There was a time when prepaid plans were marketed mostly to people with poor or bad credit. Now, prepaid plans are being marketed as a great alternative to unlimited plans. Here are a few things to consider before you sign up for your prepaid. What is prepaid?Prepaid usually involves buying a block of minutes via online systems or replaceable cards, and you can use these minutes until they run out. Once you are out of minutes, you make another...more
The Secondary Mortgage Market is responsible for the setting many of the rules and common practices that determines who gets a home loan. The secondary market includes Fannie Mae (Federal National Mortgage Association or FNMA), Freddie Mac (Federal Home Loan Corporation or FHLMC), Ginnie Mae (Government National Mortgage Association or GNMA) and a variety of other investment oriented institutions.These institutions set the standards because they...more
There are hundreds of sources for home loans online and right in your neighborhood. Banks, Credit Unions, Mortgage Bankers, Government Agencies and Private Sellers all offer different sources of financing for anyone shopping for a mortgage.Neighborhood BanksOne of the best resources for getting a home loan is your neighborhood bank. Depending on the length of your relationship with the bank and the amount you have in you checking or savings account, you might be sent out letters and emails inviting you to apply for a loan. If you are generally satisfied with the quality of the service that you receive form your bank and they are offering a great interest rate, don't walk away. Even if the offer is not quite what you're looking for, walk into the nearest branch, and ask to speak to a loan manager. Once you are there, make your case in person for why you would like a certain loan or feel that you deserve a better interest rate. Most banks, especially the ones in larger cities, are part of a larger conglomerate or depend on a large conglomerate to finance items such as a home loan. Go through the process with the loan officer, but don't be surprised if you...more
There are many items that you can purchase to increase your cell phone use and satisfaction. Here is a short list of the must-haves with a few recommendations on where to find many more accessories for sale.Usually, an earpiece or headset, long lasting batteries and a car charger are provided at a discount when you purchase your phone. If you plan...more
There are many offers for family cell phone plans on the web. To get the best deals, here are some guidelines: Get enough anytime minutes Keep track of your usage Be aware of the costs for extras like text messaging and internet access Have a family policy on whether or not your will these extra services Avoid roaming charges and... Monitor your...more
You can find a long list of free cell phone offers on the web by doing some online research. A few of minutes of research can help you save time and money. These free cell phone offers are a great way to: Get more phone on a budget. Upgrade your phone and get a better brand Add more features and capabilities Put the extra money saved towards your monthly plan. Keep the extra cash and don't spend it at all Get a flip phone with better voice qualityBest of all, these free offers are a win-win for you and the cell phone companies. You get an awesome phone, and they'll get a customer for another year or two. So, with all the offers on the web, one has to wonder:Are they really free? Yes, but, only if you sign up for a new plan when you purchase your phone.Here's our quick guide to getting the best free cell phone deals online.Select your featuresWrite down a list of the top 5 features that you need in a cell phone. If you plan to use it as your primary phone increase your list to 10 features that you need. Include everything from background color, text messaging capabilities, phone size, brand, internet ready and other features. Size mattersAny cell phone...more
Here to stay and firmly established in the U.S. mortgage market, biweekly mortgage payments are gaining momentum. First introduced into the U.S. in the early 1980's by several small Northeastern Banks, the idea of biweekly mortgages has its...more
Above all, you need to know that the right PR can alter individual perception and lead to changed behaviors. Especially when you create external stakeholder behavior change, the kind that leads directly to achieving your managerial objectives. And...more
"Hey, I didn't know you were a writer, I thought you were a Virtual Assistant." No matter how many times I hear this comment it still surprises me. I learned early on that writing was one of the most lucrative services that I could offer in my...more
Over recent years, personal loans have become a popular solution for many consumers looking to raise finance for a variety of purposes. You can get personal loans for all sorts of things, from debt consolidation to holidays, cars and other purchases....more
Time is money, and right now you don't have either the time or the money to answer the call of the shopping mall at Christmas. The only way you can show your friends love, peace on earth, goodwill towards men is by shopping at Macy's, so...more
The old adages: "It's not what you know, but who you know" and "High Tech, High Touch" could be the mottos of knowledge workers in the 21st Century.Never before in the history of the world has both networking and interpersonal communication been...more