In part 1, we covered the basics about credit scoring - what it is and how it is calculated. It's time to address the critical question ... What happens if you are denied credit or don't get the terms you want?The Equal Credit Opportunity Act requires that the creditor give you a notice either with the specific reasons your application was rejected, or stating that you have the right to learn the reasons if you ask within 60 days. NOTE: ...more
In virtually any business first impressions are lasting impressions. Most people have heard this statement for years, and yet some people completely ignore the first impression they are conveying to potential customers or clients. Regardless of the industry you are in image is a part of your marketing. Take the real estate industry. An often-overlooked part of marketing is the image an agent projects. This includes marketing collateral, clothing...more
Delivering an effective presentation to 20 or to 200 people is difficult. Because listeners have better access to information since the internet became commonplace, audiences expect more content from speakers today. In addition, because of the entertainment slant of most media today, audiences want a presentation delivered with animation, humor, and pizzazz.If you would rather spend your time preparing your content than reading a book on public speaking, this is an article especially for you! From my experiences in delivering over l500 speeches during the past 20 years, here is a quick guide to giving an effective and interesting presentation your very first time.Begin with something to get the attention of the audience. This might be a startling statement, statistic, or your own story. Listeners pay close attention when a person begins with, "Two weeks ago as I was driving to work a car pulled out in front of me ." You could begin with a current event: "You might have read in the paper this morning about the flood that ." A question is another way to make people listen. "How many of you feel our society spends too much on medical care?" might be a way to begin a...more
Centuries ago great speakers often spoke two hours and more. But today when sound bytes on television news are the norm and serious problems are solved in an hour on a television drama, audiences are most interested in speakers that get their points across in a short period of time. In a speech delivered to a Women in Communication audience,...more
Let's start by taking a look at 7 key elements of an adjustable rate mortgage:1) ARM defined: While a fixed rate loan is constant and never changes throughout the life of the loan, an adjustable rate mortgage changes periodically. The interest rate of an ARM goes up and down based on whatever external index it is tied to. Add the lender's...more
If that sounds like you, here's what you may be missing once the new enterprise is launched Public relations that really does something about the behaviors of those key outside audiences that most affect your new enterprise. PR that uses a fundamental blueprint to deliver external stakeholder behavior change - the kind that leads directly to achieving your venture's objectives. And PR that persuades many of those important outside folks to your way of thinking, then moves them to take actions that help your new enterprise succeed. That's why you as a small business owner must gear up to deal with the unattended perceptions out there that could nudge your fledgling venture closer to bankruptcy than success. Perceptions that, if left unattended, may well result in actions that run counter to those you and your banker had in mind. For example, when new ventures fail, the wreckage is often assigned to undercapitalization. Seldom is failure attributed to a lack of an effective action plan that might have modified the behavior of prospects and other collaborators in a positive way, thus averting that failure. So why support your new venture with press release public...more
On Jan 1st 2005 a new online payment processor and wealth-building system will be arriving on the Internet. PayAce's CEO Pedro Dispenza kindly took time out to answer some questions about this new service. Interviewed by Bryan Small 2004 [Bryan]...more
Cell phone accessories would include antennas, batteries, cases, faceplates, holsters, holders, hands free kits and a few others. Antennas are to boost your signal and an additional battery may be a good precaution. A car charger could be a good...more
Cellular phones are used by millions of people in the United States and around the world. They are such a great device! With a cell phone, you can talk to anyone on the planet from just about anywhere! These days, cell phones provide an incredible...more
Last week, I cheated on my long-time lover Google, with my old boyfriend Yahoo. And ever since that day, I have considered becoming a bigamist.(To full understand what that crazy drivel was about read my last article about how to get your RSS feed...more
With all the excitement regarding high protein diets, one area that is often not talked about is a diet rich in protein can be a major contributor to bad breath. Actually, there are several causes of bad breath, many of which most people have given...more
Here are 8 things to consider, when evaluating lenders online: Website Design Privacy Policy About Us Popularity Reputation Short Form Points, Fees, Terms and Rates Communication1. Website Design: The webpage is, in fact, the storefront of the...more