"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 meaningful about the behaviors of those important audiences thatmost affect your organization; creates the kind of external stakeholder behavior change that leads directly to achieving your managerial...more
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 most serious job hunters will at least consider it as a technique that could help them impress a prospective employer and land the job of their dreams.Preparing one to use is really quite simple. Sit down and write out a few paragraphs stating some general feelings about why you would be an asset to the company you are applying to. Look at your resume and find the two or three most important key points. Then write it accordingly, reminding the interviewer of why you would be a good employee for the organization he or she represents. Invite some friends over to practice interviewing. A thank you letter after interview practice will be the next step. Pretend with your friends that it is the following day after your interview. Still...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...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 sub-prime mortgage is to compare lenders before you apply. It sounds so simple, but too many homebuyers skip this step, costing them thousands.Plan on taking at least a day to explore your options. The easiest way to look at financing packages is to request quotes online. While you are requesting quotes, take a look at conventional lenders as well. They often offer good rates and terms for those with adverse credit histories.Pick An ARMAdjustable rate mortgages (ARM) offer lower rates and are easier to qualify for than fixed rate mortgages. The drawback is that ARM rates can increase over the years. But if you are planning to move soon or just want to buy a home, then an ARM probably is your best choice.You can also convert your ARM when your credit score improves. As property prices increase and your equity builds, you will also be able...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,...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