Financial

Discover how to develop an investor relations program for your company with this 8-page downloadable guide.

• The guide was created by the Osborne Group Inc., a Canadian project management and business coaching firm.
• It was prepared to illustrate how companies can ensure that their investors have a good level of understanding about the business and its operations.
• You will also find tips on how to promote better communication between the company and its financial partners.
• If your company has investors who are not actively involved in the business, this guide will be a valuable information resource.
• Available as a free PDF download.

Selling a property in Hawaii to a buyer who can't get a mortgage loan? You can finance the purchase price with this Agreement of Sale.

• An Agreement of Sale works rather like a contract for deed, because it allows the buyer to pay off the purchase price of the property over time ("seller financing").
• The buyer pays a downpayment at the time the Agreement is signed. The buyer then makes monthly payments towards the balance, with a balloon payment of the entire amount outstanding at the end of the payment term.
• The buyer can prepay all or part of the outstanding balance at any time.
• If the buyer defaults in making payments or performing any of its obligations, the seller can immediately demand payment of the entire unpaid balance with interest and take possession of the property.
• If your buyer can't get a conventional mortgage, do it yourself with this Agreement of Sale form.
• Intended to be used only in the State of Hawaii.

Place a mortgage on a residential property with this Hawaii Fixed Rate Mortgage form.

• The mortgage form contains both uniform covenants required by federal laws, and non-uniform covenants which are specifically required by Hawaiian laws.
• The mortgage is being granted to the lender as additional security for a mortgage loan, plus interest and applicable charges.
• This mortgage form is a downloadable and fully editable template in MS Word format.
• Intended to be used only in the State of Hawaii.

Do you want to learn how to manage your cash better? This 9-page info package for Canadians can show you how.

• How to Manage Your Cash to Increase Your Net Worth was developed to help Canadians manage their cash better, improve their personal bottom line and maximize their net worth.
• Topics include:
  • cash management pitfalls and options,
  • creating a household budget,
  • dangers of procrastination,
  • emergency cash planning,
  • debt management,
  • paying yourself.
• Available in PDF format.
• Aimed in Canadian residents and intended for use in Canada.

If you are selling a real estate property in Idaho, you can assist the buyer by carrying part or all of the purchase price with this Contract for Deed (or purchase money mortgage).

• Under the terms of this Contract, the seller effectively becomes the mortgage lender for the balance of the purchase money.
• Title will transfer to the buyer once payment in full of all principal and interest has been received by the seller.
• The seller has the right to take back the property if the buyer defaults in payment.
• At the seller's option, the balance can be repaid by monthly payments with or without interest until paid, or monthly payments with interest for a fixed number of payments with a balloon payment at the end to pay out the balance.
• Available in in MS Word format and fully editable to fit your exact circumstances.
• Intended to be ued only in the State of Idaho.

Transfer the title to an Idaho real estate property from a seller to a trustee with this Idaho Deed of Trust.

• A Deed of Trust can be used in place of a mortgage in the sale and purchase of real property other than agricultural farm land.
• The title is conveyed by the seller to a trustee instead of to the purchaser. Title to the property is held as security to ensure the purchaser's performance of its obligations (including payment of the purchase price, maintenance and upkeep of the property, payment of taxes, etc).
• If the purchaser defaults in payment, the balance becomes due and payable and the trustee may sell the property.
• The Deed of Trust contains uniform covenants regarding payments, funds for taxes and insurance, prior mortgages, hazard insurance, occupancy as principal residence, care and maintenance of the property, protection of the lender's security, and other standard clauses.
• This form can only be used for properties that are not more than 40 acres in size, or are located within a city or town.

Use this Illinois Fixed Rate Mortgage template to secure a home loan for a residential property.

• The mortgage form contains both uniform covenants under federal law and non-uniform covenants under Illinois law.
• The State-specific covenants cover such things as: acceleration of the loan if the borrower defaults; release and satisfaction of the mortgage upon repayment; waiver of homestead rights; and collateral protection insurance.
• The mortgage secures repayment of the principal amount of the loan, plus interest and any costs or charges payable by the borrower.
• You can re-use the template as often as you like. There are no additional license fees or costs.
• Intended to be used only in the State of Illinois.

This Agreement to Buy and Sell Stock is between an Indian stock trader and a client, and sets out the terms on which the trader will buy and sell securities for the client.

• The trader must be a member of the National Stock Exchange of India Ltd. (NSEIL) and National Securities Clearing Corporation Ltd. (NSCCL).
• The client will execute all of its orders for purchasing, selling and redeeming units of mutual fund schemes through the trader.
• The trader will buy and sell the units, pay over funds, deliver units, and supply documentation to the client as required.
• The agreement is subject to SEBI, NSEIL, and NSCCL rules, regulations and guidelines.

If you are a trader, you will find this Agreement to Buy and Sell Stock a convenient and easy means of preparing your client contracts. You can use it as often as your business requires.

When traditional mortgage sources tighten their requirements, some buyers no longer qualify. That's when a vendor assisted solution like this Indiana Contract for Deed is a good alternative.

• A contract for deed can also be used to provide bridge financing.
• The seller essentially takes the role of the mortgage lender and carries the balance of the purchase money.
• The buyer can pay off the balance by (i) monthly payments with interest until all of it is paid, or (ii) monthly payments with interest for a fixed number of payments with a balloon payment at the end.
• Title will transfer to the buyer once payment in full of all principal and interest has been received by the seller.
• The seller has the right to take back the property if the buyer is in default.
• Available in MS Word format.
• Intended to be used only in the State of Indiana.

This downloadable Fixed Rate Mortgage template for Indiana makes it easy for mortgage lenders to prepare loan documentation for home loans.

• Besides the standard provisions and covenants required by federal lending laws, the template includes additional provisions in accordance with Indiana Laws:
  • Default, acceleration, and foreclosure.
  • Release of the mortgage once the loan, interest and charges have been paid in full.
  • Waiver of valuation and appraisement.
• If your business offers credit facilities to Indiana homeowners, you should have a copy of this Fixed Rate Mortgage in your electronic documents. Buy, purchase, download, use - it's easy.
• Available in MS Word format.