We're all entitled to the opportunities and benefits of home ownership. But because most of us aren't loaded with cash, we must find banks and lenders to assist us with finance. No matter what your credit history is, or what your circumstances are, the internet has now made this process a billion times easier. This article will outline a 5 point plan, to assist you in your pursuit of financing online:Step 1: Don't be afraid to go...more
Here's a dirty secret, today's "non profit credit counselors" are often just front organizations paid lucrative commissions by creditors to keep consumers from declaring bankruptcy! In the "debt collection biz", creditors will sell your outstanding debt along with the debt of hundreds of others to a collection agency for cash up front. The collection agencies will work this debt until they've made all the money they can. Then they'll keep selling...more
Most businesses want to be able to borrow money when they need it, without the owners having to guarantee the loans personally. This means less risk to the owners. But wanting to get credit for your business and actually getting it can be two different things. One company recently approached us because over the past two years they had created a successful business, with over twenty employees. But they couldn't get a business loan because they hadn't taken the time to build a business credit profile and didn't know where to start. You may have seen marketing hype about how a business credit profile can overcome a bad personal credit file. In most cases, however, it's important that small businesses have both good business credit, as well as solid personal credit on the part of the owners. This is especially true in the current environment where investors and venture capitalists aren't handing money out to just anyone who can breathe and has a business idea! Even established businesses will find it necessary in some cases to provide the business owner's personal guarantees on some loans or credit cards. Building business credit is completely different from building personal...more
Key Events To Watch ForIraq Oil Production stabilizing above 2 Million Barrels per dayUsual suspects for Strikes Norway, Nigeria, and VenezuelaSaudi Production over 10 Million Barrels per dayLargest Importers to U.S. and amount weeklyRussian Oil giant Yukos back taxes problem ( produces 1.72 Million barrels per day) alot of export revues for Russia...more
The most successful entrepreneurs rely on their advisory boards to help spot new opportunities and potential pitfalls.Now you can have your own advisory board: a shadow board of directors.A shadow board of directors is a low-tech technique for accessing the expertise of others and increasing your confidence and options. A shadow board can help you...more
I'm in the process of moving from one computer to another, and one of the things I really miss so far is a good keystroke macro program.That's a program, a communication technology, that allows you to trigger long strings of text, including names and email addresses, with just a couple of keystrokes. For example, I often have to write out the name of my book, A Manager's Guide to Newsletters: Communicating for Results. With a macro, I simply type "mgx" (without the quotation marks) to write out the first half of the title (up to the colon), or "mgc" to write out the full title.If you've used them yourself, you know how handy it is to be able to have shortcuts to commonly-used pieces of text (also called boilerplate).Almost every kind of writing uses commonly-repeated words and names, and once you get used to using macros, they save a lot of time that would otherwise be spent hammering on the keyboard.They're especially useful for snippets of text that involve hard- to-reach characters on the keyboard. For example, when you type an email address, you have to reach to the upper left corner of the screen to hit the "@" key. So, I have macros for commonly used email addresses: "abcx"...more
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...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,...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...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...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...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...more