Many people have been experiencing difficulties in obtaining loans. It is not a surprise since the whole mortgage industry is on a credit crunch. All lenders are limiting loan approvals and mortgage requirements are getting severe. Because of this, it has made many unqualified borrowers in the industry.If this were to continue, more and more people would have a hard time pursuing home ownership. Almost all people are depending on conventional loans for home buying and their only chance to afford the purchase is being hindered by something out of their control.The good news is people have found other means to mobilize their home buying deals without having to apply for conventional loans. Even people with poor credit can buy a house when engaging to this option. This method is known as Alternative Financing.Alternative financing has had growing popularity in the market. While you may not be aware of this, it has been going on for quite some time. Alternative financing have many faces. If you want to learn more about them, the following will give you an idea on what it is all about:1. Seller Financing- In this financing, sellers take in a portion or the whole amount of financing for the buyer. It is also known as owner carry back. In here, the seller acts as a lender. Buyers will give the payment for financing directly to them. It is also the seller and the buyer who will discuss the terms of financing and it can even be tailor-fitted to the buyer.2. Lease/Rent to own- There are sellers who offer to sell their homes after a specific period of renting. However, the amount of rent or lease may be quite expensive compared to the usual price because a portion of what you are paying will be used as part of the payment in purchasing the house. This is what rent or lease to own financing is all about.3. Assuming of Loans- This is a kind of financing where the buyer can take over the existing loan of the seller. Generally, the buyer would have to pay back the seller for some or whole of their equity and the rest of the purchase price will be taken cared of through other means of financing. This is a faster way to pay up a loan. Moreover, if you have troubles with credit, you may be in luck to purchase a home through non-qualifying assumptions.4. Zero Down payment Loans- As the name implies, in this financing you do not have to worry about shelling out money for down payment. Although not advisable, but if you really are having problems with coming up with a typical 20% down payment, then this should be your option. If you want to avail of this option, you may have to contact your local banks about it.So, if you really want to purchase a new home and you just have a hard time coming up with the money or getting qualified with conventional loans, this is your solution. Alternative financing makes it possible for you. Just do not forget to weigh the advantages and disadvantages of every option, so as not to get into financial troubles in the future.
Advertising: Art, Science and More
“Advertising is based on one thing: happiness. And do you know what happiness is? Happiness is the smell of a new car. It’s freedom from fear. It’s a billboard on the side of a road that screams with reassurance that whatever you’re doing is OK. You are OK.”The above lines from the Mad Men could be a timeless classic in beautifully expressing the essence of advertising. Advertising is indeed all about happiness, of being assured, of being worth it, of being taken care of, of being valued and of being loved.Love of AdvertisingAsk any advertiser, what do they love about a job where work hours a tiresomely long and the pressure to come up with new ideas consistently, is high? Whether or not they answer you, their answer would invariably come to rest on one thing – the thrill of creating something which could affect the minds of many.Like the gloriously heady concept of ‘Dream within a dream’ in the movie inception, the power to affect the minds of others through your art and witticism, is a great one. It is not hard to miss for most advertisers.Art of Advertising Also, all advertisers are essentially artists who use their art for a purpose. There is no greater happiness than being able to express yourself through your art and getting paid for it, maybe even obscenely (yes but only if your ‘art’ is loved equally well by others, that is).Being allowed to be able to be an artist for a career and not be a starving one at that (in fact quite the opposite) is what draws many talented people to advertising and also keeps many working in this line of work despite everything.Science of AdvertisingAny ad concept or a campaign is well researched before coming into picture. This research could be quite in depth and intricate which is directly proportional to the budget of the ad and the stakes involved.The science of advertising is the complete planning which takes place before an ad comes in front of the audience. There is market research, target audience’s psychology analysis, decisions with regard to place, product, pricing, packaging and people, understanding of the client’s needs and goals plus so much more.It is only by a proper understanding of the science of advertising that the ad creative’s are briefed accordingly to take over the next step.People in AdvertisingThere are several different kinds of people who work in advertising – right from ad visualizers to copywriters to filmmakers to graphic designers to art directors. Each has their own specific role in the advertising ecosystem like an ad director is responsible for how an ad will look like in terms of its visual appeal and a copywriter will be responsible for writing the content for the ad.Advertising also has its set of mangers and client servicing people who may or may not be involved in the creative process. Normally the ad world creative’s are known to be wild and woolly, bratty and sentimental, poised and wild, simple and complicated, normal and crazy and what-have-you, usually all together in one person.The people in ad world are generally quite liberal in values and open minded as compared to people in other industries.Atmosphere at an Ad AgencyMost of the times, an ad agency that you may work at may have quite a chilled out environment. Clothing could be casual on all days (not for the managers and client servicing people though) and more than average make up, revealing clothes, torn clothes etc may all be okay as long as you are producing good work.Drinks may be easily available and most people won’t mind you smoking. There may be some game room or some games handy that you probably will never have the time to play. Every day may seem to be like a high pressure party where you must keep working too hard to stay.Architecture and Interiors of an Ad agencyAn ad agency may have one of the most interesting architecture or creative decors. With over sized human dolls, interesting paintings on the wall, makeshift furniture, crazy curtains, cool office stationary, spray paintings, swear words, collages or other messages on the walls and what think you, things certainly feel quite crazy and creative in an ad agency.One surely cannot comprehend what these creative’s may fancy next and which may form a part of the decor. Things present in an ad agency may spell creativity out loud and make a creative person feel amply at home in their imaginative world.The architecture may be equally interesting with completely round buildings, differently shaped ones or even a fusion of architectural styles.New age advertising With the advent of technology, advertising too has moved up the quarters. No more is the ad must sitting in the print or even in the television commercial. Today we find advertising having taken over the short message service (SMS) and OBBD in the phones, social media networks like Facebook, Twitter and LinkedIn, websites like YouTube and blogs with any content worth their salt. Advertisers make sure that anywhere there is human presence; there must be ads to call them to action.Criticism of Advertising And like all good things, the field of advertising has had its share of criticism too, chiefly among these, is that it is a field which makes money by fooling people.While good advertising never writes lies but the whole profession of advertising works on highlighting the good. Sometimes it might happen that the good gets highlighted so much that it may make the consumer blind to other aspects which could be detrimental to them. In any case, too much of even a good thing is harmful.Hence instead of blaming the sunshine happy field of advertising, it is the consumers who must exercise their own caution while selecting a product and learn to read between the lines.
