If you own a lawn or landscape company, you will eventually lose some customers. Most customers will not even tell you why they are letting you go. At many times this will come as a surprise to you.This can create a bad image of you and your company in the customer's eyes.And believe me, they have the potential to let many people know.In my opinion, it can be most damaging when you are maintaining many properties on one street or area. Some of...more
Many people who have filed bankruptcy in the past apply for credit the wrong way.They fill out a credit application and hope for the best. Best case, they probably end up paying a lot more in interest and finance charges - hundreds or even thousands of dollars more, depending on what they're buying.That said, in this article we are going to talk about the RIGHT way to apply for credit and loans. So what is it? Well there are three steps:1) Learn...more
Why the fractional vacation industry is boomingÂ…1.) Demographics - 78 million US Baby Boomers that will retire in the next 15 years (the largest population turned 50 in 2004-05, with 50th birthdays occurring every 7 seconds). The under told statistic is that there will be 103 million Empty Nesters in Europe by 2009 and Japan will have 32 million boomers by 2010, in a total population of only 127 million people. 213 million Boomers will compete for a uniquely similar lifestyle in retirement.2.) Boomers Like Debt - Unlike the previous generation, Boomers have proven that they are willing to pay, and borrow for the lifestyle they want. The boomer generation has innovated everything from disposable diapers to SUV's, they will innovate the idea of retirement homes. 3.) The Wealth Transfer - Not everyone is going to get rich. Boomers are estimated to get the biggest slice of the inheritance pie: $17.8 trillion. Distributed evenly, each of the 78 million US boomers get $228,205. But these inheritance dollars will not be distributed evenly. The 73.5% of the boomer cohort will likely join the wealthier classes. Within the next 15 years, 20.7 million boomers will become over $658,000...more
Real estate broker deals with all transactions of real estate business. A real estate agent finds sellers for buyers and buyers for the sellers of real estate. Real estate brokers provide every kind of help to sellers as well as buyers. Real estate agent can be a person as well as a firm that helps you in selling/buying real estate. Real estate...more
Business brokers or business transfer agents are helpful in selling your business at higher prices. A business broker provides buyers as well as sellers for different businesses. You can easily sell or buy a running business with the help of best business brokers. Business broker works like a real estate agent. Business brokers find buyers for you...more
Home buying is one of the most important decisions an individual or a couple can make. It is quite possibly the largest purchase an individual or family will ever make, thus, it is important to approach the funding of the purchase with great caution. Determining the type of mortgage that is right for you can be tricky. It starts with the basic knowledge of the different types of loans out there, including FHA Loans, VA Loans, Rural Housing Loans, and many other types of loans.Two very important and frequently used types of loans are FHA Loans and VA Loans. FHA loans are considered a government mortgage and are insured by the Federal Housing Administration. These loans mandate that the buyer put at least three percent of the sales price down as a down payment. VA loans are reserved to those individuals who have met specific time requirements in the military. There is typically on down payment and loans may equate 100 percent of the value of the property. Rural Housing Loans are also an option for families and persons living in small towns and rural areas and have low to moderate incomes. There is one hundred percent financing with a thirty year term. In addition to the Rural Housing...more
One of the questions we get asked a lot is, I know the limit that the IRS puts on my 401k contributions for the year is $14000 (for a person under 50) (2005) but is this the limit I can get from one employer or is it the total amount I can get from...more
Real estate training is essential for the people who want to become a successful real estate broker. It helps them to learn all about real estate business. Real estate business requires some time, some basic knowledge of the business and skill to...more
The transitional period of returning to work after a prolonged period of sickness absence can be daunting for the employee AND their line manager - especially where the ill health revolved around a 'stress at work' issue. Coming to terms with changes...more
Generally, there are many who take their credit report for granted. However, a good credit rating is very essential tool for leading economically successful life. Credit reports allow for many things like credit cards, car rentals, hassle free loans...more
We live in a world of constant change, and even though the vast majority of these changes are for the better, change is still something that many people - and therefore many organisations - can find extremely difficult to deal with. Why is this, and...more
According to the Institute of Psychiatry (April 2005), for the first time, stress, anxiety and depression have overtaken physical ailments as the most common cause of long-term absence from work. With sickness absence reportedly costing employers an...more