Added for You - Real Estate

How Many Secretaries Does It Take To Change A Light Bulb?
I’ll admit it up front. I was a lousy secretary. It wasn’t for the lack of trying. It was just because it was a bad fit for me, but it took me years of being a secretary to convince myself.Other secretaries in my department could organize circles around me. They could manage a 55-line telephone with one hand, word-process a memo with the other, and do the filing with their feet. They didn’t freak out when their boss dumped a three-day project on their desk with orders to have it ready in an hour. They knew when everyone’s birthdays were, and they remembered to change the water in the flower vase on their desk.Not me. My typing looked as if it were done by foot, calls I answered ended up on hold for years, and the filing was perpetually 6 months behind. I freaked out when my boss came within two miles of my desk. I forgot my own birthday, and my flowers were always straining desperately towards other, more nurturing, secretaries.My real problem was that I was always the victim of the “Pile Syndrome.” If you’re a secretary or if you have any kind of paper-pushing job, you know what I mean.You’re working on the A project, and you’re trying to be focused, even though your phone keep

countless instances where this pitch worked with sub prime borrowers. I decided that for this article, I would break it down to dollars and cents since I believe – numbers don’t lie.

So I ran the numbers using the current rates as found on bankrate.com. I am not entirely sure that you can get a 6.15% APR for a 30 year fixed mortgage, but since this is

Blogging With Google Adsense
Top priority for any search engine is quality content. If you provide that you will continually get a targeted stream of traffic to your blog and to your Adsense ads. Original quality content that your visitors and Google will love is essential to having a successful and profitable blog.A lot of people may have a blog just for personal use and others for business or political views but they all have the power to earn some income from their postings. One of the easiest and most popular way to monetize your blog is by using Google Adsense. What Google offers is an opportunity for bloggers to display Adsense ads on blogs and the blog owners can make money doing so.When an Adsense ad is clicked you will make some money. You can check your Google Adsense account daily to see how much you made in clicks that day. The amount per click will likely change daily as costs per click vary from day to day and from ad to ad.Blog owners have their pages viewed by surfers who look for particular interests and Adsense will place ads targeted to those interests. You can also provide the Google site search service on your blog for visitors to use.Another great way to benefit from your Adsense is to wr

My eyes peered across many an economic article in the last few years. No shortage of opinion existed stating the primary economic driver preventing the United States from a long lasting recession, if not depression, is the ability of home owners to extract capital from their homes, and then spend it on consumables.

I am not going to go into a discussion as to whether or not this opinion has merit. What I would like to discuss is how such a transaction (the re-finance mortgage, and in particular the Adjustable Rate Re-fi) is pitched to the home owner. Just for the reader’s information, my expertise in this area is based upon the closing of over 750 of these transactions in the last 4 years, most of which involved Adjustable Rate Mortgages (ARM’s).

An ARM amortizes the principal and a fixed interest rate only for a period of years, normally two to five. After the initial term, the interest rate fluctuates with the prevailing rate at the time. The selling point of this loan type is a lower interest rate than a traditional 30 year fixed rate mortgage. In some instances, the payment can be several hundred dollars a month cheaper. Of course, the borrower is concerned the rates are trending higher and wonders if this is a good idea. The mortgage broker “solves” this issue as he explains to his client, “in six months, your credit will be better, and we can lock in a lower fixed rate at that time.”

I witnessed countless instances where this pitch worked with sub prime borrowers. I decided that for this article, I would break it down to dollars and cents since I believe – numbers don’t lie.

