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 against this position. Yet the fact is the industry has continued to grow, and more people access...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...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 eliminate unnecessary interest expenses.I first transferred all outstanding balances from my high-interest credit cards (which were all of them) to my new 0% card. Now I was only making one payment a month instead of three. I then determined the average payment I would have to make each month to have it paid off at the end of the promotional period. That's the payment I made each month and it saved me a great deal of money in interest charges. At the end of the promotional period, my debt was paid off and I hadn't spent a dime in interest! The other option would have been to transfer the balance once again to a NEW 0% card at the end of the promotional period, further lowering the initial monthly payment. I do have a few suggestions before jumping in and signing up for any 0% card. Compare all that are out there! Read the terms carefully. Is there a balance transfer fee, and if so, how much is it? Does the 0% apply to balance transfers only...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 info-commercials, ads in magazines, newspapers, and the especially the Internet? I personally think that...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 certain features in their employer. It continues to amaze us as we visit different businesses how little...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 start thinking I have a screw loose, you may want to continue reading!When I say that I am a credit card deadbeat, I don't mean that I avoid my credit card bills. To the contrary, a credit card deadbeat is the insider term used by credit card company executives and refers to all of the credit card users who pay off their bill each month promptly; in doing so, such customers pay no interest and prevent the creditor from making any profit! That's me! I love being a credit card deadbeat!The alternative to being a credit card deadbeat is what credit card executives call a revolver. A revolver is a credit card user that constantly carries a balance and is charged regular, monthly interest on their charges. Credit card companies love revolvers because they, in essence, increase the bottom line for the credit card company and make them a nice profit. Further, from an insider perspective, the best customers not only carry a balance, but also make...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 maintain...more
Your job as a presentation designer is to make ideas into visual images. For your presentations to work, the visual images must convey exactly what you want to say and require the least possible effort on the part of your audience to "get it". The...more
Secured loans - one of the most popular types of loan uses the home or any other property owned by the borrower as collateral. The borrower pledges his property to the lender for the repayment duration. Although there are numerous other types of...more
If you've done any searching on the Internet for information pertaining to "Credit Repair," you've no doubt found that there's a great deal available. Unfortunately, there's also a lot of misinformation as well.Let's take a look at some of the most...more
Are your credit cards in charge of your life? Are you living payday to payday with no end in sight? Making large payments but not making much of a dent on your principal balance? It may be time to consolidate and live debt free.Debt free living opens...more