The Promoting a house
May 26, 2015
Marketing a property or home seems to be simple initially as it is simply showing the property to a number of potential buyers. All you need to do is wait for a package, right? The truth is a new home sale is far from this perception. To market your property must perform the following tasks: […]
Home-Based Business – 3 Tips to Overcome Common Challenges
April 26, 2015
Running your own business can be challenging at times. It’s probably easier to let someone else deal with all the challenges and just collect a paycheck, but in today’s economy there’s not a lot of security in that scenario.
While I have certainly faced challenges running my own businesses over the past 11 years, I wouldn’t trade it for the world. Building my own businesses is the most fulfilling and rewarding thing I’ve ever done, outside of having my children.
It’s creative, invigorating, provides me with the freedom and flexibility I value so highly, puts me in charge of how much I make, and it puts my future in my hands. So how do I get past the challenges? How do I keep going when the going gets tough? How do I get back up when I stumble or fall down – and yes, I do fall down, just like everyone else does.
(1) It’s all about the Attitude
I believe the only way to fail is to give up. And I believe in my vision so much that I am willing to keep on getting back up and keep on doing whatever it takes to get there. This is not a burden. And, it doesn’t even feel like hard work. Because I enjoy working in my business every single day. While I focus on taking action to help me reach my goals, I also focus on enjoying the journey. I focus on staying present and being open to all of the amazing experiences each day brings. And yes, even the miss-steps and “failures” bring with them great gifts, when you are open to looking at them that way.
(2) Gratitude Trumps Frustration Every Time
It’s when we get so caught up in where we are going, that we are constantly frustrated by the present – because we aren’t where we want to be. However, if you can switch this thinking, and be grateful for where you are, and recognize you’re on a journey and every step is important and valuable, the frustration disappears.
When you accept where you are, is exactly where you’re supposed to be, and you’re open to learning what you need to learn in order to grow and move your business forward, then you position yourself for great success. But when you are constantly frustrated by where you are, you can’t possibly be open to learning what you need to learn, because your energy is all wrong. You are not open to the possibility that everything that is happening is happening for your benefit, so you are closed off to the lessons and the path that is being laid out in front of you.
When you can learn to be grateful for all that happens, and always ask the question, “What is the higher purpose in this?” it changes everything. Because you will get the answer to that question and THAT is what moves you and your business forward. Whereas when you’re in an energy of constant disappointment and failure, it will simply bring you more disappointment and failure. It’s a vicious cycle.
(3) Stay Focused on Your Vision and Keeping Taking Consistent Action
As I said, the only way to fail is to give up. If you believe in your vision and you know in your heart you’re doing what you’re supposed to be doing, then stay focused on that vision and keep taking consistent action toward it. And be open to the lessons along the way. Everything that doesn’t turn out the way you want, has a lesson that can move you forward, if you are open to it. Your job is to learn and keep getting back up and moving forward. Success will come to you, it’s just that the road may not look like what you expect. But that’s not necessarily a bad thing, because it could be even better than you envisioned!
I’d like to leave you with quote about success and patience from Donald Trump, arguably one of the most successful people in the world, regardless of what you think about him.
In his book, “Think Like a Champion” Trump says “Sometimes people think things just happen overnight, but that’s not always the case, even if you are well known and well established. Success is often a matter of patience ….”
(C) Copyright 2009 Debbie LaChusa
7 Ways To Move Your Business Forward Every Day From Today
April 20, 2015
1.Create more balance in your working day by keeping a Success Diary. The best ones to use are the page a day type and you need to split each page into three fairly equal sections down each page. Title the first section Health Goals, the second Section Wealth Goals, and the third section Wisdom Goals.
Aim to complete your 2 Health Goals per day as if they were a part of you, for example Daily Workout and Health Eating Plan. Record your successes.
Your Wealth Goals are usually connected to building your business, so complete at least three business building tasks daily. Record your successes.
Your Wisdom Goals are usually connected with reading a book or attending a training class, event, or webinar from a course you have invested in. Aim to spend at least 30-40 minutes training your brain daily. Small bite size pieces every day cumulatively works best, focusing on one area of your business until you master it.
