Grants are a type of student aid that is awarded by the government. Grants for college students do not have to be repaid.Grants are based upon financial need, as calculated by the federal aid program. The first step in applying for government grants is by completing the FAFSA.Of course every student and parent would rather receive grants instead of loans, since they do not have to be repaid. So the student hopes to see a grant award when the...more
[This article is based on excerpts from the special report "Overcoming Resistance to Change" by Dr. Mike Beitler.]Senior management often creates a plan for implementing an organizational change while completely ignoring the following elements necessary for every organizational change. Without these elements the attempted changes will always create a large amount of resistance. Change leaders and facilitators beware!1. Involve the people who will...more
You can hardly have failed to notice the massive consumer-fuelled boom across most Western economies the last 5 years or so. In the wake of 911, decisions were taken at the very highest levels that a recession at this point would be disastrous, and so it was 'put off' with the panacea of low interest rates.Interest rates, in fact, have been hovering at or near 50 year lows since that time in most developed nations including the US and UK, and have only recently begun to rise back to historical norms in the face of worldwide economic pressures.The 'optimistic' among us seem to think the current situation can continue indefinitely, with a 'new paradigm' of low interest rates, easy credit, and massive house price inflation in what is otherwise a low inflation environment. They are, of course, wrong, as the key phrase 'new paradigm' should have alerted you. Whenever anyone says 'it is different this time' you can safely bet your very last dollar that it isn't!But why can't the current 'perfect' situation continue? There are 2 explanations, an easy one and a difficult one. We'll take the easy one, of course. Imagine you lose your job. You still have bills to pay. So you max out your...more
We've all made bad decisions in the past.Don't you just hate to hear "I told you so" from your friends and family? Or, maybe you catch yourself saying "If only I'd have..."?Personally, I'm one of those people who prefers to learn from someone else's mistakes. If you're at all like me, and you have thought about doing a 1031 exchange into a tenant...more
Do this One Thing and Beat 85% of Your Competition! Maybe you don't want to work that hard, or maybe you have been burned by consultants so you are not inclined to listen to one. Or maybe you already have a measure of success and don't think you need to do anything more. No matter what positon you are in, if you Do This One Thing you will beat 85%...more
A Forex broker is a broker dealing in foreign exchange, just like real estate broker who deals in real estate and properties. Simply, a Forex broker is an advisor who advises you about the forex market. However, the Forex market is not the perfect place to play with as a novice and beginner as there are many criticalities involved along with much risk bearing capacities. Novices can very quickly get their fingers badly burnt. But inexperience is not the only reason to consider using a Forex broker to trade in the high-risk international currencies market.So, the Forex broker is an advisor who advises you about the forex market and allows you to work for 24 hours a day with major currencies like EUR, JPY, GBP, CHF etc against the US dollar on the spot, i.e. according to the current prices on the forex international exchange market. But the level of profits depends only on your abilities as well as your timely decision.Although the role of the Forex broker is relatively redundant as a result of technological advancement and increased awareness, we cannot completely underestimate his role. The new paradigm shift has had something of a democratizing effect on the financial markets, and...more
Forex, FX and the Forex market are some common abbreviations for the Foreign Exchange market. Actually it is the largest financial market in the world, where money is sold and bought freely. In its present condition the Forex market was launched in...more
If you are looking to buy property overseas, the process can be fraught with uncertainties and worries as you look for that dream house in an area in which, to be frank, you're not all that familiar. Here, Cyprus is no different. So, how do you go...more
Before you buy any property in Cyprus you should always seek the advice of an expert real estate agent and lawyer. In this regard, the following is a quick checklist of some of the basic things they should be checking:1. Doing a land title search at...more
Many people have the professed desire to be their own boss, start their own business ecetera, ecetera...Trouble is, how many people actually take the steps necessary to fulfill their professed desire?A recent incident that actually happened brough...more
A fixed-rate mortgage is a mortgage on which the interest rate is set for the term of the loan. Your interest rate stays the same for the term of the mortgage or for a specified period of time. Most people use a fixed-rate mortgage. In fact, about 75...more
I don't know what the mortgage situation is around the world but here in England the mortgage industry is a constant point of debate. It used to be that everyone aspired to having a mortgage on a nice home - you know the kind of house with enough...more