Women managers, women business owners and other business women must sometimes contend with unenlightened behavior and attitudes from male colleagues. You can either choose to get your dander up each time, which induces stress and health issues that hurt you (not the guy) or figure out how to deal effectively with it.Business Communication That ExcludesWomen in business sometimes find themselves in the situation where the conversation turns to...more
Finding a rent-to-own house is one of the many ways someone with bad or no credit can buy a house. You will often find them called names like lease/options, lease with option to buy, lease purchase, lease 2 purchase, rent with option to buy, rent to own, or rent to buy homes.There are a few differences between rent-to-own and lease-option agreements, although many people use the terms interchangeably. With a rent to own (or rent to buy) home, the...more
You never thought that your home can be worth anything except for living purposes. Yes, a real estate broker would have offered a large sum on this house. But you never planned to sell the house because of an emotional attachment with it.One of the prime customer bases for home equity loan crops from this kind of people. These are people who have been living in the house for years, or it might be their first home. Having seen the joys and sorrows in the home together slowly converted the house from a brick and mortar structure to ones prized home.You get the necessary cash through the sale of house. But, you lose your home for ever. If you are looking for a middle path whereby you can evade losing on your home and get the cash at the same time, then you would surely like the deal offered by home equity loans. Under a home equity loan, the loan provider agrees to lend to the borrower against his home. This amount will be returned with a certain interest after a certain time period.This arrangement suits the residents of the UK the most. Every month the borrower makes a small payment towards the amortisation of the amount lent. It is the borrower who decides the monthly repayments....more
Subprime lenders offer financing for people with low credit scores who don't qualify for a conventional loan. Subprime financing can be offered through traditional mortgage lenders like banks, credit unions, or mortgage lenders. There are also specialized lenders who only deal with subprime mortgages.Predatory lenders charge high fees, write loans...more
If you have lived in your home for more than two years, it has probably appreciated which means that you have built up equity. What is home equity? Home equity is the difference between the value of your home and the amount of all that you owe on your home. If your home has an appraised value of $200,000 and all of the outstanding liens against it...more
You can still refinance with bad credit, but you will need to shop around. Each refinance application is looked at on an individual basis. So even if you have bad credit, other factors could qualify you for a low interest rate. However, if you don't apply, you will never know.Reasons To RefinanceIf you bought your home with good credit, you probably found reasonable rates. But you still may be able to lower your rates by refinancing. You can also lock in rates by converting to a fixed rate mortgage.You can also lower your payments by extending the terms of your loan. You may also choose to tap into your equity through a cash-out mortgage. You can use your equity to pay off bills while writing off the interest on your taxes.Qualifying For RefinancingJust because you have poor credit, doesn't mean you can't qualify for refinancing. You can still use a conventional lender even if you have missed a couple of payments. And if you have sufficient equity, most lenders will look at your application.The government also offers programs if you have made on time payments on your mortgage. With the FHA's streamlined mortgage and the VA's IRRL, as long as you are reducing your interest rates,...more
Debt consolidation mortgage loans can help you lower your interest rates and monthly payments. With reduced rates, you can also pay off your debt sooner. However, reducing your equity could subject you to private mortgage rates. You may also end up...more
The following cover letter sample gives an idea of what most job hunters should do when composing these. It consists of only a very few paragraphs, and is therefore short and easy to read. The reason for this sample being short is simply because...more
Saving money with lower rates isn't the only reason to refinance. Opting for a shorter loan can also save thousands in interest and free up income in the future. A short term loan can also help you pay down your principal quicker.Better RatesA 15...more
"Public Relations is really all about communications tactics and publicity." Sorry, no. Whether you are abusiness, non-profit, government agency or association manager, PR actually is all about a high-impact action plan which does something...more
You can access your home equity without the cost of refinancing with two financing options. A second mortgage will give you a lump sum check with a fixed or adjustable rate. A home equity line lets you tap into your equity when you want to. Both...more
Using a thank you letter after interview practice will make interview practice seem real. Adding this sense of realism will do nothing but help you when it comes time for a real interview. You'll be comfortable and at ease and ready to present a...more