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    What Determines Your Interest Rate?
    When you borrow money, one of the most important things to consider is the interest rate you will be paying. This is the money you pay to the bank in return for them lending you money. It is like a fee. You never see it again.But it is much more. It is determined by three major factors.1. The Federal Reserve Discount Interest Rate.The first factor, the Federal Reserve Discount Interest Rate, actually has nothing to do with you. It is totally outside of your control. Banks and other lending instutions don't simply lend you money. They have to borrow this money from Federal Reser
    ract in person.

    Using the Berens' Interaction Styles model, Susan discussed the strengths and challenges of the In-Charge Interaction Style, the Chart-the-Course Interaction Style, the Get-Things-Going Interaction Style, and the Behind-the Scenes Interaction Style, when working remotely. For those of us new to the Berens model, Susan indicated wh

    Must Ask Questions for Every Job Candidate
    Job interviews are often viewed as a one-sided experience. This should not be the case. A job interview is an opportunity for the job candidate to learn as much as possible about not only the specific job they are interviewing for but also about other important factors about the company or organizations with which they are interviewing. While some of the questions recommended for the candidate may seem to be common sense, there are a number of job candidates who are either too nervous, shy or afraid to raise these critical questions.What is the work environment? This question, while broa
    At the 2004 APT XV International Conference, I had the privilege of meeting type professionals working in different fields around the world. It was very exciting to shake hands with some of the authors whose work I have studied and to meet people I've corresponded with through email, including some of my subscribers and clients!

    One of the sessions I chose to attend was "Introduction to Working Remotely - Leading and Working in Virtual Teams". As a Virtual Assistant, I often work with clients outside my geographic area, and consequently all of our contact is online. Although there are many benefits to virtual work, including the reduction of time required to travel to and from meetings, communication problems can sometimes arise when you don't have the opportunity to establish an in-person relationship with someone you're working with.

    Susan Gerke, co-author of "The Quick Guide to Interaction Styles and Working Remotely" along with Linda Berens, explored the issues that surface when working remotely, how personality type relates to remote work, and how to build relationships with people of different types.

    When we work with someone virtually, it is much harder to build relationships because we don't have the same level or frequency of interaction. This is compounded by the fact that communication is more difficult without the verbal and non-verbal cues that exist when we interact in person.

    Using the Berens' Interaction Styles model, Susan discussed the strengths and challenges of the In-Charge Interaction Style, the Chart-the-Course Interaction Style, the Get-Things-Going Interaction Style, and the Behind-the Scenes Interaction Style, when working remotely. For those of us new to the Berens model, Susan indicated whi

    Credit Cards Without Late Fees? What You Don't Know Can Hurt You
    Americans know all too well how much it costs to use credit cards. The average household in the U.S. now has nearly $10,000 in credit card debt. Carrying such debt is fine, as long as you realize that there are costs associated with it. The interest rates aren’t particularly low and the fees charged for paying late or going over your limit can be steep. Late fees of $39 aren’t uncommon, and they are assessed if your bill fails to arrive by the due date, even if it was delayed in the mail.The credit card companies have been listening to consumer complaints about expensive late fees and se
    ns I chose to attend was "Introduction to Working Remotely - Leading and Working in Virtual Teams". As a Virtual Assistant, I often work with clients outside my geographic area, and consequently all of our contact is online. Although there are many benefits to virtual work, including the reduction of time required to travel to and from meetings, communication problems can sometimes arise when you don't have the opportunity to establish an in-person relationship with someone you're working with.

    Susan Gerke, co-author of "The Quick Guide to Interaction Styles and Working Remotely" along with Linda Berens, explored the issues that surface when working remotely, how personality type relates to remote work, and how to build relationships with people of different types.

    When we work with someone virtually, it is much harder to build relationships because we don't have the same level or frequency of interaction. This is compounded by the fact that communication is more difficult without the verbal and non-verbal cues that exist when we interact in person.

