Forenregeln » t down to write a letter or report

When you find yourself in need of some extra money to pay your bills or make a major purchase Greg Little Jersey , you may want to seek out somebody who has been there before - someone wise who can walk along side you and point you in the right direction.

The need for wise advice during times like this can become even stronger if you have a bad credit score. Everybody knows that your credit score can mean the difference between qualifying for a low-interest loan and getting no loan offer at all.

Anybody looking to qualify for a second mortgage loan knows that this is one of the smartest, cheapest ways you have at your disposal to get the money you need. Of course, to qualify for this type of loan, you will need to have some equity in your home.

But, how will you confidently and wisely navigate the path toward getting your loan funded if you have a low FICO (credit) score? It may be time to seek out the wisdom of others.

If you want to know how to find bad credit second mortgage loans Brian Burns Jersey , here are 5 bits of wisdom:

1. Estimate your new second mortgage payment:

Before you get started down the path of applying for a second mortgage loan, you should consider carefully how this new loan will impact your financial life. The best way to do that is to estimate two things: a. your new second mortgage payment, and, b. the monthly cost of interest on the loan.

2. Figure out how much money it is costing you each month by NOT getting a second mortgage:

Now, compare that to whatever higher-interest debt you may be planning to pay off with the money from your new second mortgage loan. For example Curtis Samuel Jersey , if your new second mortgage payment will be $200month and the payments for the portion of your credit card debt that you will be paying down with the money from you loan is $350month, then the new second mortgage will give you an additional $150month in cash flow. Another way to look at it is: every month you delay in applying, you are costing yourself $150month in cash flow. (note: next, do a similar calculation for your interest savings with the new loan).

3. Go forward with selecting 5 lenders to work with:

Now that you know what this new loan is worth to you, go out and find at least 5 bad credit second mortgage lenders to possibly work with. Most of these lenders have years of experience granting loans to people with a rocky credit history.

4. Carefully check out the website of each lender:

Now Christian McCaffrey Jersey , before you start applying, carefully review the website of each lender on your list. Look for indications that they are credible in things such as customer reviews and number of years in business.

5. When you apply, be sure to request quotes for comparable second mortgages:

When you start applying for loan offers, make sure you request the same loan terms (i.e., same amount borrowed and same repayment term) from each lender.

Consider these 5 bits of wisdom as you find bad credit second mortgage loans. May I tell you about a writing technique shared by Aesop and Abe Lincoln?

Let's look first at Aesop's timeless tale about the tortoise and the hare. It's the one that ends "slow and sure wins the race." The entire story is about 160 words long.

Now let's move forward in history about 2600 years.

Nearly 150 years ago President Abe Lincoln stood to address the crowd at a cemetery dedication ceremony. He spoke so briefly and left the podium so quickly Donte Jackson Jersey , the photographer barely had time to snap a picture.

Yet the Gettysburg Address is considered one of humankind's greatest speeches. And it's only about 240 words. (That's even more impressive when you consider the average speech back then ran about 7200 to 15,000 words!)

Have you guessed what Aesop's tale and Lincoln's speech have in common? Yes?each is very short, well under 200 words.

Recent research presents convincing evidence that shorter, more succinct messages get read and remembered better than longer ones.

Next time you sit down to write a letter or report, remember Aesop. Remember Abe Lincoln. If they can write powerful documents in very few words DJ Moore Jersey , so can you.

You've got a great advantage over these two magnificent authors. They're not with us anymore. But tomorrow, you could create a classic.

Rix Quinn's new book "Words That Stick: A Guide to Short Writing with Big Impact" offers lots of writing ideas for both students and professionals. It's available from you local bookstore, or Ten Speed Press. Technology might be evolving at a pace that many of us struggle to keep up