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Around 1 out of ever 5 mortgage borrowers last year elected for an interest-only mortgage scheme. Of these, approximately 30% were new first time house buyers. So what?, you may be saying. And heres the problem: in almost every single case where a borrower has elected to purchase a home with an interest-only mortgage, the scheme was one that was advised to them by a mortgage broker.

In nearly every single case, the borrower was not required to show that they could repay the principal sum borrowed on the day the mortgage matures. In other words, no borrower was asked to show that they had taken out an underlying savings program that would have sufficient funds to cover repayment of the principal or any short-fall in the borrowing on the maturity date. Sound familiar? Well it should do, because it has all of the underlying tell-tale signs of the recent endowment mortgage mis-selling scandal.

If you already have an interest-only mortgage, you should not immediately panic that youre not going to be able to afford to repay your home loan when it matures. However, what you will immediately need to do is to take a look at your loan documents and see if you have been required to put in place some form of savings scheme that will help you to repay the principal outstanding on the loan on the day it matures. For example, is some part of your monthly repayments being put aside in an equity-linked savings account? If so, then there is a good chance that you should be OK; provided, of course, that the amount you are putting away is enough to cover your repayment and that you will not be expected to repay a significant short-fall.

If, however, you discover that you have not been asked to put in place a savings scheme that is going to help you repay the principal sum of the home loan on the day that it matures, then you will need to contact your lender and ask them for some advice as to what action you should take next to rectify the situation. You should keep in mind that even if you have to make top-up payments now, in order to get your program back on track, this is far less likely to cause you a significant financial problem the burden of having to pay a massive one-off lump sum (also known as balloon) on the day the loan matures.

In addition, if you find that your mortgage broker sold you an interest-only home loan without having warned you of what the dangers were having such a scheme without putting in place some form of underlying savings scheme, you should consider talking this through with your Citizens Advice Bureau to see what can be done about this. Here, it is likely that the problems associated with interest-only home loans is going to mushroom in the next few years, especially when to true number of first time buyers who may have purchase their new home using this scheme and will likely have had little or no extra money to save comes to light. As such, it is extremely likely that both your lender and you local CAB will be aware of the problem.

The only issue that really remains is whether or not those who have an interest-only home loan without any underlying form of savings scheme in place wish to face up to the fact that a very real and serious threat may now exist that the home they have been paying for all of these years may not actually be their one day.

Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.cardguide.co.ukLive Mortgage Leads
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Mortgage Broker strategies are important as you very well know, but have you considered all the marketing you can do on a day to day basis. This is not the type of marketing where you put an ad in the paper or hire a call center. These are the little things you can do to make sure that your mortgage business continues to grow. These are the things that cost very little but are huge in terms of keeping business as well as high customer satisfaction.

First Tip

Whether you are sending out a letter, a card, or even an ad for the paper, make sure you use effective writing techniques. First among these is to make sure that you have a headline on everything you do. Whether people realize it or not, the headline grabs the reader. Once they see a headline, they are way more likely to read the rest of the piece of text. Always make sure that the headline has a benefit in it so that your client has a reason to keep reading.

Second Tip

Keep writing! For many people, the thank you note has raised their income by large percentages. Every person, customer or friend, loves to show appreciation. They like to know that you are happy for them and that you realize what they have done for you. When you thank them you are connecting with them and helping to cement a future relationship.

If you make it a point to write thank you notes every day, you can really help your return business. Thank people who didn't even work with you on a mortgage. You can thank those who did something for you: your mechanic, mailman, or even the teacher your kid has at school. Whatever you do, just make sure you send those thank you notes. It will definitely pay off for you.

Third Tip

Be a braggart. When you do something for a client, make sure you tell them. You want to make yourself valuable to the client for a couple of reasons: so that he or she understands why you are getting paid, and so that he or she would refer you to someone else in the future. This can be very valuable down the road. Even though bragging seems harsh normally, so be humble and just point out the things you accomplished because in business you want to be valued.

Fourth Tip

This is a strange one for many, but make sure that if you have a phone person, that he or she always suggests that you are with a client. If he or she says "I'm sorry but he is working with a customer right now, give me one second to see if he can take a call right now".

This allows you to look busy and confirms that you are worth the effort to work with. It also gives you an out if you don't want to talk with a certain person for one reason or another.

