Robert R. Rowley PS

Attorney at Law


Category: Finance

Environmentally friendly features may only generate modest gains when it is time to sell your home

Environmentally friendly features may only generate modest gains when it is time to sell your home

Environmentally friendly features may only generate modest gains when it is time to sell your home When it comes to buying real estate, are people more interested in being “green” or in saving green? A recent study in the Appraisal Journal, a trade-association publication, suggests many house hunters could be more concerned with the latter. […]

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Cosigning Student Loans Can Be Risky – Total Return – WSJ

Cosigning Student Loans Can Be Risky – Total Return – WSJ

The trend of cosigning loans—in which parents or other adult borrowers sign onto the loan along with students to help them get approved or to get a lower interest rate­—came under fire in a report released Thursday by the Consumer Financial Protection Bureau. One issue: Cosigners could find it harder to get access to other […]

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The New Math of Student Loans – WSJ

The New Math of Student Loans – WSJ

Over the next few weeks, hundreds of thousands of students and their parents will apply for student loans for the coming academic year. Many students will sign up for federal loans, where they will find the best deals. But for a certain group of applicants—undergraduate students with creditworthy parents and graduate students with high credit […]

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Home-Equity Lines of Credit See Jump in Delinquencies

Home-Equity Lines of Credit See Jump in Delinquencies

Another post-financial crisis hangover looms for banks as principal comes due on lines of credit extended during the property boom. Delinquencies have risen as homeowners face sharply higher monthly payments. Source: Home-Equity Lines of Credit See Jump in Delinquencies

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Small Business By the Numbers: Infographic

Small Business By the Numbers: Infographic

The number of small businesses in the U.S. continues to grow, with more than a third started and owned by women. These small companies cut across all industries and sectors, and in fact, have been major job creators over the last decade. These are just a few of the highlights from a snapshot of the […]

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Are Index-Fund Investors Smarter? (Wall St Journal – Mar 26, 2015)

Are Index-Fund Investors Smarter? (Wall St Journal – Mar 26, 2015)

Index funds don’t just outperform most actively managed mutual funds. They also make more money for investors. And, no, I didn’t just repeat myself. At issue here is the distinction between a fund’s total return and its dollar-weighted return. The total return is the standard performance number you see on fund-company websites and in fund […]

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3 Ways To Value A Business For Sale (National Federation of Small Businesses)

3 Ways To Value A Business For Sale (National Federation of Small Businesses)

Entrepreneurs ready to sell must decide whether an asset, income or market-valuation approach makes the most sense for their business. Although there are all sorts of reasons you might need to estimate the value of your small business—such as a divorce or a dispute over estate or gift taxation—the most typical one is when you’re […]

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Entrepreneurship can be terrifying.

Entrepreneurship can be terrifying.

But new study finds most biz owners are actually more prepared than they think: http://www.entrepreneur.com/article/244200

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7 Things Millionaires Do Differently

7 Things Millionaires Do Differently

7 things millionaires do differently @JohnWarrillow http://trib.al/ZqRB3J1 The Millionaire Next Door made an impression on me when I first picked it up in the late 1990s. I was running a business that aimed to help very large companies market to small-business owners. The book’s author, Thomas J. Stanley, was also advising big companies (in his case, on […]

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Using Self-Directed IRA (Roth IRA) For Real Estate Investing

Using Self-Directed IRA (Roth IRA) For Real Estate Investing

Boosting IRA gains by diversifying into real estate Financial planner says it offers attractive benefits Kim Crompton Spokane Journal of Business – March 12th, 2015 -—Kim Crompton Spokane-based financial planner and real estate professional David L. Baker says investing in real estate via a self-directed Roth IRA can provide an income stream that doesn’t deplete […]

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