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stephenmorgan's Articles in Finance

  • FSBO (For Sale By Owner) Is This The Future For Real Estate?
    The Worlds Financial markets are in a mess whether we choose to admit or not. The Dow Jones Index resembles a white knuckle ride at a fair ground at the moment and in London the FTSE 100 is faring no better. This all arose largely because of the problems arising from the US Sub Prime Lending Market. What is the future for the US real estate market and how can the more efficient selling of homes affect this market place?

    The so called “sub prime credit crunch” that hit the USA earlier this year and as a result, cut a swathe through to the rest of the world's economy almost resulting in the first run on a UK bank over a hundred years threw up many “interesting” phenomena.
  • Overdue Refunds Now Provided by Banks
    In the UK, Banks have been ordered by the financial watchdog, the Financial Services Agency (FSA) to refund Mortgage Exit Fees to clients they have overcharged when they redeemed a Mortgage. This is of major significance to those involved within the areas of Debt Management, Debt Settlement and Bankruptcy in general as these figures could be quite substantial overall.
  • Getting the Estimates Just Right
    There used to be an anecdote doing the rounds in the construction industry about the various types of engineering. The story went along the lines as follows.
  • Property Investment - Does it still Work?
    There’s nothing quite as safe as houses – or so they say, but in this climate of the various stock exchanges going up and down is this totally true? Sure, the news about surging housing prices and rising interest rates is never out of the news.

    Loads of Home and Property programmes swamp our daytime (and our night time) viewing on the TV schedules and where does this all lead us?
  • The Hidden Cost of Bankruptcy
    Bankruptcy is a contentious word for a whole number of reasons. Firstly it relates to a situation whereby a Debtor not being able to satisfy or compound to his Creditors a suitable amount has to turn to the Courts for protection and at the end of the day everyone loses out. Let me repeat that - no one is a winner here.

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