Last Tip

Though there is an unlimited amount of advice that could be given about mortgage marketing techniques, there are some that are certainly more important. One of those is this: never stop marketing. Even if you are the best mortgage broker that ever walked the planet, if you cannot market then it won't matter. Nobody will know you are great, you will have no business to close, and you will not make any money.

Above everything else, mortgage is about getting clients in your door. The rest is just paperwork and learning the ropes of the loan biz. With that in mind, there is one other thing you should consider:

Form realtor partnerships whenever you can. If you can find a program that will help you hook up with realtors the right way, you should jump on it. By giving yourself that extra advantage, you are enabling your business to grow without making yourself do more work.

With a partnership with the right realtor, you may find yourself with a large number of renters turned buyers on your desk each day. What a great way to run the mortgage business huh?

So no matter what you do, implement a new marketing tip each day. Try to send out thank you notes, thank people in person, look for times to brag about your self, and even try to keep marketing. Above all, find ways to form those partnerships. Getting hooked up with a realtor and with changing renters into buyers, you will grow your business faster than you ever imagined.

Shane Brooks is a hard nosed business man that doesn't take kindly to competition. His hard hitting no nonsense marketing techniques constantly makes waves for his competitors regardless of the market he is focusing on. Shane doesn't mind stepping on the toes of his competitors or ruffeling a a few feathers of the so-called gurus in order to level the playing field. For more info please visit http://www.MortgageSuccessBlueprint.comExclusive Mortgage Leads
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There's no doubt about it...the Internet is changing the way we shop, bank, arrange travel, search for information, buy and sell homes, and if you haven't noticed...the way we do mortgages.

A few years ago I came to the realization that if you're running a mortgage business that's computer and Internet based, you need to supplement all of that high technology with something decidedly simple and very old fashioned...a notebook.

As you may have guessed, I'm not talking about a Dell, HP, or Gateway laptop computer. I'm referring to an inexpensive school spiral notebook. It may seem silly to store information in such an old fashioned way, but it really makes a great deal of sense when you think about it.

Every mortgage professional should have one notebook in which he or she can safeguard critical information. Use your notebook to store important passwords, website URLs, membership sites, key contacts and other critical information.

Here's why your notebook is so important to your mortgage success...

Your notebook is available even when your computer isn't. If you experience a power outage during a winter blizzard or a summer tornado or hurricane, you'll have all of your key phone numbers in one place. If you're new computer goes on the fritz or your old desk top crashes and you have to run things from another workstation or a new machine, you'll have all of the necessary information to keep going right at your fingertips.

Yes...there are various ways to back-up your important information. You should be doing those as well. But, your notebook becomes your ultimate back-up. Take the notebook with you where ever you go, add your notes on a daily basis, and never let it out of your sight. It truly represents one of your "keys to success."

Working without a notebook is sort of like walking a tightrope without a net. With some luck and dexterity, you just might make it across the rope without incident. If you slip, however, you'll be regretting your decision all the way down!

Slide a net under your mortgage business tightrope by logging critical contact and password information in an accessible notebook. Keeping track of essentials this way provides you with a great insurance policy and can keep your mortgage business afloat in the face of technological challenges and failures.

Many years ago I worked for a mortgage business that had all of their computers stolen one Sunday night. You can imagine the loss and havoc this created. The business was crippled for days and weeks until order could be restored.

Ask yourself this question: If you had to start all over again tomorrow with a new computer and no stored information, would it be easier if you had all of that key information written somewhere?

Now that you're nodding "yes," get started immediately on building your notebook.

Here's a little tip to get you started: There's no need to go back and try to document your old information. Start fresh today and enter your information as you access it. If you access a Lender Website... jot down the URL address and your username and password. Make a quick note of today's "To Do List," or the prospect call information you need make next week, or what ever.

Use your mortgage notebook and briefly document everything that you do or needs to be done, and in one years time you will have built your ultimate mortgage back-up. It's so easy, so simple, so basic, and so inexpensive...how can you afford not to get started?

