That Payday Punch

In Ohio’s market today, buyers are more selective and demanding. There’s more to choose from and they expect quality and upgrades. You may be facing a dilemma as to “what to fix first” or not having any additional funds for projects. Below are the most important features when it comes to selling your home.

Kitchen – Putting in a new kitchen is always a safe and predictable way to spend money. Today, people like a big kitchen with a lot of workspace. They look for solid surface counters and high-quality flooring, such as wood, laminate, tile or stone. New/modern lighting is also desirable and can completely change the feel of the kitchen. They want newer appliances in working order. It helps to have a window over the sink and being open to another room is quite desirable in today’s market. Not only will you add considerably to the value of your home – you will also get a lot of pleasure from it!

Bathrooms – Buyers are looking for master baths that give a little room to roam. A big asset: spa or whirlpool tubs. It’s a big selling feature. Some other features buyers are seeking: separate showers with steam and/or multiple jets, Newer fixtures, double sink, and separate room for the toilet. Modern lighting, storage/linen space, ceiling vent and heat lamp combination.

Master suites/Loft conversions – These offer fantastic value for money, but don’t be tempted to squeeze two rooms into a loft space. Instead convert the loft into a master bedroom with en-suite bathroom, a guest bedroom, a teenage bedroom or a family games room. What’s important is that you keep it as a large room, giving your home instant ‘wow’ factor. Buyers are very excited about A well-appointed master suite. The wish list: a luxurious bathroom, lounging areas and walk-in closets, preferably his and hers.

Closets/Storage – Space is a huge selling feature. Beyond the his and her closets, buyers want to see SPACE! Make sure you have removed all unnecessary items and your closets and linen cabinets are almost bare! A buyer WILL open your “Secret hiding places” Garages and attics are also important. As long as they can envision their belongings fitting in YOUR home, they will be satisfied. There’s only so much we can control. If you have an older home chances are your closets were designed for the days of “a few garments.” Today’s new construction allows added space to accommodate our fashion must haves and of course our 10-20 pairs of shoes EACH.

Exteriors – Many people spend thousands improving the inside of their property without giving any thought to the exterior – big mistake! If you’ve got an old roof and outdated paint, I don’t care if you’ve updated the kitchen, bath and added gold faucets, first impressions are a must and can add as much as 5 percent to 10 percent to the value of the home. Roofs are expensive to replace and a good roof is considered standard equipment in a house. If your roof has problems, expect to take a hit in the price. Before entering the home, a buyer shouldn’t see flawed porches, loose handrails, rusty gutters or awnings. They will automatically raise an eyebrow to the rest of the home. If the exterior hasn’t been maintained, they will wonder what else they’re not seeing.

Windows – People are looking at exposures and windows, It’s been a cold winter for most of the country and energy efficiency is very important. We all know about fuel costs… Insulated windows are always a plus, Typically, they pay for themselves in five years, The cost: for an average 2,600-square-foot home, estimate about $10,000 for new windows. Well-placed skylights are also a good touch to add value.

Decorating – Neutrals always work best – they make rooms appear bigger and brighter. However, we are in danger of going overboard with the minimalist look. Put neutral colors on walls, floor and fittings, but introduce some color through paintings, and soft furnishings to give your home warmth and appeal. Pack away as many personal items as you can such as photos. Allow the potential buyer to view the home as their own with no mental obstructions.

Natural materials – People like natural materials. Ceramic tile, hardwood floors, granite. We’ve gone back to a real appreciation for historically true materials. And simulated works just as well. The look is very popular. In floor coverings – especially bathrooms or kitchens – look for ceramic tile or wood rather than linoleum, which can tear and be seen as “Cheap” Buyer’s will often overlook an outdated vanity when they see ceramic tile flooring. In the rest of the house, wood or laminate products are a plus over wall-to-wall carpet. If you have carpet, it should be a good product and well maintained so that a person doesn’t have to walk in and think, ‘I’m going to have to spend five grand right off the bat. If possible make room for a “Decorating allowance” for the buyer this way it doesn’t hurt your budget up front and comes out of your net proceeds.

