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Getting a Commercial Loan? Be Prepared! - Marlon Baugh

... report for any out dated or erroneous items that could be hurting your credit score. You will also want to clear up any negative information - if you have any derogatory items such as late payments or collection accounts then write a letter of explanation and include with your commercial...


Subprime Mortgage Lending - Regulators Tighten Rules - Jane A. Smith

... subprime lending market. It describes in detail the requirements made of subprime lenders for the financial protection of both the borrower and the lender. The first issue of concern is improved communication to subprime borrowers about the real, hidden cost of their adjustable rate mortgage...


Subprime Mortgage Lending - 2007 Statement - Jane A. Smith

... for mortgages at subprime rates. Of particular concern to the authors are adjustable rate mortgages (ARMs). The Statement provides guidelines that will ensure more appropriate practices regarding ARMs. The agencies are concerned that lenders persuade borrowers to take out ARM loans by...


Subprime Mortgage Lending - A Brief History - Jane A. Smith

... that were intended to assist a person to buy a new home while the old home was still on the market. As soon as the old residence was sold, the owner would repay the bridge loan. Some of these non-traditional loans included a “balloon payment,” a large amount due at maturity, because they did...


Subprime Mortgage Lending - Pieces of the Puzzle - Jane A. Smith

... other loans at prime rate. Subprime borrowers are people who probably have pretty poor credit ratings. They may have a history of bad financial management, perhaps including collection accounts, repossessions, maybe even a bankruptcy. At any rate, they are perceived to be more likely than the...


Taxation in the International Marketplace - John Schlismann

... taxation laws and amend them as conditions warrant. The article Overhauling the Old Jalopy by The Economist (No author identified) is about the increasing problem of high corporate taxes in the United States versus countries overseas. Hank Paulson the treasury secretary recently held a summit...


A Comprehensive Note on Debt Management - John Grant

... credit cards, problems concerning debts continue to increase. The use of credit cards also affects business establishments, especially in situations where business owners stop their operations because of their inability to handle debts effectively. To help businesses manage their finances, here...


A County Court Judgment Not the End of Credit Road - James Copper

... Judgment, CCJ, typically is issued by the courts when a creditor has convinced the court that money is owed on a past due debt. Even once the debt is paid off, the CCJ can remain on the credit record for up to six years. While many traditional lenders steer away from whose with credit problems,...


Expansion & Refurbishing: Reasons For Commercial Remortgage - James Copper

... can use to obtain necessary funding is through a commercial remortgage; using the money in the property's equity to fund its needs. By remortgaging the property, the business can deal with the same lender. This can keep everything in the same hands and make the transaction go much...


Managing Difficult Employees: The Insubordinate Subordinate - Colleen Kettenhofen

... Let's say, for example, that you have an insubordinate subordinate. This type of difficult employee, when you meet privately about a performance issue, defiantly remains silent. About halfway through the performance meeting you say to them, "So, what are your thoughts on everything we've...


3 Simple Steps To Manage Your Budget & Cashflow - Tracey Lawton

... department that took care of all of this for you - they paid the invoices, they tracked the receivables, they tracked the income, and they told you the bottom line! Now that you're running your own business you are also the Chief Financial Officer, and it can be very overwhelming. However, it...


Learn To Trade Stock Markets - The Successful Way! - Val Wilson

... with most stock market books is that you need a large degree of understanding before you can get started. Reading a company's annual report well can take you years to learn to do properly. There are hundreds of books on technical indicators and complex trading methods on the market. There are...


Sales Techniques that assist in selling to Generation Y - Drew Stevens

... area where the selling professional can achieve more effectiveness by trends and social issues. One of the largest yet daunting areas of research today relates to the Millennials or aptly called Generation Y. To achieve greater selling effectiveness, professionals must realize that we operate...


Hard Money Loans - The Answer to Your Problems? - Nick Kent

... been foreclosed upon. Unfortunately sub-prime mortgage loans have gone the way of the dinosaur, due to the recent nation-wide crisis of which they were the center, and it's become more and more difficult to know where to turn when your financial wellbeing is on the line. If you're one of the...


How To Eliminate Your Competition, be a GO Giver and Cause no Harm - Robin Rushlo

... online) you need something that nobody else can copy. One of a kind! Be different give 150% all the time. You be the best Go Giver there is and... First, things first. You must know who your competitors are and what they are doing in the marketplace. Are you the only one of its type? I...


How Long Will Your Executive Job Search Take? - Laura SmithProulx

... receive unprecedented volumes of resumes in response to any job posting. In other words, the popularity of Internet job search is at least partly to blame for extending the job search process. However, even seasoned professionals and executives using targeted networking and other types of job...


Life Lessons about Locating Vending Machines from a Father - Rick Neeley

... was bad bad bad. He could brighten up a whole room just by leaving it. The other one was always looking for the good in everything and a real joy to be around. The father wanted to see if this was a real or not so he bought 25 of the most popular toys and wanted to surprise his...


Get the Truth About Choosing Bankruptcy to Stop Foreclosure - Peter Baptiste

... in your home - it may be time to think about filing bankruptcy. If your debts are piling up and you have no where else to turn, this may be your only option if you want to keep your home. If you have been following the news lately, you cannot miss the fact that the economy is not in very...


Reasons to Refinance - Paula Cherrist

... to refinance to lower your monthly payments in order to free up some cash to cover other monthly expenses. Or you might be considering refinancing to tap into some of the equity you have built up over the years to help pay off other debt. But in doing so, you will basically be diminishing...


Offshore Banking And High Yield Investmenting - Mark Walters

... etc.)? They are off the coast of Great Britain and have a policy of taxation that can be beneficial for some. Today the term is sometimes used to refer to tax havens in general. When you begin thinking about moving some of your investment money offshore you will quickly learn that...


Tips To Sell Your House - Heather Seitz

... as a result many markets are continuing to experience price declines. This is not expected to change at least for several months. In some cases it could be next year before markets begin to stabilize. Thus, the theory exists that it does not make sense to sell at the moment when markets could...


The Rise of Online Business Software - Bei M.

... are acquired and installed in computer systems of different businesses, be them small, medium or large enterprises. Because of the importance and popularity of online business software available in the market, it is just appropriate that people know more about such computer programs. To begin...


Discover What You Will Need to Apply For Guaranteed Car Finance - Max Morgan

... out of control thus affecting our credit rating. Whether you have gone as far as a county court judgment or if it is simply some missed payments, this can all make a dent on your credit history and affect your chances of being able to obtain any type of finance. One good thing about the fact...


What to Do Before You Walk Into the Executive Interview Room - Allen Voivod

... jobs (yes, even executive and management-level positions can get boring after a spell). The sad thing about the entire situation is that most of the people who "lost out" didn't have to. Many of them have the skills, the experience, and the discipline to do well in the jobs they were aiming for....


The Rise of Fake Panda OEM Software - Bei M.

... brand of a personal computer is only known for making the unit. If consumers demand the inclusion of a computer program or application upon their purchase, the PC manufacturer has to buy and install software from a software maker. Thus, the software becomes OEM software. Panda OEM...

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