31 Aralık 2012 Pazartesi

Something Good's Around the Corner

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For half of February, I was feeling a bit down in the dumps. I finished up a project and didn't seem to have any other prospects lined up. The one job that I thought was going to come thru kept me hanging and didn't seem to have a start date in sight. It's stressful not knowing where your next job is going to come from!
But as I have come to realize, things really do have a way of working out. If you are hard-working, ambitious, [and likeable], something good is usually just around the corner. And if you really want to give luck a hand, I recommend booking a non-refundable trip....that'll usually do the trick :)
Jobless, I accepted my parents' invitation to go to Cabo, Mexico. The day after my dad booked the ticket, my dream company called me to come interview. Of course, I got the job and the most amazing part was, they told me NOT to cancel my trip. So I got to go to Cabo for a week and start full time the following Monday.
When I got back to the states this afternoon, I had several voicemails waiting for me. One to work on a freelance indie film, another to interview for a TV pilot, and one offering me an assistant job (something I had interviewed for like 2+ weeks ago). I am very happy with the job I already accepted, but it is always a confidence booster hearing a whole boatload of people want you! And to think, just two weeks ago, I was stressed and feeling utterly rejected.
Note to self: RELAX....good things will come to those who are patient and persevere.

Why I Won't Apply for Your Job . . . A snippy response (but a good one)

To contact us Click HERE
Oh my goodness!  I love this post.  It's written in response to an article entitled "Why I Won't Hire You".  And it is brilliant! Tim Gray you are quite the man for this one.  I hope and wish that employers will read this very truthful, very helpful article.
If you want to see the original article plus comments, go here. 
WHY I WONT APPLY FOR YOUR JOB..

1 - Require me to fill out your company's "application" that simply repeats all the information that is on my resume. Why are you showing me that your company is more interested in busywork than skills? You will never even look at the "application", it is a waste of everyone's time.

2 - Require yet another login to post my resume to your company's website. your company is not special, why are you cluttering up your own servers with the silly logins for people that will never be used again? Hire some competent IT people and design a resume submission system that does not require a un-needed login for them to have to remember. The best one I have seen emailed the submitter a pincode and allowed them to login with their email and pincode if they ever needed to update the resume.

3 - Post ridiculous requirements. 30+ years in java, astronaut that has been in space 10 times, has god's cellphone number. If you are letting the idiots in HR write the job description at least take some time from golf or your fantasy football to proofread the job position. It just makes you look like a very uneducated manager, a big red flag for the real professionals.

4 -Do not post a salary range. You want me to waste my time to find out you are paying 30% under industry average? Be honest and post the salary range so you get real professionals that don't want to waste our time to apply.

The above are the reasons that most companies get 5000 resumes or more for a single position that are not what they are looking for. Mostly because the hiring manager is incompetent at writing a proper job posting. The HR department think they are godlike. And everyone thinks their company is so good they don't have to give any real information about the position.

Want a better list of hires to choose from? Do the above and look like a respectable company to work for.

Honestly, if you want top notch professionals, you have to look good enough for us to apply.

Why you shouldn't buy a home on leased land

To contact us Click HERE
Photo: haven't the slightest
Did you know you could buy property without owning the land it sits on?

You're familiar with mobile homes, right? They're the most well-known example of a home you can own while paying a monthly fee to rent the ground it sits on.

But you can do the same thing with an actual house, or even a condo. You’ll find different types of leased land properties in different parts of the country. Some leased land communities are retirement or vacation home communities.

How can you identify these properties, which are often disguised in real estate listings?

-The property might have a regular street address but also have a lot number.
-The home might be priced far below similar homes in the area, or be far nicer but priced like an average home.
-The price might be a dream come true given the location, like waterfront property for the price of an inland property.
-The listing might describe the home as being in a planned development or master planned community (though traditional homes can also fit this description). 

Sometimes, it may simply appear that the property is governed by a homeowners association (HOA) because the listing might mention the association features you’ll have access to, like a community pool and playground. However, the HOA fees will be sky-high, double or triple the standard HOA rate for your area. That's because part of the HOA fee will go toward community amenities; the rest will cover your land lease fee.

I don't think these arrangements really work out in favor of homeowners, as I discuss in my Mortgage-Calc.com article, Why you shouldn't buy a home on leased land.

There are also lifestyle issues to consider. Land lease communities, like other HOA properties, can have restrictive rules such as how long guests may stay with you or what types and sizes of pets you can own.

Indeed, leased land properties often belong to HOAs. That means you not only need to understand the details of the leased land arrangement, but you should also understand what you’re getting into when you buy a home in an HOA. Learn how they work in my articles, 9 Things You Need to Know About Homeowners Associations and What Living in a Homeowners Association Means.

The FHA's 203(k) loan can help you buy a fixer-upper

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Photo: Amy Fontinelle

Here’s a common scenario that homebuyers face when they want to buy fixer-uppers: The buyers need to finance the purchase with a mortgage, but the mortgage lender will only provide funds for homes in good condition.

In today's market, many foreclosed and short-sale homes need major repairs since their owners couldn’t afford basic maintenance. Buyers who would like to earn sweat equity through purchasing and rehabbing such properties are often shut out of the mortgage market.

But the Federal Housing Administration's 203(k) program makes it possible for these types of would-be owner-occupants to get loans for fixer-upper properties (the 203(k) program is not available to investors).

If you're interested, here are a few things you should know about 203(k) loans:

-A seller might be reluctant to accept a purchase offer that’s contingent on FHA 203(k) financing because of the extra time and uncertainty involved in closing these loans.

-The program allows homeowners to do their own rehab work, but it will hold you to professional standards.

-You’ll be allowed a maximum of 6 months to complete the work whether you hire professionals or do it yourself.

-While loan proceeds can only be used to pay for professional labor--not homeowner labor--doing the work yourself could mean a smaller mortgage.

The FHA 203(k) program isn’t for the faint hearted. It takes two of life’s most expensive and stressful transactions--buying a home and doing major renovations--and adds mortgage lenders and government, two of the most difficult institutions to work with, to the mix.

But this loan program can make an otherwise impossible home purchase a reality for determined homebuyers.

For more information about this type of loan, read my Mortgage-Calc.com article, The FHA 203(k) mortgage: Home renovation helper.

