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Creating Assets: Spark Your Thinking With These 16 Comprehensive Questions
Here are some questions to get your thoughts and cash flow moving that will also keep your product creating aligned and focused.
Find the gold mine in your surroundings by looking at any promotional literature you have created, audio or video...
Part 1 of 5 - How "Pipe Dreams" Can Become Realities!
Take a look at yourself - inside and out. Where do you live what job do you have, how do you relate to your friends and family? What interests do you pursue, what adventures do you have? What do you truly want from life? Do you want wealth...
Right starting of a home business (Part II)
START A BUSINESS WITH START UP MONEY
Most home businesses do not involve extensive startup costs, so
you most probably will be able to "bootstrap" your fledgling
operation using your own money, but if you can't, use...
Credit cards. Be...
Seeds Don't Worry - Natures Way To Success
?How in the world are you going to make it?? she asked. ?My work isn?t selling and I?m just going to quit!? The above comment came from a friend experiencing frustration over her artwork not selling. She also asked me how I could continue to keep...
The Successful Entrepreneur - Top Ten Personality Traits as shown in Handwriting
1. Independence
You can't be an entrepreneur if you are constantly depending on
someone else. You have to be willing to stand on your own two
feet. In handwriting, Independence shows in two ways.
- Where the capital I, when used as...
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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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