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, reference sheet and salary history.Think of the letter as a second chance. Some people don't interview in person as well as they can write. Living up to the standards your resume set for you may be...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 bankruptcy. It is not impossible though. There are many companies online that will help you refinance your home.Here are some tips to consider when refinancing after a bankruptcy:Even though interest...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 professional with your resume, cover letter, reference sheet, salary history, letters of recommendation, follow up note, and any other personal marketing materials you've used while job hunting. You went out of your way to make sure that the interview went well, and probably did your homework on the company before going in for that first interview. Now using a job acceptance letter will be a capstone on all your work, and perfect the positive professional image you've tried to convey throughout the job search and hiring process.Of course, if you've never written one before you may have questions as to what it should contain and how it should look. Here are the basics: it should be on the same paper your resume and cover letter were on, preferably a light gray or ivory linen, laid, or parchment paper or one of the new sandstone papers. It should have a letterhead that matches the other personal marketing materials you've used. It...more
Debt settlement and debt consolidation both offer ways of reducing your debt. Debt settlement eliminates part of your loans, while debt consolidation reduces interest rates. Even though debt consolidation has the least impact on your credit score, there are cases when debt settlement is a better option.Lower DebtThe goal of both debt settlement and...more
There are gems and there are duds of any business. This is true of debt management programs as well. Your money is very important to you, so you should choose a program that has the best reputation for success. Reviewing the number one debt management programs is your best option for choosing the company that is right for you.Certified - One thing...more
Refinanced mortgages have a couple of different rules when it comes to closing. For one, there is a mandatory rescission clause for primary residence mortgages that allows you annul your loan. You can also choose to close at anytime, which is beneficial if you think rates will drop in the near future.Rescission ClauseWith a rescission clause, you have three days after closing to cancel your loan if the property is your primary residence. Think of it as a "cooling off" period. If you have second thoughts, you can annul the loan and recoup nearly all the fees.Most often this clause comes in handy when homeowners are deciding to tap into their home's equity, but then change their minds. Other times, a change in job situation or home plans makes the refinanced mortgage unnecessary.Once you have annulled your mortgage, you will only have a short term hit on your credit score from the lender's background check. It will make little difference if you decided to apply for another loan in the near future.Delaying ClosingYou don't have to close your refinanced mortgage within 30 days. You can keep it open indefinitely. However, you have to weigh your choices carefully. While you are waiting...more
You can lower credit card debt through a variety of options. Consolidating your debt into one loan can help lower interest rates and monthly payments. If you need additional help, you can use a debt management or debt negotiation company. Both offer...more
Low interest debt consolidation loans can help you pay off your debt sooner. For the lowest rates use your home equity to secure a loan. You can also find personal loans that will reduce your interest payments. Otherwise, transfer your credit balance...more
How to write a thank you letter to use after an interview, a phone interview, or even to someone who passed your name on to a hiring manager is an art that is not taught as often as it should be by placement services and others who help job seekers...more
Many reputable debt management companies can help you deal with your debt problems. You can work with a credit counselor to create your own plan to pay off bills. Companies can also help you reduce your debt through debt management plans,...more
First a little story about buying investment property. My wife and I stayed at a motel in Tucson for a week one winter. Our bill was for twice what it should have been, but since I already paid the correct amount in cash, I thought nothing of it....more
A cash-out mortgage allows you to refinance your mortgage and pull out part of your equity. Before deciding how much to cash to use, be aware of the impact of PMI and equity amounts. However, you may find the benefits of refinancing outweigh the...more