A Broker's Open House Can Help You Sell Your Home

To contact us Click HERE
Photo: PhotoAtelier (Glen)


If you're selling your home, you might want to consider holding a lesser-known type of open house called a broker's open house or broker's preview.

This event gives the selling agent an opportunity to market your home to other agents who might see that your home matches the requirements of a buyer.

Find out how a broker's open house differs from a traditional open house, whether a broker's open house can help you sell your home faster, and more in my Investopedia article, A Broker's Open House Can Help You Sell Your Home.

27 Aralık 2012 Perşembe

When you want to do something but you don't

To contact us Click HERE
Have you ever really wanted to do something but at the same time you don't want to? It is a strange feeling.
What do you do when you are on a diet, you really want to eat that chocolate bar (which happens to be the only one for miles) but you see on the label that the chocolate contains fried worms and insect legs? The sensible option would be to walk away from it and say "Yuk!". But, what if you want the chocolate so much that you opt to eat it? What then?

When 'friends' hurt you

To contact us Click HERE
It is horrible when people who are supposed to be your friends hurt you.

Actually, two things are the worst; One is when the friend actually set out to hurt you on purpose (pre-meditated hurt) and the other is when no-matter what you do for them, how much time you spend on them, they decide to treat you badly - i.e. they are inconsiderate, take alot but give very little, or are just plain rude.

We have all been there haven't we? You do your best for that person, you help them, you listen to their problems, you are there for them when they need you - and how do they chose to express their gratitude and honour your friendship? Well, they say nasty things to you, ignore all you did for them, are never there when YOU need to talk about your problems and quite honestly behave like absolute tw**s!

This is not friendship.

Something Good's Around the Corner

To contact us Click HERE

For half of February, I was feeling a bit down in the dumps. I finished up a project and didn't seem to have any other prospects lined up. The one job that I thought was going to come thru kept me hanging and didn't seem to have a start date in sight. It's stressful not knowing where your next job is going to come from!
But as I have come to realize, things really do have a way of working out. If you are hard-working, ambitious, [and likeable], something good is usually just around the corner. And if you really want to give luck a hand, I recommend booking a non-refundable trip....that'll usually do the trick :)
Jobless, I accepted my parents' invitation to go to Cabo, Mexico. The day after my dad booked the ticket, my dream company called me to come interview. Of course, I got the job and the most amazing part was, they told me NOT to cancel my trip. So I got to go to Cabo for a week and start full time the following Monday.
When I got back to the states this afternoon, I had several voicemails waiting for me. One to work on a freelance indie film, another to interview for a TV pilot, and one offering me an assistant job (something I had interviewed for like 2+ weeks ago). I am very happy with the job I already accepted, but it is always a confidence booster hearing a whole boatload of people want you! And to think, just two weeks ago, I was stressed and feeling utterly rejected.
Note to self: RELAX....good things will come to those who are patient and persevere.

Lady Felon needs Jobs Search Help

To contact us Click HERE

Lady felon needs job


FelonQ: My name is Millie. On 11/8/2010. I was arrested for possession of marijuana with intent to distribute.  While driving my boyfriends car for him to have him drop me back off at home we were stopped by the police. I remained in the car while he jumped out and ran.

This was my first time ever getting in trouble with the law besides speeding tickets. I answered all the questions for them gave them his name address, where he lived, etc.. etc.. i was placed under arrest after they searched his vehicle. I was embarrassed didn't know who to call.  One of the ladies who was in booking with me told me to use my free call and call a bondsman. I had court the next morning was given a court appointed attorney an was out on bond...I had absolutely no money to pay this bondsman back, and then i began selling personal items on Ebay because I
was given 60 days to pay off the bondsman.

I lost my job working for one of the highest paying companies in Florence, SC and just completed my bachelors degree at the university here. About 2 months later they found my boyfriend and charged him with the same exact charged. He denied that it was his and instead of a free lawyer he actually hired a lawyer. After I investigated his lawyer that he hired found out that he was one of the best her in the town and was known to get drug offenders a must lighter sentence.


I just wanted it to be over so a couple months later I told my lawyer that I'm just ready to have the judge sentence me.  My lawyer never told me about PTI, explained to me about pardons, expungement, NOTHING.  I went to court and pleaded with the judge to lower my charge. I'm a good person and law abiding citizen. I'm working on my masters degree.  He showed NO mercy on my at all.  Told me I need to pick better boyfriends sentenced me to time served and suspended my sentence of 5 years 3 years probation. 3 years!

I met with my probation officer three times and was on probation for 3 months. She told me that she would recommend that I be released from being on probation because I'm not like the normal people she dealt with.  All I had to do was pay my fines and she would release me early.  I was broke.  I told her I didn't have the money to pay the supervising fees nor the court fees...... :-(  I started dancing for money at private parties and at local strip clubs. I never danced before.  It never crossed my mind, and the girls that danced with me all had a troubled backgrounds relating to abuse, low self-esteem, etc. I danced for a month and decided to quit.  I quit because I was raped at a bachelor party that me and another dancer did.  I never reported it or told anyone.  I just simply stopped dancing all together and the money I had saved was enough to pay my probation officer off and to apply for a pardon.

I have sought help from my local one stop. I have received the bonding paperwork from them. I have been offered several jobs but once my background check came back or they found out, the offers were taken

Felon

back!!! From high paying jobs to low paying jobs. From sales job to waitressing jobs.

I'm unable to receive any government assistance.  I go to food banks for food and groceries.

I need help finding employment.  I have always worked since I was 15 and now not working for nearly two years have completely change my entire outlook on life. I never thought in a million years I would be where I'm at today. I set a goal for myself daily to apply for 25 jobs a day!!! I have sought help for depression from my local vocational rehabilitation center and was denied because they advised me its not a disability. I know everyone says their story is different but I can promise you mine is.

Can you help me????

A: Hello Millie,

I agree with the judge on the fact that you should pick better friends.  I have several suggestions for you.  I encourage every felon I meet to be absolutely honest when applying for jobs.  I know there is often a temptation to not be honest on applications, but what good is it to get a job, only to lose it when the background check comes back.  Honesty is always the best policy.

As for finding a job, don't give up on the One-stop Career Center just because there was no job for you then.  There are new jobs added to lists everyday.  Another suggestion is to contact the local United Way office.  The United Way supports many social services agencies that help you in many ways.  many of these agencies are felon friendly.  They may also contacts to organizations that have hired a felon in the past.   Stay on good terms with your probation officer. She may have know of companies who have hired her clients in the past.

