Bad Credit Home Loans - Home Loan Approval for People with Bad Credit
Getting a home loan when you have bad credit may seem impossible, especially if you don’t want to pay a very high interest rate. However, mortgage loans are different than other unsecured lines of credit because they use your home as collateral. That actually makes getting approved for a mortgage easier than getting approved for a low-limit credit card. If you’re shopping for a mortgage loan with bad credit, read this article for tips on getting approved.Make an Educated Down PaymentWhen you apply for a mortgage loan, your lender looks at something called your LTV ratio. LTV is the amount of money you are borrowing divided by the value of your home. For example, if your home is worth $100,000, and you are borrowing $90,000, then your LTV is 90%. 100% LTV’s are generally reserved for borrowers with near-perfect credit. H

Slap in the Face Recognition
William came back from vacation. He walked into the office and was told that there was an envelope and a silver colored cardboard box on the safe for him. He opened the envelope. It was a form letter congratulating him on thirty years of service. In the box was an award pin in honor of his thirty years. William’s supervisor just dropped everything off on his way through town, while William was on vacation. No personal effort was ever made to thank William for his dedication. No handshake. No phone call. Not even an email.William took the envelope and box and threw them in the trunk of his car where they remain. I asked him why he didn’t take them out. He responded, “I don’t even want to touch them. They make me feel dirty.” William is not a problem employee. He knows his job and has never been counseled. Each day he comes to work and does hi

Build Your Own No-Cost Mailing List
I've never used a mailing list broker. Reason? When I first started doing postcard mailings back in 1996, I could barely afford to pay my house rent. So, renting a mailing list was out of the question. One of the advantages of operating on a low budget is that you can't spend your way out of problems, you have to think your way out. In the case of my mailing list, the thinking centered around the question of Who Do I Know? A spin through my desktop Rolodex yielded a treasure trove of names. Then there were those helpful family members and friends who referred names to the list. (Most of the time, I didn't even have to ask these people for names. But it never hurts to ask!) And thumbing through the directories of organizations I belonged to was also useful. So, there you have it, four readily available sources of names: . Less effective ways of dealing with a mistake are: Ignoring it. Explaining it. Becoming defensive. Often, those choices can be awkward. Many times, when recognizing a mistake, laughter is clearly the best choice. Let me give you some examples.

I received an email inquiry for a speaking engagement on the East coast. At the end of my response to the request for information, I added: "I look forward to adding a special touch to your meeting in Deleware!"

The meeting planner replied to my email with two simple words: "It's DelAware."

I had misspelled the name of her state! I had replaced an A with an E.

My note back to her: "Thenks. Lern something every dey."

Her response (the capital letters are hers): "YOU PASS THE TEST! We needed someone with a TRUE sense of humor. Now I'm really excited. I'll be in touch!"

Another example, again in communicating with a potential client, I misspelled a word. This time it was a potential client's first name. Instead of Cecelia I had written to her as Cecilia. Knowing that misspelling someone's name is a tacky mistake, I quickly acknowledged the error before she had a chance to reply. I immediately sent her a second email:

"Oops, misspelled your name Cecelia. Sorry about that. Jhon"

My way of acknowledging that I had unintentionally misspelled her name was to intentionally misspell mine.

Her response was positive: "Funny -- you are going to be great for us!"

And here's another embarrassing mistake and a humor recovery. As a newly elected board member of an association, I received an email from the President. "By the way John, did you know you keep calling me Rob when it's Rod?"

Well, as you probably know by now, my style is not to respond with a simple "I'm sorry." Since he had also asked three questions which required my response, I sent him the answers in three separate emails. The last one ended with: "PS: I sent you separate emails so I could practice your name."

His response: "Thank you Jon, for practicing my name." He intentionally misspelled my name! I assumed he did it intentionally because I know that he has a fun sense of humor.

One humorous reply deserves another. A few minutes later I sent him a limerick:

There once was a man named Rod. For President he got the nod. He did a great job, but some called him Rob. Which struck him as kinda odd.

Rod's response: "Ho ho ho. Very clever. Funny too."

That entire humor exchange helped program Rod’s name into my brain. And since that time, I've used his name correctly.

