In the push for gender equity, turnabout is not fair play Washington Post
After decades of grinding it out in classrooms, working to get into college and expand our universe of career choices beyond teacher, nurse, secretary or well-educated wife, we've apparently done too well.
For the past few years, college admissions offices have been seeing far fewer Y chromosomes, and they've been flummoxed about how to the treat the new male minority.
The U.S. Commission on Civil Rights has launched an investigation to determine whether universities have met this quandary by discriminating against qualified young women and lowering admissions standards for less-qualified male applicants.
All of this all sounds outrageous -- skewing admissions practices to create some kind of artificial, boy-girl-boy-girl hoedown formation on campuses and the idea that women are seen as a majority that needs its leash yanked before we take over.
I mean, if you're nervous, it certainly can seem that way looking at the numbers:
On U.S. college campuses, women are 57 percent of the student body. (Uh-huh. That was the case in my classrooms, too, when I was in school 20 years ago. Then on exam day, the rest of the boys finally showed up, and the class was about even.)
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equity .....?
residential or comercial, are they the same thing???
what will get more equity???
what is the best investment that I can make????
Residential is a house or a condo
Commercial is a , fast food restaurant or retail store like beauty salon or shoe store.
In order to get equity, a commercial purchase can be much more expensive than a home.
Don't get into commercial investing unless you can qualify for at least $1M (depending where you live)
I can't really answer your question, you should talk to a real estate professional in your city. First see if there are buildings you could buy & afford.
You should consult 2 realtors in your area, the top producer in residential real estate, and the top producer in commercial real estate. Ask them to state their case for their product, and buy the one that has the most positive upside.
How do you pull equity out of your home with taking a how equity loan out?
First of all how do you build equity in a home? How do you report the equity to your lender? And lastly how to you pull the equity that you’ve built up out of the home with out taking a home equity loan out? Thank you in advance for any help that you can give me.
To build equity in your home you must either pay down the mortgage or have the market value go up. Your lender will decide if you have equity in your home. They decide how much your home is worth then they deduct how much you owe the difference is the amount of equity that you have.
Lastly, I hate to tell you, their are only three ways to get equity out of a home.
1) Get an equity line of credit.
2) Refinance, and pull some money out.
3) Sell the property.
How does equity work in a startup and how do I cashout on it?
I understand that employees take cuts in pay and in return get generous equity. How does that equity materialize in the future? If one is promised, for example, $20,000 in equity but the company suffers, would the employee see that money in the end?
When you get equity, you are getting a portion of ownership in the company. Equity becomes valuable usually when either the company is purchased by another or it sells stock on the public markets (exchange like NASDAQ) also called "going public" or an IPO (initial public offering). When another company buys your company, your stock will be purchased, typically with either cash or the new company's stock which if a public company, you can sell.
It is difficult to say whether you'll get any money from your stock if the company suffers but the likely answer is "no". Your stock will probably be common stock which puts you last in line to get money in the event of financial troubles. The investors will get theirs first and rightfully so. With equity, you are basically getting a bet on the success of the company. If the company does well, it could make you a lot of money. It is a very good way to incentivise employees to work hard to make the company a success.
How does equity work in a startup company?
I produce videos for a startup company. I get paid after each finished project. Recently, I got offered to some "equity" but the catch is that my regular paycheck will be reduced. I have an idea what equity actually is but not quite sure how it works. I basically get a certain percentage of the company right and hope the company grows?
I guess my main question is what should I ask the company or what do I need to know before I sign the papers. What's a good offer and what's a bad one? Thanks.
Equity is stock. You are right that by getting stock, you are getting a percentage of the company. The key thing is what percentage. They should be willing to tell you how many shares that are outstanding. There are many variables here that you did not talk about (sales of the company, market potential of its products, quality of the management, etc.). A simple approach that could be useful is to consider the quality of the investors. Is the company backed by sophisticated (institutional or Venture Capital) or other professional investors? What stake does management own? Or, it is a Mom and Pop organization? If there is "smart" money involved, you could just trust that they probably know what they are doing. Another factor to consider is the likelihood of liquidity (getting cash for the stock) in the foreseeable future. If the company has great products and is going places, it could be a very good bet.
What is the difference between Common Equity and Stockholders Equity?
I'm having trouble trying to figure out whats the difference between Common Equity and stockholders equity? Are they the same, I just dont want to assume things.
Common equity refers to common stock of a co. Stockholders' Equity refers to all the stock of a co. (like common stock and preferred stock) plus retained earnings less treasury stock (if any).
How much equity am I allowed to keep when selling my house if I file bankruptcy?
I am getting a divorce. The mortgage on my house is in my name only. The title is actually in both names. My soon to be Ex-Husband still lives here, he is refusing to pay the house payment. He wants them to foreclose on me. I want to sell the house and use the equity to pay off some debt. The total equity after selling the house would be about $60,000. We have a total of other assets of $50,000. The total assets we have are $110,000. The total debt owed is $44,000. The equity and debt are supposed to be split 50/50, so 50% of the total equity left would be $33,000. If I file bankruptcy would I be able to keep a portion of the 33,000 to hopefully have for deposits on a new home to rent, or such? My soon to be Ex-Husband would not be filing for bankruptcy. How would all this affect him?
Until your ex-husband is onboard with selling the house - you really can't do anything.
You need to continue paying the mortgage until a divorce court judge orders sale of property and the proceeds to be divided equally between you and your future ex-husband. In the meantime, you could obtain a pendente lite order meaning that your husband has to sign papers to list the house, accept a contract on the house and sell the house to the new owners. He will have to leave when the house is sold.