Yahoo Small Business – The Many Benefits
When a person starts a small business, there are many preparations to be made to ensure the overall success of the business. Some of these preparations include setting up a webpage, developing a domain, implementing emails for the business, getting internet access that is appropriate to the needs of your business, as well as developing a marketing strategy. If you implement the use of Yahoo Small Business, you can get all of this and more! In this article, you will be introduced to a number of benefits when it comes to using Yahoo Small Business.One of the main benefits of using Yahoo to assist you with your small business needs is the Yahoo Small Business Web Hosting service that is offered. With Yahoo, you can enjoy a multitude of wonderful features. The first being that you can design your website with a great deal of flexibility! You can also implement the use of the many professionally designed templates, or pull a template from a 3rd party.In addition to this, Yahoo Small Business Web Hosting service gives you a lot of web hosting space for your products. Each month, you are permitted to have an unbelievable 200GB of bandwidth in which data can be transferred to your customers. You can also enjoy a large 5GB of web space to effectively design your website.When you sign up for Yahoo Small Business Web Hosting, you can get a free domain name in order to brand your website. If you already have a domain name, that is no problem! Yahoo will allow you to bring your own name with you! In addition to outstanding features that come with your web hosting subscription with Yahoo, you can enjoy the comfort of knowing that there are specially trained professionals available to you every hour of the day of the week if you have questions, concerns, or issues with your service or website.Many small businesses enjoy the Yahoo Small Business Web Hosting service because the subscription runs on a month to month basis, and there are no contracts involved in which you must commit to a certain term of service. Furthermore, the prices are quite competitive. You can have all the benefits of this service for as little as $7.77 for the first 2 months, and then $8.96 per month thereafter! This is an exceptional value!When using Yahoo Small Business, you can enjoy a variety of marketing features. Marketing is a key component to the overall success of your business. One of the most popular methods that many business owners use is advertising in Yahoo! Local. You can display your business logo, describe your business, advertise your products, and more by implementing the use of this effective marketing strategy.Individuals who take advantage of the marketing tools in Yahoo Small Business can submit their website to the Yahoo search engine. Many business owners also submit their website to the Yahoo Directory, and promote their products in Yahoo Shopping. By using these various marketing tools, a business can gain exposure, increase their search engine ranking, and potentially earn an outstanding income. Yahoo Small Business works to make every effort to ensure that each business is successful in their endeavors.Internet access is often very important when it comes to the productivity of the small business. While there are numerous providers of internet service available today, if a business decides to use Yahoo as their one stop business solution, they can enjoy the collaboration of Yahoo and AT&T. This collaboration can provide you with an inexpensive way to ensure high speed internet access with great reliability. For as little as $14.95 a month, one can enjoy exciting features such as enhanced business security, effective and reliable connections, and many tools that allow you to communicate with your clients, customers, and coworkers.Email is an essential part of every small business. When you utilize the email service that is provided by Yahoo Small Business, you can enjoy many features, which include:- Unlimited Space on the Email Server- Your Domain Name on Email Addresses- Free Email Newsletter- Spam Solutions- Name Brand Antivirus SoftwareBy using this Yahoo Business Email service, you can assign personalized email addresses to individuals that conduct work within your small business. If you want to create a professional, high-quality solution to your email needs, Yahoo provides outstanding services that make this possible.As you can see, utilizing Yahoo Small Business can prove to provide many benefits to your small business. You can depend on this service to provide highly technological solutions for your business with outstanding reliability and customer service.Create a yahoo web site for yourself and see the excellent benefits and features that you can have for a great price. The Site Solutions tool alone will amaze you with how easy it is to build a web site. These features are a great beginning on why anyone should choose Yahoo Small Business.