Each day put a big heart somewhere on the page and write quality family time inside it.
2.Write 2-3 blog posts in an afternoon at the weekend in one session. Make sure you get complete peace and quiet for this task and remember they are just blog posts. If you get stuck for ideas spend 5 minutes reading through places such as EzineArticles and take some notes of what articles are popular.
Also take note of some great headlines for your blog posts and schedule up your blog posts for delivery if you have time at the end of your writing session you have now just freed up your mind for the whole week ahead.
3. Make connections with 5 people per day on Facebook and comment (do not dawdle here) on popular Facebook pages and comments. Make sure you always stay positive, be encouraging of others and share something of value if it is appropriate.
Never spam people with links on Social Media you are at the biggest cocktail party in the world so be a welcome guest not an annoying pest.
4. Create a new Vision or Dream Board every time you need to dip into that pot called inspiration. Firstly it will distract your conscious mind which will enable your sub-conscious mind to go wild with ideas. (this is where that gut instinct of yours lies hidden most of the time).
I like to think about it in this way. Divide your vision board into three sections, Wealth Goals, Health Goals and Lifestyle. (Apply images liberally to all areas matching the section of course)
Without good health you are not going to enjoy the other two, without wealth you will be affected by stress which could lead to ill health and you will not be able to live the lifestyle of your dreams and without being a goal orientated person seeking a better lifestyle for you and your loved ones?
Well just perish the thought.
5. Control your Social Media time. Distractions today are everywhere and we tend to take them with us on our Smartphones too! Just be wary of the time you spend each day on Social Media as it can seriously impact on other tasks.
Schedule up some Tweets using Hootsuite and use the Facebook timeline feature to do the same on Facebook, then just check periodically for updates, mentions, comments and messages.
6. Create a Free Report from a chapter in your latest Ebook and give it away as much as possible for the next 90 days or more. Always use a squeeze page to help build your email subscriber list at the same time but give it away.
Your number one task online is to build your subscriber list so brainstorm 5 ideas you have right now that you can implement over the next 30 days that will help build your list.
7. Invest a few dollars a month in Onlywire bookmarking software. If you are spending all your time blogging and then syndicating your post everywhere you can check out what Onlywire can do.
The upside is that once you have set it up you can submit your blog posts in less than 1 minute and Onlywire will do the rest, the downside is it can take a few hours to actually set up when you first use it. But like the advert says “because you’re worth it!”
Debt Consolidation Loans Tips For Getting Rid Of Debt
April 13, 2015
By taking steps to have all your debts rolled into one, you will be taking steps to manage your debt in the most efficient way possible. Having many small bills to pay at the end of the month can be a very frustrating experience. Debt consolidation loans are a great way to manage your finances prudently.
If you have a poor credit rating, you may find it slightly difficult to benefit from this facility. This however, does not mean that it cannot be done. The only difference is that the conditions may be much tougher.
However, if you qualify for it, there are ways of ensuring that the interest rates are reasonable. Taking advantage of little tricks can go a long way towards ensuring that you are not over charged. It is not something difficult to do, but needs one to be focused.
Start by taking stock of the credit cards that you have in your possession. Where possible, list down their credit limits and interest rates. Once this is done, you can then make a list of the debt on each one of them.
The next step is to consider the possibility of one card taking over the debts from all the others. If this is possible, the best step is to transfer all of it to that particular one. The trick is to make sure that you get one with a high credit threshold and low interest rates.
This is the easiest way to consolidate your debt if it can be managed. At the end of it all, you will find it easier to pay one bill at the end of the month and definitely much cheaper.
Try and negotiate with a lender or other credit organizations to give you a loan that can take everything on board. Bargain with your salary if you are on a salaried employment. It always offers some sense of security to creditors an they are bound to be softer on you.
