With so many different types of mortgage available, it's difficult to determine the right one for you. Before you start looking at available mortgages, however, it's important to first evaluate your finances, as your financial situation is an important factor that will dictate the type of loan you need, and how much you can afford to borrow.Step One: Evaluating Your FinancesBefore you even think about the type of mortgage you should obtain, it's...more
Success is more than economic gains, titles, and degrees. Planning for success is about mapping out all the aspects of your life. Similar to a map, you need to define the following details: origin, destination, vehicle, backpack, landmarks, and route.Origin: Who you areA map has a starting point. Your origin is who you are right now. Most people when asked to introduce themselves would say, "Hi, I'm Jean and I am a 17-year old, senior highschool...more
There are always going to be differences within an organisation to just about anything related to the workplace. People will object to their work schedules, job assignments, goals, supervisor instructions, and team positions. They will also come into conflict with fellow workers or bring conflict into the workplace that really started at home due to family problems.Of course, there is a difference between true conflict and a difference of opinion objection. A difference comes about when a person disapproves of an action, statement, or behaviour but is usually willing to seek resolution. A conflict is opposition that borders on irreconcilability without intervention. The difference can seem unimportant though when a manager, supervisor, or team leader is trying to overcome differences of opinion or what seem to be irreconcilable conflict between staff members.Reacting to the ReactionThe first step in dealing with differences is to admit they will occur wherever people are found and that overreacting is a sure formula for escalating the issue. Reacting too quickly or too negatively to such a difference usually serves to make the objector defend their position more vehemently simply...more
The publishing world is going through a very big change right now. Sadly, most book publishers are choosing to watch the wave from the comforts of the beach rather than getting out there and fighting for a position on the wave. Now is the time for you to get in position, because the wave is coming.Here are just a few signs that the wave is coming:-...more
You find a foreclosed home in your area.What next?There is a sign on the property. Should you call the listing office? Pricing on a foreclosure/REO/ bank-owned property needs to be right.At this stage, you need to find a local realtor who knows the market. The realtor will show you comparable sales to justify your asking price.Never get represented...more
Every so often we read that governments are going to crack down on tax havens and offshore bank accounts. The latest threats to do this have come in the wake of the financial crisis and economic recession that began in 2008.However, attacking offshore tax havens is not new. And it would appear that such attacks by various politicians rarely amount to more than window dressing to placate the masses and an attempt to divert blame for any economic woes from themselves.Before answering the second question posed in the title of this article, it would be a good idea to clarify exactly what a tax haven is.A tax haven is a country which has little or no income tax. Some tax havens have zero income taxes, while others may have very low taxes - or only tax local income not worldwide income.To give a few examples: If you live in Hong Kong you will be taxed at a flat rate of 17% on your income. On the other hand, if you live in New Zealand you will be taxed on a sliding scale all the way up to 38%. Obviously if you lived and worked in Hong Kong, then you'd be keeping a lot more of your own money.Another issue is whether a country taxes domestic income only or worldwide income. Most countries...more
All salespeople feel it, but no one wants to talk about it: the fear of cold calling. As a sales and business coach, I've often heard the following comments from salespeople I have coached: "I feel like I'm bothering people by calling them.""I think...more
Speedy Credit Repair SolutionsHave you been through a rough patch? Has your credit suffered and your scores fallen to sub-prime levels? You do not have to wait seven years to see your credit scores improve. There are many credit repair strategies you...more
We live in a quick-fix society so it's no wonder that many salespeople look for the magic cure or band-aid solution to increase their sales. However, I believe that success in sales follows a basic set of rules.Fill the pipeline. Many people...more
When you work from home, especially if you work online, you can become disctracted. In this article I will give you 3 tips to help you stay organized, so you can get things done quickly and efficiently. Read on...Benefits - There are many advantages...more
Of all the things we dream of when we are up to our necks in the frenzied pace of a career, the one that's most consistently a high priority is the chance to slow down. To stop running around like a chicken on speed trying to get fifty things done at...more
The word "solopreneur" is a relatively new term in the English language but as you likely already know, it describes a business owner who works alone. I have found that term to be useful in the collective conscious, but it's really a misnomer....more