How to Use a Home Equity Line of Credit Calculator
Most home owners know that the lower the interest rate, the lower the monthly payments. But then the process may get a bit fuzzy. While your monthly payments may be the same every month, you are not applying the same amount to the principal of the loan. Your amortization will vary month to month. ... more...

Buying Properties in Foreclosure and Pre-Foreclosure!
Foreclosure is a legal process that a lender initiates after the borrower fails to repay the loan as per the terms of the contract. The lender initiates the foreclosure process to reclaim the possession and ownership of the property. If the borrower misses three consecutive monthly payments(state ... more...

Choosing Your REALTOR
With so many realtors competing for your business, how do you know which one to choose? Here are a few things to consider when choosing a realtor.The most important decision you will make in the sale of your home is the Realtor you choose.Some points to consider:Find someone you feel comfortable ... more...

Beat the Fear of Canines
You need to realize that your fear is mostly in your mind. Dogs rarely attack unprovoked but this extreme fear usually begins in childhood from a small snap or being chased by what is often a small dog. Now that you are grown up this fear can be quite troublesome. As an adult the fear is caused ... more...

Go Guerrilla
Jay Conrad Levinson coined the term guerrilla marketing, which I define as low-cost, creative and typically self-implemented public relations techniques.Here are a few thoughts that might spawn some ideas for your own business.* When you can't get in to see a prospect, try clipping half a $20 bill ... more...

10 Elements Every Direct Mail Piece Should Have
Dont want your direct mail to end up in the trash with the rest of the unread mail? Studies show an effective direct mail campaign should draw a .5 to 1 percent response. These 10 tips will help you get the results you want:1. A clear, bold headline. On the envelope or front of the mailer there ... more...

How to Sell Your House For Full Price
Many people believe that a real estate broker is needed to sell their house. So they post it with a broker who may or may not sell it and if they do charge exorbitant fees. One would think that that commission would inspire to work harder for you. In some cases it does. In many others though, we ... more...

To Buy A Fat Pig
What does buying a fat pig have to do with your business? Stick with me and all will be revealed.Does your business have a tactical and a strategic way to go to market? Let's go down to Mr. Hoover's butcher shop to see how it's done.Mr. Hoover has been selling bacon and other pig products for years ... more...

Real Estate Investing and Home Ownership
If you already own your home, you will probably make money in real estate without ever buying another property.The home you are currently buying with a mortgage is probably one of the most valuable appreciating assets you will ever own.You are making money by living in your own home, even if you ... more...

5 Things to Look for in a Property Appraiser
Homeowners who are seeking a property appraiser often ask How should I choose which real estate appraiser to use? When selecting a property appraiser, keep the following in mind:Always make sure a property appraiser is licensed or certified by the state to perform real estate appraisals. While ... more...

Moving Checklists
Send change of address to: Post Office, Charge Accounts, and Credit Card Accounts, Friends & Relatives, and Subscriptions: Notice requires several weeks for magazines.Notify:Bank: Transfer funds, arrange check cashing in new city.Insurance: Notify new location for coverage (life, health, fire, auto ... more...

Your Life Just OK? It Doesn't Have To Be That Way! Live the Life You Really Want To Live!
I have some questions for you. Are you ready? How would your rate your life on a scale from one to ten; 10 being fantastic and 1 being the worst it could possibly be? Are you happy with the most important aspects of your life? And note that I didnt say are you content or are you satisfied. I ... more...

6 Proven Wealth Building Strategies
Building wealth is as simple as saving a little bit here and a little bit there. You need not have great riches in order to accumulate wealth, but you need to have the drive, determination, and discipline to successfully increase your wealth. Lets look at 6 proven wealth building strategies you can ... more...

Credit Report Hassles
There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it. Do you know how many people did not get a job because their credit report was awful? ... more...