Is it better to take equity in a new company or ownership percentage? Its in startup phase?
Q. Its starting ground up, and just me and the owner of the company working on getting it up and running. Which should I ask for, equity or ownership?
Asked by lemmewinks - Thu Aug 6 16:34:47 2009 - - 2 Answers - 0 Comments

A. Equity is an ownership percentage. If someone owns a share of stock, they own whatever percentage that represents of the total outstanding number of shares issued by the company. The amount of stock that would be appropriate for you to ask for is really dependent on the role and expertise you bring to the company. I suggest you brush up on the terms associated with company ownership and corporate stock.
Answered by In Science we trust - Thu Aug 6 19:25:25 2009

What is the difference between shared ownership and shared equity?
Q. When buying a house. 50% shared.
Asked by resonsible dad - Thu Aug 2 06:44:16 2007 - - 1 Answers - 0 Comments

A. Not a lot necessarily, as the phrases are used interchangeably by many. The basic premise of either is that you buy a portion of a house (say 50%) with a mortgage, and you pay rent on the rest. Typically you will have the right to extend your share over a period of time. Shared equity is more commonly used when refering to the Governments Open Market HomeBuy Scheme, with shared ownership a more generic term for the concept.
Answered by simplesimon - Thu Aug 2 07:56:22 2007

Costs/Negatives to transfer house deed from my business to personal ownership to get home equity loan?
Q. My business owns a home; and I want to transfer that home to myslef, in my own name. The home is paid-off. This will allow me to take out a home-equity loan. Are there costs/tax rammifications? Is there a negative I cannot currently detect? Thank you so much.
Asked by dougsuessegger - Wed Jul 30 09:40:07 2008 - - 1 Answers - 0 Comments

A. The bank won't loan on a house in your business name . You are getting a mortgage and it will have to be your mortgage; not the business'. You get a tax deduction for the loan. You must make the payments. Very simple. .
Answered by Ed Atun - Wed Jul 30 10:37:27 2008

UK Housing Market: What is the difference between a shared ownership and a shared equity scheme?
Q. Are they the same thing or does each scheme work differently?
Asked by jimmy2times - Tue Jan 6 15:53:08 2009 - - 2 Answers - 0 Comments

A. The first answer is a load of rubbish. Both are ways of getting a helping hand onto the property ladder. Shared ownership is just that. You buy a share of a house, usually from a housing association. As well as your mortgage payments you pay rent to the housing association for their share. With shared equity, the buyer does not own the property in conjunction with any other party but takes out more than one loan for the property. A mortgage and an equity loan'. However, when the property is sold, the buyer has to repay the loans AND a proportion of any increase in equity of the property to the party making the equity loan'. I think that the equity loans are subsidised by the Government and the idea of the scheme is to help "key… [cont.]
Answered by SimonC - Tue Jan 6 16:39:08 2009

What exactly does "equity" mean when it comes to home ownership?
Q. I hear a lot of people talk about equity when it comes to buying property, but embarrassingly enough, I don't actually know what it means... could anyone explain it to me? Thanks!
Asked by kiki - Sat May 17 23:58:42 2008 - - 5 Answers - 0 Comments

A. The amount you could sell for minus the mortgages.
Answered by shipwreck - Sun May 18 00:02:18 2008

Identify foreign equity ownership restrictions and explain why countries impose these restrictions?
Q. Identify foreign equity ownership restrictions and explain why countries impose these restrictions?
Asked by Albert - Mon Jun 26 18:38:42 2006 - - 1 Answers - 0 Comments

A. Foreign equity ownership restrictions are restrictions on the amount of ownership, which is called equity in companies, which non-citizens of a country are allowed to own or control. These restrictions are put into place in order to both encourage local ownership and control of certain businesses and industries and at the same time to prevent that control slipping into the hands of foreigners. Sometimes the reasons are entirely political. For example recently a Dubai company wanted to buy the major company that operates shipping ports. And, while there is no restriction on that in the United States. The politicians got very fearful that control of the ports by a foreign firm would make it easier for terrorists to get in. So they made… [cont.]
Answered by ed m - Mon Jun 26 18:51:05 2006

