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Ask yourself: What services can I provide to a seller in return for a down payment If you run a travel agency, for example, you might offer the sellers a trip somewhere, at a discount because you ll refund to them the commission you ve earned If you re handy, you can offer to repair whatever is wrong with their house f ix the plumbing, replace the kitchen cabinets, paint, whatever They can then raise the price of the house and lower your down payment by an amount equal to the labor you performed, plus the cost of any materials This strategy, as mentioned, will work when the seller doesn t need cash immediately and is willing to give the buyer a mortgage Traditional lenders would be skeptical of granting you a mortgage for a sweat-equity down payment But there s nothing inappropriate about this arrangement.

The lawyer, the secretary, and the broker could have performed their services for other people, and used the money they received for the down payment But by dealing directly with the seller, they saved time Consult with your accountant about the tax problems created by barter or service exchange situations The value of the services rendered in exchange for a break on the price of a house may be taxable TRADE SOMETHING ELSE If the sellers don t need cash, what they want, above all, is to know that their house has been sold For the most part, you can forget about the possibility that the sellers will accept something else you own a car, truck, a motorcycle, a recreational vehicle, a coin collection, a parcel of land out in the boondocks as part of a down payment.

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Sell whatever you were thinking of trading you should get a better price that way and put the proceeds toward the down payment Yet sometimes you can successfully trade something for a down payment..

pulse for restoration of a river- oodplain ecosystem. In this chapter we describe how geomorphic features of the Kissimmee River basin in uenced historical ood pulse characteristics and how hydrogeomorphic linkages will be re-created in the restored system. We also predict how restored ood pulse attributes will drive expected ecological responses.

In addition, this study shows that there are significant ramifications as this cost rises, particularly at public companies. Says PwC: We have modeled the potential impact of a change in the cash tax rate on shareholder value for three actual companies a U.K. retailer and a U.S. and a European consumer company. Our model shows [that] a 1% reduction in the cash tax rate [yields] a 1.4% to 2.3% increase in shareholder value. To put this in perspective, these companies would need to increase sales by 12% to 15% to achieve the same increase in shareholder value. Peek behind the Curtain It should be emphasized that there is no single right tax rate for any industry or company. Indeed, the most significant factor driving a company s tax rate is the statutory rate for corporations in the localities where it operates. Nonetheless, the

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sensitive products should consider which national industry types might be more likely than others to enjoy special financial treatment if worst-case scenarios were to surface For that matter, since state and local governments also are in a position to offer financial assistance to industries, they should be considered too And in certain situations, as with emerging market economies, sometimes extranational (perhaps even supranational) bodies might become involved In recognition of different cultural perceptions of what is or is not a key industry (for our purposes, an industry deemed worthy of saving), these cultural considerations would have to factor into our thinking about embedded calls as we look across countries And just as we might evoke the notion of a credit call option embedded in certain bonds and equities of various companies, a call option might be said to exist in a country s currency.

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The central idea here is that certain countries in the world have economic and/or political ties to a major economic and/or political power, and thus enjoy particular amenities when/if any stress emerges Such an economic/political relationship might be explicit, as between the west coast of Africa and France, where the exchange rate between the CFA (Communaut Financi re Africaine) and the French franc is fixed and as such symbolizes the strong ties between western Africa and France, or less implicit though nonetheless real, as when the United States demonstrated its support when Mexico experienced economic and currency problems in 1994 1995 These embedded calls have a price, and someone is paying for them.

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