Allgemeines » List everything you can be proud

With escrow accounts the money for your home insurance and property tax is added to your monthly mortgage payment and is paid out each year. With that said Devin Booker Jersey , you may think that having an escrow account takes the responsibility off your shoulders because the bank will make the payment for you each year from your escrow savings account. But beware, because many people have found that their property tax and home insurance have not been paid on time or at all!

Another negative fact about an escrow savings account is that the lender holding it doesn't have to pay you interest. There are only approximately 14 states that actually must pay interest on an escrow savings plan. You can ask your financial institution if they will allow you to save for your home insurance and property tax in a separate savings account as well.

If you are applying for an FHA or Federal housing Administration loan, try to avoid having to set up an escrow plan. Some lenders may say that you have to have this type of savings account, but it's not true. As a matter of fact Phoenix Suns Jersey , if you offer to open your own savings plan to save for home insurance and property taxes, your lender is required by state law to comply.

Use caution though, because some financial institutions may try to charge you a fee of up to 1% of the mortgage loan if they omit the escrow savings account plan. Be sure to read the fine print before signing anything.

Chris Rodriguez is the authorpublisher of . Discover helpful information on mortgages, car loans Al Horford Jersey , student loans, consolidation loans, and much more. Check out our website before you get your next loan or visit just to get tips and valuable information on a particular financial subject.
How To Set Your Business Goals for the Year Ahead Home Business Articles | January 8, 2008

As you begin a new year with a clean slate to design and plan your life and business Ben Simmons Jersey , do you struggle to get started? Creating a plan for the year ahead doesn?t have to be a challenge when you follow this simple, 20-minute process.



Each new year gives you a clean slate to design and create your life for the next 12 months. Do you know what you're going to put on that slate?


Oftentimes one of two challenges arises...


You stare at it blankly, not having a clue where to start or you quickly begin filling the slate with a host of new goals to pursue whether or not last year?s were met.


The best place to start before designing your year is to conduct a brief year-in-review to measure your accomplishments and lessons learned over the past 12 months.


This simple, 20-minute process gives you two powerful benefits:?


1. You acknowledge your many achievements and successes (big and small) which empower you to begin from a place of positive expectancy and creativity Joel Embiid Jersey , and


2. You identify what didn't work and what you don't want to re-create so you can make different choices and create more desirable outcomes.


Several years ago I coached a woman who was paralyzed by planning her second year of business. She had no confidence in her abilities and feared she would fail to achieve new goals.


I asked her where she had been in her business 15 months earlier and learned she was an employee -- an unhappy employee who wanted to start her own business.


I then asked her what she had accomplished since that time and during the next 10 minutes, she listed a host of new skills she had learned, new relationships she had formed, programs she signed up for Tobias Harris Jersey , new habits she created, new knowledge she acquired, discoveries she made and customers she attracted.


Once complete, she was stunned by her number of achievements in such a short period of time.


I asked her if anything had changed in her life to make her less effective than she had already been Josh Richardson Jersey , to which she replied, "no."


That brief process allowed her to drop the fear and move forward in excitement and anticipation and it can do the same for you.


Take a few minutes and list the accomplishments you created in the areas of:


- relationships (did you celebrate an anniversary, find your soul mate, disassociate yourself from negative influences Allen Iverson Jersey , make a new friend?)


- habits (did you overcome unwanted habits or create new desired ones?)


- travel (did you go on any trips or vacations?)


- health (did you improve your nutrition or physical fitness levels?)


- home (did you make renovations to your home or buy a new one?)


- self-help (did you experience personal growth or expand your mind in any way?)


- education (did you attend any learning events or enroll in new courses or programs?)


- finance (did you pay off your mortgage, car loan or credit card debt?)


- skills (did you develop new skills or learn a new language?)


- technology (did you learn Excel, a new accounting software, how to work a sophisticated camera?)


- business (did you take your first steps towards starting your business?)


- networking (did you join any groups?)


- clients (did you attract your first clientscustomers?)


- delegation (did you re-assign tasks you didn't enjoy doing?)


- adventure (did you fly in an airplane for the first time or travel somewhere you've never been before?)


Your list of accomplishments can range from having your first article or book published Philadelphia 76ers Jersey , to not letting your co-worker push you around anymore, to getting that tattoo you always wanted but were too afraid to get, to building up the courage to ask someone on a date for the first time.


List everything you can be proud of.