Yard/Landscaping – There is not a lot you can do with the size of your yard. However, if you have an unsightly landscaping you need to spend money tidying it up. It will increase the value of your property instantly. Make sure you include a deck or patio area. Smarten up the front appearance and replace any fallen boundary fencing. Remember to keep the yard a focal point just as the interior is. Families will be spending time in the yard as well as the living room. Make landscaping and gardens child/pet friendly if possible.

Study/Den – Nearly 8 out of 10 households now have a computer. This has created an essential need for a study in many homes. Turning an under- stairs cupboard or a section of your finished basement into a study can be a great asset. But make sure it is away from the main living and sleeping areas. Entertainment systems – Most new homes are now pre-wired for surround sound and broadband points. If you are thinking of having your house re-wired, remember to include this at the same time. It will save you a lot of money in the long term.

Basements – What used to be used only for a coal shoot, work shop, storage, and laundry, is now a living space! People expect a rec room, finished walls and flooring. If your basement is not finished, it should at least be DRY and clutter free. If your whole upstairs is remodeled and modern, but the basement has water problems, THAT’S what the buyer will remember unfortunately. Add extra lighting, clean up what I like to call “Creepy corners.” Glass block windows are now standard and expected. Be sure to pay attention to the stairs leading to the basement. Paint, secure hand rails, and make it’s as appealing as possible. Again, going back to first impressions. If you know you’ve got to have something fixed, fix it Otherwise, people will subtract the cost or not make an offer on the house. Please visit my Prepare to sell page for additional tips that are cheap and easy to do.

Cecilia Sherrard

Realty One – Cleveland Ohio

Please visit my website, Youshouldown.com

The primary reason why homeowners apply for a 2nd mortgage is to find an effective means of reducing debts and having extra money for necessary home repairs. There are benefits to this approach, as well as a negative side. Before applying for a second mortgage, homeowners should examine their reason for needing the funds. Also, considering one’s credit situation is important. This way, homeowners know which lenders to apply with.

Purpose of a 2nd Mortgage

A 2nd mortgage is practical for debt consolidation, home improvements, college tuition, wedding expenses, and so forth. Getting approved with a good or high credit rating is simple. Furthermore, persons with a good rating may qualify for larger amounts and pay less interest. Still, many lenders seek applicants with less than perfect credit. In fact, these lenders encourage persons with bad credit to obtain 2nd mortgages, which could gradually help raise their credit score.

Even though acquiring a 2nd mortgage and paying off debts will not magically raise one’s credit score by 100 points, it is a good starting point. Once the debts are repaid, and the homeowner continues to demonstrate wise use of credit, (keeping balances low, paying debts on time), their score will improve.

Suitable Lenders for Bad Credit Applicants

If applying for a 2nd mortgage with poor credit, your choice of lenders may be few. Some homeowners obtain their loan from the existing lender. However, if you applied for the original loan with a high credit score, and your credit score has since decreased, the lender may not approve the request for a 2nd mortgage.

In this case, homeowners would need to find lenders willing to approve loans to persons with less than perfect credit situations. These include sub prime or high risk mortgage lenders. Even though applicants will pay more interest due to their low credit rating, they may have the opportunity to refinance the 2nd mortgage, and obtain a lower rate when credit improves.

Tips for Applying Online

Applying online for a 2nd mortgage is easy and convenient. Moreover, homeowners are encouraged to shop around for the best deal before accepting a lender’s offer. If using the internet to apply for the loan, comparing various offers is super easy. Simply submit a quote request with an online broker, and wait for the broker to match you with potential mortgage lenders. Here is a list of recommended Bad Credit 2nd Mortgage Lenders online. It’s important to use a reputable lender online to make sure your personal information is secure.

Most people tremble when they hear the word “sales”.

This explains why most businesses fail.

No matter what product or service or business you have, if you can’t market it, you’ll fail.

Salesmanship is not an easy skill to acquire.

To improve your salesmanship skill, there are a few qualities you must improve on.

Here are some secrets of super salesmanship to help you.

To excel in any selling situation, you must have confidence, and confidence comes, first and foremost, from knowledge.

You have to know and understand yourself and your goals. You have to recognize and accept your weaknesses as well as your special talents.

The key to understanding your customers is to first understand yourself.

