I don't divide the expenses individually.

The United States started out as a country of hard working, self-sufficient individuals with a can-do attitude.

Banks, and mainly European banks, have large exposure to emerging market debt of all types through both sovereign, corporate and individual loans.

This is my concern and although it does not affect me personally, it does in a way because it potentially negatively affects innocent individuals, religious organizations and non-profits.Here is a link to back up what I have stated:http://www.npr.org/templates/story/story.php?

The HOA board would normally be composed of a few motivated individuals that are willing to serve and are elected (or chosed by defalt) by the rest of the owners.

Looking at the numbers the first one would be ideal since there is more equity in there but if it were me I would find better deals than those though.

I think we would like to create some entity to use for our next purchase and ideally place the existing property into.Any suggestions?

One looks at individuals developing entire shopping centers worth millions and it seems inconceivable that personal credit is more important than the equity that they can provide.And if personal credit IS important, how does one deal with it short of fixing it, waiting years, etc.?

Looking for an ideal holiday home?

This time of year, people are going to be on vacation and distracted with personal business.Note I'm talking about individual properties.