What share of equity is my ex partner entitled to on a shared ownership house?
Q. We bought a shared ownership house in May 2005 and split 10 months later. The split was 17 months ago (March 2006). He has not made any contribution to the rent payment since we split and over the last 3 months he has not been paying anything towards the mortgage. Before this he would pay as and when he felt like it. When we first split I told him that I would buy him out but he is being very awkward and not forthcoming in signing over the house in my name. He was not happy with my valuations that I provided in December'06. I have asked him to get his own valuations done but he is not doing it. I am living in the house with my 2 children from a previous relationship. I need to know what he should be paying both rent and mortgage… [cont.]
Asked by Suzie - Sun Aug 19 10:10:02 2007 - - 10 Answers - 0 Comments

A. Normally it is 50/50 you need to contact a lawyer. They should be able to help you better then any answers you might get on here.
Answered by ladylady4470 - Sun Aug 19 10:22:58 2007

How do I transfer ownership of a home to my name?
Q. My grandmother passed and the home that I lived in is in her name ~ I want to transfer ownership to get equity out of the home. First off can I do this and how I don't know the first thing about this so a website to reference would be good
Asked by K.C. - Sun Feb 24 20:13:09 2008 - - 8 Answers - 0 Comments

A. If you have a will giving you the house, all you need to do is go to the recorders office and file the will, and also the death certificate. The bank or mortgage company would be able to do this for you without problem, Only thing you might have to wait on is probate. Don't even need to go to the web site. My sister did this when Dad left her some property, and mortgaged it to the hilt within 90 days of his death.. Good luck
Answered by budhah1 - Sun Feb 24 20:19:12 2008

How do you know how much equity & how much premium are in a stock?
Q. When you buy a stock at $11 for example, how do you know what part of that is actual ownership in a company (equity) and how much is just the premium you paid due to high demand in that stock? I've never traded before and I'm curious. Please help. Thank you guys!
Asked by Triple Nipple - Thu Feb 22 17:19:12 2007 - - 4 Answers - 0 Comments

A. Take the total value of the company, divide by number of outstanding shares, that is your equity. The rest is the premium. That is the simple answer. For more details check out: or any of the million other web sites dedicated to all things green.
Answered by zaphodsclone - Thu Feb 22 17:28:29 2007

What is the value of sweat equity in business partnership?
Q. A prospective question of opportunity has arisen amongst my friends and I would like some input on how one would place a value on sweat equity. Specifically in contributions towards ownership of a corporation. The potential partner in question has recognizes they cannot have an equal share but knows their skill level & knowledge contacts would be invaluable to all. Kind of drop and run sort of person! So they only want to play ball if they get a piece of the pie. I m looking for a formula to place either a payback or direct value of what that sweat equity would be.
Asked by Bob - Wed Dec 13 23:51:14 2006 - - 1 Answers - 0 Comments

A. An equal share. I am assuming that you do not have the money to invest in the opportunity. So you have to 'make up' for the money by doing some hard work. If an equal share does not seem reasonable to the ones contributing the money, see what their original thoughts were. Good luck making the decision and try to keep your friendship very separate from the opportunity. :-)
Answered by chica loco - Sat Dec 16 13:21:00 2006

How do I solicit a transfer of home ownership? or find potential investors?
Q. We brought a second 3 bedroom home in a good neighborhood in San Leandro,CA about 2 yrs ago. After a series of family crisis we decided that our real estate investments just took up more time and money than our family can afford. We have a renter in the property and aren't willing to sell the property without the renter occupying the property; limiting the renovations we can do to prepare the property to sell. Can anyone help with informaiton on a transfer of ownership? With 2 years of equity in this market; such a slim margin of profit makes selling threw a realtor too pricey and like I mention before we can only do minimal updates. We just want the freedom to spend time with family and travel. We'd be looking for someone to assume… [cont.]
Asked by noguru - Thu Nov 9 13:48:50 2006 - - 1 Answers - 0 Comments

