Richard Geller CEO and managing director of Financial Success Institute

Fairfax, VA (PRWEB) January 18, 2012

Financial Success Institute today announced it will provide information and other resources subscribers need to structure and set up a self directed IRA LLC. The basic structure is to open a self directed IRA and then have the IRA create a LLC that the IRA then invests all or part of the IRA money in. There are several benefits self directed IRA LLC owners gain this way.

Richard Geller, CEO and managing director of FinancialSuccessInstitute.org, stated today, “There are many ways to structure a self directed IRA. For low risk transactions, just having a custodian overseeing an IRA account is enough. However, when investments become more complex or when more risk is involved, creating a self directed IRA LLC is often the best answer. For instance, owning a 50-unit apartment building is like running a small business. There is going to be an onsite manager, a maintenance person, and an accountant. There’s no reason to pay a custodian fee every time they cut a check to pay salaries and expenses. Instead, the self directed IRA opens a limited liability company (LLC) which in turn opens a checking account allowing the self directed IRA LLC owner to issue checks and collect rent. Alternatively, the owner can assign the responsibility to the onsite manager. The point being, unnecessary custodian fees don’t have to be paid when a self directed IRA LLC is used.”

Geller adds, “That’s only one of many reasons our subscribers need critical information about how to structure a self directed IRA LLC. Many of our subscribers have become wealthy through alternative investing. Now it’s time they protect that wealth with a self directed IRA LLC. Asset protection is another hallmark of the self directed IRA LLC. Let’s say the self directed IRA LLC owner has the 50-unit apartment building plus a few other commercial properties. He or she will want to set up separate self directed IRA LLC accounts for each property. That way any lawsuit or liability from one property is limited to the self directed IRA LLC for that single property. If all the properties were owned by a single IRA or one self directed IRA LLC, then all of the properties could be vulnerable to an issue arising from any other property.”

Geller continues, “Another reason a self directed IRA LLC is useful is when multiple investors want to combine funds to make a purchase none of them can or want to make alone. The self directed IRA LLC provides the structure and policies that the members agree will manage their jointly owned assets.”

Geller emphasizes, “Here is a short article explaining the consequences that can result when the rules aren’t followed for the Self Directed IRA LLC.

Geller concludes, “As FinancialSuccessInstitute.org subscribers avail themselves to the new self directed IRA LLC resources, the Institute will be vigilant about making sure our subscribers fully understand everything they need to about the self directed IRA LLC. When subscribers need an expert to closely examine their individual self directed IRA LLC needs, the institute will put them in contact with the best self directed IRA LLC experts in the business.”

About FinancialSuccessInstitute.org. The Institute is devoted to educating readers and subscribes about investing alternatives and safeguarding wealth once acquired. Information regarding the Self Directed IRA LLC is only a small sample of resources available to subscribers. Besides details about the Self Directed IRA LLC, other information readers can access includes the self directed 401K, debt settlement, legally minimizing taxes, tax lien investing, and precious metal investing.

Disclaimer: Information here and at FinancialSuccessInstitute.org is not legal or professional advice regarding the Self Directed IRA LLC or any other retirement account activity. It’s intended only as general information sharing. Seek professional assistance regarding your specific circumstances and applicable laws to assure you understand the Self Directed IRA LLC or before taking any other retirement account action.

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How To Settle Debts Yourself

(PRWEB) January 31, 2012

Sandee Ferman, author of How To Settle Debts Yourself, announced today that a Kindle version of the book is now available for immediate download. Ferman’s book is comprehensive, yet easy to read (and use!). And, as Sandee states in the book’s introduction, “I don’t throw rearward any secrets. You can do it! This book will demonstrate you how.”

Debt consolidation is not as easygoing as it was only a year or two ago, and consumers are looking for an alternative to bankruptcy. Ferman asks: “Why subsidize for a Debt Relief Service when you can “do it yourself” – often with best results?” Combining her undergoing doing Debt Negotiations, her experience as an educator, and her desire to help families become debt-release, Sandee Ferman has crafted a fined that satisfies a strong need in America today.

Sandee points out that, “Many consumers have been affected by unexpected changes in their financial situation. They now find it difficult (or impossible!) to continue to make high credit card payments, especially when most of that goes to interest charges. They’re seeking a solution!”

“How to Settle Debts Yourself” contains useful information about debt consolidation, debt settlement, debt management, bankruptcy and even basic budgeting. An entire section describes conversations with creditors, and as a bonus the book contains sample letters for contacting and negotiatng debts directly with creditors.

