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 property and resell it to others. The lender will hold the title of the property until after 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 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 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 chance than not that they will...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...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 attention is paid to some of the basics in the work place. Why would someone put up with poor pay, disinterested management, run down physical surroundings, poor equipment and sub standard recreation facilities (and by this we mean something as basic as a lunch room and tea and coffee!) if they had a choice.Those are just the basics. To really compete, you need more.A professional teamPeople who have a choice want to belong to a business that is going somewhere. A place where their work matters and they know it makes a contribution and they are recognised for it.They also want to work somewhere that fits their values, is clear on what is expected from its people and is professional in its approach to managing them.You need to have a vision and plans to get there. You then have to communicate these to your people and get them excited. You...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...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