Not many people spend too much time thinking about it, but every one of us, has a computer file somewhere that contains all the information that makes up our credit history. This information will include our current and previous addresses, our income level, our outstanding debt and how much extra credit we currently have available to us. It will also show things like our repayment habits, whether or not we pay bills on time and if we have had any...more
When the New Year is upon us most smart business people take inventory and make plans for the coming year. Most of these actions focus on external items, like deciding on how many widgets you are going to make and sell, or how many new clients you hope to acquire by the end of the first quarter. While this type of inventory and planning is necessary, it is important as a business leader that you take time to inventory and plan for your own...more
In today's 24/7 business environment, burnout is a major problem among business executives. How much time and money is your company losing because of executive burnout? Do you know you can avoid burnout in your staff--and reap higher profits? Here are four things you can do this week to avoid business burnout now and in the future:Focus on self-transformation. For example, practice re-writing your job description given your evolving challenges, and think about how to become the perfect candidate for the job you already have. A leader who focuses first on self-transformation will have the energy and perspective needed to thrive. A focus on self-transformation also inspires confidence from employees, and can keep a leader attuned to issues of organizational transformation. Bob Carlson, board member and recently retired co-CEO of Reell Precision Manufacturing in St. Paul, MN, took seriously the challenge of living up to Reell's values and principles and in the process, found himself transformed: "Having to frame decisions within the context of Reell's values and principles, has made me a better person." As a result, he found that he had more energy, made better decisions, and that...more
Homeowners often become very interested in the Federal Reserve Bank system. Every time the board of directors meets, mortgage interest rates are at risk.Federal Reserve BankThe Federal Reserve System acts as the central bank of the United States. Created in 1913, the Federal Reserve sets monetary and financial policies for the financial industry...more
When I became a coach six years ago, I had a dream that took me a while to admit toeven to myself. What I really wanted to do was to combine the two great passions of my lifecoaching and working with horsesbut I had no idea what that might look like. As I bravely shared my fledgling dream with others, people began to point me to other people...more
If you are interested in buying a new home or refinancing the one you are currently living in, but think that you are out of luck because you have bad credit, think again.The mortgage industry is probably larger and more diverse than you realize. You no longer have to go down the street to your local bank to get a mortgage where they only work with people with excellent credit.There are literally thousands of mortgage lenders across the United States, better known as wholesale lenders with programs specializing in lending money to people with challenged credit.These lending institutions are called wholesale lenders because they work with brokers, who in turn, find the wholesalers customers.A broker is not a lender, they council and educate you during the mortgage process from beginning to end, they also are responsible for finding a lender to accommodate your mortgage needs. Mortgage brokers have access too literally hundreds of lenders across the country. So chances are, they can find you a lender with a specific program to fit your needs. Regardless if you have poor credit or need a program that offers no money down.Keep in mind, the mortgage industry is a very competitive one,...more
Lenders label individuals with no credit history as 'high risk'. Being considered 'high risk' can be the 'kiss of death' when it comes to getting approved for unsecured loans. Why? Because unsecured personal loans require no collateral. So, the...more
So you enjoy making wreaths and have decided to go into business for yourself. Congratulations, that sounds like a positive idea and hopefully will be a profitable one. First, however, you will want to make your business plans so that your start up...more
Credit card bills can be expensive. Sometimes they can be simply too expensive. Depending on how you use your credit cards, and how much you spend, and how disciplined and controlled you are over your own spending, you may or may not have trouble...more
Information products are one of the hottest selling items on the Internet. And for good reason. Where else can you get timely, relevant information that is exactly what you want...even at 2 am in the morning?The problem with information in books at...more
For many people, their credit card appears to be free. Apart from the interest they pay on their outstanding balance at the end of each month, they do not pay any other fees for the convenience of the credit card. While this may be true for some...more
To save money on your credit cards, doesn't always necessary mean that you have to switch providers to get a better deal, far from it as you can always start on your own doorstep and ask your current credit card lender if they can offer you a better...more