And then there was the time I broadcasted a mistaken email to people in over 60 countries. I was helping a friend publish her first Ezine (electronic newsletter) issue. It appeared that it would be best to do the coaching over the phone. We were both signed onto the internet, and I walked her through the steps on my Ezine server's control panel while she took parallel steps on her control panel. Somehow I made the mistake of loading a blank Ezine into my server and sent it to over 1000 of my subscribers. Oh no! I knew of someone who sent out an Ezine with a glaring error and received over 200 subscription cancellations. I wanted to respond before my subscribers reacted. Humor to the rescue!

In less than an hour after I discovered the mistake, I sent out a special Ezine issue which read:

"What do you do when you receive a blank Ezine?

a. Be happy because you can read it quickly.
b. Believe it is a do-it-yourself Ezine...and write your own.
c. Cancel your subscription.
d. Keep your sense of humor.

“It seems that a random blank issue from the Humor Power Tips computer-in-the-sky was sent to many of our subscribers. If you were half as surprised as I was...then I was twice as surprised as you. Thanks for smiling with me."

And then I introduced a Blank Book Title Contest challenging people to write titles to imaginary blank books.

The response was very positive. The subscription cancellations were no more than they usually were, much less than one percent of my subscription base. Among the several positive comments about how I handled the mistake was one from Mick Court, Melbourne, Australia: "What a great follow up to your blank Ezine. I found your lived example of responding to a technical mistake a really powerful lesson -- how to use humor to recover ground after a technical mistake!"

As a bonus, I received more than 350 submissions for the Blank Book Title Contest. Here are ten of my favorites:

The greatest story never told

It's Easy To Love Your Enemies, By George Bush and Michael Moore

What I Learned In My Lifetime All By Myself

How Logic Applies To the Understanding of Human Behavior

Much Ado About Nothing

The Sequel To The Last Word

Gifts Greater Than Life

2021 Social Security Benefits

Tricks to Teach Your Cat

Best Short Stories Written In Invisible Ink

It's important to note that none of the fun and creativity of this group writing exercise would have happened without my choice of fixing a mistake with humor.

Be alert for opportunities to use humor when dealing with mistakes or simply to put a memorable touch in your communications with others. You'll make a lasting impression

ly misspelled her name was to intentionally misspell mine.

Her response was positive: "Funny -- you are going to be great for us!"

And here's another embarrassing mistake and a humor recovery. As a newly elected board member of an association, I received an email from the President. "By the way John, did you know you keep calling me Rob when it's Rod?"

Well, as you probably know by now, my style is not to respond with a simple "I'm sorry." Since he had also asked three questions which required my response, I sent him the answers in three separate emails. The last one ended with: "PS: I sent you separate emails so I could practice your name."

His response: "Thank you Jon, for practicing my name." He intentionally misspelled my name! I assumed he did it intentionally because I know that he has a fun sense of humor.

One humorous reply deserves another. A few minutes later I sent him a limerick:

There once was a man named Rod. For President he got the nod. He did a great job, but some called him Rob. Which struck him as kinda odd.

Rod's response: "Ho ho ho. Very clever. Funny too."

That entire humor exchange helped program Rod’s name into my brain. And since that time, I've used his name correctly.

And then there was the time I broadcasted a mistaken email to people in over 60 countries. I was helping a friend publish her first Ezine (electronic newsletter) issue. It appeared that it would be best to do the coaching over the phone. We were both signed onto the internet, and I walked her through the steps on my Ezine server's control panel while she took parallel steps on her control panel. Somehow I made the mistake of loading a blank Ezine into my server and sent it to over 1000 of my subscribers. Oh no! I knew of someone who sent out an Ezine with a glaring error and received over 200 subscription cancellations. I wanted to respond before my subscribers reacted. Humor to the rescue!

In less than an hour after I discovered the mistake, I sent out a special Ezine issue which read:

"What do you do when you receive a blank Ezine?

a. Be happy because you can read it quickly.
b. Believe it is a do-it-yourself Ezine...and write your own.
c. Cancel your subscription.
d. Keep your sense of humor.

“It seems that a random blank issue from the Humor Power Tips computer-in-the-sky was sent to many of our subscribers. If you were half as surprised as I was...then I was twice as surprised as you. Thanks for smiling with me."

And then I introduced a Blank Book Title Contest challenging people to write titles to imaginary blank books.

