Here are our Top 10 most important things to consider when shopping for a Home Loan, Equity Line of Credit, or Refinance, courtesy of LoanResources.Net: Down-Payment Fixed Versus Adjustable Rate APR Loan Types Loan Amount Qualification, Income Loan Amount Qualification, Expenses Employment and Credit History Points Sub-Prime Loans Short-Forms1. Down-Payment - As a general rule of thumb, lenders will be seeking contribution from you of around 3%...more
As a manager, does your current business, non-profit or association public relations effort concern itself primarily with radio and newspaper publicity? Or does it concentrate on a specialty area like financial communications or trade relations? Or, possibly, it deals each day with sales support or government affairs? Actually, maybe your PR effort should concentrate on delivering what you really need? For example, PR that really does...more
It seems like a good idea, harmless in fact. Your friends assure you that everybody does it and that employers rarely check resume facts. Going on blind faith and convinced the truth hasn't been helpful so far, you seriously consider fabricating information on your resume. You adapt the school of thought that a little white lie never hurt anyone and lying on a resume is just that, a little white lie. Cheating on a resume can be tempting, especially when one has been searching for a job for months or even years. However, we all know that fibbing is never a good idea, and the likelihood that you'll be caught is extremely high. Even if your "creativity" slips through the cracks, karma has a way of catching up with you. So either way, lying gets messy. That said, many job seekers have major hiccups in their professional lifeemployment gaps, lack of education and/or experienceand it is becoming increasingly difficult for most to write their own resumes without exaggerating or flat-out lying. Since resume fraud is on the rise, employers are taking much more care in verifying information, and it is becoming increasingly difficult to mislead them. The good news, however, is that lying...more
In today's competitive world of retail, many stores are implementing external marketing programs designed to attract new business. Unfortunately, the cost can be very high with little return on investment. What is often lost in the mix is the fact that it can be much more cost effective to have a loyal customer base that returns again and again...more
Many people are starting an online business without a thought about the danger this may pose to their personal assets. The type of protection you need depends upon the nature of your business and the amount of your personal assets. If you have no personal assets, you probably don't need much protection. They say "you can't get blood from a turnip"....more
Reach into your wallet or purse, pull out a card, swipe, and you're done. It is very easy to use a credit card. The problem lies in choosing a card - and it has nothing to do with the picture on the front! Choosing a credit card that works best for you is vital to your credit rating. If you choose incorrectly, you may find yourself in deep debt trouble. Here is some basic, yet extremely important, information that will help you make the right choice.Your Money Handling HabitsChoosing a credit card that is perfect for one person may be a dismal failure for you because your habits are different. When it comes to choosing your credit card, you need to look very closely and honestly at your habits. For instance, do you typically carry a balance or do you pay off the card at the end of each month? If you answered "yes" then you will need to shop for:A low Annual Percentage Rate (APR). The APR the interest rate you will pay on any outstanding balances each month. The higher the rate, the more you will pay in interest charges. A fixed-low rate. This means that they will guarantee that your rate will stay low. Oftentimes, a company will offer a low introductory rate to get you signed up...more
You are swimming in debt. You have 4 credit cards maxed out, a car loan, a consumer loan, and a house payment. Simply making the minimum payments is causing your distress and certainly not getting you out of debt. What should you do?Some people feel...more
It happens to the majority of us, credit card debt accumulates and before we quite realize it, we are carrying a debt load that is far beyond our means. When this happens, we need to take immediate positive steps to knock down the debt as quickly as...more
Just when most people finish with school and can stop worrying about test scores, there's a new kind of scoring that enters the picture. It's called credit scoring. And, its impact on your financial future can mean more to you than a college degree....more
In part 1, we covered the basics about credit scoring - what it is and how it is calculated. It's time to address the critical question ... What happens if you are denied credit or don't get the terms you want?The Equal Credit Opportunity Act...more
In virtually any business first impressions are lasting impressions. Most people have heard this statement for years, and yet some people completely ignore the first impression they are conveying to potential customers or clients. Regardless of the...more
Delivering an effective presentation to 20 or to 200 people is difficult. Because listeners have better access to information since the internet became commonplace, audiences expect more content from speakers today. In addition, because of the...more