Business Tips

1. Be honest You do not want to lie on your hardship letter. If you do, chances are it will come back to bite you. Your hardship letter should include documentation to prove that you are unemployed, or receiving a certain amount of income; if you make a story up, or exaggerate, it will do you no good. If you truly in a bind, and can’t make payments on your home for a good reason, it will shine through in your letter and your loan modification will have a better chance. 2. Appeal the lenders sense of ethics The above tip might not sit well with you. After all, the lender was partly responsible for the predicament you’re in, right? Regardless, you should always end your hardship letter with an appeal to their sense of right. For example, in my hardship letter I wrote something like, “I have done the best I can to make payments; sacrificed many things I enjoy in life, sold my car, and reduced other debts; borrowed money from friends and family, and more. I cannot keep doing this, and feel that I have done everything I can to keep my house. The rest is up to you. I only ask that you reciprocate the same effort into the loan modification as I have done to keep my house.

3. Make Your Request In the subject-line and the first paragraph of your hardship letter, state exactly what you are requesting. Reiterate this request in slightly different words at the conclusion of the letter. Also, at the end, make sure to quickly state what you hope to achieve. Ask directly for a loan modification and be sure to tell them that a loan modification is your last, and only resort at this time. 4. Be Humble and Thankful To reach the point where you have to write a financial hardship letter means that you are in deep financial trouble and this is basically your last resort. Don’t get into any blame games or side issues. Be respectful and thank the addressee in advance for considering your situation. For example, you might mention something like “I realize I made the choice to purchase this home, and that it may have been a mistake, but this is where I am now and a loan modification is the only way I forsee keeping my house. Thank you for taking a moment to read this, and I hope to hear from you soon.” 5. Give Enough Information Your letter should provide enough detailed financial and related information so that the reader can easily understand your situation. Attach clarifying documents as necessary including: cash flow statements, bank statements, income tax statements, invoices, letters, etc. If you do not provide sufficient information you WILL have to fax or mail it at a later date, which will only delay your loan modification. Take the time to gather everything that backs up your story, make copies, and send it all.

