Before you get a mortgage for the first time, or refinance your existing mortgage, lenders run a credit check. Lenders use a scoring system to decide whether or not you are a good candidate for a loan, and even what rate you will qualify for. Credit scores are based on a number of factors. How much do you know about the current credit scoring system? Here is a 10 question quiz to help you find out:1. True or False: Information on your credit...more
A quiet amusement of mine is to watch the expression of people who arrivelate for mytime management seminars. (Now you're going to be worried every time you goto oneof my programs!) The look resembles a child who just got caught with a handin thecookie jar. Tail between the legs, these people shuffle in sheepishlymumblingsomething about traffic, while their friends jibe, "How can you be late fora timemanagement class"?The number one complaint I...more
For the last few years anyone in the tech industry could tell you who the 'evil empire' was and why it was known as such. However, after a hugely successful blog adoption campaign, utilizing over 1500 bloggers within the company, Microsoft has almost completely overcome the unwanted moniker.Into this world that has lost an evil empire rides Sony, Microsoft's chief gaming competitor. Now, while Sony and Microsoft do compete on other fronts, they are in the middle of a head-to-head challenge for superiority on this front.And, Microsoft is winning, hands down. Much of the reason is due to blogging. Microsoft has learned and taught the lesson of Successful Business Blogging.Sony, on the other hand, just isn't getting it. After their DRM rootkit/spyware was found out a few weeks ago, they are battling one news story after another. In fact, the state of Texas is suing the company for the same reason. They launched the suicidal DRM spyware without once thinking of their customer's reactions. They had to have realized that some enterprising hacker would figure it all out. The net is filled with geeks who pride themselves on figuring out how things work and which programs sit idly on a...more
Currently with over 150 new home developments sites underway it should not be surprising that making the bestdecision about what areas to choose from can seem a littleoverwhelming. In order to make it easier to find new homes,Jacksonville should be broken down into different quadrants.Mainly four different areas with different styles to choosefrom....more
When looking at tips for first time home buyers, you've come to the right place. Many people are looking all over the Internet for reliable information. There's over 761,940 websites (as of March 05) with information or online forms urging you to fill them out for more details. While I certainly agree the Internet is a great place for obtaining...more
For contract cleaning companies office cleaning is the most competitive market to break into. Some organisations change their cleaners on a regular basis, every year or some even every six months because they cannot find a company that will consistently meet their requirements. What we find is that these companies do not have a clear indication of what is expected from the clean. After some time they complain that standards have fallen.This phrase 'standards have fallen' is oft repeated by a company representative who is complaining about the cleaning. So you ask what aspect of the cleaning has or is not being done. The reply is often along the lines of, well its all being done but the standard is not what we have come to expect. So you then ask if they can give specific examples so that these can be rectified. Answer; 'not really its just that standards have fallen'. This is the most frustrating part if you are the cleaning services company. So you go in to visit the premises, talk to the company and to the cleaners. Quite often you can find nothing is actually wrong with the cleaning and that everything according to the contract is being fulfilled. This may very well be the...more
If you've been in business very long, you've likely heard it all! You know, the irate customer who is going to sue you over the nineteen dollar product that they claim is bogus; the one that's going to "shut your business down" because they conjure...more
Running a seminar or a small business management course can potentially be a labor intensive undertaking. You want to ensure the ROI. A major part of that effort will be in researching developing your materials for presentation. How do you do...more
What's the first image that comes to mind when you hearthe term -- motivated seller?You probably think of someone who is desperate to sell hisproperty, as quickly as possible, for well below the marketprice - right?Well, sometimes that's true but...more
Can you feel the chill in the air? And there it begins to snow! Vast open spaces, roof tops, trees . - all covered with layers of white pure snow. Sure sign that Christmas is not far. Everything changes during Christmas time. Psychologically it...more
Why should you take out a second mortgage or a home equity line of credit instead of refinancing?Well, You Shouldn't!!Why Not?1. Second Mortgages usually have an interest rant that is twice or even three times as high as your first mortgage...more
In addition to the many questions that you should pose to a potential Franchisor, and the many questions they should pose to you, there are several other considerations for you to determine your compatibility with a particular Franchise system. If...more