When you work at home, one of the biggest challenges can be keeping the kids busy. There will be the days when the usual tactics won't distract them, but you just have to get some work done. It might just be time to do something the kids won't expect.Some work at home jobs and businesses may not require you to actually be at home. Can you bring a laptop or briefcase and work at the playground, library or fast food restaurant? You'll still have to...more
Has anyone ever said to you, "Your price is too high and I'd like a discount." In this article I outline two approaches for responding to this comment. One of the approaches even has the potential for you to make a bigger sale than you originally anticipated. Curious?First, giving discounts in the right way may well be the most appropriate thing to do. Conversely, giving a discount in the wrong way can not only lose you a sale but could lose you...more
There are a great many traps and scams that exist in the world of payday loans that will only leave you with less of your hard earned cash and a tremendous headache. Instead of having to deal with these scam artists after you find yourself in the position of being a debtor, research all your available options so you do not end up as the victim of a well placed trap. There are a fantastic array of loan agencies in both the physical world and the virtual one with offers that sound too good to be true—and they usually are!One popular trap is the high interest loan. Certain loan companies dangle promises of low introductory rates in front of potential customers, only to slam them with outrageously high interest rates at the end of the day.Before you take out a payday loan for any amount, check rates at a variety of companies. Utilize websites like BasicLingo.com to find competitive rates for a number of loan companies. This will ensure you choose the correct company and avoid any potential traps.Another popular trap is the one of hidden fees. In addition to the interest that must be paid in full in order to terminate the loan, some companies tack on pricey extras that can leave you...more
The toy industry suffered a major setback during therecession. Thankfully, it survived but the products comingout of the toy industry of late are quite boring. Onewonders where has all the innovation gone? If you have anoriginal idea to sell to the toy industry you will need togo about it the right way or else suffer rejection andfrustration.Toy...more
Here are some helpful and realistic tips to buying a home.Get pre-approved for a mortgageGetting a mortgage pre-approval will save yourself the grief of looking at homes you can't afford and put you in a better position to make a serious offer when you do find the right one. Don't just get pre-qualified for a mortgage, which is based on a quick...more
A mortgage is legal agreement or contract that says that a party has agreed to put up a property, a house or a piece of real estate, as security to get a loan. By doing this, the person getting a loan can buy a piece of property that he initially cannot afford. Still, if by any chance, he cannot pay for the loan, the bank will have to foreclose the property and resell it to others. The lender will hold the title of the property until after the full amount of the loan is paid for plus interest. Depending on the terms of the loan, repayment can last until a couple of years. Two of the most common mortgages in the country are the fixed-rate mortgage and the adjustable-rate mortgage. As shown by the name, fixed-rate mortgage has an interest rate that stays the same all throughout the life of the loan. If for example the loan is termed for 10 years, then the interest rate will stay fixed regardless of the increase or decrease of the market rates. With adjustable-rate-mortgage, the interest rate can change at the end of the pre-determined intervals. For instance, if the agreement says interest change in periods of six months, then the rate will assume the market rates after the six...more
Millions of people make use of payday loans every year, and their number is increasing. Yet the payday loan industry is also the favorite whipping boy of several organizations. The allegations against the industry are well known: that they charge a...more
There are two aspects of real estate and marketing that are paramount to your success as a real estate professional; the acquisition of new customers and the retention of old ones. As is the case in other industries the cost of acquiring new...more
If you are like me, you receive multiple 0% APR credit card offers on a daily basis. Up until about a year ago, I would just throw them away. Then I wised up and saw an opportunity. Not only could I consolidate my current credit cards, I could...more
Something For Nothing SyndromeLet me be perfectly honest with you, there is no such thing as something for nothing, but you already knew that didn't you. Then why are there so many home based business and success programs being sold by way of TV...more
As the competition for talented people picks up, forward thinking managers need to assess how they are positioned to keep their good people and attract some more.Get the basics rightPeople who have choices, and good people normally do, look for...more
I am delighted to say that I am a credit card deadbeat! In fact, some of you might already be credit card deadbeats too, if so, I commend you for your excellent work! Now, as for those who don't know what a credit card deadbeat is, before you start...more