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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Helpful Employment Tips: Find Your Next Job

Finding work can be really tough, especially it you aren’t quite sure where best to look. There are tons of resources available for job searchers. In this article, there is a guide for finding out the right place for you to work.

Word of mouth is a good way to find a job. Do they know of an opportunity you don’t? Can they introduce you? It may not seem like an important step, but it can be invaluable for learning about openings and getting an inside edge.

It is important to be prepared with questions of your own for your interview. It is typical that an interviewer will ask you if you want to know about anything when the interview is complete. Inquire about the company climate, the sort of duties you will perform, as well as anything else that comes to mind.

Educational Background

Preparation is everything when you are looking for employment. Always have an updated resume available that highlights your qualifications. List your accomplishments, and include your educational background. Be sure to list references for prior positions and include details on your educational background.

Make sure you connect your qualifications to the ad when writing your cover letter. For example, if the company has advertised for a person with leadership skills, be sure to tell them about yours! Look over the job posting thoroughly and then include some skills they want in the cover letter you write.

If you are looking for a job, it’s a good idea to go to a lot of job fairs. These fairs can provide you with excellent advice and help prepare you for obtaining the job you want. These fairs are where you can expand your network as well.

TIP! When you apply for jobs, don’t just focus on one job. Until you have a job, do not stop looking.

Having a little extra may give you a heads up on the competition. Many of the top companies nationwide provide gyms, saunas, and even micro-restaurants in their building. Employees want these types of jobs, and it brings in the best and brightest for them. This will allow you to be sure that you get the best people to work for your company.

You can use a certain type of form that helps you fill out applications much easier. A lot of the time you are going to have to provide contact information and dates you may not remember. Keep a piece of paper with you that has all the dates and other pertinant info on it that you’ll need. Finishing applications will be easier and faster too.

Try not to make friends with your boss and co-workers. You should keep things professional whenever it comes to your employment. Personal relationships can get in the way of job performance in extreme ways. It will serve you well to keep things professional at all times.

On your resume, put some of your social media experience on it. Social media is a hot topic, and many potential employers will be impressed if you seem to have a handle on it.

TIP! Make sure you obtain an email address that sounds professional. Your email address can leave a first impression on the employer.

Get out and attend career fairs when looking for work. They can be really instructional and give you lots of intel on what types of jobs are out there. These fairs are where you can expand your network as well.

Patience is key when hiring new employees. Regardless of why you are seeking a new employee, you should not hire anyone that is not a good fit. If you hire in a rush, chances are that you will regret it. It can be hard to remove a bad employee once you hire them.

In a competitive job market, landing a great position can seem like a daunting task. Therefore, it’s vital that you are utilizing great advice in order to give you a better chance of landing that great job. You should be able to find a wonderful job using the above advice.

Unemployment benefits can help you make ends meet when you lose your job. You cannot wait until after your severance ends or even until your last day of work. The sooner you fill out and send the paperwork for them, the better your chances of getting approved and obtaining them quickly.

Why You Should Do Your Own Landscaping?

Are your neighbors atwitter about your landscaping? Is most of the discussion negative in tone? Do you need tips on how to transform your yard into the yard everyone praises? Keep reading to discover how to beautify your garden.

Your landscaping should contain local plants whenever possible. When landscaping your garden, always try to use trees, shrubs and flowers that are local to your area. Native plants are most likely to thrive in your area because they have adapted to the local rainfall amounts and temperatures.

When landscaping, it is best to use plants which are native to the area. Make sure the flowers, shrubs or trees you use are indigenous to the area. These plants will be ready to grow in your particular climate, whether you have hard soil, less rain or extreme weather fluctuations.

TIP! You must know how annuals and perennials are different. You should also know what plants work best in your area.

Native Plants

Use native plants when landscaping your yard. Native plants are easier to care for because they are already comfortable in your climate and soil. This means you won’t have to spend so much time maintaining the plants in your yard. You will find excellent information on native plants by talking to someone at your local gardening store.

Create a multi-seasonal garden to get a lot from your landscaping efforts. Look for plants and shrubs that bloom at various times throughout the year. Evergreen trees and exotic tree species with notable foliage can also help preserve your landscape’s year-round appeal.

TIP! I

If you will be putting an outdoor kitchen in your yard, it is wise to put granite on its surface. While more costly, granite is a more durable and elegant material to use rather than marble.

