option arms: Shopping for the Right Mortgage - 05/05/07 08:18 AM
Finding a mortgage that's right for you should be easy. There are literally hundreds of options to choose from, including Fixed Rate, Adjustable Rate, Hybrids, Interest Only, Monthly Option ARMs, and Pay Select Mortgages, to name just a few. Mortgages are available at rates ranging from an introductory rate of 1.00% … (1 comments)
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option arms: Enhance Your Role as the Gate Keeper: Take Your Business to a New Level - 05/05/07 08:07 AM
As every professional knows, it's important to have a reliable network of referral partners who regularly send business your way and to whom you send clients as well. But according to Business Network Int'l. founder and networking expert, Dr. Ivan Misner, it's possible to take these relationships and their resulting benefits … (0 comments)
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option arms: ON−Time: Take Time Out for Planning - 04/29/07 08:20 AM
Have you ever had days, weeks, or even months go by when you were frustrated in your work activities because you failed to implement the things that you know you need to do in order to be more successful? Perhaps you've taken pages and pages of great notes at seminars on … (1 comments)
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option arms: An Inverted Yield Curve: What It Means to Mortgage Rates & Programs - 04/28/07 07:34 AM
The U.S. economy, interest rates, and the housing market are frequent topics on the nightly news. Viewers are told about leading economic indicators, how the stock market has performed, and whether the Federal Reserve is planning on changing interest rates. What isn't explained is how these items are interrelated and how … (0 comments)
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option arms: Marketing to the Better Half- Don't Leave Spouses Out of the Equation - 04/28/07 07:27 AM
Marketing guru Faith Popcorn, who is considered a trend expert, posed this insightful question to an audience in San Francisco back in 1999: "Since men and women are obviously different, why do we continue to market to them in the same way?"
Let's take Faith's concept a step further: When meeting with … (0 comments)
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option arms: Strategic Financing: The Solution to Today's Changing Market - 04/27/07 07:35 AM
Interpreting one of the main challenges of today's mortgage market isn't as difficult as it might seem. With interest rates on the rise, a lot of consumers are extremely troubled by the negative effects of increasing interest rates on their Adjustable Rate Mortgages. Each month, they are forced to watch hopelessly … (0 comments)
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option arms: Trapped in Telephone Purgatory? Use These Short Cuts & Break Free - 04/26/07 06:43 AM
Does this scenario sound familiar? Your latest credit card statement comes in the mail, and there's an error. You know that it needs to be dealt with, but for some reason you keep putting it off. Then it hits you. The reason for your procrastination is that you just cannot bear … (0 comments)
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option arms: Victorville Facts and Information - 04/25/07 08:33 PM
Here is a link that will help you discover Victorville and some of the history behind it!!
Victorville, California - Wikipedia, the free encyclopedia
Hope you find this site informative. Please don't hesitate to give me a call if you need any more information.
… (0 comments)
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option arms: Gasoline $ense - 04/25/07 06:37 AM
In terms of the economy and its effect on our daily lives, there is no hotter topic than the outrageous prices we are seeing at the pumps. The maddening part is as consumers, we have zero control over these inflated costs. To make matters worse, there's always that person who says … (6 comments)
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option arms: Disaster Preparedness- Simple Steps Everyone Can Take - 04/24/07 06:48 AM
Natural disasters are a fact of life. Each area of the country has its own challenges, from hurricanes on the Atlantic and Gulf Coasts to tornados in the Plains and earthquakes in California. Regardless of where you live, it's important to have plans in place to ensure that you and your … (0 comments)
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option arms: The Art of Happiness- Making Each Day Your Best - 04/24/07 06:15 AM
In The Art of Happiness*, the Dalai Lama shares this powerful insight into life: "I believe that the very purpose of our life is to seek happiness. That is clear. [Regardless of religion], we are all seeking something better in life. So I think the very motion of our life is … (3 comments)
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option arms: One-of-a-Kind Gifts - 04/23/07 07:45 AM
Purchasing a gift can be a stressful experience. Whether you're buying for a close friend or a mere acquaintance, the same questions arise. Will they like it? If the answer is yes, then it could be that they already own it! If you choose to go the safe route and buy … (1 comments)
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option arms: College Savings Plans - 04/23/07 07:21 AM
Saving for your child's education just became a bit more complex as a result of the new tax bill passed last May. The Uniform Gifts to Minors Act (UGMA) is a popular program which allows minors to own stock in their name and, if they fall between the ages of 14-17, to … (0 comments)
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option arms: Where Your Tax Dollars Go - 04/22/07 08:27 AM
The US government expects to collect some $2.6 trillion in tax revenue this year! That's a 6% increase over last year, and a 13% jump since 2005. With the tax season behind us, did you ever wonder how your tax contributions are spent? Well, according to the government's 2008 budget, nearly … (2 comments)
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option arms: The Pitfalls of Plastic - 04/22/07 08:19 AM
Credit cards are a great tool when it comes to building up a good credit history. However, according to a recent report, credit card debt in America reached nearly $800 billion in 2005. How can you obtain the benefits while avoiding the pitfalls? Here are some dos and don'ts:
Monitor your … (0 comments)
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option arms: Subprime Changes the Lending Landscape - 04/21/07 08:44 AM
The effects of the subprime crisis are becoming clearer with each passing day. According to the Wall Street Journal, tightening guidelines and fewer available products are creating challenges for borrowers with credit issues. If you're thinking about taking on or refinancing a mortgage, your credit score will be crucial when it … (0 comments)
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option arms: First-Class Mail is Forever Altered - 04/21/07 08:09 AM
The US Postal Service has introduced the "forever" stamp. This special stamp, good for any first-class letter weighing up to one ounce, is valid forever, no matter how much postal rates increase. That means consumers can purchase these special stamps at today's rate and use them for years to come, even … (5 comments)
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option arms: The Five Factors of Credit Scoring - 04/20/07 06:39 AM
There are five factors that comprise the credit score. They are listed below in order of importance, just as an underwriter would look at the score:
Payment History: 35% impact. Paying debt on time and in full has a positive impact. Late payments, judgments and charge-offs have a negative impact. Missing a … (0 comments)
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option arms: Personal Note Cards- Powerful Marketing Tool - 04/20/07 06:25 AM
The business professional with the most friends WINS! Period. The formula for success is that simple.
The power to attract people is what gauges success. The more people consider you a friend and a business professional, the greater your potential for success. Your existing client base, if managed properly, can become your … (6 comments)
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option arms: Write−offs to Remember: Deductions in the Loan Process - 04/19/07 07:18 AM
Write-offs are the government's way of rewarding taxpayers when they've done something the government likes. And to judge by the write-offs, the government likes it when people borrow money to buy a house. There are write-offs aplenty, many of which people often forget. Make sure you take advantage of every break … (0 comments)
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