Joe Money 
Introduction There are many loan options available in modern finance, which can be overwhelming. There is one structure that stands out for its simplicity and cash flow appeal: the straight loan. But what is a straight loan, and why do savvy investors and strategic borrowers prefer it? Straight loans, also called interest-only loans or bullet … Read more
Do you feel stuck with your Home Energy Renovation Opportunity (HERO) loan? It’s not just you. Through this government-sponsored program, thousands of homeowners nationwide have made energy-efficient home upgrades, only to later struggle with increased monthly mortgage payments, property tax liens, or obstacles to refinancing. If you’re wondering how to pay off HERO loan without … Read more
What Is a Promissory Note A promissory note is a written promise—a definite sum of money the note’s issuer (borrower) agrees to repay the note holder (you) by a specified future date. It is simultaneously: Common Types of Promissory Notes Type Collateral? Typical Discount Rate Mortgage notes / trust deeds Secured by real property (deed of trust or mortgage) Low to moderate Real estate … Read more
When an unexpected car repair, medical bill, or string of unexpected expenses hits, it’s natural to look for fast cash that lands in your bank account within a single business day. Two products dominate the “cash-from-your-car” space: registration loans and auto title loans. They sound similar, yet the key differences can seriously affect your wallet, … Read more
Many disability applicants worry that a private investigator hired by the Social Security Administration (SSA) will be lurking outside their home, filming every movement. That fear is understandable—your claim file contains intimate details about your health problems, and nobody likes feeling like the subject of an investigation. The truth, however, is more nuanced than late-night … Read more
Understanding the California Escrow Process: A Comprehensive, Step-by-Step Timeline The escrow process is the backbone of every real estate transaction in the State of California. Acting as a neutral third party, the licensed escrow company (sometimes called the escrow holder or escrow agent) safeguards money, documents, and official records until every contractual condition is satisfied. … Read more
Quick Take The Lincoln Benefit Life Annuity is a long-term investment product designed to turn a lump-sum or periodic premium into a future income stream—often for life. It combines insurance guarantees such as a death benefit with market-linked growth potential similar to a mutual fund. Because Lincoln Benefit Life no longer writes new contracts, you’ll … Read more
Navigating college life can be challenging, especially when it comes to transportation. Imagine having the freedom to drive to campus without worrying about bus schedules or relying on others for rides. Some charities and organizations provide free cars to students in need. This can be a game-changer for those who struggle to balance academics with … Read more
If you’re new to the stock market, there’s a lot of jargon to learn. HOD is one acronym you’ll often see used. It refers to the highest price that a stock has reached during the trading day. Understanding HOD provides valuable information for both new and experienced traders. HOD can also be used in technical … Read more
When considering a move to either Nevada or California, understanding the tax implications is crucial. California is known for its high state income tax rate, which can be as high as 12.3%, and an additional 1% surcharge for individuals earning over $1 million. On the other hand, Nevada doesn’t have a state income tax, making … Read more
