How you handle questions from an audience can often be thedeciding factor as to how your presentation is received. Ifyou're pitching for business, then it's absolutely vital tohandle questions well. 1. Be prepared for questions - When you write yourpresentation, think about what you're likely to be asked andwhat your answer is going to be. Maybe you won't want toanswer a particular question there and then, so think aboutwhat...more
Homeowner loans are loans that are given to borrowers who own a house. Homeowner loans are secured loans for which the borrower has to offer his house as collateral. If you avail a homeowner loan against your house which is already mortgaged, then the homeowner loan becomes a second mortgage loan. In such a situation, you can avail a homeowner loan only to the extent of your home equity. Home equity is the value of your house subtracted by the...more
In this modern economy, lenders provide loans tailored to just about any situation. Balloon loans are one such loan, but carry a serious downside if you're not careful. Balloon LoansA balloon loan has nothing to do with hot air or floating around the world in 80 days. Fail to plan very carefully when using one of these loans, however, and your financial world will definitely go down in flame like the Hindenburg. A balloon loan is a mortgage with a fixed interest rate for a set period of years. Unlike traditional fixed rate home loans, the interest rates on balloon loans are nearly as low as those found on adjustable rate mortgages. The problem with balloon loans, however, is the term.While balloon loans provide a low fixed interest rate for a set period of years, those years are not in abundance. Instead of a fifteen or thirty year repayment term, a balloon loan typically has a term of seven to ten years, depending upon what the lender was willing to give you. At the end of the term, you must repay the balloon loan in full. Yes, in full. Let's take a look at how this can play out. In 2005, you find a home you love but can't qualify for a loan. You are so engrossed...more
Using a mortgage broker to shop for home loans can make the borrowing process a lot less stressful than doing it yourself. Here are the nuts and bolts on getting a good broker.Competent Mortgage BrokersThere are a couple of obvious situations where going with a mortgage broker makes perfect sense. If you have less than perfect credit, a mortgage...more
You can buy a Government home for you to live in, or simply to rehab and sell for a fast profit. These foreclosures are offered to the general public through real estate agents that specialize in the sales of government homes.HUD and the Veterans Administration (VA) foreclosure listings dominate the Government foreclosure market. Lending...more
A common mistake for almost all new work at home / home business beginners is the trap of trying to be all things to all people. They will take any job, even if it not what they set out to do, simply because the job pays money.It's tough to focus, we know!We know how tough it is to stick to just one thing in your new home business because here at FunCareers.com we "eat our own dog food". Everyone works from home and knows the successes and difficulties you face and one of the things we have learned for ourselves is that you must focus on just *one* thing to be successful.In the modern world, specialization is the key to success. If you were chosing a brain surgeon to operate on you I am sure you'd prefer one that only does brain surgery and nothing else! The same applies to your business.If you do just one thing.For example, if you are offering a lawn care service then specialize in that. It's all too easy to offer tree trimming, fences, design and many other landscaping services as well. If you're going to offer general landscaping and maintenance then do that. If you're going to do "lawn care" then learn all about grasses and how to manage and care for...more
The statistics show that more and more students are graduating from university with significant debt. The debt levels are growing year on year and many students will be paying them off for years after they graduate. It seems that the consumer...more
When applying for a home loan, it can be difficult to ascertain your options and the best deal out there. Mortgage brokers can help you shop for the best loan for your situation. Mortgage BrokersA mortgage broker is an independent professional...more
There has been a lot written about "flipping" real estate these last two years - and much of it is more fiction than fact. Some say it is great way to make money fast. Some say it is very difficult. Some even claim it is illegal. So, just what is the...more
Coaching is perhaps the most effective method of increasing performance available to managers, team leaders, and colleagues. This article defines coaching and outlines a process for effective coaching.Coaching DefinedCoaching is perhaps the most...more
One of the biggest problems for many business owners is the ability to overcome objections. In fact, for many, this skill could be the difference between succeeding and going back to being an employee. Since none of us want to do that, we need to...more
Finding the right online payday loan lender is important. You do not want to deal with unscrupulous or fake loan companies. The first thing you will look for is a website that has been professionally designed and organized. Ideally, there is no...more