Refinancing Your Home - IS the Time Right?

Written by Keith Thompson


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Some things to consider when refinancing your home would berepparttar type of loan, (fixed, ARM, etc.)repparttar 138547 rate,repparttar 138548 term,repparttar 138549 costs associated withrepparttar 138550 loan, any cash equity you'd like to take out, andrepparttar 138551 time and documentation necessary for refinancing your home. This is a wildly competitive market, and please do yourself a favor and shop around. The same loan one lender will offer you can vary greatly from another just downrepparttar 138552 street as far as total costs go. Don't be afraid to say no: they're not doing you a favor by "giving" you this loan. They're reaping many thousands of your dollars in interest, so make sure you get what you want, not what they want to sell you. Remember, you're refinancing your home, not their summer vacation!

All in all, when refinancing your home, take your time. Shop around, compare, and you arerepparttar 138553 customer, and what was that they say aboutrepparttar 138554 customer always being right? You are, as long as you do your homework when refinancing your home.

Keith Thompson is a real estate investor and webmaster at Mortgage Loans Today where you can find more information and resources for refinancing your home


Getting Grant Funding For Your Nonprofit Organization

Written by Berwyn J. Kemp


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ŸPrepare a clear concise attractive development proposal of between 8 to 12 pages. While many large nonprofit organization tailor make a proposal for each program or project they’re marketing to get specific grantor, this can be a very time consuming process if your organization is small or mid-sized, withoutrepparttar staff and support that many large agencies have. Thus it’s better to prepare a standard proposal covering your capital, program, and operating needs. Then target it with a well-prepared submission cover letter.

ŸEven in those cases where a grantor does have specific proposal requirements. You’ll find still that most of what you’ve already prepared can be incorporate into your custom proposal quite easily. Allowing you to prepare custom proposals in those situations where it’s needed. This is especially true when seeking federal funding, where your proposal must be targeted torepparttar 138512 requirements ofrepparttar 138513 federal grantor.

ŸKeep in mindrepparttar 138514 fact thatrepparttar 138515 easiest kinds of grant to obtain are grants for capital needs items. And grants for unique, exciting, and innovative programs and projects. Whereasrepparttar 138516 hardest items to get grant for are operating cost items. So you should use grantors primarily for capital and program funding objectives. And secure private gifts from individuals to raise most of your operating cost funds.

ŸSet aside a block of time each week, even if it’s only three or four hours. During which time you or a designated staff member will devote torepparttar 138517 three key areas of effective grant solicitation. Namely, researching funding sources, preparing, and submitting proposals. Doing this will keep you up to date on who’s doing what, improve proposal preparation skills, and keep those grants coming in regularly.

Yes, you can getrepparttar 138518 grant funds you need to effectively operate your nonprofit organization. And help all those people who needrepparttar 138519 help that you provide them. But you must go about gettingrepparttar 138520 grants you need in an organized systematic fashion. And refuse to take “no” for an answer, becauserepparttar 138521 cost of doing otherwise is much too great for so very many.



Berwyn J. Kemp is a development consultant who helps nonprofit organizations obtain funding. For a free subscription to his offline newsletter Nonprofit Funding Solutions call (419)243-8373 or email bkemp100@yahoo.com. © 2005 Berwyn J. Kemp




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