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What Are "Free" Mortgage Rate Locks?
May 4, 1998 "A lender I solicited offered me a ?free? 60-day rate lock. What exactly does that mean? I am always suspicious of anything that is offered free." A rate lock probably has value to you but you are right to suspect that it is not being given away free. Capital markets ... more...

Does "No-Cost" Mortgage Refinance Make Sense?
January 29, 2001, Revised November 1, 2002, August 17, 2004 "I see advertisements for "no-cost" refinancing that sound too good to be true. Is it possible to reduce my rate without it costing me anything?" ... more...

what does neg am mean related definitions

Mortgage Broker
Mortgage Broker A company or a qualified person that obtains mortgages for borrowers by finding lending institutions, insurance companies or private sources to lend the money. If a person, mortgage broker called a loan officer. A mortgage broker works for you, not for the ... more...

Credit Score
Credit Score A single numerical score, based on an individual's credit history, that measures that individual's credit worthiness. Credit scores are as good as the algorithm used to derive them. The most widely used credit score is called ... more...

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Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Energy - How to Have More of It
Something the successful business person needs is - lots of Energy! You need Brain Energy and you need Body Energy. However as with any other kind of energy, it's constantly being drained away and needs replacing.Dealing with people, your customers and your team, can both drain your brain and your ... more...

What End Result Do You Want?
Ever noticed that when you have swags of time to complete a task then it takes much more time to complete it than is necessary?I'm aware of a similar phenomenon with money. When I have my mortgage or health insurance debited from an account before funds are paid through to me, it's amazing how that ... more...

Top Ten Blunders Exhibitors Make in Expos/Tradeshows
Triple your response from expos by avoiding the top ten blunders at expos. Turn disappointment into sales success!If you are like most exhibitors, you were disappointed from the results at your last expo. There is only one reason for dismal results from an expo and that is not knowing how to ... more...

What Is A Good Credit Score How Can I Raise Mine?
What is a good credit score? When you request a free copy of your credit report, you will find a score assigned to your credit history. This score will determine whether or not creditors will grant you the loan or credit that you want because it gives them an idea of your risk to repay. Generally, ... more...

Revealed - The Real Secret To Curing Retention Problems
"What Is The Single Biggest Problem In Network Marketing In General, And How Exactly Can You Create A Recruitment Tidal Wave That Will Have Your Upline Gasping For Breath ?...."Any ideas ? Well surprisingly it isn't that people won't join, your efforts aren't yielding results, your friends and ... more...

From the School of Pain to the School of Vision
Many, many of us have struggled with some aspect of lack in our lives -- not enough time, opportunities, food, well-being, quality relationships, education, money, friends, etc., etc. Whether we realize it or not, we have been using the pain of those "apparent" conditions as a very powerful teacher ... more...

How to Deal with Hire Purchase Debt
WHAT IS HIRE PURCHASE/CONDITIONAL SALE?Although people often talk about "buying on HP", Hire Purchase Agreements are quite unusual these days. Cars are the most usual goods sold under Hire Purchase or Conditional Sale Agreements. With Hire Purchase and Conditional Sale Agreements, you do not own ... more...

Bankruptcy, Is It A Way Out
Negotiations with creditors have failed. Repossession is imminent and foreclosure proceedings have begun. Your income is simply not sufficient to pay your bills, no matter how low the payments are. It may be time to consider bankruptcy.Bankruptcy law evolved as a reaction to the abuses surrounding ... more...

The Identity Theft Epidemic : What The Experts Arent Telling You
Picture yourself walking down the street, all alone. It's late at night. It's a bit brisk, and the wind is blowing through the tall buildings on both sides of you. Suddenly, from out of nowhere, someone runs by you, knocks you over, grabs your wallet, and takes off.It sounds like a scene from a ... more...

Want To Know More About Cruises and Cruise Ships?
Today, Norm Goldman Editor of Sketchandtravel.com, is pleased to have as a guest of Sketchandtravel.com Douglas Ward, author of Ocean Cruising & Cruise Ships 2005, now into its twentieth year of publication, published by Berlitz Publishing.Thank you Douglas for accepting our invitation to be ... more...

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