Bear in mind the fact that one must be over eighteen years old to enter into a legally binding contract. One must also be a citizen or resident of that country. It is naive to expect a loan if you are visiting from another country. If you can demonstrate the ability to get your act together. The interest rates are bound to be quite minimal. However, make sure that the loan is strictly used to buy out all the other loans.
Bad Credit Home Equity Loans – Tips On Getting A Lower Interest Rate
April 7, 2015
Getting the lowest rate on a bad credit home equity loan requires some comparison of various lenders. Even those that do have bad credit can find benefits in comparing various lenders for what they can offer to you. What’s more, you will find that home equity loans are secured, which means that borrowing against this money just makes more sense than borrowing with credit cards.
Tips To Start The Search
Here are a few tips you can use today to secure a low rate on a bad credit home equity loan:
o Know your credit score by getting a copy of your credit report. Make sure that all information is up to date, accurate and gives you goals to help you to improve your rating over time.
o Get quotes from several lenders and compare them for interest rates, terms and costs as well as fees that are included in the home equity loan. Quotes can give you a clear indication of what you are likely to pay not just what is advertised.
o Consider sub prime lenders that specialize in home equity loans for those that have bad credit. They are less demanding on qualifications that you will need.
o Have proof of employment, income and assets that show that you have the ability to make payments.
o Make sure you are up to date on your mortgage payment.
By working with several lenders, you will be able to determine what the right solution is for your particular needs. It is very important for you to continue to keep building your credit while you are applying for a home equity loan. Therefore, make payments on your mortgage and other loans, including credit cards. By comparing what various lenders can offer you will allow you to find an affordable bad credit home equity loan.
Bad Credit Car Loan Tips
April 1, 2015
In the current credit crunch, getting a car loan with less than perfect credit can be tough. And, if you are able to get a loan with bad credit, you will likely pay an extremely high interest rate. A high interest rate can cost you thousands extra over the coarse of a loan repayment. Here are a few tips on how to get the best rate possible on a car loan.
1. Get a credit report. You may think your credit is worse than it is. Buy a credit report and find out just what your credit status is. Also, you may find errors that you can correct or even old credit accounts that you can close to improve your score. Every bit helps.
2. Try dealing with banks that specialize in bad credit loans. Regular banks are likely to deny you or give you a very high rate even if your credit is only slightly less than perfect. Smaller banks that specialize in higher risk need the business more and will investigate your credit to a greater extent making it more likely that you get a better loan. These banks are likely to approve a loan even with a bankruptcy in your past if you have a job and a stable residence.
3. Shop for your loan. You should apply for a loan from more than one lender. There are many lenders you can apply to over the Internet, so it is relatively easy to apply for a loan with several banks quickly. After you fill out the forms one time, just write everything down, as the applications from other lenders will ask you nearly the exact same questions.
4. Know the real cost of the credit. Some banks will quote a low interest rate coupled with excessive fees. Somewhere in the fine print it should tell you the cost of the financing as an annual rate. Compare this number with the other quotes.
Credit Score Advice – Home Equity Loan Tips for Better Refinancing
March 26, 2015
Refinancing your house can save you money. Even with the interest rates climbing, they are still at the lowest levels in decades and now is a good time to refinance your home before the rates climb higher. Before choosing a lender to refinance your current mortgage, consider a few key factors and analyze your options. Your current interest rate, the length of time you plan to stay in your home, your credit rating, and the value of your home are all important issues to consider when looking at refinancing your house. Let’s concentrate on your credit score and how it effects refinancing.
A credit score or rating is something that every adult with a credit report has. This is commonly known as a FICO score, which is a credit score developed by Fair Isaac & Co. Credit scoring. This is a method of determining the likelihood that credit users will pay their bills. Lenders analyze your credit scores to determine whether or not to approve a home mortgage, a car purchase and nearly all other types of loans. Your credit score can have a huge impact upon your future and those with a good credit rating can look forward to a far brighter financial future than those with poor credit scores. So, how exactly is your credit score determined?
