Monday, November 5, 2007
The Jerome Bettis Fumble
Nobody knows about the future of Jerome Bettis except him and his family but if the Indianapolis Colts had scored a game winning touchdown at the end of the game, Bettis would be back. Jerome Bettis is a gamer, and will live on as one of the best franchise players of the Pittsburgh Steelers organization. This can not be said lightly as the Steelers organization is one of the most storied franchises of the NFL.
Jerome Bettis would not be back for personal pride though, he is not a selfish player. He is not the type of player to come back to redeem himself like other players might, he does not need to legitimize his career. His choice to come back would be because of the betterment of the Pittsburgh Steelers. Any potential hall of famer to take a back seat, take less pay, and be completely happy with the decision is the ultimate team player.
The Steelers without Jerome Bettis is like a Peanut Butter and Jelly sandwich without the bread. What is going to hold it together? His leadership, mentoring of the young Willie Parker, his relationship with Ben Roethlisberger, his reliability in the short yardage downs, and his work ethic will be a vital loss to the Steelers.
The Steelers will lose Jerome Bettis one of these years. I feel that if the Steelers win the Super Bowl, he will not be back. But there is no doubt that Jerome Bettis has given a lasting legacy on the Pittsburgh Steelers. The football gods were right to not let the Jerome Bettis fumble be the deciding factor in this game.
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Become Car Owner by Availing Car Loan
Car loans provides the financial support to all those who are willing to buy a new car or second hand car. In present times, a car loan is also considered as the most common loan in the finance industry as car is becoming a necessity either for our business or personal purpose.
Now lets come to the core of any car loan agreement that is, its interest rate. Interest rate varies from person to person and they are determined on the financial situation of the person, as person with strong financial background is always being offered with competitive rates. But there are some common factors which affect the interest rate being offered to either to the person with strong or weak financial status. These are:
Amount financed
Repayment period
Base rate
Prevailing market etc.
It is also seen that the lender generally offers two types of interest rates which are fixed rate of interest and floating rate of interest. In fixed rate of interest, the rate is fixed till entire term of loan. And in variable interest rate, the rate fluctuates with the change in the base rate and market forces.
When the person, availing Car Loan he is obliged to pay a monthly payment which is known as equated monthly instalment (EMI). EMI basically includes two components or payments that are the principal amount and the interest rate. EMI of a person is determined on the basis of the loan term he chooses. In other words, if he chooses long repayment period, in such case his EMI will be less as compared to the EMI in the shorter period. Various lenders provide loan calculator which is basically designed to determine the EMI of the person.
Commonly, the car loan is secured against the car itself but he also has an option to place his asset or any thing of value as collateral. Collateral placed helps in availing loan on competitive prices. And if the borrower misses any payment, in such case, the lender can either sell his asset or can even take back the car. Missing any payment not only results in repossession but also put a tag of bad credit in his credit report. And this tag further emerges as hurdle while performing in the financial market.
Finally, when the person goes in the financial market to avail car loan, he must always try to adopt transparency in providing any sort of information to the lender.
Xenia Stevens has been associated with AmericasCarLoans. She has completed her Masters in Finance from Cranfield School of Management. She provides useful information on Car loans. For further details in car loans, car loan, car loan financing, instant car loans,private car loans in US visit http://www.americascarloans.comMortgage Leads
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Now lets come to the core of any car loan agreement that is, its interest rate. Interest rate varies from person to person and they are determined on the financial situation of the person, as person with strong financial background is always being offered with competitive rates. But there are some common factors which affect the interest rate being offered to either to the person with strong or weak financial status. These are:
Amount financed
Repayment period
Base rate
Prevailing market etc.
It is also seen that the lender generally offers two types of interest rates which are fixed rate of interest and floating rate of interest. In fixed rate of interest, the rate is fixed till entire term of loan. And in variable interest rate, the rate fluctuates with the change in the base rate and market forces.
When the person, availing Car Loan he is obliged to pay a monthly payment which is known as equated monthly instalment (EMI). EMI basically includes two components or payments that are the principal amount and the interest rate. EMI of a person is determined on the basis of the loan term he chooses. In other words, if he chooses long repayment period, in such case his EMI will be less as compared to the EMI in the shorter period. Various lenders provide loan calculator which is basically designed to determine the EMI of the person.
Commonly, the car loan is secured against the car itself but he also has an option to place his asset or any thing of value as collateral. Collateral placed helps in availing loan on competitive prices. And if the borrower misses any payment, in such case, the lender can either sell his asset or can even take back the car. Missing any payment not only results in repossession but also put a tag of bad credit in his credit report. And this tag further emerges as hurdle while performing in the financial market.
Finally, when the person goes in the financial market to avail car loan, he must always try to adopt transparency in providing any sort of information to the lender.
Xenia Stevens has been associated with AmericasCarLoans. She has completed her Masters in Finance from Cranfield School of Management. She provides useful information on Car loans. For further details in car loans, car loan, car loan financing, instant car loans,private car loans in US visit http://www.americascarloans.comMortgage Leads
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Debt Consolidation May Be an Important Resource for Home Business Owners
One of the main reasons that viable and otherwise sound businesses fail is that owners lack financial resources to weather the first difficult months and even years. Starting a freelance or other home-based enterprise can be a lucrative venture, but it is highly unlikely the rewards will roll in early in the game.
Most business advisors recommend that a new business owner sock away enough money to support himself for a year or more before embarking on a business.
This does not mean that the business will not take in money, even early on. The usual course of small business is that business starts slowly at first and builds, often in fits and spurts. However, small businesses will have a disproportionate amount of expenses in these first months and years.