If you don’t know yourself, you’ll not be able to know others and will not be able to sell anything to them.

It is a no brainer!

This requires a kind of personal honesty that not everyone is capable of exercising.

Therefore not everybody can be a super salesman or woman!

In addition to knowing yourself, you must continue learning about people.

People change all the time.

The more they change the more you must revise your knowledge about them.

Just as with yourself, you must be insightful, perspective and able to see not only the trees but also the forest.

In any sales effort, you must accept other people as they are, not as you would like for them to be.

One of the most common faults of sales people is impatience when the prospective customer is slow to understand or make a decision.

The successful salesperson handles these situations the same as he would if he were asking a girl for a date, or even applying for a new job.

Learning your product, making a clear presentation to qualified prospects, and closing more sales will take a lot less time once you know your own capabilities and failings, and understand and care about the prospects you are calling upon.

Our society is predicated upon selling, and all of us are selling something all the time.

We move up or stand still in direct relation to our sales efforts.

Everyone is included, whether we’re attempting to be a friend to a co-worker, a neighbor, or selling multi-million dollar real estate projects.

Accepting these facts will enable you to understand that there is no such thing as a born salesman.

Indeed, in selling, we all begin at the same starting line, and we all have the same finish line as the goal – a successful sale.

Most assuredly, anyone can sell anything to anybody. As a qualification to this statement, let us say that some things are easier to sell than others, and some people work harder at selling than others.

But regardless of what you’re selling, or even how you’re attempting to sell it, the odds are in your favor.

If you make your presentation to enough people, you’ll find a buyer.

The problem with most people seems to be in making contact – getting their sales presentation seen by, read by, or heard by enough people.

But this really shouldn’t be a problem, as we’ll explain later.

There is a problem of impatience, but this too can be harnessed to work in the salesperson’s favor.

We have established that we’re all salespeople in one way or another.

So whether we’re attempting to move up from forklift driver to warehouse manager, waitress to hostess, salesman to sales manager or from mail order dealer to president of the largest sales organization in the world, it’s vitally important that we continue learning.

Getting up out of bed in the morning; doing what has to be done in order to sell more units of your product; keeping records, updating your materials; planning the direction of further sales efforts; and all the while increasing your own knowledge – all this very definitely requires a great deal of personal motivation, discipline, and energy.

But then the rewards can be beyond your wildest dreams, for make no mistake about it, the selling profession is the highest paid occupation in the world!

Selling is challenging. It demands the utmost of your creativity and innovative thinking.

The more success you want, and the more dedicated you are to achieving your goals, the more you’ll sell.

Hundreds of people the world over become millionaires each month through selling.

Many of them were flat broke and unable to find a “regular” job when they began their selling careers. Yet they’ve done it, and you can do it too!

Remember, it’s the surest way to all the wealth you could ever want.

You get paid according to your own efforts, skill, and knowledge of people. If you’re ready to become rich, then think seriously about selling a product or service (prefer ably something exclusively yours) – something that you “pull out of your brain;” something that you write, manufacture or produce for the benefit of other people.

But failing this, the want ads are full of opportunities for ambitious sales people.

You can start there, study, learn from experience, and watch for the chance that will allow you to move ahead by leaps and bounds.

Here are some secrets of super salesmanship that will definitely improve your gross sales, and quite naturally, your gross income.

I like to call them the Super Salesmanship Secrets Of Success (3SOS).

Look them over; give some thought to each of them and adapt those that can improve your selling efforts.

1. If the product you’re selling is something your prospect can hold in his hands, get it into his hands as quickly as possible.

In other words, get the prospect “into the act.” Let him feel it, weigh it, admire it.

2. Don’t stand or sit alongside your prospect. Instead, face him while you’re pointing out the important advantages of your product.

This will enable you to watch his facial expressions and determine whether and when you should go for the close.

In handling sales literature, hold it by the top of the page, at the proper angle, so that your prospect can read it as you’re highlighting the important points.

Regarding your sales literature, don’t release your hold on it, because you want to control the specific parts you want the prospect to read.

In other words, you want the prospect to read or see only the parts of the sales material you’re telling him about at a given time.

