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Headline, Personal Finance »

Mortgage Tips

If you have finally gathered enough money to make a down payment on a house, you will need to start shopping around for a mortgage. You will find that the interest rates offered by lenders will tend to vary greatly. This is why you need to do research in order to find the lowest interest rate available in your area. Finding a low rate can save you literally thousands of dollars during the time you are paying off the mortgage. Here are some tips you can use to find a …

Business, Headline »

LLC and LLP: What is the Difference?

A Limited Liability Partnership (LLP) and a Limited Liability Company (LLC) are both fairly new legal entities in the business world. They share similar aspects of a partnership and corporation. However, the differences between these two types of business are particular primarily to the state in which the company operates.
State Laws, Formation and Operation
Laws vary by state, but generally speaking LLCs can be formed by any business or persons, while LLPs are restricted to professionally licensed individuals. Both are created through articles of organization or formation, and are run based …

Headline, Investing »

8 Tips for First-Time Investors

Stocks and bonds can be intimidating things, especially for those without a formal financial background. Here are just eight tips for the first-time investor that will shed some light on the enigmatic practice.
1. Establish Goals
What are you hoping to achieve with your investment pursuits? Do you need money by the end of the year to start a business, or are you thinking long-term for things like your child’s college fund? Knowing your goals in advance will help you make better decisions about risk assessments and payoff options.
2. Save Your Money
While …

Credit, Headline, Personal Finance »

Understanding How to Build Credit

A friend recently told me he couldn’t make sense out of his credit. I asked why, and he told me he had just recently paid off a $13,500 credit card balance only to watch his credit score drop a few points. My friend was convinced it was impossible to understand how building credit works. “Shouldn’t paying off my debt mean I look better to lenders?” He grumbled.
Yes and no. Truth be told, there’s more to credit reports and credit scores than simply showing an ability to pay your debts on time. Normal folks with …

Headline, Personal Finance »

Loans checklist

Things to bear in mind when looking for a loan
If you’re thinking about getting a loan, it pays to have some kind of loans checklist in place so you know how to go about it. There are quite a few elements to think about when you’re looking for a loan, regardless of whether you want small loans, bad credit loans or even a home loan.
Secured loans or unsecured loans?
This is perhaps the first thing you should think about. A secured loan is attached to something of value, usually your home. …

Headline, Personal Finance, Real Estate »

First-Time Home Buyers

Current real estate trends show that property sales are on the rise, and many first-time home buyers are actively looking for that perfect house to call home. Interest rates remain at an all-time low, and new buyers are taking advantage of them in record numbers.
According to real estate market studies and trends, overall sales are up at least two percent since 2013. Real estate statistics also show that 30 percent of those sales belong to first-time home buyers who are eager to get into a place they can call their …

Business, Headline »

Subject Lines that Guarantee Your Email Will Be Opened

Are you tired of your emails going unread? Take action and get them noticed. With these 10 subject lines, recipients are more likely to open an email and read your message.

Put the Details First

Journalists have long warned against burying the lead. They know that putting the main idea first increases the likelihood that your readers will keep reading. Consider the typical “you’re invited” email. Compare that to “Party – My House – Sat. at 8 p.m.” Which are you tempted to read?

Lead with a Question

Subject lines with questions …

Business, Headline »

The Business of Personality

Starting a business can be an exciting and challenging task. While many have visions of what they would like to achieve, the getting there can be where things can go astray. Having the determination alone may not be enough if you lack a sound business plan. With you business plan, you also need to encompass quality personality traits in order to set yourself up for success.
So you have done your homework and thought out a business you would like to pursuit, have invested countless hours researching and are motivated to …