jonathanraleigh

jonathanraleigh last signed in Nov 20 2009 and has been on Bukisa since Sep 15, 2009.

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Closed-end vs. open-end loans

Published October 27, 2009 /

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Here are pro’s and con’s of both open-end and closed-end loans. First off let’s discuss closed-end loans. A closed-end loan is a loan for a specific purpose and for a fixed amount that is established at the beginning of the transaction, to repaid in one or more regular payments over a

Four Types of Collateral

by jonathanraleigh | in Business & Finance > General

A loan is either secured or unsecured. There are four types of collateral that you can use to secure a loan if it is needed. Below are examples of actual collateral along with a graph showing how the collateral value acts throughout the life of the loan.
The 5 C's of Credit

by jonathanraleigh | in Business & Finance > Personal Finance

When lenders use the judgmental decision making process they use their knowledge and experience to evaluate both financial and non-financial variables and determine the consumer's creditworthiness. In doing so, lenders follow the principles of the "Five C's of Credit": character, capacity, capital, collateral, and conditions.
25 Largest banks in the United States (by total deposits)

by jonathanraleigh | in Business & Finance > General

Here is a list of the 25 largest banks in the United States ranked by total deposits. Dollar amounts in thousands as of June 30, 2009
What really happened to Enron?

by jonathanraleigh | in Business & Finance > General

Everyone knows who Enron is, but do you know the background that led to the collapse?
Why do people with good credit scores get turned down for loans?

by jonathanraleigh | in Business & Finance > General

Q: Why do people with good credit scores get turned down for loans? A: Banks are having cash flow problems
Factors of a Credit Score

by jonathanraleigh | in Business & Finance > Personal Finance

A high credit score isn't obtained overnight. It takes years to build a great credit score. There are 5 items that are factored in when coming up with your FICO score with each having a different weight. Follow these 5 pieces of advice to get well on your way to building a higher credit score.
Product life cycle even applies to bank products

by jonathanraleigh | in Business & Finance > General

The product life cycle doesn't only apply to tangible products you buy at Wal-Mart or Sears. It applies to services offered by banks and other companies. Every product or service has a life cycle. Below I'll explain how it applies to banks.
The Value of Dividend Growth

by jonathanraleigh | in Business & Finance > Personal Finance

Investing in dividend paying companies have been looked down upon as boring to many investors. Many investors want more action trying to time the markets and jumping in and out of positions. Over the long haul to get for dividends to replace your income the way to go is investing for dividends early.
Can you get a high return with social lending websites?

by jonathanraleigh | in Business & Finance > Personal Finance

There are several steps you can take to boost your return when jumping into the social lending arena. With a little searching you can find the gems on the sites and also the red flags to steer away from.