Archive for October, 2008
A Mortgage and Bank Trick You Should Avoid at All Costs
Posted by: | CommentsOnce you’ve purchased your home, you will begin to get correspondence from your lender about a “Mortgage Reduction Program,” in which you can cut years off your mortgage, without adding money to your payment. This is another trick bankers have to get you to give them your payment sooner, so they can hold it in escrow and make more money off of you.
The program arranges for you to make your mortgage payment bi-weekly. In other words, you cut your monthly payment in half and make it every two weeks. Basically, all the bank is doing is collecting an extra mortgage payment, over the course of a year and adding it to your principal loan amount. This cuts five to seven years off your 30-year mortgage term. Here’s the secret they don’t want you to know.
College Student Credit Card Debt
Posted by: | CommentsCredit card debt doesn’t shy away from anyone who doesn’t want to shy away from it. It treats everyone equally irrespective of whether the person is a seasoned professional or just a college student. So college student credit card debt isn’t uncommon either. Since the credit limit on college student credit cards is much lower, the college student credit card debt cannot rise to the levels it does for other credit cards. However, college student credit card debt is an even bigger menace because a lot of students are already in debt due to the loan they have taken for their education. If they pass out of college with college student credit card debt, they will have to payback not just the loan they taken for studies but also their college student credit card debt.
Are You In It – To Win It
Posted by: | CommentsHave you ever heard this? “It isn’t whether you win or lose. It is how you play the game.” I am sure you have. But do you know who said it? Some guy who came in second place!
You see, I have a problem with that statement. It presupposes, or at least strongly suggests that winning and playing the game “right” are mutually exclusive propositions. Perhaps we ought to have this as our goal as we pursue success: We want to win, while playing the game right! I totally disagree with the statement that we should win at all costs. Instead, we should do everything good that we can to win at this game we call life. And we ought also do all that we can to help others win.
7 Destructive Habits
Posted by: | CommentsWARNING! If you want to have a fantastic life, never engage
yourself in these 7 deadly habits that incompetent people do.
NUMBER 1 – They Think, Say, & Do Negative Things.
Yup. They see problems in every opportunity.
They complain that the sun is too hot. They cursed the rain
for ruining their plans for the day. They blame the wind
for ruining their hair.
They think that everyone is against them. They see the problems
but never the solutions.
Every little bit of difficulty is exaggerated to the point of
tragedy. They regard failures as catastrophes. They become
discouraged easily instead of learning from their mistakes.
How to Minimize Interruptions While Maximizing Your Productivity
Posted by: | CommentsIf you thought interruptions were a nuisance in the corporate world, ha ha! Wait ’til you start running your own small business. With the fate of your company riding on your shoulders, wasted time is by far your biggest enemy. Learn how to nip those productivity-busters in the bud while making a beeline for your goals.
1. Use voicemail to your advantage.
If you’re in the throes of mapping out your business strategy and the phone rings, do you pick it up? If so, break the habit right now. Voicemail exists for your convenience. If you don’t answer the phone, the person will leave a message. Call them back when you’re in a better frame of mind for productive conversation.
Changes In The Work Place
Posted by: | CommentsEvery day something changes at work: your products, your customers, your delivery schedules, your company’s policies. Do these changes negatively affect your company and your sales? Why do you let them? These constant changes can cause you to lose focus and lose sales, or they can propel you into greater success. It’s YOUR CHOICE!
People fear change because it pushes them into the unknown, and one of the greatest fears in the world is the fear of the unknown. While this is natural, there is a way to control your fear and turn it into the creativity needed to generate more sales.
Improvisitional
Posted by: | CommentsWhy are we trying so hard? It is like we are in a race to get somewhere and we don’t even know where that is anymore. We have lost contact with spirit and the purpose we have given our lives and we are going around in circles chasing our tails.
I know better and yet I must catch myself from time to time and ask myself-why? The harder I try the less effective I am in manifesting what I desire. In the moment that I give into the system and stop trying to control it, the easier it gets.
Your Biggest Do It Yourself Project
Posted by: | CommentsWhen I meet people and tell them what I do, I often hear, “Oh, you are a motivational speaker,” with some amount of assuredness in their voice. While I realize there are many speakers that people lump into this category (some who are my friends and mentors), I strongly disagree with that label.
Do I speak? Yes.
Can I inspire, challenge thinking, provide ideas, input, and encouragement (and in smaller settings), provide feedback? Yes I can.
Can I motivate? No I can’t.
DIY