You'll be surprised by the expenditures you'll have in the first year; you have to buy all of your equipment, supplies, permits, software, and so on. These seemingly minor items can end up costing you thousands of dollars. Covering those expenses can be tough. Even when a new business starts to earn money, it is not unusual for it to post losses in the early months because necessary expenditures simply outpace earnings.
Besides saving money for the day you start your business, you should also work very hard to reduce your personal expenditures. Anything that can be paid off before you start your business should be paid off. Besides, it will be good practice for the new business owner to practice living more frugally! Most new businesses will take a lot of financial flexibility and learning how to live on less is a great skill that just about every business owner will tell you is important.
If you have debt (and who doesn't?) you may want to consider something known as debt consolidation. Before you get riled up, debt consolidation is not bankruptcy or debt settlement. It's a perfectly legal, ethical way to roll your many small debts together in one package and then negotiate a better loan on the large amount. The idea behind debt consolidation is that you may be able to restructure (consolidate) your debt in such a way that you will have to pay less interest to pay it off.
Debt consolidation won't hurt your credit report. In fact, it could actually improve it! That's because debt consolidation means you get a big loan to pay off your smaller debts. Paying off a debt usually improves your credit. And if you manage the larger debt consolidation loan well, that will help your credit, too.
By the way, a good credit score is essential for a new business owner!
But how does it work? In theory, you gather your debts. Let's say you owe $5,000 on a department store credit card that charges 22% a year interest. That may sound exorbitant, but it is not all that unusual. The interest on a loan like that is $1,100 a year!
Let's say you have some other loans. For the purpose of illustration, let's say you have one credit card maxed out to $10,000 at 16% ($1,600 interest a year) and another credit card that charges 14% where you've charged $3,200 ($448 a year in interest).
Put these three amounts together and add them up. You'll end up with $18,200 in debt. Now let's just say for theory's sake that you can find a new loan for $18,200 that charges just 12% interest. You get that new loan, use it to promptly pay off your three charge cards, and now you pay off the one new loan. By the way, 12% of $18,200 is $2,184 in interest a year.
Consolidating that debt saves you $964 a year in interest. You have to pay $80 a month less. If you are really savvy, you'll take that $80 and apply it toward the principal. You spend the same exact amount of money, but you will get out of debt significantly faster.
That's a small picture of debt consolidation. You can also roll in car notes, student loans, medical bills, and other debts.
Of course, debt consolidation can be tricky. First, it may not work for you-you may owe money but at rates that are already as low as you can get. Second, you might want to get a lower-interest-rate loan but cannot qualify. It helps if you own your own home, but even if you do not, there are other ways to consolidate your debt.
If you can consolidate and pay off your debt, you'll have a tremendous business edge, one that is hard to appreciate until you've been in business for a while. The lower you can reduce your expenses and the more adjustable you are to living modestly during the early years of your business, the more freedom you'll have and the more time you'll have to give your business the start it deserves!
Jo Ann LeQuang has owned and operated her own business for five years in Texas. Find out what she does at http://www.LeQMedical.com and, if you're a writer interested in a home-based business, check out http://www.WorkingTexasWriter.com .Exclusive Mortgage Leads
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Most business advisors recommend that a new business owner sock away enough money to support himself for a year or more before embarking on a business.
This does not mean that the business will not take in money, even early on. The usual course of small business is that business starts slowly at first and builds, often in fits and spurts. However, small businesses will have a disproportionate amount of expenses in these first months and years.
You'll be surprised by the expenditures you'll have in the first year; you have to buy all of your equipment, supplies, permits, software, and so on. These seemingly minor items can end up costing you thousands of dollars. Covering those expenses can be tough. Even when a new business starts to earn money, it is not unusual for it to post losses in the early months because necessary expenditures simply outpace earnings.
Besides saving money for the day you start your business, you should also work very hard to reduce your personal expenditures. Anything that can be paid off before you start your business should be paid off. Besides, it will be good practice for the new business owner to practice living more frugally! Most new businesses will take a lot of financial flexibility and learning how to live on less is a great skill that just about every business owner will tell you is important.
If you have debt (and who doesn't?) you may want to consider something known as debt consolidation. Before you get riled up, debt consolidation is not bankruptcy or debt settlement. It's a perfectly legal, ethical way to roll your many small debts together in one package and then negotiate a better loan on the large amount. The idea behind debt consolidation is that you may be able to restructure (consolidate) your debt in such a way that you will have to pay less interest to pay it off.
Debt consolidation won't hurt your credit report. In fact, it could actually improve it! That's because debt consolidation means you get a big loan to pay off your smaller debts. Paying off a debt usually improves your credit. And if you manage the larger debt consolidation loan well, that will help your credit, too.
By the way, a good credit score is essential for a new business owner!
But how does it work? In theory, you gather your debts. Let's say you owe $5,000 on a department store credit card that charges 22% a year interest. That may sound exorbitant, but it is not all that unusual. The interest on a loan like that is $1,100 a year!
Let's say you have some other loans. For the purpose of illustration, let's say you have one credit card maxed out to $10,000 at 16% ($1,600 interest a year) and another credit card that charges 14% where you've charged $3,200 ($448 a year in interest).
Put these three amounts together and add them up. You'll end up with $18,200 in debt. Now let's just say for theory's sake that you can find a new loan for $18,200 that charges just 12% interest. You get that new loan, use it to promptly pay off your three charge cards, and now you pay off the one new loan. By the way, 12% of $18,200 is $2,184 in interest a year.
Consolidating that debt saves you $964 a year in interest. You have to pay $80 a month less. If you are really savvy, you'll take that $80 and apply it toward the principal. You spend the same exact amount of money, but you will get out of debt significantly faster.
That's a small picture of debt consolidation. You can also roll in car notes, student loans, medical bills, and other debts.
