How To Stop Forelosure

Written by Dean Lusk

A loss of a job,death in family, medical expenses and other life-altering situations can happen to anyone, causing us to fall behind in our mortgage loan payments. If we neglect paying our

credit cards it hurts our credit rating; if we neglect our home loan paymentsrepparttar lender will foreclose, and repossess our home. We are often embarrassed to talk about our money problems, but that approach doesn't solve anything. Put your pride on hold and get serious about avoiding foreclosure.Contact your lender as soon as you know your payments will be late. Never ignorerepparttar 109366 lender's letters and do not assume you are in a hopeless situation. Lenders do not want to foreclose, and will usually work with you to get your account back on track.

Below are Solutions for Temporary Problems

1.Reinstatement When you are behind in your payments but can promise a lump sum to bring payments current by a specific date.

2.Forbearance You are allowed to delay payments for a short period, withrepparttar 109367 understanding that another option will be used afterwards to bringrepparttar 109368 account current. Lenders sometimes combine Forbearance with Reinstatement if you know you'll haverepparttar 109369 funds to bring your account current by a specific date. 3.A Repayment Plan If your account is past due, but you can now make payments,repparttar 109370 lender may agree to let you catch up by adding a portion ofrepparttar 109371 past due amount to each currentmonthly payment until your account is current.

Work attitude ethics for progress

Written by Pierre de Bruin du Plessis

January, 12, 2004

This "fruit for thought" article is for all human beings, who somehow find themselves inrepparttar role of breadwinner and striving to improve their living standards.

© This article may be re-published only in ezines, magazines, newspapers and web sites, as long as it remains unchanged, together withrepparttar 109365 accompanying signatures and this copyright notice.

The heading of this article could just as well have been "How to position yourself for promotion" or "How to position yourself for career advancement" or "How to climbrepparttar 109366 success ladder" or something similar.

The answer on how to cultivate good work ethics is simple. Make yourself one ofrepparttar 109367 linking pins in your organisation. A linking pin is someone to whom everybody turns to, to get information and advice from. It is also someone who can link persons, sections and departments for better co-operation. But most important of all, it is someone who can exert influence upwards, downwards and sideways inrepparttar 109368 organisation structure. In other words you must be able to influence people around you to carry outrepparttar 109369 wishes, policies and strategies of top management, by earning respect through your display of expertise and thoroughness. You must also be able to representrepparttar 109370 valid wishes and needs of lower levels to top management. You can become a linking pin by striving to attainrepparttar 109371 following traits:

Cloak yourself with expert knowledge in your technical field of operation.

If you are an electrician, do not only be satisfied with your qualification. Try to gain more in depth expertise in this technical field of yours, to distinguish yourself from other electricians.

If you are an accountant, avail yourself of in depth knowledge about bookkeeping practices by studying or reading up on subjects pertinent for your field of technical expertise.

You can bluff your way during interviews, but once you have been appointed, people expect from you to perform. This is whererepparttar 109372 cookie crumbles or you succeed. The point is you must not only perform at an average level, but you must display exceptional or above average expertise, so that others can start to rely on your opinions and advice.

Produce accurate work.

Cultivate a habit to carry out your work correctly with a minimum of mistakes. Sloppiness or tardiness must definitely not be present in your attitude, personal appearance or any of your work outputs, be it notes, memo’s, letters, spreadsheets, conversations or anything related to your work.

Imagine what will happen if debits and credits are being processedrepparttar 109373 wrong way around in a financial department. It will have disastrous consequences. Strive for professionalism in what you do.

Be quicker than most.

This is one ofrepparttar 109374 best ways to demonstrate your superiority and efficiency. By executing duties and tasks speedily, you are being more productive and can entice more important tasks your way and thereby not only increase your merit ratings, but also your ultimate job rating. If you can perform your duties speedily, do not wait and stay idle, but present yourself to your superior for more work. Find a balance to be both quick and accurate.

Display awareness of productivity.

This must start with your own self-evaluation. Ask yourself constantly if you are giving more back torepparttar 109375 organisation in value, than what you are being paid every month. Although not easy to calculate, just thinking about it may have enough of an impact. Just imagine for a moment if your organisation were to be solely dependant for profit onrepparttar 109376 output of human beings only. In other words nothing to sell or produce but labour output. If you can do more, it reflects directly on profit. Luckily a lot of organisations have machines that make up in productivity for what is lost by unproductive employees. But being more productive in what you do as a human being, can contribute significantly torepparttar 109377 profits of any organisation. As salaries are one ofrepparttar 109378 highest cost elements in any organisation, this is one ofrepparttar 109379 first cost elements that come under scrutiny during times of cost reduction efforts. You have to show your worth in order not to be included in downscaling ofrepparttar 109380 labour force. But more positively, you have to show your worth to be counted in for consideration for promotion.

Get rid of time wasters.

Arriving late for work, stretching of tea and lunch breaks and elongated private conversations onrepparttar 109381 phone, are not only wasting your valuable time, but are a reflection of your poor awareness of productivity. Private conversations onrepparttar 109382 telephone are one ofrepparttar 109383 most abused methods of stealth stealing from your employer. If you cannot be trusted onrepparttar 109384 use ofrepparttar 109385 telephone, what else can you be trusted with? Are you a role model for getting rid of these time wasters or for abusing it? Are you earning respect for your ethical conduct in eradicating time wasters or are you just one ofrepparttar 109386 crowd? If you discipline yourself and others around you onrepparttar 109387 economical use of time, you are on your way to earn a respected leadership role. Others must detect a sense of urgency in your execution of duties to begin to respect and follow your example. Do you want to be a follower or a leader? Do you want to stay obscured inrepparttar 109388 crowd forrepparttar 109389 rest of your life or do you want to be recognised? There is such a thing as telephone ethics, you know. If you are prepared to pay for your use ofrepparttar 109390 employer telephone, you are not abusing it. Do you really know what you are costing your employer for usingrepparttar 109391 phone? You are not supposed to use it for private purposes inrepparttar 109392 first place. It is a privileged instrument entrusted to you to help you in your work and not to cause financial loss to you employer.

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