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Avoid fly-by-night operators.
2. Some companies secretly wish that you default on your payments so that, they can seize whatever you have financed. These companies usually include clauses that makes it possible for them to seize your asset at the drop of a hat!
3. Be clear about the rate of interest being charged. Compare it with the rates being charged by other companies on similar loans.
4. Find out if the interest quoted by them is on reducing balance method or flat on the opening balance. The latter turns out to be far too expensive.
5. Do not hesitate to ask the representative any & all questions.
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Buying recycled cartridges to use in your printers can save over 50% on cost. Buying in bulk for business can save even more. The remanufactured cartridges perform as well as original manufacture ones. Perhaps sharing purchasing with another local business could help save cost. These cartridges may seem small and insignificant in size, not taking up much room in a dump, but ONE medium sized business can create several 55-gallon drums filled with cartridges in one year. Count the number of businesses in your area and this can add up quickly to a large bulk destined for disposal.

To raise funds, some schools and charitable organizations are collecting used cartridges and sending them to recycle companies. Many of these companies pay from $2 to $10 for used cartridges. This not only helps remove cartridges from the disposal stream, it helps the schools and charities. Consider donating to these organizations or using the return mail tag that many printers include in their packaging.
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The tiles must dry a minimum of three weeks after installation before the sealer is applied. It usually takes at least two applications to completely saturate the tiles. The sealer is applied with a paint roller. A brush is used at the edges.

The final finish coat will probably be an acrylic, obtainable from either tile or paint stores. This also is applied with paint rollers and brushes and may require two coats to do the job.

Eventually, this finish will wear off in areas of traffic and will have to be replaced. The floor will be chemically stripped of the old finish before the new coating is applied. It is best to have this done by professionals.

For those who want the look of Saltillo without its associated hassles, there are glazed ceramic tiles made to look like Saltillo tiles.
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the secondary gain … why she struggling in her business.

The underlying reason … If she became successful in her business, she would no longer have an excuse/reason to stay in her failing marriage. As long as she was dependant on her husband financially, she could justify why she needed to stay. As illogical as it may sound to someone not in the situation, our behaviors and choices are anything but rational. They are driven by emotions and beliefs, oftentimes not for positive reasons.

Uncovering “secondary gains” is critical to realizing that next BIG success breakthrough. If you are stuck or not realizing results in any aspect of your business or profession …

ASK YOURSELF …

” what’s the benefit of NOT achieving my goal or vision?”

Denise Corcoran – CEO, The Empowered Business ™ – assists CEOs, executives and business owners in taking a quantum leap from the ordinary to extraordinary ? from unrealized dreams to mastering their destiny ? from slow growth to exponential results. A business & leadership coach, strategic consultant and Master NLP Practioner, Denise’s unique “inside out” approach provides deep transformation and lasting change in you, your organization and your results.
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Last year, only 10% piggybacked a second mortgage.

However, fewer homeowners took out interest-only mortgages this year, 14%, down from last year’s 17%. But when looking at demographics, there was a 50% increase in homeowners between the ages of 18 and 34 who took out an interest-only loan this year, to about 23% of borrowers in the age group.

Financial advisors have long criticized many non-traditional mortgage programs, such as the interest-only ARM, due to the risk that they bring to the borrower. Once the interest rates reset to normal levels from their inital teaser rates many homeowners are left with “rate shock” and are unable to afford their payments. Many borrowers who use the interest-only mortgages are unable to afford the payments once the principal amount is added to the payments. Those with Option ARMs that allow minimum payments often find they owe more after a year than they did at the time of closing. All of these programs leave borrowers open for default.

Lenders and banking instituations maintain that they simply provide these programs to qualified borrowers. They say they are not responsible for monitoring how a borrower manages their finances.

Non-traditional lending options have been popular during the past five years of strong housing growth.
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I think this attitude, is what the overall head of my last workplace – Andy R. Jones(Operations Manager, Guinness Nigeria Plc, Benin Brewery in 2001) – must have seen in just 11 months of my reporting to him, that made him say during the departmental send-forth ceremony organised for me(after I resigned to start my business in 2001 December) that ”

Tayo simply refuses to fail!

“. (See my article titled ”

Should You Quit Your Job Or Start Your Business Part Time?

” to read the comments Andy went on to “hand-write” in two – farewell/xmas – greeting cards he sent to me, few days before I finally left).

It is also the above mentioned philosophy(i.e. How badly you want something, will determine how far you will be willing to go to get it

) that has enabled me consistently overcome (and make progress – sometimes by taking “baby steps” – in spite of) EVERY single setback, or obstacle that I have encountered over the past five years, to be where I am today as an entrepreneur.
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