So I ran the numbers using the current rates as found on bankrate.com. I am not entirely sure that you can get a 6.15% APR for a 30 year fixed mortgage, but since this is s

Handling Telephone Abuse
Customer service as its affectionately known revolves around the telephone. You have to be very particular when delivering customer service over the phone. Since they can't see you, your voice and style is pretty much all you have.Problem is, people are animals. I'm not referring in any evolutionary sense -just the behavioral. Once an animal senses you are afraid of it, it's likely to attack you. Angry people on the phone are pretty much the same:Customer: "YOU PEOPLE ARE *&$#@@#!! I DON'T BELIEVE YOU DID THIS!" (Here the caller's testing the water, to see whether the listener's afraid or not?)Customer Service Rep: 'Oh, Oh, I'm sorry, oh..umm..hmm..sir...ummm, I'm sorry' (Voice trembling with fear. Guess what? Green light - Attack me!)"YOU'RE SORRY!? I DON'T WANT YOU TO BE SORRY! I WANT YOU TO FIX THIS &^$%^%&^ PROBLEM!" (Attack mode!)Hmm, sound familiar?If this has happened to you I bet you felt really insulted by the put-down. Probably so spooked that every time the phone rings now, you're haunted by the memory of that call. On the other hand, you may have argued back and thought to yourself "HA! I showed him! No way is someone going to talk to me like that!"And

n as to whether or not this opinion has merit. What I would like to discuss is how such a transaction (the re-finance mortgage, and in particular the Adjustable Rate Re-fi) is pitched to the home owner. Just for the reader’s information, my expertise in this area is based upon the closing of over 750 of these transactions in the last 4 years, most of which involved Adjustable Rate Mortgages (ARM’s).

I witnessed countless instances where this pitch worked with sub prime borrowers. I decided that for this article, I would break it down to dollars and cents since I believe – numbers don’t lie.

So I ran the numbers using the current rates as found on bankrate.com. I am not entirely sure that you can get a 6.15% APR for a 30 year fixed mortgage, but since this is

Five More Unusual Ways To Make Money
There are a lot of ways to make money if you have money. You don't have to turn to complicated businesses or ordinary ways like bank C.D.'s. And you don't even have to use your money. If you have credit cards, for example, you can get cash advances, and make money with the cash. These are ways that aren't quite a business because you can do them once or only when you feel like it.Invest In Other's ExpertiseMy friend John had to show me several car magazines before I understood why an old fiberglass car was a good deal at $2,300, because I know nothing about cars. When he eventually convinced me to put up the money, it needed a new transmission for $900. Fortunately, he sold the corvette for $4,300, netting us about $1,000. I took half the profit ($500) for putting up the money for the two weeks.I used to do this quite a bit years ago, and only once lost $50 or so on a car. I knew nothing about cars, so I did it with friends that know cars but don't have cash. By the way, if I had paid 18% interest and a $50 cash advance fee to raise the money with a credit card, my profit would still have been over $400, and John did all the work. I love playing with money. Do you have any friends who kno

volved Adjustable Rate Mortgages (ARM’s).

I witnessed countless instances where this pitch worked with sub prime borrowers. I decided that for this article, I would break it down to dollars and cents since I believe – numbers don’t lie.

So I ran the numbers using the current rates as found on bankrate.com. I am not entirely sure that you can get a 6.15% APR for a 30 year fixed mortgage, but since this is

Build A Website To Make Money Online - 5 Key Steps
1. Identify Your NicheThis needs to be the start of your foray into internet marketing. Write a list of possible subjects that you are interested in. Check and see if people search for related information on your possible topics (called niches) and how much competition there is.2. Formulate The PlanIdentify the areas that you can make money through by researching narrower topics and checking for possible products to sell. You can then do a paper sketch of what you want a visitor to do when they get to your site and how your sales funnel will work. If this is your first site I would recommend a basic site that captures your visitors names and email addresses in exchange for a free e-course using an autoresponder as this gives you time to establish trust and credibility with subscribers before they buy and gives you the chance to sell more than one product over time.3. Design Your Website Layout.If you have completed the first 2 steps properly this should be a relatively straightforward process. Keep the initial plan quite basic with no more than 5-10 pages. It’s easy to add pages over time and your site will grow organically with fresh content this way. Search engines love this. Don

e instances, the payment can be several hundred dollars a month cheaper. Of course, the borrower is concerned the rates are trending higher and wonders if this is a good idea. The mortgage broker “solves” this issue as he explains to his client, “in six months, your credit will be better, and we can lock in a lower fixed rate at that time.”

I witnessed countless instances where this pitch worked with sub prime borrowers. I decided that for this article, I would break it down to dollars and cents since I believe – numbers don’t lie.