My final suggestion is to apply for every job you feel you are qualified for.  Don't believe that because you are a felon, you are automatically disqualified from being hired.  Be honest, put your best foot forward and be prepared to talk about your past in a positive way.

I hope this helps.


  Where can a felon find jobs? 

  

Are you an ex-offender or felon who has a question about finding a job with a criminal record? You could have your question answered right here.  'Eric Mayo helps Felons and Ex-offenders get Jobs
 

Email your question to: adogzheart2@gmail.com.


If you are really serious about finding a job with a criminal record, or you want to help someone you care about, visit my website From Jail to a Job

Felon

Felon looking for job opportunities

Many companies hire ex-offenders and felons

To contact us Click HERE

Ex-offenders and felons can find jobs


FelonsFinding jobs for ex-offenders and felons is a very difficult task.  I know, I have been helping ex-offenders ad felons get jobs for many years.  I wish there was one thing I can tell them that would make this job easier, but the fact is, it will take a plan and a lot of hard work.

Unfortunately, too many felons consider themselves victims of society that are constantly discriminated against for things they have done in the past. 

When a felon is released, the sooner he or she finds gainful employment the lower the risk of re-offending

FelonsAs I tell my students, don't expect anyone to feel sorry for you.  Don't look for any sort of favors.  There are few to be found.  There are ex-offenders and felons hired everyday.  You have the right skills and attitude you could be a big asset to the right company. Jobs are not going to come to you.  You will have to get out and compete for them.  Anytime someone else wants the same thing you want, you have to compete for it. Unfortunately, the playing field is not level.  You have a criminal record which will put you at a disadvantage when it comes to competing for jobs.  This does not make things impossible, just a little more difficult.  The only way to overcome this disadvantage is to work harder and smarter. My question is, do you have what it takes to get a job? Filling out a few applications a week and spending the rest of your time hanging out or playing video games won't get you a job.  You must plan to put in 40 hours per week, finding job openings, writing letters, making phone calls, filling out applications and working on your interviewing skills. 

There are ex-offenders and felons hired everyday.  If you have the right skills and attitude you could be a big asset to the right company.  Let's look at some things you will need to increase you chances of getting a job.
.
A Resume

Everyone looking for a job should have a resume.  A resume is an individual summary of your background, experience, training and skills that helps you to present your best qualities to an employer.  If you have a resume, have a professional person look at it to judge it's quality.  If you do not have a well written resume, I suggest you get some help putting one together.

Proper Interview Clothing

felonsDo you have appropriate interview clothing?  A well fitting suit with a nice shirt and tie would be Ideal.  That may not be possible for someone just getting back into society but I suggest that men at least have dress slacks, a light colored shirt and a coordinated tie.  You should also have a pair of shoes that you can shine.  No boots, no sneakers…shoes!  Many of my students but their interview clothing at thrift stores.  They find quality clothes ant very low prices, clean and press them and they are ready to interview.  No matter how you get them, the right clothes makes all the difference. You should also have a neat haircut be clean shaven.  If you wear a beard, it should be neat and trimmed.   How do you look?  Do you look like an ex-offender or a businessman?  Do you look like you are going to a business meeting? You should - an interview is a business meeting.  You should always look like a professional who is there to conduct business!  Always dress like you have an interview even to fill out applications. You also want to leave the employer with the impression that you have class. You will never get a second chance to make a first impression.

Interviewing Skills

While your resume may get you an interview, it’s your performance on the interview that will get you the job. Remember you are going to a business meeting so be personable and friendly but keep it businesslike. Do not reveal too much information.  give full responses to the interviewer's questions but never volunteer information that is not asked for.  If the question of your record comes up, briefly acknowledge it but do not spend too much time talking about it.  Focus on what has happened since your conviction and what you have done to make yourself a better person.  Develop a friendly smile and a good handshake. You have to make the interviewer forget that you are an ex-offender.  Get a friend or family member to help you by playing the part of the interviewer.  Practice will pay off.

Finding Job Leads

The most effective method of finding job leads is by networking.  Networking is simply talking to people you already know and asking if the know of any job openings.  Believe it or not, this how most people get their jobs.  Employers save time and energy by hiring people that are referred to them.

Another great source of good opportunities is to apply for temporary employment.  A lot of employers need temporary help. Many temporary employees are hired permanently if they prove to be good workers. Smaller independent agencies are a better choice than larger, nationally known ones. Independent agencies do not have the same hiring restrictions that may exclude ex-offenders are free to hire anyone they choose.  They are more likely to hire a person with a criminal record.  You may find some in your local telephone directory.  Apply to them as you would any other employer.

I encourage all ex-offenders and felons looking for jobs to go to their local One-stop Career Center.  You will find a long list of services that can help you find work.  You will also find lists of available jobs in your area.  There are also counselors who can provide one-on-one assistance.  Often the counselors have experience helping ex-offenders and felons and know of employers who may hire them.  The counselors can also help you find opportunities for vocational training that could lead to a new career. 

You can find you nearest One-stop Career Center here:

http://servicelocator.org

There are also government programs that can help ex-offenders and felons get jobs.  The first is the Federal Bonding Program.  Some employers are fearful of hiring ex-offenders or felons since they feel their criminal histories make them more likely to steal, commit fraud or be dishonest in other ways.

A bond is an insurance policy that protects an employer against money or property loss due to employee dishonesty. Most felons cannot be bonded by private insurance companies.  The Federal Bonding Program is sponsored by the government through the Department of Labor. This program was created to help high-risk, but otherwise qualified, job seekers who have offers of employment.  The Federal Bonding Program offers insurance policies that protect employers against any possible losses incurred due to actions by high-risk employees. The program is designed to help ex-offenders and felons who need a second chance.

These bonds are free of charge to both the applicant and the employer and can be issued for any job at any employer in any state. Any full or part-time employee paid wages (with Federal taxes automatically withheld) can be bonded, including persons hired by temporary employment agencies. You can find out more about the Federal Bonding Program here:

Federal Bonding Program, ETA/DOL1725 De Sales Street, NW Suite 700Washington, DC 200361 (800) 233-2258
http://www.bonds4jobs.com/state-coordinators.html

Always remind interviewers that you can be bonded.

