What are Credit Cards?
In layman's terms, credit card is a small piece of plastic that easily fits in your wallet and acts as a substitute for cash. However, that's really a layman's definition. A credit card is actually an agreement of credit between you (the person who uses the credit card) and the financial ... more...

Second Mortgage Sub Prime Lenders For Bad Credit
Sub prime lenders offer second mortgages to people with bad credit. Charging slightly higher rates for the higher risk level, sub prime companies help you access your home's equity. With so many lenders online, vying for your business, you can find better rates by shopping around. Even with poor ... more...

Factors That Affect Your Mortgage Rate
There are going to be many factors which affect your mortgage rate, some of which are under your control and others which you can do nothing about. You should be aware of all of the factors which might affect your mortgage rate and take them into consideration before applying for a mortgage loan. ... more...

Mortgage What, Why, When, and How?
What is a mortgage? Heres what The New Merriam Webster Dictionary definition is: a transfer of rights to a piece of property usu. as security for the payment of a loan or debt that becomes void when the debt is paid. Thats as plain and simple as it gets, you pledge the property that youre buying ... more...

Debt Elimination 4
Planning For Debt Elimination Without Surplus CashPreviously we looked at using surplus cash each month to chip away at those outstanding loans, on our long road to debt elimination. But what can you do if there is no surplus cash every month?So, you have examined your monthly outgoings, and there ... more...

Are You Addicted to Selling?
The definition of Motivation in Webster's Dictionary: Motive - the sense of need, desire and fear. Based upon this definition, some sources of motivation can be dysfunctional and that is why it can be so addictive.Do you want to be motivated by need, desire and fear or your values? Values are the ... more...

Slugging It Out In The Trenches
In an effort to introduce a shaft of sunlight into a particularly gloomy conversation, I recently asked a gardening acquaintance of mine to explain the difference between a slug and a snail.For the next twelve minutes and seven seconds, this horticultural monomaniac held forth on the most minute ... more...

Leverage - Margin Debt
What is leverage?Here is a definition of leverage from an online dictionary "leverage - The use of credit or borrowed funds to improve one's speculative capacity and increase the rate of return from an investment, as in buying securities on margin."Essentially, the core idea of leverage is that ... more...

Mortgage Marketing
W. Edwards Deming said Marketing and innovation are the only source of value in business, everything else is a cost. And he was right.The only thing that adds to your bottom line is demand for your product. Demand is created by offering people products they want (innovation) and effectively ... more...