Undoubtedly, you've heard the radio commercial claiming you can get a mortgage despite having bad credit. Bad credit mortgages are better known as subprime mortgages. Subprime"Subprime" is a euphemism for a borrower who simply doesn't qualify for a traditional home mortgage. Subprime loans used to be very difficult to get, but things changed in the 1990's. Banks began to realize there were a lot of borrowers with less than stellar credit or...more
A strategic position statement is kind of like a statementfor your company. You want to explain this statement howyou view your company and how you view it within the restof your marketplace.Circuit City is a good example. It's an electronicdepartment store that is making excellent profit marginswhile their competition is going out of business. They'vetaken a unique strategic position, being number one inservice and taken that all the way down to...more
These days, it's hard to listen to the financial or economic news for long without hearing something about pensions. These news stories usually give us some bad news about the pensions shortfalls in the gaping holes in pension funds. The chancellor Gordon Brown has recently gone on record suggesting that he is in favour of increasing the working age, and the debates about whether to link state pensions to earnings or inflation rages on. The bottom line is that people are spending too much, and saving too little for the future. It can be seen in all aspects of life, from consumer debt levels to corporate pension provisions to government statements about the future funding of pensions. Save nowIf you want a prosperous retirement, it looks like to only way to guarantee it, is to save the money yourself and provide for your own pension. The amount you receive during retirement is all down to you and the basic principle is that the more you save now, and the sooner you start saving in life, the better off you will be in old age. No one wants to spend their whole life working hard, just to end up struggling in their old age with an inadequate pension. This is the time that many people...more
One of the greatest things to happen to the world of travel in recent years is the advent of low cost airlines. Not only do they offer flight travel that is cheaper than any previous airlines by far, but they also offer some other great innovations in booking and paying for flights. Part of the growth in popularity of these airlines is that they...more
If you are a loan officer or mortgage broker looking to purchase mortgage loan leads, you may be considering what type of mortgage loan lead to purchase, and which company to purchase them from.There are a few different types of leads to choose from and literally hundreds of lead companies to buy them from.A few different types of the mortgage loan...more
A former colleague at a major stock brokerage firm always confused "fiscal" with "physical". On June 30th, he would talk about the close of the "physical year". Just a mental block for an intelligent man. Fiscal year-end differs for corporations with most ending June 30th while others use December 31st. Fiscal is fancy jargon for "show me the money".Measurements connotes appearances men notice. Year-end fiscal measurements get the attention of both genders. A friend reminds me, "You cannot track what you do not measure". Many market watchers measure the stock markets performance by tracking the Dow Jones Industrial Average. So, just what is the Dow Jones Industrial Average?The Dow Jones Industrial AverageWhen Charles Dow, a journalist, devised his index for securities, most investors were bond buyers. Bonds provided predictable ownership with specific interest payment (coupon) and a promised return of your money (principle) on a specific date (maturity). Only a few investors wanted stocks; for most, stocks were too risky.Think you have trouble following stock prices? In 1884, investors read charts with prices up 1/4 point, down 1/8th point. All seemed rather perplexing (frankly, it...more
Or is the customer always right? That's what you've always beentold. If you're in business, you know how ridiculous thatstatement is. The customer isn't always right, the customer isoften wrong. Worse yet, you know it, he knows it, and he knowsyou...more
"Any intelligent fool can make things bigger, more complex. It takes a touch of genius and a lot of courage to move in the opposite direction." E. F. Schumacher, 20th century German economist and conservationistThe evidence is clear and...more
Finding mortgage loan offers in the UK is not difficult. From newspaper advertisements to surfing the Internet, mortgage loans sporting low interest rates and additional benefits to entice borrowers to sign up are literally everywhere. But, when a...more
APIMage is now hiring effective sales people all over the world to invite prospects to a presentation and close sales utilizing its 10K A Week Wealth Creation System released by "Make Money Or Make Excuses" creator and CEO of Mentors On A Mission, Al...more
"Do every day or two something for no other reason than that you would rather not do it, so that when the hour of dire need draws nigh, it may find you not unnerved and untrained to stand the test." William James, HabitGood and bad habits are tiny...more
This article is an overview of the risks, scams, and extraordinary profits that can be experienced by HYIP investors. High Yield Investment Programs: Risks, Scams, and ProfitsIf you are an investor looking to truly double your money, you might want...more