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A Review of "The Five Keys to Building Relationships Online"
If you are a practitioner of business networking, you know that you can only connect with so many people at each event. But, what if you had the opportunity to connect with 20 new potential clients every day? How about 50 or even 100? With the...
Steer Your Career in the Right Direction - Home
You are on your way home from work. You are relieved, happy, confident. Because you just told your boss you are not coming back. The ride home with the traffic surrounding you doesn't bother you one bit. Because you won't have to do it ever...
Tap Into Larger Profits With Your Promotion
The Promotion of your business is NOT about your business. It is NOT merely an announcement that your business exists. It is NOT simply about attracting new customers. And it is NOT your greatest source of generating profits. Promotion IS,...
The Most Important PR In America
Just happens to be public relations activity that alters individual perceptions leading directly to changed behaviors. PR pulls that off by persuading a manager’s key outside audiences with the greatest behavior impacts on the organization,...
The Top 10 The Top Ten Signs That Your Marketing Message Needs a Facelift
Is your marketing plan dull, flat, and downright boring? Is it lacking the zest and appeal which can penetrate the consciousness of your buyers? If so, you may be driving away folks who could easily buy your products or services. If so, these...
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Get that low APR mortgage fast!
Getting a mortgage is easier nowadays than it has ever been, although there are still one or two pointers you should always bear in mind when applying for a loan. Firstly, keep an eye on general interest rates - what you need to remember is that simply having a low rate does NOT make a bigger loan more 'affordable', you still have to pay off the money somehow at the end of the loan, and in these low-inflation times, a big loan now will still be a big loan in 20 years time! This is why 'interest only' loans (loans that do not require you to repay any of the capital each month) are maybe not such a great idea anymore.
Interest rates tend to follow an inverse relationship to Wall street - when the stock market is rising, interest rates tend to fall and vice versa. This is because investors are always looking for the best return on their investments. If you keep an eye on the Fed rate, and the rates offered by the big Savings and Loans, you won't go far wrong. Key to understanding interest rates is the concept of 'APR' or 'Annual Percentage Rate'. This is a figure used to compare loans from different lenders on a 'fair' basis, because most loans nowadays have different conditions and extras attached to them that have a direct monetary value.
In the USA and elsewhere, mortgage companies must disclose the APR when they advertise a loan rate. This shows the true cost of the loan to the borrower, expressed simply as an effective yearly rate. It basically stops lenders from hiding fees and front-loaded costs behind the small print of what appears to be a low interest rate. Here's a simple example. Say you borrow $100 for a year at 5% interest (i.e. you will owe $105 at the end of the year). Say you also have to pay a $5 'introduction'
fee, and your total cost to borrow the money will then be $10. What this means is that the APR is actually 10%, even though the advert that drew you to the loan in the first place may have legitimately quoted '5%' elsewhere. The APR, however, must admit that the real rate is equivalent to 10%.
Having decided on the loan you want, your next step is to meet with the lender. Nowadays, most people prefer to meet with the mortgage company before starting the hunt for a house because by 'pre-qualifying' like this, you become more attractive as a buyer. The seller will know you are a serious buyer because you already have your finance in place, and can thus probably move quickly if a deal is struck. It also means you only go see houses in the right price range - nothing hurts more than finding a dream home then failing to get a loan for it due to the size of loan required.
When you meet the lender, always remember to ask what kind of 'lock in' deals they are offering. A lock in, also called a rate lock or rate commitment, means the lender will hold a quoted interest rate and a certain number of points for you while your loan application is being processed. Some lenders allow you to lock in the interest rate and number of points you'll be charged when you file your application, some do it during processing of the loan, while others prefer to do it when the loan is approved, or later.
And now all you have to do is find that dream house!
About the Author
Mr Teddings is an independent advisor who writes mortgage articles for a number of publications, including www.mortgagedown.com the free site dedicated to showing YOU how to get those mortgages payments down, as fast as possible.
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PR.com: Directory of Businesses Jobs Press Releases Products ... |
Comprehensive Directory of Businesses, Jobs, Products, Services, Press Releases, News, & Articles in all Industries. Promote your business. FREE. |
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PR Newswire - news distribution, targeting and monitoring |
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PR Week Magazine |
News and features about the public relations industry, with links to US, UK, Asian, and German editions. |
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Public relations - Wikipedia, the free encyclopedia |
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Puerto Rico - Wikipedia, the free encyclopedia |
Hyperlinked encyclopedia article covers the country's history, government and politics, geography, economy, demographics, language and culture. |
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The Public Relations Society of America (PRSA) |
Largest professional organization of public relations specialists representing business, consulting firms, government, associations, schools, ... |
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CIA - The World Factbook -- Puerto Rico |
Profile of Puerto Rico by the Central Intelligence Agency (CIA). |
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Center for Media and Democracy - Publishers of PR Watch |
A nonprofit, public interest organization dedicated to investigative reporting on the public relations industry. |
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Puerto Rico Vacations | Puerto Rico Tourism Company | Puerto Rico ... |
Puerto Rico Tourism Company Official site includes nightlife, area sports, culture, and travel information. |
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PR: See what people are saying right now on Technorati |
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Edelman |
Full service global public relations firm. Includes company profile, management team, practice areas, industries served, case histories, client listings, ... |
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LEWIS PR - global public relations |
LEWIS PR is a global public relations consultancy working with leading and emerging brands and delivering predictable results tied tightly to client goals. |
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IANA | .pr - Puerto Rico |
University of Puerto Rico Gauss Laboratory Facundo Bueso Building Office 265 ... Puerto Rico Email: tech@uprr.pr Voice: +787 765 3263 Fax: +787 754 0757 ... |
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Online Public Relations Home Page |
Free online resource for public relations professionals. |
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Chartered Institute of Public Relations, CIPR, the professional ... |
The CIPR is the professional body for the UK public relations industry, providing PR training and events, PR news and research, and a PR jobs board. |
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PR News Online — Trusted Source for Public Relations News, PR ... |
The latest news on public relations delivered FREE right to your inbox. ... Psycho-Geometrics Help You Know What 'Shape' Your PR Team's Personality Is In ... |
www.prnewsonline.com |
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O'Dwyer's Public Relations News - odwyerpr.com |
Features breaking news about the public relations industry, a database of PR firms, listing of PR service firms, client search tool and job postings. |
www.odwyerpr.com |
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PR News Online — Trusted Source for Public Relations News, PR ... |
E-letter. The latest news on public relations delivered FREE right to your inbox. ... Share ideas with your peers in PR News' just-launched Forum ... |
www.prandmarketing.com |
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Linux PR: |
Comprehensive Press Release and Public Relations resource for the Linux community. |
www.linuxpr.com |
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Escape to Puerto Rico - Your Internet Guide to Puerto Rico |
Internet guide to everything Puerto Rico. Offers lots of photos, accommodations and travel information from around the Island. |
escape.topuertorico.com |
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