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HUD's Proposals For Reform
October 19, 2002 On July 29, 2002, HUD released a set of proposals to substantially change the ways in which home loans are originated in the US.  As usual, the proposals were open for comment, and many thousands of them were received.  Mine was among them, and is shown ... more...

Second Mortgage Versus 401K Loan
July 10, 2000 "I need $10,000 for a home improvement.  I can either take out a home equity loan or I can borrow from my 401K retirement fund.  Would the tax benefits on the home equity loan outweigh the advantage of ... more...

american home remodeling real estate your search uk survey related definitions

Home Equity Loan
Home Equity Loan A home equity loan is borrowing against the equity you have acquired in your home. Lets suppose your original mortgage was $175,000.00, but your house is worth $225,000.00. The difference is $50,000.00. ... more...

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

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Hot Business Trends for 2004 And Beyond: Maybe One Will Turn Into a Creative Business Idea for You
I always look forward to the December issue of Entrepreneur magazine. Thats the issue that features the publishers annual pick of hot businesses, markets, and trends for smart entrepreneurs or those who aspire to be. Some of the high tech businesses cited like mobile gaming or online learning ... more...

Should I Still Buy Real Estate After All That Has Happened?
Rehoboth Beach Delaware is called the Nations Summer Capital because we are such a common second home and entertainment location for the powerful and influential people of Washington D.C. There are few people making over $75,000 a year in the DC professions who do not frequent this area when they ... more...

Advertising Agency In Boston: Tips and Tricks
The big news on Wall Street last year was the initial public offering of Internet search engine Google. If you were a visitor from another planet, you might be asking yourself, What big, sophisticated, high-technology company is behind the success of Google? Could it be IBM, Microsoft, Intel, Apple ... more...

Tomatoes: History, Origin, Facts... or Fiction?
A tomato importer, John Nix, decided to challenge the law after scrutinizing the Tariff Act. His case relied on the fact that tomatoes were a fruit and not vegetable, therefore, it should not be subjected to the Tariff Act. Nix's objections brought the case to the Supreme Court in 1893. Although ... more...

Brand Value Plan - Brand Identity Guru
Developing brand value is critical to every organization and when professionally executed, delivers a clear and measurable competitive advantage to your firm. It does so by helping you establish a positive connection and value-relationship with your customer, which, over time, will build brand ... more...

Brand Value - Brand Identity Guru
Successful Guru marketers have a secret weapon that they use every single time they communicate about their businesses. It's one of those intangibles that are easily misunderstood. It's the ability to generate excitement about what you have to offer. And when your prospects are excited about your ... more...

Say "Bah, Humbug!" To Holiday Debt: Avoid the "Holiday Hangover"
Ah, the holiday season! Turkey and dressing, pumpkin pie, office parties, jingle bells, and lots and lots of eggnog make the season a delight. But all fun and reindeer games aside, you have to be careful to make sure you don't wind up as poor as Tiny Tim! Americans can spend as much as $1,000 a ... more...

Branding Web Strategy Mistakes - Brand Identity Guru
1. Lack of overall strategy and clear definition of success:Most people realize the need for a site, but don't understand what it can/should do for the company. And when they do have a goal, they don't measure it. We'll often ask people, "What are the objectives of your site?" Answers vary from ... more...

Build Brand Identity - Brand Identity Guru
Successful Guru marketers have a secret weapon that they use every single time they communicate about their businesses. It's one of those intangibles that are easily misunderstood. It's the ability to generate excitement about what you have to offer. And when your prospects are excited about your ... more...

Google Takes Manhattan
Google's Internet search brand is so strong that we forget how big a player it's becoming in the world's advertising markets. Even when we read the latest forecasts about its growing success, we tend to think exclusively about Google's online brand image. That powerful brand image tends to hold ... more...


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