been revised and updated several times since originally appearing this past Saturday. Homewood and meteorologist Anthony Watts got particular excited by a unit conversion error at the Daily Mail confusing kilometers per hour with miles per hour — a rather sad target given the Daily Mail's poor track record on just about everything.

But as ScienceBlog's Grey Laden notes, the WUWT team is trying to pretend this monster storm didn't happen and that it was a run-of-the-mill typhoon:

At the moment, nobody is really saying that Haiyan's strength, size, power, or even existence is specifically the direct result of global warming, although it is of course impossible to remove the effects of global warming from ANY weather event because global warming is part of climate change and guess what … weather arises from the climate. The climate has changed, so ALL of our weather is affected by climate change.

This offensive post is preemptive denial, but it is denial that throws the lives and suffering of millions of people … of which thousands have lost relatives … under the bus. So that Anthony Watts and his guest poster Paul Homewood can … can do what? Feel smart? Take a shot at the reality of climate change? Pretend severe weather does not matter? What? Maybe they don't like people who live in the Philippines.

Haiyan will be measured and remeasured over coming days, but it really is looking like it will be one for the record books. But Watts and Homewood don't care about a big storm this year, or the fact that there have been several big storms in the Pacific, because there were a lot of Pacific typhoons in 1964, before fossil fuels were discovered by humans and thus unlinked to climate change. … ;( … Haiyan will be measured in terms of the death toll and destruction to property and forests, and it will be one of the worst typhoons ever, probably. But Watts and Homewood don't want storms to be important for the simple reason that the best models strongly suggest that there will be more storms … especially in the Pacific, where Haiyan struck, over coming decades because of the changes to climate that humans are carrying out and that Anthony Watts and Paul Homewood deny to be real.

Anthony Watts has since shot back with his post, "An ethical challenge for Greg Laden – put your money where your mouth is." Referring to Laden's post as "angry posturing" coming from a "self-imagined moral high ground," Watts is challenging Laden to raise money for the victims of the disaster. "I waited over 24 hours to see if Mr. Laden had a conscience, and if he would offer his blog to help the people of Philippines or was simply interested in his holier than thou tirade against WUWT," he wrote.

In his defense, Watts is claiming that the post was merely an effort to show how poorly the media was reporting on the storm. As for downplaying the death toll, he's sticking with the last report of the Red Cross number of 1,200, saying "I trust them because their mission has no agenda other than aid."

Skeptical climate blog shamefully downplays Super Typhoon Haiyan

Both parties involved in the online fracas are right to point out that all numbers, from the wind speed through to the death toll, still need to be confirmed. But as of this posting, it appears that Haiyan produced winds gusting up to 194 mph (378 km/hr), making it one of the most powerful storms ever recorded. And by some estimates, at least 10,000 people may have died in Tacloban alone.

Image: Credit: NASA/SSAI, Hal Pierce.


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À mon chevet: Debussy and Wagner

Fake Holloway book cover
À mon chevet is a series of posts featuring a quote from whatever book is on my nightstand at the moment.
In this nothingness lies (though it is more in the nature of a metaphysical speculation than these concrete examples I have just been discussing) the final Tristan connection in Pelléas. The Tristan progression originated as a breath, the breath, as Wagner said, that 'blurs the clarity of the heavens ... grows, condenses, and solidifies, until finally the whole world confronts me in its impenetrable bulk'. Debussy reverses this process; he liquefies, dissolves, and diminishes, until the impenetrable bulk of the Tristan world vanishes into the empty nothingness from which it had been summoned. And Pelléas has its 'nothingness motif' -- a single tone. As a part of every other motif, or merely an intervallic oscillation, it is omnipresent; it permeates the loose-knit texture more thoroughly than the Welt-Atem or Tristan progression does Wagner's essentially symphonic score -- without, however, binding it together. It is in fact the embodiment of the whole disintegratory, anti-matter emptiness which the work, by its means, consists of as well as expresses. The richness of Wagner's score is already implicit in the progression of the Welt-Atem; the Welt-Atem is pregnant with the abundance and profusion of the accomplished work. By contrast the parsimony of means in Debussy's fully achieved work implies the possibility of a reduction to the central minimum, the nothingness of a single tone.

-- Robin Holloway, Debussy and Wagner, p. 135
In summing up his analysis of Wagner's (unacknowledged) influence on Pelléas et Mélisande, Holloway quotes an apt aphorism attributed to Lichtenberg: "To do just the opposite is also a form of imitation and the definitions of imitation ought by rights to include both." Holloway has the goods in tangible score analysis that show passages in Wagner's operas filtered into Debussy's score, but he does not push his case too far, in light of Debussy's later professed anti-Wagnerism. When Holloway knows that he is making a speculative leap, he says so, and it rarely feels like a stretch. The rest of the book, no less interesting, concerns other Debussy works, including Le Martyre de Saint Sébastien and the ballet Jeux.

