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Each one of us may face financial crisis in our life. I too have faced. I always wanted to own a home with a big beautiful garden.

I had been looking for it for a long time and one day I found it. However, there was one problem, I would say a major one, I couldn’t find any customer to sell my existing house so that I could finance the purchase of the new house. And I didn’t even have enough savings in my bank account to buy a new house. I was really credit rate apr low cards worried; I didn’t want to lose that new house at any cost. Thanks to “bridging loan”, it helped in fulfilling my dream. Let me introduce you to bridging loans and how they can help you in realizing your small dreams.Bridging Loans or “Bridge loans” are short term loans offered by lenders to cover the financial gap when buying one property before the existing one is sold. The word “bridge” indicates that the loan is designed to get you out of a temporary obstacle in times of urgent cash needs.Bridging loans work as a bridge to fill in the cash gap. The benefit of taking a bridging loan is that they can be arranged usually at short notice and within a few days.A borrower can be in the form of an individual or corporation. Borrowers can use the loan for any personal or financial purpose. An entrepreneur can use the loan to provide cash for a property transaction until permanent financing can be arranged. Bridging loan can be really helpful in case of auction as it offers bridging facility to borrowers so that a bid on a property can be done with assurance.Bridging loan is a secured loan. It requires a borrower to put a security against the loan. You can put a commercial property, semi-commercial property, development sites, auction properties, residential properties, retail shops or buy to let properties as a security against the loan.Bridging loan providers offer loan for any amount ranging from £25,000 to £5, 00,000. Usually, lenders allow loans up to 65% of the value of the property that is kept as a security against the loan. But you can get a loan for a higher amount too. Bridging loans are given for a short term which varies from 2 weeks to 12 months.Bridging loans are interest only loans. It implies that the borrower is required to pay only interest during the term of the loan and proceeds of the sale are used to repay the principal.Stay ready to pay a higher rate of interest on bridging loans. Past good relations with lenders can be really helpful to get a fast and best loan deal. Remember one thing use a bridging loan only if you are certain that you can repay it within 6 months.Though the loan is secured against collateral but the lender will make a thorough search regarding a borrower’s credit history to minimize the risk involved in lending money.There are various lenders in the finance market who can offer you a bridging loan. But, look for qualified UK commercial lenders who can offer you the best loan at favorable rate and terms. You can search for loan providers online too. Just browse through various websites, fill up a small online application form which is available on various lending websites and you are through with the job. Now, the lenders will look for the loan option which is best suited to your requirements. Collect loan quotes from various lenders which are available for free or nominal charges. Compare them to secure the best bridging loan.Dream to own a home or to buy a new building for your business can be realized with a bridging loan. Finance market is huge with innumerous number of lenders. Shop around and look for the bridging loan option which can satisfy your expectations to the best.2

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DID YOU KNOW?

Getting a house of your own is a lifetime achievement and home mortgage helps you in achieving this milestone much earlier than it would otherwise have been possible. In fact, the first home mortgage is also filled with a lot of emotion. Home mortgage is really something that makes dreams come true.

So let’s start with understanding what a home mortgage actually is?

Home mortgage is something that allows you to buy a house even if you don’t have enough money to pay for it right away. This is made possible by borrowing money from someone and paying it back in monthly installments. The person who lends you money is called the home mortgage lender. The home mortgage lender lends you money for a specific period of time (up to 30 years) during which you are expected to pay back the money in monthly installments. There are certain terms and conditions associated with the home mortgage agreement and these terms and conditions govern the home mortgage throughout its tenure. Among others, the most important thing is the interest rate that the home mortgage lender charges you. Interest charges are the means through which the mortgage lenders earns on this financial transaction called home mortgage.

Most home mortgage lenders offer various home mortgage schemes/options. The most important variation in these schemes is in terms of the interest rate and the calculations related to it. In fact, most home mortgage options are named after the type of interest rate used for that option. Broadly speaking, there are 2 types of home mortgage interest rates – FRM (fixed rate mortgage) and ARM (adjustable rate mortgage). For FRM, the interest rate is fixed for the entire tenure of the home mortgage loan. For ARM, as the name suggests, the home mortgage rate changes or adjusts throughout the tenure of the home mortgage. This change or adjustment of mortgage rates is based on a pre-selected financial index like treasury security (and also on the terms and conditions agreed between you and the mortgage lender). That is how mortgage works.