    Using the Berens' Interaction Styles model, Susan discussed the strengths and challenges of the In-Charge Interaction Style, the Chart-the-Course Interaction Style, the Get-Things-Going Interaction Style, and the Behind-the Scenes Interaction Style, when working remotely. For those of us new to the Berens model, Susan indicated wh

    Selling Your Colorado Springs Homes in a Buyers Market
    Part 2 of “Why So Many Colorado Springs Homes Won’t Sell”I started a series on Why So Many Colorado Springs Homes Won’t Sell a few weeks back. The three main points discussed were price, condition, and Realtor. I discussed how price is often the #1 factor that will help you sell your home in Colorado Springs in a buyers market. With a high inventory of over 5,000 available Colorado Springs homes buyers have plenty of options and are looking for deals. Todays Colorado Springs real estate market is very healthy yet we are in a buyers market and on average the absorption rate of home sales
    ication problems can sometimes arise when you don't have the opportunity to establish an in-person relationship with someone you're working with.

    Susan Gerke, co-author of "The Quick Guide to Interaction Styles and Working Remotely" along with Linda Berens, explored the issues that surface when working remotely, how personality type relates to remote work, and how to build relationships with people of different types.

    When we work with someone virtually, it is much harder to build relationships because we don't have the same level or frequency of interaction. This is compounded by the fact that communication is more difficult without the verbal and non-verbal cues that exist when we interact in person.

    Using the Berens' Interaction Styles model, Susan discussed the strengths and challenges of the In-Charge Interaction Style, the Chart-the-Course Interaction Style, the Get-Things-Going Interaction Style, and the Behind-the Scenes Interaction Style, when working remotely. For those of us new to the Berens model, Susan indicated wh

    School Is Never Out For The Pro
    Over forty years ago, I made what I feel is one of the significant decisions of my life. I decided that for the rest of my life I would invest 10% of my time and income in my personal growth.During the past thirty years, I have known hundreds of people and spoken to thousands who have said they want a better lifestyle, increased income and greater satisfaction from their career and life. Many of these same people have turned over the responsibility of their personal development to their employers, let it be dictated by their available discretionary income, or just waited to win the lottery.
    mote work, and how to build relationships with people of different types.

    When we work with someone virtually, it is much harder to build relationships because we don't have the same level or frequency of interaction. This is compounded by the fact that communication is more difficult without the verbal and non-verbal cues that exist when we interact in person.

    Using the Berens' Interaction Styles model, Susan discussed the strengths and challenges of the In-Charge Interaction Style, the Chart-the-Course Interaction Style, the Get-Things-Going Interaction Style, and the Behind-the Scenes Interaction Style, when working remotely. For those of us new to the Berens model, Susan indicated wh

    Protect Your Affiliate Links
    Remember when you discovered the possibility of making money promoting affiliate websites? Do you remember when you discovered that you could start by creating a ClickBank (or some other) account and selecting your first program or two to promote? I do. I also remember what it was like to see my own affiliate nickname on my first affiliate link. I put that link in my browser and viewed it as my link and life was good because that was my link.Later on, I saw other affiliates online promoting the same program that I was promoting. I saw another person’s link in my browser and wondered “Wh
    ract in person.

    Using the Berens' Interaction Styles model, Susan discussed the strengths and challenges of the In-Charge Interaction Style, the Chart-the-Course Interaction Style, the Get-Things-Going Interaction Style, and the Behind-the Scenes Interaction Style, when working remotely. For those of us new to the Berens model, Susan indicated which four MBTI (Myers-Briggs Type Indicator) types correlate to each of the four Interaction Styles.

    The In-Charge Interaction Style (corresponding to ESTP, ESTJ, ENTJ and ENFJ) tend to be efficient independent workers, creating structure for themselves and making good use of technology. As Extraverts, however, they miss the casual workplace conversation which enhances their productivity, and without face-to-face contact, it is difficult for them to form relationships.

    The Chart-the-Course Interaction Style (corresponding to ISTP, ISTJ, INTJ and INFJ) also work well independently, as Introverts work best without interruptions, and email and voice mail give them an opportunity to think about how they would like to respond. It is more difficult for them to stay connected with others and to make themselves heard. They may also tend to spend more time on email than is necessary.

    The Get-Things-Going Interaction Style (corresponding to ESFP, ESFJ, ENTP and ENFP) excel in virtual work because they can work any time, day or night, and multitask to their heart's delight, without being judged by others for their work style. Their challenges include loneliness and isolation, and lack of structure.

    The Behind-the-Scenes Interaction Style (corresponding to ISFP, ISFJ, INTP and INFP) shares the Chart-the-Course Interaction Style's strengths in terms of virtual work. Working remotely a

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