Tom Luxsox Coins

Note Holders

You would be surprised at home many private note holders call me and say, "I have a $100,000 mortgage on a home I sold. Can you tell me how much it's worth?" That's like saying, I have a 2,000 square foot house for sale. How much is it worth? Like any financial instrument or asset, private mortgage values can be all over the board. To help clear up much of the confusion, here are the 5 key drivers in determining the value of a note. These drivers are in no particular order.

1. The down payment/equity in the property - A nice down payment and/or chunk of equity really helps the value of a note as it lowers the perceived risk for a mortgage buyer.

2. The amount of seasoning on the note - As with equity, a long period of seasoning lowers the perceived risk for a mortgage buyer, therefore increasing the note's value.

3. The credit of the borrower - Decent credit for the borrower not only lowers risk but it may even make or break whether a note buyer will even consider purchasing the note.

4. The amortization period - Long amortization periods make for bigger discounts as private mortgage buyers are discounting future cash flows. The further out incoming cash is, the larger the discount. It's simply a function of time.

5. The interest rate - If you had 2 mortgages that are identical in every way except for the interest rate, the higher rate one (depending on the difference) will be more valuable. This is due to higher monthly payments that when discounted, result in a higher present value.

So when estimating the value of a private mortgage, you need to take into consideration the above elements of the note. Better yet, if you're creating or considering creating a mortgage, be sure and use your knowledge of these drivers so as to create a much more valuable asset. The result will be more money in your pocket, even if you don't sell the note.

Ron Stone owns a note buying business, buying private mortgage notes. Learn more about mortgage note buying and selling at his websites at Mortgage Buyers and Mortgage Note Buyers.

Snowflake Candle Holders $4.5 ""Mix and match these frosted white and glacier blue tea light holders for your winter wedding theme.*Note: Candles not included.""

Wooden Bobble Heart Note Holders - Set of 12 $7.99 This sweet heart-shaped note holder has a fun twist - it bobbles! Easy to decorate with marker paint crayon pencil and collage this project makes sweet whimsical gift that parents will treasure. Measures 4 1/2H x 3W overall.

Imprintable Magnetic Badge Holders $3 These badge holders create a professional appearance and prevent lost cards. These badge holders create a professional appearance and prevent lost cards Use with all types of cards including id badges, proximity cards, bar code, wiegand and smart cards – even magnetic stripe cards with low energy stripes Single pocket black suede vinyl holder is imprinted in 1 color with your choice of elegant foil stamping colors No clips or pins to damage clothing Magnet is shielded so it won’t erase magnetic stripes on id and credit cards Note:any person with a pacemaker should consult their physician before wearing this magnetic product

Acanthus Leaf Iron Candle Holders $219 This set of three elegant iron candle holders features a burnished silver finish with antique gold acanthus leaves for detail. All three holders have a diameter of 5�; their heights are 24�, 30�, and 36�. Please note that the candles are not included.

DMA Elements Faux Leather and Velvet Note Paper and Pen Holders (Case of 60) $454.79 Faux leather and velvet add style to the functionality of this pen and paper holder. Each case contains 60 holders. Note paper and pen holderBlack faux leather Velvet interiorPen well on right sideDimensions: 6.5 inches x 5.25 inches x 1 inch Case contains 60 holders

SuperScan™ Extra Large Label Holders $60.5 Easily label shelves and racking. Label holders ideal for job tickets, inspection sheets, instructions and production schedules Holders are bar code compatible Apply to any clean, dry surface (note: magnetic are for steel surfaces only) Clear vinyl with matte finish ensures easy readability of label Laser/inkjet inserts and general printing instructions included

Note $10 Note

Handy Holder Extra Wine Glass Holders Set of 2 $24.05 These Handy Holders are a great way to keep your cans bottles and glasses clean and stable when you re BBQing picnicking or spending the day at the beach. These Handy Holders help you to minimize accidents and spills while enjoying the great outdoors. There are two different sets of Handy Holders to choose from: the wine set includes the wine bottle holder and two wine glass holders and the can holder set includes two can/glass holders. Extra wine glass and/or can holders are available in sets of two each. Please Note: a regular soda can can fit in the opening.

