Attention Students, School is Sexy! Back To School

Where My Nerds at?!

I remember going to high school in the Bay Area and it was always the jocks and cheerleaders who were the popular crowd. I also remember thinking that they were probably going to be the rich and famous when we all became adults. Boy how a lot has changed since those days! Would you agree with that? I saw a bumper sticker that said be nice to the nerds, they will be your boss someday. I think that pretty much sums it up. Where you the “nerd” that people went to for tutoring? I lived in Lafayette CA and had to get some help so I found a Lafayette math tutor who helped me pass that dang Algebra class.

Don’t Be a Fool, Stay in School!

You may be thinking that school is really not worth your time. But nothing could be further from the truth! School is a necessary ingredient to the success in life. It’s not necessarily what you learn in the textbook the counts, but the fact that you can stick with something long enough to see it through. This is what is needed especially if you’re going to be an entrepreneur, a business person, a CEO… These are the types of positions that will cause you to rise to the top 5% of earners in the world. With an unwavering faith in yourself and the determination to stick it out.

Get Help if You Need It!

You should know yourself well enough to know when you need help. This is one of life’s greatest challenges, everyone in the world sees your weaknesses except for you. Consider getting help with your schooling when you go back to school this fall and look for some key characteristics of a tutor if you were thinking about going that route. This video should help you figure out What to look for him a good tutor:

Have a Great Year, and Remember, School is Sexy!

You want to get that date? Just wait. Wait until the time is right and your grades are tight. Don’t hit the skins until you hit those books and hit that alter. Don’t just go for the looks, make sure you go for brains and personality. You’ll be the boss some day, it’s almost guaranteed ;)) -Dating Guru

With OR Without Glasses, You’re Still Sexy… Where’s My Nerds At?!

Most people when they get a little older in life will end up needing glasses of some kind. For some it happens when they’re in their late 20′s and for others it’s when they’re well into their 40′s or 50′s or later. Either way, glasses do pose a major inconvenience for most folks who need them. Many of them will turn to alternatives such as contact lenses. But the new LASIK technology that has been hitting the market has brought the entire LASIK procedure price much lower than it was even five years ago.

Just can’t stand glasses or contacts

Looking your best is closely connected to feeling your best. Did you know that when someone looks good they actually feel good? Many folks who wear glasses are concerned about the way they look with them on. So to that end, they turn to LASIK but often find that it’s too expensive when compared to contacts. But careful examination of a lifetime of expenses related to the eyes that need correction, including exams, glasses, contacts or other treatments can be much more expensive than LASIK in the long run.

If you’re on the East Coast, you’ve probably heard about the LASIK Rochester Hills clinic called Oakland Eye Clinic. They have been helping folks to not only get in to a nice pair of glasses or contacts if that’s their preference, but also with the LASIK eye surgery. The surgery not only is delivered by the most up to date state of the art technology, but it is performed by a truly world class doctor and staff.

Many of the patients who get LASIK from this particular clinic come from many miles. They have been operating since 1997 and are among the top clinics in Michigan. To that end, folks cross state boarders just to drop the glasses or contacts in exchange for LASIK. When they do this, they are in for the kind of experience that previous customers have raved about as being able to see clearly early in the morning after they wake up – which as you know is often a hard time for those who need glasses – especially if the glasses are not on the night stand.

So whether you’re just concerned about your looks and haven’t found a decent pair of glasses, visit the eye clinic to see if they can fit you. If that just won’t cut it anymore and you’re ready to make the switch, then you must go the LASIK route and you’ll not only look better (according to you, because who knows, those glasses may make you look sexy to everyone else ;) but you’ll see better and feel better about yourself. Thanks for reading!


Get a Good Mortgage Even if you have Bad Credit Today

That’s right, even if you have bad credit today, you can still buy that home of your dreams, but you should consider these steps.

Fix your Credit so you can get the Best Rates for Home Mortgage

There are many things which often can build confidence in any circumstance. One of the most effective is creating a vast, sound knowledge about the matter you are facing. When it relates to mortgage rates, the situation is simply no different, and the article below can give you what you ought to know to build your self-assurance, so read on.

If you are looking for quitting your job or accepting employment with a different company, delay the change until following the mortgage process has closed. Your mortgage loan has been approved while using information originally submitted in the job. Any alteration can force a delay sum it up or may even force your lender to overturn choosing one to approve your loan.

You should have good credit to acquire a home loan. Lenders approve your loan based primarily on your own credit rating. With bad credit history, accomplish whatever it takes to stop a loan denial.

