Divorce and Uncle Sam: Top 10 Things You Should Know When Filing Your Taxes
1. What is my filing status? (Married, Single, Head of Household) Marital standing at year end determines your filing status for the entire year. If you have a decree of divorce or separate maintenance, signed by a judge, you should file as single. Regardless of whether you have a signed decree you ... more...

Loan Officer Training: Learn How To Shape Realtors Perceptions
In medicine, a placebo is a pill that you think will make you better, and so it does. In your business, a placebo is a prospect having the experiences they expect to have, and so they have them.For example, you take your vehicle to get serviced. You walk into a clean lobby and are greeted warmly ... more...

Do You Want To Save Money Easily?
Living on credit is fashionable. Indulging oneself is fashionable. Saving money isn't.This is a pity, as it has much to recommend it. You have more peace in your life. The end on the month is simply a date on the calendar, rather than a countdown to the next pay-cheque. Purchases born of necessity ... more...

What Do You REALLY Want to Devote the Rest of Your Life To?
Bzz. Bzz. Bzz. That's the sound of your alarm clock going off again.You open one eye, peer at it. Ugh. You look at the clock again. Yep. 6.00am. You can't believe it. It hardly seems like you just laid your head on the pillow. You stretch, yawn, contemplate calling into work "sick" like you do ... more...

Insurance 101 - Undermining America for the Good of Americans
Insurance is like a myth. From one small seed of truth, a fairytale the size of 1000 giant sequoias has sprung up. Reality is blocked from view. Surely, youve noticed all the giant, sequoia-like buildings are owned by banks and insurance companies. Where do they get all that money? How much money ... more...

Why You Need a Durable Power of Attorney Now!
Planning for unfortunate events such as serious illness or injury is rarely on anyone's list of favorite pastimes. Sometimes, though, enduring the small discomfort that may accompany preparing for the unexpected will avoid untold anguish on the part of your family and friends. This is certainly ... more...

A Pastor's Dirty Little Secret
In the past 14 years Ive rubbed shoulders with more ministers than I can remember. Ive talked with ministers of large churches, small churches, and every size in between. Ive hung out with black ministers, Hispanic ministers, Episcopal ministers, Republican ministers, and yes, to my shame, even ... more...

Invisible Slavery System
Invisible puzzles are mechanisms hidden inside products and services you use, and the social/political systems you interact with. They are invisible due to the use of manufactured perception and deniability-tactics. These puzzles are designed to harness everyone's efforts to silently maintain and ... more...

Cold Feet!
Dear fellow Realtors, if there is a gratuitous piece of advice I can offer it is never to tell a Buyer with 'cold feet' that he needs not worry because it is not his money. I did it once and the result was catastrophic. 'Cold feet' is that special mental state by and through which someone - ... more...

What is a Bridging Loan?
A bridging loan as the name implies is a loan used to bridge the financial gap between monies required for your new property completion prior to your existing property having been sold.A bridging loan is in simple terms a short-term mortgage that is secured against the property that you are selling ... more...

Accounts Receivable Factoring - A Viable Cash-flow Solution for Small and Medium-Sized Enterprises
The pace of change in todays business environment is inarguably staggering. Growth of e-commerce; changes to business structures; evolving relationships; changes to funding arrangements; access to capital and its sources. All occurring at increasingly exponential rates. Fast. The fact that there is ... more...

Marketing Hat for Graphic Designers or Wannabes
Many people think that the quality of any graphic design is determined by how aesthetically pleasing it is: Although making the card look good is important, this couldn't be further from the truth. The only true measure of any design, at least commercially, is "How well does it pull?". By pull we ... more...

Tame The Financial Beast
Are holiday bills surprising you? Are you hoping that if you ignore your finances long enough, maybe they will fix themselves?Let's liken our finances to a garden. If we neglect the garden, weeds will grow and take over. The garden gets so bad we don't even want to look at it! But, with a little ... more...

Tips on How To Get Hired Everytime
Are you: Someone who can manage and be managed? Do you have a great Personality- can you represent and be an Ambassador for a company? Do you have Team/People/Conversational and Verbal skills? Can you work long after-hours and weekends? Can you find time to volunteer for company projects? Play golf ... more...

Why Every Homeowner Needs A Home Equity Line Of Credit
It's common knowledge that banks are more than willing to loan you money when you don't need it. But if you hit a rough spot in your financial life and need cash desperately. It's like pulling teeth to get the money you need.In other words it is much easier to get a home equity line of credit when ... more...