Posted by omerleverenz464 on January 15, 19113 at 23:00:35:
In Reply to: Jyvq Follow me posted by PetaRtevy on June 24, 19112 at 09:24:56:
Avoid disappointment and SAVE thousands by reading this article.Everyday there are people just like you that have their mortgage loan turned down because of any one of these mistakes. By acquainting yourself with 10 Deadly Mortgage Mistakes you can save thousands on your mortgage.1. Using An Interest Only Or Payment Option Adjustable Rate Loan: If you are using these types of loans to qualify for a more expensive home. A home that you could not normally afford, you may be going down the wrong path. There are some circumstances where these loans are useful, but care should be taken in this housing market with slower appreciation and falling prices in some markets. You could end up with a mortgage value higher than the value of the home.2. Co-signing On Someone Else's Loan: You could become a great friend or even a hero to someone by doing this. Before you do, ask yourself. Are you willing to assume that liability? Are you willing to forego getting your own home to co-sign? Those could be the ramifications.3. Making Late Payments: Late payments (especially within the last year) make if very difficult to qualify you for the best terms and rates. It may even keep you from qualifying at all. It might seem unnecessary to say, but always pay on time.4. Hiding Things From Your Mortgage Broker: Even though it could be embarrassing to discuss previous financial difficulties. Remember that your mortgage broker is there to help. Your mortgage broker can only help you with those things of which he is aware.5. Over Using Credit Cards: Yes they are convenient, but if the balances are not kept low or paid off it may make getting the best rates and terms on your loan more difficult. Do not take on new debt without first discussing it with your mortgage broker.6. Making Large Purchases Prior to Your Mortgage Application: On occasion people think that it is in their best interest to get major purchases out of the way prior to making a mortgage application. A key component to determining how much of a home you qualify for is outstanding debt. It is far better to wait until after purchasing your home before considering other major purchases.7. Choosing a Lender Just Because They Offer The Lowest Rate: Your mortgage rate is an important factor with your loan. Remember that it is only one of several factors. You also need to keep in mind the APR and origination fees. Perhaps the most important factor is accessibility. Is the lender located locally? Can you go sit down and go over the details of your financing. If not, you should think long and hard about using that lender.8. Not Getting Pre-Approved for a Loan: When you become pre-approved you become a cash buyer and have more negotiating power with the seller. Home buyers can save thousands or dollars in negotiating the home purchase by being pre-approved. Any good Realtor will require the pre-approval prior to showing any homes, because they don't want to waste your time or theirs.9. Not Planning for Closing Costs: On the day of your closing you will be expected to write a check to cover closing costs. Closing costs are a number of the expenses incurred when purchasing a home. Those typically include attorneys' fees, taxes, title insurance, prepaid homeowners insurance, points and other lenders' fees. These closing costs can amount to between 2% and 7% of the selling price of the home. Your lender should provide you with a good faith estimate early in the loan process to estimate these costs.10. Not Providing Documents To Your Mortgage Company Timely: When your mortgage broker asks you for additional paperwork, get on it! Do not complain. They are trying to get you approved. If mortgage brokers don't get the documentation timely, it can result in locks expiring and higher rates. Worst of all, it could mean a delayed or blown closing date.
Use a "P.S." at the end of your ad copy. This is were you either want to repeat a strong benefit or use a strong close like a free bonus. Publish a free ebook and give it away from your web site or in your e-zine. This will increase your traffic, sales and e-zine subscribers. Create multiple streams of income with your web site. You could sell your own products, join affiliate programs, sell advertising space, etc. Give your visitors compliments in your ad copy. This can earn their trust and put them in a good mood, in return they will be easier to sell too. Create new products or services only if there is a strong need for them. You won't have anyone to sell them to if you don't have a market. Sell your backend products to your customers right after they order. Take them to a "Thank You" web page that includes other products you sell. Sell a few products on your web site instead of selling a large amount of products. To many choices can overwhelm your visitors and they won't buy. Include content and free stuff on your web site that promote the products you're selling. If they don't read your ads, they may read your offerings. Remind your visitors that you're human not just a web site. You could publish information on your family life, a picture of yourself , a profile, etc. Provide a "Contact Page" on your web site. Give your visitors as many options to contact you as possible. This'll add credibility to your business.
