Thursday, April 27, 2006

Manage Your Time Wisely

Manage Your Time Wisely
by Nancy Woodward

If you are always in a rush and can’t seem to get any of your tasks completed on time you might have a problem with time management. Time management is a simple concept, plan and organize your schedule to maximize the work that can successfully be completed. If you are finding that you never have free time or that you are busy doing unimportant tasks here are some tips to make your time more productive.

Time management is necessary for almost anyone in this super busy world we all live in. Whether running around for our children, working on a few projects at the same time or trying to juggle work and school, time management skills can really help.

Time management can be simple to learn, just sit down and work on a system that can help you plan your day or work week so that you can accomplish your goals. The first thing to recognize is, what goals do you want to accomplish and how you plan on accomplishing them in the time frame.
1. Make a list of your goals.
2. Break this list into smaller more focused goals.
3. Create a timeline to accomplish this.
4. Take time to consider why you have this set of goals, what will accomplishing this list do for your business and your life.
5. Find a buddy. The buddy system will help you to be accountable for your progress based on the timeline you have created.
6. Have fun with this. If you can create an atmosphere of joy, you will accomplish more.

Being organized is crucial, but can also alleviate a lot of stress. Many times we are stressed out because we are unprepared. If you would like to be prepared it is necessary to learn how to prioritize your schedule in order to maximize your work. So if you are feeling unorganized and not getting the tasks that you want completed, learn investigate time management skills.

Nancy Woodward is an accountant and real estate professional affiliated with “The Dream Team”. She is now working online at

Tuesday, April 25, 2006

Save Money on Your Insurance

Want to find great insurance deals, look no further then the internet. Like everything else, shopping on the internet for services that are extremely similar industry wide is an extremely effective way to find the lowest price. Insurance is no exception.

There are many services that you can plug in your age and you’re level of coverage that is required and you could look at dozens of offerings for auto insurance. Not only is this a great way to save money but also to see what is available in the market place.

If you would like to learn more, then there are tons of insurance educational materials available at these sites. While some of the sites educational materials are skewed towards their products there are plenty of nonprofit organizations that can help you learn the basics and strategies for picking the best insurance for your needs whether it is life, home or car insurance.

Many people are surprised that a few minutes of research can save them 50% off their insurance costs per year, but that is what happens when you are able to shop and compare. So the next time you are interested in purchasing insurance take a look at some internet insurance sites and find a great deal.

We all hear the ads aimed at auto insurance buyers – the Gecko. Well, you can find fabulous information online without speaking to anyone interested in selling to you. Do you due diligence and you will save money.

Nancy Woodward is an accountant and real estate professional affiliated with ‘The Dream Team’. She is working on future articles and interviewing other professionals in the field of real estate, mortgages and financing. If you have an interest in participating please visit or or email

Sunday, April 23, 2006

Improve Your Credit Score

Getting approval for any type of loan depends on your credit rating. If you have average credit rating, you will find it almost impossible to get approved for a loan. It’s possible to get a good rating or even improve you credit rating. Most companies always use the same rating system and if you are able to know more about it. You should be able to improve your credit score.

Your age is the first factor which it’s almost impossible to do anything about. Yes it’s possible to lie, but don’t because it will make things more difficult for you in future if the creditor get to know. If you are between 24 to 64 years of age you will get one point. Any age, below or above, that will score you zero points.

If you are married, you have a chance of adding extra points to your score. If not, you still score zero as most creditors see you as a higher risk. Also, if you have no dependents, you will score zero. But if you have between one to three dependents, you will add to your points score. Here is how it works – if you have no dependents, creditors believe you can skip town and not pay off your credit.

Creditors will also want to know more about your credit life. They will want to know where you live. Owning a home with a very large mortgage or even not having a mortgage will give you more points. How long you have resided in your present or previous residence also adds more points to your score. If you’ve move often, you will score zero points. However, if you’ve stayed up to five years before moving, you will surely get more points. The companies will perceive you as a risk for them.

Other factors that will add to your point are:

your years on job (the longer the better)
Your type of job.
Monthly income
Present debt status
Previous credit history
Your savings account history and balance
Checking account history and balance

This information should help you determine ways to improve your score and/or research where you are at this point in time. There are online resources to help you do this and to determine what your current score is. It is possible to improve your score.

Nancy Woodward is an accountant and real estate profession affiliated with ‘The Dream Team’. She is currently researching information and interviewing professionals to create useful information in the field of real estate, mortgage loans, business and more. If you have an interest in this subject, visit Nancy at, and email her.

