When somebody has done something good, it is right to provide him or her some rewards. For all the hardships and continuous service to the community, a worker is entitled to all the required benefits in exchange for all the services that he or she has done.It is for this reason that retirement benefits are extremely important. It is solely the best gratification one could ever have after so many years of working hard.In the military, people who...more
A "Lo Doc" or sometimes call "Lo Doc Home loan" are mortgage or home loans where documentation for verification of your income is not required. However, all other documentation is. These loans are ideally suited to self-employed, independent contractors, investors, credit rating impaired, ex-bankrupt or clients with arrears on current mortgages and borrowers who have been rejected by traditional lenders. Including people with suitable incomes but...more
As clients meet with me to discuss leadership, inevitably the conversation turns to decision-making. Making decisions is one of the most taxing job responsibilities that leaders have. In my experience, leaders suffer more than they should because they make too many decisions. Too often, they fail to ask, "Whose decision is it?" or "Who is the decider?" When leaders take the burden of responsibility too far, they either want to protect others from making tough decisions or they want to extend their power. The result is often poor decision-making because these leaders do not have sufficient information. And the team members who should have made the decision do not gain valuable experience. Instead of adhering to the old Harry S. Truman adage, "The buck stops here," these leaders should do a better job of clarifying job responsibilities, trusting their team members to make good decisions, and then holding them accountable. Lord Carrington, whom I knew for a brief time, was minister of the British Defense Department during the Falkland Islands war. The war was launched because of a mistake a radio operator made on one of the frigates out at sea. Lord Carrington was obligated via...more
Is your business missing out on valuable tax deductions you can take for the use of your personal vehicle for business purposes?If you haven't done so already, you should definitely beat a path to the door of your local office supply store and pick up a notebook for logging the mileage you drive to conduct business—and be sure to log the miles you...more
HUD reverse mortgages can be a great tool for Seniors that are looking for additional funds for retirement. Through a HUD reverse mortgage, seniors can tap into the equity from their homes without having to make repayments.HUD Reverse Mortgage EligibilityHomeowners must meet the following criteria in order to be eligible for a HUD reverse...more
Credit Cards For Anybody?Credit Cards are widespread all over the US as well as worldwide and are accepted Internationally as a very convenient mean of payment either in person at stores, via the phone and the Internet or on signed forms via the fax.Does anybody can obtain this much quested plastic money?Well, to answer that we would have to understand how this credit screening and rating system work and what are the qualifications to be approved.Credit HistoryThere are three major credit bureaus that keep track of our bill-paying habits and credit history reports that are collected, stored and sold by credit bureaus.Credit reports are also called credit records, credit files, and credit histories.There are three major credit bureaus and thousands of smaller ones.Experian Credit Bureau (formerly TRW): - http://www.experian.com/Tel: 800-301-7195 (Cost: $8)Equifax Credit Bureau: - http://www.equifax.com/Tel:800-685-1111Trans Union: - http://www.transunion.com/index.jspTel: 800-916-8800Federal law was passed in 1970 to give consumers easier access to, and more information about, their credit files. The Fair Credit Reporting Act gives you the right to find out the information in your...more
Value Investing refers to a philosophy or practice of buying stocks that are fundamentally sound, but the stock price is below its obvious value. There are various indicators that Value Investors use to determine that a company is both sound and the...more
If you're young and just starting out credit cards are certainly convenient and can help you establish a good credit history, which will be important when you need to make major purchases down the road. However, carrying a credit card comes with big...more
Having a web site and being visible on the net can be really exciting. After years of hard, but interesting work it can reward with a million dollars or simply fall into oblivion. The only way to keeping head above water is continuously provide a...more
How often do you find yourself saying: "I wish I knew how to learn more about this topic"Well, we were listening! And this article is the result. Today human resources management is opening up new horizons in many different offices around not only...more
Home equity loans are an extremely popular source of credit. Lenders offer dozens of varieties of loans making it very easy to tap the equity in your home. If you browse the marketplace online, you will find most of these loans come with variable...more
These days, more and more people are placing importance on keeping physically healthy. This can be seen by the amount of people who are joining gyms and sports clubs, going on diets, and spending on private health insurance. One of the biggest areas...more