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  • How to Save on Gifts and Make Christmas Affordable

    There’s a reason why churches frequently arrange to have me present the No Debt No Sweat! Christian Money Management Seminar in the late fall. It’s to encourage their people not to go crazy with the credit cards at Christmas.

    The most miserable walk in the world is the one many of use make in late January carrying the mail back to the house from the mailbox looking at all those bills. What makes it even worse: A lot of those gifts were for people we only halfway know, and who have either already returned the gifts we bought, or have given them to someone else! But there you are stuck having to make payments for the next year! Bad plan!

    Many people spend more on gift buying than they can afford. There are probably several reasons for this: First, some folks, who don’t have written monthly budgets, simply don’t realize how much they’re spending for gifts. Second, there are lots of people who would rather spend themselves into the poor house than to let their “friends” know they have financial limits. Third, there are a lot of people who really don’t know how to give gifts without spending money.

    It’s this third group that I want to direct some ideas to in this section. First, understand that we give gifts to people whom we love-and, who love us back. By definition, these people care more about the giver than the gift. They don’t care what you spend. They care about you. For people like this, it really is the thought that counts.

    Maybe you’ll find some good ideas below:




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    Effective Face-to-Face Marketing For Foreclosure Cleanup Businesses

    One frequently overlooked marketing method is face-to-face marketing. You can do this in a number of ways as the owner of a foreclosure cleanup business.

    Make Office Visits: For example, you can pop by realtor offices, mortgage brokerage firms, insurance agencies and other community businesses you think can use your foreclosure cleanup services.

    You don’t have to make an appointment. Just drop by, introduce yourself, tell them what you do and ask if you can leave a flyer with them just in case they need (or know someone who might need – the types of services your company offers.

    This is a highly effective way to get business – especially in the beginning – because it’s free and you get your mug (your face) in front of people.

    If you decide to use this method, be brief and to the point. If someone wants to talk, by all means, spend time with them. But, as you’re not going to call to make an appointment, just pop in to leave your foreclosure cleanup business information.

    Networking Meetings: Every city has small business networking meetings. The most organized, effective ones charge a fee. The fee can be anywhere from $10 to $25 or more. You can start to find out about these meetings by visiting your local Small Business Administration office, or logging onto their website.

    Another way to find out about formal gatherings is to Google phrases like “networking meetings” and “your city/state.”

    The most effective way to network though is to join your local Chamber of Commerce, which brings us to, in my opinion, the best way to market face-to-face. Why? Read on.

    Join Your Local Chamber of Commerce: Following are a few compelling reasons you should join the local chamber of commerce when you’re just starting your foreclosure cleanup business.

    Less Competition: If you’ve ever belonged to a Chamber, you know there are usually a ton of certain professionals, usually realtors, insurance agents and mortgage brokers – as it relates to your industry (foreclosure cleaning).

    This is like captured prey for you in that they’re right there in front of you and you know what, you’ll probably be one of the only foreclosure cleaning company owners there. Why is this?

    Because most businesses that do this kind of work are not full-service foreclosure cleanup companies. They are usually man with a van, moving companies and/or other skilled professionals who offer one or two services (eg, painting, electrical).

    But as a foreclosure cleanup business owner, your company can ostensibly offer all of these services – and that’s what will appeal to realtors, mortgage brokers and others who may need your services.

    FYI, in case you don’t know, chamber members are made up of businesses from the local community. Here you will find such diverse businesses as print shops, staffing agencies, real estate agents, insurance agents, mortgage brokers, catering services, marketing and graphic design firms, banks, etc.

    You never know where your next job is going to come from and joining a local chamber gives you access to your entire local business community.

    Prestige: Joining the local chamber gives your business a competitive leg up in that it makes you “official”. This is invaluable when you are just starting out.

    This leads to our final – and the most important – reason you should join your local chamber: referrals.

    Constant Source of Business: It has been my experience that people do business with those they: a) know, b) like, and c) trust. The chamber builds all of these sentiments. How?

    By being in front of the same group of people on a regular basis, you get to know them. Over time, this builds into a friendly (ie, “likeable”) relationship. Once people know and like you, getting them to trust you is the next logical step.

    With the above three sentiments in place, you can really maximize your chamber membership by getting members to do business with – and refer business to – you.

