secrets of a successful business pitch

... 1989 and VA-guaranteed mortgages originated beforeAugust 1988 contain no due-on-sale provision accel-Assumable with Qualification A mortgage without a due- on- sale clause is known as a assumable” ... using a land contract is the uncertainty of the parties’ legal rights A few states have specific enumerated rulesfor taking back a property in default of a land contract For example,Texas law requires ... most of these costs, allowing you to offer a seller more cashdown (and thus a higher chance of having your offer accepted) Faster Closing An owner - financed transaction can close in a matter of

Ngày tải lên: 20/06/2014, 19:20

... reinstate loan Trang 7Option to Purchase Real Estate [Buyer-Slanted] Wrap Around Mortgage [or Deed of Trust] Rider Installment Land Contract Subordination Agreement Trang 8144 A PPENDIX CTrang ... Could Have Saved $1,000 and Made a Bundle Trang 3A P P E N D I X A Interest Payments Chart Trang 4140 A PPENDIX AInterest Rate Chart Monthly Payment per $1,000 Borrowed Interest Rate % 15-Year Term ... to one year if the sale does not bring at least 2/3 of the property’s value agreement provides for less Borrower can reinstate within 30 days of default Maryland Deed of Trust Power of Sale with

Ngày tải lên: 20/06/2014, 19:20

... excess may be applied to any late charges due Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note Any application of payments, insurance proceeds, ... Lender and renewals of such policies shall be subject to Lender’s right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional ... Mortgage Insurance If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance,

Ngày tải lên: 20/06/2014, 19:20

... collateral A credit card is an example of a loan without collateral Also known as a “signature” loan VA loan A long-term, low-down-payment or no-down-payment loan, guaranteed by the Department ... deed of trust See wraparound mortgage ALTA American Land Title Association amortize To reduce a debt by regular payments of both principal and interest appraised value The value of a property ... to satisfy a lien Trang 4against it About half of the states use a “mortgage foreclosure” that is a lawsuit in court About half use a “power of sale” proceeding that is dictated by a deed of

Ngày tải lên: 20/06/2014, 19:20

... king A well-designed suit can make a man look successful, sophisticated, and chic A pinstripe, a favorite of lawyers and investment bankers, can make a small man look tall or a chunky man look ... York, Alfani (Macy’s label) tuxedos: John Varvatos Star, Armani, Joseph Abboud (Most of the men’s designers make a tuxedo.) WoMen high end: Armani, St John, Hugo Boss, Dana Buchman, Landry midrange: ... you can wear a larger pearl bead if you want to look more contemporary Also beware of pearls that are too tiny, because they can date you If you are on the other side of fifty, you might want

Ngày tải lên: 21/06/2014, 03:20

... slim hips and gorgeous gams Apple-shaped men can wear casual shirts under sweaters that are not tucked in at the waist and pants without pleats to create a seamless, smooth look Trang 2Use a medium-width ... beautiful in our own way! common myths About Body size The National Association to Advance Fat Acceptance (NAAFA) believes that people should be able to live large without being discriminated against ... disorders are a woman’s problem. Fact: Eating disorders affect many people regardless of gender, race, ethnicity, age, class, or sexual orientation All types of eat-ing disorders affect men as well as

Ngày tải lên: 21/06/2014, 03:20

... not necessary to make reservations for lunch or breakfast 14. I like to arrive “fashionably late” to a dinner party 15. I always send a thank-you note after being taken out to a restaurant 16. ... hungrily awaiting your arrival invita-15. True Always send a thank-you note after being taken out to a restaurant, whether it is handwritten or an e-mail 16. False It is rude to text or speak on a ... comfortable in almost any situation, whether you are at your office holiday party, hav-ing dinner with a friend, or on a business trip abroad Trang 10A Party where You don’t know AnyoneWe’ve all

Ngày tải lên: 21/06/2014, 03:20

... nothing at all than to hem and haw like a teenager Trang 3Bad grammar.Y Bad grammar, like bad spelling, can make you appear, well, dumb, so bone up on your grammar by reading more and paying attention ... Trang 1Nasal talkers.Y Studies have shown that most people are annoyed by those who have a nasal quality to their voices and sound as if they have a perpetual cold Nasal speakers come off as ... use and read-Words To aVoidThe following words and phrases are some of my favorites: The following words and phrases are not a part of my regular business vocabulary: afraid bad luck blame can’t

Ngày tải lên: 21/06/2014, 03:20

... you have made contact, you are displaying your fears of abandon-ment Shake a few times, and then break Too many rings Y Be careful not to wear too many large rings when you are shaking hands ... way, you are ready for a fight the 10 Percent rule I learned about the 10 percent rule when I was a real estate agent It was said that agents lose a certain percentage of sales, no matter how ... this already, but women shouldn’t be afraid of having a firm (not bone-crushing) hand-shake, especially with male colleagues (See “What Your Hand-shake Says About You,” later in this chapter.)