Finally, a great incentive for employers to hire ex-offenders and felons is the  Work Opportunity Tax Credit or WOTC.  The Work Opportunity Tax Credit (WOTC) is a federal income tax benefit administered by the U.S. Department of Labor  for private employers who hire individuals from specified target populations.  One of the target populations are ex-offenders and felons who have completed their sentences within the past year.   The WOTC reduces a business’s federal tax liability, serving as an incentive to hire otherwise difficult to employ people.  Eligible employers can receive a federal tax credit up to $4,800 for each qualified employee.

You can get more information here:

http://www.doleta.gov/business/incentives/opptax/http://www.doleta.gov/business/incentives/opptax/

There are many opportunities for ex-offenders and felons to get jobs if they are willing to put in the time and effort.  Hard work, dedication and a definite plan of action will lead to jobs.



Where can ex-offenders and convicted felons find jobs

 Are you an ex-offender or felon who has a question about finding a job with a criminal record?  I have been helping ex-offenders and felons get jobs for over ten years and I feel I have an understanding of what works. I will be updating this blog often. I will answer specific questions relating to getting a job with a criminal record on this blog so feel free to send me your questions.   The right information could help a felon get jobs.  You could have your question answered right here. Email your question to: BelievePublications@comcast.net.

If you are a felon and really serious about getting a job or you want to help someone you care about get a job, check out this link: From Jail to a Job

Many companies hire ex-offenders and felons

20 Aralık 2012 Perşembe

A Broker's Open House Can Help You Sell Your Home

To contact us Click HERE
Photo: PhotoAtelier (Glen)


If you're selling your home, you might want to consider holding a lesser-known type of open house called a broker's open house or broker's preview.

This event gives the selling agent an opportunity to market your home to other agents who might see that your home matches the requirements of a buyer.

Find out how a broker's open house differs from a traditional open house, whether a broker's open house can help you sell your home faster, and more in my Investopedia article, A Broker's Open House Can Help You Sell Your Home.

Why I Won't Apply for Your Job . . . A snippy response (but a good one)

To contact us Click HERE
Oh my goodness!  I love this post.  It's written in response to an article entitled "Why I Won't Hire You".  And it is brilliant! Tim Gray you are quite the man for this one.  I hope and wish that employers will read this very truthful, very helpful article.
If you want to see the original article plus comments, go here. 
WHY I WONT APPLY FOR YOUR JOB..

1 - Require me to fill out your company's "application" that simply repeats all the information that is on my resume. Why are you showing me that your company is more interested in busywork than skills? You will never even look at the "application", it is a waste of everyone's time.

2 - Require yet another login to post my resume to your company's website. your company is not special, why are you cluttering up your own servers with the silly logins for people that will never be used again? Hire some competent IT people and design a resume submission system that does not require a un-needed login for them to have to remember. The best one I have seen emailed the submitter a pincode and allowed them to login with their email and pincode if they ever needed to update the resume.

3 - Post ridiculous requirements. 30+ years in java, astronaut that has been in space 10 times, has god's cellphone number. If you are letting the idiots in HR write the job description at least take some time from golf or your fantasy football to proofread the job position. It just makes you look like a very uneducated manager, a big red flag for the real professionals.

4 -Do not post a salary range. You want me to waste my time to find out you are paying 30% under industry average? Be honest and post the salary range so you get real professionals that don't want to waste our time to apply.

The above are the reasons that most companies get 5000 resumes or more for a single position that are not what they are looking for. Mostly because the hiring manager is incompetent at writing a proper job posting. The HR department think they are godlike. And everyone thinks their company is so good they don't have to give any real information about the position.

Want a better list of hires to choose from? Do the above and look like a respectable company to work for.

Honestly, if you want top notch professionals, you have to look good enough for us to apply.

When you want to do something but you don't

To contact us Click HERE
Have you ever really wanted to do something but at the same time you don't want to? It is a strange feeling.
What do you do when you are on a diet, you really want to eat that chocolate bar (which happens to be the only one for miles) but you see on the label that the chocolate contains fried worms and insect legs? The sensible option would be to walk away from it and say "Yuk!". But, what if you want the chocolate so much that you opt to eat it? What then?

When 'friends' hurt you

To contact us Click HERE
It is horrible when people who are supposed to be your friends hurt you.

Actually, two things are the worst; One is when the friend actually set out to hurt you on purpose (pre-meditated hurt) and the other is when no-matter what you do for them, how much time you spend on them, they decide to treat you badly - i.e. they are inconsiderate, take alot but give very little, or are just plain rude.

We have all been there haven't we? You do your best for that person, you help them, you listen to their problems, you are there for them when they need you - and how do they chose to express their gratitude and honour your friendship? Well, they say nasty things to you, ignore all you did for them, are never there when YOU need to talk about your problems and quite honestly behave like absolute tw**s!

This is not friendship.

Something Good's Around the Corner

To contact us Click HERE

For half of February, I was feeling a bit down in the dumps. I finished up a project and didn't seem to have any other prospects lined up. The one job that I thought was going to come thru kept me hanging and didn't seem to have a start date in sight. It's stressful not knowing where your next job is going to come from!
But as I have come to realize, things really do have a way of working out. If you are hard-working, ambitious, [and likeable], something good is usually just around the corner. And if you really want to give luck a hand, I recommend booking a non-refundable trip....that'll usually do the trick :)
Jobless, I accepted my parents' invitation to go to Cabo, Mexico. The day after my dad booked the ticket, my dream company called me to come interview. Of course, I got the job and the most amazing part was, they told me NOT to cancel my trip. So I got to go to Cabo for a week and start full time the following Monday.
When I got back to the states this afternoon, I had several voicemails waiting for me. One to work on a freelance indie film, another to interview for a TV pilot, and one offering me an assistant job (something I had interviewed for like 2+ weeks ago). I am very happy with the job I already accepted, but it is always a confidence booster hearing a whole boatload of people want you! And to think, just two weeks ago, I was stressed and feeling utterly rejected.
Note to self: RELAX....good things will come to those who are patient and persevere.

16 Aralık 2012 Pazar

A Broker's Open House Can Help You Sell Your Home

To contact us Click HERE
Photo: PhotoAtelier (Glen)


If you're selling your home, you might want to consider holding a lesser-known type of open house called a broker's open house or broker's preview.