A. You say you don't have the equity to sell to an end user though a Realtor... then do you have enough equity that an investor will be willing to buy it? For someone to assume the loan, rather than get a new loan today, the interest rate must be worth it, and it needs to be a fixed rate. Make sure that if someone offers to have you "transfer" the ownership to them, that they either get a new loan or actually qualify through your mortgage company to assume your loan and that you get a release of liability. If you don't have enough equity for this, then rent it out to people with good credit until you do have the equity.
Answered by teran_realtor - Mon Nov 13 22:42:04 2006

How do I go about transferring ownership of my mom's house?
Q. |My mom passed away a few years ago and left me her house, my sister, executor of the will, didn't start the transfer of the house to me until recently. I am told that i have to pay off the $8000 my mom owed on the mortgage/home equity loan n order to obtain ownership. i do not have that kind of cash right now, what are my options in transferring it over? do i have to sell it? i have horrible credit
Asked by Walker - Fri Sep 4 15:01:49 2009 - - 2 Answers - 0 Comments

Any thoughts on using existing equity in the condo I want to purchase as the down payment?
Q. I share a condo and want to purchase it. My name is not on the deed, nor is it on the mortgage. However, I have consistently paid toward home ownership. Since the idea of purchasing the condo came up, we were thinking that I could set a purchase price and get a loan for 80% of that amount. The seller would use existing equity as the down payment and it would not involve PMI being added to my mortgage. What is wrong with this senario? PS we are aware that transfer taxes and closing costs will need to be paid at closing. Are you aware of pros & cons for using existing equity in paying these costs?
Asked by karen e - Sat Feb 10 15:57:03 2007 - - 3 Answers - 0 Comments

A. What you're describing is called a "gift of equity". That is done by parents/grandparents to kids all the time. A non-relative must usually prove a long-standing personal relationship, one that could justify such generosity. Transfers of property between two people who know each other makes banks nervous. Apparently it gives more opportunities to defraud the bank. I'm not saying that's you, just to expect a few extra hurdles because of this. You'll want to check out whether the seller could be obligated for a gift tax. Just to cover that base, talk to a CPA or other tax professional. All that being said, as long as the appraisal supports your purchase price, and you do the gift of equity, what you are proposing is possible. I've… [cont.]
Answered by NONAME - Sat Feb 10 16:05:04 2007

Is there a way to assign a "percentage" of ownership/liability if 2 names are on a mortgage?
Q. I am the only name on the mortgage and would like to add my partner to it to give him an interest in the house. However, he has not put in near the cash from the beginning and I do not feel he should be leagally intitled to half of the equity in the event of a sale. Looking for away to offer him "partial leagal ownership" and still be fair to myself. Can he simply be added to the mortgage or will we have to refinance?
Asked by John G - Mon May 29 06:29:08 2006 - - 3 Answers - 0 Comments

A. better to do a partnership agreement. then you can specify your and his responsibilities and percentage of of ownership and liability
Answered by Pobept - Mon May 29 06:32:22 2006

Would american conservatives support a constitutional amendment limiting the right to vote?
Q. to only those who can show either income of $200,000 or more or ownership equity in land in excess of $500,000? that way we won't have to worry about the riff raff winning election again. How can we make this happen in the USA? and we wouldn't have to deal with the likes of ACORN signing up bums to vote in exchange for a meal.
Asked by jesswzmn - Thu Oct 8 17:49:27 2009 - - 10 Answers - 0 Comments

A. Not at all. I would be for overhauling the public school system so that we have a better educated voting public.
Answered by johninjc - Thu Oct 8 18:16:32 2009

Question on English Land Law with regards to equitable and legal ownership of a property?
Q. If three people purchase and contribute equally to a property, but due to circumstances at the time, only one is registered as the sole owner on the title of the estate, what happens with regards to the other parties interests, in terms of equity? Also do trusts play a part here, such as a tenancy in common? Thanks
Asked by neash83 - Wed Feb 4 06:05:45 2009 - - 1 Answers - 0 Comments

A. When this happens it is important to make a declaration of trust at the time of buying the property, as it would be difficult otherwise for the persons not registered as owners to assert any claim to the property and there would be serious tax implications if the registered owner died leaving his or her share to the persons asserting an equitable interest, quite apart from the wrangle there would be with relatives of the deceased. If this is something you contemplate doing, then these links might help.
Answered by Doethineb - Wed Feb 4 06:30:59 2009

