Archive for January, 2008

Finding Out Information About Mortgages

Posted By Misty Mountain on January 29, 2008 @ 11:12 pm

My sister is getting older now (22) and she is considering purchasing a home.  She had gone to talk to her banker about FHA loans and whether or not she would qualify.

Sadly, they didn’t have much good news for her.  You see, she had an incident in her past where she missed some payments on a loan because she was hospitalized, and so she has a blemish on her credit history.

But I told her that I was referred to a loan website by the realtor at the local real estate place here in town. 

She tried it out.  I knew it was a site for generating mortgage leads, but it did direct her to a site that specialized in mortgage loans and she filled out an application.

Now, all she has to do is wait.  The realtor that I talked to assured me that pretty much no one was rejected – so she should have a pretty good chance of getting the mortgage.  Now, all she has to do is find something in her budget – that will be another challenge altogether.

Here Comes the Traffic

Posted By Misty Mountain on January 25, 2008 @ 3:23 pm

For some time now, I have been making an effort with link building each day for my site.  Even something as small as getting a couple high value links pointing to my site each day sends my traffic through the roof.

A couple of years ago, a buddy of mine gave me some good link building ideas that I incorporated into my link building strategies.  Some of the examples include forum signatures, article submission, and directory submission.  I have also started to comment and participate on blogs that are related to my niche.  Not only does this help get my name out there, but it helps to establish me as an expert on the web.

The one thing I found is that the effects of your link building don’t show up right away, but increase over time.  What I do enjoy is that I can benefit from the work that I did months ago  when the traffic starts flowing in – which can be wonderful to see.

Looking for the Truth

Posted By Misty Mountain on January 23, 2008 @ 2:53 pm

I can remember having a talk with my boss years ago about how she ran her business.  Her style was a little unorthodox, but she was an amazing business woman.

One of her biggest tricks to her success is that she was honest – and expected the same of her employees.  If she were to ask your opinion – she wanted an honest answer.

She was also obsessed with making her business bigger and better.  In order to do this, she would continuously seek the views and opinions of her advisors.  What she was looking for was feedback as to whether or not her decisions were on the mark in terms of building her business.

Last I heard, she setup a forum for the patrons of her restaurant, where the could both talk to her and share their opinions and reviews of her establishment.  By keeping on the cutting edge and her focus on the customer, her business is one of the most successful here in town.  She deserves it.

The Story Behind a Replica Watch

Posted By Twyla on January 22, 2008 @ 1:31 pm

I just found out that one of the attorneys in the office I work at wears a Rolex replica watch. I found this to be hilarious and laughed out loud when he told me this. He explained that it was just as good as the real thing and that he did own a real one, but was always scared of losing or breaking it.

He told me he got the real one from his father when he completed his bar exam and that his father passed away shortly after that. It was the last thing he gave him, and my colleague did not want to risk losing it. That is when he looked into buying replica watches.

He said the watch replicas looked exactly like the real thing and no one could tell that he was wearing the replica. When he explained the whole story, it actually made a lot of sense to me and I apologized for laughing and told him I was sorry about his father. It was all good.

Welcome to the 21st Century

Posted By Misty Mountain on January 21, 2008 @ 5:48 pm

Seems like just yesterday, it was 1997.  Okay, it has been a little longer than I thought since I purchased some furniture, and with the recent comments from my friends, it is time for a change.  You see, I have had about ten bad comments in the past week that my furniture is old and outdated and that I should get some modern furniture to update the look of my place.

It has been over ten years since I stepped into a furniture store, and I was in for a shock.  You see, none of the contemporary furniture bore any resemblance to what I had at home – it was sleeker and nicer than the brown furniture I had at home.

I especially noticed the difference between the contemporary bedroom furniture compared to the hulking steel bed frame and wood dressers I had at home.  The newer furniture seemed to give off a welcoming vibe, whereas what I had at home was just scary.

I found myself buying furniture for most of the rooms in my home.  Perhaps the most memorable part of the whole shopping trip was the comment that the salesman made to me after I told him my story of what I had at home.  He said: “Welcome to the 21st century.”

