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 that debt consolidation loans are the best option. A debt consolidation loans is one loan which pays off many other loans or lines of credit. I'm sure you've seen the advertisements of smiling people...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 possible. One of the most efficient ways to do this is to reduce the amount of interest we pay by shopping around for a better rate and having our balances transferred over. By doing this, we pay more...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. You may never know your precise credit score, but you need to know if you're at risk!Credit Scoring ... Why It's So Important:Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans. Precisely what is credit scoring?Credit scoring is a system creditors use to help determine whether to give you credit. Information about you and your credit experiences, such as bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and age of your accounts is collected from credit applications and your credit report. Using a statistical program, creditors compare this information to the credit performance of consumers with similar profiles. A...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 requires that the creditor give you a notice either with the specific reasons your application was...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 industry you are in image is a part of your marketing. Take the real estate industry. An...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 entertainment slant of most media today, audiences want a presentation delivered with animation, humor, and pizzazz.If you would rather spend your time preparing your content than reading a book on public speaking, this is an article especially for you! From my experiences in delivering over l500 speeches during the past 20 years, here is a quick guide to giving an effective and interesting presentation your very first time.Begin with something to get the attention of the audience. This might be a startling statement, statistic, or your own story. Listeners pay close attention when a person begins with, "Two weeks ago as I was driving to work a car pulled out in front of me ." You could begin with a current event: "You might have read in the paper this morning about the flood that ." A question is another way to make people listen. "How many of you feel our society spends too much on medical care?" might be a way to begin a...more
Centuries ago great speakers often spoke two hours and more. But today when sound bytes on television news are the norm and serious problems are solved in an hour on a television drama, audiences are most interested in speakers that get their points...more
Let's start by taking a look at 7 key elements of an adjustable rate mortgage:1) ARM defined: While a fixed rate loan is constant and never changes throughout the life of the loan, an adjustable rate mortgage changes periodically. The interest rate...more
If that sounds like you, here's what you may be missing once the new enterprise is launched Public relations that really does something about the behaviors of those key outside audiences that most affect your new enterprise. PR that uses a...more
On Jan 1st 2005 a new online payment processor and wealth-building system will be arriving on the Internet. PayAce's CEO Pedro Dispenza kindly took time out to answer some questions about this new service. Interviewed by Bryan Small 2004 [Bryan]...more
Cell phone accessories would include antennas, batteries, cases, faceplates, holsters, holders, hands free kits and a few others. Antennas are to boost your signal and an additional battery may be a good precaution. A car charger could be a good...more
Cellular phones are used by millions of people in the United States and around the world. They are such a great device! With a cell phone, you can talk to anyone on the planet from just about anywhere! These days, cell phones provide an incredible...more