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Franchises - A proven Business System
Franchises offer the first time business owner a proven and successful business opportunity. If you are looking to start your own business for the first time, franchises provide you with the greatest opportunity for success. When you purchase a...
Managers Who Spend PR $$ Wisely
If you are a department, division or subsidiary manager, your budget is a precious possession whether you work for a business, a non-profit or an association. So why stand by while your public relations team spends too much time and treasure on...
PILES, FILES, LISTS—OH NO!
PILES, FILES, LISTS—OH NO! By: Janet L. Hall Everyday our desks, floors, and credenza get bombarded with papers: memos, notes, phone messages, reports, mail, and of course all the "stuff" we have to print out from our computers! I'd like to...
PR Buyers Beware!
It can bite you and waste your public relations budget when the program emphasizes communications tactics instead of how to make certain your key outside audiences understand who and what you are.
Especially sad when tactics are placed in...
The 11 Best Money Saving Ideas of All Time - Part 2
At any time in history, no matter what the current state of the economy, no matter what the current trends, no matter what the unemployment rate is or where interest rates lurk, some money-saving ideas stay true.
Some of you may have heard...
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Five Things Never To Tell Your Mortgage Lender When Facing Foreclosure
1. Never discuss your household finances over the phone with the collection department. What you don’t know is that you are being qualified and not know it. This is the easiest and fastest way to get a turn down. Request a homeowners assistance package so that you can submit the require information.
2. Never tell them you are broke. Even though you may qualify for a special forbearance or modification, you will still need legal fees and foreclosure cost. These fees cannot be put back into the loan. Your lender prepaid them to their attorney to start the foreclosure process.
3. Never tell them you do not live in the property. Under FHA guidelines, before you are granted any workout, you must reside in the property. If you have moved out and your property became an investment property, you better get someone in there with a lease or rental contract before the sale date.
4. Never tell them you are not working, in most cases you will not be approved. Depending on your sale date, your mortgage lender may not be able to qualify you for a special forbearance because of the amount of time left.
If you can’t find a job, I suggest you start a small business months before your sale
date, make some money, deposit your income and prepare a Profit and Loss Statement to prove income. Telling them you get paid cash and you can’t prove it won’t hold water.
5. Never tell them the reason you fell behind is because you mismanage your money. How do you expect for them to give you a workout when you still have the potential of falling behind again?
Copyright, Bobby Johnson-2004, All right reserved
Bobby Johnson is a Comprehensive Financial Planner who speaks on the topic “How to Eliminate Debt and Build Wealth”, “How To Get Triple AAA Credit with The Help From The IRS.” “ How Business Owners Can Save Their Business Without Filing Bankruptcy” he is the author of “Four Hours to Financial Freedom” and “Attract More Clients, Win Back Pass Customers & Make More Money”. Bobby has saved homeowners millions by not filing Chapter 13 and exposing the secrets used by mortgage lenders title in his latest book “ How To Save Your Home From Foreclosure and Not Lose Your Mind” Http://www.foreclosuremanual.ieasysite.com. You may reach him by email: bjohn54928@aol.com.
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