Foreclosure means basically that you were unable to pay your monthly mortgage payments so the mortgage company decides to repossess your home. It is just like with a vehicle or anything else where you are bound by some form of a contract or agreement, if you do not hold up on your part of the deal somebody will come and take your car from you or your furniture. Most people have probably experienced a time in their life where they found they were going to have to put off paying one or more payments within the month because of one thing or another coming up unexpectedly. If you ever feel like foreclosure could be just right around the corner for you, then you should most definitely make all attempts to contact your mortgage company and let them know what is going on with you and that there is a possibility that your mortgage payment will not be made on time.
Usually if you are honest with them and not trying to avoid them, they will generally allow you the opportunity to explain your situation upon deciding what needs to be done in order to get your account current. Things that are unfortunate do happen sometimes throughout life and it is normally whenever we least expect it, but as I mentioned, if you do suspect that something could prevent you from getting your payments in on time, be sure that you take the time out to call your mortgage company, just to let them know what is happening with you and when they could possibly expect your payment. Foreclosure is a very terrifying word for many individuals and many times the reason that it is so terrifying is because most people are just simply not aware of the fact that most of the times, something can be done to prevent this from happening to you. Losing your home that you have called home for so long now is something very tragic and can cause many people to feel as though their lives are literally falling to pieces.
Do not let this put you into any sort of deep slum because no matter what happens, you are strong enough to get through almost anything that life has in store for you, including this. There are many things that you can do to try and fight this type of action against you and typically if you atleast give it a real good try, things will just seem to work out for you. Not always but most of the time it is possible for anybody to tell their side of the story, no matter what it may be, and have the mortgage company change their minds about serving you with any foreclosure notice. If you do lose your home to foreclosure, it is very unfortunate and will definitely have a negative affect on your credit rating for many years to come. You will have to put it in your head that you are tough enough to rebuild or move on and get your finances back in order, the way that they should be, so that you are never faced with having to deal with this type of situation again.
2008年2月28日星期四
Little England is no little at all.
Barbados, also known as Little England is in fact no "little" at all.
It is perceived as virtually far because its not very easy to reach and is detached from the rest of its neighboring islands, yet it is one of most visited tourist attractions in the Caribbean. It is a hideaway to most travelers because its hard to get to but then harder to leave, as one travel site described it.
Barbados is a small island located at the southern Caribbean region and has a growing population of 280,000. It is part of the Lesser Antilles island chain that runs with Bahamas and Greater Antilles to form the West Indies.
With its subtropical climate, the Barbados Island forests and mountains have been naturally nourished, which makes it a great site for nature tripping, hiking, jogging and cycling. Even golfers, professional and amateurs, have found a haven in this paradise. Yearly, several sporting events are held in Barbados, including events for boat and parasailing.
As their habitat was protected, so were Barbados wildlife and marine life. Animal lovers will be happy to know that there are great destinations in Barbados where you can actually interact with the animals. Most recommended in Barbados is the Wildlife Reserve where a whole day can be spent just looking at all the beautiful creatures. For aquatic life, there are several options, too. You can visit Ocean Park where big and small aquariums display the most colorful and unique marine living creatures, where children can see them up close. Another way to do it requires further physical challenge, which is to go snorkeling or diving. Some can book for one of the packages in a cruise company where visitors can actually swim with the turtles.
There are many a great beaches and parks in Barbados for all water sports lovers out there. The sandy beaches send tingles and excitement beneath the feet of children and carpet for a couple. Rich in corals and undisturbed marine life, beaches in Barbados are also great for scuba diving. You can check out the Grand Barbados Beach Resort, Almond Resorts Barbados and a lot, lot more.
Other travelers love Barbados for the cultural heritage it has retained intact. Houses, churches, museums and other structures are living proofs of how the Barbados was during the British arrival in the 1620s. Even tools Bajans used hundreds of years back have still stood the hands of time. See the displays of silverwares, prints, antiques and tools at Barbados Museum and Sunbury Plantation House. Also see the picturesque churches like St. Philips Parish and houses, a good example of which is George Washingtons temporary house when he went to Barbados for his only international trip.
