Quotes of the Day

Hard money lenders are professionals who lend out their own money, or other peoples' money, for a living. They have a set way of doing things, a predefined interest rate, a predefined set of fees (points), and a very short term (usually less than one year). Private lenders are lending their own money but don't typically do so for a living. The rates, fees, and terms are usually lower and much more negotiable. The most common private money rates I see fall between 6% and 12%, depending on the relationship. [2015] - Brandon Turner

Usually, an offer should not come as a surprise. It should be a natural outgrowth of the discussion so far. It need not be a "take-it-or-leave-it" proposal. [1991] - Roger Fisher

Post the comments and photos of happy customers on your site. [2004] - Dan Gooder Richard

Tips for raising the search engine rankings of your Web pages: 1. Feature preferably just one--and at most two--unique keywords per page. 2. The title tag should start with your keyword. 3. The first sentence of the first paragraph should start with your keyword. 4. Mention your keyword three times in the next three sentences. 5. Out of every 100 words of text on the page, between three and eleven of those words should be the keyword--a "keyword density" of between 3 and 11 percent. [2005] - Robert W. Bly

Our wellbeing actually recovers more rapidly from the death of a spouse than it does from a sustained period of unemployment. Being laid off from a job in the last year did not result in any significant long-term changes. The key is to avoid sustained periods of unemployment (more than a year) when you are actively looking for a job but unable to find one. In addition to the obvious loss of income from prolonged unemployment, the lack of regular social contract and the daily boredom might be even more detrimental to your wellbeing. [2010] - Tom Rath