Smart Money Tips

  1. Have all your money in one account prior to purchasing a home 2 months prior to getting under contract.(This makes it easy to source your funds) 2. This will make #1 even better. Open a brand new account just for purchasing a home. This will eliminate all deposit questions to that the underwriter may have. (Must be 2 months old prior to purchasing a home) 3. Have zero open disputes before having your credit ran by a lender. 4. Get pre-approved first then shop for a home. 5. Stop worrying about the interest rates until you get under contract. (Don’t ask what’s the rate, your lenders response will be, do you have a contract? If not the rate is irrelevant. Rates change hourly. It’s okay to ask the general rate but understand they change based on 18 different factors thus making everyone’s situation different) 6. DO NOT BUY ANYTHING BIG PRIOR TO BUYING A HOME! 7. Get your Debt to income ration down as low as you can. This will allow you to get a higher pre-approval and better appr...

  As their name implies, personal shoppers buy for persons who lack the time, energy, or expertise to do so. Depending on their area of expertise, clients employ them to shop for anything from apparel to shoes to more personal items. Personal shoppers might work as consultants and operate independently in a small business or as contractors for department or specialty stores. Click here to become a Personal Shopper Personal shopping is all about giving each customer their undivided attention, and an own shopper typically meets with a client to learn about her personal style and what kinds of clothes she likes. The shopper will then continue shopping for the client, trying her best to adhere to their tastes. Personal shoppers frequently offer clients advice on current trends, appropriate apparel for the season, and ways to merge their own sense of style into the season's new looks. Unless the customer specifies otherwise, they typically shop for whole ensembles for a client, includ...

  The Best iPhone Tips And Tricks The iPhone is already assured to be one of the best-selling Apple products of all time, and its launch is being awaited by millions of consumers around the world. Even though the iPhone has not actually been released yet, there are a number of iPhone tips and tricks that will come in handy learning now. iPhone Tips and Tricks When it comes to iPhone tips and tricks, one of the best involves how you can make the low ringer on the iPhone louder. This is important because in fact one of the most common complaints about the iPhone is that it has such a low ringer volume. If you are one of the many people who finds this to be a problem, then at least there are iPhone tips and tricks you can use to do something about it. You can easily resolve this issue by using a custom ringtone rather than those already available on the device, and make sure that the ringtone you choose is a loud, high frequency audio. Another great tip involves how you can watch Goog...

  Messed up? Frustration? Fed up? Have you ever been confused by not losing weight even after dieting? In fact, if you're like most people, instead of losing weight, you'll put all the weight back on, plus a little extra. Have you noticed that diet fads aren't taking the market by storm right now? There's a simple reason. After over 100 years of dieting, it is finally clear that all this effort, deprivation, planning, and starvation have only made the American public fatter. 95% will return to their original weight within 1–5 years. Before embarking on another diet, you should look to your body's natural wisdom. Ironically, we all have the perfect free built-in diet available right here right now. It's all about listening to your body, and it's that simple. There are just a few simple things to learn:               Click here to find out the right dieting 1) What you resist persists The most essential step is to love and accept your body...