Before lending you money, creditors want to determine how much of a risk you are–in other words, how likely you are to repay the money they loan you. Credit scores help them do that, and the higher your score, the less risk they feel you’ll be. The rewards of raising your score speak directly to your wallet: You’ll qualify for more loans and be offered better interest rates. Your credit report contains a range of information relating to your financial situation, including the money you owe or have borrowed, your repayment habits, any missed or late payments, court judgments and bankruptcies, any loan applications you have made, and any loan refusals. Your credit rating can be affected adversely in many ways, and this can include missing or late payments, as well as being turned down for credit by lenders and merchants.
Credit Scoring Analyzes Five Areas of Your Credit Report
1- Your Payment History
The factor that has the biggest impact on your score is whether you have paid past credit accounts on time.
2- Amounts You Owe
Having credit accounts and owing money doesn’t mean you are a high-risk borrower. But owing a lot of money on numerous accounts can suggest that you are overextended and more likely to make some payments late or not at all.
3- Length of Your Credit History
In general, a longer credit history will increase your FICO score. Lenders want to see that you can responsibly manage your available credit over time.
4- Types of Credit Used
People today tend to have more credit and to shop for credit more frequently. But opening several credit accounts in a short period of time can represent greater risk-especially for people with short credit histories.
5- Your New Credit- Types of Credit in Use Currently
Your FICO score will reflect your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. The credit mix usually won’t be a key factor in determining your score-but it will be more important if your credit report doesn’t have much other information on which to base a score.
You can improve your credit scores by taking a close look at your credit reports and charting a plan of action to improve them. As follows are a few tips to increase your credit score
Correct blatant mistakes. Your credit score is only as good as what shows up in your credit report. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan.
Pay your bills on time. This is always a good practice, and it’s especially critical that you make prompt payments close to the time you need a loan. That’s because a late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.
Reduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it’s good to keep your balances at or below 25 percent of your credit card limit, said Jeanne Kelly, founder of The Kelly Group in Brookfield, Conn., which helps clients improve their credit scores.
Pay off debt rather than moving it around. Since the ratio of your credit card balance to your credit limit is key, closing out an account and transferring the balance simply means you increase that ratio, which is likely to lower your score.
Don’t close unused credit card accounts near loan time. If you have several credit card accounts but are only using a few of them, you’ll only raise your balance-to-limit ratio if you close the unused ones. You also shouldn’t open new accounts when applying for a loan if possible.
So where do you fit in? It all depends on the loan program. Conventional loans offer the lowest rates for residential properties, but you will pay almost 1% more for mortgage insurance if you borrow more than 80% of the property value. This is to protect the lender from the risk of a low down payment.
Sub-prime loans are available for people whose credit profile won’t qualify for conventional loans, or who have special needs with regard to income qualifying, or debt ratio, or similar issues. Sub-prime loans typically run about 2% higher to 8% higher than conventional loans, depending on the credit issues in your file, and the amount you are looking to borrow. They typically run about 2 to 6 points higher in loan origination fees as well.
Hard money loans are typically available for severely impaired credit situations, or homes where the property needs rehabbing. This is the one area in real estate lending where lenders don’t care too much if they get the property back. They usually charge a stiff fee to grant the loan (10 to 15 points), the rates typically run 16% to 18% interest only for 2 to 5 years, so these lenders make sure they have a lot of protection from a default situation.
When it comes to credit score the one thing to remember is the better your score the brighter your financial future is likely to be, so it is important to keep your credit score up as high as possible.
After a Bankruptcy Has Discharged – 3 Personal Loan Tips
March 20, 2015
For most people, going through bankruptcy brings with it a mix of emotions. On the one hand, there can be a sense of disappointment at having to take such a drastic measure in order to get one’s financial life back on track. There can also be some guilt that comes from not being able to repay debtors, and even a sense of failure.
At the same time, bankruptcy can bring with it huge feeling of relief for finally being out from under all of that debt. In particular, this feeling of relief can be the strongest when you are discharged from owing money to most or all of your creditors.