Celebrating their culture, Barbadians are also rich in festivities. The longest taking a whole month of preparation and the event itself is the Crop Over. Other festivities include the Oistins Fish Festival and Holetown Festival.
Barbados or Little England is no "little" at all in its historical, ecological and grandeur sense, because it is one great and wondrous place just hidden away in a small island.
It is perceived as virtually far because its not very easy to reach and is detached from the rest of its neighboring islands, yet it is one of most visited tourist attractions in the Caribbean. It is a hideaway to most travelers because its hard to get to but then harder to leave, as one travel site described it.
Barbados is a small island located at the southern Caribbean region and has a growing population of 280,000. It is part of the Lesser Antilles island chain that runs with Bahamas and Greater Antilles to form the West Indies.
With its subtropical climate, the Barbados Island forests and mountains have been naturally nourished, which makes it a great site for nature tripping, hiking, jogging and cycling. Even golfers, professional and amateurs, have found a haven in this paradise. Yearly, several sporting events are held in Barbados, including events for boat and parasailing.
As their habitat was protected, so were Barbados wildlife and marine life. Animal lovers will be happy to know that there are great destinations in Barbados where you can actually interact with the animals. Most recommended in Barbados is the Wildlife Reserve where a whole day can be spent just looking at all the beautiful creatures. For aquatic life, there are several options, too. You can visit Ocean Park where big and small aquariums display the most colorful and unique marine living creatures, where children can see them up close. Another way to do it requires further physical challenge, which is to go snorkeling or diving. Some can book for one of the packages in a cruise company where visitors can actually swim with the turtles.
There are many a great beaches and parks in Barbados for all water sports lovers out there. The sandy beaches send tingles and excitement beneath the feet of children and carpet for a couple. Rich in corals and undisturbed marine life, beaches in Barbados are also great for scuba diving. You can check out the Grand Barbados Beach Resort, Almond Resorts Barbados and a lot, lot more.
Other travelers love Barbados for the cultural heritage it has retained intact. Houses, churches, museums and other structures are living proofs of how the Barbados was during the British arrival in the 1620s. Even tools Bajans used hundreds of years back have still stood the hands of time. See the displays of silverwares, prints, antiques and tools at Barbados Museum and Sunbury Plantation House. Also see the picturesque churches like St. Philips Parish and houses, a good example of which is George Washingtons temporary house when he went to Barbados for his only international trip.
Celebrating their culture, Barbadians are also rich in festivities. The longest taking a whole month of preparation and the event itself is the Crop Over. Other festivities include the Oistins Fish Festival and Holetown Festival.
Barbados or Little England is no "little" at all in its historical, ecological and grandeur sense, because it is one great and wondrous place just hidden away in a small island.
2008年2月26日星期二
How To Negotiate Salary
1. Don't negotiate salary at interview
Whilst both you and a prospective employer might be keen to agree salary at interview, don't bring it up. Usually before you apply for any job there will be a guide to what salary is on offer. If you're asked what salary is on offer simply state "The practical details can be worked out at a later date"
Not discussing salary at interview will improve their respect for you as it gives the impression that salary is less important than the role itself, even if it isn't. You interviewers will be left with a positive impression of you and are more likely to offer a good salary because of it.
2. Always turn down the first salary offer
This needs to be done diplomatically. When they call you and make a salary offer, thank them for the call and stress how excited you are by the prospect of working for them, but explain that you need to think it over. Call them back the following morning and explain that whilst you like the job and the organisation the salary offered was a little lower than expected. Tell them that if they make a final improved offer that you will take the job.
This works like a charm and I've seen people get up to $4,000 more on their basic salary for politely turning down the first salary offer made to them.
3. Speak to the decision maker
Most large companies have Human Resource departments that deal with recruitment and make job offers. They are usually rigid salary bands that they will stick to when making you an offer, but these people have little input on organisational affairs and don't know your true potential value to the organisation.