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There are at least 10 ways you can listen to music and I will describe each of these, their pros and cons, and which is my favorite. Before i begin let me just say that I love to listen to music whether its while exercising, working, driving, or just relaxing on the back deck on a lazy Sunday afternoon. - Home Stereo System. You can put on a John Coltrane album and sit by the fireplace with your honey and enjoy the magic. The flexibility of the home stereo system is that you can play your music from several formats including record albums, cassette tapes, 8-track tapes, cd's, reel-to-reel players and others. The pros of the home stereo system are that the sound is probably the best you will get from any source and you probably already have a large collection of albums and cds already. The cons of the home stereo system are that you can't easily take your system with you and you also can't easily take your music collection with you. In addition the home stereo system is probably the most expensive way to listen to music.- Car Stereo. Your car probably has one of the most convenient ways to listen to music and most manufacturers design their systems to be acoustically compatible with the car their in. In other words, rather than just adding a standard radio the manufacturers design the sound system with the acoustical elements of the car itself in mind. Car stereos are getting better and better all the time. The pros of the car stereo system are that they are already installed and can play a variety of formats from cassettes, cd's radio, etc. In addition, many people spend so much time in their cars commuting that they probably have invested a large amount of money in the format that best suits their system. Cons of the car stereo are that you can't take it with you when you get to where you are going and it can be difficult and expensive to change your system if you want to upgrade or if there is a problem.- Sony Walkman type devices. Originally the Sony walkman was a portable radio with a cassette player that has evolved over the years to include other formats. Hardly anyone would carry around a portable cassette player anymore due to the vastly superior choices available today.- MP3 player. Around 1994 the mp3 format (a format of digital music that took up much less space than a cd formatted song) became available online. Since then there have been improvements in the players such that you can carry around virtually all of your music collection in one device. The pros of these are portability and compactness. The cons are that the mp3 format is of a lesser quality that the original cd digital format and you can easily break or lose your mp3 player.- iPod. The Apple iPod, while technically an mp3 player, is by far the best available on the market bar none. The iPod is integrated perfectly with the iTunes web site and the uses a much better "lossless" ALAC codec for their music. Sleek in design and way cool the iPod is the mp3 player of choice. I'll be writing several article on the iPod alone. The pros of the iPod are that it is the world-class leader of mp3 players and the music quality is much better than mp3's (although it can also play regular mp3') and it can also play videos (later models). The cons of the iPod are that it is expensive and difficult to repair if something goes wrong. It is also highly desired by thieves so you must be careful with your iPod.- Satellite Radio. I have both XM and Sirius satellite radios, one for each car. There are differences between the two which I will write about in a different article. I believe that these two companies will probably merge one day. Satellite radios can be listened to in the car, at home, or on the go, depending on the model you have. Many now feature tivo-like abilities to pause, rewind and fast forward music. The pros are that you get more commercial-free music than you can handle. The cons are that you have to pay $12.95 per month for the service and if you can't decide between the two you may end up with both!- Computer. Yes you can listen to music at you computer. Most computers these days come with decent speakers and since you can store virtually unlimited number of songs on your hard drive you can keep your entire collection in one place. You could listen to mp3's, cd's and dvd's on your PC as well as download music. The pros are that you can keep all your music conveniently in one place and listen while you work. The cons are that a PC is a very expensive radio.- Streaming Music. Many people don't realize but you can listen to the radio from stations all over the world by going online and streaming the music. iTunes and Windows media player both provide this interface as well as yahoo.com, all for free. Whatever your taste in music you can find from an online streaming site. You can even get programs that will record the music into mp3 format for listening later. The pros are that you can listen to virtually any kind of music for free. The con is you generally have to listen from your computer.- Satellite and Cable Systems. Whether you have Dish, DirectTV or cable at you house, most packages include about 30 music format for listening to and they are all commercial-free. Pros include commercial-free digital quality music. Cons are that you have to pay for all of these and you generally listen over your TV (although you could modify this)- Live Music. One of the most enjoyable ways to listen to music is to attend a concert of your favorite artist. Depending on the venue the sound can be anywhere from poor to fantastic. It is always fun, though, to hear the music being performed live. Pros: an experience that cannot be duplicated. Cons: can be very expensive and you have just the memory when its over.That concludes the list of 10 ways to listen to music. By the way, my favorite is a portable XM satellite radio that lets you pause and rewind the songs and lets you store your own music on a memory card.
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10 Biggest Mistakes In Affiliate Marketing And How To Avoid Them
Craft Ideas For Old Christmas CardsDon't you just love Christmas cards? Most people love to display them during the holiday and then keep them in a storage box for future viewing. We have enjoyed making various crafts from these old Christmas cards and perhaps your family will love making these Christmas card crafts too.Christmas Card WreathStep #1 - You will need a large piece of cardboard. Draw a circle the size you wish the wreath to be. Now cut out the circle and draw another circle in the middle so that you leave at least 6" all around the outside of the circle. Step #2 - You will need all those old Christmas cards you have stashed away in the attic, or under your bed or perhaps in the basement.Step #3 - Kids love to go through these old Christmas cards picking out their favories to use in this craft. Step #4 - Line up the cards on the wreath so they encircle the wreath side by side. You can overlap the cards for a great affect. Step #5 - Now glue the card backs to the wreath where you want them until the entire wreath is covered with Christmas cards. Step #6 - Attach a holiday bow and you have a fantastic wreath for your home.Candle HolderSupplies you will need:Old Christmas CardsSmall glass jars from jams or baby foodGluePaint BrushRubber bandSaltWhat to do:Step #1 - Cut out a favorite Christmas scene from one of the cards. The size needs to fit on the side of the jar.Step #2 - glue the back of the picture and place it on the side of the jarStep #3 - Use the rubber band to hold the picture in place until the glue driesStep #4 - After the glue dries, remove the rubber bandStep #5 - Use the paintbrush to cover the outside of the jar with glue.Step #6 - sprinkle the salt over all of the glue to make the jar glisten.Step #7 - Let the glue dry.Step #8 - Place a piece of curling ribbon around the rim of the jar and place a candle in the jarBookmarksTo make bookmarks from old Christmas Cards you will need to have the following supplies:Old Christmas CardsCardboard or posterboardPaint, Markers or CrayonsGlueClear Contact PaperWhat to do:Step #1 - Cut a strip from the cardboard or posterboad (which ever you are using), about 8" X 2" in size.Step #2 - Cut a picture from one of the Christmas cards.Step #3 - Glue the picture that you cut out to the top of the strip.Step #4 - Wait for the glue to dryStep #5 - Write a holiday greeting or the name of the person you are giving it to.Step #6 - Cover the new bookmark with clear contact paper or have it laminated.
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