3. With prospects who won’t talk with you: when you can get no feedback to your sales presentation, you must dramatize your presentation to get him
involved.

Stop and ask questions such as, “Now, don’t you agree that this product can help you or would be of benefit to you?”

After you’ve asked a question such as this, stop talking and wait for the prospect to answer.

It’s a proven fact that following such a question, the one who talks first will lose, so don’t say anything until after the prospect has given you some kind of answer. Wait him out!

4. Prospects who are themselves sales people and prospects who imagine they know a lot about selling sometimes present difficult selling obstacles, especially for the novice. But believe me, these prospects can be the easiest of all to sell.

Simply give your sales presentation, and instead of trying for a close, toss out a challenge such as, “I don’t know, Mr. Prospect – after watching your reactions to what I’ve been showing and telling you about my product, I’m very doubtful as to how this product can truthfully be of benefit to you.”

Then wait a few seconds, just looking at him and waiting for him to say something.

Then, start packing up your sales materials as if you are about to leave. In almost every instance, your “tough nut” will quickly ask you, Why?

These people are generally so filled with their own importance, that they just have to prove you wrong.

When they start on this tangent, they will sell themselves.

The more skeptical you are relative to their ability to make your product work to their benefit, the more they’ll demand that you sell it to them.

If you find that this prospect will not rise to your challenge, then go ahead with the packing of your sales materials and leave quickly.

Some people are so convinced of their own importance that it is a poor use of your valuable time to attempt to convince them.

5. Remember that in selling, time is money! Therefore, you must allocate only so much time to each prospect.

The prospect who asks you to call back next week, or wants to ramble on about similar products, prices or previous experiences, is costing you money.

Learn to quickly get your prospect interested in, and wanting your product, and then systematically present your sales pitch through to the close, when he signs on the dotted line, and reaches for his checkbook.

After the introductory call on your prospect, you should be selling products and collecting money.

Any call backs should be only for reorders, or to sell him related products from your line.

In other words, you can waste an introductory call on a prospect to qualify him, but you’re going to be wasting money if you continue calling on him to sell him the first unit of your product.

When faced with a reply such as, “Your product looks pretty good, but I’ll have to give it some thought,” you should quickly jump in and ask him what it is that he doesn’t understand, or what specifically about your product does he feel he needs to give more thought.

Let him explain, and that’s when you go back into your sales presentation and make everything crystal clear for him.

If he still balks, then you can either tell him that you think he’s procrastinating, or that overall, you don’t think the product will really benefit him, or it’s purchase be to his advantage.

You must spend as much time as possible calling on new prospects.

Therefore, your first call should be a selling call with follow-up calls by mail or telephone (once every month or so in person) to sign him for reorders and other items from your product line.

6. Review your sales presentation, your sales materials, and your prospecting efforts.

Make sure you have a “door-opener” that arouses interest and “forces” a purchase the first time around.

This can be a $2 interest stimulator so that you can show him your full line, or a special marked-down price on an item that everybody wants; but the important thing is to get the prospect on your “buying customer” list, and then follow up via mail or telephone with related, but more profitable products you have to offer.

If you accept our statement that there are no born salesmen, you can readily absorb these “commandments.”

Study them, as well as all the material in this report. When you realize your first successes, you will truly know that “salesman are made – not born.”

May these sales secrets of super salesmanship help you to improve and sell more of your products and services.

Warmly,

I-key Benney, CEO

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It’s one of our biggest investments and some of us are doing it more than once during our life. Like many things in our life that have changed dramatically, so did our habitation practices. Most of us don’t stay in one house for the full duration of our lives as it used to be for many people in previous generations.

Our modern dynamic life style and economy, calls for flexibility, mobility and frequent changes, People are following their jobs and careers even if it means moving from one side of the nation to the other.

This tendency is in line with our culture of consuming society. We replace everything faster, we treat cloths, cars (some just lease), refrigerators and our dwellings like fashion items with short longevity.

When we decide to buy a house we need to think in terms of sort to medium range periods of time and that should bring us to consider the resale value of our home in the future.

Buying a home with good resale value might take a little longer, and it might take a bit more work on your part, but you’ll love the payback later, when it sells quickly and puts extra money in your bank account.

