A no income verification home equity loan is a second mortgage loan that does not require you to provide income documentation to qualify for the loan. This type of loan is great for homeowners who need a home equity loan but have hard to document income.The majority of borrowers with hard to document income are either self-employed or commission based employees. Consumers who fall under these categories may have high income but have a lot of...more
It's no secret that many people who attend seminars, workshops and conferences have great difficulty in implementing the ideas.They get all hyped up and excited on the actual day, write a book full of notes and proclaim to everyone in earshot that "this is it! I have found the magic pill that will transform my work and my life."I know how overwhelming it can be when participating at these events. By the end of the day my brain goes into...more
Do you remember the last time you went into a shop and the person 'serving' raced over to you, greeted you with a lovely smile, heaps of enthusiasm and said, "Welcome to our store, what can I help you with today?" And then listened attentively to what you had to say?Doesn't happen very often does it? In fact, while I was writing this, I couldn't recall when I had experienced it. I'm sure I must have yet it would have been so long ago, I can't remember.Let me tell you what happened this week I belong to a well-known trade exchange which I have found very useful for my business. I wanted to purchase a suitcase from a particular store which usually takes trade dollars. From time-time the store will limit the use of trade dollars if they have reached their maximum for the month. Anyhow I quickly discovered this wasn't going to be my lucky day.I walked in and the assistant who was sitting down behind the counter (and remained there), didn't smile. She barely acknowledged me with what looked like a scowl. I had interrupted her reading time. (She was so busy, there was no-one in the store). I then politely (yes I can be polite sometimes) asked her if they were accepting trade dollars as...more
What would happen if the personal assistants in your organisation were away for a week? How would it affect the running of your business or department? How would it affect you personally?If you are fortunate to have a personal assistant whom you heavily rely on to assist you, in most instances you would find yourself run ragged if they were absent...more
Most people have no idea where their money goes. They earn it and they spend it.That's fine if you want to live from week to week and are not concerned about your financial future. However if you want to increase your wealth and have more options, action needs to be taken by you otherwise you could end up like most people further down the track,...more
Running a business or department can often stretch you to the limit.To be effective at doing what you do best, it's imperative to look at what tasks you can either delegate or outsource.DelegatingThis is an interesting word. For some people it means completely letting go of their responsibilities and getting someone else to do the work. Now that's all well and good providing that you train that person on how you've been handling those tasks. Show them how it's been done first. For many business owners and managers, delegating means completely abdicating all responsibility for a particular task to somebody else without showing them how. They expect that person to know immediately.Well, forget it. No wonder you often hear people say, "I tried to delegate that task but no-one was as good as me at doing it!" Or "I just couldn't find the right person who was capable of taking on those responsibilities". That's an interesting comment. Often people are given responsibilities for which they have had no training in and are then expected to know how to carry out those duties. A great example of this is when a person is promoted to manager/team leader and he/she is automatically expected to...more
Work addiction is very common in our society today, yet it is not one that is not highly recognised.An interesting article in the March edition of The Success Report published by Success Technologies stated:"Of all the addictions receiving attention...more
Do you realise that if you're green you're growing and if you're ripe you're rotten? So says Winston Marsh, Business Marketing Guru in his recent newsletter.Here's and excerpt from it ..."Over the last week or so I have been presenting a series of...more
Working from home can be a most effective way to be more productive! Today's open plan offices stop many people from getting their work done. The constant noise, phones ringing and colleagues interrupting can drive anyone to distraction!Many people...more
Running a successful business takes a lot of energy and there are so many areas that as a business owner you need to pay attention too.It's not enough to spend heaps of time, money and resources into getting buyers for your goods and services and...more
I've just finished reading a great book by Allan and Barbara Pease entitled "Why Men Lie and Women Cry". A true and humorous account of the differences between the sexes and full of practical ways to communicate effectively.I've enjoyed the book so...more
Last year I attended a presentation from Parenting Expert and well-known author, Stephen Biddulph on "Raising Boys". As I have an 11 year old son, I was interested to hear what Stephen had to say. In fact, so were the other 800 other parents in the...more