Undoubtedly, you've heard the radio commercial claiming you can get a mortgage despite having bad credit. Bad credit mortgages are better known as subprime mortgages. Subprime"Subprime" is a euphemism for a borrower who simply doesn't qualify for a traditional home mortgage. Subprime loans used to be very difficult to get, but things changed in the 1990's. Banks began to realize there were a lot of borrowers with less than stellar credit or...more
A strategic position statement is kind of like a statementfor your company. You want to explain this statement howyou view your company and how you view it within the restof your marketplace.Circuit City is a good example. It's an electronicdepartment store that is making excellent profit marginswhile their competition is going out of business. They'vetaken a unique strategic position, being number one inservice and taken that all the way down to...more
These days, it's hard to listen to the financial or economic news for long without hearing something about pensions. These news stories usually give us some bad news about the pensions shortfalls in the gaping holes in pension funds. The chancellor Gordon Brown has recently gone on record suggesting that he is in favour of increasing the working age, and the debates about whether to link state pensions to earnings or inflation rages on. The bottom line is that people are spending too much, and saving too little for the future. It can be seen in all aspects of life, from consumer debt levels to corporate pension provisions to government statements about the future funding of pensions. Save nowIf you want a prosperous retirement, it looks like to only way to guarantee it, is to save the money yourself and provide for your own pension. The amount you receive during retirement is all down to you and the basic principle is that the more you save now, and the sooner you start saving in life, the better off you will be in old age. No one wants to spend their whole life working hard, just to end up struggling in their old age with an inadequate pension. This is the time that many people...more
During the days when the federal bank interest rates were at its lowest, back in 2002 and 2003 to be specific, countless credit card providers offered 0% APR credit cards to many consumers. Needing only to pay the outstanding balance, smart consumers were able to charge up to their limits without incurring monthly interest charges. The question...more
One of the greatest things to happen to the world of travel in recent years is the advent of low cost airlines. Not only do they offer flight travel that is cheaper than any previous airlines by far, but they also offer some other great innovations in booking and paying for flights. Part of the growth in popularity of these airlines is that they...more
If you are a loan officer or mortgage broker looking to purchase mortgage loan leads, you may be considering what type of mortgage loan lead to purchase, and which company to purchase them from.There are a few different types of leads to choose from and literally hundreds of lead companies to buy them from.A few different types of the mortgage loan leads you can purchase would be "real time" leads, which are only seconds old by the time you receive them. There are also the old or recycled leads which you can receive relatively cheap and usually in bulk.Be careful with the recycled leads because you can guarantee that they have been through many loan officers before they have reached your desk, so don't be expecting much on the quality end of these leads.Than there is the live transfer lead where the prospect is transferred to you from a representative of the lead company once they have made contact. Just make sure you are available to take the call.Once you have decided which type of lead is best for you, it comes time to decide on which lead company to invest in.My suggestion to you would be to call and speak with someone in customer service. Get a feel for how they obtain their...more
Typically one of the most important parts of setting up new accounting software would be to be able to invoice your customers in a professional manner and to control who owes you what and how long it has been outstanding for.So this will be your...more
A former colleague at a major stock brokerage firm always confused "fiscal" with "physical". On June 30th, he would talk about the close of the "physical year". Just a mental block for an intelligent man. Fiscal year-end differs for corporations with...more
Or is the customer always right? That's what you've always beentold. If you're in business, you know how ridiculous thatstatement is. The customer isn't always right, the customer isoften wrong. Worse yet, you know it, he knows it, and he knowsyou...more
"Any intelligent fool can make things bigger, more complex. It takes a touch of genius and a lot of courage to move in the opposite direction." E. F. Schumacher, 20th century German economist and conservationistThe evidence is clear and...more
Finding mortgage loan offers in the UK is not difficult. From newspaper advertisements to surfing the Internet, mortgage loans sporting low interest rates and additional benefits to entice borrowers to sign up are literally everywhere. But, when a...more
APIMage is now hiring effective sales people all over the world to invite prospects to a presentation and close sales utilizing its 10K A Week Wealth Creation System released by "Make Money Or Make Excuses" creator and CEO of Mentors On A Mission, Al...more