The first consideration should be your family needs but it’s cleaver to keep an open mind about what might suite future buyers as well.

The most important three factors are: location, location and location… Indeed, it’s first thing to consider when looking for a home. So, what makes a good location?

There are some general elements which are obvious like:

- Does the neighborhood have easy and fast access to the schools, shopping centers and country club.

- It’s wise to pick a house that is located relatively elevated above the area, that can provide two advantages: a flow of good air and a nicer view.

- How many neighbors are adjacent to you and/or across you in proximity, off course the less the better.

- A house located at the end of the street will suffer less noises from the neighbors and their guests. If the street is a dead end it’s even better. A corner house may have more light and air.

- The positioning of the house towards the north if it’s a warm area as opposed to the south in cold areas. In general, a rule of thumb and this one is general and found right to many locations around the world, as strange as it may sound, the northern neighborhoods are usually more desirable than the southern ones exactly as the western ones are more prestigious than the eastern ones.

- The size of the lot, its shape and the square footage of the house itself. If the majority of buyers in your area are young families with children, consider a house with a large yard that’s not fronted by a busy street.

- There are many other environmental aspects to consider with respect to personal preference like a green agricultural area vs. urban area, quality of schools and other social services and facilities. In addition to these external considerations there are many important internal elements that can make a house quality higher and buyers are always looking for, such as:

- Closets, lots of closets and with as much additional storage space as possible.

- Light and bright – Homes with lots of natural lighting are very popular.

- Split bedroom plans, with bedrooms on each end of the home, are increasingly popular with buyers.

- If you live in a scenic area, having a view can help you sell.

- Plenty of bedrooms, baths and Rest rooms.

- Large and convenient kitchen with as many cabinets and cooking space as possible.

- The tendency to work from home calls for a suitable room to be set as a home office.

- Laundry and dryer machines located at the same level as the bad rooms.

- A spacious basement is a plus.

- One-bath homes sell for significantly less than homes with at least two baths and they take longer to sell. – Electric baseboard heat and electric ceiling heat are not as desirable as central heating systems. A fireplace in the living room is a plus.

- Tubs and showers in outdated colors, or scratched from years of improper cleaning, might be hard to change without ripping out doors or walls. – Popcorn ceilings date a house, you know, those bumpy ceilings that were so popular in the 1970’s.

Your first objective is to buy a home that’s right for you, but do consider its resale value before you make the final decision, especially if you know you’ll move again within three to five years. A careful purchase now will help give you extra funds to move up with the next time you buy a home.

Home Inspections

Depending on the type of financing you choose, there should be either 2 or 3 separate inspections on the home you want to purchase. The first should be your own basic inspection (see the bottom of this page for what to look for), the second should be a professional whole-house inspection by a reputable person. Should you select a government loan (FHA or VA), the third inspection should come at the time of the appraisal, which to some degree amounts to a “mini-inspection.” Do not, however, rely on this appraisal as your only inspection of the property!

We cannot emphasize enough the value and necessity of an extensive home inspection. Many home purchasers, either in the desire to save the $250 to $500 that a good inspection costs, or due to simple ignorance, have spent enormous sums of money repairing items that any good home inspector would have pointed out. Any offer to purchase you make should be contingent upon (subject to) a whole house inspection with a satisfactory report. Do not let anyone–not the agent, not your family or friends, and especially not the seller–dissuade you from having the property thoroughly inspected! Not only will you sleep much sounder after you have moved into the house, a professional inspection can give you an escape hatch from a contract on a defective house. If the contract is written contingent on an acceptable inspection, any defects in the home must be either repaired or monetarily compensated for. If you are not satisfied, you have the option to cancel the contract.

