Grow Your BusinessA postal clerk in Indianapolis made a discovery about her customers and coworkers - and her own nature. A newspaper editorial charged that her branch had "the rudest clerks in town." The clerk was angry. "I was rude to people because they were rude to me," she said. "What goes around comes around." Then she wondered what would happen if she treated others with courtesy. Would that come around too? So she made an effort to get to...more
At an International Franchising Symposium in London, Peter Holt made the bold statement to his audience of Franchisors that they needed to understand that their business would fail, and in fact all businesses are bound for failure. Needless to say, there were a few shocked faces in the crowd. He was making the point that it really is just a matter of the number of calendar flips before time strangles any business. It's a hard point to argue when...more
FHA mortgage insurance programs assist low and moderate income families become homeowners by lowering some of the costs of their mortgage loans. FHA loans encourage mortgage companies to make loans to otherwise creditworthy borrowers and projects that might not be able to meet conventional underwriting requirements by protecting the mortgage company against loan default on mortgages for properties that meet certain minimum requirements.Today's FHA program is the adaptation of the very same program which has helped save homeowners from default since the 1930s. Today, One to Four Family Mortgage Insurance is still an important tool allowed by the federal government to expand home ownership opportunities for first time homebuyers and other borrowers who would not otherwise qualify for conventional loans on affordable terms. Several amendments have been made to the FHS in the nearly eighty years it has been a part of United States federal policy. Most notable to these changes is evident in the 203(b) clause added in the 1980s which allows numerous advantages to the first time and disadvantaged home buyer.In contrast to conventional mortgage products, which frequently require down...more
If used properly, there may not be a more effective financial option a homeowner can exercise than to take a second mortgage on their property. More and more American consumers have become aware of revolving debt and the implications it can have on them and their loved one - not just now but in the future.Second mortgages can be used for...more
From an employee's perspective, management often conducts itself in ways that make no sense. When the economy is slow, jobs are few and far in between or people are fearful, staff will tolerate management behaviors and policies that are nonsensical (in their eyes) or they judge are harmful.But when staff gets together for lunch and they start...more
My goal is to bring lawn and landscape professionals great information, advice, tips,and strategies. I love this business and want to see others learn, grow, and be successful. You have picked a great field to be in. The SERVICE Industry. The service industry can survive in tough times alot easier while other business such as retail have rent, employees, or big expenses. You can start a lawn & landscape company with little capital, but you must become an expert in your business as your customer will turn to you for advice. Read as many books on this industry as you can get your hands on. Just 1 idea from a book could make or save or you thousands of dollars. I recommend starting with good landscaping books that describe all the plants, shrubs, and trees tells the environment they can live in how to care for themPlus, you should read basic business books. I majored in sales and marketing in college and still learn something valuable in every sales and marketing book I read. I have seen many owners of companies have great service and great employee management, but neglect the marketing side. After your business gets going marketing should consume about 90% of the business. If you...more
The various resume software offered, particularly on the internet, can seem very attractive to job seekers; especially to those not comfortable writing resumes. At first glance resume writing software can provide a number of perks and can appear to...more
Disadvantages of Resume SoftwareFormatA large majority of software requires the use of their format; most commonly using the chronological resume style. While the chronological style is certainly the most traditional manner to write a resume, it is...more
Buying your first home can be a difficult time, especially in these days of high house prices, and low job security. But don't despair, www.mortgagedown.com have prepared a few top tips to make the process as painless as possible for you! Get an...more
What's in a name?Think of your business name as an external mask for your business. If it's something your target audience like, they would consider checking it, if they don't, in most cases you have lost a customer even before you could tell them...more
I started investing in property in 1996 with only £500 and now I own a property portfolio of 150 properties worth over £10m. I can already hear you - "it was easier back then!" Ironically it wasn't.Let me explain a little more. The buy to let...more
American CEOs are dropping like flies. Boards, armed with new federal rules and stock exchange requirements coming in the wake of the corporate scandals of the past few years, are getting rid of underperforming CEOs at record rates. This trend is...more