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1:49 pm
Thu October 23, 2014

Luther College Opera's Puccini Double Featured on Opera in October

Luther College Opera's production of Puccini's "Suor Angelica"
Luther College

Opera in October features a Puccini double header this weekend with Opera at Luther’s productions of Suor Angelica and Gianni Schicchi, airing on Saturday, October 25 at 7:00 p.m. and Sunday, October 26 at 8:00 p.m.

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9:26 pm
Fri December 27, 2013

Met "Tosca" Hits Stride with Radvanovsky

Sondra Radvanovsky as Floria Tosca in the Met's production
Credit Marty Sohl/Metropolitan Opera

Join us at noon for a live broadcast of "Tosca" from the Met. The production was booed when it premiered in 2011, but reworking has turned it into a success - largely because of Sondra Radvanovsky, whose "luminous performance breathed life" into the production, according to the New York Times. It called her Floria Tosca a "multidimensional, fiercely individual portrayal, grounded in her voice [which is] elegant and blooming." It also praised conductor Marco Armiliato for "shaping a dramatically animated and expressive performance."

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Concert Vault for iPad: Awesome Collection of Live Concert Audio and Video

Concert Vault for iPad

Concert Vault for iPad is a new app that offers up a treasure trove of live concert audio and video from a huge range of artists and bands. The App Store description for the app is far from reticent in describing its virtues:

Concert Vault for iPad brings you something that you truly cannot find anywhere else: the world’s greatest collection of exclusive live concert audio and video from the ’50s to the present day, all available for high quality streaming to your iPad.

The good news is that the app mostly lives up to that lofty introduction.

Concert Vault is a free app that offers a 7 day free trial. After that you need to take out a subscription to continue using it. Subscriptions are reasonably priced at $3.99 per month or $39.99 for a year. Current Concert Vault subscribers can just login to use the app. A subscription gives you access to all of Concert Vault’s content on the iPad, iPhone and on the web.

The app includes thousands of concert recordings in audio (320Kps) and video. There’s daily featured content spanning across genres. It supports AirPlay for streaming content to an HDTV via Apple TV.

The App Store description also mentions that the app is ‘built on the Groovebug platform’. I’m not sure what that means, but I’m hoping it’s something to do with the excellent Groovebug app that is one of the selections in our list of the Best iPad Apps of 2012.

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TitleFx for iPad: Another Great Photo Effects App

TitleFx iPad app

TitleFx is a new iPad (and iOS) app that brings excellent titles and text to your photos. It’s from East Coast Pixels, the developers of the stellar PhotoToaster app – which was one of our picks for Best iPad Apps of 2011.

Here’s a slice of the App Store description for TitleFx:

TitleFx allows your pictures to tell a story by adding broadcast quality titles. You can turn any picture into a magazine cover, and then share it with your friends.

Pick from a collection of beautiful fonts and colors and apply stunning effects. The interface allows you to see the result before you select it, with a series of unique live lists.

The possibilities are limitless and the results are stunning.

Create multiple text objects with full control over size and position. If you make a mistake you can undo and redo until you get it right. Compositions are saved to a recent list so you can go back and re-edit at any time. This is a powerful, full featured editing environment.

I had very high hopes for the app as soon as I saw it released, because it’s made by East Coast Pixels. It has not disappointed – hit the break for some of the reasons why …

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Review: Robots for iPad, Hurray Robots!

Robots for iPad

Robots for iPad is a new iPad app that promises to help us ‘Discover the amazing world of robots with this fun and engaging app’. I’m happy to say the app does a great job at delivering on that promise. It offers a fascinating look at how robots have become reality and are already enhancing our lives.

The app is published by the IEEE (Institute of Electrical & Electronic Engineers) and has a very impressive set of features. Here are some of the most notable:

• Meet 126 robots from 19 countries
• View over 500 spectacular photos
• Watch hundreds of videos of robots in action
• Learn how to get started in robotics
• Read detailed specs and articles about each robot
• Listen to audio interviews with leading roboticists
• Keep up to date with daily robot news
• Optimized for Retina display
• Works on any iPad model, including the iPad mini

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Review – Civil War: 1863 iPad Game

Civil War 1863 for iPad

Civil War: 1863 is a turn-based strategy game for the iPad that lets you take command of Union and Confederate forces and engage in some of the epic battles that occurred in 1863 during the American Civil War.

I grew up playing turn-based strategic war games against my younger brother. They were board games in those days and we played tons of them – from ancient battles with Alexander the Great or Caesar’s armies (or their opponents’) to command to many Napoleonic battles and campaigns, World War II games, and lots more. I enjoyed these immensely, despite the fact that my brother ran rings round me and I very rarely emerged victorious when playing against him.

I’ve been looking for good strategy games of this type to play on the iPad for a long while, have tried out a number of them, but had never come across one I found compelling and wanted to spend a lot of time playing. Earlier this month I spotted Civil War:1863 in the App Store and thought it looked a lot like what I was after. I’ve spent many hours playing the game and I’m happy to say I’ve been enjoying it a whole lot.

