Hiding Things From Your Mortgage Broker Most of us have experienced times of financial difficulty at some point. While it can be embarrassing to discuss issues like this, your mortgage broker is there to help you get loan approved despite such issues. Your mortgage broker can only help you with those things with which s/he is aware.

Making Late Payments Late payments, especially those within last year, can be very detrimental to getting best rate, terms and even difference of being approved at all. While this might seem like unnecessary advice, ALWAYS pay on time.

Over Using Credit Cards Credit cards are a convenient way to make purchases, but if not paid off or balances kept low you might find it more difficult to get best rates and terms on your mortgage. Keeping your total debt as low as possible helps you get mortgage that best meets your specific needs.

Cosigning On Someone Else’s Loan While it can be a great service to a friend or loved one, signing to guarantee someone else’s loan is often a big head ache for cosigner. Before cosigning you decide if you’re willing and/or able to assume liability.

Not Getting All The Facts It is important to learn total cost of your mortgage loan, both at closing and for life of loan. While mortgages can look a lot alike there can be subtle differences which can save or cost you thousands of dollars. Get all facts and know what to expect.

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Mortgage regulations have changed significantly over last few years, making your options wider than ever. Subtle changes in way you approach mortgage shopping, and even small differences in way you structure your mortgage, can cost or save you literally thousands of dollars and years of expense.

Get Right Information - Whether you are about to buy your first home, or are planning to make a move to your next home, it is critical that you be informed about factors involved.

Everyday people have their mortgage loan turned down because of one or more of these mistakes. By taking these few minutes to acquaint yourself with "11 Deadly Mistakes When Applying For A Mortgage" you can save thousands on your mortgage.

With all rapid changes happening in an organisation, many bosses forget that it is their people who make their organisation tick. So talk to your team - find out their challenges and work out solutions. If you ask questions and listen to your staff, you might just learn how to save yourself thousands of dollars!

In my experience, if there is a major problem occurring in an organisation whether it is big or small, that problem is generally caused through poor communication. Having regular meetings with your team is crucial for a happy and productive workplace. Working with people is not like a production line. We are all different, with very different needs - "one size definitely does not fit all".

Start today in your organisation - take action and get those lines of communication happening!

Lorraine Pirihi is Australia's Personal Productivity Specialist and Leading Life Coach. Her business The Office Organiser specialises in showing small business owners and managers, how to get organised at work so they can have a life! Lorraine is also a dynamic speaker and has produced many products including "How to Survive and Thrive at Work!"