The Jeffrey And Tracey Info Emporium

A fixed-rate mortgage is a mortgage on which the interest rate is set for the term of the loan. Your interest rate stays the same for the term of the mortgage or for a specified period of time. Most people use a fixed-rate mortgage. In fact, about 75 percent of all home mortgages have fixed rates. The main advantage of a fixed-rate mortgage is that you always know exactly how much your mortgage payment will be, and you can plan for it.

A Fixed Rate mortgage will offer you the security of knowing that your mortgage interest rate will not change during the term of your fixed rate. For example, a lender can offer a 30-year fixed loan to a homebuyer at a 6.5% interest rate. The loan is locked in to the 6.5% interest rate, even if the market interest rate rises to 8.0%. Conversely, if the market interest rate decreases to 4.5%, you will continue to pay the 6.5% interest rate. A Fixed-Rate Mortgage applies the same interest rate toward monthly loan payments for the life of the loan.

Features:

- Straightforward and easier to understand than Adjustable Rate Mortgages (ARMs).

- More secure for the buyer and very popular with first-time home buyers.

- Ideal for anyone who likes to budget monthly expenses and plans to keep their home for several years.

- Since the risk to the lender is higher, fixed-rate mortgages generally have higher interest rates than Adjustable Rate Mortgages (ARMs).

- Tend to have higher initial monthly payments compared to those of adjustable rate mortgages.

- Fixed-rate mortgages are less flexibility than adjustable rate mortgages.

With adjustable rate mortgages the interest rate is not fixed, but changes during the life of the loan in line with movements in an index rate. The advantage of an Adjustable Rate Mortgage is that you may be able to afford a more expensive home because your initial interest rate will be lower. In a fixed-rate mortgage, your interest rate stays the same for the term of the mortgage.

Copyright © 2005. Chileshe Mwape writes for
The Secured Personal Loans
Website at: http://www.secured-personal-loan.org.uk/ and he’s also a regular contributor
to the Fixed-rate Mortgages blog at http://www.fixed-rate-mortgages.blogspot.com/

This article may be reprinted online as long as all the above links are active and clickable.

A perfect personalized gift for yourself or someone special that can be treasured. Makes a great alternative to Mother’s Rings.

My order from Jen-Els Boutique was completed quickly, and the Mother’s Bracelet arrived in just a short week. I immediately fell in love with the beautiful bracelet, more so because it had both my children’s names on it.

The bracelet itself wraps around my wrist twice, showing the names of both my children (one on top of the other). On either side of each name is a bead in the color of their birth stone. Emerald green for my son, and pink for my daughter. (May & October) When worn, both names can be seen at the top of my wrist with the dangling gem stones at the bottom.

No clasps are needed because it wraps around my wrist twice (and actually ends overlap again) . No fumbling around trying to get it on or worrying about losing the bracelet. I prefer this type of bracelet to those with claps, since they are easier to get on and off, yet will not fall off or come loose.

While my style of bracelet was the “Memory Wire”, there are several other styles available that do include clasps. Jen-Els Boutique also offers other types of handmade jewelry, including Bridal Jewelry and Children’s Jewelry. For details visit: http://www.janelsboutique.com

One day I woke up got dressed and headed off for work again. I sat in my office and looked at the piles of paperwork that had mounted on my desk. The phone was ringing off the hook when I walked in the door, my boss wanted a sales report, and my assistant had called out “sick” for the second time in a week. All of a sudden I realized that I needed to stop working for someone else and start working for myself.

I checked the paper, talked to friends, and networked with business associates. I found a “great” job as a business manager for six radio stations. I figured that I had found a wonderful opportunity. I only had to answer to the general manager, I got a bigger office, a bigger paycheck, free tickets to concerts and paid vacation. What more could I want?

Things started out really good. Then one day a plane hit our tower and took off the top 150 feet. The accident took our stations off the air and cost the company over 10 million dollars. I was told that if I assisted in settling the claim that I would receive a bonus. After two years of work the claim was finally settled. The CFO received a bonus for all of his “hard work” and I received a phone call thanking me for all my hard work. It was at that point that I realized that I needed to quit working for someone else and start working for myself.

