Bankers Exchange Services

Welcome to the February 4, 2009 edition of 1031 exchange.

KCLau presents Redefine Retirement: Lifestyle Design of the New Rich posted at KCLau’s Money Tips, saying, “An article about retirement, deferred Retirement versus mini-Retirement, income relativity and how to use the shortest to earn the income that u need.”

David presents Budgeting vs. Allocating Funds: There’s A Difference posted at Personal Finance Ology, saying, “The difference between budgeting and allocating your money is not a trivial one, but is often overlooked. It is prudent to both budget and allocate your discretionary funds so that you can stretch you dollars further!”

KCLau presents Procrastinator, plucker, plotter, and prober posted at KCLau’s Money Tips, saying, “Recently I was reading the book titled “The Number: What do you need for the rest of your life and what will it cost?”
I give you a rundown on wat the book has to offer”

Ralph Jean-Paul presents How To Make Important Decisions Quickly posted at Potential 2 Success, saying, “Quick decision making is critical in just about every aspect of life. Every decision you make produces a result. In every line of business, quick decision making is crucial for success.”

investing strategies

Smart Investor presents When Not To Invest In Stocks | The Stock Investor – Stock Advice And Tips posted at The Stock Investor, saying, “Everyone is always telling you to get into the market. What are some reasons you should stay away from stocks?”

Raymond presents Free Quicken Online Review and Quicken 2009 Discount Coupon Codes posted at Money Blue Book.

mortgage/financing

Den Levin presents Why Credit Is So Important | Credit Makes The World Go Round posted at Credit Makes The World Go Round, saying, “Lack of credit affects everyone both directly and indirectly.”

KCLau presents Best of KCLau’s Money Tips 2008 posted at KCLau’s Money Tips, saying, “A run down of the best KCLau’s Money Tips 2008″

Joe Manausa presents Tallahassee Foreclosure Report | Tallahassee Real Estate Blog posted at Tallahassee Real Estate Blog, saying, “There is plenty of news in the national media about foreclosures. From everything that I have read, I suspect for every 100 foreclosures that have and will hit the real estate market during our current housing crisis, we have only seen 2 or 3. The bulk of the foreclosures have yet to hit the market.”

real estate market

Joe Manausa presents January 2009 Housing Market Trends | Tallahassee Real Estate Blog posted at Tallahassee Real Estate Blog, saying, “The continuation of the three-year-old bear market in real estate has brought many people forward to comment on the condition of the real estate market. It seems for everybody with an opinion, there are an equal number of theories about where the housing market is going. So, not to be left out of the crowd……. I thought I would chime in with an (updated) opinion of my own.”

Haydee Sampiano presents Torrance Real Estate Market Recap for 2008 posted at HHC South Bay Real Estate News, saying, “The final numbers for the Torrance real estate market in 2008 are in and although it was a tough year for home sellers there were some interesting market developments towards the end of the year that may indicate a brighter 2009 for sellers.”

Haydee Sampiano presents Manhattan Beach Real Estate Market Recap for 2008 posted at HHC South Bay Real Estate News, saying, “The final numbers from the South Bay Association of Realtor for the Manhattan Beach real estate market in 2008 reveal just how tough a year it was for home sellers. The year started with a less than stellar 14 home sales (single family homes, condos/townhomes, and residential income) for the month of January and ended with 14 sales in December.”

Raily Arena presents Tips to Increase Your Chance of Selling Your Home posted at How to Sell Your Own Home.

Raily Arena presents Tips To Get You Started On Selling Your Home posted at How to Sell Your Own Home.

Ken presents Home buying market concerns posted at thehumblecoach.com.

transaction tips

Joe Manausa presents Real Estate Sales Success | Tallahassee Real Estate Blog posted at Tallahassee Real Estate Blog, saying, “By tracking movement of inventory in the MLS, one is able to tell if the market is expanding or contracting, and whether property values are rising or falling. With this information in hand each month, you can best understand a great strategy for selling a home (or one for buying a home).”

That concludes this edition. Submit your blog article to the next edition of 1031 exchange using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Technorati tags: 1031 exchange, blog carnival.

Bauer Financial has been analyzing and reporting on banks and credit unions for 16 years.  Financial institutions can not pay to be ranked nor can they be excluded.   The information used to determine the ranking is compiled directly from reporting done by federal regulators.

In July of last year I wrote about “Knowing Your Bank“.  I mentioned “Tier One Capital Ratio” as being one of the criteria regulators use to measure the health of a bank.  Regulators require banks to maintain a tier 1 risk-based capital ratio of 4%, a tangible capital ratio of 4% for a total risk-based capital ratio of at least 8%.  Bay Commercial Banks total risk-based capital ratio is 17.16%.

