In the world of real estate, home buyers know or should know that a 20 percent down payment is a magic number. Why? Well, the payment of such a figure accomplishes two things. First, it lets you avoid the payment of private mortgage insurance. Second, it makes lenders view you with a more lenient eye. If you can manage to bust it up to 25 percent, they will practically throw money at you!

However, housing market is not showing any recovery at this time, as home buyers are not in rush to buy homes. Refinance on the other hand, had increased dramatically as home owners are taking advantage of low rates. Even with a reduction in a 30 year fixed mortgage savings can equal to fee hundreds per months and few thousands per year.

The worth of your dollars, availability of jobs, rates of interest for loans as well as the rate of home foreclosures are all determined by a small number of elite private bankers who manage the Federal Reserve. Now we are seeing more and more companies closing their doors because they cannot survive in this economic climate.

First, arise two hours before you’re off to your job and read for one hour that will upgrade your skills. Do not let anything else distract you during this period.

80-20 redux – If those high maintenance customers take their business elsewhere, they’ve given you back a lot of your time and resources to go after serving your ideal clients! Feeling pressured by a potential drop in revenue – then now is the time for…

Remember the 80-20 rule – it’s practically universal that 20 percent of your clients or customers are “high maintenance.” They’re creating 80 percent of your distractions, disruptions and diversions. Keep them but change your pricing structure to charge them 20 percent more.

“Self-Employment”- this means you either work for a company which pays you a set commission (i.e. travel agent, https://freedomentrepreneursconference.com/blog/index.php?entryid=10942 photographer, etc. ) or you own a medical practice, firm, or brokerage (actually it owns you) because you are a doctor, lawyer, stock broker, etc.

Investing just a small amount of time in training your customer service staff will have a tremendous impact on your business. Studies have shown that customer will spend an average of ten percent or more when they feel appreciated through excellent customer service. What can be so wrong in having your customers feel special through your ideal service?

Before you transfer a balance make sure the balance transfer fee isn’t higher than the amount of interest you would pay during the interest free period. Only transfer what you know you will pay off during this interest free period and be sure you actually pay the full balance before the offer expires, so you’re not stuck with a high interest rate later.