Defining a Bankruptcy Discharge
A bankruptcy discharge is simply a provision within many bankruptcy arrangements whereby you, the borrower or debtor, are released from any further personal liability for certain types of debts. After your discharge, you are no longer required to repay the qualifying debts.
Furthermore, this is a permanent order, meaning that creditors and collection agencies to which the discharge applies are no longer able to seek repayment from you – including calling you, writing you or seeking legal action in order to collect outstanding debts.
Note that some types of debts – such as those with a valid lien or charge upon a specific property – will remain owed by you even after the discharge. There may be other types of debts, such as some types of student loans, for which you will remain responsible even after the bankruptcy.
The Need for Money after a Discharge
As you know, once you have been through a bankruptcy, for a period of a number of years you will not be able to quality for many types of credit or loans. However, that does not mean you will not have the need for a loan: your need for cash will still be there even after bankruptcy, of course. Fortunately, some lenders special in making personal loans to people in your situation.
If you are wondering how to get a loan after a bankruptcy has discharged, personal loan options abound. Here are 3 personal loan tips for getting funded:
1. Decide whether you want a secured or an unsecured loan:
The first decision you will need to make is whether you should take out a secured or an unsecured personal loan. The main difference is that, with an unsecured loan, you will not need to put up any collateral such as a piece of physical property or a financial instrument such as a funded savings account. However, unsecured loans understandably come with higher average interest rates than do secured ones.
2. Figure out how much you need to borrow and for how long:
Now, decide exactly how much you will need to borrow. It is worth spending some extra time to be precise on this point. After all, you will want to make sure you borrow enough to meet your current cash needs, but you will want to avoid over-borrowing as well.
3. Apply to as many lenders as you can:
Now, it is time to apply to as many bankruptcy-okay personal lenders as you can find. Start by doing an extensive online search for “bankruptcy okay personal loan” and related terms. These lenders are out there and willing to take you on as a customer. Make sure you apply to multiple (e.g., 3-5) lenders, since by doing so you greatly improve your chances of getting a low loan rate.
Consider these 3 tips as you start out on your journey to get the cash you need now, even after your bankruptcy has discharged.
Graphic Design and Photoshop Tips That Will Steer Your Business Forward
March 14, 2015
Whether you are a start up business or been in the market space for a while, the cost of doing basic graphic designs such as logo design, business card design or even corporate branding can and is usually quite expensive. A simple logo design can cost you around $300 and depending on the size of the company, corporate branding can be anything between $1000 and $10,000. Understanding some basic concepts of Photoshop in particular and graphic design in general can save you a wad of cash. If you are just starting out, the savings can come in quite handy.
As a business owner who is knowledgeable on some graphic design tips and concepts; when you decide to use external graphic design services, you are bound to actively participate in the design process with the assigned team and negotiate a favorable price deal as you are aware of the intricacies involved in the entire process.
If you are already in business or an aspiring entrepreneur it is never too late to learn a few basics in this field. Thanks to the internet, there are numerous online resources such as websites, video tutorials and eBooks readily available for those willing to spend some time and little money to gain some competitive advantage in this highly competitive market space.
Here are some graphic design tips which can be used by business owners keen on learning a few things about the profession. These tips will ensure that the learning process or actual implementation of graphic design concepts seamlessly fits into the day to day running of the business.
Fall in love with technology
An entrepreneur who wants to learn some graphic design basics or improve on the skills he or she already possesses must love technology. There are very many powerful software tools such as Photoshop that are readily available. One must develop and nurture that interest in technology so as to fully utilize or improve their skills.
Be observant and get organized
One must and should be observant and well organized. Artistic inspiration usually comes from unlikely sources and may remain invisible to people who are not observant. Transferring or implementing observations calls for a high level of both mental and physical organization; such traits will come in handy for any entrepreneur.
Be detailed and meticulous
When implementing concepts, have an eye for detail and be meticulous. Grammatical and spelling errors can injure the final product. A wrongly spelt name, or wrong color tints can drastically bring down the reputation of your firm. It is advisable to triple check and when in doubt consult or look it up elsewhere.
