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Stallion Printing is a well established, high volume commercial and industrial print company located in Los Angeles California. We specialize in stationery packages, catalogs, data sheets, in-house printed material and promotional literature. Our facility currently houses 12 presses including a Halm Envelope Jet Press with 300,000 2-color envelopes per day capacity. The most recent additions to our press line include a new 4 color Komori, and new 5 Color Heidelberg Perfector. Our total daily production of 4 color sheets now exceeds 750,000. We also have full in-house prepress and graphics capabilities, with all color printing supported by in-house film generation. The latest Kodak and DuPont Digital Color Proofing Systems are used to show you exactly how your jobs will look before they go to press. Any changes can be easily made at this point by our prepress specialists. Fulfillment is never a problem as we have a subsidiary mail house that handles all of our clients’ mailing needs. Whether local or international, mailing is never a problem for Stallion Printing. We also ship for free anywhere in the Los Angeles area.
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Duration : 0:3:37
I AM Printing Solutions is a well established, high volume commercial and industrial print company located in Los Angeles California. We specialize in stationery packages, catalogs, data sheets, in-house printed material and promotional literature. Our facility currently houses 12 presses including a Halm Envelope Jet Press with 300,000 2-color envelopes per day capacity. The most recent additions to our press line include a new 4 color Komori, and new 5 Color Heidelberg Perfector. Our total daily production of 4 color sheets now exceeds 750,000. We also have full in-house prepress and graphics capabilities, with all color printing supported by in-house film generation. The latest Kodak and DuPont Digital Color Proofing Systems are used to show you exactly how your jobs will look before they go to press. Any changes can be easily made at this point by our prepress specialists. Fulfillment is never a problem as we have a subsidiary mail house that handles all of our clients’ mailing needs. Whether local or international, mailing is never a problem for I AM Printing Solutions. We also ship for free anywhere in the Los Angeles area.
I AM Printing Solutions prides itself on not only our printing capabilities, but also on our customer service and solid long-term customer relationships. Our dedicated staff can review your overall printing requirements and work hard to develop a price structure that will result in sizable savings for your office, small business, or large corporation. Some of our current customers include Wells Fargo Bank, Temple-Inland Mortgage Corporation, First Southwestern Title Company, McDonald’s, Stewart Title, ITT General Controls, ITT Credit Union, ASCO Controls, Spears Manufacturing, and many other high profile, high volume companies.
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Duration : 0:3:10
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Duration : 0:0:31
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Duration : 0:2:23
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Dennis, Mac, and Frank go into real estate, while Dee sets out to be a surrogate for a wealthy couple. Charlie gets into it with an attorney over the law.
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Duration : 0:2:18
The Reserve Bank has called on major banks to “stay in the game” and continue lending to creditworthy businesses and other borrowers.
The central bank’s exhortation, delivered with yesterday’s Financial Stability Report, comes a week after business groups said many of their members were effectively being starved of the credit they needed to survive and grow.
RBNZ deputy governor and head of financial stability Grant Spencer had three key messages for the banks yesterday and No 1 was: “Banks should continue to lend to creditworthy borrowers and avoid any excessive tightening of credit conditions.
“This is an issue,” said Spencer when asked if the banks were being too cautious in lending to businesses.
“We have seen a significant slowdown in lending to business and we think most of that is demand driven but there’s also a supply issue. There’s been a tightening of credit constraints and covenants and we’re watching the situation closely to make sure that situation doesn’t get too tight.”
In response, New Zealand’s biggest bank, ANZ National, said it recognised the importance of maintaining the flow of capital into the economy.
“Earlier this year we made a commitment to provide $4 billion in new lending to New Zealand farms and businesses. We are well on track to meet or exceed that target.”
Spencer said the RBNZ was encouraging banks to make sure their actions were consistent with their words: “That they’re staying in the game and continuing to fund the New Zealand economy.”
While the RBNZ yesterday acknowledged “current conditions warrant caution” for lenders, Spencer pointed out the central bank and government had taken a lot of measures to ensure credit continued to grow, including cutting official interest rates, loans to banks using residential mortgage backed securities as collateral and the taxpayer-backed retail and wholesale funding guarantees.
However, the Employers and Manufacturers Association and Auckland Chamber of Commerce last week said their members were reporting difficulty in obtaining credit and at February’s Jobs Summit, RBNZ Governor Alan Bollard warned banks not to underestimate “the amount of corporate anger that’s out there currently with regard to the banking system”.