The Note $6 The Note - Kevin Hammond

Weddingstar 7007 Suspended Heart Taper Candle Holders $32.62 After 28 years Weddingstar Inc. has learned a great deal about making dreams come true. From traditional to contemporary today s Brides constantly search for accessories that reflect their personal style. Our extensive selection of Bridal products feature many exclusive designs inspired and manufactured by our talented staff. Hand finishing by skilled and experienced crafts people result in quality unique wedding accessories. Innovative and fashionable products are combined with perennial favorites. This ability to respond to changing needs has made Weddingstar a leader in the Wedding industry.With suspended heart details' these romantic silver plated candle holders are perfect for your unity candle ceremony and are destined to become a cherished keepsake in the years that follow. Note: This is just for the taper holders not the candle holder.

Foam Hoop Holders - 1 Dozen $41.38 PLEASE NOTE: THIS ITEM CANNOT SHIP VIA 3-DAY DELIVERY.Create your own games by sliding hoops or wands on horizontally and verticallyCreate dozens of over, under and through obstaclesEach set includes 1 pair of each color: Blue, Green, Orange, Purple, Red and Yellow

Snake Holders $24.99 Snake Holders - Photographic Print

Musical Note Votive Holder Each $1.79 Softly illuminate your tables with votive holders and candles that match your theme! Musical staff or Keyboard styles available. Each 2 1/4" high glass includes a white votive candle. Additional votive candles can be purchased separately.

Hacienda Candle Holders, Set of Three $180 -Handmade by skilled American craftspeople -Rust finish -Slight variations in color and dimensions will occur due to the handmade nature of the product -During the finishing process each piece of steel develops its own unique pattern of light and dark tones and no two pieces are the same -Lacquer coated to preserve the beautiful patina -Candle not included -Made in USA -NOTE: This item is custom manufactured. Orders cannot be cancelled or changed once placed. Please contact customer service for more information.

Shells by the Sea Authentic Shell Placecard Holders with Matching Placecards (Set of 6) $7.85 Every shell in these placecard holder sets is an authentic natural specimen gathered from the sea. They make great placecard holders at your wedding celebration, while afterwards your guests can use them as photo and memo holders. Sold as a set of six, with matching placecards. Please note that as each seashell is unique there may be some variation on size and shape.

Rustic Wooden Candle Holders (Set of 3) (India) $181.07 Bring the elegant style of India to your home decor with these hand-carved candle holders. This set of three wooden candle holders features a lovely brown color. Set includes: Three (3) candle holders Colors: BrownMaterials: WoodCandle holder 1: 12 inches high x 5 inch diameterCandle holder 2: 15 inches high x 5.5 inch diameterCandle holder 3: 19 inches high x 6 inch diameterStory Behind the Art:Saharanpur, in the north of India, is the traditional center for sheesham and mango wood carving. The forest along the slopes of Himalayas provides abundant source of raw material for the craftsmen.The wood they use is of a very high quality and has an extremely high density. Each paint and lacquer is developed as per specific requirements. These craftsmen create carved and inlaid products for the export market. Brass wire inlay craft is called tara kashi, it requires a considerable amount of skill.What is Worldstock?The handcrafted touch of artisan skill creates variations in color, size and design. If buying two of the same item, slight differences should be expected. Note: Color discrepancies may occur between this product and your computer screen.Imported

Set of 2 Lime Light White Lily Flower Pillar Candle Holders $79.99 From the Lime Light CollectionItem #42684These elegant candle holders feature white wire lily flower accents and a holder plate for your favorite pillar candle.Dimensions: 18 inches high (small), 22 inches high (large)Material(s): metalPlease note: candles are not included Type: Candles and Candleholders