Gossip Online

Posted By Misty Mountain on January 20, 2008 @ 11:39 pm

Now, my wife is a big of a tabloid reader.  Alright, a bit is an understatement.  I think that most of her free time is spent online reading net gossip or reading her tabloids by the pool.  In fact, I think she even brought them with us the last romantic holiday we went on – which meant, not a lot of romance.

Lately she has been spending a lot of time at ratingzone writing and reading entertainment reviews.  This has saved us a little money – since she has been spending more time online writing and reading reviews, she has been spending less on tabloids. 

But, if you ask me, she still has an addiction problem.  I mean, isn’t her life interesting enough by itself?  Well, if you ask her, she needs to keep track of all the celebrities lives to ensure that she could have meaningful conversations with them if she were to run into them – which sure hasn’t happened yet.

Oh well.  I should be happy that she isn’t spending all her money on clothes – papers are a lot cheaper.

Always Looking For A Bargain

Posted By Twyla on January 19, 2008 @ 11:01 pm

Have you ever gone to a store where there was nothing for sale? It is a real bummer. Most stores have at least one sale rack. I went to one such clothing store and had the worst time. If you know me at all, I am the world’s biggest bargain hunter.

I am noted in my circle of friends for getting digital media at a super price, when everyone else was paying top dollar for theirs. It is all in the knowing where to shop, and that clothing store certainly wouldn’t be seeing my presence again.

A lot of the great deals I get, I find online. If you are looking for something in particular, do a free search on that item and you will be amazed at some of the prices available to you. Especially of you take the time to look through many listings.

I like to save my great bargains in my archives, so I can go back to those websites occasionally and see if they have any more sweet deals.

In-Home Jewelry Party

Posted By Twyla on January 16, 2008 @ 8:52 pm

I was recently invited to an in-home party that was selling designer jewelry. I had never been to one before, but felt obligated to attend to help out a friend of mine. I had pretty low expectations and told myself I would have to find something cheap, just because I don’t like going to these things and not buying anything.

Surprisingly, I was very much impressed with both the quality and the prices of the jewelry. I ended up buying a few pieces of luxury jewelry and I have to admit that they are some of the nicest pieces that I own. They may very well also be the less costly pieces I own.

I am now planning to host my own in-home party with the same company. I would like the opportunity to purchase a few more pieces of the unique designer jewelry for my collection. I don’t have a huge collection, but it is nice having some choices when I am getting ready to go out for the evening.

Chasing Business Profits

Posted By Misty Mountain on January 15, 2008 @ 11:35 pm

Just like most of you out there, I own many different types of investments with different rates of return.  Some of them do well, while others are not so hot.  The poorer performing investments are periodically changed to better ones (in theory) so as to increase the returns on my portfolio.  I do the same sort of review on my businesses, though I am more likely to change the systems and not sell the companies.

Now, I do these business reviews at least once per quarter, if not more frequently.  The major warning sign I look for is if the company is not turning any real profits – or put bluntly, costing me money.  If the company is taking money out of my pocket, it is time for a drastic change – without profit my company cannot survive.

So, I take a look at the profit systems that are in place and tweak them as necessary.  Sometimes you can go from a loss to a profit from just changing the way you do things – and that is what I am looking for.

This has also become a habit for me – once I have one business making a profit, it is time to add another.

Simple Stainless Steel Jewelry

Posted By Misty Mountain on @ 10:53 am

Yesterday I was unfortunate enough to lose my ring that I have had in my possession for years.  It was the ring I received when I graduated from high school.  I have been wearing it for more than ten years, and my hand feels really weird without it.  I am a bit short on cash, so I have been looking for an inexpensive replacement for it.

When talking to my friends, one of them suggested that I could get a cheap replacement from one of the many wholesale stainless steel jewelry stores online.  I thought that it would be a great place to start, and I went to a search engine and did a search on "stainless steel jewelry wholesale". 

I was surprised to find many sites on the subject, so I decided to check out quite a few of them.  After about an hour, I found the perfect piece of stainless steel jewelry that would be the perfect replacement: it was a ring with knives on it.

All I have to do now is wait – it should be at my door in about a week.  I can’t wait.

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