Does Mindset Really Matter?

Does Mindset Really Matter?

A home-based enterprise requires extra motivation,
commitment, and time from you. In most cases the person
running the business is doing so alone or with very limited
help. It is because of this that it is imperative for you to
have the desire to succeed.

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PHYSICAL & MENTAL FITNESS
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In order for your business to prosper, you must prosper both
physically and mentally. You are not able to run your
business if you are physically sick and you can't give your
business all that it needs if you are mentally negative.

Physical fitness begets mental toughness. Similarly, you can
reinforce a "nothing will stop me" mindset by challenging
yourself in your athletic pursuits or physical fitness
routine.

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THE IMPORTANCE OF A POSITIVE MINDSET
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A positive mindset is essential to the success of your home-
based business.

A positive mindset is so crucial because of the Law of
Attraction. In simple terms, you tend to get what you expect
to get.

Before you can create a successful business, you
have to form a clear vision of what you want your business
to become. If you constantly think and hope for a mediocre
business then you are likely to get that or less.

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HOW DO I DEVELOP A POSITIVE MINDSET?
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Aim as high as you possibly can so that even if you fall
short of your vision, your chances of success are still
good. Thinking positively excites your emotions and this
helps to stimulate your creative spirit.

Your brain responds to stimuli. Expose yourself to positive
stimuli and avoid the negative. You will eventually begin to
see more things as possible. Read the success stories of
others who came before you. The more you absorb the positive
mindset of successful men and women, the more you see
yourself on the same path of success.

Those who expect negative things to happen, often experience
negative things and fail as a result. A home-based
entrepreneur who has a negative mindset is likely to give up
on his business the moment that an obstacle presents itself
because it will be seen as impossible to surpass.

A home-based entrepreneur who has a positive mindset is
likely to encounter success. Having a positive mindset does
not mean that your path will be free of obstacles, but
someone with a positive mindset will find a way to get
around them.

While it is not possible to completely expel all negative
thoughts and influences from your life, it is possible to
limit them.

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RESPONDING TO NEGATIVE INFLUENCES IN YOUR LIFE
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How does a home-based entrepreneur stay positive; especially
when you don't have a strong support system?

Begin by steering clear of people who don't support your
business and attempt to demean you by making negative
comments. You must also remain positive so that when you are
met with opposition you are able to dismiss it.

If you begin second guessing your abilities as a business
owner because you let what others say affect you, then you
are not likely to succeed. Remember that the prosperity of
your home-based enterprise is dependent on you. This is why
it is essential for you to stay positive in all situations.

There are bumps and setbacks in everyone's career. It is not
so much the number of obstacles that you encounter that will
determine the success of your business; it is your ability
to get past these unfortunate events that determines how
lucrative your business will become.

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"YOU DON'T ALWAYS GET WHAT YOU WANT BUT ... "
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In order to succeed, you have to believe that nothing can
stop you from obtaining your goals.

You don't always get what you want, but you often get what
you expect.

As a home-based entrepreneur you should constantly expect
wealth, prosperity, and overall success.

Even if success doesn't come to you in the manner in which
you expect, your positive attitude can help you to put more
faith in your business and new opportunities will present
themselves.

A positive mindset does not guarantee success by itself, but
it will help you a great deal. Plan carefully, be patient,
and remain positive through everything; and you will become
a success.

Kathy Kern

http://www.5KDailyPay.info

Posted under Blogging, Make Money Tips, Marketing

This post was written by admin on September 8, 2009

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Loan Modification FAQ

Loan Modification
Frequently Asked Questions

A Loan Modification is a permanent change in one or more of the terms of a mortgagor’s loan, allows the loan to be reinstated, and results in a payment the mortgagor can afford.

Question 1: In utilizing the Loan Modification option to bring an asset current, can the mortgagee include all fees and corporate advances?

Answer: Mortgagee Letter 2008-21 states in part: Legal fees and related foreclosure costs for work actually completed and applicable to the current default episode may be capitalized into the modified principal balance.

Question 2: May a mortgagee perform an interior inspection of the property if they have concerns about property condition?

Answer: Yes, the mortgagee may conduct any review it deems necessary to verify that the property has no physical conditions which adversely impact the mortgagor’s continued ability to support the modified mortgage payment.

Question 3: Can a mortgagee include late charges in the Loan Modification?

Answer: Mortgagee Letter 2008-21 states that accrued late charges should be waived by the mortgagee at the time of the Loan Modification.

Question 4: When utilizing a Loan Modification option, can a mortgagee capitalize an escrow advance for Homeowner’s Association fees?

Answer: HUD Handbook 4330.1 REV-5, Paragraph 2-1, Section B, Escrow Obligations states: Mortgagees must also escrow funds for those items which, if not paid, would create liens on the property positioned ahead of the FHA-insured mortgage.

Question 5: Is there a new basis interest rate which mortgagees may assess when completing a Loan Modification?

Answer: Yes, Mortgagee Letter 2008-21 states that the new basis interest rate is 200 points above the monthly average yield on U.S. Treasury Securities, adjusted to a constant maturity of 10 years.

