For last year's words belong to last year's language
And next year's words await another voice.
And to make an end is to make a beginning.
We will open the book. Its pages are blank. We are going to put words on them ourselves. The book is called Opportunity and its first chapter is today.

Immed. need for 2 caring nurses and 1 nurse practitioner for great home health care agency in north suburbs of Chicago. email ron@silverprofessionals.com w/ resume

http://ping.fm/K4ha2

Silver Professionals: 9 new job openings for Industrial Process Control co.
*FT purchasing/buyer with inventory control experience
*FT Exec. asst. to CEO with advanced Excel skills and experience in Operations
*Exp. Customer Service reps
*Exp. Technical Inside Salesperson-background in Industrial, Instrumentation, Process Control, Process Automation a plus
*Outside Sales Gurus for Northern Illinois including Rockford and possibly Southern Wisconsin
email ron@silverprofessionals.com w/resume

Silver Professionals newest job openings! Referral fee to anyone introducing me and putting back to work one of these great professionals:

Immed. need for 2 caring nurses and 1 nurse practitioner for great home health care agency
http://ping.fm/pBgDs

Outside Sales rainmaker..Leader in instrumentation /distribution field..Rockford and Milwaukee areas
http://ping.fm/seaju
Professional Bookkeeper for mid sized acctg. firmin Naperville, IL.
http://ping.fm/lwvU9

-Silver Professionals is the catalyst of change in Employment 2.0...Permanent PT..Our deepest satisfaction comes from finding other companies to embrace our scientists ,health care, manufacturing, energy/green, legal, tax , financial, HR, IT professionals and veterans and help them put to work part time some of the greatest minds, while increasing their ROI
Leverage President Obama's new job initiative or the existing $2500 per hire..
Augment your HR group..Go golfing/sailing earlier on Wed.

Please feel free to check out our most current Press/Media releases.
WGN MIDDAY NEWS:
http://ping.fm/wPQeF
WGN Radio Newscast-Bill Moller show
http://ping.fm/q1G2w
CHICAGO EXAMINER:
http://ping.fm/s8ygV
CHICAGO NOW:
http://ping.fm/RMD8e
The Challenge..Let others lead small lives, but not you. Let others argue over small things, but not you. Let others cry over small hurts, but not you. Let others leave their future in someone else's hands,but not you.

Your DNA dictates your passion. Crush it!

WHAT AFFECTS CREDIT SCORES: 7 MISCONCEPTIONS

 

 

 

WHAT AFFECTS CREDIT SCORES: 7 MISCONCEPTIONS

You have to keep your credit score up in case you want to take out a second mortgage or home equity line of credit (HELOC), or get the lowest premiums on your home owners insurance. Here’s the 411 on how various money management tactics goose up or ding your credit score.

More money improves your credit score
False. Your level or sources of income don’t affect your credit score, although lenders may look at it when making loan decisions, according to the Fair Isaac Corp., the company that issues the commonly used FICO credit scores.

Ownership of several credit cards can hurt your credit score
Mostly false. Having many credit lines isn’t necessarily a bad thing, says credit expert Liz Weston, author of Your Credit Score. Multiple lines give you a favorable debt-to-available-credit ratio. But use them correctly: It’s best to keep any balances below 10% or 20% of the total credit line, she says. Anything more will affect the ratio of debt-to-available-credit, which can decrease your credit score.

Opening and closing credit lines can hurt your credit score
True. New credit applications can decrease your credit score, so be careful about applying for new credit cards or personal loans before applying for a HELOC, second mortgage, automobile loan, or other large line of credit.
Surprise: Closing existing credit lines may also hurt your credit score, since it’ll damage your debt-to-available-credit ratio. A good rule is not to make any credit changes in the months leading up to a major credit request, such as for a HELOC.

Consolidating credit lines will help your credit score
Mostly false. Although it may seem like a good idea to move all your balances to one card, that can actually hurt your credit score, since your debt-to-available-credit ratio will spike on that card, says Weston.
However, credit expert Harrine Freeman says such a slight decline isn’t necessarily a deal-breaker for a loan, especially if the card has a lower interest rate and will allow you to pay off the balance sooner. Your score will increase as soon as that ratio goes down.

Changing jobs can hurt your credit score
Partly true. Taking a new job or losing your job doesn’t affect your credit score. However, if you have a spotty employment history, lenders may hold that against you in making a loan. Dips in income may signal that it could be difficult to pay bills in a timely manner.
Co-signing for others can hurt your credit score
Partly true. Simply co-signing on a loan for someone else may not affect your score, but if that person is late on paying the loan, it’s likely to show up on your report, says Freeman. And that’s a nasty surprise if you didn’t know the person was late.

Judgments and liens aren’t considered in your credit score
False. If you’ve had a judgment or lien filed against you, it’s considered in your payment history, which represents 35% of your score.
Similarly, while most utility companies don’t report payment history to credit bureaus, your account will likely be reported if it is seriously delinquent and referred to a collection agency.
Additional details on how to manage your FICO score are available on the FICO site.

FSBO IS A NO-GO

FSBO IS A NO-GO

It's hard to resist commenting on the story which recently appeared in the Wall Street Journal regarding Colby Sambrotto, the founder and former CEO of forsalebyowner.com. It seems the founding father and lifelong evangelist of the concept of selling your home without a real estate agent was forced to hire a broker to sell his home after failing at what he preaches others should do.
After failing to sell his NYC apartment on his own as a For Sale By Owner (FSBO), Sambrotto hired a broker and paid a 6% commission in order to get the job done. His personal experience helps refute some of the myths Sambrotto has been espousing for over a decade. Let’s look at two of those myths:

Myth #1 – You Will Pocket More Money Selling on Your Own
Most FSBO sites say you can save the commission by selling on your own. What happened in Sambrotto’s sale?

From the WSJ article:
“The broker, Jesse Buckler, said he told Mr. Sambrotto the apartment in the Lion’s Head building on West 19th Street near Sixth Avenue was priced too low and wasn’t drawing the right buyers.
By May, it went into contract, he said, after attracting multiple offers. It closed in the last few days for $150,000 more than the original asking price.”

Myth #2 – The Internet Alone Can Sell Your Home
Many have said that, with the introduction of home search on the internet, hiring an agent is no longer a necessity. What happened to the FSBO guru when he attempted to only depend on the internet?

From the WSJ article:
“Looking to move his family to the suburbs, [Mr. Sambrotto] said he carefully staged his apartment for sale himself, and put it on the market. But after using a mix of websites to publicize his apartment, he said he had only ‘middling success’ and switched to a broker because many buyers were so reliant on brokers.”

Bottom Line:
There is a reason the real estate industry has been around for centuries: it performs a valuable service.