secrets of a successful marriage ao3

... 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 who ... at these difficult questions as an opportunity to put a good spin on a bad experience, so talk about what you learned from it and how it helped you grow as a professional. anna’s Tips For successFul ... know that a candidate is excited about a job and will be happy coming to work each day. Quick‑fix change: If you are going for a job that you really want, show it in your voice and demeanor.

Ngày tải lên: 21/06/2014, 03:20

... Ferragamo Ferragamo John Varvatos Michael Kors Coach Coach [...]... Checks clothes and age, 17 easier presentations, 7–8 tailoring clothes, 58 Anna’s Social -Image Tips, 109–14 Anna’s Tips for Successful ... 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 ... placement of, 108 Nasal talkers, 124  Inde x National Association to Advance Fat Acceptance... triangle shape, 55 Gates, Bill, 2 General Electric, xiii Germany, 114–15 Ginis, Kathleen Martin, 65–66

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

... / Understanding the Mortgage... Veterans Affairs The Department of Veterans Affairs (VA) guarantees certain loan programs for eligible veterans As an occupant, an eligible veteran can borrow ... insurance escrows, dealing... “preapproval” of a loan Preapproval is really a half-baked commitment Until a loan is approved in writing, the bank has no legal commitment to fund And, in many ... a wide variety of loan programs He or she also may have knowledge of how to present your loan application to different lenders for approval Some mortgage bankers also broker loans As an

Ngày tải lên: 21/06/2014, 07:20

... recent tax returns, pay stubs, and W-2s ( if applica- ble ) • Recent appraisal of the property if you have one, or a market analysis prepared by a real estate agent • Copies of existing leases ... owner-carry offer that is cross-collateralized with U.S. Treasury bonds sounds appealing. When making an offer to a seller with owner financing, offer the face value of the bond as collat- eral. Although ... on a condominium auctioned by the Department of Veterans Affairs ( VA ) . I made the bid in the name of a corporation rather than my individual name. I was assured by my mortgage broker that

Ngày tải lên: 21/06/2014, 07:20

... certain the lease payments are for fair market rent, and that the lease arrangement is typical of the area and the intended use • Have reasons (other than tax avoidance) for the transaction and ... mortgage has a payoff that is based on a formula that relates to the increase in value of the property. Shared equity mortgages ( AKA shared appreciation mortgages or participation mortgages ) ... FINA NCING SECRETS OF A MILLIONAIRE REAL ESTATE IN VESTOR age real estate is an effective alternative to bank financing when future real estate values are uncertain Lease

Ngày tải lên: 21/06/2014, 07:20

... How Bankers Make Money Actually, it’s not a secret at all In fact,... mortgage and a land contract As far as the payments go, a wraparound is a concept that refers to collecting a payment ... your cash. You can also take advan- tage of favorable interest rates because an owner-occupied loan is likely to have a lower interest rate than if you originated an investor loan. You can also ... you can use the land contract to “assume” VA loans that are not really as- sumable! Keep in mind that while a land contract may not trigger the due-on-sale on a VA-guaranteed loan, it does not

Ngày tải lên: 21/06/2014, 07:20

... very easy for the average person to grasp. Hindsight is always twenty-twenty, but take away an important lesson here: The more you learn, the more you earn! FIGURE 10.1 How I Could Have Saved ... be at $1,000 per month, I would have $177 per month in cash flow. Furthermore, by staying in the middle of the deal, I would collect one single monthly payment from the buyer, a concept that ... purchase price at $155,000 and $15,000 down, I could carry $140,000 at 9.5 percent, which is $1,177 per month. See Figure 10.1. Because the payments on the underlying first and second mort- gages

Ngày tải lên: 21/06/2014, 07:20

... 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 of Veterans Affairs, that is offered ... formula, such as an appraisal at a later time. Also referred to as a “lease purchase.” lease purchase Often used interchangeably with the expression “lease option,” but technically it means a ... satisfy a lien 182 GLOSSARY against 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: 21/06/2014, 07:20

... clothes and hair aren’t the stars; you are! Be careful not to create what I call a visual assault Examples of visual assaults include... Most sharks are never happy, because they are always ... 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 by a bunch ... 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. 56 CHANGE

Ngày tải lên: 21/06/2014, 13:20

... “Hey, that’s my water glass,” or would you discreetly call the waiter over and say, “May I have another water glass, please”? Many people are afraid of making a social faux pas but do ... 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! WHAT KIND OF COLLEAGUE ARE ... clothes 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

Ngày tải lên: 21/06/2014, 13:20

... important factor in arriving at first impressions The participants included Caucasians, A ­ frican-Americans, Latinos, and Asians between the ages of 20 and 60 As expected, clothes and ... you, and use it. Europeans also eat salads and cheese after their entrée. European portions tend to be smaller than Americans are used to, so don’t complain to the waiter at a French restaurant ... 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.

