Fees Articles

1). Who Is Responsible For Closing Costs By : Raynor
Buying or selling a home is a euphoric experience for both of the parties involved. This euphoria can cool when you learn which party is responsible for the closing costs. Who Is Responsible For Closing Costs When looking to buy or sell a home, every person eventually arrives at the question of funding closing costs on the transaction. To put it simply, both buyers and sellers typically are responsible for some of the closing costs.
Article Related to: real estate, escrow, settlement, buyer, seller, closing, costs, fees, taxes

2). Credit Card Debt Statistics By : Joseph Kenny
In the United States, the debt levels of Americans have continued to increase since the 1980s. It was during this time that the use of credit cards greatly increased. Credit cards companies begin looking for different ways to market their products to consumers, and used such things as direct mail, commercials, and other marketing tactics. It was during the 1980s that consumers begin moving away from cash and checks into credit cards.
Article Related to: credit, cards, debt, owe, interest, fees, americans, statistics, pay, debit, charges

3). Secrets to Getting Paid for Your Creative Ideas and Proposals By : Kirstin Carey
Many creative professionals such as event planners, interior designers, and decorative painters are frustrated when potential clients steal their ideas and take them to cheaper companies. They present their ideas in a proposal or presentation and later find that they didn’t get the client and their designs are being used by someone else. PROTECT YOUR IDEAS In order to protect your ideas and still get the client, you have to change how you deliver your concepts and specifically what you present.
Article Related to: decorative, painter, painting, wedding, consultant, interior designer, event, planner, creative, proposals, fees, ideas, create, paint, muralist, mural, faux, finisher, decorate, income, business

4). Credit Cards and Divorce By : Joseph Kenny
If you’ve recently divorced or are going through a divorce, one of the important issues that you should settle is how any joint debts are to be handled. This includes mortgages on a jointly owned home and any joint credit cards that you have. You also need to be aware of how failure to pay those debts on time will affect your credit rating – even if your divorce decree states that you are not the party responsible.
Article Related to: credit, cards, divorce, separate, couple, fees, charge, payments, interest

5). Stop Charging by the Hour and Make More Money as a Creative Professional By : Kirstin Carey
One of the biggest challenges with a creative business is getting paid what you are worth. The root of the problem isn't that the client doesn't have the money and it isn't that the client isn't willing to pay you what you are worth. The root of the problem is how you are charging and how you are creating value in the mind of the client. First, you must create a business based on value pricing and not hourly pricing.
Article Related to: fees, charging, negotiating, setting, sales, marketing, creative, professional, freelance, design, subcontract, money, value, business, professional

6). Exactly What to Say When Asked, "How Much Do You Charge?" By : Kirstin Carey
A client with a creative business called me one day and asked the following question. It's a question I get asked frequently, so rather than write an entire article, I decided just to tell you exactly what I told her. Kirstin, "I never know what to say when a potential customer calls and asks 'How much do you charge? What are your fees?' I don't want to shoot myself in the foot by quoting something too low, but also don't want the caller to hear a number that they think is too high and hang up.
Article Related to: fees, charging, negotiating, setting, sales, marketing, creative, professional, freelance, design, subcontract, money, value, business, professional

7). Basic Mortgage Terms By : Joseph Kenny
If it is your first time applying for a mortgage, there are a number of terms you should know. Educating yourself on the various mortgage terms you will run into will help you make better decisions when deciding which home you want to purchase. When you sign a mortgage contract, your home is used for collateral and it is your responsibility to make sure your payments are made on time each month.
Article Related to: loans, mortgages, terms, charges, fees, principal, amortization, taxes

8). Common Charges Associated with UK Credit Cards By : Joseph Kenny
In recent years, the UK credit card industry has undergone absolutely massive changes. It is practically unrecognisable from the industry that was present even just a few short years ago.
Article Related to: credit, cards, charges, common, fees, costs, payments, late, foreign, use, purchase

9). Why You Need To Keep Your Credit Card Secure By : Joseph Kenny
Automated teller machines (ATM) are a great invention. They are an easy way to get cash out of your account 24 hours a day. But you may not be the only person raiding your account. If you're not careful, someone could steal your person and financial information and leave you in financial trouble. Some identity fraudsters use special machines to 'skim' card details from ATMs and other card machines.
Article Related to: credit, cards, fraud, identity, theft, steal, purchase, fees, atm, statements

10). Mortgage Comparisons and Shopping Your Loan, Made Easy By : Thomas Rendleman
Trying to compare loans, their fees, and which one really makes sense for you can be a job in itself. Smart shoppers compare different interest rates, but how do you know you are getting the best deal that you can? Interest rates are important but there are terms of the loan that must be considered. Is the loan a fixed rate so that the loan payment.
Article Related to: mortgage, loan, fees, interest rate, point, down payment, compare loan, easy loan compare, thomas rendleman, raise your credit score, lender, broker

11). Avoiding Credit Card Fees By : Peter1402
Credit card bills can be expensive. Sometimes they can be simply too expensive. Depending on how you use your credit cards, and how much you spend, and how disciplined and controlled you are over your own spending, you may or may not have trouble paying your credit card bills when it comes to the end of the month and the bill arrives in the mail. No matter what your situation is however, there is always one thing you will not, under any circumstances, want to see on your monthly credit card bill, and that is a credit card fee.
Article Related to: credit card, credit, balance transfers, chip and pin, fees, finance, apr, money, loans, balance

12). Credit Card Charges and How to Avoid Them By : Joseph Kenny
It is one of the joys of the UK credit industry that prices of credit, and in particular of credit cards, have continued to fall over the past number of years. Today you can get zero per cent on balance transfers, and even zero per cent on purchases, offers that were simply unimaginable just a couple of years ago. This is all the result of increasing competition in the market place from alternative lenders and banks from abroad, particularly US banks.
Article Related to: credit cards, charges, penalties, fines, cost, fees, interest, annual, late, payments