To the others out there who couldn’t be here This one is for you. Out in the open where the white flies and skies are written with clouds This is a present for you. Your and mine name will be free and remembered from the ruble that we put ourselves into. Farmland, livestock and apples with seedless grapes The chica that spills wine off her shoes. Off to the moon and back Cows are flying with me Around heaven we stop for cheese And the cool cat who plays the fettle I’m off to shovel the gold where dreams are just an sketch in my head my imagination is where I sweep you off your feet My only cost is ten celli’s and 6 peaces Where my hat still has the tag And bomb I ride is free Thank God for fat bottom girls whom make my rocket go round. I’m in love with angels,love one who come out and play But the shadows devil is still attach to my sinkers who lingers around and drags my ear But just reminding myself that everyone is needed of love, for the war is in all of us Sitting back with those who remise about past times and hero’s, brave class. Its all, and all of us, its all, and all of us Who wish to take a stand. don’t you see zombies This share of thoughts you share with me, on the shores at midnight crossing hands with me This one is for you Out of kisses and nothing to be said, I drop your skirt along a heart beat just behind the ear This is a present for you. You are in my frame of mind and breath taken from my upper lip that you stole for the first time. with spearmint chocolate kiss, offer me your beas waxs Cars of full of games When you decide to stay in-between the lines Our hour watch is set And the tower is a journey Mistaken of not what I’ve said, navigation’s I’m taken by the northern lights Where her stare is like knocking coke bottles Taken also by the look into her eyes That she save the last promise that; I’ll be with her

http://www.originalpoetry.com/cheese-and-cows

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The following article is offered for free use in your ezine,
print publication or on your web site, so long as the author resource box at the end is included, with hyperlinks. Notification of publication would be appreciated.

For other articles which you are free to use, see http://www.innerbonding.com

Title: Who Are The Underminers?
Author: Margaret Paul, Ph.D.
E-mail: mailto:margaret@innerbonding.com
Copyright: © 2004 by Margaret Paul
URL: http://www.innerbonding.com
Word Count: 764
Category: Self Improvement

Who Are The Underminers?
By Margaret Paul, Ph.D.

How many of you had the experience growing up of being told in various ways to limit yourselves from being all you can be? The movie “The Incredibles” is a wonderful metaphor for this. In this movie, the superheroes – the people with extraordinary powers – are restricted from using their powers.

When I was growing up, I was not supported in being all I could be. “Boys don’t like smart girls,” “People will be jealous of you.” I learned to hide good grades and talents, for fear others would be threatened. If I wanted to “fit in,” I needed to be like everyone else. Being extraordinary was considered “weird.”

In the movie, the superheroes are finally allowed to use their powers because they are needed to save the planet. This, too, is a metaphor. We are each extraordinary in our own ways, and this planet needs each of us to fully express our gifts and talents. We need extraordinary people to step up to the plate to guide us away from fear, greed and manipulation and into caring, compassion, and personal responsibility. Fortunately, many more young people today are encouraged to be all they can be.

At the end of the movie, a horrible monster arises from the earth, saying something like, “We are the underminers. We undermine happiness, peace and joy. We are always beneath you.”

Who are the underminers?

Underminers are both within and without.

Outer underminers are those people who do not have your highest good at heart. They are the people who want to use you, blame you, manipulate and control you, and try to limit you. They are the people who are threatened by you being all you can be. They are the people who want you to care-take them rather than take responsibility for yourself. These people can be family, friends, or co-workers – anyone in your life who does not support you in being all you can be. It is sad and lonely when the people who say they care about you, instead do all they can to control and limit you.

However, as adults it is the inner underminers who cause the most damage. The inner underminers are the wounded parts of ourselves that hold our limiting beliefs – the lies we learned about ourselves, others, and God. These underminers shout lies to us that cause our fears and anxieties and keep us from fully manifesting all that we are.

Paul is a very competent man, yet every time he gets a new idea of something he wants to do with his work and his life, his underminer says, “You can’t do it. You will fail.” His underminer keeps him immobilized and “safe.”

Julia is a talented writer, yet has never submitted her writing for publication. Whenever she starts to move toward submitting her writing, her underminer shouts, “No one will listen to you. No one wants to read what you write.”

For a long time, Joanna has wanted to leave her job and go back to school for further training. Yet whenever she contemplates this, her underminer sneaks in with the lie that stops her every time: “If you leave your job, you will never find another one. God will not support you in doing what you want to do.”

Robert is unhappy in his relationship. His girlfriend, Marian, just wants to be taken care of. She is often very angry at Robert when he wants to spend time with friends or even time alone, and does not support him in what brings him joy. She is an underminer, yet it is his inner underminer that keeps him from leaving. “You will end up alone and be more miserable than you are now.”