I spent the next few years working for other companies, making money for them, while I found a way that I could work for myself. Like so many others, I didn’t have a lot of money to invest to start my own business. Then one day I came across a way to make money from home using the Internet. I could work around my “regular” job, at a time that was convenient for me.

I was skeptical at first. Working from home on the Internet sounded too good to be true. How could I make money from my computer using the Internet? I had no idea where to start. After all I was not extremely computer literate. I didn’t know how to design a web site. After working as a business manager I knew that there was no way I would get rich quick, and that I would have to work at my new business to make it grow.

I made up my mind that I would take the steps necessary to begin my new online business. I spent hours researching everything. I took good notes and before long my online business was making money. My husband and I were able to start spending more time at home with our family and less and less time making money for others.

I decided that I would teach others what I have learned, that they too could quit making money for others. The Internet is the greatest marketing tool in the world. It is full of potential customers, people who are actively looking for what I have to offer. I don’t have to seek them out, they are searching for my using one of the many search engines out there.

Take the first step and quit making money for others and take charge of your life and your financial freedom. It is possible to build a business online from your own home. You just have to make the commitment and start building your business one step at a time.

Stacy Smith

912-283-2461

Expect to Win

mailto:stacy@makedollarsathomeonline.com

www.makedollarsathomeonline.com

Stacy Smith

Expect to Win

For Information on making money for yourself online
mailto:stacy@makedollarsathomeonline.com

http://www.makedollarsathomeonline.com

If you own a mobile truck washing, pressure washing or mobile car wash business you may wish to consider washing postal vehicles. They have one of the largest fleets in the world and they are relatively easy to wash. Yes, like all quasi-government agencies they pay slowly, but you know you will get paid as long as you show up to wash.

Pressure washing companies should consider a wide market mix to protect them from sector rotations or downturns in their economy. You can wash things like things like wheel chairs at hospitals, shopping carts at Price Club and bus stop enclosures. The postal washing contracts generally last two-years and can automatically renue up to five times if the VOMA Vehicle Operations Manager Assistant likes you and gives you high scores for service. My company, The Truck Wash Guys was washing jeeps when the new LLV’s Long-life vehicles really were jeeps even though many are now Ford Winstars. This can be a very good niche for your cleaning service.

After working with USPS, we’ve discovered other niches at the Post Office such as steam cleaning mail trays, racks, even postal boxes and transfer boxes on corners. We’ve cleaned off holiday window paint. We’ve steam cleaned loading docks, trash areas, walkways and sidewalks; We’ve cleaned entire annex stations, air cargo containers, aircraft, ground equipment, you name it. If the USPS owns it, we’ve cleaned it somewhere. Any pressure washing company would be happy to have all that work and you really should look into becoming a certified USPS vendor.

Over the years EPA laws have changed, insurance requirements have changed, labor laws have changed, even the USPS needs have changed. So we too have changed. Customizing our services to their needs is our true specialty and I recommend that all pressure washing companies do the same. What do you need cleaned? Should be your mantra. You must be standing ready with waste water discharge permits, worker’s compensation insurance, city licenses and a million dollar liability policy and state of the art equipment to sell to the post office, but once you get the account these same requirements make for barriers to entry for your competitors and you stand to have these accounts for up to 10-years. You can prove your commitment to USPS, by offering to wash all the postal boxes on every corner in your zip code for $1.00 each and then offer to wax them for free as an introduction to your services. The local Post Master will generally take you up on the idea and then you can prove how good you are and get your foot in the door. It’s all about image in the delivery business and the USPS is no exception. Think about it and Wash On!

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

Want to know why Strata Title Hotel Investments can be a “Hell Hole” for the unwary?

Hello, Colm here …

What do I mean by that?

Flexibility should be your investment by-word. One of those important ‘bench marks’ that you should achieve.

Strata Title Hotels are built because:

* Major Institutions don’t want to own Big Hotels.

* Not to allow you to enjoy being part of the growth in the hospitality industry.

So What Are The Facts:

Why are Hotels built and sold by Strata Title?

Why do Developer Build Strata Title Hotels?

Developers will say, “strata title allows the average investor have a part of the inner city tourism/business market.”

What’s the real reason for Building Strata Title Hotels?

Major Institutional investors in Australia do not want to own hotels any more. They got into them in the 70’s, 80’s and generally, did not enjoy the experience.

