Understand credit report’s relevance in mortgage

One might be wondering why some lenders turn down a mortgage application while some others might consider it fit for approval. The answer may well lie in the credit report and the credit score to be precise which plays a crucial role in loan sanctioning.





Credit history is an important factor affecting loan granting decisions by the lender or mortgagee. As part of the pre-approval process a detailed investigation is carried out into your financial history whereby the lender assesses your finances, your credit history and your investments. Your debt ratios are compared with the lender’s standard while deciding on the loan approval. Your level of debt or credit history is taken as a parameter for judging your ability to make the monthly repayments. View the rest of this article

Body Language Speaks Louder Than Words

Has it ever occurred to you how much you are saying to people even when you are not speaking? Unless you are a master of disguise, you are constantly sending messages about your true thoughts and feelings whether you are using words or not.

Studies show that your words account for only 7% of the messages you convey. The remaining 93% is non-verbal. 55% of communication is based on what people see and the other 38% is transmitted through tone of voice. So think about it. In the business setting, people can see what you are not saying. If your body language doesn't match your words, you are wasting your time.

Eye contact is the most obvious way you communicate. When you are looking at the other person, you show interest. When you fail to make eye View the rest of this article

A Clothes Encounter In The Business World

Do you ever wonder where all the dress rules have gone? Depending on when and where you are on any given business day, the words "distant past" might come to mind. It's difficult to decide if people don't know what to wear to work or if they have lost sight of the relevance of appearance to professional success.

The Queen of England is reported to have told Prince Charles, "Dress gives one the outward sign from which people can judge the inward state of mind. One they can see, the other they cannot." Clearly, she was saying what many people are reluctant to accept; that people judge us by the way we dress. In all situations, business and social, our outward appearance sends a message.

Try going to a busy restaurant at lunchtime. Look around you at View the rest of this article

Playing Texas Hold'Em In Vegas Or Online

We all know that A-A is the best starting hand in Texas Hold'em, and 7-2 is the worst. But between these extremes of riches and rags lies a vast gray area of poker hands that may or may not be played.
You'll play A-A for sure, right? And K-K, too. Q-Q? Probably? JJ? Still going for it!
This means that you are committed to your big p ocket pairs. What about pockets 10's or 9's? Where do you stop being committed?
In Texas Hold'em, different hands do different things.
Big Pocket Pairs
You're probably going to play these hands no matter what. In general, if you have big pocket pairs, raise! This will drive out players and make your hand a surer winner.
Medium Pocket Pairs
These are pairs that need help from the flop because without help, someo View the rest of this article

5 Powerful Steps To Unleashing Your Creative Self

There is a thread of certainty that runs through most lives. It


is sensed as a measured and anticipated rhythm of predictability


built upon our notions of how things have been and how they will


continue to be.





While this is comforting and provides a sense of continuity to


our lives, it is also limiting and not conducive to unleashing


our creative selves. Here are five steps you can take to break


the mold of predictability and expand your horizons in ways you


never imagined.








1. Acknowledge And Release The Past





The mundane concerns of existence that propel us through our


days often leads to a deadening of exhil View the rest of this article

There Is No Such Thing As The Gambling Olympics!

I often become bewildered when I hear of people bragging, because they have high strike rates and/or high profit-on-turnover figures (POT). You know the 'my strike rate on the Soccer is 73%' or 'my POT on the gallops is 90%'.


Yes, OK, congratulations. Give yourself a pat on the back; you are making money. Well, actually, if your strike rate on the Soccer was 73%, this certainly does not guarantee that you are showing a profit. After all, the goal is to back plenty of winners, isn't it? Well, yes and no.


Is the goal to simply make money, or is it to make as much money as we can, given our current resources (time, starting bank, knowledge, etc.)? I realize that it sounds like I am being a little greedy, but come on, admit it, we all want great, big View the rest of this article

Treadmills - A Way To Achieve Better Health

So, you've finally decided you have to do "something" to get yourself in better shape. It's a fact that in the United States obesity and overweight have reached epidemic proportions. Overweight also plays a major role in numerous preventable diseases such as diabetes, hypertension, and heart disease. It is also a fact that diet alone will not give you sustained weight loss and better health. To sustain a healthy weight, and to achieve better health you also need aerobic exercise.
For many of us with hectic lifestyles, going to work, taking care of the kids, and running errands each day, a gym membership may not be the way to go. However, without any excuse, each and every one of us can find at least 20 extra minutes in our day to exercise at home. Do it in the mo View the rest of this article