Ngày tải lên: 21/06/2014, 03:20

... to make as much as possible, because the recruiter will take a percentage of your annual salary at the new job as a fee That said, it is also important to recruiters not to offer a candidate ... amount that is acceptable to you If the salary offered is below what you want, be ready to walk away from the offer if you Trang 7intend to negotiate for a higher salary If you really want or need ... employers as well, especially Always be yourself If you are turned down for a job what you learned from them. Make eye contact, and have a strong handshake. help you fix any negative body language and

Ngày tải lên: 21/06/2014, 03:20

... More (magazine), 12 Nail care, 51, 182 Names, appropriate use of, 103, 122 Napkin, proper placement of, 108 Nasal talkers, 124 National Association to Advance Fat Acceptance (NAAFA), 62 Navy blue, ... 59–61, 156, 159–61 Age, concerns about, 16–19 Alcohol at business meals, 107 Alessandra, Tony, 72 Allstate Insurance Company, xiii American dining style, 107 Anderson, Pamela, 69 Anna’s Better Networking ... Tips, 96–98 Anna’s Business Image Tips, 74–77 Anna’s Designer Shopping List, 35 Anna’s Reality Checks clothes and age, 17 easier presentations, 7–8 tailoring clothes, 58 Anna’s Social-Image Tips,

Ngày tải lên: 21/06/2014, 03:20

... Have them pay attention to your body language, your facial expressions, and the. .. Fe ars !    5 You can also read books and listen to educational tapes while you are in your car, at ... transformation process now! It s easier and less daunting if you make one small change at a time, rather than attempting a total overhaul down the road If you use any of the ... because they are afraid of the unknown Only when a situation becomes too painful are people motivated to make a change Don’t wait for your life to become unbearable Begin your transformation

Ngày tải lên: 21/06/2014, 03:20

... or a marketanalysis prepared by a real estate agent • Copies of existing leases or information of rental value of ilar properties sim-Watch What You Say on NI V Loans Just because you don’t have ... value of the bond as collat-eral Although the present value may be less, the very idea of a bond as additional collateral sounds safe Furthermore, bonds can be used in lieu of a down payment Example: ... with a privatemotivated seller, an owner-carry offer that is cross -collateralized withU.S Treasury bonds sounds appealing When making an offer to aseller with owner financing, offer the face value

Ngày tải lên: 21/06/2014, 07:20

... exchange for principaland interest payments, lack of management, and future appreciation.Essentially, the note and mortgage documents read the same as a stan-dard note and mortgage, except that ... Sublease A sublease is a lease by a tenant to another person, a subtenant, of a part of the premises held by the tenant under a lease The subleasecan be for part of the premises or part of the ... To take advantage of appreciation in a hot real estate market, an investor can use a long-term option to purchase property • To induce timely rental payments, a landlord can offer the ant an option

Ngày tải lên: 21/06/2014, 07:20

... can air out as much as possible, or have a “smok-ing jacket,” an article of clothing that you wear while smoking and leave in the closet afterward And go easy on the fragrances Many people are ... last man or woman standing is another example of a grandstanding ploy that will backfire Remember, it is just as important to be con-sidered a team player and to have the respect of your colleagues ... manufacture a reason to be the center of attention If this sounds like you, heed the advice of any savvy elementary-school kid, and save the drama for your mama! Trang 4when It’s time to change

Ngày tải lên: 21/06/2014, 13:20

... year as a percentage of sales If the tax paid was 10% of your sales then put 10% of your sales into a separate account that returns high interest If your business has had a significant increase ... competitive advantage, reducing a sales person may cause that advantage to be lost Trang 8Strategy 4 : Manage your debtors A sale isn’t a sale until the money is in the bank A well managed debtors ... example, a retailer increased the amount of stock on hand and sales increased dramatically when customers saw the availability of products This is more the exception than the norm Generally, businesses

Ngày tải lên: 27/06/2014, 17:20

... company and yourself Think of these goals as weekly or monthly goals; goals that can be accomplished in a timely fashion • Long-Term Goals: Very similar to the vision Long-term goals are vital ... such a field • Lastly, make sure you introduce yourself Provide a short description of who you are, your academic and professional background, and what brought you into the field Trang 82 ... benefit of your company and your investors, you want to create financial and lifestyle decisions that can reason how you will succeed at your short-term and long-term goals There is really not

Ngày tải lên: 30/11/2015, 10:40

... avatars knowthat you’re busy The camera angle will also change so you are facing your avatar, readyfor you to view any changes you make.Changing your appearance in Second Life is quick and easy ... in certain ways, enabling you to easily sit on a chair or lie on a bed, etc They can also allow you to teract with other avatars, letting you dance with a partner on in-an adjacent poseball or ... SEARCH menu avatar there Once you’re safe in a mature sandbox where you won’t be offending anyone, right-click on your avatar and select APPEARANCE This will bring up a window with a wholearray

Ngày tải lên: 26/03/2018, 16:26

... retire 54. If you are setting up a new IRA, make it a Roth IRA It is rarely advantageous, however, to roll a traditional IRA into a Roth IRA As soon as you do, all your earnings and tax-deductible ... your saving process One way is to have your paychecks deposited automatically into a checking account and then have your bank automatically transfer a set amount each month into your savings account ... even late starts can make a difference of tens of thousands of dollars – maybe hundreds of thousands – and a better-funded retirement 50. Buy your retirement residence as early as you can – even

Ngày tải lên: 01/06/2019, 22:33

... Contract Cooperative Society (ULCCS) The history of renaissance in Malabar cannot omit the name of Vagbhatananda Born into an Ezhava family in 1884 in Thalassery (Kannur), Vagbhatananda was deeply ... the teachings of Sree Narayana Guru, an Ezhava social reformer and Siva Yogi who was informed by a rationalist outlook In 1917 he initiated Atma Vidhya Sangham (AVS) at Karakkad, Calicut The attempt ... Century Malabar : Vagbhadananda and the Atma Vidya Sangham” (M.Phil diss., Jawaharlal Nehru University, 2012), 56 Trang 4It is in this context, Vagbhatananda suggested the formation of cooperative

Ngày tải lên: 09/02/2021, 13:59