A paperback version of How to Settle Debts Yourself can be purchased through Barnes and Noble, Amazon.com, and other select bookstores nationwide, or buy direct from http://www.howtosettledebtsyourself.com.

Debt Free Tips are available on http://www.howtosettledebtsyourself.com. Sign up for a free subscribe and receive regular updates.

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Security America Mortgage, Inc. Value All American Veteran Military War Heroes

Houston, Austin, San Antonio, Dallas, TX (PRWEB) January 20, 2012

As of January 1, 2012, the Department of Veteran Affairs changed a few of their standards for how calculations can be made to VA Loans by lenders, which are the methods used to calculate the VA Loan maximum amounts/minimum amounts. But what will these changes really mean for veterans and active duty military members who are ready to buy a home using a VA Loan in Texas cities like Austin, Dallas, Houston, and San Antonio? Veterans buying a home will need to re-learn what to expect (and how much they can receive) from their VA Home Loan.

With a proactive and supporting role, Security America Mortgage, Inc. recently announced the 2012 calculation changes to all of their connected military members in Texans as well as launching new location websites that support the need to spread the word to all military service members about how the VA Purchase in Texas will be affected.

The VA Home Loan Experts take an unique approach to showing how much better VA Loan amounts will be in the year going forward by reminding military members how easy buying a home can be with simplified examples of the VA Loan Process and VA Refinance. The good news is that the loan amounts are funded by lenders, like Security America Mortgage, Inc., and VA Loan amounts are all calculated by the mortgage company – not the VA. The VA only insures the VA guaranty loan up to a certain amount – which is kind of like a “promise” to the lender to pay a home loan for a veteran if they ever default on a loan for any reason.

For expert mortgage companies like Security America Mortgage, Inc., who specialize in VA Loan and Real Estate services for Texas home buyers, they can still offer VA loans that provide the lowest rates possible in 2012.

Since the 2012 VA Loan Calculations do not alter the great VA benefits, VA Loans can still be obtained by eligible members in order to:

1.     Purchase or build a new home
2.     Purchase a residential condominium unit
3.     Purchase a residential cooperative housing unit
4.     Repair, alter, or improve a residence owned by the veteran and occupied as a home
5.     Refinance an existing VA or conventional home loan
6.     Buy a manufactured home and/or lot
7.    Install a solar heating or cooling system or other energy-efficient improvements

The 2012 calculations also make it easier for VA Loan Specialists at Security America Mortgage, Inc. to pre-approve VA Refinance Loans for military members buying a home in Texas cities like Austin, Dallas, and San Antonio. In fact, there are actually the three different VA Refinance options available for military individuals who want to save money by lowering monthly mortgage payments significantly in Texas. These VA Refinance Loan options are as follows:

VA Loan Refinance Option #1 – VA Streamline Refinance – Interest Rate Reduction Loan (IRRL):
VA streamline refinancing loan can be used when you already have a VA home loan financed with your current home. The only reason you would choose to refinance would be to achieve a lower interest rate using a “VA Interest Rate Reduction Loan (IRRL).” The VA IRRL enables lower interest rates on a current VA home loan and it can be achieved with no out-of-pocket closing costs to the homeowner – which is great!

VA Loan Refinance Option #2 – “Cash-Out” or Debt Consolidation Refinance:
If there is equity in the current VA loan financed with the home needing to be refinanced, the VA benefits give eligible veterans the option to refinance the VA home lent currently financed on the home – and then to receive a “liquidate retired” payment that is up to 90% of the home’s equity value. The money left o’er from the home’s appraised and calculated value can then be used for anything like; Paying off credit card debts, remodelling home improvements, or to save money for retirement.

VA Loan Refinance Option #3 – Conventional to VA Refinance Loan:
The Conventional to VA Refinance option requires a funding fee, which the government charges to insure a VA Home Loan with the lender. The fee is 2.2% for veterans who are first-time users for this type of loan. The good thing about the Funding Fee is that it can be financed into the cost of the loan.

For all states in the U.S. (except a few with different economies entirely) the 2012 VA loan limit is $ 417,000. There are several more reasons you can get more money on a home loan because VA does not actually provide the VA loan to the home buyer, the lender (mortgage company) does. This is why companies like Security America Mortgage, Inc. who support low VA loan rates for veterans, along with the new 2012 VA Loan calculations will breeze through the changes that will continue to help give the American Heroes the ultimate American Dream of owning a home. The first step to get there is to contact the best mortgage lender to help you each step of the way. The rest is history in the making!

