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Finance

• Don’t Fear the Paper

  When remodelers talk about government contract work it’s usually to gripe about the paperwork. But there are jobs and money out there, and remodelers shouldn’t let paperwork stop them from profiting.

• Cost vs. Value: For Appraisals, Don't Bet on Bling

  New appraisal laws and decreased home values are diminishing the appraised value of many home improvements and the perceived return on investment of higher-end improvements in particular.

• Home Equity, Foreclosures, and Remodeling Loans: A Statistical Glimpse

  Home equity, foreclosures, and remodeling loans: a statistical counterpoint to MarketWatch article, "In Foreclosures, An Opening."

• Remodelers Spot Opportunity in Little-Understood FHA Renovation Loans

  Remodelers, realtors, and lenders take a new look at renovation loans as banks offload foreclosures and homeowners scramble for renovation funds.

• Renovation Loans: a Foreclosure Silver Lining

  Growth in FHA 203(k) renovation loan program points to new potential growth outlet for remodelers, though on a smaller scale.

• The Comfort of Cash

  When credit is tight, it pays to have cash on hand. The question is, how much?

• Ask the Expert: How Do You Keep Cut Credit Lines From Crashing Projects?

  Ways to deal with clients' reduced credit lines and still make remodeling projects happen.

• The Real Bottom Line

  Isolate field staff costs so you can get a more accurate picture of your company's bottom line.

• Statistical Remodeling Snapshot: Business Lending

  A statistical snapshot of lending terms and availability for remodelers and other small businesses as of August 2009.

• Business Stress Test

  Before you borrow any more money, take a hard look at the truth of your situation. Use this worksheet to help you.