By Ted Benna, Brenda Watson Newmann
Get the main from your 401(k) in any economy
Filled with pattern 401(k) portfolios for each level of life
Invest your 401(k) funds correctly and utilize your retirement
Want to understand what sort of funding combine you must make your retirement cash develop? Don't understand what to do with a 401(k) account out of your final activity? nervous that your company's 401(k) plan doesn't lower it? chill out! this easy, plain-English advisor indicates you ways to regulate your debts, reduce your dangers, and maximize your returns.
The Dummies Way
* motives in simple English
* "Get in, get out" information
* Icons and different navigational aids
* Tear-out cheat sheet
* most sensible ten lists
* a splash of humor and enjoyable
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16635$ $CH2 10-04-07 14:32:54 PS PAGE 31 32 T H E R E A L E S TAT E I N V E S T O R ’ S G U I D E T O F I N A N C I N G is a condo that does not meet one or more of Fannie Mae or Freddie Mac’s condo requirements. A warrantable condo is one where: All phases have been completed. The common areas are 100 percent complete. Ownership has changed hands from the developer to the Homeowners’ Association. No one individual owns more than 10 percent of the project. The condos are occupied primarily by the owners.
Why would no one lend on these houses? They were weird. They were four-bedroom, four-bath houses (that’s different already), and they also had a unique construction: modular. Okay, they weren’t weird in the literal sense; they looked like any other house, only nicer because they were brand new. There simply were no other houses in the area that would be considered similar to these units. ’’ There were absolutely zero four-bedroom, four-bath houses with one central living area built entirely using modular construction.
21 ................. 16635$ $CH2 10-04-07 14:32:50 PS PAGE 21 22 T H E R E A L E S TAT E I N V E S T O R ’ S G U I D E T O F I N A N C I N G Raw Land There are two types of real estate: improved and unimproved. Raw land is, of course, unimproved. This means that no structure has been built on the land to ‘‘improve’’ it. (Some could argue with this term, saying that some land needs to stay pristine, and I completely agree with them. ) For purposes of real estate investment, however, this type of property is typically bought to buy and hold as is, to build a new home on the property, or to subdivide the property into individual lots and develop it with brand-new houses.
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