This event gives the selling agent an opportunity to market your home to other agents who might see that your home matches the requirements of a buyer.

Find out how a broker's open house differs from a traditional open house, whether a broker's open house can help you sell your home faster, and more in my Investopedia article, A Broker's Open House Can Help You Sell Your Home.

Why I Won't Apply for Your Job . . . A snippy response (but a good one)

To contact us Click HERE
Oh my goodness!  I love this post.  It's written in response to an article entitled "Why I Won't Hire You".  And it is brilliant! Tim Gray you are quite the man for this one.  I hope and wish that employers will read this very truthful, very helpful article.
If you want to see the original article plus comments, go here. 
WHY I WONT APPLY FOR YOUR JOB..

1 - Require me to fill out your company's "application" that simply repeats all the information that is on my resume. Why are you showing me that your company is more interested in busywork than skills? You will never even look at the "application", it is a waste of everyone's time.

2 - Require yet another login to post my resume to your company's website. your company is not special, why are you cluttering up your own servers with the silly logins for people that will never be used again? Hire some competent IT people and design a resume submission system that does not require a un-needed login for them to have to remember. The best one I have seen emailed the submitter a pincode and allowed them to login with their email and pincode if they ever needed to update the resume.

3 - Post ridiculous requirements. 30+ years in java, astronaut that has been in space 10 times, has god's cellphone number. If you are letting the idiots in HR write the job description at least take some time from golf or your fantasy football to proofread the job position. It just makes you look like a very uneducated manager, a big red flag for the real professionals.

4 -Do not post a salary range. You want me to waste my time to find out you are paying 30% under industry average? Be honest and post the salary range so you get real professionals that don't want to waste our time to apply.

The above are the reasons that most companies get 5000 resumes or more for a single position that are not what they are looking for. Mostly because the hiring manager is incompetent at writing a proper job posting. The HR department think they are godlike. And everyone thinks their company is so good they don't have to give any real information about the position.

Want a better list of hires to choose from? Do the above and look like a respectable company to work for.

Honestly, if you want top notch professionals, you have to look good enough for us to apply.

When you want to do something but you don't

To contact us Click HERE
Have you ever really wanted to do something but at the same time you don't want to? It is a strange feeling.
What do you do when you are on a diet, you really want to eat that chocolate bar (which happens to be the only one for miles) but you see on the label that the chocolate contains fried worms and insect legs? The sensible option would be to walk away from it and say "Yuk!". But, what if you want the chocolate so much that you opt to eat it? What then?

When 'friends' hurt you

To contact us Click HERE
It is horrible when people who are supposed to be your friends hurt you.

Actually, two things are the worst; One is when the friend actually set out to hurt you on purpose (pre-meditated hurt) and the other is when no-matter what you do for them, how much time you spend on them, they decide to treat you badly - i.e. they are inconsiderate, take alot but give very little, or are just plain rude.

We have all been there haven't we? You do your best for that person, you help them, you listen to their problems, you are there for them when they need you - and how do they chose to express their gratitude and honour your friendship? Well, they say nasty things to you, ignore all you did for them, are never there when YOU need to talk about your problems and quite honestly behave like absolute tw**s!

This is not friendship.

Something Good's Around the Corner

To contact us Click HERE

For half of February, I was feeling a bit down in the dumps. I finished up a project and didn't seem to have any other prospects lined up. The one job that I thought was going to come thru kept me hanging and didn't seem to have a start date in sight. It's stressful not knowing where your next job is going to come from!
But as I have come to realize, things really do have a way of working out. If you are hard-working, ambitious, [and likeable], something good is usually just around the corner. And if you really want to give luck a hand, I recommend booking a non-refundable trip....that'll usually do the trick :)
Jobless, I accepted my parents' invitation to go to Cabo, Mexico. The day after my dad booked the ticket, my dream company called me to come interview. Of course, I got the job and the most amazing part was, they told me NOT to cancel my trip. So I got to go to Cabo for a week and start full time the following Monday.
When I got back to the states this afternoon, I had several voicemails waiting for me. One to work on a freelance indie film, another to interview for a TV pilot, and one offering me an assistant job (something I had interviewed for like 2+ weeks ago). I am very happy with the job I already accepted, but it is always a confidence booster hearing a whole boatload of people want you! And to think, just two weeks ago, I was stressed and feeling utterly rejected.
Note to self: RELAX....good things will come to those who are patient and persevere.

12 Aralık 2012 Çarşamba

Why you shouldn't buy a home on leased land

To contact us Click HERE
Photo: haven't the slightest
Did you know you could buy property without owning the land it sits on?

You're familiar with mobile homes, right? They're the most well-known example of a home you can own while paying a monthly fee to rent the ground it sits on.

But you can do the same thing with an actual house, or even a condo. You’ll find different types of leased land properties in different parts of the country. Some leased land communities are retirement or vacation home communities.

How can you identify these properties, which are often disguised in real estate listings?

-The property might have a regular street address but also have a lot number.
-The home might be priced far below similar homes in the area, or be far nicer but priced like an average home.
-The price might be a dream come true given the location, like waterfront property for the price of an inland property.
-The listing might describe the home as being in a planned development or master planned community (though traditional homes can also fit this description). 

Sometimes, it may simply appear that the property is governed by a homeowners association (HOA) because the listing might mention the association features you’ll have access to, like a community pool and playground. However, the HOA fees will be sky-high, double or triple the standard HOA rate for your area. That's because part of the HOA fee will go toward community amenities; the rest will cover your land lease fee.

I don't think these arrangements really work out in favor of homeowners, as I discuss in my Mortgage-Calc.com article, Why you shouldn't buy a home on leased land.

There are also lifestyle issues to consider. Land lease communities, like other HOA properties, can have restrictive rules such as how long guests may stay with you or what types and sizes of pets you can own.

Indeed, leased land properties often belong to HOAs. That means you not only need to understand the details of the leased land arrangement, but you should also understand what you’re getting into when you buy a home in an HOA. Learn how they work in my articles, 9 Things You Need to Know About Homeowners Associations and What Living in a Homeowners Association Means.

The FHA's 203(k) loan can help you buy a fixer-upper

To contact us Click HERE
Photo: Amy Fontinelle

Here’s a common scenario that homebuyers face when they want to buy fixer-uppers: The buyers need to finance the purchase with a mortgage, but the mortgage lender will only provide funds for homes in good condition.

