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Home > > Blue sky to membership rewards

Blue sky to membership rewards

Mortgage loans are the easiest way to own your house or property. New low down payment and longer mortgage terms allows people with low income or low cash to purchase their home by taking home mortgage loans.

The mortgage amount is the amount of money you borrow from a lender to pay for your house.Home mortgage loans are offered against collateral security of the property you purchase. However, you possess the house you purchase and have its ownership as well; the lender also has an “ownership interest” on it until the loan has been paid.The mortgage loan rates have come down, which makes the mortgage loans attractive for borrowers. Mortgage loan rate varies according to loan plans. Fixed interest loans have an interest that is fixed for the entire loan tenure. Here the mortgage loan rate never changes.Another type of mortgage loans is flexible-interest mortgage loans. The interest rate of flexible interest mortgage loans increase or decrease depending on the market condition and the national economy. Consequently, your mortgage loan’s term may go up or down but the monthly mortgage payment will remain same.Mortgage Loan Application ProcessMortgage loan application is filled in after deciding the mortgage loan pla n. This application for mortgage loans has columns related to to sky blue membership membership sky to blue rewards rewards your personal details, income details, credit history and the details of the property that you propose to buy. You may be asked to submit documents as proof of information you provided along with your mortgage loan application form.On receiving blue sky to membership rewards the mortgage loan application, a mortgage loan advisor will contact you for verification of the details. After verifying your details and your income source, a surveyor will survey the property and evaluate it. On successful verification, you will be granted the mortgage loan amount to purchase your home.Things To Remember Before Selecting Mortgage LoansYour home mortgage loans will be amortized in regular monthly instalments. The most popular term for home mortgage loans is 30 years. The choice of mortgage loan term depends on your repaying capacity. A long-term mortgage loan plan has low monthly repayments. However , you end up paying more interest on your loan.A short-term mortgage loan such as 10 or 15 years has high monthly payment. However, the membership blue sky to rewards total interest that you pay on that mortgage loan is lesser. Before you apply for a home mortgage loan, calculate your current and future income and then decide the period for which you need the mortgage loans.We suggest you to choose a term for mortgage loans that has comfortable payment plan to let you own the house and still have sufficient funds to enjoy your life. 2

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DID YOU KNOW?

Is your business working, really working? If not pick up a pencil and write down quickly why not. It should take you about 30 seconds at most. Go on write it down.

Those of you who have worked with me know the answer….go look in the mirror. The answer lies there. That’s the bad news. Here’s the good news. Go look in the mirror the answer lies there.

You are both the problem and the solution… good thing ‘cause you can’t change anybody but you.

In the next few paragraphs I’m going to give you my thoughts on why I think most people have difficulty getting their businesses off the ground. Or to be more to the point…why it’s so tough to find and start recruits.

How many times have you heard "Financial Freedom" when you ask someone what they want out of their home business?

What does that mean really? I know the "stock" answer, "So money isn’t a consideration any more." But is that really what we’re looking for?

I think people are looking for a freedom much deeper than money. It’s a freedom to live in tune with who they really are.

I’m going to paraphrase something Timothy Gallwey said in his book "The Inner Game Of Work." We don’t really want to be free of our responsibilities but rather we want to be who we really are as we perform those responsibilities.

It’s Gallwey’s premise that we get into trouble when we start work or live our lives in line with external pressures. Suddenly we’re dancing to someone else’s dance rather than our own. We find ourselves working for rewards that someone else thinks are important, not what we really think is important. Does this sound like a job? Playing politics and often being something we’re really not. We are just not being completely authentic.

Personally, I think this is a huge reason people come into a network marketing business. They are tired of being who their job requires them to be. Please notice that I said who their job requires them to be not what they have to do. It isn’t about the work.

Unfortunately I think this is a big reason people don’t stay in their networking business. They quit and go away because in our zeal to create duplication we push conformity rather than creativity and fun. Duplication has come to mean "be just like me, or just like my upline." Like their job, your new recruit doesn’t get to be who they are in their new business either.

I don’t think we need to do that to create duplication. I think if we want real duplication in our businesses we need people to tap into (maybe for the first time) who they really are as well as what they really want from their business. Think about this, if you’re getting to be exactly who you are, and your making money too are you going to keep doing it?

Then it’s up to us to pass along the tools we have in our business tool kits to help them build that business within their personal integrity. It’s the tools that need to be duplicated. We’re not cloning people. As sponsors we’re here to facilitate people developing.

Now before any of you start to bounce off the walls, I am not advocating chaos, or encouraging people to be hobbyist rather than business builders or that you should be a babysitter or a therapist. I think our job as sponsors is not to tell people how to run their businesses but rather we give them the tools and help them develop the skills they need to run their businesses. And therein lies the rub. Often we don’t have the skills ourselves.

Let’s talk about how to pass along business tools. In a simple, organized systematic non cluttered way. Let me give you an example.

Do you think the new person in your business would like to have a good year? How would you go about showing them how to do that?

I encourage you before you read on to take a pen and write down how you would have them think about this? Go on do that now. It may be just that ah ha moment you’ve been waiting for.

If you’ve written a couple of things ask yourself if they fall into what I consider the basic building block of business. That is, until we can break anything down to a step-by-step process we really don’t have a handle on it. As usual I’m not just going to give you the answer to this but rather ask you to walk through this process with me.

This is what I’d write to the question I asked you above, "If the goal is to have a good year what do we need first?"

A good six months….

What does it take to have a good six months?

A good quarter….

And to put a good quarter under your belt you need a good month.

