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

Real Estate syndicates and Off-plan property in Europe

Dubai - Beware

The latest articles about investing in real estate on the Unique Property site are warnings. Everyone is getting excited about Dubai.>

I have read quite a lot about the prospects for Dubai. A lot of money
has been made over the past couple of years. I expect a lot more will
be made over the next couple of years as well. But what about beyond that?

I am very pessimistic about the situation in the middle east. Iraq is
one of the three most unstable countries in the world. Have a look how
far it is from Dubai.

The other two most unstable countries are Iran, and Saudi Arabia. Both
are holding down an incredible undercurrent of t View the rest of this article


home rental ads

Become an LPN, the fast path to a nursing career.

Licensed Practical Nurse (LPN) Careers


Licensed Practical Nurses provide the most amount of direct patient care within the nursing category of healthcare. If you’re interested in a healthcare career dealing directly with patients, becoming an LPN is a rewarding opportunity.





LPN Job Description





LPNs provide a large portion of direct patient care. LPNs may be assisted by nurses’ aides ( CNAs ) and other assistants in some of their duties. LPNs are directed by doctors and nurses (RNs & nurse managers). Typically, a LPN’s work duties include:





Taking vital signs


Preparing and administering injections and enemas


Applying dressings and bandages Watching catheters


Tr View the rest of this article

Contact Lenses A Better Vision Option

There are over 34 million contact wearers in America. The idea of contact lenses has been around for hundreds of years. It is said that the first person to conceptualize the idea of contact lenses was Leonardo da Vinci in the early 1500's. It wasn't until 1971 that soft contact lenses entered the market, followed by GP or gas permeable contact lenses in 1978. Extended wear contacts received FDA approval in 1981 and disposable contacts were introduced in 1987.
Today's contact lenses do more than improve vision. Some contacts are specifically manufactured to change eye color only. With dozens of different colors available some contact lens wearers change their eye color slightly, and some go for a totally different look, such as brown eye to green or blue eye to br View the rest of this article

Liven Up Your Baby Shower With A Few Games

You have a baby shower planned for a friend; you have organised the invitations, and sent them out to everyone on the list. You have even planned the food that is going to be available at the shower. Then you think, but what do we actually do? Just talk and hand over the gifts; or shall we play a few shower games?
Well, it does seem that many people do opt for playing a few baby shower games. If you are the playful type, and think some games will go down well at the shower, then why not have a bit of fun? There are no strict rules about baby shower games. In fact, you could take just about any party game and play it as it is. It is probably better, though, if you either come up with one or two unique ideas yourself, or give a baby twist to an ordinary party game. View the rest of this article

Free profile is worth a thousand words...

A little help finding love online.





Visit the dating sites.





If finding love online is what you're after then the most important thing you can do is to get out there and network with fellow singles. Visit dating sites and picture personals sites otherwise finding love online simply isn't going to happen for you. A quick search on the Internet will find you plenty of sites like this, in fact if you wait around long enough without a pop up blocker on and you won't even need to search. Finding love online couldn't be easier, there are so many sites that are literally jam packed full of hopeful singles that it may be easier not finding love online.





You can never have enough friends.





In your View the rest of this article


dating reviews

Bad Credit Mortgage Refinance - Should I, Shouldn't I?

It is a common financial scenario across households in the Western world. Multiple debts have started to build up: a car loan here, a department store loan there; a bank loan here and several credit cards there. While all may have seemed manageable on the optimistic day you took them out, or spent on them, suddenly you realise that you cannot keep up with the monthly payments. You miss out on a payment or two, and suddenly you have a bad credit record. A few more missed payments and you start to feel the pressure, so start thinking about refinance.
The silly thing is, in asset terms you are not poor. You have a home of your own; it is mortgaged, but you have plenty of equity. Now wouldn't it be great if you could get a new loan to consolidate those monthly paymen View the rest of this article

Print On Demand : A Definition and a Comparison

Print On Demand - A Definition and a Comparison


Copyright 2005, Michael LaRocca





The purpose of this article is to consider Print-On-Demand


publishing as an alternative for the aspiring author. It has its


strengths and its weaknesses. You may wonder as you begin reading


this, but in the end I'm going to say some good things about it.