Why?

The ROI was not ‘there.’

Institutions are essentially passive investors and like Flexibility in their investments. Financial institutions do not run Hotels. So they must engage Managers, like Sheraton, Hilton etc to manage the hotel for them.

Institutions want to engage the Manager on a Lease Aggreement; however Managers prefer a Management Agreement Arrangement.

Management Agreements are the NORM for the industry, and the Managers are expert at maximizing their performance bonus and the amount left over (the investment return) for the institution has generally not been good enough for institutions to continue to want to expand their hotel investment portfolios, even in CBD locations.

So if that is the attitude of the ‘Big Boys’ and a developer believes there is a market now for a new hotel, their only other option is to go the strata title route and go for the ‘Little Guys.’

Can I put it another way, with no insult intended.

The investment performance of hotels is not good enough for the Professional Institutional Investors who have ‘money power’ and ‘high skill’ behind them; so let’s go for the non-professional investors through strata title.

Remember the Big Boys employ the Big Managers. The Big Managers don’t get involved in Strata Title Hotels. That’s left to the lower ranked managers & the lower ranked developers.

I don’t think that is good enough, do you?

1. If the complex is run as a HOTEL, you can’t live in permanently, ’cause it’s too small.

2. If its internal space IS UNDER 50sqm a buyer will not get bank finance.

3. And finally if it has a RENT GUARANTEE you’ve now got three good reasons to do a ‘180 degree’ turn and RUN.(See separate report)

If investors decides they still want to buy a strata title hotel unit, the most important document to read is the Management Agreement and if there are any Guarantees; who is underwriting the Guarantee; HOW STRONG ARE THEY?

Strata title hotels have a poor history unfortunately, because of the reputation and lack of experience of the developers who put the deals together AND PROMOTE THEM.

Only a few months ago I helped a family who had been in one of these strata title hotel investment for five (5) years. They sold for less than they paid. Enough said.

Let’s get away from hotels:

Let’s suppose your financial world has fallen apart, and you have to cut things down to the bone.

If your investment unit/house has been designed for the investment market, it is generally smaller than what society regards as a normal size.

You and I know what a NORMAL house and unit looks like and feels like; don’t we?

When you see Rent Guaranteed Investment Real Estate, have you noticed that they just don’t look like we expect normal houses and units to look.

Usually they are much smaller and are built in a complex.

So the first rule is never buy any property that is under 50 square metres internal area. Do not include balconies in this calculation.

IF THE AREA IS UNDER 50 SQM INTERNAL AREA, BANKS WON’T ACCEPT THE UNIT AS SECURITY.

Oh, you say, ‘but my friend was able to buy one and the bank lent them the money.’ Yes, you are correct BUT it is usually a finance deal done by the developer with the bank and the bank will usually have security over other assets.

When you come to sell, a bank won’t lend BUYERS money for a property under 50 sqm internal area, and that leaves you looking for a ‘CASH BUYER ONLY.’ Your Flexibility is wounded, but you can’t see the blood yet.

The unit/house is physically not considered standard, as compared to what is normally on the market. They can vary from small houses/townhouses in outlying areas or inner city units in complexes being run as a hotel/motel.

The Real Estate Development Coach

Author of “Residential Development Made Easy”

Colm Dillon author of “Residential Development Made Easy“ the only ‘How To’ Become a Developer eBook, selling in 38 Countries, has developed $1.2 Billion worth of real estate - read more on his web site http://realestatedevelopmentcoach.com/realestatedevelopment.html

Your Home Business Management- Conclusion

In the previous articles, I’ve mentioned some of the key elements of managing your online business when you are working at home: finance, marketing, time, purchasing and computing, plus of course the need to manage yourself. This series has been about the need to manage your business, even if you do work at home alone, rather than just let it drift with the flow of the days, weeks, months and years.

For this last part in the series, I will partially recap, but also add in a few more suggestions that may help you deal with the transition from employee to “own business manager”. Of course, this is a subject I could write a book about, so this short series has been merely an introduction, to get you thinking about your business in a slightly different light to the way you might have done. I hope the following points may assist in that process:

• Always be patient and do not expect instant results. The business world is not like that. Maybe over the years you will have one or two lucky breaks, but do not expect them soon.