In today's market, many foreclosed and short-sale homes need major repairs since their owners couldn’t afford basic maintenance. Buyers who would like to earn sweat equity through purchasing and rehabbing such properties are often shut out of the mortgage market.

But the Federal Housing Administration's 203(k) program makes it possible for these types of would-be owner-occupants to get loans for fixer-upper properties (the 203(k) program is not available to investors).

If you're interested, here are a few things you should know about 203(k) loans:

-A seller might be reluctant to accept a purchase offer that’s contingent on FHA 203(k) financing because of the extra time and uncertainty involved in closing these loans.

-The program allows homeowners to do their own rehab work, but it will hold you to professional standards.

-You’ll be allowed a maximum of 6 months to complete the work whether you hire professionals or do it yourself.

-While loan proceeds can only be used to pay for professional labor--not homeowner labor--doing the work yourself could mean a smaller mortgage.

The FHA 203(k) program isn’t for the faint hearted. It takes two of life’s most expensive and stressful transactions--buying a home and doing major renovations--and adds mortgage lenders and government, two of the most difficult institutions to work with, to the mix.

But this loan program can make an otherwise impossible home purchase a reality for determined homebuyers.

For more information about this type of loan, read my Mortgage-Calc.com article, The FHA 203(k) mortgage: Home renovation helper.

A Broker's Open House Can Help You Sell Your Home

To contact us Click HERE
Photo: PhotoAtelier (Glen)


If you're selling your home, you might want to consider holding a lesser-known type of open house called a broker's open house or broker's preview.

This event gives the selling agent an opportunity to market your home to other agents who might see that your home matches the requirements of a buyer.

Find out how a broker's open house differs from a traditional open house, whether a broker's open house can help you sell your home faster, and more in my Investopedia article, A Broker's Open House Can Help You Sell Your Home.

Why I Won't Apply for Your Job . . . A snippy response (but a good one)

To contact us Click HERE
Oh my goodness!  I love this post.  It's written in response to an article entitled "Why I Won't Hire You".  And it is brilliant! Tim Gray you are quite the man for this one.  I hope and wish that employers will read this very truthful, very helpful article.
If you want to see the original article plus comments, go here. 
WHY I WONT APPLY FOR YOUR JOB..

1 - Require me to fill out your company's "application" that simply repeats all the information that is on my resume. Why are you showing me that your company is more interested in busywork than skills? You will never even look at the "application", it is a waste of everyone's time.

2 - Require yet another login to post my resume to your company's website. your company is not special, why are you cluttering up your own servers with the silly logins for people that will never be used again? Hire some competent IT people and design a resume submission system that does not require a un-needed login for them to have to remember. The best one I have seen emailed the submitter a pincode and allowed them to login with their email and pincode if they ever needed to update the resume.

3 - Post ridiculous requirements. 30+ years in java, astronaut that has been in space 10 times, has god's cellphone number. If you are letting the idiots in HR write the job description at least take some time from golf or your fantasy football to proofread the job position. It just makes you look like a very uneducated manager, a big red flag for the real professionals.

4 -Do not post a salary range. You want me to waste my time to find out you are paying 30% under industry average? Be honest and post the salary range so you get real professionals that don't want to waste our time to apply.

The above are the reasons that most companies get 5000 resumes or more for a single position that are not what they are looking for. Mostly because the hiring manager is incompetent at writing a proper job posting. The HR department think they are godlike. And everyone thinks their company is so good they don't have to give any real information about the position.

Want a better list of hires to choose from? Do the above and look like a respectable company to work for.

Honestly, if you want top notch professionals, you have to look good enough for us to apply.

Something Good's Around the Corner

To contact us Click HERE

For half of February, I was feeling a bit down in the dumps. I finished up a project and didn't seem to have any other prospects lined up. The one job that I thought was going to come thru kept me hanging and didn't seem to have a start date in sight. It's stressful not knowing where your next job is going to come from!
But as I have come to realize, things really do have a way of working out. If you are hard-working, ambitious, [and likeable], something good is usually just around the corner. And if you really want to give luck a hand, I recommend booking a non-refundable trip....that'll usually do the trick :)
Jobless, I accepted my parents' invitation to go to Cabo, Mexico. The day after my dad booked the ticket, my dream company called me to come interview. Of course, I got the job and the most amazing part was, they told me NOT to cancel my trip. So I got to go to Cabo for a week and start full time the following Monday.
When I got back to the states this afternoon, I had several voicemails waiting for me. One to work on a freelance indie film, another to interview for a TV pilot, and one offering me an assistant job (something I had interviewed for like 2+ weeks ago). I am very happy with the job I already accepted, but it is always a confidence booster hearing a whole boatload of people want you! And to think, just two weeks ago, I was stressed and feeling utterly rejected.
Note to self: RELAX....good things will come to those who are patient and persevere.

11 Aralık 2012 Salı

Why you shouldn't buy a home on leased land

To contact us Click HERE
Photo: haven't the slightest
Did you know you could buy property without owning the land it sits on?

You're familiar with mobile homes, right? They're the most well-known example of a home you can own while paying a monthly fee to rent the ground it sits on.

But you can do the same thing with an actual house, or even a condo. You’ll find different types of leased land properties in different parts of the country. Some leased land communities are retirement or vacation home communities.

How can you identify these properties, which are often disguised in real estate listings?

-The property might have a regular street address but also have a lot number.
-The home might be priced far below similar homes in the area, or be far nicer but priced like an average home.
-The price might be a dream come true given the location, like waterfront property for the price of an inland property.
-The listing might describe the home as being in a planned development or master planned community (though traditional homes can also fit this description). 

Sometimes, it may simply appear that the property is governed by a homeowners association (HOA) because the listing might mention the association features you’ll have access to, like a community pool and playground. However, the HOA fees will be sky-high, double or triple the standard HOA rate for your area. That's because part of the HOA fee will go toward community amenities; the rest will cover your land lease fee.

I don't think these arrangements really work out in favor of homeowners, as I discuss in my Mortgage-Calc.com article, Why you shouldn't buy a home on leased land.

There are also lifestyle issues to consider. Land lease communities, like other HOA properties, can have restrictive rules such as how long guests may stay with you or what types and sizes of pets you can own.

