Falling victim to this #1 pitfall is the business, non-profit, government agency and association manager who fails to achieve the best that public relations has to offer. And that's because he or she is preoccupied with simple communications tactics like press releases, broadcast plugs, special events and brochures. So severe is the preoccupation with PR tactics that such a manager actually fails to do something really positive about the...more
Debt plagues millions of people all over the world. Debt can be a positive thing. For instance, if we never had any debt we would never be able to buy a house or a car. Debt is necessary in many cases, but for some people it can get out of hand. There are many free debt management services available to the public. Each service offers various advantages and perks unique only to their company. Here, several free debt management service...more
Sub-prime mortgages don't mean you have to pay excessively high interest rates to buy a home. By taking time to do some research and pick the right terms, you can save thousands on your mortgage. The following five tips will help you get low rates with the right subprime lender.Compare LendersThe number one way to lower your interest rates on your sub-prime mortgage is to compare lenders before you apply. It sounds so simple, but too many homebuyers skip this step, costing them thousands.Plan on taking at least a day to explore your options. The easiest way to look at financing packages is to request quotes online. While you are requesting quotes, take a look at conventional lenders as well. They often offer good rates and terms for those with adverse credit histories.Pick An ARMAdjustable rate mortgages (ARM) offer lower rates and are easier to qualify for than fixed rate mortgages. The drawback is that ARM rates can increase over the years. But if you are planning to move soon or just want to buy a home, then an ARM probably is your best choice.You can also convert your ARM when your credit score improves. As property prices increase and your equity builds, you will also be able...more
The interview follow up letter can make or break your chances of becoming hired. For that reason it should become an essential part of your job hunting tool box, right in there with the other tools you use: resume, cover letter, thank you note, reference sheet and salary history.Think of the letter as a second chance. Some people don't interview...more
Have you filed bankruptcy since you bought your home? Are you now looking to take advantage of lower interest rates by refinancing your home? You will probably soon realize how much more difficult it is to finance or refinance a home after a recent bankruptcy. It is not impossible though. There are many companies online that will help you refinance...more
Using a job acceptance letter when offered a position shows true professionalism. It is a way of saying "thank you" to the person who hired you, and giving them assurance that they made the right decision. You have presented yourself to them as a professional with your resume, cover letter, reference sheet, salary history, letters of recommendation, follow up note, and any other personal marketing materials you've used while job hunting. You went out of your way to make sure that the interview went well, and probably did your homework on the company before going in for that first interview. Now using a job acceptance letter will be a capstone on all your work, and perfect the positive professional image you've tried to convey throughout the job search and hiring process.Of course, if you've never written one before you may have questions as to what it should contain and how it should look. Here are the basics: it should be on the same paper your resume and cover letter were on, preferably a light gray or ivory linen, laid, or parchment paper or one of the new sandstone papers. It should have a letterhead that matches the other personal marketing materials you've used. It...more
Debt settlement and debt consolidation both offer ways of reducing your debt. Debt settlement eliminates part of your loans, while debt consolidation reduces interest rates. Even though debt consolidation has the least impact on your credit score,...more
There are gems and there are duds of any business. This is true of debt management programs as well. Your money is very important to you, so you should choose a program that has the best reputation for success. Reviewing the number one debt...more
Refinanced mortgages have a couple of different rules when it comes to closing. For one, there is a mandatory rescission clause for primary residence mortgages that allows you annul your loan. You can also choose to close at anytime, which is...more
You can lower credit card debt through a variety of options. Consolidating your debt into one loan can help lower interest rates and monthly payments. If you need additional help, you can use a debt management or debt negotiation company. Both offer...more
Low interest debt consolidation loans can help you pay off your debt sooner. For the lowest rates use your home equity to secure a loan. You can also find personal loans that will reduce your interest payments. Otherwise, transfer your credit balance...more
How to write a thank you letter to use after an interview, a phone interview, or even to someone who passed your name on to a hiring manager is an art that is not taught as often as it should be by placement services and others who help job seekers...more