• Take a long term view of the business from the outset. This may be your one opportunity to do things right and make a decent income with the freedom of working from home. Set yourself a target for 5 years’ time, then the stepping stones to that target will emerge, one year at a time. Looking ahead 5 years you can set your targets high without being unrealistic.

• Always remember that the knowledge you are acquirin
g will be a growing asset. All of a sudden you may find others viewing you as something of an expert, and you will realise you have knowledge that is valuable, not only to you but to others.

• A piece of knowledge is like a building block. Add these building blocks you are making one at a time. Remember, if you try to put a roof on a building before the walls are in place, it won’t be much of a building. Be patient in placing one block at a time, and there’s a good chance you will stand proudly in front of this building in awe and think: “wow, I did that!” And the roof will be snugly in place.

• Spread your learning across all parts of the business, especially those you don’t like. Never forget, every part of your business is inter-related. You need to be able to piece them together and bind them strongly.

• You will make mistakes, so do not expect otherwise. Marketing in particular will require risk and experiment. Before diving in and inflating your expectations, find out what others are experiencing from what you are wanting to try. Then there will be fewer disappointments and unpleasant surprises.

• Frequent some of the online forums that focus on online business. There are many of them, and some are excellent for making new contacts, posing questions and getting valuable answers and suggestions. You will be surprised how much practical help, support and advice you will get from some forums.

• When you make mistakes or things go wrong in some way, do not blame others. You are the boss of this business of yours, the buck stops with you.

• Do not over criticize yourself or react emotionally when things do go wrong. Analyze what has happened and put it down to experience. It could have been the most important mistake you ever made, by forcing a change that will lead to your success.

• Extract every positive you can from every negative event in your business life.

• Never convince yourself you know better than everyone else. You don’t.

• Never assume that all those who are making a lot of money on the internet are out to get you. Learn from their successes, even if it means adding to their income by working in their downline. It is your job to make money, earn a good living, and succeed, not to resent making money for someone else in the process.

• When you try something new, do so in moderation, whether it be a new ad or new advertising medium, or some traffic generation system. Online or offline, many things don’t work as you had dreamt they might. Test, review and then continue if neutral, making changes that may turn the test from neutral to positive. If positive, consider expansion. If negative, stop, unless there is a substantial reason for doing otherwise. This is all part of the business building process: discard what does not work, and improve and expand on things that do. But ensure the timescale you have set is sensible.

• Monitor everything. It’s a fast moving world. What may be good for your business today may not be so in 3 months’ time.

• Enjoy yourself. If you do not enjoy yourself, change things so that you do.

The above list is far from exhaustive, but reflects some of the things I have learnt over many years of having my own business, working online and offline, after moving from employee status in 1995. I hope that these ideas may help you in some little way towards your goal. By having a management attitude towards your business and yourself from the start, when the day comes to employ staff and delegate, then you will be better prepared and your business will have a firmer foundation. A new level of management will begin.

Roy Thomsitt is the owner, webmaster and author of http://www.change-direction.com , a new website in late 2004, about working online in a home based business. He has a background in offline advertising, with practical experience of working from home in marketing since 1995, plus 2 years of experience with online marketing. Professionally, he was trained as a management accountant and has substantial background in financial and project management, implementing new office, accounting, computer and management systems.

Subprime hybrid mortgages offer temporarily low rates for borrowers while they work to rebuild their credit. With a sub-prime hybrid mortgage, you don’t have to pay PMI, saving hundreds a year. After two or three years of on time payments, you can then refinance for conventional mortgage rates.

Hybrid Mortgage Basics

Since so many people refinance their home loans after they have reestablished their credit, lenders created a mortgage to offer maximum flexibility for borrowers. Hybrid mortgages are typically 1.5% lower than a conventional loan for the first two or three years, depending on your mortgage terms. After that, the rated becomes adjustable, rising and falling based on indexes.

Lenders usually require a prepayment fee if the mortgage is paid off before two or three years. Since most borrowers use this period to establish good credit, the fee isn’t a problem for most. You may also be able to waive the fee by paying a point upon the loan’s settlement.

A hybrid mortgage also allows you to borrow more than with a fixed rate mortgage since your monthly payments are lower. You may also decide to increase your down payment to lower your rate or increase the amount you qualify to borrow.