Question 6: Will HUD subordinate a Partial Claim, should a mortgagor subsequently default and qualify for a Loan Modification?

Answer: If a mortgagor subsequently defaults and qualifies for a Loan Modification, HUD will subordinate the Partial Claim.

Question 7: Are mortgagees required to perform an escrow analysis when completing a Loan Modification?

Answer: Yes, mortgagees are to perform a retroactive escrow analysis at the time the Loan Modification to ensure that the delinquent payments being capitalized reflect the actual escrow requirements required for those months capitalized.

Question 8: Is the mortgagor eligible for the upfront premium refund at payoff of a modified loan?

Answer: It depends upon when the closing date occurred. For assets closed:

After July 1, 1991 but before January 1, 2001, the 7-year unearned premium refund schedule shown in Mortgagee Letter 1994-1 remains in effect,

On or after January 1, 2001 that are subsequently refinanced, the 5-year refund schedule shown in the attachment of Mortgagee Letter 2000-46 applies, or

On or after December 8, 2004, refunds of upfront MIP are eliminated except, when the mortgagor refinances to another FHA insured mortgage. The refund schedule attached to Mortgagee Letter 2005-03 has been modified to a 3-year period.

Question 9: Can a mortgagee qualify an asset for the Loan Modification option when the mortgagor is unemployed, the spouse is employed, but the spouse name is not on the mortgage?

Answer: Based upon this scenario, the mortgagee should conduct a financial review of the household income and expenses to determine if surplus income is sufficient to meet the new modified mortgage payment, but insufficient to pay back the arrearage. Once this process has been completed the mortgagee should then consult with their legal counsel to determine if the asset is eligible for a Loan Modification since the spouse is not on the original mortgage.

Kathy

Learn How to Modify Your Own Loan

Posted under Blogging

This post was written by admin on April 16, 2009

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Why Celebrities Twitter

Andy Greenberg, 03.03.09, 06:00 PM EST

For celebs like Shaq and Britney Spears, microblogging may be a form of privacy control.

While training in Hawaii last January, Lance Armstrong received a massage every afternoon at 3 p.m. Shaquille O’Neal often can’t sleep after embarrassing losses–he suffers from what he calls “Shaqsomnia.” On Nov. 10, Britney Spear’s son Jayden was hospitalized for food poisoning.

These celebrity tidbits shared in 140-character blurbs on Twitter were once the paydirt of paparazzi who make their careers selling evidence of the bizarre and banal lives of the rich and famous. Now, the explosive growth of the microblogging platform means those starmongers have a new source of competition: the stars themselves.

A quick glance at the most “followed” microbloggers on Twitter shows that 20 or so of the top 100 feeds on the site are written by real-world celebrities. And those high-profile users often twitter, or “tweet,” the same sort of idiosyncratic life details as anyone else.

Hammer (the artist formerly known as MC Hammer) revealed in January that he carries three cell phones–a 3G iPhone, a T-Mobile G1 and a Motorola (nyse: MOT news people ) Q9. Ashton Kutcher declared earlier this month that, after seven attempts, he’s starting to like yoga. And the singer Dave Matthews recently noted that his farts sound “like a heard of elephants.”

In Pictures: Celebrities Who Twitter From Forbes.com

Some “tweets” are even more personal. Last month singer Erykah Badu and her boyfriend Twittered the birth of her daughter, complete with blow-by-blow details. “Water broke,” the baby’s father, producer Jay Electronica, twittered on his own feed via BlackBerry. “I can see the head, it’s covered in hair.”

That kind of sharing may seem like self-inflicted privacy invasion, but it isn’t a mistake, says Laura Fitton, a social media consultant and one of Twitter’s most-followed users. In some cases, it’s savvy media control.

Posted under Blogging, Marketing, SEO

This post was written by admin on March 6, 2009

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Make Money Online Tips Forum !

OK I finally got together with couple of my good friends, David and Kyle. Who are as well very knowledgeable with online marketing and creating a income stream with working at home.

I am going to start a forum here and all of us will be here for you to get all you Questions answer.

Actually it is ready to go come and join us.  USE us to your advantage.

http://www.myspacemarketing.info/forum

Thank You

Kathy

http://www.123Wealth.info

Posted under Blogging, Marketing

This post was written by admin on February 27, 2009

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How to Make Money With Twitter

How to Make Money with Twitter: Finally a sure-fire method for getting more followers, and turning them into sales…

“Learn How to Quickly Generate a Massive Crowd of Followers Who Give You Cold Hard Cash When You Tweet!”

Twitter is the fastest growing marketing opportunity online IF you know how to get massive crowed of followers who read your Tweets!

Now there’s a powerful yet sublime way to build a huge group of followers and leverage them to profits! The perfect storm of Twitter microblogging and millions of people getting into social networking has created an unprecedented opportunity for:

  • Authors
  • Speakers
  • Consultants
  • Trainers
  • Writers
  • Experts
  • Bloggers
  • Marketers
  • But, only if you first know how to get lots of people to: * Follow you * Connect with you * Trust you can you ever hope to get people to buy from you.
    Kathy

    Posted under Blogging, Make Money Tips, Marketing, SEO

    This post was written by admin on December 11, 2008

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