There are a great many traps and scams that exist in the world of payday loans that will only leave you with less of your hard earned cash and a tremendous headache. Instead of having to deal with these scam artists after you find yourself in the position of being a debtor, research all your available options so you do not end up as the victim of a well placed trap. There are a fantastic array of loan agencies in both the physical world and the...more
The toy industry suffered a major setback during therecession. Thankfully, it survived but the products comingout of the toy industry of late are quite boring. Onewonders where has all the innovation gone? If you have anoriginal idea to sell to the toy industry you will need togo about it the right way or else suffer rejection andfrustration.Toy companies receive thousands of ideas from inventorsevery year, and accept only a fraction of them. So...more
Here are some helpful and realistic tips to buying a home.Get pre-approved for a mortgageGetting a mortgage pre-approval will save yourself the grief of looking at homes you can't afford and put you in a better position to make a serious offer when you do find the right one. Don't just get pre-qualified for a mortgage, which is based on a quick review of your finances, pre-approval from a lender is based on your actual income, debt and credit history.Make sure you are working with a good lenderGetting a mortgage is a very important part of the equation. Make sure you are working with someone reputable, preferably in the area that you are buying. When I deal with buyers who are using out of town banks there are typically more snags in the transacation.Learn the marketDo your homework on where you plan to buy. Visit Realtor websites and search through the properties for sale. Most Realtor websites offer free access to the MLS. Use it and see what is out there. Become educated on the market. Here in Sarasota, Florida I get many requests from people who want to buy a beachfront condo overlooking the water for about half of what they cost. It does not exist. Be realistic about...more
A mortgage is legal agreement or contract that says that a party has agreed to put up a property, a house or a piece of real estate, as security to get a loan. By doing this, the person getting a loan can buy a piece of property that he initially cannot afford. Still, if by any chance, he cannot pay for the loan, the bank will have to foreclose the...more
Millions of people make use of payday loans every year, and their number is increasing. Yet the payday loan industry is also the favorite whipping boy of several organizations. The allegations against the industry are well known: that they charge a high interest rate, and push low-income people further into debt.There have been arguments for and...more
There are two aspects of real estate and marketing that are paramount to your success as a real estate professional; the acquisition of new customers and the retention of old ones. As is the case in other industries the cost of acquiring new customers is escalating. So, it becomes more prudent to continue marketing to past customers. It's less expensive and can be equally profitable. However, many real estate agents, to their financial detriment, often fail to maintain relationships with clients they have "closed" deals on. Take you for example. If you're like the majority of agents you probably spend a lot of time, money and effort acquiring new customers; and heaven knows it's anything but easy. But how effective are you at retaining past ones? You probably feel, real or imagined, pressure to make the next "close", but in doing so you are leaving a lot of money on the table. Actually, it's more like you're putting money into a competitor's pocket. Marketing to past clients can be especially rewarding. You probably shared a genuine care for each other, and if they were satisfied with you and your services in the past, there is a greater...more
If you are like me, you receive multiple 0% APR credit card offers on a daily basis. Up until about a year ago, I would just throw them away. Then I wised up and saw an opportunity. Not only could I consolidate my current credit cards, I could...more
Something For Nothing SyndromeLet me be perfectly honest with you, there is no such thing as something for nothing, but you already knew that didn't you. Then why are there so many home based business and success programs being sold by way of TV...more
As the competition for talented people picks up, forward thinking managers need to assess how they are positioned to keep their good people and attract some more.Get the basics rightPeople who have choices, and good people normally do, look for...more
I am delighted to say that I am a credit card deadbeat! In fact, some of you might already be credit card deadbeats too, if so, I commend you for your excellent work! Now, as for those who don't know what a credit card deadbeat is, before you...more
There are many major differences between online banking and offline banking; if you are presently undecided between your current, limited offline bank and opening a new online bank account, you should take some time to thoroughly evaluate your...more
Real Estate Post Card Marketing is an underutilized real estate marketing strategy known by many, but used by few. The test? How many agents do you know market real estate with postcards. Not many - that's what I thought! Yet, those that do...more