Are You In the Money Pit?
By: JADE KELLY

You know, I can’t even begin to keep up with the credit card promo’s I am mailed on a regular basis. Special introductory interest rates, no annual fee, and on, and on. No matter how nice, good looking, or smart you are, credit is usually one of the most important factors a lender will use to give you a loan. Having an adequate income and job stability just doesn’t cut it. Don’t be tempted by these credit card companies. It is becoming more difficult to acquire a loan if your credit is shaky or in need of repair. Mortgage companies are going out of business everyday, the loans they approved over the past few years to high risk mortgagees, are foreclosing and causing imbalance. If you are planning on making a home purchase, I highly recommend you being pre-approved. If you don’t get approved the first time, seek advice and work on credit repair. If you already have established credit, and credit cards, pay your bills on time, every time. Pay off any credit cards with small balances. If you have medical bills, these can be overwhelming, but ignoring them and putting them in a to do file is not going to make them go away. Start with what you think you can afford every month and pay, pay, pay. Eventually, you will see light at the end of the tunnel. Renting a home may be your only option right now, but if you work on getting yourself out of the “money pit”, one day you will enjoy home ownership.

Renovating your shop fittings - can it be of benefit in the long run?

Customers these days have more in the way of disposable income to spend on luxury products and have more places to spend it due to the growing competition from the internet and more modernised customer friendly shops. In the pursuit of a new clientele, have some retailers left their existing customers behind with renovations and refits or is looking for a new customer base key for a companies evolution? The retail industry is a highly competitive market and individual companies are a. . .

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