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A New Age Of Small-Unit Leadership
PERMISSION TO REPUBLISH: This article may be republished in newsletters and on web sites provided attribution is provided to the author, and it appears with the included copyright, resource box and live web site link. Email notice of intent to...
Four Reasons Why Small Businesses Succeed (or Fail)
The American system of business management has been admired and emulated around the world. This system is characteristic of two traits in the American psyche: (1) enthusiasm for the future and making things better, and (2) an openness and...
Staying Sane Survival Tips for Small Business Owners
Your lunchtime thoughts are comprised of brilliant marketing strategies and anxiety over bill payments. You’re the CEO, human resources director, janitor, and administrative assistant all wrapped up into one. You open the doors at dawn and lockup...
The Financial 'Killing Field'
Countless would-be stock and options traders enter the market each day with an almost messianic desire to make money trading -- only to exit in defeat, with large capital losses. For those who survive and become successful at trading, it usually is...
Working Capital: Financial options for small companies
Large companies have always had a number of options when it compes to financing their operations. This paper discusses - and evaluates - the financing options that are available to small business owners.
Disclaimer
This paper is...
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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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