Workplace manners do matter! Many studies have shown that workplace incivilities create tension and stress in all types of office settings. Business etiquette encompasses much more than saying “please...
Global financial institutions are faced with a growing need to “know” – clarify and authenticate – their customers, to prevent fraud losses, the funding of terrorism, money laundering, and tax evasion...
California real estate investing is a challenging market for seasoned investors, let alone those new to the practice. The Golden State has been in a downhill spiral of foreclosure acquisitions since t...
There are a lot of financial companies these days that have considerably increased the amount that they charge on interest rates of mortgages. Most people that are looking to take out a mortgage for t...
Not too long ago, I was trying to convince a junior staff member to always script his meetings. He felt that the meeting should develop on its own. That an organic and free technique was fairer and mo...
Discounting Paper I get repeatedly asked how to discount paper. Many people think this is some magical system used to discount a observe or mortgage to a specific provide, but really it is quite simpl...
The success of a buy-to-let character investment business is a well defined character Investment Plan by visualizing and quantifying the end goal (bigger picture) in real-life assessable detail and to...
An alienation clause in a mortgage contract gives the lender certain stated rights when there is a move of ownership in the character. It may also be referred to as a due on sale clause. This is desig...
Most individuals who own homes consider completing a home improvement project at the minimum once throughout their home ownership, but it is not always as simple as purchasing the materials and gettin...
The Fair Market Value of a observe is Less than its Cost Investors Beware The Fair Market Value (FMV) of most promissory and mortgage notes is less than their unpaid balances, their cost, or their con...
Good afternoon! Today, I’m going to make a lot of people angry. I need you to understand that it is not my intent or focus to upset anyone. My intent and focus, my mission, is to educate and help peop...
Basics The escrow company usually serves as a neutral intermediary between all the parties involved in a real estate or mortgage transaction. These parties can include: lenders brokers insurance agent...
