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Adverse credit homeowner loans - braving the difficult winds of adverse credit.
When my wife was enquiring me about the progress of the
homeowner loan that we were planning to take, my six year old
said something that put me to deep thought. The subject was the
constant refusals by a large number of loan providers because...
Debt Elimination 1
If you have multiple debts, you may well be wishing you had a debt elimination wand to wave and make all the debts disappear. You would probably wish even harder for that magic wand if you were falling behind with, or at least struggling hard to...
Getting the most from appraisals - from both sides
Does your organisation have one of those annual ‘occasions’ that few look forward to: the annual appraisal or performance review? How do you look forward to it? I wonder how people talk about it before and after? Are appraisals worth doing? If...
How To Improve Your Negotiating Skills
Negotiation will be an important area for every homebased business owner, especially in lease purchasing. Whether you're dealing with suppliers, employees, or prospective clients, you're negotiating. The following tips will help you to negotiate...
Negotiating A Short Sale – The High Road to Huge Foreclosure Profits
Buying foreclosures can be extremely profitable for real estate investors. However, most of these homeowners are mortgaged to the hilt. They have no equity, and big loan payments. In fact, many actually owe more than the property is worth! Most...
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Online mortgage quote: Why You May Not Be Getting The Best Rate
While shopping online for online mortgage quote can be great in
terms of saving time and convenience, it won't necessarily get
you the best deals available. What you save depends to a great
extent on the way you negotiate with lenders for the online
mortgage quote. Like with any negotiation, you get the upper
hand when you are knowledgeable about how the industry works.
One of the main precautions to take on when looking for online
mortgage quotes is to ensure that the brokers you deal with
represent several different lending institutes and therefore can
offer you a good variety of options. Beware of brokers who are
merely lender agents in disguise. If a broker represents only
one bank or lender, there is a great likelihood that you will
not be offered the online mortgage quote that is most suitable
for your needs.
In devising consumer protection laws for online mortgage quotes
and increasing convenience, states have ultimately ended up
having an adverse impact on competition, apart from making
online mortgage costs higher than necessary.
Explaining The Costs Most states do not require online mortgage
businesses to have a brick and mortar presence. However about
one third of all states make this a mandatory requirement. Due
to this, the expenses increase. Laws of
this nature have
prevented mortgage brokers from being exclusively online and
offering much lower rates.
It is mostly the existing brick and mortar mortgage brokers who
are the blame for the laws in a bid to minimize competition. The
laws have also led to a multi-state licensing system due to
which national mortgage firms with a presence in all states get
an unfair online advantage over the competition. These companies
don't have to put in money into costly infrastructure apart from
enjoying lower transaction costs and can therefore offer lower
rates to consumers.
The Bottom Line The reality is that the online companies who
face compulsion to bear the costs of renting offices, employing
a workforce and infrastructure and equipment which they would
otherwise not require, choose to avoid doing business in that
particular state altogether.
The end result is that it is the consumer who is eventually at a
disadvantage. Their options are limited further for sources of
capital and the competition among lenders is also less intense.
About the author:
Paul Lerner enjoys writing about a variety of mortgage topics,
including advice on getting an online mortgage quote.
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Negotiation - Wikipedia, the free encyclopedia |
The first step in negotiation is to determine whether the situation is in fact a negotiation ... The book's approach, referred to as Principled Negotiation, ... |
en.wikipedia.org |
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Negotiation Seminars Negotiation Training Negotiations Consultants ... |
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Program on Negotiation at Harvard Law School |
Negotiation training, research, and publications from the world's foremost authority on negotiation and dispute resolution. |
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PON: Harvard Negotiations Project |
Please visit the Harvard Negotiation Project website for complete information and ... The Harvard Negotiation Project's mission is to improve the theory, ... |
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The Negotiation Skills Company, Inc. |
www.negotiationskills.com/ - 3k - Cached - Similar pages |
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Global Trade Negotiations Home Page |
The Global Trade Negotiations Home Page at the Center for International Development at Harvard University - a centralized information resource on global ... |
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Principled Negotiation |
Principled negotiation is the name given to the interest-based approach to negotiation set out in the best-known conflict resolution book, Getting to Yes, ... |
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Salary Negotiation and Job Offer Tutorial |
Job-seekers: Learn the basics (and advanced techniques) of the art and strategy of salary negotiation (getting the salary you want) in this tutorial. |
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Salary Negotiation and Job Offer Tutorial -- Map of the Tutorial |
Site map to an expert (and free) tutorial on the art and strategy of salary and job offer negotiation. A guide to assist every job-seeker with salaries. |
www.quintcareers.com |
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Win-Win Negotiation - How to reach a fair compromise - Negotiating ... |
This article and free worksheet help you negotiate fair compromises with people whose goodwill you need. It highlights the importance of good negotiation ... |
www.mindtools.com |
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negotiation journal |
www.springerlink.com/link.asp?id=102591 - Similar pages |
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Apache Content Negotiation |
Apache's support for content negotiation has been updated to meet the ... Apache 1.2 supports 'server driven' content negotiation, as defined in the ... |
httpd.apache.org |
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JobStar--Salary Negotiation Strategies |
JobStar is a public library sponsored guide to information for the job search. Sections useful for California are: 1500 job hotlines, calendar of job and ... |
jobstar.org |
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Eric C. Gould's Negotiation Site |
Subscribe to newsletter with negotiating tips and techniques. |
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free negotiation training for sales, debt, contract, salary ... |
Free negotiation skills training for sales, contracts, debt, salary and contracts, negotiating with creditors, negotiation skills and techniques, ... |
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Monster.com: The Negotiation Coach |
Salary Negotiation Advice from HR Managers · Negotiating Your Future Salary Today · Overlooking Their Interests -- A Big Mistake in Salary Negotiations ... |
midcareer.monster.com |
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Negotiation Articles |
Negotiation articles for the busy entrepreneur written by a diverse group of experts, speakers, professionals, consultants, and marketing companies. |
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CareerJournal | Negotiating Tips - Salary Negotiation Tips ... |
Salary Negotiation Tips - When it's time to negotiate salary changes, trust Career Journal to give you the best and most current career salary information. |
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PON Clearinghouse |
Welcome to the Program on Negotiation Clearinghouse, a resource center for people interested in learning and teaching about negotiation and alternative ... |
www.pon.org |
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:: Negotiations Affairs Department :: |
Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
www.nad-plo.org |
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