Of course, debt consolidation can be tricky. First, it may not work for you-you may owe money but at rates that are already as low as you can get. Second, you might want to get a lower-interest-rate loan but cannot qualify. It helps if you own your own home, but even if you do not, there are other ways to consolidate your debt.
If you can consolidate and pay off your debt, you'll have a tremendous business edge, one that is hard to appreciate until you've been in business for a while. The lower you can reduce your expenses and the more adjustable you are to living modestly during the early years of your business, the more freedom you'll have and the more time you'll have to give your business the start it deserves!
Jo Ann LeQuang has owned and operated her own business for five years in Texas. Find out what she does at http://www.LeQMedical.com and, if you're a writer interested in a home-based business, check out http://www.WorkingTexasWriter.com .Exclusive Mortgage Leads
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Become Car Owner by Availing Car Loan
Car loans provides the financial support to all those who are willing to buy a new car or second hand car. In present times, a car loan is also considered as the most common loan in the finance industry as car is becoming a necessity either for our business or personal purpose.
Now lets come to the core of any car loan agreement that is, its interest rate. Interest rate varies from person to person and they are determined on the financial situation of the person, as person with strong financial background is always being offered with competitive rates. But there are some common factors which affect the interest rate being offered to either to the person with strong or weak financial status. These are:
Amount financed
Repayment period
Base rate
Prevailing market etc.
It is also seen that the lender generally offers two types of interest rates which are fixed rate of interest and floating rate of interest. In fixed rate of interest, the rate is fixed till entire term of loan. And in variable interest rate, the rate fluctuates with the change in the base rate and market forces.
When the person, availing Car Loan he is obliged to pay a monthly payment which is known as equated monthly instalment (EMI). EMI basically includes two components or payments that are the principal amount and the interest rate. EMI of a person is determined on the basis of the loan term he chooses. In other words, if he chooses long repayment period, in such case his EMI will be less as compared to the EMI in the shorter period. Various lenders provide loan calculator which is basically designed to determine the EMI of the person.
Commonly, the car loan is secured against the car itself but he also has an option to place his asset or any thing of value as collateral. Collateral placed helps in availing loan on competitive prices. And if the borrower misses any payment, in such case, the lender can either sell his asset or can even take back the car. Missing any payment not only results in repossession but also put a tag of bad credit in his credit report. And this tag further emerges as hurdle while performing in the financial market.
Finally, when the person goes in the financial market to avail car loan, he must always try to adopt transparency in providing any sort of information to the lender.
Xenia Stevens has been associated with AmericasCarLoans. She has completed her Masters in Finance from Cranfield School of Management. She provides useful information on Car loans. For further details in car loans, car loan, car loan financing, instant car loans,private car loans in US visit http://www.americascarloans.comLive Mortgage Leads
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Now lets come to the core of any car loan agreement that is, its interest rate. Interest rate varies from person to person and they are determined on the financial situation of the person, as person with strong financial background is always being offered with competitive rates. But there are some common factors which affect the interest rate being offered to either to the person with strong or weak financial status. These are:
Amount financed
Repayment period
Base rate
Prevailing market etc.
It is also seen that the lender generally offers two types of interest rates which are fixed rate of interest and floating rate of interest. In fixed rate of interest, the rate is fixed till entire term of loan. And in variable interest rate, the rate fluctuates with the change in the base rate and market forces.
When the person, availing Car Loan he is obliged to pay a monthly payment which is known as equated monthly instalment (EMI). EMI basically includes two components or payments that are the principal amount and the interest rate. EMI of a person is determined on the basis of the loan term he chooses. In other words, if he chooses long repayment period, in such case his EMI will be less as compared to the EMI in the shorter period. Various lenders provide loan calculator which is basically designed to determine the EMI of the person.
Commonly, the car loan is secured against the car itself but he also has an option to place his asset or any thing of value as collateral. Collateral placed helps in availing loan on competitive prices. And if the borrower misses any payment, in such case, the lender can either sell his asset or can even take back the car. Missing any payment not only results in repossession but also put a tag of bad credit in his credit report. And this tag further emerges as hurdle while performing in the financial market.
Finally, when the person goes in the financial market to avail car loan, he must always try to adopt transparency in providing any sort of information to the lender.
Xenia Stevens has been associated with AmericasCarLoans. She has completed her Masters in Finance from Cranfield School of Management. She provides useful information on Car loans. For further details in car loans, car loan, car loan financing, instant car loans,private car loans in US visit http://www.americascarloans.comLive Mortgage Leads
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Adverse Credit Mortgages
There might come a time when you need to borrow money, but you have a credit history that does not inspire too much confidence. It makes you think twice before you act. For such borrowers, an adverse credit mortgage is the answer for all their troubles. So to put it succinctly, this type of mortgage is for those who have a poor credit history or a poor credit rating as it is sometimes called. Adverse credit mortgages are also known as sub-standard mortgages, because the interest rate is not very competitive, and as a general rule is on the higher side. It is a poor cousin of the other mortgages available in the market. It is also known by various other names like bad credit mortgage, non-status mortgage, sub-prime mortgage, poor credit mortgage, and credit-impaired mortgage.
A persons bad credit history is a resultant of numerous causes. Some of the prominent amongst them are bankruptcy, I.V.A, trust deeds, prior mortgage or rent liabilities, and many more. In such cases, borrowers have to apply for a mortgage through professionals called sub prime lenders. As more and more people emerge who have an unsound credit history, so have emerged sub prime lenders. It is a pure case of demand and supply. The supply keeps pace with the demand. Lenders catering to the needs of people with adverse credit have seen a rapid increase over the years, and the idea has taken hold to such an extent that even mainstream lenders are getting into the act.