No matter what type of home mortgage you go for, you always need to pay back the entire home mortgage loan (with interest) to the mortgage lender, failing which the mortgage lender can stake claim to your home and even auction it off to recover the dues.

So, home mortgage is a wonderful means of getting into your dream home much earlier in your life. Without this concept, you would have to wait for a long time for getting into that dream home. Really, home mortgage is one of the best concepts from the world of finance.

No matter what role you play in your company, becoming a more effective listener will help you get ahead in your position. It means fewer errors, improved accuracy, and enhanced working relationships.

And, listening to your customers and referral sources will definitely help you in your marketing efforts. You will solicit better information from other people whether interviewing job candidates, solving work problems, or working to make a sale.

Contrary to what many people think, being an effective listener is not a passive activity. It takes concentration, effort, and active attention. Because our brains work much faster than our ability to speak, we often jump way ahead of the speaker in our minds and miss the opportunity to fully understand a person's feelings, position, and perspective. Environmental distractions or personal biases can also interfere with our ability to understand what a person is saying.

When listening, you are giving a gift of your time and attention to the other person. Work to respond both verbally and non-verbally to the person who is speaking. This lets the speaker know that you are listening and that you understand what he or she is trying to communicate. Here are some ideas to help you hone your listening skills:

1. Don’t Talk. This may seem self-evident. However, many people listen with impatience. They are just waiting for their chance to speak, or worse yet they interrupt. Be courteous and give your listener your full attention. Avoid offering solutions if the speaker is expressing a problem. Just listen.

2. Listen Fully. A good listener looks interested in what the speaker is saying. Your body language speaks volumes. Maintain eye contact, sit still, lean slightly toward the speaker, and nod your head (but not too vigorously or you’ll look like a chicken!).

3. Ask Clarifying Questions. Wait for the speaker to pause, and ask clarifying questions. It’s a good idea to paraphrase what the speaker has said and to ask questions such as, “Did you mean…” or “If I understand correctly, you said…”

4. Provide Feedback. Remain engaged in what the speaker is saying and show this verbally. He or she will appreciate the occasional “I see...” or “Really?” or “I know!”

5. Keep Your Mind Open. The point of listening is to gain new information. Don’t just search for a point that supports your own opinions. Be willing to gain new insights and learn about someone else’s ideas.

6. Be on the Same Level. Make sure you are at eye level with the other person. Avoid having an employee or customer stand in front of your desk. Have comfortable chairs available so that a desk is not a barrier between you.

7. Respect Your Speaker. If the conversation involves criticism from either party or contains personal information, go to a private room for the discussion. Make sure other people can't listen to your discussion. This will help the speaker feel more at ease and demonstrate your respect for what he or she has to say.

8. Pay Attention to Cues. What isn't being said is often as important than what is being said. Body language speaks volumes. Watch the speaker's facial expressions, posture, eyes, gestures, and other nonverbal cues.

9. Avoid Invalidating Language. While you may not agree with what the speaker is saying, avoid defensive statements or phrases that argue with his or her points. Later, you can take time to review what was said and formulate a response. As an active and effective listener, your role is to allow the person the time and space to fully express his or her feelings.

10. Express Appreciation. Thank the listener for sharing his or her thoughts and feelings. It takes courage to speak up. True sharing builds trust and encourages further dialogue.

It takes time and energy to become a better listener. Be patient. As you begin to improve your listening skills, you may be surprised to find people will seek you out to share their thoughts and feelings. You will also find yourself involved in fewer conflicts and be perceived as a more positive and trustworthy person. Attentive listening is a rare skill that people respect and welcome.

ACTION ITEM: This week, concentrate on your listening skills. Do you finish sentences for others? Do you interrupt? Do you sneak looks at your watch? Pay attention to your listening habits and begin to bring conscious attention to improving these skills. Work to show others that you hear and understand them.

Copyright 2006 Marketing Maven










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