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Power Your Home with The Bloom Box

Last night 60 Minutes had a very interesting news segment about potentially powering your home with The Bloom Box (from Bloom Energy), eliminating the need to purchase electricity from your local power company.   The Bloom Box creates electricity by feeding oxygen into one side of a fuel cell while fuel is fed into the […]

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Advice from Father to Son

June 28, 2014 | Quick Tips | No Comments

father-sonAugust 27, 1997

Dear Son:

Now that you are about to begin a new stage in life, please always remember that if you really want to achieve a goal, you must be fully COMMITTED to it. This is what life is all about. It means HARD WORK: THERE IS NO EASY WAY. However, to accomplish this, there must be some behavioral changes on your part, which means:

  1. Have confidence in yourself: Be a leader not a follower.
  2. Be proud of yourself that you are in College: It’s an exciting and rewarding challenge.
  3. Put your priorities in order: Your schooling comes first.
  4. Be resourceful: You must have guts in life.
  5. Be persistent: Do not give up until you get the answer to your question. Get it by any and all legitimate means possible. It’s all up to you.
  6. Be proactive: Get a head-start on thing: Don’t lag behind. This will make it far less difficult.
  7. Make plans for whatever you are doing: Plan your day, week, month, year, and life. Short, Intermediate, and Long term plans, each are an integral part of the other. With a plan, things run smoothly and you do not have to waste time thinking what’s best to do next.
  8. Do not waste time: Time like money is very precious. Handle it wisely.
  9. Be organized: Keep everything in a logical order so that they can be easily retrieved. That means books, documents, clothing, etc. Be tidy overall. If your environment is clean and organized, it will put you in a better mood and things will flow smoothly.
  10. Study hard: Don’t be fooled by those students who appeared not be studying. They probably have a better High School foundation, or studying at nights, or early in the mornings without you knowing.
  11. Be a good listener: Pay attention to small details, and remember relationships are the key to understanding any subject matter.
  12. Don’t be afraid to ask questions: This will save you lots of headaches later on.
  13. Be observant: It’s your responsibility to know what’s going on. Read everything. If you received a handout, read it right away. Don’t put it away and forget about it.
  14. Begin to live the profession you are pursuing. Get involved in extra-curricular related activities
  15. Choose your friends wisely: Drop those who are not uplifting
  16. Keep good health: Eat right, get enough sleep, and exercise. A healthy body and a sound mind go hand in hand.
  17. Keep your eyes on your goal: Never lose sight of it.
  18. 18) Ask God for guidance: Say your prayers before you go to bed, before each meal, and when you are awake in the mornings.

If you can adopt these principles, success is guaranteed, and college will be an enjoyable and rewarding experience.

Good luck and God bless you.

Dad

Securing Your Home with Reliable Financing

May 30, 2014 | Mortgage Loans | No Comments

Homeowners often have no intention of going into debt that they cannot handle. However, when they need money to pay off their first mortgage or simply need some cash to get caught up on bills, they may wonder where their best source of financing can be found. Their dilemma may further be confounded if they have bad credit or are working to rebuild their credit scores. When they look for finance companies that specialize mortgages for bad credit loan applicants, however, homeowners can find this source of financing online.

When they visit the website, they can consider the second mortgages that suit their financial needs. For example, if they have an idea of how much money they need to borrow, they can use the website’s calculator and figure out how much they will be paying each month to their lender. They can also use this website to find out the current rates being charged for mortgages. These tools allow people to prepare for this line of financing better.

Because taking out a mortgage can be a hefty decision, people might want questions answered first. They can use the online form to contact the company directly. They can also get a free quote and same day approval by using the online forms for this purpose. When they take out 2nd mortgages with bad credit, people can enjoy homeownership and have the money they need to pay bills, pay for their kids’ educations, and meet other financial obligations in their lives.

Building Your Home Business

May 30, 2014 | Quick Tips | No Comments

Are you tired of working long hours and not getting paid for the work that you do? If you are thinking about giving up on your dream because you don’t have the customer base to justify continuing your home business, you shouldn’t give up so quickly. Instead, it may be time to think of other ways to build up your business.

One of the best ways to get customers is to team up with other people to help you find leads. Thousands of companies have leads that they might not be able to use because they aren’t a good fit for what that lead is looking for. However, those leads may be more attractive to your business and could lead to sales that otherwise wouldn’t have been made.

In exchange for leads for your company, you will give other companies leads that they can use to help their own businesses grow. For those who might be interested in such an arrangement, there are Facebook groups and other websites dedicated to matching people who want to work with each other.

