| 271. |
David Morse & Associates Talks About Fraud Claims
by: Kris Nickerson
"Most consumers don't realize that 25 percent of their insurance premiums are ultimately used to pay fraudulent claims," says Tom Reitze, President of David Morse & Associates (www.davidmorse.com), providers of third-party administrator services, field adjusting services, specialty claims services, and fraud investigations. "Peruse the newspaper headlines in virtually any city in the U.S., and ... (read more)
• August 2006 •
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| 272. |
Factors To Consider When Mortgaging Your Property
by: David Sanders
People who are in need of cash for any purpose have often looked at the possibility of mortgaging their properties. Mortgage is the easiest way to convert assets into cash provided the asset you have passes the mortgage requirements. However, every person should be cautious about mortgaging his property especially if interest rates are high. The best advice is not to opt for mortgage when there ar... (read more)
• August 2006 •
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| 273. |
ARM Resets Will Leave Their Mark
by: Martin Lukac
We are already seeing financial advisors pointing to what is currently happening in the mortgage market as a case against stretching to buy too much house. With record low interest rates and many new mortgage products allowing consumers to expand their buying power, the past five years has seen quite a boom in the real estate arena. Somewhere along the way, consumers stopped considering the future... (read more)
• August 2006 •
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| 274. |
Mortgage Rates Decline For Second Week
by: Martin Lukac
Mortgage interest rates fell for the second week in a row, according to Freddie Mac's weekly survey. The 30-year, fixed-rate mortgage averaged 6.63% for the week ending August 2, down from 6.72% the week prior. One year ago, the 30-year mortgage averaged 5.82%. The 15-year, fixed-rate mortgage averaged 6.27%, down from 6.34%. One year ago, the 15-year averaged 5.38%. Five-year hybrid adjustab... (read more)
• August 2006 •
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| 275. |
Frugal Tips For Saving Money
by: Martin Lukac
Saving money isn't that hard when you take a frugal approach to it. I know that the words "saving" and "frugal" don't bring the happiest thoughts to your mind. And that is the number one reason you aren't able to save any money. You have the wrong attitude. It is surprising how easy it is to change your attitude. When you succeed at saving money, you are helping yourself. Keep you goals ... (read more)
• August 2006 •
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| 276. |
Debate Over Senate Offshore Hearing
by: Martin Lukac
The Center for Freedom and Prosperity has attacked the Senate hearing into offshore tax havens as being completely "one-sided". The Permanent Subcommittee on Investigations of the Committee on Homeland Security and Governmental Affairs is currently conducting a hearing into "Tax Haven Abuses: The Enablers, the Tools and Secrecy." "Using offshore jurisdictions to shelter income is unfair and I int... (read more)
• August 2006 •
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| 277. |
Presentation Skills: Knowing Your Audience
by: Colleen Kettenhofen
“With presentation skills, the work is in the preparation, the fun is in the presentation.” Colleen Kettenhofen To improve presentation skills, allow plenty of time, if at all possible, to find out exactly who will be in your audience. Consider obtaining some of their names, phone numbers and email addresses so you can do a “survey” or interview to find out more about their needs, challenges and e... (read more)
• August 2006 •
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| 278. |
Customer Satisfaction – Why do Companies Care? Part 2
by: Terry Echols
Customer Satisfaction vs. Customer Loyalty A customer that is “satisfied” has purchased a product which is acceptable to them. A customer that is “loyal” is one whose experience was so exceptional, they will purchase again. The conventional wisdom for most industries has held that “if you have satisfied customers, you will have loyal customers.” It may sound correct, but is it? Saying when the... (read more)
• August 2006 •
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| 279. |
Customer Satisfaction – Why do Companies Care?
by: Terry Echols
This is the first in what is sure to be a lengthy series on “Customer Satisfaction”. The information contained here will cross over as training material quite nicely. In order to present the topic of “Customer Satisfaction” it is important that we have the same definition, working for the same page, so-to-speak. We should first identify the factors that contribute to customer satisfaction. Then mo... (read more)
• August 2006 •
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| 280. |
General Motors & Ford-It’s the cars “Stupid” part II
by: Richard Stoyeck
We’ve already stated our belief that that 2007 will see Americans buying several hundred thousand less cars than they will purchase in 2006. We are looking for 16.8 million vehicle sales this year. Let’s get into the numbers, and see what the implications are. When you, or I buy a car for our personal use, we pay on average about $25,000 per car. The car rental companies in the United States purch... (read more)
• August 2006 •
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