Money lending is a risky business, and a bank goes through the credit history of a prospective borrower in some detail, before lending him/her money. Their primary concern is getting their money back with the interest accrued. This is the reason why some lending organizations simply do not lend to borrowers who come under the high-risk category. But, there are others who adjust their interest rates on the higher side and give you the requisite loan. More often than not an adverse credit mortgage involves the paying of interest rates on your mortgages that are much higher than ordinary. Thus it prevents fraud & helps both, moneylenders as well as credit takers to improve upon their ratings. This is the prime reason why more & more people are turning towards adverse credit mortgages.
Adverse credit mortgages have their positive side too. Do consider the point that at the end of the day, you do get a house that you can call your own. Moreover, if you repay the mortgage in the designated time frame, your credit history sees a turn for the better. Adverse credit mortgages have come like a breath of fresh air for those wanting to take mortgage. This type of mortgage has given a fresh lease of life to people who want to fulfill their dreams. Not only it prevents fraud but is seen as a cure for bad credit history. The only thing that was standing between these people and their dream was a bad credit history. Adverse credit mortgages have made poor credit history, history!
James Smiths has been writing about mortgages for many years and offers information on the different types of mortgages available from the web site - http://www.1mortgagesuk.co.ukExclusive Mortgage Leads
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A persons bad credit history is a resultant of numerous causes. Some of the prominent amongst them are bankruptcy, I.V.A, trust deeds, prior mortgage or rent liabilities, and many more. In such cases, borrowers have to apply for a mortgage through professionals called sub prime lenders. As more and more people emerge who have an unsound credit history, so have emerged sub prime lenders. It is a pure case of demand and supply. The supply keeps pace with the demand. Lenders catering to the needs of people with adverse credit have seen a rapid increase over the years, and the idea has taken hold to such an extent that even mainstream lenders are getting into the act.
Money lending is a risky business, and a bank goes through the credit history of a prospective borrower in some detail, before lending him/her money. Their primary concern is getting their money back with the interest accrued. This is the reason why some lending organizations simply do not lend to borrowers who come under the high-risk category. But, there are others who adjust their interest rates on the higher side and give you the requisite loan. More often than not an adverse credit mortgage involves the paying of interest rates on your mortgages that are much higher than ordinary. Thus it prevents fraud & helps both, moneylenders as well as credit takers to improve upon their ratings. This is the prime reason why more & more people are turning towards adverse credit mortgages.
Adverse credit mortgages have their positive side too. Do consider the point that at the end of the day, you do get a house that you can call your own. Moreover, if you repay the mortgage in the designated time frame, your credit history sees a turn for the better. Adverse credit mortgages have come like a breath of fresh air for those wanting to take mortgage. This type of mortgage has given a fresh lease of life to people who want to fulfill their dreams. Not only it prevents fraud but is seen as a cure for bad credit history. The only thing that was standing between these people and their dream was a bad credit history. Adverse credit mortgages have made poor credit history, history!
James Smiths has been writing about mortgages for many years and offers information on the different types of mortgages available from the web site - http://www.1mortgagesuk.co.ukExclusive Mortgage Leads
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Easy Motor Loans: Now Buy A Car At Your Comfort
While looking for a car loan, borrowers prefer an option where they have the least hassles in addition to low rates of interest. Easy motor loans are a quick answer to this. They provide you with the best of terms and conditions that make it an appropriate option to avail.
Before looking for easy motor loans, the borrower should make some effort in deciding beforehand and work out the details about the motor that he wants to buy. The model of the car, the make, accessories etc all have to be decided before the borrower applies for the easy motor loans.
The borrower should make sure that he has the easy motor loans approved before he goes to the car showroom so that he is not lured away from his pre-decided specifications by the showroom owner for some other deal. While applying for easy motor loans, the borrower should be careful about any hidden fee and processing charges which may amount to a lot.
Easy motor loans can be secured by pledging the very same car as collateral. This will help him in obtaining a lower rate of interest. Unsecured easy motor loans help the borrower in obtaining money for the car without any security. The amount that is borrowed has to be repaid in a term of 2-7 years. The term is short as the value of the car starts to depreciate after this duration.
Bad credit borrowers can also avail easy motor loans. The rate of interest charged is slightly higher than the usual but that can be cut down with the help of proper research for finding a suitable lender.
Online research can help a lot in finding easy motor loans. Quotes can be obtained online and then a proper comparison of these quotes can help in finding a suitable deal for easy motor loans.
Easy motor loans are a very comfortable way to borrow money for buying a car. The terms and conditions provided are suitable to the borrower. Easy motor loans thus prove to be a highly borrower-friendly deal.
Eunice Scott is a financial advisor at MotorLoansUK and provides advices on finance and insurance. In recent years he has taken up to provide independent financial advice through his informative articles. To know more about Easy Motor Loans visit http://www.motorloansuk.co.ukVoice Broadcasting
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Before looking for easy motor loans, the borrower should make some effort in deciding beforehand and work out the details about the motor that he wants to buy. The model of the car, the make, accessories etc all have to be decided before the borrower applies for the easy motor loans.
The borrower should make sure that he has the easy motor loans approved before he goes to the car showroom so that he is not lured away from his pre-decided specifications by the showroom owner for some other deal. While applying for easy motor loans, the borrower should be careful about any hidden fee and processing charges which may amount to a lot.
Easy motor loans can be secured by pledging the very same car as collateral. This will help him in obtaining a lower rate of interest. Unsecured easy motor loans help the borrower in obtaining money for the car without any security. The amount that is borrowed has to be repaid in a term of 2-7 years. The term is short as the value of the car starts to depreciate after this duration.