If you get an offer you are disappointed with and the HR department refuses to increase it then go to the real decision maker, the hiring manager. Usually the hiring manager, whom you will inevitably work for, will have interviewed you along side a member of HR staff and it is they who have the real power. Call the switchboard and ask to speak to the hiring manager who interviewed you. Be really polite and explain that the purpose of the call was to thank them for their time at interview and that it is a shame that the offer made by the HR department wasn't enough for you to take the job, as you were looking forward to joining the company. Nine times out of ten you'll receive a call from the Human Resources department within 48 hours, who having been contacted by the hiring manager, want to make a revised offer that is much closer to what you were expecting.
4. Provide Evidence of Market Rates
Usually employers make a salary offer based on what they think you are worth to their organisation. If you want to get an improved salary you need to demonstrate that what you are asking for is not unreasonable and is the going market rate. Visit an online job search site like www.monster.com and check out what other people doing your job are being paid by other companies. Print off this information and take it with you to salary negotiations to evidence your claims.
5. Read Recruitment Magazines in the office
If you are already in employment and are approaching a salary renegotiation period start taking recruitment magazines into work with you and reading them during your lunch break in the office. Ideally circle a few jobs similar to your own and leave that page open on your desk. I guarantee that word will soon spread that you are keeping a look out for a new job. When it comes to your turn to negotiate salary you will have put yourself in a strong position with management to get an improved basic wage.
Whilst both you and a prospective employer might be keen to agree salary at interview, don't bring it up. Usually before you apply for any job there will be a guide to what salary is on offer. If you're asked what salary is on offer simply state "The practical details can be worked out at a later date"
Not discussing salary at interview will improve their respect for you as it gives the impression that salary is less important than the role itself, even if it isn't. You interviewers will be left with a positive impression of you and are more likely to offer a good salary because of it.
2. Always turn down the first salary offer
This needs to be done diplomatically. When they call you and make a salary offer, thank them for the call and stress how excited you are by the prospect of working for them, but explain that you need to think it over. Call them back the following morning and explain that whilst you like the job and the organisation the salary offered was a little lower than expected. Tell them that if they make a final improved offer that you will take the job.
This works like a charm and I've seen people get up to $4,000 more on their basic salary for politely turning down the first salary offer made to them.
3. Speak to the decision maker
Most large companies have Human Resource departments that deal with recruitment and make job offers. They are usually rigid salary bands that they will stick to when making you an offer, but these people have little input on organisational affairs and don't know your true potential value to the organisation.
If you get an offer you are disappointed with and the HR department refuses to increase it then go to the real decision maker, the hiring manager. Usually the hiring manager, whom you will inevitably work for, will have interviewed you along side a member of HR staff and it is they who have the real power. Call the switchboard and ask to speak to the hiring manager who interviewed you. Be really polite and explain that the purpose of the call was to thank them for their time at interview and that it is a shame that the offer made by the HR department wasn't enough for you to take the job, as you were looking forward to joining the company. Nine times out of ten you'll receive a call from the Human Resources department within 48 hours, who having been contacted by the hiring manager, want to make a revised offer that is much closer to what you were expecting.
4. Provide Evidence of Market Rates
Usually employers make a salary offer based on what they think you are worth to their organisation. If you want to get an improved salary you need to demonstrate that what you are asking for is not unreasonable and is the going market rate. Visit an online job search site like www.monster.com and check out what other people doing your job are being paid by other companies. Print off this information and take it with you to salary negotiations to evidence your claims.
5. Read Recruitment Magazines in the office
If you are already in employment and are approaching a salary renegotiation period start taking recruitment magazines into work with you and reading them during your lunch break in the office. Ideally circle a few jobs similar to your own and leave that page open on your desk. I guarantee that word will soon spread that you are keeping a look out for a new job. When it comes to your turn to negotiate salary you will have put yourself in a strong position with management to get an improved basic wage.
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