Americans' personal debt reached $2.6 trillion earlier this year, and the men and women of the nation's armed forces have felt their share of financial pain. However, a nearly 70-year-old law is helping to ease the debt burden for those called to actively serve their country. Financial protections for service members exist in the form of the Servicemembers' Civil Relief Act (SCRA). Under the law, called the Soldiers and Sailors Civil Relief Act...more
Did you know that in a brief survey I've found that 9 out of 10 landlords do not properly screen their new tenants? Granted, the term "properly" is somewhat arbitrary. Here's how I define a proper tenant screen. First and foremost it's absolutely vital you know the criminal history of your new tenants. Do you want the liability of renting to a convicted felon in your property? A proper background screen will give you address history for your new...more
When you're looking at a property to buy make sure you've done your homework. And the key homework to do is to arrange a mortgage.Know your budget. You need to list accurately your incomes and outgoings. Keep a record of what you spend and on what for a few months to really get to know where your money goes. The idea of guessing your outgoings and incomes could get you in trouble in the near future if you then get a mortgage, the rates go up and you don't have enough of a safety cushion to cover the extra costs. Or your newly bought house has unexpected outgoings and it's you paying for the costs and not the landlord. You need to have enough money for the mortgage and "the extras". Remember property has ongoing costs such as interior and exterior maintenance through general wear and tear, garden maintenance and the dreaded unexpected problem.Check how much you have saved for a deposit. Despite all the doom and gloom in the media some mortgage providers now offer mortgages where a 10% deposit is needed. HSBC has recently announced that they will making £1bn available to housebuyers with deposits of 10% at a two-year fixed rate of 4.99%. Other 10% deposit deals offer a rate of...more
Property estate agents are selling only one property per week. There has been a tremendous dip in the number of homes that have changed hands. The property estate sales have dipped to almost 12.7 sales in three months. Now these figures are alarming. But with the global recession what can you expect? The estate agents are blaming the lack of...more
Death is inevitable; but you can prevent its impact on your real estate properties. Your death will be an enormous loss to your family, but you don't have to make it worse for them by making them go through a lengthy process of a probate estate.An Impending Double Tragedy We toil hard everyday to save for our loved ones and family. We do this...more
Whether you're starting a new business, or your business has been around for years, getting back to the basics will help you pinpoint areas you have overlooked in the past, and help you build a stronger business for the future. The four keys to your business success are:MindsetFocusEducationActionIn this series of four articles, we'll explore each area see how it fits into your business.MindsetThe way you think, directly affects the results you get from your business. If you look at your business as a hobby, you will make a hobby income. If you treat your business as the professional entity that it is, your income will match your expectations. Although it may seem like psycho-babble, the way you think and view your business has a huge effect on whether you can actually buy your shiny yellow Corvette, or whether you can only afford the gas.Here's your new mindset: You are the President and CEO of your own company. It doesn't matter if you are the only person in your company, and your company consists of a 10-year-old computer sitting in the dusty corner of your bedroom. No one cares about your company except you. Your customers only care what your company can provide for them.Next,...more
The Administrative Professionals Week is observed annually during the last full week of April, from Sunday through Saturday. For 2009, Administrative Professional Week is from April 19 - 25. The Administrative Professionals Day is on the Wednesday of...more
The delights of buying property in North Cyprus used to be a well-kept secret - but not any more! The winning combination of 300 days per year of sunshine, golden sandy beaches, dramatic mountains and prices around a third cheaper than in south...more
Dubai has made its mark in the Real Estate Market as well as the tourism industry today. The world is going towards globalization and if you also believe in globalization then Dubai is the best place in the world or investment. If you have made...more
It is not usually easy to find timely financial assistance when you need one. Maybe the car has suddenly developed a critical mechanical problem or your loved one has been admitted to the hospital and you don't have immediate cash to bail yourself...more
This article is an insiders look at Reverse Funnel System, Ty Coughlin, and the ,The Inner Circle, and what the hype is all about. We are going to pull back the proverbial curtains and take a look at the inner workings of the Reverse Funnel System,...more
Are worried about an urgent expense that is bothering you? Can not solve this small financial problem just because you don't have sufficient funds to sort it? Well nothing to worry about any small credit crunch can now be easily fixed up with the...more