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Should you choose to refinance?
Refinancing has become a valid option for many individuals with high interest rates on their mortgage. Refinancing is essentially a replacement loan, with a different lender and (hopefully) a lower interest rate. So why would you choose to...
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ISO 9001 Compliant Program: Steps to Build
Implementing an ISO 9001 system represents a major effort. However, all of that effort can represent a significant shift for a business - from quantity to quality. And this could make sure your business gets the desired results. Shift Focus...
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Real Estate Investors - Don't Close Your Eyes To Closing Costs.
When buying or selling real estate closing costs can come as a shock. Here's an explanation of the various expenses: Down Payment Most lenders require a down payment of from zero to 20% for a normal home purchase. Lender's Loan...
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How We Eluded The Bear Of 2000
The date October 13, 2000 will forever be embedded in my mind. It was the day after our mutual fund trend tracking indicator had broken its long-term trend line and I sold 100% of my clientsí invested positions (and my own) and moved the...
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How to Shrink Your Phone Bill
Most people donít think it makes a difference which long distance provider they choose anymore. But, fact of the matter is, if you are still using one of the big three, you could save up to 60% on your monthly phone bill. If you know what you...
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