Jim The Mortgage Man Blog

Jim Pettit - The Mortgage Man Akron OHMy name is Jim, better known as “The Mortgage Man,” which stems from my 30+ years helping people get the best financing for their new home purchase or mortgage refinance.

I have been in this business a long time.

In good times, and bad.

I have basically one primary goal … home ownership with the very best financing that meets each of my client’s individual needs.

With decades of experience in executive banking and lending across the country, I have a unique perspective into all the factors that should be considered when you seek financing.

I truly understand that purchasing or refinancing a home is a major decision, and that this business is fraught with misleading information and confusing numbers.

This is the reason I strive to make certain the loan decision is made based on full understanding, with full disclosure and transparency.

Your happiness is far more valuable than a less-than-perfect mortgage. I could not sleep at night unless I knew I had done the absolute best for you, my client.

That’s why I have so many repeat clients.

And why I sleep very well.

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The Best Employment Advice You Will Find

How long have you been looking for work? Has it been months or years? Not being able to find a job can be a very hard thing for a person to endure, especially if they were fired from their previous job that they loved. It is still possible to find a new dream job. Read on for some ideas on how to get started.

It is important to be better dressed for the job interview than what you would normally wear every day to work as you are trying to make a good impression. You will still impress the interview if you dress to impress.

While job searching, give it your all in your current job. You will get a bad reputation if you do not stay focused on your current job. How would this look to a prospective employer? Succeeding will depend on you doing your best.

Cover Letter

Make sure you connect your qualifications to the ad when writing your cover letter. Speak about your leadership qualities if they want a leader. Your cover letter should stand out and highlight the qualities that set you apart from everyone else.

Carry all your information relevant for job applications on a cheat sheet. You don’t want to be stuck admitting that you don’t know the dates and contact info that they must have on the job application to check your history. Having a quick reference sheet for this information will be helpful in a pinch. This will simply the process of filling out applications.

Never stop upgrading your skills. Things such as technology change quickly and new tools or trends appear regularly. You need to know all the relevant skills to be viable in your field. Classes are a great way to fine tune your abilities. When you are more than simply aware of your surroundings, you are presenting yourself as someone who is willing to look for solutions in new and exciting ways.

TIP! Do not get too friendly with bosses or coworkers. Stay professional with all employees.

Don’t get overly friendly with those that you work with. Remaining professional is in your best interests. Personal relationships can get in the way of job performance in extreme ways. You want to steer clear of disaster so you don’t risk your company position.

Make sure you have a good mindset. There is no such thing as failure unless you allow for it. Do not live off unemployment until it runs out. Instead, create goals for yourself with regards to the amount of applications you will fill out.

Find out about the career fairs in your area, and try to attend as many of them as possible. They can be really instructional and give you lots of intel on what types of jobs are out there. You can network with people you meet there, too.

Attend any career fairs in your area when you are searching for a job. These kinds of fairs can provide you with valuable information while letting you decide what kind of work is best for you. These fairs are where you can expand your network as well.

TIP! Companies care about money. When getting ready for an interview, think of ways to showcase your profit-generating talents.

Finding a good job isn’t impossible, even in a bad economy. The task of finding a good job does not have to agonize you any longer. The suggestions you have read should help you along the way. Looking for your dream job will be easy.

Landscaping Tips And Guidelines For Lawn Rangers

Home landscaping actually isn’t as difficult of a project as many people think it is. If you educate yourself on the subject, it will be much easier. The following article is loaded with beneficial landscaping tips.

Your landscaping should contain local plants whenever possible. Using local plants and trees can save you a lot of headaches. These plants do well in the soil you already have, don’t need additional water or fertilizer and can handle the temperature swings your area experiences, all while thriving beautifully.

It can be a challenge to landscape an entire property at one time. You are better off breaking up large projects into smaller phases. That way, you will be able to adapt your design to suit unexpected needs or changes in taste.

TIP! Quality products are worth their higher cost. Most home improvement discount retailers only offer lower quality items.

Before you begin your landscaping project, create a list containing everything you will need during the process. It is terrible to start a project, only to realize that you don’t have an essential tool required to do the job.

If you are installing an outdoor kitchen on your property, you should try to use granite for most of your surfaces. While other materials such as marble don’t cost as much, granite allows you to place hot items on them without any risk of damage.

You can save money by timing purchases. Purchase lumber in the wintertime. Toward the end of the season, purchase your shrubs trees and mulch. When new plants become available, wait several years before purchasing them so that the price is not so high.

TIP! Speak with a professional before beginning any landscaping work on your yard. Although you may not need their help on your whole plan, a consultation is worth it, seeing as you can avoid costly mistakes.