What does a good month take? Simple a good week.

And to have that bang up week you simply need a good day. What does it take to fall into bed at night and be happy with the day you’ve had…you need a few really good hours.

Coaching tip: I could certainly have just leapt to the "have a good hour" but would it have had as much an impression? Typically by taking someone through a step-by-step process until you reach the bottom line you can enroll them in what you’re doing. When we are enrolled it becomes our idea?

Do your tools help your organization build their business in a systematic step-by-step method? When you sponsor someone do you give them really good business tools that put them into money making activity in the first few hours at the helm of their business?

Here are some basic sponsor responsibilities that I think are necessary to launch a new recruit.

- Something that brings home to them that they are the CEO of their own business – it’s not a game or a hobby

- They need to know when they are going to work and not work. Real hours just like any business – (their choice not yours).

- They need to know exactly what activity it takes to make money versus admin activity.

- They need to know when they are doing the money making activity

- They need to know when they are doing the admin activity

- They need a business vision – where will they be in six months, a year and five years down the road

- They need a personal vision – what can they learn about themselves and how to make every activity they do in their business fun, fun, fun…..

And here’s the deal. Take a coaching approach to make this happen. You don’t just hand someone a "getting started booklet" and expect that they will take it home and make it work. Take a page out of McDonald’s and put your new recruit through your networking university. Think back to when you were in school. You were not handed a book and tested on it at the end of the semester. You were taught, coached and interacted with the material. Why? ‘Cause it is how we learn. You don’t just give someone instructions and tell them what to do.

I’m in your face here a bit because I see it all day. People telling others what to do and then wondering why people don’t do it! It’s simple:

Since you were two years old you didn’t like being told what to do (what’s a two year old’s favorite word?) and most likely you still don’t….neither does anyone else. And particularly by someone who most likely isn’t doing all the things they are advocating! Sorry about this, but it’s really important to be honest with ourselves here.

So if the shoe fits wear it. If not enjoy your business…it should be flourishing.

But if it’s not, that’s why we’ve designed the Get Your Year in Gear program. If you want a step by step process you can make your own that will:

- Allow you to be who you want to be in your business all the time

- Coach you so you can coach your team to become all they can be

Then get your rear into the Get Your Year In Gear program. It is the place to start. It is not all the answers but it will bring up questions you’ve never thought of and help you to design your own business in such a way to begin to live your life right now on your terms. Then and only then can you attract others who want to do the same and coach them to do so.

I have said before, you’ll be safe but you’re bs won’t be. Are you ready to make 2006 your best year yet? I’m on board for it, are you?


© 2006 Jillian Middleton All rights reserved.

You have a child who is approaching college age and now you have to face what you’ve been trying to avoid for years: how to pay for that college education! Most parents remember when college tuition, room and board could be had for under $5,000 per year. Now, the price of many private institutions hovers at (or above) $30,000 per year. Multiply that times four years and we’re talking about a home mortgage rather than an education! Before you are tempted to send your son or daughter straight to the work world, there are some basics of financing a college education that you need to understand.

According to the Higher Education Act of 1965, which is the law that governs student aid, it is the parents responsibility to educate their children beyond the 12th grade. Most importantly, the law also states that if a family can demonstrate need, then the government will assist in paying for such an education. How is need determined? The basic formula is simple:

Cost of Attendance - Family Contribution = Financial Need

Cost of Attendance - The first component of determining your financial need is to determine the cost of attendance. The financial aid administrator at each college develops an average cost of attendance for different categories of students. This will include tuition & fees, room & board, books, transportation and miscellaneous expenses. Bear in mind, this cost can vary somewhat for students in different situations. For example, the New Jersey student attending college in California will obviously have higher transportation expenses than the California student attending the same college.

Family Contribution - The next part of the formula is the Expected Family Contribution, or EFC. It is determined by the need analysis methodology as prescribed by federal law. The EFC is the amount you will be expected to contribute towards your student’s educational expenses during the academic year. It must be recalculated every year. The Free Application for Federal Student Aid (FAFSA) is the method used by most colleges for gathering the personal and financial information necessary to calculate your EFC. This method takes into account your income and liquid assets which, theoretically, could all be available to pay for college. One point to be aware of is that your family’s EFC does not vary with the number of students in school at one time. There was a time where I thought it was a good thing that my kids were spaced four years apart. Now, I realize that did not work to my advantage in the college funding game! So, for the parents who will have multiple students in school at the same time, this is very good news. Many colleges have financial aid calculators on their web sites which can give you an idea of what your EFC will be.

Financial Need - So, let’s do the math. If your daughter applies to a school with a $30,000 cost of attendance and your EFC is $16,000 per year, your financial need is $14,000. This need can be met by a variety of federal, state and institutional grants, federal work-study monies and low interest student loans. Of course, you will want to look for colleges which have a history of giving good financial aid packages which may even be above your calculated need.

Other Items to Consider -

> Avoid the scholarship search game. Of the $117 billion in financial aid available in 2004-2005, less than 1% came from private scholarships (most aid comes in the form of the aforementioned grants, work-study programs and loans). Many families waste a lot of time and effort going after that small slice.

> Always apply to at least four to six schools that are rated equally. This way, if your child gets accepted to them all, you may be able to negotiate for a better financial aid package. Don’t be afraid to appeal for a better financial aid package!

> Increase your income! Obviously, even with the financial aid that is available, college will still be a stretch for most families. You may want to consider starting an on-line business. There are many people supplementing their incomes on the internet. Stay away from get-rich-quick schemes and do your research first!










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