Indeed, leased land properties often belong to HOAs. That means you not only need to understand the details of the leased land arrangement, but you should also understand what you’re getting into when you buy a home in an HOA. Learn how they work in my articles, 9 Things You Need to Know About Homeowners Associations and What Living in a Homeowners Association Means.

The FHA's 203(k) loan can help you buy a fixer-upper

To contact us Click HERE
Photo: Amy Fontinelle

Here’s a common scenario that homebuyers face when they want to buy fixer-uppers: The buyers need to finance the purchase with a mortgage, but the mortgage lender will only provide funds for homes in good condition.

In today's market, many foreclosed and short-sale homes need major repairs since their owners couldn’t afford basic maintenance. Buyers who would like to earn sweat equity through purchasing and rehabbing such properties are often shut out of the mortgage market.

But the Federal Housing Administration's 203(k) program makes it possible for these types of would-be owner-occupants to get loans for fixer-upper properties (the 203(k) program is not available to investors).

If you're interested, here are a few things you should know about 203(k) loans:

-A seller might be reluctant to accept a purchase offer that’s contingent on FHA 203(k) financing because of the extra time and uncertainty involved in closing these loans.

-The program allows homeowners to do their own rehab work, but it will hold you to professional standards.

-You’ll be allowed a maximum of 6 months to complete the work whether you hire professionals or do it yourself.

-While loan proceeds can only be used to pay for professional labor--not homeowner labor--doing the work yourself could mean a smaller mortgage.

The FHA 203(k) program isn’t for the faint hearted. It takes two of life’s most expensive and stressful transactions--buying a home and doing major renovations--and adds mortgage lenders and government, two of the most difficult institutions to work with, to the mix.

But this loan program can make an otherwise impossible home purchase a reality for determined homebuyers.

For more information about this type of loan, read my Mortgage-Calc.com article, The FHA 203(k) mortgage: Home renovation helper.

A Broker's Open House Can Help You Sell Your Home

To contact us Click HERE
Photo: PhotoAtelier (Glen)


If you're selling your home, you might want to consider holding a lesser-known type of open house called a broker's open house or broker's preview.

This event gives the selling agent an opportunity to market your home to other agents who might see that your home matches the requirements of a buyer.

Find out how a broker's open house differs from a traditional open house, whether a broker's open house can help you sell your home faster, and more in my Investopedia article, A Broker's Open House Can Help You Sell Your Home.

When you want to do something but you don't

To contact us Click HERE
Have you ever really wanted to do something but at the same time you don't want to? It is a strange feeling.
What do you do when you are on a diet, you really want to eat that chocolate bar (which happens to be the only one for miles) but you see on the label that the chocolate contains fried worms and insect legs? The sensible option would be to walk away from it and say "Yuk!". But, what if you want the chocolate so much that you opt to eat it? What then?

When 'friends' hurt you

To contact us Click HERE
It is horrible when people who are supposed to be your friends hurt you.

Actually, two things are the worst; One is when the friend actually set out to hurt you on purpose (pre-meditated hurt) and the other is when no-matter what you do for them, how much time you spend on them, they decide to treat you badly - i.e. they are inconsiderate, take alot but give very little, or are just plain rude.

We have all been there haven't we? You do your best for that person, you help them, you listen to their problems, you are there for them when they need you - and how do they chose to express their gratitude and honour your friendship? Well, they say nasty things to you, ignore all you did for them, are never there when YOU need to talk about your problems and quite honestly behave like absolute tw**s!

This is not friendship.

8 Aralık 2012 Cumartesi

When you want to do something but you don't

To contact us Click HERE
Have you ever really wanted to do something but at the same time you don't want to? It is a strange feeling.
What do you do when you are on a diet, you really want to eat that chocolate bar (which happens to be the only one for miles) but you see on the label that the chocolate contains fried worms and insect legs? The sensible option would be to walk away from it and say "Yuk!". But, what if you want the chocolate so much that you opt to eat it? What then?

When 'friends' hurt you

To contact us Click HERE
It is horrible when people who are supposed to be your friends hurt you.

Actually, two things are the worst; One is when the friend actually set out to hurt you on purpose (pre-meditated hurt) and the other is when no-matter what you do for them, how much time you spend on them, they decide to treat you badly - i.e. they are inconsiderate, take alot but give very little, or are just plain rude.

We have all been there haven't we? You do your best for that person, you help them, you listen to their problems, you are there for them when they need you - and how do they chose to express their gratitude and honour your friendship? Well, they say nasty things to you, ignore all you did for them, are never there when YOU need to talk about your problems and quite honestly behave like absolute tw**s!

This is not friendship.

Why you shouldn't buy a home on leased land

To contact us Click HERE
Photo: haven't the slightest
Did you know you could buy property without owning the land it sits on?

You're familiar with mobile homes, right? They're the most well-known example of a home you can own while paying a monthly fee to rent the ground it sits on.

But you can do the same thing with an actual house, or even a condo. You’ll find different types of leased land properties in different parts of the country. Some leased land communities are retirement or vacation home communities.

How can you identify these properties, which are often disguised in real estate listings?

-The property might have a regular street address but also have a lot number.
-The home might be priced far below similar homes in the area, or be far nicer but priced like an average home.
-The price might be a dream come true given the location, like waterfront property for the price of an inland property.
-The listing might describe the home as being in a planned development or master planned community (though traditional homes can also fit this description). 

Sometimes, it may simply appear that the property is governed by a homeowners association (HOA) because the listing might mention the association features you’ll have access to, like a community pool and playground. However, the HOA fees will be sky-high, double or triple the standard HOA rate for your area. That's because part of the HOA fee will go toward community amenities; the rest will cover your land lease fee.

I don't think these arrangements really work out in favor of homeowners, as I discuss in my Mortgage-Calc.com article, Why you shouldn't buy a home on leased land.

There are also lifestyle issues to consider. Land lease communities, like other HOA properties, can have restrictive rules such as how long guests may stay with you or what types and sizes of pets you can own.

Indeed, leased land properties often belong to HOAs. That means you not only need to understand the details of the leased land arrangement, but you should also understand what you’re getting into when you buy a home in an HOA. Learn how they work in my articles, 9 Things You Need to Know About Homeowners Associations and What Living in a Homeowners Association Means.

