Debt consolidation mortgage loans can help you lower your interest rates and monthly payments. With reduced rates, you can also pay off your debt sooner. However, reducing your equity could subject you to private mortgage rates. You may also end up spending more on interest payments by delaying payments.Saving With Mortgage Interest RatesMortgage interest rates are much lower than credit card or unsecured loan rates. Consolidating your debt with...more
The following cover letter sample gives an idea of what most job hunters should do when composing these. It consists of only a very few paragraphs, and is therefore short and easy to read. The reason for this sample being short is simply because hiring managers are extremely busy and will not read long letters. They may glance at them, or skim them for statements that jump out at them, but they probably will not have time to read them. Use...more
Saving money with lower rates isn't the only reason to refinance. Opting for a shorter loan can also save thousands in interest and free up income in the future. A short term loan can also help you pay down your principal quicker.Better RatesA 15 year mortgage has a better rate than a 30 year mortgage offered the same day - usually by a quarter of a percent. However, even if rates are the same as your current mortgage, refinancing to a shorter mortgage can save you thousands in interest by paying off the principal sooner. Your monthly payments will be slightly larger, but that is because a larger portion of the balance is being paid.Offers Self-DisciplineShort term loans make your decision to pay off your mortgage official. For those that have a hard time making extra payments on their mortgage, a short term mortgage may be the answer.It is helpful to first look at your long term financial goals. Perhaps you are planning to pay for kids' college tuition, to retire, or to reduce your debt load in the future. Decide when you want your mortgage paid off and look at the monthly payments. You can choose a number of periods - 15, 20 or 25 year home loans.Factors To ConsiderLow rates...more
"Public Relations is really all about communications tactics and publicity." Sorry, no. Whether you are abusiness, non-profit, government agency or association manager, PR actually is all about a high-impact action plan which does something meaningful about the behaviors of those important audiences thatmost affect your organization; creates the...more
You can access your home equity without the cost of refinancing with two financing options. A second mortgage will give you a lump sum check with a fixed or adjustable rate. A home equity line lets you tap into your equity when you want to. Both options allow you to write off interest on your taxes and avoid high financing costs.Benefits Of A...more
Using a thank you letter after interview practice will make interview practice seem real. Adding this sense of realism will do nothing but help you when it comes time for a real interview. You'll be comfortable and at ease and ready to present a real thank you letter, after having practiced the scenario beforehand.With that in mind then going all the way in rehearsing for the interview and using it after interview practice just makes sense, and most serious job hunters will at least consider it as a technique that could help them impress a prospective employer and land the job of their dreams.Preparing one to use is really quite simple. Sit down and write out a few paragraphs stating some general feelings about why you would be an asset to the company you are applying to. Look at your resume and find the two or three most important key points. Then write it accordingly, reminding the interviewer of why you would be a good employee for the organization he or she represents. Invite some friends over to practice interviewing. A thank you letter after interview practice will be the next step. Pretend with your friends that it is the following day after your interview. Still...more
Falling victim to this #1 pitfall is the business, non-profit, government agency and association manager who fails to achieve the best that public relations has to offer. And that's because he or she is preoccupied with simple communications tactics...more
Debt plagues millions of people all over the world. Debt can be a positive thing. For instance, if we never had any debt we would never be able to buy a house or a car. Debt is necessary in many cases, but for some people it can get out of hand....more
Sub-prime mortgages don't mean you have to pay excessively high interest rates to buy a home. By taking time to do some research and pick the right terms, you can save thousands on your mortgage. The following five tips will help you get low rates...more
The interview follow up letter can make or break your chances of becoming hired. For that reason it should become an essential part of your job hunting tool box, right in there with the other tools you use: resume, cover letter, thank you note,...more
Have you filed bankruptcy since you bought your home? Are you now looking to take advantage of lower interest rates by refinancing your home? You will probably soon realize how much more difficult it is to finance or refinance a home after a recent...more
Using a job acceptance letter when offered a position shows true professionalism. It is a way of saying "thank you" to the person who hired you, and giving them assurance that they made the right decision. You have presented yourself to them as a...more