Suzanne was the “smart one” in her family, while her sister was the “pretty one.” Her parents undermined her by telling her over and over that she needed to learn to take care of herself because no man would want her. Now, a successful and attractive woman, Suzanne’s underminer constantly tells her, “You will always be alone. You are not meant to have a relationship.” Because of her underminer, Suzanne approaches relationships with a chip on her shoulder, creating the rejection she is hoping to avoid.

“You can’t.” “You will fail.” “You are inadequate.” “Who do you think you are?” “You will end up alone.” “You are ugly.” “You are alone – God does not exist.” “Spirit will not support you because you are not good enough.”

The underminer – undermining your happiness, peace and joy. Why not be a superhero and stop listening to the underminer?

ABOUT THE AUTHOR

Margaret Paul, Ph.D. is the best-selling author and co-author of eight books, including “Do I Have To Give Up Me To Be Loved By You?” She is the co-creator of the powerful Inner Bonding healing process. Learn Inner Bonding now! Visit her web site for a FREE Inner Bonding course: http://www.innerbonding.com or mailto:margaret@innerbonding.com. Phone sessions available.

Most people talk about mortgages as if they know all about them, but to many folks the whole subject is one of bafflement and mystery. If you know little or nothing about mortgages, this article might help.

A mortgage is a large loan for buying property. Unlike other loans, mortgage money cannot be spent on anything, but property. You can have a mortgage to buy your first home, a second or holiday home, or even a property to let out, so long as you can afford to make the repayments.

There are many different types of mortgages but they all slip into one of two teams. Either a repayment mortgage or an interest only mortgage. With a repayment mortgage, your monthly payments not only cover the interest, but also gradually pay off the loan itself. With an interest only mortgage, as the name suggests, you are only paying the interest back. Therefore, you will need to set aside further monies, either a savings policy, or an insurance policy, to build up a lump sum, to pay off the mortgage at the end of the term. That is your responsibility.

There are hundreds of different mortgages out there, all with different terms and clauses, and if you do your homework and investigate the main ones, it will pay you to do so. All lenders can set their own interest rates, and you will be amazed at how they can vary. Never settle for the first offer that comes along, until you have examined at least one alternative, several more if you can find the time. If you don’t, you might end up paying a larger interest rate than you need to, and over 25 or even 30 years, that could mean paying tens of thousands more in interest than you need.

Mortgages are usually set over 25 years, though increasingly they can be for shorter periods. Mortgages used to the province of the young, but no longer. I recently came across an eighty-year-old man who took out a 25-year mortgage. There is nothing like being optimistic!

Most lenders will lend you three times your annual pay, so if you earn 50,000 a year, you can expect to borrow 150,000 at the least. You don’t have to take up the full amount if you have a sizeable deposit. I have seen some lenders stepping that figure up to four times annual pay in recent months, to help the lower paid deal with increasing house prices. If you have a partner, you can expect to borrow between two and a half to three times your combined pay.

You will find it much easier to be granted a mortgage if you have a clean credit record. You will not necessarily be barred from obtaining a mortgage if you have bad credit points, but you will certainly cut down the number of lenders open to you. You will also end up paying a higher rate of interest, and thus a higher monthly payment, so if you are ever tempted to run up bad debts, or default on loans, perhaps in your younger or student days, then don’t. That bad smell will follow you round for years, and you will definitely pay for it through the nose in the longer term.

Start out as you mean to go along. Always honour your debts, and pay your commitments promptly and fully. If you do that, you will never have a problem obtaining a mortgage to buy the dream house you and your partner have fallen in love with.

One popular modern mortgage is the flexible mortgage. This means you can overpay, underpay, or even take payment holidays from your mortgage repayments if you choose. The main point of taking out a flexible mortgage is that you can regularly overpay your mortgage, and in so doing pay it off much quicker, saving you thousands in interest payments. But this type of mortgage also gives you the flexibility to reduce your monthly outgoings should the need arise, perhaps through starting or expanding the family, or when you are switching jobs, or even between jobs. With a flexible mortgage, you can do that, without fear of repossession.

