Your Image Can Affect Your Success
Hi!Recently one of my clients was looking to hire a financial controller for her business. Out of all the people who applied, the most suitable person was John.John had most of the attributes Jenny was looking for. Using our tip sheet Hiring the Right People as a guide, it was easy for her to ... more...

Top 10 Ways to Avoid Loan Fraud
Every year, misinformed homebuyers, often first-time purchasers or seniors, become victims of predatory lending or loan fraud. Below you'll find the top ten ways to avoid becoming a victim yourself.1. Take your time and shop around. You should be able to compare prices and houses. If a lender or ... more...

Buying a Home with Zero Down Payment in Irvine, CA
Years ago, the only person that could buy a home in Irvine with zero down payment using a new purchase money loan were Veterans of War (called a VA loan). In the past several years, there has been an explosion of new loan programs designed to fit most any buyers circumstances. Today, most anyone ... more...

Home Buying: Things To Keep In Mind
So youve decided you want to own a home and now you want to begin your search for one. Before jumping into a home search, there are a few things you should keep in mind when going about buying a home.First things first, you cannot buy a home if you cant afford it! Dont assume how much you can ... more...

Things that You Need to Know before Financing Your Home
Frequent Asking Questions:What are Points? A. There are several types of mortgage related costs called "points" and their definitions and purposes vary. Generally, points are costs that must be paid to a lender in order to receive mortgage financing under specified terms. One point means 1% of ... more...

Independent Brokerage Firm - Go Independent
Successful brokers and advisors basically have their own business regardless of where they work. The client investment business is a self-starter and largely commission based industry, so a broker must rely on his own production for survival anyway. When does the in-office support staff and other ... more...

How to Sell Your House by Lease Options
Many people buy a house then have to move within a few years, due to divorce, relocation or financial difficulties. Without any equity though, it can be nearly impossible to find buyers and you still have realtor fees to contend with. There is a simple, easy way to have your payments taken care of ... more...

Termite and Moisture Damage Not Reported
I have done so many appraisals where I saw obvious damage that was not reported by the other inspectors. The first couple of times I thought it was just carelessness. I came to realize it was the same agents who had found what I call pocket contractors or repeat business. Most buyers are not aware ... more...

Find A Secured Loan
Obtaining a Secured Loan is now even easier than before, the only dilemma you will have is choosing a lender. There are literally hundreds of lenders to choose from and you dont even have to go to your own bank, you can apply on-line and search through hundreds of lenders in seconds for a ... more...

Consolidate Debt With A Home Equity Loan
If you are a home owner who is having to borrow from Peter to pay Paul due to a mounting debt load, a debt consolidation home equity loan may be the answer. A debt consolidation loan will allow you to consolidate your high interest credit card and consumer loans into one low rate, affordable ... more...

Spam with Typos: Why Do They All Have Spelling Errors?
A friend asked me: I don't get it. Why do spammers have such a hard time spelling things properly? I get mail trying to sell me "viagggra", increase my "brest" size, or save me money accessing "pr0n" sites or buying "seks toys". Even more puzzling, there are plenty of spam messages where it ... more...

How to Get a Business Loan in Five Steps
Need funds to startup or expand your business? Follow these steps:A lender looks at a loan request in three sections known as the "three C's". They are:Credit. Did you pay previous lenders back as contracted?Capacity: Can you afford to pay back this loan?Collateral: If you don't pay back the loan ... more...

New or Old House?
A lot of buyers think that a new house is the way to go but it's important to have some knowledge of quality and of the builder. New paint, carpet, doors, windows and cabinets are a quick and easy sell. But are the cabinets even level. I have seen cabinets in a $300,000 house that the dishes would ... more...