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    Owning Your California Home
    How do most citizens of the Golden State afford homes in a state where housing prices are increasing every year? Many Californians are choosing something called an Interest Only Loan. What is an Interest Only Loan? An Interest Only Loan is a loan that allows the consumer the option to pay only interest for the first few years or a select time period of their mortgage. At the end of this period, the loan reverts back to a fully amortized loan. This program is designed to lower the initial payments for the first few payment years for the consumer in
    get rid of the excess baggage by asking yourself a series of questions and by completing the following exercises.

    In effect, what we will be doing is making certain tasks “complete”, drawing a line under them and moving on.

    The following set of activities

    HTML Links In Plain English
    HTML links. The heart and soul of web pages. Without links it would be impossible for a visitor to get from one web page to another, meaning that without HTML links, web pages would be pretty worthless.Everyone at one time or another, has received an email and inside of it they see something that says "click on me" and then when they do they are transferred from the email they received to some web site. What they clicked on was a link. Most email programs allow for HTML or at the very least, links, so that a person can get from their ema
    Most of us carry around a lot of “STUFF” that keep us from being the people we want to be and reaching the goals we want to reach.

    This “STUFF” can take the form of all the things that we say we should do but don’t, the people in our lives that we have had a disagreement with and now are not speaking to, even though we both want to, all the “could haves” and “should haves” in our lives that now hold us back. Like the junk in your basement this is all the stuff that you need to let go of, but you don’t.

    By holding on to all this stuff we use up a lot of emotional stress that we could be doing without and focusing that energy on something much more productive and rewarding instead!

    So, is it time for your emotional yard sale?

    If so, then let’s get started and watch the positive influence it will have.

    Watch out though, you will probably find that you have more energy, greater confidence and self esteem, and in general a happier more productive life.

    Getting ready for your sale

    Take a long hard look at your life and get rid of the excess baggage by asking yourself a series of questions and by completing the following exercises.

    In effect, what we will be doing is making certain tasks “complete”, drawing a line under them and moving on.

    The following set of activities

    How to Get Hired by Being Obvious
    If you want a drink of water, do you hire a focus group or pick up the Yellow Pages? No. You go to the kitchen, fill a glass and drink. You take the shortest route to fill your need.The path is obvious, right?Your job search is the same way. The formula for success can be obvious, if you take the time to look at how others have found employment before you.Here are three ways to find work faster by "being obvious."Obvious Tip #1: Follow Up With EmployersYou can't get hired if employers don't know you exist.S
    reement with and now are not speaking to, even though we both want to, all the “could haves” and “should haves” in our lives that now hold us back. Like the junk in your basement this is all the stuff that you need to let go of, but you don’t.

    By holding on to all this stuff we use up a lot of emotional stress that we could be doing without and focusing that energy on something much more productive and rewarding instead!

    So, is it time for your emotional yard sale?

    If so, then let’s get started and watch the positive influence it will have.

    Watch out though, you will probably find that you have more energy, greater confidence and self esteem, and in general a happier more productive life.

    Getting ready for your sale

    Take a long hard look at your life and get rid of the excess baggage by asking yourself a series of questions and by completing the following exercises.

    In effect, what we will be doing is making certain tasks “complete”, drawing a line under them and moving on.

    The following set of activities

    Home Buyers Use 100% Financing
    Over the last decade, typical conventional lenders have been offering 100% financing to home buyers. This usually involves creating an 80% first trust deed and a 20% second trust deed. This further allows home buyers to purchase a home with no money down.To understand how this works, you will also need to understand two basic types of loans: Conforming and JumboConforming interest rates cover loan amounts up to $417,000. Jumbo loans amounts cover loans over $417,000. The differences between conforming and jumbo loans are usually
    all this stuff we use up a lot of emotional stress that we could be doing without and focusing that energy on something much more productive and rewarding instead!

    So, is it time for your emotional yard sale?

    If so, then let’s get started and watch the positive influence it will have.

    Watch out though, you will probably find that you have more energy, greater confidence and self esteem, and in general a happier more productive life.

    Getting ready for your sale

    Take a long hard look at your life and get rid of the excess baggage by asking yourself a series of questions and by completing the following exercises.

    In effect, what we will be doing is making certain tasks “complete”, drawing a line under them and moving on.

    The following set of activities

    Networking Success Strategies
    Using networking as a sales and marketing tool is the most effective way to promote your product or service. The unfortunate reality is many simply can’t network effectively and often times end up standing around with a group of people they already know and leave an event with no new contacts. The good news is networking is a skill that can be learned.There are many organizations which can provide excellent networking opportunities for a business. However, the key to attending networking events is planning ahead and maximizing the opportun
    ve influence it will have.

    Watch out though, you will probably find that you have more energy, greater confidence and self esteem, and in general a happier more productive life.

    Getting ready for your sale

    Take a long hard look at your life and get rid of the excess baggage by asking yourself a series of questions and by completing the following exercises.

    In effect, what we will be doing is making certain tasks “complete”, drawing a line under them and moving on.

    The following set of activities

    How to Read a Good Faith Estimate
    When applying for a mortgage loan, you will receive a Good Faith Estimate (GFE) from each lender you apply with. This is your tool to compare fees and make an informed decision. Here are some tips to help you accurately read the form:Points and Lender FeesNear the top of the quote, you will find charges specific to the lender, i.e. origination points, processing fees, credit fees, etc. This is a good place to compare your lenders. If lenders are offering you the same rate, the one with the lowest charges in this area is often t
    get rid of the excess baggage by asking yourself a series of questions and by completing the following exercises.

    In effect, what we will be doing is making certain tasks “complete”, drawing a line under them and moving on.

    The following set of activities can be done in one sitting or over a number of hours/days. The only rules are, once you start you have to finish and sooner is better than later.

    The act of writing the answers down is very powerful. It helps you to form a stronger commitment to the actions you will take. So resist the temptation to short cut the process by making it a mental exercise only.

    Now let’s get to it and watch your life change in wondrous ways!

    Step one: Collect the junk you don’t need or want!

    • Make a list of 10 things that you are putting up with at home

    • Make a list of 10 things that you are putting up with at work

    • Make a list of 10 things that you are putting up with in any other area of your life

    • Make an action plan to get rid of these things that you have been putting up with. Be specific about your actions and set time limits for when to complete them

    Step two: Dealing with all those unfinished projects!

    • Make a list of things that are unresolved/unfinished in your life

    • Make an action plan of

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