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Business Innovation – Improvisation
One of the most valuable fields of experience and one that creativity and innovation leaders should engage in – especially business leaders - is improvisation. Many of the skills of improvisation apply directly to idea generation:
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Creativity Management – Organizational Culture
As idea generation is a cognitive activity, it follows that certain environments will inhibit that activity (and expression of) whilst others will foster it.
Creativity can be defined as problem identification and idea generation whilst...
Making Your Purpose Your Business, Step#4
Step#4 – Organizing & Developing Online Content
If you have done your homework then you are ready to organize and develop what will be your online content. Your content is very important as it will be used for promoting you, your work, and...
Team Building for Entrepreneurs
As a business owner and entrepreneur, you need an external and internal team of people to help your business thrive. As a business resource consultant, I also help others build the teams they need for continued success.
Whatever the reason for...
Why Would a Manager Want to Learn Emotional Intelligence?
Because the best managers are emotionally intelligent!
1. Managers are called upon to make decisions. Primitive emotions, unmonitored, automatic, powerful and not always conscious can “hijack” us making us react thoughtlessly to people and...
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Mortgage Qualification Problems - Not Enough Income
Qualifying for a mortgage can be a stressful affair. A common problem that can occur is not having enough income to qualify for the loan amount. If you have this problem, here are a few possible solutions.
Mortgage Creativity
You find the house of your dreams and need to get a home loan. You have great credit, almost no debt and have been employed for five years with the same company. You apply for a loan and are stunned when you are turned down. The reason? The lender says you have insufficient yearly income to justify the loan amount.
What the lender is really telling you is it doesn't think you can afford the monthly payments for the mortgage. Before you go ballistic, you should sit down and seriously review your financial situation. Getting a home loan is fine and all, but not if you are unable to make the monthly payments. Try to be realistic in your evaluation. It will save you many sleepless nights. But, what if you can afford the payment?
The first creative solution you may want to consider is an increase in the amount of the down payment. By increasing your down payment, you will reduce the amount to be
borrowed which can make all the difference in qualifying. If you can bump the down payment up to 25% of the total value of the property, many lenders will relax the qualification requirements.
A second creative solution involves alternative loan sources. Initially, good old mom and dad may be able to help you out. In fact, this is one of the traditional down payment funding sources for most first time homebuyers.
A less known alternative, however, is your 401k retirement account. Under federal law, you can borrow up to 50% of your 401k balance. The repayments have to be made in five years, so analyze how this option will impact your finances. If you can pull it off, you will be in the advantageous situation of paying yourself interest instead of a bank.
Regardless of the approach you take, insufficient income need not be the end of your home buying prospects. Get creative and you can find a solution. About the Author
Dan Lewis is with http://www.gwhomeloans.com - A San Diego mortgage company providing home equity loan, refinance and mortgages to San Diego home owners.
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Creativity - Wikipedia, the free encyclopedia |
Creativity (or creativeness) is a mental process involving the generation of ... Wallas considered creativity to be a legacy of the evolutionary process, ... |
en.wikipedia.org |
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Creativity For Life |
An exploration of creativity in everyday life, with articles, quotes, reviews and other creative resources to awaken creativity in daily life. |
www.creativityforlife.com |
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AdCritic.com: Commercial Ads |
FROM CREATIVITY: Emerging Directors, Unite In the time it took to write this, three new directors popped up. Here are twenty to get acquainted with. ... |
www.adcritic.com |
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National Curriculum in Action - Creativity - |
Ordering Creativity packs: print and video materials. This website gives practical ideas on how to promote pupils' creative thinking and behaviour. ... |
www.ncaction.org.uk |
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Ten Steps for Boosting Your Creativity |
Experiments performed by the JPB Creative Laboratory show that watching TV causes your ... a weekly report on creativity, ideas, innovation and invention ... |
www.jpb.com |
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Category:Creativity Techniques - Mycoted |
This is a general category of Creativity and Innovation Techniques, ... I like to think of these creativity techniques as tools in a toolbox in much the ... |
www.mycoted.com |
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Creativity at Work: The interplay of business, art and science |
A resource for training and development in creativity and innovation in organizations. Has a newsletter, and some articles and essays by 'Corporate ... |
www.creativityatwork.com |
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Crayola Creativity Central |
Crayola Creativity Central offers kids arts and crafts ideas for rainy day fun. We also have coloring books and pages, art and craft projects, games, ... |
www.crayola.com |
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Pages tagged with "creativity" on del.icio.us |
All items tagged creativity ??? view popular ... Perspective for Creative Leaders · save this. by aromay to creativity business management ... 1 hour ago ... |
del.icio.us |
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Creativity Web - Resources for Creativity and Innovation |
Creativity Web Home Page Resources for Creativity and Innovation ... The Creative Process · Multiple Intelligences · Idea Recording · Your Creative Space ... |
members.optusnet.com.au |
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gapingvoid: "cartoons drawn on the back of business cards": how to ... |
So you want to be more creative, in art, in business, whatever. ... Companies that squelch creativity can no longer compete with companies that champion ... |
www.gapingvoid.com |
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Creativity Quotes | Creativity Quotations | Creativity Sayings ... |
Quotes on Creativity - part of a larger collection of Wisdom Quotes to challenge and inspire. Find Creativity quotations and links to quotes on other ... |
www.wisdomquotes.com |
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Ideas by Creativity Pool |
A free database with new ideas and possible inventions. Add your own, or bring an existing idea to life. |
www.creativitypool.com |
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CREATIVITY |
Creative problem solving depends on using the right tools, tricks, ... Search for the latest books on Creativity (or anything else) in the Quantum Books ... |
www.quantumbooks.com |
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Creativity Tools, Creative Solutions & Creative Problem Solving ... |
This page explains a wide range of techniques which can help you generate creative solutions to your problems. |
www.mindtools.com |
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The 6 Myths Of Creativity |
A new study will change how you generate ideas and decide who's really creative in your company. |
www.fastcompany.com |
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CreativeClass.org |
Richard Florida's "The Rise of the Creative Class" examines creativity and its effects on economic development. |
www.creativeclass.org |
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TIP: Concepts |
The relationship between creativity and intelligence has been always been a central concern of psychology ( Guilford , 1950). Much effort has been devoted ... |
tip.psychology.org |
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American Creativity Association (ACA) |
An incorporated non-profit organization promoting personal and professional creativity. Association membership is represented by four multidisciplinary ... |
www.amcreativityassoc.org |
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CREAX - Portal for creativity and innovation |
A resource for links on creativity and innovation on the web. A selection of 690 links is divided into 67 categories for the visitors convenience. |
www.creax.net |
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