And what is repossession? It is exactly what it says. If you fail to make the payments on your mortgage, or any other loans secured on the property, then you run the risk of the lender repossessing the property. In effect, they will seize your house, and invite you to walk away. They will need a court order to do so, but they will get an order if you renege on paying. Not a pleasant prospect, everyone would agree, but that is the ultimate and obvious result if you take out a mortgage, and then neglect making the payments. In short, never miss a mortgage payment if you can possibly avoid it, and even then, before you do, contact the lender and explain your situation. They will not be happy bunnies, but they will be a lot happier that you spoke to them, rather than ignored the problem in the hope that it might disappear. It never does.

To find the best mortgage to suit you and your pocket, consult a qualified mortgage advisor, but never be railroaded into paying fees, large or otherwise, until you know what you are getting for your money. You would not be the first person to pay a large fee on the promise of a hefty forthcoming mortgage, only to discover it never arrives, and your fee is non-refundable.

Mortgages can be shark-infested waters. Deal with reputable companies, and qualified advisors, and you should not go far wrong. Don’t be shy to ask people about their qualifications. Qualified people are never backward in showing you their certificates and degrees. Buying a house is the largest purchase you will ever make. Doing your homework on every point will pay you big dividends.

Here follows the statutory legal warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

It stands to reason. Mortgage lenders are not charities. Hope this helps in some small way. Best of luck.

David Carter’s latest published work is SPLAM! Successful Property Letting And Management. Splam! contains over 240 pages of hints and tips on how to start your own property business on a limited budget, and how to successfully let residential property. You can view actual extracts of the book at http://www.splam.co.uk and order a download or a hard copy at this site, or you can go direct to the publishers at http://www.lulu.com/dc He also runs a holiday cottage website where you can access over 7,000 holiday cottages, apartments and villas worldwide at http://www.pebblebeachmedia.co.uk Don’t you deserve a holiday this year? Well of course you do! You can contact David on any matter, any time, at supalife@aol.com

I am writing this at the Philadelphia Airport on my way back from meeting with one of my clients. Three weeks ago, we offered a training program for their staff in basic selling skills. She reported that they saw an immediate increase in sales after the program. Since these are all telemarketers, she listened in on their calls to see what had changed. To her pleasure they were asking good, open-ended questions. They were taking time to listen to the client’s responses and using their comments to match them with the right product. They were even closing right at the correct time. She was thrilled.

Unfortunately, not all of the reps kept it up. Within weeks, some of the rep’s sales had slipped back to their original level. Another listening survey showed the cause. Each of the reps whose sales were down had slipped back into their old way of operating. It was as if a giant rubber band had been stretched during training, and now it was returning to its original size. Should we be surprised? I’m not. For years these reps had been trained to operate in a lecture mode. They read scripts and gave the same pitch to every caller. Now we were asking them to change, and change takes time.

So what do you do? Forget training? No, but you may want to think about the steps that must follow a training program to make it stick. These can include email reminders, peer coaching, and manager mentoring. In this case, we are adding audio ‘mini-seminars’ to the mix. Each rep will be encouraged to call into a voice mailbox for a short refresher on the subject they need help on. Each 10 minute message will give them tips and examples designed to overcome their area of weakness.

Whether you are offering training for your team or simply taking a training program yourself, recognize that old habits die hard. Build a reinforcement regiment to turn that training into practice and the practice into habit over 30, 60 or 90 days. Just like planting a garden, putting the seeds in the ground is only the first step to a bountiful harvest.

For a free copy of “How to Get Dramatic Results From Training”, please email article12@waterhousegroup.com and ask for article #12.

Stephen Waterhouse is Principal and Founder of Waterhouse Group. They specialize in helping companies increase their sales and profits. He can be reached at 1-800-57-LEARN or steve@waterhousegroup.com.

Re-Print Permission This article may be reprinted in it’s entirety if the following conditions are met:

The complete tag with the author’s name and contact information is included immediately after the article. A copy of the printed article is mailed to the author at 1467 Walnut Creek Drive, Orange Park, FL 32003 within 30 days of publication. The article is presented in a positive light as part of an appropriate business related publication.

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