The FHA's 203(k) loan can help you buy a fixer-upper

To contact us Click HERE
Photo: Amy Fontinelle

Here’s a common scenario that homebuyers face when they want to buy fixer-uppers: The buyers need to finance the purchase with a mortgage, but the mortgage lender will only provide funds for homes in good condition.

In today's market, many foreclosed and short-sale homes need major repairs since their owners couldn’t afford basic maintenance. Buyers who would like to earn sweat equity through purchasing and rehabbing such properties are often shut out of the mortgage market.

But the Federal Housing Administration's 203(k) program makes it possible for these types of would-be owner-occupants to get loans for fixer-upper properties (the 203(k) program is not available to investors).

If you're interested, here are a few things you should know about 203(k) loans:

-A seller might be reluctant to accept a purchase offer that’s contingent on FHA 203(k) financing because of the extra time and uncertainty involved in closing these loans.

-The program allows homeowners to do their own rehab work, but it will hold you to professional standards.

-You’ll be allowed a maximum of 6 months to complete the work whether you hire professionals or do it yourself.

-While loan proceeds can only be used to pay for professional labor--not homeowner labor--doing the work yourself could mean a smaller mortgage.

The FHA 203(k) program isn’t for the faint hearted. It takes two of life’s most expensive and stressful transactions--buying a home and doing major renovations--and adds mortgage lenders and government, two of the most difficult institutions to work with, to the mix.

But this loan program can make an otherwise impossible home purchase a reality for determined homebuyers.

For more information about this type of loan, read my Mortgage-Calc.com article, The FHA 203(k) mortgage: Home renovation helper.

A Broker's Open House Can Help You Sell Your Home

To contact us Click HERE
Photo: PhotoAtelier (Glen)


If you're selling your home, you might want to consider holding a lesser-known type of open house called a broker's open house or broker's preview.

This event gives the selling agent an opportunity to market your home to other agents who might see that your home matches the requirements of a buyer.

Find out how a broker's open house differs from a traditional open house, whether a broker's open house can help you sell your home faster, and more in my Investopedia article, A Broker's Open House Can Help You Sell Your Home.

7 Aralık 2012 Cuma

Why you shouldn't buy a home on leased land

To contact us Click HERE
Photo: haven't the slightest
Did you know you could buy property without owning the land it sits on?

You're familiar with mobile homes, right? They're the most well-known example of a home you can own while paying a monthly fee to rent the ground it sits on.

But you can do the same thing with an actual house, or even a condo. You’ll find different types of leased land properties in different parts of the country. Some leased land communities are retirement or vacation home communities.

How can you identify these properties, which are often disguised in real estate listings?

-The property might have a regular street address but also have a lot number.
-The home might be priced far below similar homes in the area, or be far nicer but priced like an average home.
-The price might be a dream come true given the location, like waterfront property for the price of an inland property.
-The listing might describe the home as being in a planned development or master planned community (though traditional homes can also fit this description). 

Sometimes, it may simply appear that the property is governed by a homeowners association (HOA) because the listing might mention the association features you’ll have access to, like a community pool and playground. However, the HOA fees will be sky-high, double or triple the standard HOA rate for your area. That's because part of the HOA fee will go toward community amenities; the rest will cover your land lease fee.

I don't think these arrangements really work out in favor of homeowners, as I discuss in my Mortgage-Calc.com article, Why you shouldn't buy a home on leased land.

There are also lifestyle issues to consider. Land lease communities, like other HOA properties, can have restrictive rules such as how long guests may stay with you or what types and sizes of pets you can own.

Indeed, leased land properties often belong to HOAs. That means you not only need to understand the details of the leased land arrangement, but you should also understand what you’re getting into when you buy a home in an HOA. Learn how they work in my articles, 9 Things You Need to Know About Homeowners Associations and What Living in a Homeowners Association Means.

The FHA's 203(k) loan can help you buy a fixer-upper

To contact us Click HERE
Photo: Amy Fontinelle

Here’s a common scenario that homebuyers face when they want to buy fixer-uppers: The buyers need to finance the purchase with a mortgage, but the mortgage lender will only provide funds for homes in good condition.

In today's market, many foreclosed and short-sale homes need major repairs since their owners couldn’t afford basic maintenance. Buyers who would like to earn sweat equity through purchasing and rehabbing such properties are often shut out of the mortgage market.

But the Federal Housing Administration's 203(k) program makes it possible for these types of would-be owner-occupants to get loans for fixer-upper properties (the 203(k) program is not available to investors).

If you're interested, here are a few things you should know about 203(k) loans:

-A seller might be reluctant to accept a purchase offer that’s contingent on FHA 203(k) financing because of the extra time and uncertainty involved in closing these loans.

-The program allows homeowners to do their own rehab work, but it will hold you to professional standards.

-You’ll be allowed a maximum of 6 months to complete the work whether you hire professionals or do it yourself.

-While loan proceeds can only be used to pay for professional labor--not homeowner labor--doing the work yourself could mean a smaller mortgage.

The FHA 203(k) program isn’t for the faint hearted. It takes two of life’s most expensive and stressful transactions--buying a home and doing major renovations--and adds mortgage lenders and government, two of the most difficult institutions to work with, to the mix.

But this loan program can make an otherwise impossible home purchase a reality for determined homebuyers.

For more information about this type of loan, read my Mortgage-Calc.com article, The FHA 203(k) mortgage: Home renovation helper.

A Broker's Open House Can Help You Sell Your Home

To contact us Click HERE
Photo: PhotoAtelier (Glen)


If you're selling your home, you might want to consider holding a lesser-known type of open house called a broker's open house or broker's preview.

This event gives the selling agent an opportunity to market your home to other agents who might see that your home matches the requirements of a buyer.

Find out how a broker's open house differs from a traditional open house, whether a broker's open house can help you sell your home faster, and more in my Investopedia article, A Broker's Open House Can Help You Sell Your Home.

When you want to do something but you don't

To contact us Click HERE
Have you ever really wanted to do something but at the same time you don't want to? It is a strange feeling.
What do you do when you are on a diet, you really want to eat that chocolate bar (which happens to be the only one for miles) but you see on the label that the chocolate contains fried worms and insect legs? The sensible option would be to walk away from it and say "Yuk!". But, what if you want the chocolate so much that you opt to eat it? What then?