Ngày tải lên: 21/06/2014, 13:20

... 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 who ... at these difficult questions as an opportunity to put a good spin on a bad experience, so talk about what you learned from it and how it helped you grow as a professional. anna’s Tips For successFul ... know that a candidate is excited about a job and will be happy coming to work each day. Quick‑fix change: If you are going for a job that you really want, show it in your voice and demeanor.

Ngày tải lên: 21/06/2014, 13:20

... top #### About the author From a family of educators, Rosey Conway has a sales training and management career that has spanned over 2 decades. Rosey has trained thousands of sales people and has helped ... approached a task, or the way we was handled it, over what was actually achieved. Have a read of some endorsements, recommendations and testimonials that are given on LinkedIn - the vast majority ... that a negative critical mass / breaking point will eventually occur, and probably negatively impact important areas in your life. Life is about balance and having a successful attitude means...

Ngày tải lên: 18/03/2014, 03:20

... chúng ta đặt ch a kh a xuống trong khi đang nghĩ đến chuyện khác. Chúng ta đang v a tự hỏi xem phải mang theo thứ gì v a triền miên suy nghĩ về điều đang băn khoăn. Chúng ta đã để ch a kh a trên ... thoại reo vang. Michelle đi nghe điện thoại. Cô bắt đầu độc thoại về anh trai c a mình một cách say s a. Anh ấy v a đi công tác về và đi quên mua cho cô ấy chiếc máy fax như đã h a. Không để ... nhóm có cùng đặc điểm như sau: Sản phẩm làm từ s a: s a, s a chua, bơ (ba sản phẩm). Rau quả: cà chua, ớt, cà rốt (ba sản phẩm). Thịt: bánh hamburger, lườn gà (hai sản phẩm). Một đồng nghiệp...

Ngày tải lên: 07/04/2014, 16:44

... parts are the bags from individual of- fices. In my first garbage heist, one banker was Japanese - he was throwing out a Japanese newspaper and a Japanese candy wrapper in addition to his bank-related ... popular image of the hacker is that of a pirate. Oceanographic and piracy metaphors are equally as common in cyberculture as ones about lawless frontiers and modem-totin' cowboys and cowgirls. ... bin behind a bank. Bank bags, by the way, are stapled shut with a paper receipt that tells the name of the bank, and the time and date of disposal of the bag. The trash within is of two types....

Ngày tải lên: 01/06/2014, 12:54

... 8 FINANCING SECRETS OF A MILLIONAIRE REAL ESTATE INVESTOR Appraisals on income properties are done in a variety of ways, one of which is the “income” approach. The income approach looks at the ... Sales of comparable properties are the general benchmark for value. Appraisers look not just at housing sale prices of comparable houses, but also at the financing associated with the sales of these ... learned an important les- son a little knowledge can be dangerous. I decided then to become a master at real estate finance. Financing has traditionally been, and will always be, an integral part...

Ngày tải lên: 20/06/2014, 19:20

... over ( known as “funding” a loan ) . Note that many lend- ers will give “preapproval” of a loan. Preapproval is really a half-baked commitment. Until a loan is approved in writing, the bank has no legal ... consumers assume that “mortgage companies” are banks that lend their own money. In fact, a company that you deal with may be either a mortgage banker or a mortgage broker. A mortgage banker is a direct ... 16 FINANCING SECRETS OF A MILLIONAIRE REAL ESTATE INVESTOR In addition, the county, city, and/or state may assess a transfer tax based on either the value of the property or the mortgage amount. A...

Ngày tải lên: 20/06/2014, 19:20

... in- come approach. Market data approach. The market data approach is the most commonly used formula for single-family homes, condominiums, and small apartments. Basically, a licensed appraiser ... a high LTV and/or negative cash flow on the property and housing prices fall, you are in for a world of financial hurt. 58 FINANCING SECRETS OF A MILLIONAIRE REAL ESTATE INVESTOR basically a ... purchase price is inflated. The lenders are acting mostly out of irrational fear because of a recent barrage of real estate scams reported in the newspapers. Property flipping scams. There has...

Ngày tải lên: 20/06/2014, 19:20

... your cash. You can also take advan- tage of favorable interest rates because an owner-occupied loan is likely to have a lower interest rate than if you originated an investor loan. You can also ... $70,000 loan. Assumable Mortgages Some mortgages are assumable, that is, they can be taken over by a new borrower. Many people are familiar with the concept of an assumable mortgage, but few really ... the property a little below market price and sold it a little above market price. A new owner-carry loan at a higher interest rate was created that wrapped around the existing loan. In a wrap transaction,...

Ngày tải lên: 20/06/2014, 19:20