As for your debts - both of you are equally responsible. You could instruct the settlement company to pay some of the debts -but they are not obligated to do anything other than split your proceeds in half between you and your ex.
You can't really file for bankruptcy until the divorce is finalized - makes life a lot simpler to manage and saves you a lot more in legal fees and the like.
Bankruptcy is when you have more debts than assets to cover them (including equity), which means there would be nothing left. If there were something left then you would not be filing ! get it ?
Also, there are new bankruptcy rules as of last year.
What is a home equity loan and what is the process to applying/being accepted for one?
I paid roughly $90,000 for my home. It was a TLC home and I've fixed it up in the past 9 years dramatically. New roof, new walls, siding, porch, heating system, well etc. My home and property was valued at $275,000 last year. Does equity play a part in this. Am I eligable for an equity loan? I don't want to go into it without fully understanding what it is--I also don't want to go to my banker with stupid questions....Another thing. Im looking to build my own home--hence the loan inquisition.
Let's say you owe around $70K for your house & it now appraises for $275K, you can "cash out" some of your equity.
Equity is the difference between what you owe & what the home is worth or appraised at now.
There are many programs for "cashing out" equity. You could get up to 100% of your equity out. I do not suggest this &your interest rate on your equity loan will be a lot higher.
You could cash out say 80%, based on my #'s above that would total about $164,000.
& you could use this money towards a down payment & for construction costs with the home you're interested in building.
You want to make sure you're using your money with the best programs. Talk to a lender who will show you the pros & cons. Don't use all of your liquid cash to sink into building a home, leverage, leverage, leverage & talk to the lender about a "Construction to Perm" loan. (Construction to finished product)
Some banks and direct lenders require "seasoning" which means you have to own your home for sometimes 12 months before you can use the new value. Therefore I recommend you seek the assistance of a mortgage broker. Brokers work with several different lenders and will have options available to you right now. They can also explain the various types of equity loans available and can offer rates that are the same or lower than local banks. They also have several "no-cost" loans as well.
Since you're looking to build a home, you may not need all your equity out at once. I recommend an equity line of credit where you can borrower and pay for only what you need when you need it. Equity lines can be fixed or variable, have interest-only payments or include principal payments. Again, talk to your local broker to get all the details.
How can you sell partial equity in a residential property?
I co-own a house with one other person (not a spouse). I want to sell the house and move away, but she doesn't. Legally I can't force her to sell, but I've heard I can sell my portion of the equity to someone else so they will become part owner instead. Can this be done? What sorts of people/organizations would make such an investment? How big a discount would I have to give the buyer off of the equity?
Professional answers please. If you have no knowledge about this please do not answer.
The easiest solution, would be if the other person, would simply buy your portion of the equity. If she is unable or unwilling, it is possible to sell your portion to someone else - but finding a buyer depends on a several factors.
Is there a mortgage on the house? One reason an investor may purchase a "portion" of the home is for the right to claim the interest income tax deduction.
Are you in a high appreciating market? An investor may consider buying a share IF the other partial owner agrees in writing to place the home for sale in X number of years or if the appraised price reaches $ABC.
Will renters/boarders be allowed? An investor may consider the property for monthly cash flow.
As for the discount - like everything in real estate it's negotiable. There may be a huge one, or none at all. You have to remember that equity is a floating figure. It has nothing to do with what you already paid or invested in the house. It depends soley on market conditions and what people are willing to pay today.
Assuming you find a buyer, one way to achieve the sale is by establishing a land trust. It will cost about $2- $4k to set up and there are ongoing annual maintance fees. It's negotiable if you or the "buyer" pays them. With a land trust you are not actually selling the property, you are selling your "benefical interest" in the property.
What does that mean? It's a bit complicated to explain in this little box.
Here is one company that does land trusts. Check out their website for details.
http://www.equityholding.org/index.html
Can I pull out the equity in my existing home to purchase another home ?
This is the situation. We've had our house on the market for about 6mths now. We've lowered it put money into it and everything. We really want to move to Altoona, PA and away from NJ where we are. Can I pull out the equity from our house now then rent this out and move to PA? FYI I've only been here 1yr but we have about $40,000 in equity right now but we have an FHA loan does that matter?
reminds me of the clueless public that think they could take out helocs and then buy another house for cash and let the first one foreclose and they get a freee house, does not work that way
What amount of equity do we have to give up for raising money for a startup?
We're a startup with a really good concept/idea that can sell and we are various offers, we are entertaining various offers, some asking for large chunks of equity but guaranteed immediate moderate amounts of cash, the others are willing to give larger for smaller stake sold but take longer? What is the optimal amount to give up for the capital you need?
VC's will typical ask for at least 50-80% of a company. They are trying to gain as much control as they can.
If you're sole goal is to preserve ownership %, then the best route is to try and raise cash via friends and family at first.
Once that is exhausted try for angel capital but really limit the amount of money to what you absolutely need to purchase.
After both of those have been exhausted approach the VC's for more significant investments, but hopefully you'll be farther along in the product development and the risk is lower to the VC because you have more tangible product, and therefore you have more leverage than you would have sans product.
There is no formula that can be applied here, it's really more about managing risk and having leverage when negotiating. Not to mention the strength of the idea and the timing and motivation for VC's to adopt the risk. If this is a hot idea in and up and coming area and you have a solid team behind you then it's easy, but if you're entering a market that is already well defined and is not attractive to the VC then it's harder.
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