For many Americans debt is an overwhelming problem, a stressor that can quickly take hold of one's life. When there are bills attached to house, boat, automobiles, college tuition, and daycare, it's not hard to imagine that many folks can quickly be swept under the current of spending which can unexpectedly whirl into deep debt. On top of necessary expenses, many consumers dig their debt rut even deeper when they rely on credit cards to pay for...more
Working at home is very popular. As with anything that is popular there are people out there who like to try to scam those looking for work at home jobs. Scams can sometimes be hard to recognize, but if a person knows what to look for they can raise their chances of not being caught in a work at home scam. A popular way to get taken by a scam work at home company is when they ask a person to pay them money. The first key that a work at home...more
Since the dawn of free trading only two things have ever mattered; producing a quality product or service and the ability to sell it successfully. By successfully, I mean ensuring that you achieve maximum profit from the sale, while the customer is delighted with their purchase. In most cases the Business owner understands what they need to produce, but more often that not rely on someone with sales skills to sell it. Would you know a good sales person from a bad one? While many company founders realize that they may not have the requisite sales skills, would they be able to recognize and hire someone who could sell? It is a recognised fact that four times as many business fail due to poor salesmanship, rather than poor products. Can you afford an other Sales person, based on the margins of what you intend to sell?Thus hiring the right people to sell for you is one of the most important decisions most companies will make. Unfortunately hiring is a bit like selling. First you must find prospects. These are the candidates that you will interview. To do this you must create a job spec. This will be your advert. How to create a sales job specification. Like marketing, this step must...more
As if the problems of tenancies were not enough that loan providers too have started treating tenants in a step motherly fashion. Such is the indifference of loan providers that it appears as though loan opportunities are all shut for the tenants. Since they do not have a home of their own, tenants are often eyed with suspicion. What if the tenant...more
When somebody has done something good, it is right to provide him or her some rewards. For all the hardships and continuous service to the community, a worker is entitled to all the required benefits in exchange for all the services that he or she has done.It is for this reason that retirement benefits are extremely important. It is solely the best...more
A "Lo Doc" or sometimes call "Lo Doc Home loan" are mortgage or home loans where documentation for verification of your income is not required. However, all other documentation is. These loans are ideally suited to self-employed, independent contractors, investors, credit rating impaired, ex-bankrupt or clients with arrears on current mortgages and borrowers who have been rejected by traditional lenders. Including people with suitable incomes but to meet bank verification takes valuable times and money. Low Doc Home Loans (Low Document) are usually slightly more expensive than traditional loans due to the higher risk profile. This is primarily for people who are looking to purchase investment properties, residential or refinance existing housing property and don't have PAYG or current taxation returns confirming their income, which normally sustains a standard investment loan.There are 3 main types of Low Doc or No Document Loans.No Ratio LoansThese loans are for lenders who may not wish to disclose their incomes, Thus there is no debt to income ratios for the lender to consider. Good credit and abundant assets the No Ratio borrower has makes up for the lender not considering the...more
As clients meet with me to discuss leadership, inevitably the conversation turns to decision-making. Making decisions is one of the most taxing job responsibilities that leaders have. In my experience, leaders suffer more than they should because...more
Is your business missing out on valuable tax deductions you can take for the use of your personal vehicle for business purposes?If you haven't done so already, you should definitely beat a path to the door of your local office supply store and pick...more
HUD reverse mortgages can be a great tool for Seniors that are looking for additional funds for retirement. Through a HUD reverse mortgage, seniors can tap into the equity from their homes without having to make repayments.HUD Reverse Mortgage...more
Credit Cards For Anybody?Credit Cards are widespread all over the US as well as worldwide and are accepted Internationally as a very convenient mean of payment either in person at stores, via the phone and the Internet or on signed forms via the...more
Value Investing refers to a philosophy or practice of buying stocks that are fundamentally sound, but the stock price is below its obvious value. There are various indicators that Value Investors use to determine that a company is both sound and the...more
If you're young and just starting out credit cards are certainly convenient and can help you establish a good credit history, which will be important when you need to make major purchases down the road. However, carrying a credit card comes with big...more