Contact VA Loan Specialists in Austin at Security America Mortgage, Inc. to pre-approve YOUR VA Home Loan!

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Jersey City, NJ (PRWEB) January 03, 2012

The Federal Farm Credit Banks Funding Corporation (http://www.farmcredit-ffcb.com) Board of Directors announced that Tracey McCabe will replace Jamie B. Stewart as president and chief executive officer of the Federal Farm Credit Banks Funding Corporation. As established through the organization’s succession plan, Jamie B. Stewart will retire on March 5, 2012. The Federal Farm Credit Banks Funding Corporation is part of the Farm Credit System (http://www.farmcredit.com) and is responsible for issuing and marketing Farm Credit Consolidated Systemwide Debt Securities, managing investor relations and consolidating and reporting the financial results for the Farm Credit System.

McCabe was previously a Participating Managing Director with Goldman, Sachs & Co., most recently responsible for the Investment Banking Division’s equity derivatives and convertible origination business and their municipal capital markets business. She also has served as Division Head in Fixed Income, Currency and Commodities for Non-Japan Asia.

“The Funding Corporation’s Board reasoned many extraordinary candidates during the search for Jamie’s replacement,” said Less Guthrie, the Federal Farm Credit Banks Funding Corporation board chair. “Tracey brings more than 25 years of experience in the financial markets and has earned a reputation as a trusted and respected leader. Equally important, she shares our appreciation for agriculture and the encouraging rural infrastructure and understands the importance of a cooperative lending system focused exclusively on rural America. We are confident that Tracey will lead the Federal Farm Credit Banks Funding Corporation as it builds on its reputation as a leading participant in the capital markets.”

The Farm Credit System has consistently demonstrated strong profitability, about recently reporting assets of nearly $ 228 billion and net income of nearly $ 3 billion for the nine months ending September 30, 2011.

“We are grateful to Jamie for his leadership during the past eight years, which was particularly valuable during this time of unprecedented market turmoil. Under Jamie’s direction, the Funding Corporation and the Farm Credit System maintained a strong reputation as a dependable provider of financial services and uninterrupted market access to fulfill our mission of providing financing for U.S. agriculture and rural America,” continued Guthrie.

About the Farm Credit System
For 95 years, Farm Credit has been a national provider of attributed and related services to rural America done a cooperative network of customer-owned lending institutions and specialized served organizations. Created by Congress in 1916, the Farm Credit System provides more than $ 170 billion in loans and leases to farmers, ranchers, rural homeowners, aquatic producers, timber harvesters, agribusinesses, and agrarian and rural utility cooperatives. Unlike commercial banks, the banks and associations are cooperatively owned by their customers, are not authorized to accept deposits, and they principally obtain their funds through the issuance of Consolidated Systemwide Debt Securities. For more information about the Farm Credit System, please visit http://www.farmcredit.com.

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Plymouth Meeting, PA (PRWEB) December 01, 2011

Avenue 365 Lender Services has announced Shegun Onakomaiya as its new Vice President of Business Development for its Default Services Division. Avenue’s Default Services Group has been growing exponentially since its inception earlier this year. Onakomaiya’s role will be to expand the client base and find additional ways in which Avenue can serve its existing clients.

Onakomaiya spent 8 years at Citigroup Global Markets, Inc., most recently as a transaction manager in the acquisition and securitization desk. As such he has deep and firsthand experience from the customers’ perspective. He has interacted with dozens of asset managers, hedge funds, investors, and servicers, and plans to bring those contacts and solid relationships to his role at Avenue.

“Our Default Services Group has grown by almost 100% every month since inception. I believe that Shegun’s experience, great reputation in the default space, and extensive reach will assist us in continuing that growth. Our team brings unparalleled customer service, true knowledge of collateral and title issues, and a commitment to partnering with our clients for smoother transactions. Shegun will take that message to the street and we believe the result will be phenomenal for us and our clients,” said Ryan Peterson, President and CEO of Avenue 365.

Avenue 365 Lender Services is a customer-focused, technology-inspired national title insurance and settlement services provider with an unwavering commitment to provide every consumer, originator, and lender with an unparalleled experience with every loan closing. They conduct business in all 50 states for both Origination Services and Default Services. Their customers include national mortgage banks, lenders, retail mortgage brokers, asset managers, investment funds, REO managers, and servicers. To learn more visit http://www.avenue365.com.

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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