Bad credit borrowers can also avail easy motor loans. The rate of interest charged is slightly higher than the usual but that can be cut down with the help of proper research for finding a suitable lender.
Online research can help a lot in finding easy motor loans. Quotes can be obtained online and then a proper comparison of these quotes can help in finding a suitable deal for easy motor loans.
Easy motor loans are a very comfortable way to borrow money for buying a car. The terms and conditions provided are suitable to the borrower. Easy motor loans thus prove to be a highly borrower-friendly deal.
Eunice Scott is a financial advisor at MotorLoansUK and provides advices on finance and insurance. In recent years he has taken up to provide independent financial advice through his informative articles. To know more about Easy Motor Loans visit http://www.motorloansuk.co.ukVoice Broadcasting
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Is Duplication In Network Marketing a Myth?
Throughout the history of network marketing, duplication has been proclaimed as essential. Statements like, "If something is not duplicatable, do not do it" have been set in stone. Then one of the most high profile and most successful network marketers declares duplication is a myth. Is he right and if so, where does that leave us?
I think it is a matter of degree. The degree of duplicatability depends on what you are doing to build your network marketing business. Once upon a time their was no internet. We had to approach our friends, family, work colleagues and talk to anyone who came within 3 feet of us - that is one metre for you metric-heads. These examples demonstrate how our personality played a major role in our rate of success. Since each of us is unique, our personalities cannot be duplicated which lends weight to the argument that duplication is a myth, but then there is the internet.
On the internet everything can be automated. I can set up a, "just add water" marketing system with everything such as suggested headlines and ad copy; how to's on blog marketing, article marketing, search engine optimisation, effective pay per click advertising and much more.
I could make this marketing system available to everybody in my group and by using it they will get very similar results. They can duplicate me - but still only to a degree because - and this may surprise you - of the internet.
As soon as you offer a specific way to do something, word gets out and on the internet, most people will be using it within 48 hours and be competing with each other. The traffic exchanges demonstrate multiple examples of this. That being the case, the more determined and enterprising network marketers look for ways to tweak the system. A typical tweak for example, is to modify advertisements by changing the headlines and the body copy. How does this affect duplication?
Tweaking any part of the system introduces your own ideas and preferences - your personality. As your personality is unique, any changes you make, reduces by degree, the duplicatablity of the system, does it not? Back to the question - where does this leave you and me?
It doesn't change anything for you and me, because duplication never has existed, or at least not for any length of time. Modern technology such as the internet has raised the degree of duplicatability which merely provides for a larger percentage of the population to succeed than ever before. What will change things for you and me is to engage in constant and never ending improvement in everything we do in network marketing, which by default, reduces the degree of duplication.
Gordon Milton is a successful internet marketer who specialises in helping other network marketers achieve their financial goals. To learn more about his techniques, visit: http://gotitfigured.wsLive Mortgage Leads
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I think it is a matter of degree. The degree of duplicatability depends on what you are doing to build your network marketing business. Once upon a time their was no internet. We had to approach our friends, family, work colleagues and talk to anyone who came within 3 feet of us - that is one metre for you metric-heads. These examples demonstrate how our personality played a major role in our rate of success. Since each of us is unique, our personalities cannot be duplicated which lends weight to the argument that duplication is a myth, but then there is the internet.
On the internet everything can be automated. I can set up a, "just add water" marketing system with everything such as suggested headlines and ad copy; how to's on blog marketing, article marketing, search engine optimisation, effective pay per click advertising and much more.
I could make this marketing system available to everybody in my group and by using it they will get very similar results. They can duplicate me - but still only to a degree because - and this may surprise you - of the internet.
As soon as you offer a specific way to do something, word gets out and on the internet, most people will be using it within 48 hours and be competing with each other. The traffic exchanges demonstrate multiple examples of this. That being the case, the more determined and enterprising network marketers look for ways to tweak the system. A typical tweak for example, is to modify advertisements by changing the headlines and the body copy. How does this affect duplication?
Tweaking any part of the system introduces your own ideas and preferences - your personality. As your personality is unique, any changes you make, reduces by degree, the duplicatablity of the system, does it not? Back to the question - where does this leave you and me?
It doesn't change anything for you and me, because duplication never has existed, or at least not for any length of time. Modern technology such as the internet has raised the degree of duplicatability which merely provides for a larger percentage of the population to succeed than ever before. What will change things for you and me is to engage in constant and never ending improvement in everything we do in network marketing, which by default, reduces the degree of duplication.
Gordon Milton is a successful internet marketer who specialises in helping other network marketers achieve their financial goals. To learn more about his techniques, visit: http://gotitfigured.wsLive Mortgage Leads
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Buyer Beware! 3 Foreclosure Scams and How to Spot Them
If at any time the adage of Let the buyer beware were applicable, it would certainly be when a homeowner is experiencing foreclosure. Distressed homeowners undergoing foreclosure are often approached by less than ethical business people (lenders, financial advisor and/or realtors) that are more interested in their own financial gain than helping the homeowner to get out of foreclosure.
A homeowner should be very wary of such too-good-to-be-true offers and keep in mind that each foreclosure situation is unique to the individual homeowner. While some homeowner's may be seriously in debt, unemployed and overextended, others may have enough equity and credit to be able to sell their home or restructure their loan. The first rule of thumb a homeowner should determine to do is to explore ALL their options, this would help them avoid or be tempted by some of the following foreclosure scams.
Equity Stripping or Skimming
In this type of scam, a "buyer" approaches the homeowner, offering to assist the homeowner out of financial trouble by promising to pay off their mortgage or give them a sum of money when the property is sold. The "buyer" may suggest that the homeowner should move out quickly and deed the property to him or her. The "buyer" then collects rent for a time, does not make any mortgage payments, and allows the lender to foreclose. Remember, signing over your deed to someone else does not necessarily relieve you of your obligation on your loan. A homeowner may find himself saddled with the loan he thought he had signed off on and therefore, in a worse financial situation then the previous one he or she was experiencing.
