Add You - Finance

To Buy Or Not To Buy: Lawn Mowing Business
TRUTH IN THE LAWN MOWING INDUSTRYWe do not wish to slander any company or person but instead share information that is of value to each and every one! Most people who enter this industry will be effected by one of the following and we see fit to share with you what we know and have seen.Buying Into A FranchiseOk buy into a franchise, spend 25 thousand. For your money you may get 65 customers (if you're lucky), equipment and use of their well known name. After 3 to 4 months of being with them, you may have accumulated another 30 customers, and that may be all your able to cope with, TURNING OVER a possible $1,000 a week. It looks great in theory, but of course, you would be paying royalties, fees, etc. This may be costing you 4 to 5 hundred dollars a month and what are you paying that for? You already have 100 customers. So already, within 6 months, your business is established, the contract you signed may put you in debt $6,000 per year for 4 to 5 years. Now it doesn't look so good, does it. You are doing the hard work and someone else is reaping the profits.Now that is a good scenario, what happens if after spending thousands of dollars on this franchise, you decide that lawn mowing isn't for you? OUCH... no ex

an 75% of your homes value?

Yes - Go to the next question No - Contact a Licensed Mortgage Broker to discuss options If your loan to value (LTV) is less than 75%, you have equity available to get the best rates on a refinance with little or no out of pocket costs.

7. Do you plan on staying in your current home less than 2 years?

Yes - Go to the next question No - Contact a Licensed Mortgage Broker to discuss options For most re-fis, the break even point (where costs of the re-fi equal the savings in payments) is 1-2 years.

8. Do you plan on staying in your home more than 7 years?

Yes - Go to the next question No - Contact a Licensed Mortgage Broker to discuss options In the long term, rates on ARMs should come back down to a point below current fixed rates, but short term you could still save thousands of dollars.

9. Is your other high interest rate debt (credit cards, finance company loans, etc.) small or non-existent?

Yes -

Edge Of The Creek
I was 6 at the time and we had just moved to this place that was near a creek. The creek was at the bottom of this steep hill, lots of fun racing down, but coming back up was tough, because it was so steep.My brother and I went down to the creek and he knew how to swim and I didn’t. No help from him to learn, just heckling, as usual from a brother. I was standing at the edge of the creek, looking and wishing that I could just jump in and swim over to this big rock where my brother was. Only problem, it was deep, dark and I was frozen with fear. Would I get swept away, why was the water so dark, what was in that dark water anyway? All these questions and the fear mounted. I would just stand ankle deep and go no further. My brother kept yelling at me and calling me a chicken. I have to admit that I was.As I was standing there, a guy that lived near us, we lived on a small farm and he lived about ? mile away, showed up. He was going fishing. First thing he asked was why I wasn’t in the water swimming. Now picture this, here was this guy who was over 6 feet tall, huge compared to me, standing next to me and talking in a nice way. He didn’t call me a chicken or berate me in anyway. I said I was afraid of the water. Why, he asked. Well I gave

Since the Federal Reserve recently stopped it’s three year crusade to increase the Prime Rate every six weeks, most people with adjustable rate mortgages (ARMs) expected their already high rate to stabilize. Unfortunately, it takes up to 18 months for the indicators linked to some ARMs to “catch up” to a stable Prime Rate. This means many homeowners have seen their rate continue to creep upward in the last few months, despite the lack of change in the Prime Rate.

The increasing interest rates, which means ever increasing payments, have left many homeowners scrambling to make their next mortgage payment, and its also a major factor in the nationwide increase in foreclosures. In many states in the southeast, large increases in property taxes and homeowners insurance hit at the same time, making the situation even worse. The combined effect in some cases has resulted in total payments that are 50-60% higher than they were only 1 or 2 years ago, which is a change that few consumers can handle. Fortunately, due to circumstances in the long term bond market, interest rates on Fixed Rate

Mortgages have lagged behind the huge jumps in ARMs, and this offers a solution for homeowners that find themselves unable to afford to continue to live in their own homes. But whether or not this is a good solution for you depends on a variety of factors, and hopefully you can use the information in this article as a starting point to figure out whether switching to a Fixed Rate Mortgage will help you.

First of all, if you’re “stuck” in an ARM that was highly recommended to you two or three years ago by a Licensed Mortgage Broker or other mortgage professional, don’t feel too bad, or blame the Mortgage Broker for giving you bad advice. Historically, ARMs are a much better deal than fixed rate mortgages, and can save you tens of thousands of dollars in the long term. Plus, no one could have predicted the changes in the economy, and the Federal Reserve’s reaction to those changes, which caused rates to skyrocket in just three years. The advice they gave you three years ago was sound, and may still be valid in the long run. But if you find yourself unable to pay your mortgage now, a change in plans may be in order. To find out if changing your current ARM over to a Fixed Rate Mortgage is a good idea, just answer the questions below, and they should lead you towards a solution.

1. Can you possibly afford your current mortgage payments without getting behind in your payments?

Yes - Go to the next question No - Contact a Licensed Mortgage Broker to discuss options You need to make some kind of change now, before you get behind on your payments or even lose your home.

2. Are your credit scores worse or basically the same as when you got your current mortgage?

Yes - Go to the next question No - Contact a Licensed Mortgage Broker to discuss options If your scores are significantly better, you may be paying an ARM rate that is 3% or more higher than the best fixed rate available to you now.

3. Is your current interest rate on your ARM less than 7.5%?

Yes - Go to the next question No - Contact a Licensed Mortgage Broker to discuss options Current fixed rates could save you 1-1.5% or more on your ARM if it’s rate is over 7.5% now.

4. Do you have only one mortgage on your home? (no second mortgage or Heloc)

Yes - Go to the next question No - Contact a Licensed Mortgage Broker to discuss options It may be possible to combine your mortgages into one lower rate first mortgage, and you could save hundreds of dollars each month.

5. Do you no longer pay (or never have paid) mortgage insurance (PMI)?

Yes - Go to the next question No - Contact a Licensed Mortgage Broker to discuss options You may be able to refinance your mortgage to a fixed rate and eliminate your mortgage insurance at the same time.

6. Is the total amount of your mortgage more than 75% of your homes value?

7. Do you plan on staying in your current home less than 2 years?

Yes - Go to the next question No - Contact a Licensed Mortgage Broker to discuss options For most re-fis, the break even point (where costs of the re-fi equal the savings in payments) is 1-2 years.

8. Do you plan on staying in your home more than 7 years?

9. Is your other high interest rate debt (credit cards, finance company loans, etc.) small or non-existent?

Yes - G

Mystery Shoppers Guide to Successful and Fun Experience as a Mystery Shopper
Mystery shopping is easy and fun, but it does not hurt to get some helpful advice on how to become more successful. To master your performance as a mystery shopper, you need not be only a good actor, but also be able to follow instructions and to act on contingencies adequately. Let me tell you why.One of the beauties of mystery shopping is that you actually get ready for a real-time experience that is only partly staged. You cannot predict all the situations that can occur, but can only get prepared for your major tasks and goals – how to play, what to require, what questions to ask, what demands to pose, what attitude to show, and what to observe. It is definitely fun to be doing all these things simultaneously – posing as a real customer and watching out for all the details included in your task instructions.However, being a mystery shopper is more than just following the instructions. Once deployed at your shopping location, you need to focus not only on the particular details, but to grasp the whole picture and be an objective evaluator. Some mystery shoppers tend to overemphasize the technical part and may go to extremes that are likely to expose them as pretended customers. I know cases when mystery shoppers are so anxious to take

mers can handle. Fortunately, due to circumstances in the long term bond market, interest rates on Fixed Rate