I've heard talk on the internet about Car sharing and fractional ownership. Can anyone tell me about this?
Q. Are car sharing clubs similar to time-shares for condos where you get so many days a year? Or, are they just glorified rental agencies? If they are similar to time sharing do you also develop equity? If not, whats the point?
Asked by old.catholic - Thu Apr 26 16:00:11 2007 - - 3 Answers - 0 Comments

A. They are more like glorified rental agencies--with fewer strings and intended primarily for local travel. Typically, there are cars at a variety of locations around the city. You pay an annual fee for usage (or have an account that you charge your usage against). When you need a car, you call and make a reservation and pick up the car. I'm not sure how they arrange the key business--maybe lockboxes. There are some differences depending on what city you are in. You would want to get your details locally.
Answered by angel_light - Thu Apr 26 16:12:09 2007

In a divorce settlement, can I loan my half of the equity back to my ex so she doesn't have to sell the house?
Q. I am in the middle of an amicable divorce. I do not want my soon to be ex to have to sell the house. We are splitting the equity 50/50 but my ex will be unable to meet a home equity loan payment each month to buy me out. Ex is in school and working only part time. I want to know if we can sign a note where she pays me my half of the equity at a determined date after she is out of school. This is not co-ownership. Home is in her name but it is community property in our state.
Asked by chachafour - Fri Jul 6 19:21:23 2007 - - 5 Answers - 0 Comments

A. You CAN agree to any property settlement that is acceptable to both of you. I recommend a clean break. Any financial ties that remain are likely to go bad. Perhaps she could refinance the house for enough to cover your share.
Answered by STEVEN F - Fri Jul 6 21:27:52 2007

What risks am I taking when assisting my boss in illegal issues?
Q. I have been a dedicated employee for my present company for over ten years. I was promoted last year to Vice President. Recently the three owners have had problems getting along to which two are pulling out early to retire. My immediate boss has asked me to stay on and in writing offered me part ownership, equity and a higher salary but he has asked me to do some things behind the backs of the other owners that recently I am feeling uncomfortable doing. None of this will effect my staff, for I have made sure they are not involved with any of the issues and have made sure all their 401k's stay in tact and have written an agreement that they will soon receive giving them the opportunity to purchase shares, however due to the many arguments… [cont.]
Asked by megabites42 - Tue Apr 10 15:07:23 2007 - - 5 Answers - 0 Comments

A. You'll be charged as an accessory to committing fraud. You are better off standing your ground and say it's not ethical.. Might also be worthwhile for you to seek advice from an employment lawyer to cover you to make sure you walk out if need be on amicable terms.
Answered by lyssaria - Tue Apr 10 15:14:59 2007

Can anyone out there explain the Federal Reserve System to me?
Q. Their claim that raising interest rates lowers inflation appears to be an outright lie. Interest is a basic cost of doing business whether it is return on investment, or interest paid on a loan. I think if you raise interest rates you increase the cost of all good or services or you lower the equity of ownership. What other segment of our economy has gone up 500% in the last four years. A 10% increase in the cost of food brings a terrible outcry, but it is no problem to double or triple interest rates. gray shadow. even with your explanation of decreasing demand the immediate effect is to cause inflation. your example is only appropriate in the long term.
Asked by ldscows - Thu Aug 9 13:13:24 2007 - - 1 Answers - 0 Comments

A. Congratulations on recognizing that paradox. There is a lot in an Econ 101 book that students are expected to accept without question. A lot of Econ doesn't make sense until you dig into the details. This is one of them. The answer to your question depends on if behavior is changed by a change in interest rates. If a rise in interest rates was just passed on in rising prices and had no effect on supply or demand, then yes, it could be inflationary. In reality supply and demand is very sensitive to changes in interest rates, especially with expensive durable goods (houses, cars, etc). Demand for such items goes down, alleviating inflationary pressures on labor and raw materials. But there is another paradox... Raising interest is… [cont.]
Answered by gray shadow - Thu Aug 9 20:45:14 2007