Cleaning House and the 80-20 RuleWritten by Rosana Hart
Cleaning house is one of those things that needs doing again... and again... and again! How can you make it less of a burden?When I taught time management classes, one of things I loved to teach was 80-20 rule. It's best explained by examples. Eighty percent of time, you wear twenty percent of your wardrobe. Eighty percent of phone calls you get come from twenty percent of your friends. Eighty percent of dirt is on twenty percent of floor. Twenty percent of salespeople make eighty percent of sales. Okay, sometimes it's 90-10 and sometimes it's 70-30 but you get idea. Eighty percent of dirt is on twenty percent of floor? Hmm, what does that suggest about cleaning your house? Often a quick pass through parts of your house that really need it will make cleaning house much easier. If you are in a hurry, let dust behind sofa and under table alone and just clean a swath through heavy traffic areas. Sooner or later, you'll get to them as well -- or hire someone else to do a thorough cleaning occasionally.
| | How to Buy a Home with No Money Down Written by Garret Belisle
For many of us coming up with "the" down payment for a home is quite a struggle. There are many reasons for this, such as your income, your family needs, your savings account is well, non-existent. Not to long ago if you didn't have at least 10 percent down you didn't have a 10th of a percent of buying a home. As of late it can be a very affordable 5 percent or zero percent.Okay now on to how it is done... So let's say you are a first time buyer (although this also works if you have already owned a home) and you simply need a break. You need a way to get into market without spending a cent. Its called No Money Down Mortgage, at least that's what its called where I live, maybe its called Zero Money Down where you live but you get idea. Now here is what is needed : There are specific qualifications....and yes they are pretty much in this order. Read on MacDuff.... 1. An A Plus Credit History. No recent history of any bad debt of any kind, which also includes all payments for your credit cards or shopping cards etc, etc. must be paid on time in most recent months. 2. Limited liabilities. This means something like "Sign here....don't move while we look into your ENTIRE credit history, but disclosure is not a bad thing, if your credit is good it will certainly work in your favour. This is done to make sure you can carry extra debt.
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