Bauer Financial recommends all institutions they rank with either 4 or 5 stars.  What this means to them is that the institution is safe, financially sound and operating well above its regulatory capital requirements. 

What this means for the client is piece of mind.  Any client who deposits funds with Bay Commercial Bank or Bankers Exchange Services can be assured their funds are secure.    

To open an account contact our office at (877)989-1031.  We facilitate 1031 Exchange transactions nationwide.

Welcome to the December 31, 2008 edition of The 1031 Exchange Carnival.  This is the last edition of the 1031 Exchange Carnival for 2008.  We will host our monthly carnival again each month in 2009 starting with our first edition which will post on Wednesday, February 4th.  Thank you to everyone who has submitted posts to our blog we have really enjoyed them and know our readers have as well.  Keep them coming in ’09′.

KCLau presents How to manages monthly cash flow posted at KCLau’s Money Tips.

KCLau presents Christmas On A Budget posted at KCLau’s Money Tips.

investing strategies

Michael Cohen presents I’m Betting On Oil posted at Stock Investing.

Robert Brus presents Blog | posted at The Site Rush Preview.

Sandy Naidu presents Bernard Madoff’s Ponzi Scheme posted at FutureNestEgg.

Rob presents 20 Real Estate Investing Tips to Becoming a More Profitable Real Estate Investor posted at Two Wise Acres.

Joe Hayes presents Forex Tips updated Sat Nov 15 2008 12:13 pm CST posted at Restoring Your Finances and Your Faith.

Gerald M. presents How Trickle Down Affects You posted at Recession Money Matters.

Joshua Dorkin presents 1031 Exchange into Oil and Gas Royalties posted at Real Estate Investing For Real.

Michael Cohen presents Are TheStreet.com Ratings Great Contrarian Indicators? posted at Stock Investing Tips, saying, “Are snapshot ratings on sites like thestreet.com good indicators of what NOT to do?”

Raymond presents Review Of E*Trade Bank High Interest Savings and Checking Accounts posted at Money Blue Book.

Raymond presents Review Of EverBank Savings and Checking posted at Money Blue Book.

millionaireblog presents Act quick if you want to buy Gold or Silver posted at millionaire blog .co.uk, saying, “Now is the time to invest in bullion. Learn more about the demand for Gold and Silver over at Millionaire Blog where Chris talks about how you need to move fast in order to make a profit in 2009.”

real estate market

Joe Manausa presents Real Estate Supply And Demand | Tallahassee Real Estate Blog posted at Tallahassee Real Estate Blog.

Pinyo Bhulipongsanon presents Five Secrets to Successful Real Estate Investing Partnerships posted at Moolanomy.

Joe Manausa presents REAL ESTATE TRENDS WORTH WATCHING | Tallahassee Real Estate Blog posted at Tallahassee Real Estate Blog, saying, “The MLS is the only source of information that directly ties supply to demand, so I find that it is important to keep an eye on this set of information on a daily basis. The most important information is new listings, new sales, new failures, and new pendings (homes put under contract), and track these as an “average” or trend over time.”

mortgage/finance

 Junior presents Does The Big Three Crisis Mark The End Of Big Labor posted at Car Commentary.

tax implicatgions

Credit Shout presents Tax Benefits for the Middle Class: What You Should Know posted at CreditShout.

transaction tips

Erica O’Leary presents Home Improvement posted at Denisolead’s Blog.

Denis O’Leary presents Bathroom Remodel posted at Home Improvement.

Denis O’Leary presents Kitchen Remodel, Martinez, CA posted at Home Improvement.

Denis O’Leary presents A new top 10 list of Resolutions posted at LEAD Construction, saying, “10 ideas for a New Years Resolution.”

That concludes this edition. Submit your blog article to the next edition of 1031 exchange using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Questions about 1031 Exchange, give Bankers Exchange Services in Walnut Creek, CA a call (877)989-1031 or visit our website at www.bes1031.com

Technorati tags: 1031 exchange, blog carnival.

The Federation of Exchange Accommodators published a member update today addressing the growing concerns in the 1031 industry.  This information is disturbing and unfortunate.  Many exchange companies have been unable to survive during the current financial crisis being felt throughout our nation.

This information further strengthens the notion of how important it is to thoroughly vet your 1031 company before making the decision to have your funds placed in their care.  Here are the questions you should ask and the answers you are looking for:

1.  Are the exchange accounts segregated?  The answer should be YES, there is never a reason to comingle exchange funds with operating accounts or other exchange accounts.

2.  How are the exchange funds invested?  The answer should be in FULLY LIQUID ACCOUNTS, such as certificates of deposit, cash management, working capital, money market accounts, bankers acceptances or U.S. obligations.