Hybrid Mortgage Lenders

Hybrid mortgages are offered by conventional and sub-prime lenders. Rates, fees, and terms will vary with each lender. In order to find the best financing package, you should request quotes from several lenders before making a decision.

Typically online financing companies waive or reduce fees, so they are well worth checking out. You can also request quotes from traditional companies through their websites. Online mortgage brokers also make comparison shopping easy by offering several side by side quotes.

Refinancing Options

After you have had your hybrid for at least two years, you should begin shopping to refinance your mortgage. If you are planning to move within seven years, an adjustable rate mortgage may offer you the lowest rate. If you plan to stay put, a fixed rate mortgage can guarantee you a low rate over the course of your loan.

As with a sub-prime loan, compare lenders and finance packages to find the best deal.

See my recommended
Subprime Mortgage Lenders online. Carrie Reeder is the owner of ABC Loan Guide, which offers help with loans for people with bad credit.

You’re busy checking off the items on your to-do list. Most of the gifts have been wrapped. And the holiday cards made it to the post office this morning. Oh, but you forgot about your daughter’s teacher! And what to take to the Smith’s annual Christmas Eve get together? And then the cookies for the school carnival and you used the last of the sugar in yesterday’s brownies for the church fund raiser.

Then just at the same time that you are trying to figure out what to wear to the office party, what should occur? Your two tiny elves run into your bedroom loaded down with treasures they made at school, all meant just for you!

But you haven’t got the time to stop and pay attention. The party’s in just an hour. “Put them under the tree,” you command, turning back to your closet, missing the dejection flattening those eager faces that want nothing more than to please you.

You and your spouse make it to the party on time, but when several people there tell you how attractive you look, you don’t care because you’re bothered by your kids sulkiness as the two of you left the house. You wonder what was troubling them.

Two days later your darling sweetheart arrives home from work with a bonus check, setting up a surprise by placing it on your pillow with a note that says, “To thank you for who you are, this will take us to Paris in the springtime! MUCH LOVE from Your Biggest Fan!” That night you stay up late to get those dozens and dozens of cookies baked, so you can drop them off when you take the kids to school the next day. When you crawl into bed at 1 AM your honey is fast asleep so you can’t turn the light on. You assume that the crinkling paper you lay your head on is some of your darling partner’s last minute office work and throw it on the floor. The next day you have to be told about the surprise and the disappointment caused because you missed it.

Gifts galore!!! And no one to receive them.

The old adage admonishes “‘Tis better to give than to receive.” But when the giving lands on unreceptive hearts, what good is it? In fact, as our all too familiar tale above makes clear, the excited, observant, appreciative givers find that their gifts are ignored and their feelings are hurt.

The gift of receiving is largely overlooked and overshadowed by the need to give. While gifts require money and time to purchase, or money, time, and labor to make, the gift of receiving is free and priceless.

You can’t put a price tag on your children’s glee seeing your face light up with pleasure when their candle-made-in-a-milk-carton turns into the finest glow the season can shine in your direction. There’s no material value that equates with friends and acquaintances complimenting your looks, your talent, your friendship. And your spouse’s romantic appreciation for who you really are, well, it’s all you really wished for, isn’t it? And yet . . .

And yet it’s not too late to make a resolution that this year you will give the gift of receiving, the precious gift of paying attention to every person who wants to please you. You needn’t gush or say you like something you don’t. But you do have to notice any feelings that arise telling you that you don’t deserve all this generosity. You do have to stay on guard against the distractions of your grocery list or that phone call you forgot to make that want to steal you away precisely at the
time that someone is filling your plate with emotionally delicious goodies!

Why?

Because the gift of receiving, the heartfelt “Thank you” is often difficult to give. We’ve all been taught not to be self-centered, to focus on the other person while remaining modest and humble. However, most of us obey those instructions to the point of self-denial.

But then, ZAP! in one split second you are center stage. And that early teaching rings loud and clear: “Get rid of it! Pass it off! Don’t get caught being admired, appreciated, or even loved! Who do you think you are?”

Take the gift of receiving seriously. When you embrace the beauty and generosity of what others give you, you will be changed. And you will be changed into a more self-respectful and self-loving person.

What better gift could you give yourself, and everyone else, than that?

