If you're like many small business owners, you log at least 50 -- possibly closer to 60 or 70 -- hours a week in the harness. You may put in a few late nights each week... spend some hours on Saturday (perhaps even Sunday) wrapping up details...tend to start vacations a day late and return a day early...slip away from the family in the evening to handle a few "just gotta get to" papers, bids, plans, etc. In the constant battle to keep your...more
It's easy to get the right answer from your customers - just ask the right question!Elmer Wheeler was a marketing genius of the 1930s. Of course you've heard the expression: "Sell the sizzle not the steak." You may think that's so proverbial that nobody knows who said it first. Not so - Elmer Wheeler coined that phrase more than 70 years ago.He coined many phrases, by way of marketing rules, and they made billions of dollars for...more
If interest rates have dropped by a percentage point or more since you got your first mortgage, refinancing could save you big bucks. And if you have enough equity so that your new mortgage is for less than 80% of your home's value, you'll be able to stop paying Private Mortgage Insurance (PMI), which will save you even more.Mortgage refinancing could also result in lower monthly payments, depending on factors such as: if any 'points' are paid to lower the interest rate on the new mortgage; how much cash is taken out at the time of refinancing; the duration of the new mortgage and whether the new mortgage is a fixed-rate, adjustable-rate or variable-rate loan."A vast majority of people close their loans, make their payments and don't worry about it again," says Bob Cannon of BancMortgage Financial Corp. "They don't refinance when they should be looking at it."Even if you have bad credit and have to pay somewhat higher interest rates, mortgage refinancing will still cost less than other forms of borrowing because the loan is secured by your home. And if you use the money wisely, you can get out of credit trouble and raise your FICO score. This will...more
Lower Your Taxes on the PhoneDisturbed by how much you pay in taxes?When trying to reduce their taxes, most people focus on their federal and state taxes.While that is a good idea, there is another way to stop paying many taxes- a way that has nothing to do with the IRS or April 15.Have you ever considered all the taxes you're forced to pay on...more
While most people are accustomed to shopping for homes between Memorial Day and Labor day, that may actually be the worst time of the year to buy a house. The best time of year to go house hunting may be the dead of winter, rather than the summertime.Most houses are bought and sold in the summer for a good reason. That's when children are out...more
Not too many people know this, but there are over 900 different Chase credit cards for consumers to choose from! Yes, the number you read is correct. With most of these cards being "affinity" cards, meaning having direct tie-ins with a store, or with an auto manufacturer, you name it the choices for consumers are bountiful. A little overwhelming too, don't you think? To cut to the chase, pun intended, there are three Chase credit cards that stand above the rest. Let's take a closer look at each one and what each has to offer to you.Chase Platinum for the Ultimate Credit CardChase Platinum - As the name suggests, this is the one of the most popular cards offered by Chase. It also is the most power packed one at that! Available to you as the Chase Platinum MasterCard or as the Chase Platinum VISA card, this card really delivers: 0% APR for the first 12 months; no annual fee; a fixed low rate after the introductory period ends; and lots of nifty benefits. You get travel accident insurance coverage, lost luggage insurance, purchase assurance, and extended warranties on many of your purchases. Practical and smart coverage for the traveling consumer!Put Some Money in Your...more
Choosing the right executive office suite can be the solution you are looking for when your home office no longer supports your business's success. The benefits of a home office may soon be over shadowed by staff growth or the need to branch out...more
Applying for a grant used to be a difficult and tedious process. The applications were long and often difficult to obtain. Even worse, loans used to be difficult to locate. Unless you were extremely familiar with government loan programs, in all...more
Are you shopping for a new home? Maybe you're not sure where to look or who to contact about financing options. One of the first places you may want to check is the online Internet site, Mortgage Mall (www.mortgagemall.com.au). One of the...more
In recent years property values have soared, while investment returns have been modest. This has created a situation where a lot of seniors are finding themselves in the position of being house rich and cash poor. These cash strapped seniors are...more
Handset is another term that means different things to different people. Handset is used to describe the receiver on a phone, an entire phone or a cell phone. It is sometimes mistakenly used instead of the word headset. For the purposes of this...more
A reverse mortgage can be an attractive option for many home-owning seniors that are having a hard time making ends meet. With a reverse mortgage, a senior homeowner will receive money for their home equity from a lender without having to make...more