A burst of new retail debt issues by corporates this year is widely seen as a reaction against tougher credit conditions imposed by banks.
Spencer said the banks had indicated they had already received the RBNZ’s message, but “we don’t always hear the same stories from their customers”.
Spencer also said the RBNZ continued to have concerns about the level of debt in the rural sector in general and the dairy sector in particular.
“There’s potentially a concentration of risk if you see a significant downturn in commodity prices,” he said. “We’ve seen a drop in dairy prices but we’ve also seen a little bit of a bounce. We need to make sure banks have buffers in place to handle a more substantial shock … in today’s world you’re never sure what’s around the corner.”
The RBNZ was in discussions with banks over the level of capital they hold to support agricultural lending.
THREE POINTS
The RBNZ’s three messages for the banks:
* Keep lending to creditworthy borrowers.
* Keep provisioning up and maintain strong capital buffers against any further deterioration in the international markets.
* Seek more longer-term offshore wholesale funding to reduce vulnerability to further shocks.
Duration : 0:3:2
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Part 4 (Excerpt)
FHA financing why you should work with a broker: 4% appreciation over the last 17 years
You mentioned earlier that property values are up 71% long term, even though we had this 50% drop. Youre talking about the average 4% appreciation per year since 1992.
Right, I did some calculations I was working on a book last year and one of these days I may get around to publishing it. Its called Real Estates Future and what we were looking at was a statistical model to be able to pick the top and the bottom of all the real estate markets. I hadnt looked at the thing for about a year until I was working with Michael the other day and I started pulling it out and going lets run the model and see where we are in regards to the market, and one of the things I looked at is the last time we saw the bottom of the market was when I was selling houses for the RTC and that was in 1992, the median home price was $76,000. Median home price now is $130,000. That means from 1992 until now it went up 71%, thats after we just saw a 50% decline. So it is up 4% per year on average, and where else are you going to get a return like that? Even if you put 3.5% down on a house you are getting a heck of a lot more than a 4% return. If you look at the internal rate of return it is significantly greater.
Right and dont buy a house because you are looking at a rate of return. If you are a first time home buyer and you can qualify for this program, if you have been living in an apartment for the last three years and you just want to have a better place for yourself and your family to live, I know right now there are a lot of fabulous houses out there for $130,000. I saw one the other day that was listed at $100,000 that I know was probably at least $250,000 a couple of years ago. Yes, four bedroom-three bath houses, we are currently working on several cases at $150,000 or below, in good parts of Maricopa county.
I ran some numbers before as well just looking at the number of homes that sold in Maricopa County in January and in that month 45% of all the houses that were sold, sold for less than $130,000. And when I had the example earlier about the median family could buy a $280,000 that was 85% of the market. 85% of all the houses that were sold in Maricopa County could be purchased by a family of four with a median income.
And you know with the loan limits the way they are with FHA with 3.5% down you can go all the way up to $358,000 and still only put 3.5% down. Pretty much anyone can get in and I would probably say that 90-95% of all the houses sold were within the FHA loan limit. That means you can still get in with 3.5% down, you dont have to have perfect a credit report, you cant have a lot of bumps on it but it doesnt have to be perfect, you dont have to have a huge FICO score.
Do they even look at FICO scores? Its complicated, the Federal Housing Administration does not have a minimum FICO score requirement, however all of the mortgage banks have overlays, so in other words nobody uses just the FHA guidelines, they have their own parameters on top of the FHA requirements. One of the main reasons why you would want to go to a broker instead of directly to your bank is they may or may not have enough overlays that will work in your favor. As a broker we have all of the major mortgage banks and we know the guidelines, so we can make anyone fit into a house that can get approved.
Right and thats always the nice thing about working with a broker because you have, lets say you have 20 banks that you are signed up with and you are FHA with all of them, so you have 20 different sets of guidelines that you can fit the borrower into. If a home buyer went to a bank and they had to do an appraisal and a credit check and all that and then they denied you, you would have to go to a different bank and they would have to do all that same stuff all over again. When you are working with a broker they do it one time and then shop it to 20 different lenders.
Yes, and I have to point something out more importantly, if you go directly to your bank and you do get declined after you have spent the money on all these different things the process is much more difficult because you have to start all over again and the reason you were declined has to be explained as well and it becomes a much more lengthy process. Where as when working with a broker you dont have to do that. We take the hit for you and we move you into the right lender of your choice…
Duration : 0:6:3