Adjustable Rate Mortgage Use Rising Interest Rates to Your Advantage
You found your dream house; however, qualifying for a traditional fixed rate mortgage is proving to be difficult. Your debt-to-income ratio may be too high or your credit score might be too low. The same might be true of the existing mortgage holder that wants to refinance and cash out equity in ... more...

Building Your Dream Home - Part 1
For most of my adult life I had thought about someday building my Dream Home. Several years ago I finally got the chance. I had purchased a lake front lot with a small cottage on it. My initial intention was to use the property as is, and someday raze the old cottage and build a new home in its ... more...

Income - Make a Second Before Losing the First
There's a fortune hiding in everyone's salary or pay check but most people can't find it.With the average person spending countless hours in front of a TV screen to be entertained and blot out the JOB (Just Over Broke) syndrome, small wonder that making money from home is not a priority for most ... more...

Three Questions You Must Ask Your Loan Officer
It's pretty easy to isolate the good from the bad in a lot of professions: a dentist laughing gleefully every time you flinch, a plumber demanding payment up front while your knees disappear underwater, a real estate agent who never returns your call or is constantly dragging you to inappropriate ... more...

The Lowchen: The Little Lion Dog
The Lowchen Dog is actually pronounced "lerv-chun" and means "little lion". This German name comes from the traditional haircut, in which a ruff is hair is left as a mane on the front part of the dog's body. A large plume of hair is also left on the end of the tail and all four feet from the ... more...

Buying A Home After Bankruptcy - How Long Should You Wait to Buy?
Individuals interested in purchasing their own home strive to maintain a positive credit rating. This is achieved by paying bills on time, having a low debt to income ratio, and so forth. Nevertheless, several lenders are eager to offer home mortgages to individuals with bad credit. These mortgages ... more...

Buying And Selling Cars For Profit
Our neighbor Jose doesn't speak much English, which makes it tough to live here in northern Michigan. Despite that, he made a profit of over $30,000 last year selling cars out of his front yard. It's true that he's a mechanic, and that helps, but it isn't the key to his success.The Key To Buying ... more...

Fraud in Real Estate, Are You Being Victimized? - Part II
The phone range and Peter was on the other end of the line. "Willard, I have a friend of mine that has a real estate problem." I said, "Send him over." Two hours later, Jerry sat in front of me terribly upset. Three years earlier, he had been talked into buying a 4 unit building in partnership with ... more...

How I Conquered My Public Speaking Phobia
As you can glean from my bio below I now spend about a third of my time presenting at conferences and doing workshops both at home and internationally.I look forward to the experience of being able to be in front of a crowd as I feel that it actually brings the best out in me. I find it not only an ... more...