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Tutorial on Selecting Mortgage Features
Planning to shop for a mortgage on-line? You need to answer the following questions first, so you know exactly what you are shopping for.      1. What Type of Mortgage Should I Select? 2. Which Mortgage Options Should I Select? 3. How Long a Term Should I Take? 4. ... more...

HUD's Proposals For Reform
October 19, 2002 On July 29, 2002, HUD released a set of proposals to substantially change the ways in which home loans are originated in the US.  As usual, the proposals were open for comment, and many thousands of them were received.  Mine was among them, and is shown ... more...

new mortgage project management 10 minnesota only first time related definitions

Adjustable Rate Mortgage, ARM
Adjustable Rate Mortgage (ARM) Also known as a variable rate mortgage. The interest rate on these mortgages changes periodically. Variable or adjustable loans are loans whose interest rate fluctuates over the period of the ... more...

Refinance
Refinance Refinancing refers to applying for a mortgage loan intended to replace an existing loan secured by the property. Homeowners usually consider refinancing for the purpose of getting a better interest rate, loan term, or to draw cash from the equity. ... more...

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What Makes an Entrepreneur?
Rupert Steiner in his book My First Break attempted to define the secret of becoming an entrepreneur and following interviews with over one hundred entrepreneurs, Steiner concluded that there was not one defined path. He has, however, drawn out observations of an entrepreneurs personality traits. ... more...

UK Sales and Marketing Terminology
Terminology / AcronymsABC figures: This is the independently audited sales figure for all recognised publications in the UK. By using the ABC figure, you can quickly establish how much the advertising will cost per 1,000 readers. Account Managers: These are sales people who have great skills in ... more...

"Curse of the Abyss Worm," J.J. Hill: and the Cradle that Rocks [Chapter #17]
17J.J. Hill: and the Cradle that RocksI cant imagine, just think of owning half of St. Paul, like that rich train industrialist, that lives on Summit Street, JJ Hill, by the Cathedral, said Thomas, one evening in September, as the St. Paul, Minnesota State Fair was about to take place.Whenever ... more...

Time Management: How To Get More Done
If you can regularly ask yourself "Am I regularly and consistently working on those items that will move me towards my clearly defined goals?" and honestly answer "Yes" then you are probably doing ok.If not, here are a few time wasters to be aware of and some strategies for protecting your time ... more...

Finding Motivation: What To Do When You Don't Feel Like Doing Anything
"The measure of your success usually comes down to who wins the battle that rages between the two of you. The 'you' who wants to stop, give up, or take it easy, and the 'you' who chooses to beat back that which would stand in the way of your success - complacency." Chris WidenerIn all of my ... more...

Bartering A Great Way to Trade
Before you hit the back button thinking bartering went out of fashion when money came along. Think again. Bartering has not only thrived all this while, it has made a come back in the business world in a big way. If the International Reciprocal Trade Association is any indication, bartering today ... more...

11 Steps Away From Buying a Home
There is no doubt that the market for houses has been on fire recently. More and more people are taking advantage of low interest rates and easy mortgage loan terms to go from being renters to being home owners. With so many people entering the market, it is inevitable that questions will arise ... more...

Home Buyer Checklist
Before You BuyThe biggest question is: where do I want to live? All of us have different likes and dislikes. The needs of one person may be of little consequence to another person. If you are moving to a new community your questions may be different from somebody who is moving within the ... more...

Adoption: Laughter and Tears
If you ever walk through an orphanage, it will be an experience youll never forget. Witnessing children in poverty, children discarded, children stunted both physically and emotionally, will stir your heart beyond belief. And adopting a child is a joy as great as witnessing the first sharp intake ... more...

10 Tips for Aspiring Freelance Copywriters
Every week I receive a couple of emails from people seeking advice on how to get into freelance copywriting. While theres no simple answer, and no answer which applies to everyone, there are a few tips which I believe will help most people make the move into freelance copywriting, and survive the ... more...

Calamity or Prophecy? You be the Judge
Hello Friends,As many have heard, China suffered the damage of a typhoon (Hurricane) which passed through the weekend of Sept. 11, 2005. As of Sept.12, 7 died and over a million evacuated. Do you notice how these calamities are coming in quicker succession with the passing of time?Isaiah 24:4, 5 ... more...

Cutting Edge Real Estate: Is There Anything New? Part 1
The world of real estate has pretty much stayed the same for decades. Its no different today than it was 50 years ago. The basic principles will never change. Is this true? Only part of it? Well, lets look at what is different in the real estate world. Also, lets see what is the same.Because of ... more...


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