The yield curve refers to the interest rates on bonds of varying maturity. Normally, we expect the yield on bonds with longer maturities to have a higher yield than those of shorter maturity bonds. Because it is less of a burden to tie up one's money for three months or a year, rather than five years or ten years, investors must be given an incentive to place their funds in bonds of longer maturity. This incentive takes the form of a higher...more
Creating abundance is probably the hottest topic across the internet. Whether you're looking to start a business from your home computer or trying to payoff your mortgage in time to retire with comfort, everyone seems interested in how to get more money. There are personal growth and spiritual growth lessons involved in creating wealth that have been oversimplified. Most people have issues around money that cause them to block themselves from...more
Women managers, women business owners and other business women must sometimes contend with unenlightened behavior and attitudes from male colleagues. You can either choose to get your dander up each time, which induces stress and health issues that hurt you (not the guy) or figure out how to deal effectively with it.Business Communication That ExcludesWomen in business sometimes find themselves in the situation where the conversation turns to subjects that exclude her, such as sports, hunting, etc. Now, while not all business women will feel excluded from some or any of these subjects, there are certainly times when they do get excluded in male-dominated conversations. What choices do you have in these situations? Clearly, it depends on the situation. If you are traveling with colleagues and they get into a big conversation about Tiger Woods and you couldn't care less, fine, zone out and re-enter the conversation when it's more interesting to you. However, if the conversation is taking place over dinner at a restaurant with clients and you want to be sure that the clients bond with you as well, you will need to make different choices. For one, ask your golf-loving colleagues to...more
Finding a rent-to-own house is one of the many ways someone with bad or no credit can buy a house. You will often find them called names like lease/options, lease with option to buy, lease purchase, lease 2 purchase, rent with option to buy, rent to own, or rent to buy homes.There are a few differences between rent-to-own and lease-option...more
You never thought that your home can be worth anything except for living purposes. Yes, a real estate broker would have offered a large sum on this house. But you never planned to sell the house because of an emotional attachment with it.One of the prime customer bases for home equity loan crops from this kind of people. These are people who have...more
Subprime lenders offer financing for people with low credit scores who don't qualify for a conventional loan. Subprime financing can be offered through traditional mortgage lenders like banks, credit unions, or mortgage lenders. There are also specialized lenders who only deal with subprime mortgages.Predatory lenders charge high fees, write loans in vague terms, and structure payments so they can foreclose on property. Predatory lenders take advantage of people who do not know their rights in the lending process.Signs Of A Good Subprime LenderGood subprime lenders only charge slightly higher rates than conventional lenders. They will also fully disclose their rates and terms so you can make an informed choice. Good lenders follow all the same practices as a conventional lender - charging reasonable fees, answering all your questions, and making reasonable terms on prepayment.Signs Of A Predatory LenderAvoid lenders who charge high closing costs, excessive late fees, or large prepayment penalties. Such lenders are more interested in making large amounts of money than offering a service. Also watch out for lenders who try to lend more than your home's value, forged documents, or...more
If you have lived in your home for more than two years, it has probably appreciated which means that you have built up equity. What is home equity? Home equity is the difference between the value of your home and the amount of all that you owe on...more
You can still refinance with bad credit, but you will need to shop around. Each refinance application is looked at on an individual basis. So even if you have bad credit, other factors could qualify you for a low interest rate. However, if you don't...more
Debt consolidation mortgage loans can help you lower your interest rates and monthly payments. With reduced rates, you can also pay off your debt sooner. However, reducing your equity could subject you to private mortgage rates. You may also end up...more
The following cover letter sample gives an idea of what most job hunters should do when composing these. It consists of only a very few paragraphs, and is therefore short and easy to read. The reason for this sample being short is simply because...more
Saving money with lower rates isn't the only reason to refinance. Opting for a shorter loan can also save thousands in interest and free up income in the future. A short term loan can also help you pay down your principal quicker.Better RatesA 15...more
"Public Relations is really all about communications tactics and publicity." Sorry, no. Whether you are abusiness, non-profit, government agency or association manager, PR actually is all about a high-impact action plan which does something...more