Judith Sherven and James Sniechowski share the secret of life-long romance. Be sure to get your copy of their Free 1 hour teleseminar “Keeping Romance Alive,” and find out how. Just go to ==>http://www.judithandjim.com

Overseas property specialists Property Index sell a range of properties such as apartments and villas.

Though the Property Index service is seen as a new kid on the block concern, starting their business only in March of 2007, they have quick established expert status. As a matter of fact, they are a fairly undemanding concern focusing entirely on counseling every customer who is striving to buy land in a global environment. Their affirmation: to assist you spot smack what’s desired fast and, furthermore, painlessly. Property can easily be found almost anywhere in the world at the moment, one of the hippest areas being properties for sale in Spain. It’s no problem to write a list of the tremendous properties available for sale in Spain, the explanation for investigating estate here is properties available and the fabulous possibility of living between this effervescent people.

It’s one of the most favored regions at the moment, and considering the scenic splendor and agreeable weather surrounding you here, how can you go wrong… Property in Spain is rich in history, this country is and has always been home to more than a few sophisticated cultures. Just 30 years back you’d find merely a dribble of British people in search of properties in Spain. Just ask any one single person who has chosen to relocate to Spain and they are certain to back it up. Lots of people would view it as a transient trend and others view it as a almost an infatuation… Buyers looking to move to this area will typically range from young working couples looking for an exciting perspective to the older generation who want to relax.

There could well be quandaries when looking to purchase properties abroad; you’ll have to cover a million different, rather complex, steps whether planning, inspecting or signing the documents. Even if one minor step is missed that will well bring about wide-reaching quandaries not to forget, preeminently, loss in financial terms. Obviously and expectably with this favored location, properties could well be pretty upscale in this place and this, of course, is merely caused by the great demand. Despite this homebuyers are somewhat spoilt in terms of choice in a region full of vivacious landscape and phenomenal surroundings. It’s presently got the whole kit and caboodle just about anyone might feasibly fancy and then some.

Aurora Colorado Real Estate

Aurora Colorado nicknamed “The Gateway to the Rockies” was the
fastest growing city during the 70’s and 80’s. This city has a
strong history of growth and expansion making it a hot spot for
Colorado Real Estate. This Denver suburb is the 3rd largest city
in Colorado. The latest Census estimates the population at
291,843, making it the 61st-largest city in the United States.
Aurora will soon reach over 300,000 residents. Making Aurora
over half the size of Denver. A former mayor once expressed the
somewhat whimsical notion that eventually the area would be know
as the “Aurora/Denver Metropolitan Area.” Basically, Aurora is a
thriving community experiencing major growth. The constant
influx of people to Colorado has made Aurora Colorado Real Estate a successful and stable
market.

In 2004 alone over 2,067 new homes were built in the city with
an average cost of $210,900. This boom in new construction
creates a lot of options for homebuyers in the Aurora Area.
Whether you are looking to build a brand new home or buy an
existing one you will have plenty of option to choose form in
the Aurora Colorado real estate market. There is an abundance
of real estate choices in Aurora including single-family homes,
condos, town homes, houses, luxury custom homes and golf course
communities. You will be able to find the right home for your
family. Beautiful new neighborhoods are beginning to pop up
everywhere. Even with all the new construction Aurora still has
over eighty parks and seven public golf courses. Three public
reservoirs provide boating, sailing, fishing, swimming,
bicycling opportunities to its active residents. Careful city
planning has created an ideal family designed city and made
Aurora real estate in high demand throughout the country.

Located just outside of Denver, Aurora provides its residents
the benefits of the big city with the peace and quality
neighborhoods of a small town. Even though Aurora sits only 15
minutes away for the Denver International Airport it provides a
more small town feel than Denver. One of the largest suburbs in
the Country Aurora is the perfect escape after a long day in the
big city.

Aurora was recently ranked 9th in the 50 Fabulous Places to
Raise Your Family Contest. Local realtors attribute much of
the Aurora real estate success to its recognition as a strong
family supportive city. The Aurora Public School System has even
been granted the prestigious Blue Ribbon School District Award.
With great schools and family centered neighborhoods Aurora
Colorado will continue to attract new residents from around the
country. Real Estate in Aurora is a hot commodity experiencing
record highs in appreciation and tons of new buyers.