Do not slip into depression if you’re denied a loan. Instead, look at other lenders and fill away their mortgage applications. Each lender is very different on the criteria regarding loan approval. That is why it might be better to apply with multiple of them to obtain the top results. Next, you should consider where to buy.

Buyer’s Market in Texas

Many places throughout the US have had their own micro climates of real estate booms and recessions. It’s currently a buyer’s market in Texas, so a lot of California folks have (where it’s a seller’s market) have been selling homes for top dollar and buying real estate in Texas.
If you are buying a home for the 1st time, look into different programs for very first time home buyers. These programs can help with the price of closing, finding the best rates, and even assist in finding lenders to help people to get credit repair in Dallas or anywhere in Texas so they can get the best rates on their mortgages.

Stay persistent with your home loan hunt. Even if you have got one lender rejects you, it won’t mean they all will. Many are likely to follow Freddie Mac and Fannie Mae’s tips. They may also have underwriting tips. Depending on the lender, these kinds of may stricter than others. You possibly can always ask the lender why you were denied. Depending on the reason they provide, you can try improving the credit quickly, or you can just go along with a different lender.

Save your hard earned money. When you are going to finance a home mortgage, you will need to own some cash for a pay in. The more money you lower, the lower your payments and rates. The down payment goes right to the principal of the mortgage and is a sum you will not owe yearly interest on.

Never sign anything without talking to a lawyer first. The law does not fully protect you on the shrewd practices that many banks are going to participate in. Having a lawyer in your favor could save you thousands regarding dollars, and possibly your personal future. Be sure to get the right advice before proceeding.

Take time to get your credit into the top shape possible before you check into getting a home mortgage. The better the shape of your credit rating, the lower your interest rate is going to be. This will mean paying thousands less above the term of your mortgage contract, which will be worth the wait.

When you’ve gotten the mortgage, try paying extra towards your principal every 4 weeks. This lets you repay the loan considerably faster. Even an extra hundred dollars every month can cut your loan term by up to ten years.

Avoid paying Lender’s Home loan Insurance (LMI), by giving 20 percent or more down payment when financing a home loan. If you borrow more than 80 percent of your respective home’s value, the lender will need obtain LMI. LMI protects the lender for any default payment around the loan. It is usually a percentage of your respective loan’s value and can be very expensive.

Let your social circle know you are trying to get a mortgage. Friends, family and even coworkers can be wonderful sources of referrals and first hand testimony regarding who to use or prevent. Get online and seek away reviews and feedback from previous customers to get a feel for who is right for you.

You should build up your savings prior to going out and apply for a home loan loan. There will be lots of cash expenses, including a pay in, inspections, title searches, appraisals, application fees, and closing costs. For those who have a large down payment, you’re going to get better terms.

You must be demonstrably responsible to get a home mortgage. This means you ‘must’ have a good job that will cover your lifestyle with money to spare. Not only that, you must have been on the job for a few years or more, and you need to be a good employee. Your home mortgage company is entering into a long term relationship with anyone, and they want to know you are ready to commit seriously!

You should definitely have a large down settlement saved up. It is always better to put a larger sum down once you get a home mortgage. The more money you have to put down on your home, the lower your payments will be in the future. That means more spending money monthly.

Be sure to gather your entire financial documentation and have it ready in one file before applying for a home mortgage. You will need to own bank statements, tax returns, W2 forms and pay stubs readily available. Some lenders require additional paperwork of income and responsibility. Make sure to find out what is required before applying.

Get at least three mortgage offers before choosing which one to go using. Home mortgages, like many some other loans, will vary in his or her costs and rates from bank to lender. What you think is a superb deal may not be, so you need to see multiple options before making a choice.

If you are having problems making your own home mortgage payments, you may be able to seek counseling from the Department of Housing & Urban Development. Look up the number for your local HUD office and request counseling to counteract foreclosure. You can find info on your local HUD office by visiting their website.

Start Debt Consolidation ASAP!!

Reduce debt whenever you can increases your chances of being approved for a home loan. If you happen to not be in a good financial predicament, meet with a debt consolidation professional to help you get out of debt as quickly as possible. You can start by getting a 35 to 40%  balance on your credit cards to get a mortgage because being deeply in debt is a total red flag.

When you know it all in regards to home loans, you can be assured you’ll be able to make sound decisions. All it takes is  some time on your part to learn everything and anything you can from good websites and resources. Good luck on your house hunt, and make a place for you and your “boo” to make a home ;) – The Guru