How to improve your credit scores faster?

When you apply for a home or personal loan, the first thing your bank will check is your credit score. A credit score or credit history is basically a result derived from the analysis of a person's credit files. In addition to banks, insurance companies, telephone companies, and government institutions also use credit scores to assess a person's financial situation.Why is a credit score...

Free Book Summary A Simple Idea – By Stephen Key

Stephen Key was a mentor to Tim Ferriss. If he's not familiar with Tim, he wrote two best-selling books, The 4-Hour Workweek and The 4-Hour Body. One Simple Idea is an instruction book on how to license ideas from it. Licensing is one of the most lucrative business models in the world. Think of these companies, Microsoft, Oracle and Apple. All of these companies license their ideas and make more...

The intersection of bankruptcy and loan modifications, also known as loss mitigation

Is your house in foreclosure? Have you been working with the mortgage company for months trying to get a loan modification that could solve the problem? Does the mortgage company seem to be dragging their feet, asking you for the same documents over and over again, and yet they don't seem to be getting any closer to achieving anything? Now, seemingly out of the blue, there has been a notice of...

Glossary of consumer financing terms

A guide to many of the terms used in the consumer finance market.INAcceptance level - The percentage of customers who are successful in applying for a loan or credit card. 66% or more of applicants must be offered the advertised rate known as the typical APR (see 'Typical APR' below).Annual Percentage Rate (APR) - The interest rate payable annually on the loan or credit card balance. This allows...

Make your presentation useful and interesting

Most agent pitches put salespeople to sleep, mainly because most pitches lack interest, utility, and structure. To increase interest in your presentation, follow these tips: o Share market knowledge. Become a student of the local market and share meaningful statistics. Also keep track of trends in the national market, both to enlighten your prospects and to distinguish yourself as a...

Sole proprietorships: advantages and disadvantages

The sole proprietorship is one of several types of businesses that have been around for several millennia. It has been successfully practiced by individuals due to the ease of setting it up and due to the minimal financial requirement in most cases. This type of business is the largest employer of labor in almost every part of the world. Most of the corporations and public liability companies we...

How to win Cash 4 lottery with repeating Cash 4 numbers

The Cash 4 lottery has 10,000 possible winning numbers. Cash 4 numbers range from 0000 to 9999. These Cash 4 lottery numbers can be drawn in the traditional way with each of four balls being released from a container. Each container holds ten balls numbered 0 through 9. Each of the winning digits is drawn from one of the containers at a time, providing the order of the Cash 4 winning numbers. The...

Benefits of Selling to a Property Buying Company

Selling your home to a cash ownership company can be advantageous for many reasons, and doing so doesn't necessarily mean you have to pack up and move, either. Today, there are several property buying companies that are willing to buy your house from you and will often allow you to rent the house to them after they take possession.One of the advantages of selling your home to a real estate buying...

Why Early-Stage Startups Should Hire a Lawyer

Many start-ups believe that they do not need a lawyer to help them with their business. In the early stages, this may be true. However, as time passes and your company grows, you will find yourself in situations where it is necessary to hire a business lawyer and you will begin to understand all the benefits that come with hiring a lawyer for your legal needs.The easiest approach to avoid any...

Reverse Mortgages: Is It A Good Idea For You?

Reverse mortgages are one of the fastest growing areas in the mortgage market business. These mortgages offer seniors the opportunity to get cash based on the equity they have in their homes or condos. When the reverse mortgage type is used, the lender pays the homeowner an agreed upon rate. The owner does not need to return the reverse payment, but can use the money in any way he wishes. There...