The title explains the technology. The way that literature has


traditionally been printed involves running many copies simul-


taneously in order to bring the price per copy down. Smaller


print runs, such as advertising, brochures, or concert programs,


cost more per copy because they are small print runs. Until

View the rest of this article

Basic Marketing Dope

Sometimes the simplest data is the best. Marketing is not complex if you know the basics – that’s true with anything by the way. Here are some tools that are brilliantly simple and with them you really won’t have to sweat the small stuff.





Hot Dope #1) The more that your potential customers see your name in front of them, the more likely they are to call your number (and not someone else’s) when they need the services you offer.





Many marketing efforts go unrewarded, not because they were off target but simply because they weren’t given enough of an opportunity to work. Showing your TV commercial one time, running an ad in the newspaper once, or doing one mailing of postcards may not be enough to grab and keep the audience’s View the rest of this article

Effective List Management Can Save You Big

Let?s talk about how to keep your postage costs down.
So far you have been following my advice and mailing to the same list more than once. At some point you find lists that will produce returns continually, but you notice that you are receiving more returns than when you started mailing to those lists.
You may see things like "Undeliverable as Addressed" or "Forwarding Order Expired." Every time you mail to an address and that prospect has moved or cannot be found for any reason, you have just paid for the postage with no possibility of getting a response.
Obviously it is a pretty big waste of money to continue to mail to this address, but what do you do about it? You could simply go into the list of names that you have purchased and delete the returns. View the rest of this article

Home Appraisal Values Are Crucial

To most, owning a home is a necessity, but sometimes it is a matter of pride or a business investment. Home appraisal values become relevant if one wishes to sell his house. Home appraisal values is a technical term which means the value of a home in terms of money that it brings in a real estate market. Home appraisal values are a critical factor when it comes to assessing the selling price of the home while it’s under consideration.

Home appraisal values or the process of appraisal, if put in simpler terms, is usually performed by an authorized person called the appraiser. Appraisement, assessment, estimation, evaluation, and valuation are other synonyms invariably used to mean appraisal. Generally it is the lender who pushes for home appraisal values bef View the rest of this article

Cosmetic Dentistry: Part 2

Let’s explore the cosmetic options:
Braces.
While you may have worn braces as a child, braces are now a treatment option for adults as well although realignment may take longer for an adult. In some cases an adult will require more than just an orthodontic procedure.
Braces are the recommended treatment to correct an orthodontic problem called malocclusion or “bad bite.” A few of the causes of the bad bite are extra, missing or crowded teeth. This condition is usually inherited although some may be caused by accident or other means. Having a tooth knocked out and chronic thumb or finger sucking may contribute to a bad bite.
Before treatment can begin, a thorough history is necessary for the dentist to render a proper prognosis. The dentist may take nu View the rest of this article

Cosmetic Dentistry: Part 3

Bridges.
Sometimes permanent teeth need to be replaced. Teeth can be lost through dental decay, knocked out in accidents or, in some rare cases, never grow in the first place.
When this occurs a cosmetic process is used to fill in the blank space with one or more teeth. The dentist will create what is known as a “bridge.” Just as the name implies, it entails creating an appliance that will place a tooth precisely where it needs to be. This is considered a cosmetic process even though sometimes the bridge is more functional, for instance in the molar area. The bridge also helps maintain the integrity of the bones.
There are three types of bridges that your dentist might use depending on your circumstances. They come in porcelain, alloys or a combination of View the rest of this article

Hard Money Loans - Reasons Why You Might Want To Try Applying With A Subprime Mortgage Lender

Before you apply for a hard money loan, try applying with a subprime mortgage lender first for lower rates and fees. Hard money lenders charge excessive fees to high-risk borrowers, but will only lend 50% to 75% of the value of the property. On the other hand, subprime lenders offer loans to similar high-risk groups, but with better terms.
Lower Rates
Subprime lenders specialize in B, C, and D class loans. Even with a bankruptcy in your financial records, you can still be approved for a mortgage with a subprime lender. To protect themselves from the higher risk of foreclosure, subprime lenders charge a couple of interest rates higher with additional fees.
Hard money loans are funded by private individuals, who require high interest rates somewhere View the rest of this article