Pack of 2 Lime Light White Whimsy Butterfly Votive Candle Holders $74.99 From the Lime Light CollectionItem #42686These candle holders feature unique whimsical white butterfly accents and a glass cup in the middle for placing a votive or tea light candle. Dimensions: 24 inches highMaterial(s): metal/glassPack includes 2 of the item shownPlease note: candles are not included Type: Candles and Candleholders

85756 Suspension Holders $8.46 Suspension Holders

Set of 3 Lava Stone Candle Holders (Indonesia) $108.08 Add a uniquely chic look to any room in your home with this set of candle holders. These candle holders are handcrafted entirely of lava stone. Product Features: Large candle holder measures 10 inches high x 3 inches square Medium candle holder measures 8 inches high x 3 inches square Small candle holder measures 6 inches high x 3 inches square Story Behind the Art: Lava stone can only be found in a volcanic area throughout Indonesia. These lava stone handcrafted items were made in a remote village north of Bali, Indonesia. These villagers work day and night to make these handcrafted items and sell them in the market. This is the only source of income for this remote village. The material for these handcrafted items are not always available all year round. When the rainy season comes, it is really hard to get these materials around the island. What is Worldstock? The handcrafted touch of artisan skill creates variations in color, size and design. If buying two of the same item, slight differences should be expected. Note: Color discrepancies may occur between this product and your computer screen.Ships Carbon Neutral*

Pair Transparent Memo Photo Clips Holders with Round Sticky Base $8.99 Descriptions:High quality of Pair transparent Memo Photo clips Holders with round sticky Base can be 100% guaranteed!Memo Photo Clips free your lifestyle.Arrange your letter and photo freely because the bracket of the clip can be rotated in 360 degree.The white round sticky base is easy to install and firm, it will not easy to go down.You can install it on your office desk or home desk.Memo Photo Clips Holders clip your informal note as a message clipper and also can clip your small photos.Length of each clip: 20.5cmSize of each transparent clip: 3.6 x 2cmSize of the white round base: 4cm in diameter.Weight: about 33gPackage Contents:2 x Memo Photo Clips Holders

Set of 6 Rich Plum Antique Gold Fleur-De-Lis Pillar Candle Holders 8 - 12 $74.99 From the Rich Plum CollectionItem #44820Features three different size antique gold, fleur-de-lis pillar candle holdersApproximate dimensions: 8"-12"HMaterial(s): metalSet of 6 candle holders - includes 2 of each style shownPlease note candles are not included with candle holders Type: Candles and Candleholders

Bosca Old Leather 3 x 5 Note Minder - Dark Brown $70 The 3x5 Note Minder has front corner holders for note sheets and a rear pocket for spare notes. Its pen holder and casual design take reminders and writing notes to a whole new level. Available Colors: Cognac, Dark Brown.

Grafitti Candle Holders (Set of 2) (Peru) $110.16 Bring an elegant design to your home decor with these graffiti candle holders. This set of two candles is crafted of clay and features a red and brown design. Product Features:Set includes: Two (2) candlesColors: Red/brownMaterials: ClayLarger candle: 7 inches high x 4 inches wideSmaller candle: 6.75 inches high x 3.5 inches wideStory Behind the Art:The company was founded by me and my husband Juan Marquina. We are a design, distribution and manufacturing company of decorative ceramic. I am the designer and my objective is showing myself and experiences through my pieces.We are working together for 15 years and since the beginning we innovate in shapes, colors and use different textures.About the artisans, the whole circuit is operated in my own company. We work with approximately 25 artisans who are trained, they come here without the knowledge, and they acquire it here, because we prepare them and teach them the techniques.What is Worldstock?The handcrafted touch of artisan skill creates variations in color, size and design. If buying two of the same item, slight differences should be expected. Note: Color discrepancies may occur between this product and your computer screen.Imported

