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Wednesday, November 13, 2019

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20 Duckpit Lane
Upper Wraxall, NA Sn14 5ar
Cape Verde
077 5302 3273

Getting in a hurry at the closing table has caused me considerable regret more than once when I wanted to sell my house quickly. And the same thing has happened to many other homeowners over the years. Closing a sales transaction on real estate is a complex legal "dance" of sorts, and I don’t mean just two people dancing, no, it’s not just the buyer and the seller. There is a whole "chorus line" of people and institutions involved in most real estate transactions. Here are a few of them: home inspectors, bankers, mortgage brokers, termite inspectors, real estate brokers, outstanding lien holders, county taxing authorities, contractors and structural engineers. There will be deductions from the funds paid at the time of closing to pay the title company and any attorneys hired to oversee the transaction on behalf of the buyer and seller as well. You might say there are a whole lot of people out there on the dance floor at one time! 90 Leo Kingston and his wife Paulette own 18002sellhomes in Oklahoma City. They have been helping people sell a home fast for cash for over 20 years in the central OKC area. They offer house owners a way to quickly sell a house without the hassles of having to use banks or Realtors.

After more than a week of reports on employment woes in Belfast and Ballymena, Wednesday's headlines bring a more upbeat start to the day. The Belfast Telegraph reports that two bidders have offered "one last chance" for the sale of collapsed Ballymena company Wrightbus. The paper quotes North Antrim DUP MP Ian Paisley, who said he hoped a deal could be concluded by the end of next week. The details of the bidders emerged in a letter sent to councillors ahead of a special meeting of Mid and East Antrim Borough Council on Tuesday night to discuss the collapse of Wrightbus. The paper also carries positive news for Harland and Wolff - the Belfast shipyard has been bought by InfraStrata, a UK-based energy company. The new owners, it says, are focused on the development and commercialisation of advanced high-value energy infrastructure projects across the world. It vindicates everything we believed in from the start.

With their back to the wall, Ford is seeking billions from Congress and six billion for the sale of Volvo. No one is sure that they'll see either event happen, but these are desperate times for Ford. The fortunes of the Ford Motor Company may rest on two events: its pitch this month before Congress seeking billions of dollars in loan money as well as the sale of Volvo, its Swedish automaker. Ford has little control over the former, but much more control over the latter, a sale which could net Ford six billion dollars if the company gets its asking price. Ford purchased Volvo in 1999 from the parent Volvo company when it became apparent to its Swedish owners that the automaker would need the help of a larger company to ensure its survival. Since then, Ford and Volvo have shared several platforms (along with Mazda, another Ford partner), Ford has incorporated many safety features, and Volvo still manages to sell more than 400,000 units globally.

6.5 billion for Volvo in 1999, therefore the selling price is within reason, though some analysts believe that Ford overpaid when they bought the brand. In a depressed market, Volvo may only fetch between two and three billion, but Ford has decided to be aggressive when selling the automaker. After all, the company needs cash and the Volvo brand would be a nice jewel in anyone's crown, whoever that automaker turns out to be. To expedite the sale of Volvo, Ford has retained the services of J.P. Morgan Chase & Co. to advise them. No one has stepped forward with an offer, but BMW is rumored to be interested in purchasing Volvo. In addition, several Chinese automakers could make a pitch for the company or perhaps Hyundai might make an offer to add the Swedish automaker to its portfolio. Right now it is all speculation – Ford has yet to make an official announcement about Volvo and may hold off until after it meets with Congress. The Volvo sale could be a blow to Ford, but with its back to the wall it may be the only choice the automaker has. Though Ford insists that they have enough money to see themselves through until the end of 2009, the company is heavily leveraged, owing tens of billions of dollars to banks. If the Volvo sale doesn't take place and Ford's plea to Congress falls on deaf ears, then bankruptcy could be the only option to help save the beleaguered automaker. A last ditch option, but one that the Blue Oval may be forced to take.

In January of this year, the state of New Hampshire passed a bill, contrary to the objection of the governor, which will allow car title loan companies to charge 25% interest each month. Governor Lynch expressed his concern that these excessive rates would harm family incomes, affect communities, and hurt the economy of the state. Congress established a 36% annual interest charge back in 2006 for loans towards military, which is also the current annual rate. Those who supported the bill made arguments that the car title loans are necessary to give more options to people who need short-term loans. The opponents warned that the loans would trap the consumer into high-interest loans which cannot be repaid. January also proved busy for the state of California which made attempts to regulate car title loans, but failed. The bill targeted the title loan companies which loaned money at interest rates between 72 and 180 percent to those who have poor credit low income and need fast money.

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