Make sure to wisely choose the plants you will include in your yard, as it is an important part of how your landscape turns out. You don’t want to use plants that require a lot of sunlight in shady areas. For example, don’t place a tree into a tiny spot where it can’t grow. Take the time to put your plants in areas where they can thrive.

You can save money by timing your purchases. For instance, winter is the best time to purchase lumber, while shrubs, mulch, and tress should be bought later on in the season. Try to wait a couple of years to purchase a plant if it is something that is new to the market.

TIP! Talk to an expert before beginning any yard work. Although they need not take part in the whole project, paying a little money up front for their advice may mean the difference between a stress free project and one that is fraught with mistakes.

You can save money by timing purchases. Buy your lumber in the winter, and buy greenery later in the season. When new plant varieties crop up, wait a couple of years for the prices to lower before investing in them for your landscaping.

When mowing the lawn, it’s wise to leave glass clippings as they’ve fallen. Clippings will help your lawn retain moisture easier, and they also help provide important nutrients your lawn needs as the clippings break down.

Measure the area in which you will be working before you start buying plants or other supplies. This will make it simpler to figure out how you need of everything. This will help you save money and trips to the store.

TIP! Before beginning landscaping alterations, get a good understanding of where all of your utility wires and other home structures are located. Check to make sure that there are not any underground cables or pipes prior to digging.

It is not mandatory that you use a professional landscaping company. You can transform your yard and make it look wonderful, so long as you put in the time and effort to learn how to do it properly. Soon your yard will be the envy of all of your neighbors and you’ll be the resident landscaping expert on your street. A beautiful yard is something you can be proud of.

Home Improvement Ideas For Any Homeowner

TIP! Avoid allowing contractors to work on your house without signing a contract. You may even be better off if the contract is looked over by an attorney before the first hammer is raised.

As time passes, most homeowners want to make home improvements. The following article is packed with advice that will help in getting you started. Enjoy the satisfaction you feel as you check off each item on your “to do” list. Keep reading to figure out how.

TIP! Put some nail holes in your paint can’s rim. The rim tends to fill up with paint, which will leak over the can and onto the floor when the lid is replaced.

Prioritize the rooms you plan to improve. Realize you do not have to improve the entire house immediately. You can improve your home room by room, according to your time and budget constraints. You can also save more money if you plan ahead and coordinate your project with sales on the supplies you need. Planning your home improvement projects in advance can help you to save more money in the long run.

TIP! Label your storage containers for better organization. No matter how organized you are, it can be difficult to locate a small piece of hardware in your shop.

Sometimes laying down new hardwood floors is not your only option, so make sure to consult a professional about your existing flooring first. You could have gorgeous hardwood flooring that needs refinishing hiding beneath carpeting or linoleum. You could end up with the most beautiful of floors for a lot less than you envisioned.

TIP! Write a list before visiting your local home improvement facility that contains all the items you need. When you know exactly what you need, you’ll never forget anything.

To seal bugs out while reducing your home heating and cooling expenses, use caulk to completely seal cracks, holes or any other openings that you notice. Use caulk around windows, as well as in other places. After the caulk has dried, bugs should have a hard time getting in, and air should have a hard time escaping.

Garage Door

TIP! A great way to improve your home is to actually improve your yard through different landscaping tweaks. The lawn in the front of the home is the very first thing that people will see; if it looks good, the entire house seems impressive.

A fresh coat of paint, or a new color on your garage door, adds instant curb appeal. Garage doors get a lot of wear, and they often look worn and dingy. A freshly-painted garage door improves the appearance and value of your whole house. Instead of going with the standard color, try changing your garage door, to better compliment your home.

TIP! Re-purpose unlikely items for interesting home improvements. For example, a luggage rack can be reused as a side table.

Surprisingly, home lose as much as one fifth of the energy through their windows. By glazing your large, picture windows, you can significantly cut back on the loss of heat and cold air. Your home will be more comfortable inside, and your energy bills will decrease.

TIP! Look around for home improvement ideas and inspiration well in advance of beginning a project. By compiling a list as you go along you will have a better idea of what you want when the time comes.

So, are you ready to make some home improvements! You are not the only one! As you have probably seen, the article above contains a few simple tricks you can use to streamline your home improvement projects. Ideally, you know a lot more about home improvement now that you’ve read this article. Armed with knowledge, you can now go forth and improve your home!