The response was very positive. The subscription cancellations were no more than they usually were, much less than one percent of my subscription base. Among the several positive comments about how I handled the mistake was one from Mick Court, Melbourne, Australia: "What a great follow up to your blank Ezine. I found your lived example of responding to a technical mistake a really powerful lesson -- how to use humor to recover ground after a technical mistake!"

As a bonus, I received more than 350 submissions for the Blank Book Title Contest. Here are ten of my favorites:

The greatest story never told

It's Easy To Love Your Enemies, By George Bush and Michael Moore

What I Learned In My Lifetime All By Myself

How Logic Applies To the Understanding of Human Behavior

Much Ado About Nothing

The Sequel To The Last Word

Gifts Greater Than Life

2021 Social Security Benefits

Tricks to Teach Your Cat

Best Short Stories Written In Invisible Ink

It's important to note that none of the fun and creativity of this group writing exercise would have happened without my choice of fixing a mistake with humor.

Be alert for opportunities to use humor when dealing with mistakes or simply to put a memorable touch in your communications with others. You'll make a lasting impression

in over 60 countries. I was helping a friend publish her first Ezine (electronic newsletter) issue. It appeared that it would be best to do the coaching over the phone. We were both signed onto the internet, and I walked her through the steps on my Ezine server's control panel while she took parallel steps on her control panel. Somehow I made the mistake of loading a blank Ezine into my server and sent it to over 1000 of my subscribers. Oh no! I knew of someone who sent out an Ezine with a glaring error and received over 200 subscription cancellations. I wanted to respond before my subscribers reacted. Humor to the rescue!

In less than an hour after I discovered the mistake, I sent out a special Ezine issue which read:

"What do you do when you receive a blank Ezine?

a. Be happy because you can read it quickly.
b. Believe it is a do-it-yourself Ezine...and write your own.
c. Cancel your subscription.
d. Keep your sense of humor.

“It seems that a random blank issue from the Humor Power Tips computer-in-the-sky was sent to many of our subscribers. If you were half as surprised as I was...then I was twice as surprised as you. Thanks for smiling with me."

And then I introduced a Blank Book Title Contest challenging people to write titles to imaginary blank books.

The response was very positive. The subscription cancellations were no more than they usually were, much less than one percent of my subscription base. Among the several positive comments about how I handled the mistake was one from Mick Court, Melbourne, Australia: "What a great follow up to your blank Ezine. I found your lived example of responding to a technical mistake a really powerful lesson -- how to use humor to recover ground after a technical mistake!"

As a bonus, I received more than 350 submissions for the Blank Book Title Contest. Here are ten of my favorites:

The greatest story never told

It's Easy To Love Your Enemies, By George Bush and Michael Moore

What I Learned In My Lifetime All By Myself

How Logic Applies To the Understanding of Human Behavior

Much Ado About Nothing

The Sequel To The Last Word

Gifts Greater Than Life

2021 Social Security Benefits

Tricks to Teach Your Cat

Best Short Stories Written In Invisible Ink

It's important to note that none of the fun and creativity of this group writing exercise would have happened without my choice of fixing a mistake with humor.

Be alert for opportunities to use humor when dealing with mistakes or simply to put a memorable touch in your communications with others. You'll make a lasting impression

was very positive. The subscription cancellations were no more than they usually were, much less than one percent of my subscription base. Among the several positive comments about how I handled the mistake was one from Mick Court, Melbourne, Australia: "What a great follow up to your blank Ezine. I found your lived example of responding to a technical mistake a really powerful lesson -- how to use humor to recover ground after a technical mistake!"

As a bonus, I received more than 350 submissions for the Blank Book Title Contest. Here are ten of my favorites:

The greatest story never told

It's Easy To Love Your Enemies, By George Bush and Michael Moore

What I Learned In My Lifetime All By Myself

How Logic Applies To the Understanding of Human Behavior

Much Ado About Nothing

The Sequel To The Last Word

Gifts Greater Than Life

2021 Social Security Benefits

Tricks to Teach Your Cat

Best Short Stories Written In Invisible Ink

It's important to note that none of the fun and creativity of this group writing exercise would have happened without my choice of fixing a mistake with humor.

Be alert for opportunities to use humor when dealing with mistakes or simply to put a memorable touch in your communications with others. You'll make a lasting impression as someone who can see the lighter side of life. It will make you a stronger leader, a better speaker and it's good for business!