13). Increase Your Income and Eliminate Free Consultations By : Kirstin Carey
Creative professionals often meet with clients for "free consultations" with the hopes of turning that consult into a paying client. Though this thought process is common and may make sense on the surface, it's actually contradictory to the behavior of great paying clients. By giving away the initial consultation for free, you are diminishing the value of your talents and your services, and in turn hurting your chances of closing a great deal.
Article Related to: fees, charging, negotiating, setting, sales, marketing

14). How To Get 50% of Your Freelance Fee Up Front —And a Whole Lot More! By : Chris Marlow
Most copywriters cheat themselves when it comes to getting paid. This article shows how to get half the fee up front and how to protect yourself with a "smart" fee agreement for copywriters.
Article Related to: copywriters, fees, contracts, coach, freelance

15). Credit Card Fraud Be Aware By : Peter Kenny
Are you worried about your credit card or debt card being stolen? You’re not alone, it’s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using there cards as there main source of paying for services and goods. It gives the criminals many more chances too get our information from our cards.
Article Related to: credit cards, credit, balance transfers, loan, finance, money, fees, chip and pin, fraud, apr

16). It's Not Your Job to Lower Your Fees to Help the Client Afford You By : Kirstin Carey
I constantly receive questions and complaints from my creative professional clients about what to do when a prospect claims, "I can't afford your prices, but I want your services." My clients are frustrated, because they are usually being told this while standing in a mansion-like home, furnished with top-of-the-line furniture, with a beautifully manicured lawn, and three luxury cars parked in a four-car garage.
Article Related to: fees, charging, negotiating, setting, sales, marketing, creative, professional, freelance, design, subcontract, money, value, business, professional

17). How to Stop Leaving Money on the Table and Get Paid Your Worth — Every Time! By : Chris Marlow
The crucial steps in negotating your copywriting fee, including the establishment of your baseline. Also offers negotiating tips.
Article Related to: copywriting, fees, negotiation, freelance, coach

18). How to Charge What You Are Worth as a Creative Professional By : Kirstin Carey
If you are having difficulty knowing what to charge, then check out your competition and find out what they’re doing. Find out if they post prices or fees on their website or if they have "packages" or deals. Do they have payment options? While you are researching, keep in mind just because your competition is charging one way it is not necessarily how you should be charging.
Article Related to: fees, charging, negotiating, setting, sales, marketing, creative, professional, freelance, design, subcontract, money, value, business, professional

19). A Testimonial is Worth 100 Cold Calls By : Kirstin Carey
If you hate cold calling, and even if you don't, you should start capitalizing on the work you’ve already done. So often we don’t utilize one of the most persuasive selling components in our marketing materials – the words of our own clients. Many creative people have wonderful testimonials from clients, but never use them for fear that they are “bragging” or that it is “too self promotional.
Article Related to: cold, calls, marketing, sales, selling, testimonial, freelance, design, fees, pricing, value, business, creative, success

20). Signs That You're Not Using Your Credit Cards Properly By : Joseph Kenny
It is a fact that many people fail to use their credit cards properly. Only when they have gained a credit card balance which is difficult to pay off do they begin seeking help. While it is possible to pay off your balance and get out of debt, it is much easier to look for the warning signals which indicate that your spending is getting out of control.
Article Related to: credit, cards, use, best, pay, payments, debt, charges, fees, cost, high

21). Switching Credit Cards For A Better Deal By : Joseph Kenny
You may think that a credit card is for life – but with the level of hot competition among credit card providers these days it has never been easier for people switching credit cards to get a better deal than the one they currently have! So, if your credit card provider is not offering you the best current market conditions, the time may have come for you to consider a switch.
Article Related to: credit, cards, low, interest, cost, rate, tart, balance, introductory, charges, fees, apr

22). Common Credit Card Charges By : Joseph Kenny
In recent years, the UK credit card industry has undergone absolutely massive changes. It is practically unrecognisable from the industry that was present even just a few short years ago. The competition that has flowed in from other countries, especially the United States, as well as from internet lenders and other institutions has meant that there are now more offers and more products than ever before.
Article Related to: credit, cards, charges, common, fees, costs, payments, late, foreign, use, purchase

23). Could A Fraudster Be Using Your Credit Card? By : Joseph Kenny
If your credit card statement has transactions you don't know about, don't just dismiss them as a banking error. It could be worth checking to see if you are a victim of identity theft. Identity theft is where someone gets hold of information that can identify you, such as a credit or debit card, passport or driver's licence, and uses that to create a new identity for himself or herself.
Article Related to: credit, cards, fraud, identity, theft, steal, purchase, fees, atm, statements

24). Prepaid Credit Cards By : Joseph Kenny
If you have a history of bad credit and are unable to obtain a mainstream credit card, then prepaid credit cards may be just the answer you are looking for. First of all, although prepaid credit cards are accepted at any retail outlet where the credit card logo is displayed, strictly speaking they are not a ‘credit’ card, as the issuer provides no credit facility to you.
Article Related to: credit cards, prepaid, charge, fees, secured, bad credit, adverse, history, score, guaranteed

25). Mortgages. Exit Fees To Be Capped. By : Michael Challiner
In the last 3 to 5 years we have seen rises of up to 450% in the exit fees charged by lenders when borrowers redeem their mortgage. But at last the Financial Services Authority (FSA) ha seen the light and is going to crackdown on these increases. Lenders have been telling new borrowers about the exit fees currently charged, but the lender has retained the right to increase those charges at any time and without advising borrowers.
Article Related to: mortgage, fees, fsa, exit