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Casual Articles - Refinance Your Mortgage Rate - Unless You're a Woman
For over 20 years I have worked as an independent IT/Business consultant for some of the most prestigious organisations in the world including companies like Telstra, BHP, BMA Coal, Suncorp Metway and many many more. But it still astounds me, that there are still companies out in the market place, even to this day, that still don’t value the need for a Customer Database. In some cases, they don’t even
* what types of insurance do you have? Simply pull out a piece of paper and list all the insurance policies your family has. Identify each type of insurance (life, auto, home, etc.). Then do an online search on these insurance types and start reading. Look for informative articles, n
Do you clam up on the telephone? An advertising rep called the other day to sell some ad space in a local news magazine. After I said, "Hello," there was nothing but monotone dialog until I interrupted him a minute later. It sounded like he was reading a script... but he wasn't (I asked).When you make calls trying to sell your products or services to your prospects, don't forget to be yourself. H
This person never signs the check that goes out monthly to the mortgage company. Couldn't tell you what the mortgage balance is. Isn't sure what happens when the property taxes come due. And hasn't a clue about the homeowner's insurance (we have some, right?).
More often than not, this person is the woman. For some women, 'finances' is a dirty word.
If you are the woman in your household and you don't even know what the interest rate is on your mortgage, it's time to get involved. And here's why.
* You need to know for yourself where your food and shelter are coming from.
* You are a role model to your kids.
* You need to get financially educated so you can help YOUR mom when she needs you to.
* This world isn't heaven...when the unthinkable happens (and some version of it probably will), you need to be prepared as best as you can.
* You can't believe how good you'll feel when you learn to be in (better) control of your finances.
At this point you may be feeling overwhelmed. That's good! Because for many women, the feeling of overwhelm is a large part of what keeps them from getting involved with their family's finances. Now that you know that fact, you can do something about it. For starters...
* does your mortgage need refinancing? It won't take you much research to discover this one. Talk to your spouse or pull out your mortgage paperwork. What is the current rate? What type of mortgage do you have? Do a search online for 'mortgages rates' and you'll find a lot of information to get you started. Aim for learning enough to be able to have a reasonable conversation about the topic.
* what types of insurance do you have? Simply pull out a piece of paper and list all the insurance policies your family has. Identify each type of insurance (life, auto, home, etc.). Then do an online search on these insurance types and start reading. Look for informative articles, no
There are lots of places you can apply for a credit card. With the great competition in the credit card market, almost any credit card company is pushing their card offers almost anywhere. Especially at certain times of the year like Christmas time and other holiday shopping seasons or the first weeks of college and schools etc. They even attatch small treats if you fill in an application. Should you
More often than not, this person is the woman. For some women, 'finances' is a dirty word.
If you are the woman in your household and you don't even know what the interest rate is on your mortgage, it's time to get involved. And here's why.
* You need to know for yourself where your food and shelter are coming from.
* You are a role model to your kids.
* You need to get financially educated so you can help YOUR mom when she needs you to.
* This world isn't heaven...when the unthinkable happens (and some version of it probably will), you need to be prepared as best as you can.
* You can't believe how good you'll feel when you learn to be in (better) control of your finances.
At this point you may be feeling overwhelmed. That's good! Because for many women, the feeling of overwhelm is a large part of what keeps them from getting involved with their family's finances. Now that you know that fact, you can do something about it. For starters...
* does your mortgage need refinancing? It won't take you much research to discover this one. Talk to your spouse or pull out your mortgage paperwork. What is the current rate? What type of mortgage do you have? Do a search online for 'mortgages rates' and you'll find a lot of information to get you started. Aim for learning enough to be able to have a reasonable conversation about the topic.
* what types of insurance do you have? Simply pull out a piece of paper and list all the insurance policies your family has. Identify each type of insurance (life, auto, home, etc.). Then do an online search on these insurance types and start reading. Look for informative articles, n
In our industry, one of our jobs as design experts is to maneuver pitfalls that arise for our clients both experienced and inexperienced. There are four primary areas where we provide this kind of guidance to our clientele; strategy, conceptualization, layout and production. The funny thing is the most detail-oriented area, production, seems to be the one arena where many clients retain an overwhelming
* This world isn't heaven...when the unthinkable happens (and some version of it probably will), you need to be prepared as best as you can.
* You can't believe how good you'll feel when you learn to be in (better) control of your finances.
At this point you may be feeling overwhelmed. That's good! Because for many women, the feeling of overwhelm is a large part of what keeps them from getting involved with their family's finances. Now that you know that fact, you can do something about it. For starters...
* does your mortgage need refinancing? It won't take you much research to discover this one. Talk to your spouse or pull out your mortgage paperwork. What is the current rate? What type of mortgage do you have? Do a search online for 'mortgages rates' and you'll find a lot of information to get you started. Aim for learning enough to be able to have a reasonable conversation about the topic.
* what types of insurance do you have? Simply pull out a piece of paper and list all the insurance policies your family has. Identify each type of insurance (life, auto, home, etc.). Then do an online search on these insurance types and start reading. Look for informative articles, n
The internet’s potential is greater than any other single technological concept ever. The ability to push and pull data at high speeds while giving access to essentially everyone in the world is astonishing. Considering our race has been on this planet for a couple million years and only fifty years ago we still had to physically travel to purchase everything, or see something worth seeing, the only t
* does your mortgage need refinancing? It won't take you much research to discover this one. Talk to your spouse or pull out your mortgage paperwork. What is the current rate? What type of mortgage do you have? Do a search online for 'mortgages rates' and you'll find a lot of information to get you started. Aim for learning enough to be able to have a reasonable conversation about the topic.
* what types of insurance do you have? Simply pull out a piece of paper and list all the insurance policies your family has. Identify each type of insurance (life, auto, home, etc.). Then do an online search on these insurance types and start reading. Look for informative articles, n
Have you reached the end of your working life with the daunting prospect of money worries? So many people underestimate their living expenses and end up in some real financial difficulties during retirement. Retirement should be enjoyed and after a lifetime of hard work, the very last thing you want to do is to spend your days worrying about having enough money to last you to the end of your life – not
* what types of insurance do you have? Simply pull out a piece of paper and list all the insurance policies your family has. Identify each type of insurance (life, auto, home, etc.). Then do an online search on these insurance types and start reading. Look for informative articles, not insurance advertisements. If (when) you get confused, sit down with your spouse and ask questions. Or call up your insurance agent and make an appointment to talk. It's the agent's job to make sure you understand what you're paying for.
* do you have a household budget? For our discussion, you don't need to even worry if you are staying within your budget. Just play with the numbers and get comfortable knowing where your family's money is going. You are building awareness and understanding, not training to be an economics professor.
* do you have a will? How can you find out? Focus on asking questions one at a time and finding the answers to them. This will avoid a lot of overwhelm.
* go to the library and pick up a copy of any of Suze Orman's books. Read and absorb.
That's not so scary, is it?
Do yourself a huge favor and learn one or two new things each week about the financial world. It's a decision you will never regret and one that can have significant impact on the rest of your life as well as your family's life together.
Just take it one step at a time.
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