If the home has a lot of equity in it the "skimmer" will sell the home, pay off back debts on the home, and keep the equity the homeowner could have had if they had sold their home themselves.
Straw Buyer
A straw buyer (usually a person with good to excellent credit) is usually offered a payment, often several thousand dollars, for the use of their name and credit information to make a "false purchase". A straw buyer may or may not know that their name will be on the mortgage application. Straw buyers are also used to sign documents that contain false information. For example a straw buyer might sign something that states that the purchaser intends to live in the property when they really have no intention of doing so. If any document is signed that states the property is worth a specific amount, but the straw buyer has never seen the property, they are committing fraud. If the lender asks if the down payment came from the straw buyer's own funds and he/she answers dishonestly, this too would be fraud.
After a straw buyer takes title to the property, the originator of the scheme, be it a realtor or loan officer behind the scheme usually assumes the mortgage and the title to the property. However, a straw buyer may still be responsible for a mortgage even after someone else has assumed it because it was obtained fraudulently.
It is a criminal offence to obtain credit under false pretences. If payments are not made on the mortgage, the lender will foreclose on the property to recover their losses. The straw buyer could be sued for the difference between the amount of money received from the sale of the property and the amount of money owed on the mortgage.
Signing Over Their Deed
A distressed homeowner having trouble keeping up with the mortgage is pursued by another lender, who tells him it's necessary to deed the house over to him in exchange for new financing. Often, the money never comes, and the scam artist sells the property to someone else. Don't ever sign your deed away!
In addition, a homeowner should beware of solicitations either by mail or phone from counseling agencies that charge exorbitant fees to assist them. Some groups calling themselves "counseling agencies" may approach the homeowner and offer to perform certain services for a fee. These could very well be services the homeowner could do for themselves for free, such as negotiating a new payment plan with the lender, or pursuing a legitimate pre-foreclosure sale. Review the legitimacy of these businesses with the Better Business Bureau or other federal agencies.
Some general tips a homeowner should keep in mind is to call or write their mortgage lender immediately and be honest about their financial situation. Many lenders have programs to assist homeowners in financial distress. Also, the homeowner should make sure that they stay in their home to make sure that they qualify for such assistance. Most importantly, a homeowner should explore ALL their alternatives before taking any action.
Nef Cortez has been a licensed real estate broker and has held various positions in the mortgage and real estate industry for over 25+ years. Visit his website at http://www.nefcortez.com for information on foreclosures.Live Mortgage Leads
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A homeowner should be very wary of such too-good-to-be-true offers and keep in mind that each foreclosure situation is unique to the individual homeowner. While some homeowner's may be seriously in debt, unemployed and overextended, others may have enough equity and credit to be able to sell their home or restructure their loan. The first rule of thumb a homeowner should determine to do is to explore ALL their options, this would help them avoid or be tempted by some of the following foreclosure scams.
Equity Stripping or Skimming
In this type of scam, a "buyer" approaches the homeowner, offering to assist the homeowner out of financial trouble by promising to pay off their mortgage or give them a sum of money when the property is sold. The "buyer" may suggest that the homeowner should move out quickly and deed the property to him or her. The "buyer" then collects rent for a time, does not make any mortgage payments, and allows the lender to foreclose. Remember, signing over your deed to someone else does not necessarily relieve you of your obligation on your loan. A homeowner may find himself saddled with the loan he thought he had signed off on and therefore, in a worse financial situation then the previous one he or she was experiencing.
If the home has a lot of equity in it the "skimmer" will sell the home, pay off back debts on the home, and keep the equity the homeowner could have had if they had sold their home themselves.
Straw Buyer
A straw buyer (usually a person with good to excellent credit) is usually offered a payment, often several thousand dollars, for the use of their name and credit information to make a "false purchase". A straw buyer may or may not know that their name will be on the mortgage application. Straw buyers are also used to sign documents that contain false information. For example a straw buyer might sign something that states that the purchaser intends to live in the property when they really have no intention of doing so. If any document is signed that states the property is worth a specific amount, but the straw buyer has never seen the property, they are committing fraud. If the lender asks if the down payment came from the straw buyer's own funds and he/she answers dishonestly, this too would be fraud.
After a straw buyer takes title to the property, the originator of the scheme, be it a realtor or loan officer behind the scheme usually assumes the mortgage and the title to the property. However, a straw buyer may still be responsible for a mortgage even after someone else has assumed it because it was obtained fraudulently.
It is a criminal offence to obtain credit under false pretences. If payments are not made on the mortgage, the lender will foreclose on the property to recover their losses. The straw buyer could be sued for the difference between the amount of money received from the sale of the property and the amount of money owed on the mortgage.
Signing Over Their Deed
A distressed homeowner having trouble keeping up with the mortgage is pursued by another lender, who tells him it's necessary to deed the house over to him in exchange for new financing. Often, the money never comes, and the scam artist sells the property to someone else. Don't ever sign your deed away!
In addition, a homeowner should beware of solicitations either by mail or phone from counseling agencies that charge exorbitant fees to assist them. Some groups calling themselves "counseling agencies" may approach the homeowner and offer to perform certain services for a fee. These could very well be services the homeowner could do for themselves for free, such as negotiating a new payment plan with the lender, or pursuing a legitimate pre-foreclosure sale. Review the legitimacy of these businesses with the Better Business Bureau or other federal agencies.
