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Since March 2009, the federal government’s HARP (Home Affordable Refinance Program) program has helped over 3.2 million American families refinance their homes. These families thought it was not possible because they either had negative, limited or no equity at all. If you’re in the same boat as these families, you can apply for a HARP loan program. However, you have to qualify first and complete the requirements below. Qualify for HARP To be eligible, you should have a regular income, valuable assets, and of course, an excellent credit...Continue reading »

Running a company that has an unbalanced focus between employer-employee relations and customers’ demands is one cause of low returns on investment.  A business model like this may find it difficult to define employee responsibilities related to technology, human resources, consumer channels and products. As a result, companies could fail to fulfill customer requirements and end up in losses. You can, however, prevent these problems by adopting a lean project management software—the Six Sigma. What is the lean Six Sigma management...Continue reading »

Conventional mortgages often offer lower interest rates compared to VA, FHA, and jumbo loans. It follows guidelines according to the borrower’s financial situation and the total amount of the loan. A fixed rate mortgage is the most common kind of conventional home loan you can take. A fixed rate home mortgage features interest rates that are fixed until it is paid in full. This means that for a pre-arranged specific period of time, interest and principal rates for your home mortgage will not increase. Fixed rate mortgage offers payment...Continue reading »

A home is one of your basic needs. Whether you rent an apartment in the city, or you are planning to buy a brand new mansion in the country, real estate investment will never go out of style. Besides, people always want to have a comfortable place to live in as they grow older. However, there are new opportunities in the real estate market that can help you buy a home and use it as an investment. Turnkey real estate investing is now growing popular among many potential homebuyers and investors. The homebuyer buys a property and rehabilitates it for the purpose...Continue reading »

The environment you work in has a huge impact on your productivity. With working spaces getting smaller in the business world, people are looking for ways to get the most out of confined spaces. Here are four smart tips to help maximise your small office space: Use desk clusters A good office should have just the right balance of functionality and aesthetics, leading office design expert Precept Design stressed. Using desk clusters in your office is an innovative way to increase the flow of information, improve efficiency, and maximise...Continue reading »

Events are all about attention to detail and flawless execution of the biggest to the smallest things. A mistake in one aspect may create a domino effect on the rest of the event. When you plan an event, there is a recipe for disaster and a recipe for success. ULTIMATE EVENTS, INC. and other experts in event planning from California cite the following as a blueprint for a successful trade show, seminar, gala, or any other event you’re planning: Start the Process Early It’s never a mistake to start planning early for an event,...Continue reading »

Businesses often need other businesses to provide products or services to their customers. Without collaborations, partnerships, and service providing, much of commerce would probably be impossible. A packaging business is a good example of a company that provides an invaluable service to other companies like manufacturers and retail stores. Industry leader Eastpac Group recommends having an array of packaging products and machines that are mobile and lightweight for more flexibility. To start your own packaging business, here are some...Continue reading »

When introducing new colours to your home décor, you don’t have to limit yourself to painting your walls or floors. Consider painting accent colours in these surprising spots to bring in some pops of colour in your home:You Closet Walls – Although most closets are filled to the brim with clothes more often than not, give a pop of colour inside for an unexpected and colourful twist. Your Doors Edges and/or Interior Side – It’s completely fine if you want a white or varnished door, but if you’re looking to up your door game...Continue reading »

As you grow older, you realize there are two things you cannot avoid: estate taxes and death. Preparing for these two are beneficial not only to you, but also – and more importantly – to the loved ones you will leave behind. Estate Planning One of the biggest concerns among Utah residents who have considerable assets is the estate tax, which can potentially drain any savings and value on the properties left behind. Utah used to collect sponge tax, but the state removed it in 2005. Moreover, if you decide to transfer your assets such...Continue reading »

There’s no way around it — bullying hurts. Being bullied feels extremely bad, but it’s crucial that you keep in mind that none of this is your fault and that you’re not alone. What Do You Do if You’re Being Bullied? Don’t think that you can’t do anything if a bully is victimizing you. Although different ways could work for different people, every case of bullying is different. With this in mind, try to see if you could work it out with your bully. This is, of course, considering that you don’t feel physically threatened,...Continue reading »