    Effective, affordable marketing lies in meeting people, face-to-face. Start dropping by industry offices, researching networking meetings within your geographic location and joining your local chamber. Stay in front of potential customers so when they need a service like yours, you are at the forefront of their minds.

    Continued success with your foreclosure cleanup business!

    Cassandra Black is the Author of How to Start a Foreclosure Cleanup Business: FREE Articles & Advice Blog and How to Start a Foreclosure Cleanup Business eBook

    Article Directory: EzineArticles




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    How To Repair Bad Credit By Refinancing Your Home Mortgage

    One of the best ways to repair your bad credit is by refinancing your home mortgage. The difficult part is finding a lender for your home mortgage since your credit history is not good. Forget about the banks and other financial institutions, they will not probably accept your home mortgage. So how do we find a lender that does?

    Well, the answer to that lies in subprime lenders. Most subprime lenders are willing to offer loans to people with bad credit history. However do note, it does vary from one lender to another and you may have to visit a few before finding one that does.

    You can find subprime lenders on the internet, through your friends or the local business directory. Some lenders have acquaintances with other lenders and they can do a referral on your behalf.

    Since subprime lenders are taking a high risk by refinancing your home mortgage, you may need to find a few before you find one that offers you the loan. Subprime lenders also have their own approval process not much different from banks and financial institutions. Your credit history, assets, gross income level, current debts etc are all taken into consideration when determining whether you qualified for the loan except that they have a higher threshold compared to banks and financial institutions.

    They usually charge higher interest rates due to the higher risk they are taking, so even though you may pay more, in my opinion, the benefits of recovering from your bad credit outweighs the disadvantage of higher interest rates.

    Do take note, this is a temporary solution as you still need your pay your monthly refinance on time. If not, you will be in a worse position. I recommend getting a refinance home mortgage loan more than what you currently owe so that you have some money to clear off your credit card debts, bills etc. That also helps in your credit repair efforts.

    Ultimately, this method of credit repair still require you to manage your finances better. I would recommend to setup the refinance payments to automatically deduct from your salary every month. In this way, part of your salary goes towards repaying the refinance loan before you even have a chance to take out the money. Most banks can set it up for you free or you can use the internet banking system to do it.

    Remember, the only way to repair your bad credit is to have good discipline with your finances.

    Ricky Lim works in a finance company specialising in Home Refinancing Loans. Visit his site for countrywide home loans rates and home loan calculator

    Article Directory: EzineArticles


    One of the best ways to repair your bad credit is by
    refinancing your home mortgage. The difficult part is
    finding a lender for your home mortgage since your credit
    history isn’t good. Forget about the banks and other
    financial institutions, they will not probably accept your
    home mortgage. So how do we find a lender that does?




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    YouTube – Facing the Financial Crisis | KETC | Strategy for Saving




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    Now might be a good time to refinance your home


    Now may be the time for you to jump off the sidelines, and refinance your mortgage as rates are near all-time lows, leaving lenders swamped with people trying to refinance. kxly4’s Tori Brunetti reports.




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    Katanga Announces 2009 Fourth Quarter and Year-End Results

    Katanga Announces 2009 Fourth Quarter and Year-End Results
    BAAR, SWITZERLAND –(Marketwire – Feb. 8, 2010) – Katanga Mining Limited (TSX: KAT ) (“Katanga” or the “Company”) today announces its financial results for the 2009 fourth quarter and fiscal year end. Katanga’s Financial Statements and Management’s Discussion and Analysis will be filed on SEDAR, www.sedar.com .

    Read more on Marketwire




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    What Toyota’s Crisis Can Teach Us About Managing PPC Campaigns

    What Toyota’s Crisis Can Teach Us About Managing PPC Campaigns
    It is absolutely stunning that Toyota is embroiled in such a serious quality crisis. Toyota’s well-earned reputation for quality is legendary and is the envy of carmakers worldwide. Their quality control principles and methods are taught in leading business and engineering schools everywhere.

    Read more on Search Engine Land




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    MarksJarvis: Credit rewards, scores

    MarksJarvis: Credit rewards, scores
    1. How many credit cards should I have and what credit limit on each card? 2. Have you written an article on the advantages of using credit cards to gain the reward programs that some cards offer?

    Read more on Chicago Tribune




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    what are some ways i can make extra money online?

    I am looking for some ways to make extra money online, like writing articles and stuff like that. I have done it before, and would like more sites please. No spamming because i will report you.




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