So I ran the numbers using the current rates as found on bankrate.com. I am not entirely sure that you can get a 6.15% APR for a 30 year fixed mortgage, but since this is

Running Work At Home Business Opportunities
The following article lists some simple, informative tips that will help you have a better experience with work at home business opportunities.Most of us want to be able to work at home simply because the freedom is there to be able to do what you want with your life. You can finally stop doing things to try to please other people, and you can simply start living your own life in order to please yourself. This is something that a lot of people really strive for, and it can be something that you try to do as well. However, the question is often when is starting a work at home business opportunity good for you and your family?While work at home business opportunities might sound like something you want to start doing right away, you have to keep in mind that no matter how long you have been doing what you do, and no matter how much money you are making doing what you do, switching form your job to work at home business opportunities is going to be starting at the beginning again. This means that for awhile you'll be making less money than you are used to, so you have to be prepared to take a little bit of a pay cut when you start a work at home business opportunity. This is going to mean that you want to

countless instances where this pitch worked with sub prime borrowers. I decided that for this article, I would break it down to dollars and cents since I believe – numbers don’t lie.

So I ran the numbers using the current rates as found on bankrate.com. I am not entirely sure that you can get a 6.15% APR for a 30 year fixed mortgage, but since this is simply an illustration, let’s just pretend, OK?

Now the first 24 months (2 years) of a 30 year fixed amortizes (monthly) as follows:

$ 200,000 @ 6.15%

Payment Interest Principal Balance

9/ 2/2006 1,218.46 1,025.00 193.46 199,806.54

10/ 2/2006 1,218.46 1,024.01 194.45 199,612.10

11/ 2/2006 1,218.46 1,023.01 195.44 199,416.65

12/ 2/2006 1,218.46 1,022.01 196.45 199,220.21

1/ 2/2007 1,218.46 1,021.00 197.45 199,022.75

2/ 2/2007 1,218.46 1,019.99 198.46 198,824.29

3/ 2/2007 1,218.46 1,018.97 199.48 198,624.81

4/ 2/2007 1,218.46 1,017.95 200.50 198,424.30

5/ 2/2007 1,218.46 1,016.92 201.53 198,222.77

6/ 2/2007 1,218.46 1,015.89 202.56 198,020.21

7/ 2/2007 1,218.46 1,014.85 203.60 197,816.60

8/ 2/2007 1,218.46 1,013.81 204.65 197,611.96

9/ 2/2007 1,218.46 1,012.76 205.70 197,406.26

10/ 2/2007 1,218.46 1,011.71 206.75 197,199.51

11/ 2/2007 1,218.46 1,010.65 207.81 196,991.70

12/ 2/2007 1,218.46 1,009.58 208.87 196,782.83

1/ 2/2008 1,218.46 1,008.51 209.94 196,572.89

2/ 2/2008 1,218.46 1,007.44 211.02 196,361.87

3/ 2/2008 1,218.46 1,006.35 212.10 196,149.76

4/ 2/2008 1,218.46 1,005.27 213.19 195,936.57

5/ 2/2008 1,218.46 1,004.17 214.28 195,722.29

6/ 2/2008 1,218.46 1,003.08 215.38 195,506.91

7/ 2/2008 1,218.46 1,001.97 216.48 195,290.43

8/ 2/2008 1,218.46 1,000.86 217.

HTTP = HTML link (for blogs, profiles,phorums):
<a href="http://www.added4u.com/article/144679/added4u-The-ARM-Sales-Pitch.html">The ARM Sales Pitch</a>

BB link (for phorums):
[url=http://www.added4u.com/article/144679/added4u-The-ARM-Sales-Pitch.html]The ARM Sales Pitch[/url]

Like I said there shall be enough material to make this ad busting into a series. In fact I have to restrain myself on most occasions when watching some of the “new” stuff on air at the moment.

How do you manage the knowledge of others, without interfering with the subject?

Auto loans don’t have to be a hassle. We can make a game of it. Truly. What if finding the best deal on payments and interest rates was as much of a game as say, the stock market...

Tags

Links

Added for You - The ARM Sales Pitch

Related Articles: