Accountability in business and in government is the cornerstone of good governance and ultimately, good performance. Without single point accountability for processes, organisations have no means of ensuring that what have been determined as the goals for the organisation are likely to be met. A useful tool for identifying who...
Most folks who declare bankruptcy think that financial doors might be closed to them for a while. But, in reality, it is possible to get a loan, refinance a mortgage or get credit after bankruptcy. And it's a smart idea, too! Refinancing a home has a lot of benefits, like...
If one has declared bankruptcy in the past, he or she may wonder if it's possible to qualify for a home loan. Well, chances are a person could get a mortgage loan from a lender, but is the person really ready to buy? Home ownership requires a lot more than...
Closing costs for home refinancing or purchases are often misunderstood and frustrating for the buyer and seller who is probably very soon going to be a buyer. Closing costs are assessed once a purchase agreement is finalized with the seller and/or their agent. The various costs will vary by county,...
Finding a mortgage after bankruptcy is much easier today than it used to be. After a person has declared bankruptcy and cleaned up his or her credit, the person can easily qualify for a mortgage with a reasonable rate. To get the best rate possible a person will want to...
There are over 80 million lawsuits filed every year in the United States. Landlords and real estate investors are especially susceptible to liability. Any mortgages on one's property will be recorded as well. Most recorded mortgages will state the amount of the original principal balance and the date the mortgage...
When a company is acquired, there are a number of behavior patterns which are wise for managers in the company to adopt. They are helpful not only to the smooth integration of the two businesses, but to the individual executives themselves. Adherence to these standards of conduct and rules of...
If a person is considering remortgaging his or her home after Bankruptcy, there are many factors to consider in the decision making process. This paper discusses some of the essentials topics that will enable a person to decide if releasing equity from his or her home is the best option.
The word, Bankruptcy, means 'Broken bench', literally. In the past, during the early days of banking and trading, when a debtor could not pay off his debts, his workbench was broken into two as a punishment and also as a warning for other debtors. But in recent times, the term...
Understanding the closing costs involved in one's transaction is essential. For most new investors, this is one category that seems to be hard to pin down until one gets to the closing table. If unforeseen costs arise at the table, it can make for a very bad day. As an...
Many people who have filed bankruptcy in the past apply for credit the wrong way. They fill out a credit application and hope for the best. Best case, they probably end up paying a lot more in interest and finance charges - hundreds or even thousands of dollars more, depending...
Jackie is 31 yrs of age and the Business Development Manager for an insurance company. She always arrived at work at 8.00 a.m. and never left the office before 6.30 p.m. most nights. She bemoaned the fact that work took over her life. Through the process of coaching the authors'...
New homeowners are often taken aback by up-front closing costs such as mortgage and title insurance, attorney fees, recording fees and loan points, which can run into the thousands of dollars. But there is no need to be afraid of these charges. With a little background on their purpose and...
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