Some general tips a homeowner should keep in mind is to call or write their mortgage lender immediately and be honest about their financial situation. Many lenders have programs to assist homeowners in financial distress. Also, the homeowner should make sure that they stay in their home to make sure that they qualify for such assistance. Most importantly, a homeowner should explore ALL their alternatives before taking any action.
Nef Cortez has been a licensed real estate broker and has held various positions in the mortgage and real estate industry for over 25+ years. Visit his website at http://www.nefcortez.com for information on foreclosures.Live Mortgage Leads
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Why Go Offshore?
Introduction - Today we read about a large number of people from a variety of different countries going offshore. By going offshore we mean opening offshore bank accounts, forming offshore companies and offshore foundations in tax haven countries. Some are even opening offshore stock trading accounts. This sort of activity and gets a lot of people wondering why all this sudden excitement over offshore banking and offshore corporations. Well try to provide some answer.
Taxes Most people think the rush to go offshore is to avoid taxation which would in their minds explain why most are going to tax haven countries to form their offshore corporations and open their offshore bank accounts. A tax haven country is a country where offshore derived income is not taxed. The jurisdiction will usually look towards taxation on imported goods to derive their tax base. Generally a tax haven jurisdiction such as Panama will also not have any capital gains tax, no inheritance tax and corporate taxes are generally fixed in the form of a few hundred dollars that is paid each year as the filing fee for the corporation. Some countries allow people to earn money when offshore or out of their country tax free and other countries allow for partial exemptions and others offer no break of any sort. We do feel that people are going offshore for reasons other than tax avoidance or minimization. We often see large corporations are shifting their activities outside of their home country for reasons other than taxation although taxation is probably in there as a determining factor as well. Their operating expenses are so high there are precious few net profit dollars left to be taxed. These companies are trying to stay competitive in their market and are choking on the expenses associated with employee wages, employee benefits, employee medical plan premiums, litigation insurance premiums, discrimination lawsuits, unjust termination lawsuits, retirement benefits, disability insurance premiums, unemployment insurance premiums, and standards for health and safety imposed by their respective governments in the workplace which then brings us to high costs associated with office space. Few if any of these expenses follows the large corporation when they move offshore. Taxes tend to come into play but that is only one small piece of the equation. Today we see a large amount of phone rooms coming to Panama. These are usually not new jobs being created, they are jobs moving to Panama from other countries. These jobs are generally customer service jobs, support jobs and soft sales jobs where the salesperson offers more explanation than sales pressure. The companies tend to save in many ways enabling them to be competitive and offer a competitive level of service to their customers. Of course the effect of companies moving from the large North American and Western European countries is damaging to say the least to those economies they are departing from.
Privacy Concerns Let us look at some of the reasons why people move their assets to a offshore tax haven that is also a privacy haven like Panama.
1) Tax Haven Status These people already under the burden of taxation from many of their home countries do not want additional tax burdens. Contrary to popular belief most of the money moving offshore has already been taxed by the various home countries and if there are additional taxes it would be too burdensome. They want to be free of additional taxes.
2) Privacy People like to be as private as possible in their financial affairs. How many of you would stroll through any major city of the world today openly displaying a solid gold Rolex full of diamonds along with a nice large diamond ring? Not too many! Why? Because you do not want to run the risk of becoming a victim of robbery or assault. So what do you think is different about having expensive real estate in your own name, boats, planes, bank accounts etc. Nothing is different. People with large amounts of assets are a target and they have every right to keep there financial affairs as private as possible and in many countries it is essential to their health.
3) Kidnapping In many countries kidnapping victims are selected based on real estate holdings. The advantages to putting real estate in the name of an anonymous Panama bearer share corporation are obvious. When people look up the real estate they can not tell who the natural persons are behind the corporation that owns the real estate. In Panama the owners of the stock of a bearer share corporation do not appear in any public registry or database. When it comes time to sell the real estate the corporation that owns the real estate is sold, not the real estate. This prevents would be kidnappers from following real estate sales reports to look for potential victims thus protecting the subsequent owner. The same applies to the ownership of a yacht or an airplane. Another popular method of determining who is a good kidnapping victim is to have a bank employee on the payroll who scours through the files at the bank finding wealthy people for you. If you live in one country and bank say in Panama this doesnt work very well since the kidnappers would need to cultivate bank employees in Panama who could isolate victims for them in their own country. This narrows the field quite a bit especially when you take into account that in Panama a bank employee is risking a felony to violate bank secrecy which is far from the case in many other countries that routinely complain about bank secrecy and offshore jurisdictions.
4) Identity Theft Of course the prime identity theft target is one who has wealth and thus is capable of carrying large amounts of credit. With generally non existent bank privacy let alone secrecy in many countries scoundrels are free to roam through credit reports with bank details, credit card details etc and plan a devastating identity theft attack. These crooks even order private detective reports on their victims to really learn as much as they can about them. Of course the public records databases are all too accommodating providing details like drivers license records, who owns the loan on their house, cars, boats etc, what credit cards they have and so forth. Credit bureau secrecy is non-existent as evidenced by the vast amount of identity theft and credit card fraud. Offshore banks in Panama and other offshore privacy jurisdictions due to bank secrecy do not report to any credit bureaus. If you do not need credit why have regular credit cards. Use offshore bank debit cards that just sweep the money directly out of your bank account and thus you stay private with how much you spend and how much credit you have not appearing in any credit reports. The history of your purchases would also be immensely harder for say a private detective to get from an offshore bank, they seem to have no trouble getting this date from regular banks in many countries.
5) Frivolous Litigation In many countries lawyer can operate on contingency and like to sue those who have deep pockets. The best way to see how deep a persons pockets are is to run an asset check on them. If their assets are all private like they bank in bank secrecy jurisdictions like Panama, have real estate owned by anonymous Panama Foundations or anonymous Panama Corporations then the asset check will come back low on assets, probably too low to invest a lot of time and money in frivolous litigation. This also keeps the persons assets free of pre-trial attachment which is a favorite trick of unethical attorneys that is allowed in most of these non-privacy jurisdictions.