Get up-to -date
It is critical that you keep abreast of current developments in this profession by being constantly updated. It is advisable to sign in for newsletters, get membership to relevant professional bodies and participate in relevant discussions in various forums such as blogs, Facebook and Twitter to keep abreast of new happenings. This ensures you remain fresh and avail your thoughts or works out there for some positive critique or otherwise.
Get some formal training
It is also important for entrepreneurs keen on getting some knowledge about graphic design to be ready to get some professional or formal training on this field; self teaching may not suffice in certain instances. The graphic design field is anything but static, it is thus important for anyone interested to put in some continuing education hours and learn some skills. There are certain graphic design tips or Photoshop tricks that can only come from experience and some that can only be taught by a teacher, tutor or mentor.
Invest and spend some money
It is important to do some research on the internet and spend some little cash in getting some easy to read eBooks, Video tutorials or ready to use templates. Tools such as business card templates provide an entrepreneur with the opportunity to have their artistic flair reflected in the final product without spending too much time or resources in the process. An entrepreneur can make some adjustments on the end product to reflect the path he or she wants the end product to take.
As a business owner, designing your business logo may the first step in stamping your artistic mark in your company. What better way can you achieve this if not by coming up with a design that will remain etched in the minds of competitors and clients alike? If you are wondering how to achieve this, fret no more. A brief visit to Design a Logo in 10 Minutes will teach how to go about this in ten (10) minutes. Yes you read well, in 10 minutes you will be able to learn the basic tricks and tips on how to come up with a stunning logo. Pay the site a visit and see your thoughts come to life.
Free Money Saving Auto and Home Loan Tips
March 6, 2015
Free Auto Loan Tips
The following tips should help increase your chances of getting a car loan at a better rate.
Tip #1 – If you just started a job (recently graduated from college) then wait 6 months to apply for your car loan.
Tip #2 – If you have currently have bad credit then repair it before applying for an auto loan.
Tip #3 – If you’ve recently moved then wait until you have lived at your new address for 6 months before applying for a loan.
Tips #4 – If you have had a previous auto loan or home mortgage on your credit report then your chances for a new loan improve greatly.
Tip #5 – Try and pay off all of your credit card balances or at least lower them. You may want to consider finding the best debt consolidation loans to erase all of your credit card bills. The bottom line is don’t keep a high debt load or credit card balances.
Tip #6 – You must have a stable job or occupation.
Tip #7 – Other examples of credit extended to you should appear on your credit report. Verify this with a quick and easy online credit report. Also avoid charge off’s on your credit report.
Tip #8 – If you’ve filed bankruptcy before then you should wait 3-4 years before trying to get an auto loan.
Free Home Loan Tips
Tip #1 – Make Bi-Monthly Payments: Instead of paying your mortgage with one monthly payment switch to paying half of your loan payment every 2 weeks. The savings comes from the 26 half payments you make which add up to 13 monthly payments versus the regular 12 payments you would normally make in a year. The end result is you save a large sum of money on the interest owed and you’ll own your home a lot sooner!
Tip #2 – Choose a 15 year mortgage instead of a 30 year mortgage: You’ll end up with a higher monthly payment but in the long run you also save tens of thousands of dollars in interest charges, especially if you shop for the best home loans you can afford.
Tip #3 – Mortgage Refinancing: Currently this is the most popular trend. You refinance your mortgage if you can get a rate that is at least one percentage point lower than your existing mortgage rate and plan to keep the new mortgage for several years or more.
Tip #4 – Buy down the rate: The seller or builder, or through innovative pricing, can help you buy down your mortgage rate for one, two, or three years.
Tip #5 – Consider an adjustable-rate mortgage (ARM): If you think you will be in your house for less then 5 years then perhaps you should consider an ARM. An adjustable-rate mortgage (ARM) starts with a considerably lower interest rate, but then adjusts every year. This type of loan moves a little bit of the risk away from the lender, and the lender rewards you with a lower rate. Usually these mortgages are capped to rise not more than two percent in any year, and not more than five or six percent for the life of the loan for your protection.