No wonder more than 35 million people visit the Orlando, Florida area each year. Blessed with great weather with temperatures ranging from an average high of 82 in July to a low of 60 in January, it’s a welcome respite for millions of people seeking refuge from the harsh winter temperatures of the north. Along with the benefit of comfortable weather year-round, there are a plethora of things to do for kids of all ages. Renting or Purchasing any of the Pre Construction Condominiums in Florida gives you the opportunity to take advantage of the many attractions Central Florida has to offer. Along with the well-known Walt Disney World, Sea World and Universal theme parks, many other wonders await you. Pre Construction Condominiums near Disney World place you in the vicinity of Kissimmee, Florida where an abundance of Pre Construction Condominiums abound. Families first vacation in Florida list a three bedroom vacation villa with two baths, washer and dryer and kitchen with fridge and microwave available for rent. Other amenities include a pool, fitness room and game room.
Many Pre Construction Condominiums in Florida offer fully furnished condos with full kitchens, two or more bathrooms and a community pool and spa. These Florida Pre Construction Condominiums are in the Kissimmee area, near Disney.
Luxury Pre Construction Condominiums in Florida
Thinking you will have to spend a fortune on luxury Pre Construction Condominiums in the Orlando area? Low cost family accommodations specials close to Disney are listed at Windsor Palms where you will find luxury two and three bedroom Condominiums in Florida to rent only 5 minutes from Disneyworld and offering discount prices which can be cheaper than a hotel room. Each resort vacation villa comes with two bathrooms and a screened lanai with access to a community pool. Booking lodging reservations in the Kissimmee area near Disney in a condo as opposed to a motel/hotel room is a smart choice, especially if the kids are accompanying you. Many Pre Construction Condos offer more spacious accommodations, a boon for everyone after a long day of sight-seeing. Pre Construction Condominiums often also provide other distractions for the kids. Some provide VCR’s and video games and staying in Pre Construction Condominiums in Florida can also give the advantage of other diversions such as a fitness room and game room. Finest Vacation Villas offer Condominiums in Florida to rent directly through the owners. Vacations in Florida Condominiums booked through the owner has distinct advantages. Usually they are in gated resort communities for added privacy and security. Dealing directly with the owner could result in cheap prices and the owner may be able to offer you special deals on a resort villa you couldn’t bargain for when working with a company. Don’t be afraid to ask for their lowest price when requesting information. Last minute deals, if available, may also be your ticket to a cheap condo vacation. Searching for time share deals for rent will also turn up deals.
Disney Holiday Activities close to Pre Construction Condominiums in Florida
Planning on spending the Christmas season in the Central Florida area? You are in for a real treat! The Orlando area pulls out all the stops when it comes to celebrating the Christmas season. Booking your reservations for Condominiums in Florida around this time of year will not disappoint you or your family. Disneyworld’s seasonal celebrations include Mickey’s Very Merry Christmas Parade during selected dates at the end of November and throughout December. Spending a day at the Magic Kingdom during these dates will provide your family with hours of the festive party atmosphere. Light displays, caroling and storytelling are featured throughout the park. Holidays around the World is Epcot’s seasonal celebration which highlights the costumes and holiday traditions of various countries around the world. Your stay in area Florida Condominiums will also allow you to enjoy the Osborne Family Spectacle of Light where millions of lights create a magical spectacle at the back lot of cityscape. Mickey’s Jingle Jungle Parade will be certain to delight the kids at Disney’s Animal Kingdom. Downtown Disney stages Festivals of the Season November 26 through December 24 where shopping, good cheer and a festive atmosphere permeate the stores and restaurants.
Universal Seasonal Activities near Florida Condominiums
Florida Condominiums accommodations near Universal Studios will give you front seat access to their unique holiday attractions. The highlight of this season is the Macy’s Holiday Parade at Universal Studios. Authentic balloons and floats transported from the Macy’s Day Parade in New York City are used in this exquisite parade celebration. All your favorite characters will be there plus marching bands from around the country along with delightful clown antics. Islands of Adventure features their best-known Christmas character, the Grinch. Kids can search for him in his hidden mountain lair and get their picture taken next to him. Don’t miss the Whoville musical and the Seussian tree lighting, all unique seasonal events included in the cost of admission. Christmas in the City will be featured at Universal City Walk where the finest decorations and amazing celebrations will delight you. Enjoy the carriage ride, the sing-along choir and nightly snowfall. Need we mention the amazing shopping experience also!
Central Florida Holiday Events near Florida Condominiums
Accommodation close to Sea World will allow you to enjoy the Christmas decorations, live Christmas music and nightly snowfall. The highlight of Sea World’s seasonal celebrations includes Shamu’s Christmas: A Child’s Wish featuring live choral music orchestrated to the dance of killer whales. The Nutcracker ballet will be presented at the Bob Carr Center for the Performing Arts various dates throughout the month of December. Silver Springs salutes the holiday season with their Festival of Lights, includes strolling carolers, a lighted boat parade, local carolers and of course, a visit from Santa. For information about these and other Orlando events, visit www.orlandoinfo.com. For the sports lover two games will be staged in Central Florida during December and January. The 2004 Champs Sports Bowl, known formerly as the Tangerine Bowl will be held at the Florida Citrus Bowl Stadium December 21 at 7:45 pm. Teams from the Atlantic Coast and Big 12 conferences will battle it out at the stadium. January 1 at 1pm also at the Florida Citrus Bowl Stadium, teams from the Big 10 and SEC will be pitted against each other. Check out www.fscports.com for further information.
Florida Condominiums near Holiday Attraction
When searching for Florida Condominiums, don’t neglect the city of Davenport, Florida near Kissimmee. Searching for the best price on Florida Pre Construction Condominiums or Florida Condominiums will probably turn up condos in the Davenport. Davenport is located just 5 miles southwest of Disney. Its great location makes it a perfect base from which to explore Central Florida. The unique attraction of Davenport is the peacefulness of a smaller town nestled close to orange groves. Davenport is near Walt Disney World, Sea World and Universal Studios, less than 30 minutes away. A super Wal-Mart and a new Publix Supermarket are close to this quaint Florida town. Lodging is abundant here and includes a Holiday Inn Express Hotel and Suites, Red Carpet Inn, Ramada Inn Southgate and Villas at Polo Park, among others. A unique place to stay is Island Hideaway, offering everything from economy rooms with kitchenette to five bedroom three bath vacation villas. Units come fully stocked and other resort amenities include a full size pool with kiddie pool, basketball, volleyball and tennis courts, a massage room fitness room and convenience store on the premises. This may be the ticket if looking for a discount condo. Check them out at www.islandhideaway.net. Enjoy your fabulous fun-filled vacation! Art McCarty http://www.biminibayresortinvestment.com

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Your IR is Essential to Your Market Position
by Kathleen Gage

I’ve got good news and bad news. The good news is that 98% of businesses are small businesses. That bodes well for the entrepreneurial spirit that has made our nation great. The bad news is that 80%, that’s right, four out of five new businesses will fail in their first five years.

Do you have trouble keeping all your files, data, and reports sorted, yet easy to find? The latest medical billing software will do that for you as well as save the amount of time you spend searching and accessing that information; the costs it takes to manage all the different databases, and the headaches you get from worrying about all the various aspects of your business.

You’re SOOOO Close to More Business – It’s Scary!

Many small business owners are longing for more prospects right now. They are contemplating giving up because they don’t have potential for more income or they’re pondering the plunge of launching their business for the first time. Either way – you are soooooooo close to more business – it’s scary.

You’ve got passion, you�ve got drive and you have a great concept that you think people will love.

But you say to yourself �Hang on a minute, there�s got to be more to it than that�.

Well, you are right…and the scary thing is that if you don�t learn the ropes fast, there is a high probability of failure.

You’ve got passion, you�ve got drive and you have a great concept that you think people will love.

But you say to yourself �Hang on a minute, there�s got to be more to it than that�.

Well, you are right…and the scary thing is that if you don�t learn the ropes fast, there is a high probability of failure.

One of the most profound statements made on the subject of positioning comes from Louis Carroll’s, Alice In Wonderland. When Alice asks the Cheshire Cat which path to take, he responds, “If you don’t care where you’re going, it doesn’t make a difference which path you take.”

Of course you don’t. Chux saw its product as a luxury item, and happily kept its little throwaway business to itself for almost forty years. Then Pampers came along in the 1960s, supported by a huge, mass-consumer vision with persistence to match, and blew Chux out of the market-transforming baby rearing forever.