This Winter, Provide Water For The Birds

Even the most novice bird watcher places a bird feeder out in winter, what strikes me, is the number of experienced bird watchers who do not provide water for the birds during winter.
The energy expanded looking for a fresh water source could be better used for staying well and surviving the winter.
All wildlife needs water, Summer and Winter.
Birds, like humans, need water all year. By investing in a heated bird bath or by adding a bird bath heater to your existing bird bath, you'll be providing the greatest resource birds need in order to survive.
Bird bath heaters are usually available wherever bird feeding supplies are offered. Check local hardware stores and large discount stores.
Heated bird baths are most commonly found on-line. These are c View the rest of this article

How To Choose A FOREX Broker

Most investors who trade FOREX stocks use a broker. A broker is an individual or a company, who buys and sells stocks according to the investor's wishes. Brokers earn money by collecting commissions or fees for their services.
You should check that a broker is registered as a Futures Commission Merchant (FCM) with the Commodity Futures Trading Commission (CFTC) as protection against fraud or abusive trade practices. A FOREX broker also needs to be associated with a financial institution, such as a bank in order to provide funds for margin trading. Picking the right FOREX broker for you will take some work on your part. There are brokers who charge a flat fee and some that charge commission. It may be a good idea to talk with friends and business associates about View the rest of this article

Managing Credit Cards Effectively

Credit cards are almost a necessity in today?s society. It has become harder and harder to get through life without plastic. If you want to make purchases over the Internet, guarantee a hotel room, or perform a wide variety of other financial transactions, a credit card is essential. And, the truth is, credit cards can be a valuable financial tool, provided you manage them effectively.
All credit cards are definitely not created equally and the first step to effective credit card management is shopping around for the right card in the first place. The factors to take into consideration are interest rates, annual fees, other fees, grace periods and aspects like cash back or other rewards for using the card.
Interest Rates
One of the incentives credit card View the rest of this article

Search Engines Secrets - Easy To Follow

1) Before you start, you must find the right keywords. If you optimize your WebPages for the wrong keywords you will fail on your campaigns. Try to avoid the highly competitive keywords such as “Work from home”, for example. You can’t beat millions of competitive websites. There are two Great free tools for finding keywords: http://www.goodkeywords.com and overture suggestion tool: http://inventory.overture.com
2) The page optimization easy rules you must follow are these:
a) Put your keyword in your title tag, for example we will use the keyword “self improvement software” self improvement software
b) Put your keyword in the heading tag - sel View the rest of this article

Do You Have Problems Getting Things Done?

Probably the most common element that I see in clients who can't get things done is interruption. The kids, spouse, or other obligations are always "getting in the way" of their music careers.
The problem isn't usually the interruption though...it's the people being interrupted.
There is something about most people which makes them feel they should be accessible at all times. We've got mobile phones, pagers, a fax, email, and dozens of other ways to let people get in touch with us. And all that stuff is great, but that doesn't mean we have to use it all the time.
If you've ever tried to call my office, you'll get voice mail...and it's not because we're not around. We don't answer the phone because calls keep us from getting things done.
You may be thi View the rest of this article

Mommy & Baby: Before The Baby Arrives

Congratulations ? you?re going to be a mom! Whether it?s your first or sixth baby, there are things to consider and plan for:
 Do you have your birth-plan worked out with your family and obstetrician (nurse-midwife)?
 Do you have your suitcase packed (or things organized if you?re having a home-birth)?
 Do you have your emergency contacts in case you go in to labour at a less-than-convenient time?
 Do you have the nursery ready for your baby?s arrival?
 Does your baby have a family?
That last point might seem odd, but inasmuch as we plan with such detail about every other aspect of our newborn?s life, sometimes we overlook the most basic thing: your baby needs a family. I?m not going to delve in to the political hot-potato of si View the rest of this article