Set of 2 Cylinder Alabaster and Iron Candle Holders (Egypt) $170.72 These candle holders feature hand-hammered, wrought iron holders with satin polished translucent alabaster cylinders. The tealight holders offer a rustic yet stylish way to create unparalleled illumination and elegance. Product Features: Hand-hammered, wrought iron holders with satin polished alabaster cylinders Cylinder can take a glass encased votive candle or simple tea light Surfaces and edges are done in French style hammering Heavy enough to resist wind without tipping over Candle holders measure 5.5 inches high x 5.5 inches in diameter Set of two (2) tealight holders Story Behind the Art:All these oriental alabaster products are made by the same workshop for the past 12 years. The artisan is Mr. Mahmoud Abdel Nabi, who was born in the Egyptian countryside, but who moved to Cairo and grew up there from an early age. Mr. Abdel Nabi has worked in the field of marble, alabaster and stone for most of his adult life. Oriental alabaster is a translucent marble found only in Egypt. It is thought the ancient city of Alabastros, gave alabaster is moniker. The ancient Pharaohs utilized this marble in many aspects of their daily lives and religious ceremonies. Its use in Egypt has been carried down to the present day. Of course, giving work to people is called 'opening homes', here in Egypt. To be able to help people by giving them work, is not opnly a responsibility, but a pleasure.What is Worldstock?The handcrafted touch of artisan skill creates variations in color, size and design. If buying two of the same item, slight differences should be expected. Note: Color discrepancies may occur between this product and your computer screen.ImportedShips Carbon Neutral*

Set of 2 Rich Plum Antique Gold Fleur-De-Lis Christmas Tea Light Holders 10 $54.99 From the Rich Plum CollectionItem #44818Features two antique gold fleur-de-lis tea light candle holders Approximate dimensions: 10"LMaterial(s): metal/glassSet of 2 tea light holders - includes 1 of each style shownPlease note tea lights are not included with tea light holders Type: Candles and Candleholders

Pack of 2 Lime Light White Lily Flower Votive Candle Holders $59.99 From the Lime Light CollectionItem #42685These elegant candle holders feature 2 white wire lily flower accents and 2 holder plates for your favorite votive candles.Dimensions: 12 inches long x 6.5 inches highMaterial(s): metalPack includes 2 of the item shownPlease note: candles are not included Type: Candles and Candleholders

Pack of 2 Parisian Style Vintage Label Wine Bottle Holders $94.99 Wine Bottle HoldersItem #42205Three slots for wine bottlesFrench vintage style wine labels on each holderAntique bronze finishDimensions: 10.25"L x 10"W x 28"HMaterial(s): IronNOTE: Bottle Holder ONLY - other accessories are NOT includedPack includes 2 of the wine bottle holder shown Type: Bar Accessories and Tools Color: Brown

Set of 2 Cognac Library Antique Gold Angel Christmas Candle Piller Holders 20 $84.99 From The Cognac Library CollectionItem #32459Features 2 different style antique gold angel pillar candle holdersApproximate dimensions: 20"HMaterial(s): resinPlease note candles are not inclued with candle holders Type: Candles and Candleholders

3 x Transparent Memo Photo Clips Holders with Round Sticky Base $8.99 Description:Excellent 3 Transparent Memo Photo Clips Holders with Round Sticky Base can be 100% assured!Arrange your letter and photo freely because the bottom of the clip can be rotated in 360 degree.Memo Photo Clips free your lifestyle.The white round sticky base is easy to install and firm, it will not easy to go down.You can install it on your office desk or home desk.Memo Photo Clips Holders clip your informal note as a message clipper and also can clip your small photos.Size of each transparent clip: 4 x 2 x 1.2cmSize of the white round base: 4cm in diameter.Weight: about 28gPackage Contents:3 x Sticky Base Memo Photo Clips

Q2 Pool Cue Holders $14.95 Q2 Pool Cue Holders