Nearly all Churches necessitate the need of a commercial real estate financing. The financial sources for real and substantial estate includes: Regional banks, Private investors, Insurance companies, Saving and Loan institutions and Mortgage banking firms. First let’s touch on the obstacles that occur during the process of acquiring the church mortgage loans & church financing.
The Major Church Financing Difficulties:
(1) Church properties are unique and so, for this reason Lenders have a great apprehension regarding this matter because if the loans are not paid within a stipulated time, Lenders will be accounted for it. They have to assume ownership of the property. Owing to unique property features, it is not going to be easy to come across a new owner.
(2) For getting the hold of church loans, Lenders often entail the need of “personal guarantors” especially on account of prior observation with reference to the complexities that are involved in selling the church property again.
(3) When the church financing needs are attained, there are many objectionable terms that get exist. Such as: Minute amount of loans, low loan-to-value (LTV) of 50% to 60%, short-period time of loans and rates of high interest. By this, churches get many possibilities to face the countless financial difficulties.
(4) More than Purchasing and/or Refinancing, Church Financing, Church Construction Loans, Church Renovation and Land acquisition loans are considered as more intricate to deal with. Therefore, needed repairs are delayed for an indefinite period and new churches take lots of years to become a reality.
The Practical Solutions for the Problems which have been Issued above are:
(1) High LTV: High LTV of 75% to 85% would generate a realistic amount of about 15% to 25% that can be utilized for the purpose of down payment or non-financed portion in refinancing.(2) Long-term loans: To make the church financing more successful, rather than short-term, church financing should be of a long term, i.e. up to at least time period of 30 years.
(3) Non-Recourse Loans: Being reluctant towards individual guarantors fetches a non-traditional church lender. And than through this approach, church lending will no more rely on individual guarantors for the church financing.(4) Large sum of Loan: Ability to accommodate large church loan needs, at least of $500,000. This move would than persuade churches to finish their most business financing in one stage rather than by going through many stages.
(5) Low interest rates: Churches are being charged with the sky-scraping interest rates than it is actually required. Church financing payments can be phenomenally reduced if the payments are restricted to prime plus 1% or less than that. As a result, long-term church loan as well as decrease in overall payment will improve the church cash flow considerably.
For more detail log on to www.church-financing.com. Church Financing is a church loan division of Griffin Capital Funding offers church financing and loans with no personal guarantees, favorable rates and good terms.
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Help answer the question about Finance
Where to find free start-up finance spreadsheet to show potential investor eg 3yr revenue projection, etc?
I co-founded a start-up. Business plan is in the work. I still need to work on the financial section. I know I should have a CFO work on it. But I don't have $$ to pay/hire a CFO. So I get to wear the finance hat too among other roles. Do you know of free finance spreadsheet templates I could download to use? Need to finish biz plan to show potential investors. Can't show current biz plan as is without figures. Biz plan doesn't mean anything to investors without 3 year financial planning such as revenue projection, dev't cost projection, marketing budget projection, potential # of people for hire, other related finance figures of interest to potential investor. Tks for your help in advance!
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at 0:28 it is written you can..but it shoul be:
At a certain point you CAN’T diversify your portfolio’s risk away.
haha..
2:30 “to calculate beta you need this big computer..”
haha
beta= ratio of st. dev on your stock under consideration to st dev of major index (proxy for mkt) times coeff. corr between rates of return on your stock relative to rates of retrun on your market proxy say: S&P 500 , or better NYSE (2000 stocks)
anyway
or just Cov bet stok and mrk, diveded by variance of mkt
simple as that .. no computers no nothing, hahaha
though it’s a cool video
really funny one
thank you
r.
Two questions. First, why would anyone own this company? Having looked at the fundamentals, I am not sure it will survive as a going concern.
Second, beta charts will never occur. Beta uses the partial derivative, estimated by regression, but cannot actually know the partial. As a partial, it also strongly fails as an estimator. Since regression is the basis of beta and the assumptions of the regression are strongly violated, the measure itself has no meaning.
Beta is going to disappear from finance.
I too suddenly lost the Yahoo Beta chart capability. A search led me to the following page that gave me beta charts. Go to this page and enter your stock symbol to get beta charts. You'll will subsequently got beta charts for other stocks. Please try:
http://ca.finance.yahoo.com/charts#chart1:symbol=^dji;range=1y;indicator=volume+macd;charttype=line;crosshair=on;logscale=on;source=undefined
nice
very simple but effective
Thanks
If i remember correctly, the Beta coefficient measures correlation. Thus, you can use it to discuss how market factors affect the stock price of your company. If the market is volatile and the company's movement is highly correlated, the company must implement actions that could hedge or protect against these fluctuations.
Beta
The measure of a fund's or a stock's risk in relation to the market or to an alternative benchmark. A beta of 1.5 means that a stock's excess return is expected to move 1.5 times the market excess returns. E.g., if market excess return is 10%, then we expect, on average, the stock return to be 15%. Beta is referred to as an index of the systematic risk due to general market conditions that cannot be diversified away.
Beta equation (security)
The market beta of a security is determined as follows: Regress excess returns of stock y on excess returns of the market. The slope coefficient is beta. Define n as number of observation numbers. Beta =
[(n) (sum of [xy]) ]-[ (sum of x) (sum of y)]/
[(n) (sum of [xx]) ]-[ (sum of x) (sum of x)]
where: n = # of observations (usually 36 to 60 months)
x = rate of return for the S&P 500 index
y = rate of return for the security
From:
The short answer is that you can't – There is no working mechanism in place to allow this.
I figured out a way around this — I get the chart set with all of the charting options I want, then I bookmark it (or add to favorites). Then I use my bookmark to enter the charts rather than the Yahoo provided links. — Not an elegant solution, but if you make a lot of changes to the default chart, it sure beats doing all the chart set up repeatedly.