Use a drip style system to water your plants. These irrigation systems are easy to install, and they allow you to give your plants a continuous stream of water. The water is also more efficient, because it is a drip rather than a stream, as would be the case with a hose or sprinkler system.

Soil Tested

Before digging into your landscaping project, it is important to think about existing structures. Make sure to know where cables, gutter, sprinklers and other systems are placed so you do not disturb them when you are doing your landscaping. Take the time to call and have the county mark out any underground lines and cables.

TIP! It is not necessary to make sure you get every grass clipping off your lawn after mowing. As they decompose, the grass clippings will provide nutrients to your yard, so the lawn will be in less need of fertilizer.

Have your soil tested before you begin your garden or landscaping project. Having your soil tested could help you know what you need to add to it and what you need to eliminate. Remember to take care of this prior to planting. This will improve the quality of the plants in your yard or garden.

You can produce an impressive multi-seasonal garden by putting a little extra thought into your plant selections. Select certain plants that will bloom in different seasons according to your location and its accompanying weather. You can also pick trees with nice foliage or evergreens which make your yard look alive all year long.

Learn which landscaping products should be top quality, and which one are the same whether they are generic or name brand. Items such as common perennials, mulch and containers are no different no matter how much they cost. With plants however, it is often worth it to pay more. Places that offer discount plants might not actually take care of them like other places would.

TIP! A good way to keep your plants surviving longer is by using peat moss. It provides them with nutrients which the soil typically lacks on its own.

If you don’t know what you’re doing when it comes to landscaping, it may be quite difficult for you to do. Although it is not easy, a little studying and research can help you perfectly landscape your house. Knowing how to work with your own space and skills is key to successfully completing a project. Use the advice shared here to learn how to create a landscaped yard that you can be proud of.

Coupon Advice For When You Want To Save

TIP! You should attempt to match your coupons up with BOGO items; buy-one, get-one sales. You can save money on the item you buy, and you also get a free item.

Times are hard for many during this economically challenging time. If you need to save money, or you just enjoy living a frugal lifestyle, couponing may be for you. While this may seem hard to believe, everyday millions of people are taking advantage of the power of coupons. Keep reading for more on this.

TIP! Combine your coupons to save more. If you must hold onto a coupon, do so, as this will still hold value.

Coupons are most effective during BOGO sales, best known as buy one and get one free purchases. You can get one item free and then a good price on the other item. Often you will pay less than a quarter of the original price.

TIP! Do a general Internet search for coupon codes valid at online stores that you use. In many instances, you will find a code offering a price break on purchases.

Coupons can be found a number of places. The Sunday newspaper being a great place to snag some really good coupons each week. You can find these in the mail, magazines and fliers from the grocery store. You can even find lots of online sites that will let you pick and choose coupons to print out.

TIP! Use competition between stores to your advantage. Many stores may be willing to accept competitor coupons.

Use online search engines to look for coupons or discounts on items you usually purchase from them. Most stores are in heated competition with one another, so you might be able to find huge savings by doing a little bit of research.

TIP! If you wish to get some more coupons than usual from the newspaper you subscribe to without having to get another subscription, ask the newspaper’s office for a “couponer’s” discount. Some offer them for about a buck a pop if you order at least five copies of the Sunday edition.

You shouldn’t simply use coupons as soon as you obtain them. In order to maximize your savings amount, be patient and wait until your desired item is on sale. During this sale, use your coupon. With this method you’ll be able to get the items even cheaper!

TIP! Sometimes it’s worth the money to use coupon clipping services when you know a great sale is going to take place. Clipping services can be found on coupon websites, eliminating the need to spend money on newspapers.

When you go shopping, bring along all your coupons, even if you are not planning to utilize them. You might come across someone that can use it, or you might have a change of mind when you go into the store.

TIP! Don’t use up all your time collecting coupons. Perusing circulars and clipping all those coupons can be extremely time consuming.

When you are clipping coupons, shop the ads to match the available coupons with the items you need to buy. There maybe a different store you can visit and get more out of shopping than your regular place.

TIP! Think about purchasing in bulk. Use multiple coupons to increase savings on items you use most often.

Search for coupons online before you make an online purchase. Type the word coupon and the retailer’s name into the search engine. The current deals will pop up, and you will receive the code necessary to access them. Sometimes these codes will provide a discount on your purchase, others will reduce your shipping costs.

TIP! Remember that the coupons produced at check out can’t be doubled. Take a look to see if you have other coupons for the item to use prior to using that coupon.

Lots of people are struggling due to the declining economy. Using this coupon advice carefully can help you save a ton of money on your shopping trips. Give it a try to see for yourself!