3.  If having all of your exchange funds FDIC insured is important then you need to ask if the company is participating in the Temporary Liquidity Guarantee Program offered by the FDIC.  This program will ensure any amount of funds through a bank.  Certain restrictions apply so be sure to get all the details.

If you would like more information on 1031 Exchange give Bankers Exchange Services in Walnut Creek, CA a call (877)989-1031.  We are a bank owned intermediary.  We segregate all exchange funds.  We deposit all funds into money market accounts.  We are participating in the Temporary Liquidity program.

Welcome to the August 3, 2008 edition of 1031 exchange.

KCLau presents How to Calculate Your Investment Portfolio Return? posted at KCLau’s Money Tips, saying, “About how to calculate your investment portfolio returns.”

Helen Anderson presents 5 Credit Card Fees You Probably Didn’t Know About posted at Bankaholic.

KCLau presents Average Monthly Household Income in 2007: Is it enough? posted at KCLau’s Money Tips, saying, “According to a survey done by the Statistic Department for the Economic Planning Unit, published in Personal Money Magazine June 2008 edition, a typical family in Malaysia earns only RM3686/month. How much this is worth and how much can be spent.”

Robert Phillips presents How to Create an Audio Product Practically for Free posted at CYBERCA$HOLOGY.

KCLau presents The Money Book: A CAP Guide to Managing Your Money posted at KCLau’s Money Tips, saying, “Published by Consumers Association of Penang (CAP), a run down on how to manage your money and a list of what the money book discusses.”

James Lee presents Massive Action… TO COMPLETION! posted at Online Business Freedom.

Robert Phillips presents 3 Simple Ways to Increase Blog Traffic posted at How to Create a DVD without Spending a Dime.

investing strategies

Mark Babineaux presents the-law-of-attraction posted at Where-is-my-success-i-don’t-know-what-to-look-for.

Value Seeker presents Stock Investment Resource: Stock Market Investing Tips – Don’t Overleverage posted at Stock Investing, saying, “Be careful with margin trading. If you take on too much
leverage, you may risk a margin call.”

Helen Anderson presents 3 Warnings Signs Your Bank May Fail posted at Bankaholic.

Larry Russell presents Financial Planning Reading List posted at Pasadena Financial Planner.

mortgage/financing

Raymond presents How Credit Scores Work And How Scores Are Calculated posted at Money Blue Book.

real estate market

Joe Manausa presents Housing Prices Decline Slightly – A Clear Picture Is Forming posted at Tallahassee Real Estate Blog, saying, “While there have been many articles written on the declining real estate market, most are filled with facts and figures that are difficult for the lay-person to follow. This article is filled with easy-to-understand graphs that demonstrate the modest decline in home prices.”

Joe Manausa presents Tallahassee Real Estate – Market Graphs Updated posted at Tallahassee Real Estate Blog, saying, “A compilation of real estate market graphs that shows different segments of the real estate market and how it is performing.”

transaction tips

Value Seeker presents Stock Investment Resource: Stock Market Investing Tips – Democrats and Offshore Drilling posted at Stock Investing, saying, “Author discusses the lunacy of the Democratic opposition to offshore drilling.”

Phil B. presents Stop Using Credit Cards « Phil for Humanity posted at Phil for Humanity, saying, “Save money by stop using credit cards.”

That concludes this edition. Submit your blog article to the next edition of 1031 exchange using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Thank you for viewing our blog, if you have any questions regarding 1031 Exchanges please give us a call at (877) 989-1031.

Disclaimer – The views expressed in these blogs do not necessarily reflect those of Bankers Exchange Services, Bay Commercial Bank or The 1031 Exchange Blog Carnival host.

Technorati tags: 1031 exchange, blog carnival.

This past Thursday, I was waiting for an appointment and saw a headline on the front page of a newspaper stating that California existing home sales in April were up over 30% from March.  Although the sales were still lower than their level one year ago, it was the first postive sign we’ve seen in the housing market in quite some time.

Everyone has a different opinion about where the “bottom” might be in the real estate market.  Personally, I believe the market will be soft for quite a while and the bottom might come in late 2009 or early 2010.  But in the end, nobody can tell the future.  One thing is for certain: there is a growing amount of pent up demand sitting on the sidelines and as soon as they see a reason to get back into the market, there will be a surge of activity.  April is a case in point.

Comparing house prices today with those of 2005, there is no question values are more attractive.  In some areas, it’s actually possible to buy an investment property and be cash-positive right from day one.  That hasn’t been possible in California for a while.  So whether we have hit the bottom or not, this is still a great time to look at real estate.  There are a lot of deals out there!

Bankers Exchange Services specializes in 1031 Exchanges and if you have any questions about your own particular circumstances, click on the Contact tab and send us an email.  We’d love to hear from you and would be happy to answer any of your questions.

For more information please contact us at (877) 989-1031