Posts Tagged ‘guide’

Part 3: A Guide on how to Increase Your Income :)

Friday, June 26th, 2009

Before reading the article, it is recommended that you read the Part 1 about the benefits of spending less than you earn and Part 2 about How to spend less than you earn :)

So here is a guide on how to increase your income:

  • Stop wasting your time. Especially at work. The terms “time is money” is true; but you can get more than that. There are many things you can do rather than just wasting your time. Just checkout the list under, and you’ll see why you really shouldn’t waste your time.
  • Improve the transferable skills (skills that can be used in almost any career path). One of the popular transferable skills is public speaking. If there’s any opportunities to do so, then do it and speak your mind in front of public. Another example is the time management; and you can learn to build an effective time management scheme such as organizing and filing your paperwork, Brainstorming ideas, etc. Other examples of transferable skills are setting the standard procedures of your work, take charge of a work project etc. All of these things push you towards developing skills that are genuinely useful no matter where you’re heading in life.
  • build a strong network and relationship with many people as you can, and try to give a bigger portion to the relationships in your field. This can be done by simply sending emails to people you’ve interacted and keep up with what they’re doing. If you have an opportunity to connect people that can help each other, do it immediately, without hesitation. Share what you know and be valuable to others.
  • Start a side business. Turn a passion you have into money. Don’t know what that could possibly be? Think about it carefully and I might post interesting ideas to start a side business for you
  • Finally, stand out at work. Speak up at meetings. Show empathy for the problems that others have. Take on only projects you can handle, but do them well. Get to know the support staff – and treat them well. Don’t burn bridges when you move on – make an extra effort to maintain good relationships when you leave. These little things add up to a huge difference.

Keep that rule in mind: spend less than you earn. Each move you make to maximize the gap between what you earn and what you spend will put you in a better place in your life.

Like this article? State your ideas or questions below. Any ideas much appreciated.

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Posted in Career, Family finance, personal finance, saving | 1 Comment »

a Guiding Steps before getting Your Home Loans

Wednesday, June 10th, 2009

Some of you, especially a new marriage couple must be so deeply want to have a new house. But sometimes, the old classic trouble forbids them to get the new dream home, but nothing to worry today. You could get the home loans to get the new house that you want to buy.

There are several things that you must do before you get the home loan. And here i will provides you with a guidelines before applying your first home loan. First, find a lender. You could get some information from your friend or for any possible sources. After that, off course you have to fill out the loan applications. After that, you need to get some estimation of closing costs from the lender. According to the law, the lender must provide you this statement.

The next step that you need to do is compare the cost, fees, and term of loans of you have some lenders (you could make some comparisons among them). The nest step is negotiating the fees. The fees must be negotiable things, no matter which one the lender is. After you have done with the documents, you need to pay some up-front fees. After that review your loans papers and then sign the papers. Perhaps, those steps would bring you closer to your dream house.Good luck, guys :)

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Posted in home loan | No Comments »

[Loans Guides] Getting loan easily

Tuesday, June 2nd, 2009

If you need to buy something that you have longing for a long time but you don’t have money, you can apply for a loan. If you already have a credit card, it will help you a lot because you don’t need to fill complicated applications. They will only see your credit scores. If your credit score is bad, you will have difficulties in getting the loans. Every conventional bank requires good credit score to approve your loan application.

Good credit score can’t be obtained if you late in paying the monthly bill to your lenders. Your credit scores will also goes down if you ever had business bankruptcy. The overused of the credit cards are also makes you to have bad credit scores. Therefore, if you want to get your loan application approved, you have to maintain your existing credits. It’s better for you to join all credits you have into one account so that you will be able to pay the monthly payment.

Mixing all debts into one account also reduce your interest rates that you have to pay. As the interest rate is affordable for you, you will no longer have late payment and it will increase you credit score. Good credit score makes you get loans easily.

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Posted in Loan | No Comments »