When the problems are numerous, friends are few. These words are very apt when it comes to the situation of bad credit. Fulfilling your cash needs when having a bad credit history, it may be difficult to get the support you want. Getting external help will still suit you as the money is available without any hassle through bad credit loans. The borrowers who have a credit score which is lower than 580 in the FICO report may be suffering from this...more
Are you wondering what the future holds for your business? Whether you want to predict your future or prescribe an outcome of your choosing, you'll have plenty of company!Throughout history, we humans have tried many ways to predict the future, from reading palms to stargazing. Today, we refer to these as descriptive methods when we attempt to describe objectively what the future will be or could be.On the other hand, prescriptive methods focus...more
The mortgage crisis has had a negative impact on everyone, not just homeowners. Elected officials are working hard to pass legislation that is designed to prevent future banking debacles. Unfortunately, history has proven that when legislators over-regulate banks that it tightens the reins on lending. This is done by raising the bar on what it takes to qualify for a mortgage or installment loan. Predictably, it's the middle class that will feel the pinch more than anyone. Specifically, it's the middle-class, self employed small business owner that be injured the worst.Most people are aware that you can reduce your taxes by deducting expenses and qualified charitable contributions. What most people don't realize is that small business owners live and die by those deductions. Tax rates have risen on the self employed more than any other segment in our society. To counter these tax hikes, legislators created more "loop-holes" write off's and deductions for small business owners to use.For this reason, small business owners rely on creative CPA's to maximize their deductions in order to show less income and pay less taxes.There are nearly 23 million small businesses in America and over...more
The three most frequently used methods to resolve foreclosure are loan reinstatement, forbearance agreement, or loan modification. While there are numerous other specific ways to stop foreclosures, these three are used most frequently.1.) Loan reinstatement is where a lender has started the foreclosure process and the homeowner finds a way to pay...more
When a foreclosure is finished and the home is sold or assessed by an appraisal, for the loss on the mortgage, the deficit amount the bank will not get back from the mortgage balance and expenses due, is called a deficiency. In most states, the lender has an option to get a judgment in this amount against the borrower and this is called a...more
This article is a plea for something I call Creangelism, or creative evangelism. Let me explain.I speak at the coolest creativity conferences in the world.* It's incredible fun speaking and being with people who believe in the power of creativity and creative problem solving. Walking around the meetings I am empowered by the lack of judgment, the acceptance of ideas, the acceptance of me, and frankly, the love that I feel coming from everyone. When I return from these conferences re-entry into the real world is sometimes quite a shock.The real world is full of judgment, non-acceptance, ignorance, and downright cruelty. Creativity is a remote thought for the vast majority of people. Everyone is creative, but not everyone uses their creativity, in fact, it's an unopened treasure chest of the most useful resource we all have.The re-entries from creativity conferences to the "real" world got me thinking about who's interested in creativity and who's not. It got me thinking of who needs more creativity and who already has an ample amount. It got me thinking about who reads creativity and innovation books, who reads books about imagination, and who reads books about problem solving. It...more
I remember attending a meditation workshop with Mark Epstein, a well-known 'Buddhist psychologist.' He told a story about a meeting he had with Ram Dass, spiritual teacher and author, where Ram Dass had asked Mark Epstein about his work with his...more
You want more revenue and you want it fast. The marketing experts tell you to "create a compelling offer." You immediately think "Sale." You wonder how big the sale should be. How much can I afford to give away before the sale starts costing me...more
Many companies and their decision-makers require written proposals, and if you are like many sales people, you probably shudder at the thought of this request. However, writing a good proposal doesn't have to be painful providing you keep a few...more
In any business endeavor, a win-win outcome is always the most satisfying and productive. It certainly beats the alternatives - win-lose, lose-win, or (heaven forbid!) lose-lose - in which one or both parties walks away feeling an assortment of...more
I could make up a terrific story about this, but I won't lie - I had avoided (as in postponed, side-stepped, procrastinated) having a board of directors until now. Frankly, I had visions of having a group of old, cranky, humorless men telling me what...more
Have you ever been asked that question?I was! Back in 1979 while doing a "pressure cooker" course on selling with an insurance company!I wondered how relevant that question was, considering my personal and financial situation at the time.No wife! No...more