The only catch here to such an arrangement is that you have to be willing to rake in a lot of customers and a lot of money each year. If you are willing to do that, you have what it takes to become a successful home business owner.

Quick Tips for Buying a House

April 18, 2014 | Quick Tips | No Comments

Searching for your first or next home can be exciting. However, there’s a paperwork side of home buying that can be confusing to anyone who is not familiar with the home loan process. You can avoid the possibility of disappointment by going through the loan pre-qualification process. This will give you a clear indication of what your home buying financial limitation is. You can then concentrate your home search within a realm that is compatible with your budget.

There are numerous types of loans available, each with different qualifying restrictions and various benefits. When it is time to apply for a house loan, it is best to seek out advice and assistance from a company such as Embrace Home Loan where the professionals that will be assisting you are familiar with the variety of loan options that are available. Just the loan application itself can seem overwhelming to a first time home buyer. If you have purchased numerous homes over the course of several years, you might still find the paperwork daunting. The home mortgage process is ever-changing. For that reason alone, it’s essential that you have expert assistance in securing the best loan for your situation.

Part of the home buying process involves an appraisal and a title search. These are areas where you will need assistance from someone who is familiar with those procedures. Having a home loan professional available to answer your questions can also prevent unpleasant surprises from popping up at your loan closing.

Hulk Hogan By the Numbers

April 15, 2014 | Loans | No Comments

HULK HOGAN INFOGRAPHIC
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Choosing An Accountant for Your Business

March 23, 2014 | Education | No Comments

Whether you’re a fledgling start-up or an established company, nothing is more important than your books. It’s for this reason that so many small business owners seek professional accountants to help them manage their budgets and navigate their finances. But how do you know which “number people” you can trust? Here are three tips for finding a reputable expert.

1: Know Their Specialty

Most accountants have some kind of specialty in the world of finance, like tax preparation or small business expansion. If you have a particular need that’s driving you to seek out an accountant, look for a pro in that area.

2: Ask For Referrals

You can’t rely on just anyone when the future of your business is at stake. Pump your friends and fellow business owners for information on their bookkeepers. You might also contact the local charter of the National Society of Accountants (NSA) and request phone numbers.

3: Dig Through Their History

Once you have a pool of likely candidates, check their backgrounds and references for things like complaints, scam reports and criminal records. If you can’t find this information by yourself, ask them for it directly. Those with nothing to hide should have no problem handing over the paperwork.

These are just three ways to vet potential accountants. Remember, they’re going to have an all-access pass to sensitive information about you and your finances, so a high level of scrutiny is encouraged. Don’t allow them to shape your future if you think they’ll mishandle it. Find an account in the UK at http://www.wisteria.co.uk/

Do’s and Dont’s of Payday Loans

February 26, 2014 | Loans | No Comments

If you’re in the market for a California payday loan, you’ve probably realized already that you have a number of options. However, just because they’re broadly available doesn’t mean they’re always easy to use. There are some distinct strategies you should be using if you want to make use of payday loans, both for optimal returns and your own financial security. The following are some simple tips to keep in mind if you want to move forward with a payday loan.

First of all, you absolutely need to get clear on the interest rates and conditions that apply to the loan. You may be approaching the loan with the idea that you’ll pay it back within the week, but it’s still important to know what the conditions of the loan are. If something blindsides you and keeps you from paying your loan back, you need to know what you’re getting into. In that circumstance, you’ll have enough on your plate to worry about already.

Following that, you’ll want to look into the terms and conditions that surround getting an extension. This isn’t always going to be available. Some states require that there be an extension process. Some companies allow it on their own terms. Either way, you need to understand what it takes to qualify. Not qualifying for their extension process doesn’t rule out the use of a loan, but you should still know whether or not you could apply for one if you needed to. Conditions allowing for an extension usually relate to your employment or ability to provide collateral, rather than your credit rating.

It’s very important that you don’t plan to pay off a loan with another loan. This isn’t a sustainable process, even if it seems to be. Sooner or later, the interest will catch up to you. It’s best to have a backup plan if something might prevent you from paying off a payday loan, as this can prevent your finances from suffering even further as you try to keep up with your debts with more debts.

There are proper ways to manage a payday loan to make them work for you, but they require you to keep yourself informed and on top of the situation. Always do your homework and your due diligence when you choose a payday lender, and be sure you have a backup plan in case things go sour. Don’t leave anything to chance.