Friday, April 21, 2006

Real Estate Auctions

Real Estate Auctions
by Nancy Woodward

If you are interested in either buying a house to live in or buying a house or property for an investment, you should look into real estate auctions. Many houses that have foreclosed are put up for auction, sometimes saving the buyer tens of thousands of dollars. If you would like to get into this business, here are a few tips.

Contact your county or city sheriffs department. They usually have a listing of real estate auctions in your area and they can provide you with the date and time and exactly what is needed to place a bid. You can also look at your local paper under government auctions for information on where the next available auction is being held.

If you really want to find the good deals, then you will have to do some research. Remember these auctions will save you tens of thousands of dollars so there is a lot of competition. You may want to sign up with a company that provides you with breaking news on which houses will be on the market. This way you can have plenty of time to analyze hundreds of properties to find the best property to bid on.

There are also services that help you step by step find a great auction property, bid on it and then sell it immediately for a quick profit. These programs are usually inexpensive and can provide you great tips and tricks on how to get the most return on your investment.

So if you’re looking to get into the real estate investment business, take a look at real estate auctions. I was interested to find that there are online auctions and sales sites. You can see an example of an online auction by visiting

Owning real estate is a basic desire in most of us. Buying it at a discounted price today is the way to go. As real estate prices rise, it becomes harder to ‘find that deal’. Take care and do your research, you will be rewarded immensely.

Nancy Woodward is an accountant and real estate professional affiliated with ‘The Dream Team’. Nancy is currently researching articles and interviews with real estate and mortgage professionals. If you have a interest in participating, visit or and send an email.

Wednesday, April 19, 2006

Benefits of Incorporating Your Own Business

If you have a small business or starting one in the near future, it is important to look into the benefits of incorporation. The government provides benefits to companies that incorporate their businesses with tax breaks, limits in liability and benefits for employees.

The Ease and Benefits of Incorporation:
Incorporating your business is a very simple process that takes a small amount of time and can cost less than $500 to complete with the help of a lawyer. You can also incorporate your business on your own without the help of a lawyer by purchasing an incorporation book. These books show you the exact forms that need to be completed and the process to register your business with your state government. Incorporating on your own can cost less than $200.

Incorporating your business is an extremely safe and secure way to limit the financial liability of its owners. If your incorporated business fails, you the owner are not responsible. Your business, which is seen as a private entity, is responsible for its losses.

Corporations also include great tax benefits. You may be able to save money on business expenses, travel expenses, entertainment and other related expenses by controlling a corporation. If you purchase healthcare, your business can save on the considerable costs to provide it. So if you have a small business or are thinking of creating once, look into incorporation.

You can create a normal corporation, or perhaps consider a Sub-Chapter S corporation. The additional benefit of Subchapter S corporations is that the income and loss pass through to the owners.

For more articles relating to business and real estate visit Nancy at or http://mortgagefinancinginfosite for articles relating to mortgage financing. Nancy is an accountant with an interest in both subjects.
Terms:Articles may be reprinted provided content is not edited and links are kept live.

Sunday, April 09, 2006

Reduce your Interest Payments Painlessly

Reduce your Interest Payments Painlessly!
by Nancy Woodward

1. Pay your mortgage early whenever you can.

2. Make additional principal payments. Even small amounts will add up over time and reduce the interest you pay.

3. Don’t pay your mortgage late. The late fee assessed is larger than the amountyou would pay to overnight your payment to the Mortgage Company. A 5% penalty on a loan payment of $1,000.00 would cost you $50.00. You can overnight the payment, save dollars and your credit rating.

4. A mortgage calculator can help you determine how much additional to pay based on the length of time you wish to reduce from your loan.

I hope you have found this information useful. I plan to offer a free loan calculator for my friends and readers. More to come. Visit, for more articles on loans.

Saturday, April 08, 2006

5 Steps to take Before Listing the Homestead

Preparation is key. Take the time to prepare yourself and your house before you list it. This will make the process smoother for you. Do your homework first.

Step 1: Research homes for sale in your local area. Read newspapers, check online, drive around your neighborhood and see how many houses are for sale. Is the market moving fast or slow?

Step 2: Compare your house to those on the market for price, value, condition before you discuss this with your Realtor.

Step 3: Research Realtors. Interview Realtors just as you would a new employee for your business. Ask for referrals. Talk to your friends and neighbors.

Be sure you are of like minds. Your Realtor is there to do the best job possible for you in a timely, professional manner.

Step 4: Determine if you need to make repairs, improvements to your property that would make selling easier – i.e., painting, minor repairs, tidy the house, clean out the garage, clean the pool etc.

Check your curb appeal. These things can be done inexpensively and the benefits will outweigh the cost.

Nancy Woodward is a realtor associate. Visit