6) Privacy Some people just want to keep their affairs private and they should be able to do just that.
For more information on asset protection go to http://www.panamalaw.org
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Taxes Most people think the rush to go offshore is to avoid taxation which would in their minds explain why most are going to tax haven countries to form their offshore corporations and open their offshore bank accounts. A tax haven country is a country where offshore derived income is not taxed. The jurisdiction will usually look towards taxation on imported goods to derive their tax base. Generally a tax haven jurisdiction such as Panama will also not have any capital gains tax, no inheritance tax and corporate taxes are generally fixed in the form of a few hundred dollars that is paid each year as the filing fee for the corporation. Some countries allow people to earn money when offshore or out of their country tax free and other countries allow for partial exemptions and others offer no break of any sort. We do feel that people are going offshore for reasons other than tax avoidance or minimization. We often see large corporations are shifting their activities outside of their home country for reasons other than taxation although taxation is probably in there as a determining factor as well. Their operating expenses are so high there are precious few net profit dollars left to be taxed. These companies are trying to stay competitive in their market and are choking on the expenses associated with employee wages, employee benefits, employee medical plan premiums, litigation insurance premiums, discrimination lawsuits, unjust termination lawsuits, retirement benefits, disability insurance premiums, unemployment insurance premiums, and standards for health and safety imposed by their respective governments in the workplace which then brings us to high costs associated with office space. Few if any of these expenses follows the large corporation when they move offshore. Taxes tend to come into play but that is only one small piece of the equation. Today we see a large amount of phone rooms coming to Panama. These are usually not new jobs being created, they are jobs moving to Panama from other countries. These jobs are generally customer service jobs, support jobs and soft sales jobs where the salesperson offers more explanation than sales pressure. The companies tend to save in many ways enabling them to be competitive and offer a competitive level of service to their customers. Of course the effect of companies moving from the large North American and Western European countries is damaging to say the least to those economies they are departing from.
Privacy Concerns Let us look at some of the reasons why people move their assets to a offshore tax haven that is also a privacy haven like Panama.
1) Tax Haven Status These people already under the burden of taxation from many of their home countries do not want additional tax burdens. Contrary to popular belief most of the money moving offshore has already been taxed by the various home countries and if there are additional taxes it would be too burdensome. They want to be free of additional taxes.
2) Privacy People like to be as private as possible in their financial affairs. How many of you would stroll through any major city of the world today openly displaying a solid gold Rolex full of diamonds along with a nice large diamond ring? Not too many! Why? Because you do not want to run the risk of becoming a victim of robbery or assault. So what do you think is different about having expensive real estate in your own name, boats, planes, bank accounts etc. Nothing is different. People with large amounts of assets are a target and they have every right to keep there financial affairs as private as possible and in many countries it is essential to their health.
3) Kidnapping In many countries kidnapping victims are selected based on real estate holdings. The advantages to putting real estate in the name of an anonymous Panama bearer share corporation are obvious. When people look up the real estate they can not tell who the natural persons are behind the corporation that owns the real estate. In Panama the owners of the stock of a bearer share corporation do not appear in any public registry or database. When it comes time to sell the real estate the corporation that owns the real estate is sold, not the real estate. This prevents would be kidnappers from following real estate sales reports to look for potential victims thus protecting the subsequent owner. The same applies to the ownership of a yacht or an airplane. Another popular method of determining who is a good kidnapping victim is to have a bank employee on the payroll who scours through the files at the bank finding wealthy people for you. If you live in one country and bank say in Panama this doesnt work very well since the kidnappers would need to cultivate bank employees in Panama who could isolate victims for them in their own country. This narrows the field quite a bit especially when you take into account that in Panama a bank employee is risking a felony to violate bank secrecy which is far from the case in many other countries that routinely complain about bank secrecy and offshore jurisdictions.
4) Identity Theft Of course the prime identity theft target is one who has wealth and thus is capable of carrying large amounts of credit. With generally non existent bank privacy let alone secrecy in many countries scoundrels are free to roam through credit reports with bank details, credit card details etc and plan a devastating identity theft attack. These crooks even order private detective reports on their victims to really learn as much as they can about them. Of course the public records databases are all too accommodating providing details like drivers license records, who owns the loan on their house, cars, boats etc, what credit cards they have and so forth. Credit bureau secrecy is non-existent as evidenced by the vast amount of identity theft and credit card fraud. Offshore banks in Panama and other offshore privacy jurisdictions due to bank secrecy do not report to any credit bureaus. If you do not need credit why have regular credit cards. Use offshore bank debit cards that just sweep the money directly out of your bank account and thus you stay private with how much you spend and how much credit you have not appearing in any credit reports. The history of your purchases would also be immensely harder for say a private detective to get from an offshore bank, they seem to have no trouble getting this date from regular banks in many countries.
5) Frivolous Litigation In many countries lawyer can operate on contingency and like to sue those who have deep pockets. The best way to see how deep a persons pockets are is to run an asset check on them. If their assets are all private like they bank in bank secrecy jurisdictions like Panama, have real estate owned by anonymous Panama Foundations or anonymous Panama Corporations then the asset check will come back low on assets, probably too low to invest a lot of time and money in frivolous litigation. This also keeps the persons assets free of pre-trial attachment which is a favorite trick of unethical attorneys that is allowed in most of these non-privacy jurisdictions.
6) Privacy Some people just want to keep their affairs private and they should be able to do just that.
For more information on asset protection go to http://www.panamalaw.org
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