You can access your home equity without the cost of refinancing with two financing options. A second mortgage will give you a lump sum check with a fixed or adjustable rate. A home equity line lets you tap into your equity when you want to. Both options allow you to write off interest on your taxes and avoid high financing costs.Benefits Of A Second MortgageA second mortgage allows you to borrow up to 90% of your home's value. The lender, which...more
Using a thank you letter after interview practice will make interview practice seem real. Adding this sense of realism will do nothing but help you when it comes time for a real interview. You'll be comfortable and at ease and ready to present a real thank you letter, after having practiced the scenario beforehand.With that in mind then going all the way in rehearsing for the interview and using it after interview practice just makes sense, and...more
Falling victim to this #1 pitfall is the business, non-profit, government agency and association manager who fails to achieve the best that public relations has to offer. And that's because he or she is preoccupied with simple communications tactics like press releases, broadcast plugs, special events and brochures. So severe is the preoccupation with PR tactics that such a manager actually fails to do something really positive about the behaviors of those important outside audiences that most affect his or her operation.And if that is not alarming enough, he/she then compounds matters by overlooking the creation of stakeholder behavior CHANGE that leads directly to achieving their managerial objectives.The sad result is that such managers fail both to persuade those key outside folks to their way of thinking, AND to move them to take actions that allow their department, division, group or subsidiary to succeed.Now that really IS public relation's biggest pitfall!But it needn't be that way when managers base their public relations planning on its underlying premise: People act on their own perception of the facts before them, which leads to predictable behaviors about which...more
Debt plagues millions of people all over the world. Debt can be a positive thing. For instance, if we never had any debt we would never be able to buy a house or a car. Debt is necessary in many cases, but for some people it can get out of hand. There are many free debt management services available to the public. Each service offers various...more
Sub-prime mortgages don't mean you have to pay excessively high interest rates to buy a home. By taking time to do some research and pick the right terms, you can save thousands on your mortgage. The following five tips will help you get low rates with the right subprime lender.Compare LendersThe number one way to lower your interest rates on your...more
The interview follow up letter can make or break your chances of becoming hired. For that reason it should become an essential part of your job hunting tool box, right in there with the other tools you use: resume, cover letter, thank you note, reference sheet and salary history.Think of the letter as a second chance. Some people don't interview in person as well as they can write. Living up to the standards your resume set for you may be difficult. If that is the case, then the interview follow up letter will improve your appearance after the fact. Other people interview well in person, and are able to use this letter to reemphasize key points discussed with the hiring manager, and remind the hiring manager of the good points about the applicant. In either case the interview follow up letter is essential and if prepared properly will help the applicant get the job.The following sample interview follow up letter gives an idea of what should be included.The time I spent interviewing with you today gave me a clear picture of your organization's operation as well as your work environment. I want to thank you for the thorough picture you painted of your organizational needs.I...more
Have you filed bankruptcy since you bought your home? Are you now looking to take advantage of lower interest rates by refinancing your home? You will probably soon realize how much more difficult it is to finance or refinance a home after a recent...more
Using a job acceptance letter when offered a position shows true professionalism. It is a way of saying "thank you" to the person who hired you, and giving them assurance that they made the right decision. You have presented yourself to them as a...more
Debt settlement and debt consolidation both offer ways of reducing your debt. Debt settlement eliminates part of your loans, while debt consolidation reduces interest rates. Even though debt consolidation has the least impact on your credit score,...more
There are gems and there are duds of any business. This is true of debt management programs as well. Your money is very important to you, so you should choose a program that has the best reputation for success. Reviewing the number one debt...more
Refinanced mortgages have a couple of different rules when it comes to closing. For one, there is a mandatory rescission clause for primary residence mortgages that allows you annul your loan. You can also choose to close at anytime, which is...more
You can lower credit card debt through a variety of options. Consolidating your debt into one loan can help lower interest rates and monthly payments. If you need additional help, you can use a debt management or debt negotiation company. Both offer...more