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Iowa Public Television

Tavis Smiley

Episode #3051

Former Surgeon General Dr. Regina Benjamin and chef and author Jeff Henderson are interviewed. [26 minutes] Closed Captioning

This episode has not aired in the past few months on Iowa Public Television.

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Series Description: Tavis Smiley, the first African American to have his own signature talk show on NPR, hosts a new late-night television talk show - a hybrid of news, issues and entertainment, featuring interviews with newsmakers, politicians, celebrities and real people.

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The Irish Anvil in Playa Blanca, Lanzarote, is the largest Irish bar in the resort, and has so much to offer you. The Irish Anvil originally opened in June 1996, and promptly established itself as the epitome of great atmosphere, all washed down with a great pint of Guinness.

Installed in 2014, The Irish Anvil Bar is equipped with Lanzarote´s most comprehensive and sophisticated HD Satellite TV system. With no less than twelve indoor and one outdoor large format flat screen HD TV screens you won´t miss one minute of the action at The Irish Anvil Bar.

The Irish Anvil Bar in Playa Blanca is well known for its live entertainment, seven days of the week. Starting at 10pm, and running until around midnight, every single night, we have a treat for you.

Our famous kitchen is bustling ready to serve you up your favourites, from a hearty Irish Breakfast, to a sumptuous steak for your evening meal. We also offer a full range of beers and spirits…… and of course…..’The Perfect Pint of Guinness’.

Click on Tabs below to view our Live Sports or live Music schedules

sun30aug13:30Football GAA2 matches > info here13:30
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sat29aug21:30- 23:30Live: Alex & RoddyGreat Music and "Craic"21:30 - 23:30
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Installation Steps

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In most cases, you will not need to reboot your system, but do so if prompted. If you encounter any issues, please contact the Community Network at 541-737-8787.

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69877: The car will not be put in his name until he pays the last installment

I want to buy a car and the price will be paid in installments. The way in which it is sold is that I make a down payment, then I pay installments monthly, and after I pay the last installment, the car will be turned over to my name, knowing that the last installment will be the same as the usual installments .

Praise be to Allaah.

There is nothing wrong with buying by installments, whether you make a down payment or not, subject to the condition that the contract is free of any stipulation of penalties to be paid in the event of delay in paying installments, because such conditions come under the heading of riba which is haraam.

Once the contract is completed, you become the owner of the car, even if you have not paid any installments yet; the car comes into your possession and its price becomes a debt that you owe.

The purpose of registering the car in the purchaser's name is protecting one’s rights; it is not a condition of the transaction being valid. Ownership of the item sold passes to the purchaser by virtue of the contract, whether it is registered in his name or remains in the name of the seller.

It is permissible for the seller to stipulate collateral in order to protect his rights. He can make the car itself collateral, so that the buyer cannot dispose of it by selling it until he has paid off all the installments. The fuqaha' stated that this is permissible.  It says in Kashshaaf al-Qinaa' (3/189): It is valid to stipulate collateral for the price of the item sold. If he says, "I will sell you this on condition that you keep it as collateral for its price," and he says, "I will buy it and give you collateral," the purchase and the pledge are valid. End quote.

Based on that, if the delay in registering the car in your name is in order to protect the seller, lest you sell it before paying off the installments, then this does not affect the validity of the sale, because of what we have stated above about the registration being only for the purpose of protecting rights. But you own this car according to sharee'ah, by virtue of the transaction. If it is collateral, then it is not permissible for you to sell it until you have paid off the pledge or are given permission by the seller.

The Council of Senior Scholars stated that it is permissible for the seller to keep the car in his name for the purpose of protecting his rights, and said: The Council thinks that the two parties to the transaction should do it in the proper manner, which is selling the item and naming it as collateral for its price, and protecting oneself by keeping the contract and ownership papers, and so on. End quote.

It remains for us to point out that there is a similar method to that which we have mentioned, which is leasing or rent-to-own, in which the one who is renting it out retains ownership of the car until the last installment or rental payment is made, but this contract is haraam. The Islamic Fiqh Council and the Council of Senior Scholars have issued statements concerning this. Please see question no. 14304

And Allaah knows best.

Islam Q&A
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One Comment

  1. Raypak 007224F PRV 125 PSI June 24, 2014 5:46 am Reply

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Leave a Reply


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Comments on: How to adjust Lotus Notes Domino web calendar links Sun, 30 Aug 2015 14:39:41 +0000 hourly 1 By: brooklynegg Thu, 02 Dec 2010 15:42:55 +0000 #comment-84750 Another link on a tip for $$viewtemplate. Also, make sure to look in help for documentation on this reserved element.

Use one $$viewTemplate for multiple views

By: brooklynegg Thu, 02 Dec 2010 15:39:57 +0000 #comment-84748 Look up the use of $$ViewTemplate forms. Domino Wiki Link.

This should give you all the control you need.

Not sure if I can use the ITKX link editor control properly, so am pasting the link here as well.


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