Homes For The Credit-Challenged
Posted on February 22, 2012 4:19 pm under General
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A good credit rating counts for a lot, when seeking a home mortgage. The process can be quicker and the interest rates lower. For many, however, the economy has had a negative impact on their rating. Home ownership is not beyond the reach of those with bad credit, but it may take more work. If you are in this situation, there are several steps that you can take to help you reach your goal. Read more »
Mortgage Criteria Constants
Posted on February 22, 2012 12:59 pm under General
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We tried to do everything right, when we purchased our first home. We spent three years saving for a down payment and kept our credit card balances at zero. That paid off, when we finally selected a home. We quickly received approval for a mortgage at a low rate.
Unfortunately, there were problems obtaining title insurance on the house and we were unable to purchase the home. When we found another house and reapplied for a mortgage, we were turned down by our own bank. The realtor advised us to apply for a mortgage with an institution that specialized in higher risk loans. The difference in loan rates was appalling. Read more »
Family Legacy
Posted on February 16, 2012 5:48 pm under General
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My parents felt it was important to leave something for their children. They meant money, of course, and they were concerned that they hadn’t accumulated enough. I never thought of their legacy in terms of cash. Parents, who provide love, support and values for their children, leave a legacy of immeasurable value. I was reminded of that legacy again, when I read about the Hemraj Goyal Foundation. Read more »
Clipix: Easy Organization and Sharing
Posted on February 16, 2012 1:22 pm under General
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A couple months ago, we began talking about ways to organize our spices. My daughter hardly has time to breathe, so I did the research. I bookmarked several great ideas, but sharing them wasn’t as easy as I’d hoped. We had to open each bookmarked page and I had to scan the page to find the item I’d liked. Then we kept bouncing from tab to tab, trying to compare the different features and prices. Surely, there had to be a better way.
Since learning about clipix, I know that there is. Clipix is a free tool that lets you organize all the things you see online and want to save. It is easy to install and easy to use. You simply drag the Clip button to your bookmark bar. Then, when you see something you like, click the Clip button. You can organize your clips into groups (called clipboards) and choose to share them or keep them private.
I think that clipix is perfect for storing gift ideas.
Notice that prices are displayed with the gift idea. This is great for comparison shopping or choosing several items that will fit in my Christmas budget. Clipix adds the price automatically for most items, but you can also add the price and any other information you desire.
Save Time With Targeted Leads
Posted on February 10, 2012 8:33 pm under General
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It is frequently said that cold calls are a numbers game. That is undoubtedly the theory of telemarketing centers that repeatedly auto-dial phone numbers, first searching for an answer and then for interest in their product. This approach obviously has some success, considering the rapid proliferation of these centers in the last ten years. That is not to say that it is either the most budget conscious or successful approach for most businesses. Most simply don’t have the time, finances and staff to carry on this type of search. Read more »