Tom Domin is the author of "101 Ways to Originate Mortgages" and publisher of "Tom's Mortgage Tips" a twice monthly Mortgage Newsletter geared for Mortgage Professionals. Put your mortgage career on the fast track and sign-up for FREE at http://www.MortgageMarketingToolKit.com/ Mortgage Lead Transfers
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What type of Wholesale Business is the best for you? It really depends of many factors including what you like, your capital, abilities, time and more. You should start by deciding the types of products you would like to wholesale and distribute. To do this you can look at business models, pricing structures, and distribution options. Now, to start, you should just look around and find products you like.

Think of any product that you might have in your home right now. Chances are good that it went through the wholesale process unless it was made by hand and given directly to you from that person that made it. If youre thinking about getting into the profitable business of wholesale distribution, it can help to understand that types of distributors there are and where you might be able to fit in.

One of the fastest growing markets is the health and beauty distribution. Everyone needs certain health products on a daily basis, and stores need to be able to provide these goods at lowered prices. You might want to focus your efforts in this area when youre first beginning a wholesale business. Not only are these kinds of products inexpensive to purchase, they are also in high demand on a consistent basis. You will also find that they are easy to transport and that you will be able to manage them without a large truck or warehouse. These products are also much easier to mark up in terms of price, while can lead to larger profits for you.

Electronics has always been a great wholesale distribution market as everyone wants the latest in consumer goods. When you look at things like video games and personal electronics, these items tend to be quick sellers, even when theyre not new. Whenever a new item comes into the market, consumers flood to get their hands on it. You can use this to your advantage. By realizing that electronics will never be a fading trend, you can start focusing your efforts on a certain category of electronics personal digital music players, for example and keep a wholesale business running based on that knowledge. Even those that arent interested in buying the newest models will want to have the technology that everyone else has, but offer it to their customers for a lower price.

Another good market for wholesale distribution is nutrition. Creating a wholesale business that focuses on nutritional supplements or gadgets is a clear winner as people are more interested than even in making sure that they are healthy and fit. And these kinds of items arent limited to nutritional stores anymore as well. Even your local gas station is now carrying the latest energy drinks so that travelers can get a little boost of energy. And you can make sure to cash in on that trend.

The truth of the matter is that if there is a product that you like, there is generally a distribution market for it. Take some time to look around you favorite stores to see what kinds of items are in demand and what you might be able to offer them. You may be surprised at what is missing from the market place and where you might be able to help fill these kinds of gaps.

Copyright 2006 Jorge Olson

Jorge Olson is a consultant, speaker and entrepreneur and owns several Wholesale Distribution companies. His latest Website teaches you step by step how to get started and make money in Wholesale Distribution. You can find it at http://www.LearnWholesale.comMortgage Lead Transfers
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On one weekend, a Saturday in particular, I decided to attend a seminar on home remodelling. I Usually prefer to call it home renovation. It was basically for the elderly people.

Am not in the elderly bracket but I decided to attend anyway because I was feeling a bit lonely and wanted to be occupied. On looking around the room, I saw that most people were in my age group.

Think it is because they have to meet most of the cost for refinancing the renovation of the home of their old ones.

This seminar turned out to be good to me and at the end I was convinced it was a good take.

In this seminar, it was revealed that research so far shows this:
It will probably cost anywhere from $100,000 to $150,000 to do a good renovation of a house for the elderly. This seems a staggering amount, until you consider that it would cost them from $3,000 to $5,000 per month if they were to rent a unit in a retirement facility in a location where they might not be as happy. Looking at it from that point of view, in four years or less, they would have spent the money anyway, and at least making home improvements allows them to continue to live in the same location and keep their asset.

The biggest challenge many older adults face when renovating their homes is how to pay for them. Many are on fixed incomes with few resources. Their property may have increased in value, but they are cash-poor.

During this seminar, a flyer was distributed that provided a telephone number for the city and county Elderly Affairs Division Rehabilitation Loan Program. Many cities have similar funds available as a means to assist individuals to stay in their own homes, rather than move to more costly facilities.

I learnt that the loan program was available to a person or family requiring home modifications, based on a health or safety need. The home loan program required that an application be submitted with information about the number of persons living in the household and their combined annual income. This information was then used to determine the interest rate for the loan. For example, for combined incomes of less than $41,000 or so, the interest rate was 2 percent; for less than $52,000, 4 percent; and so on.

Another thing I learnt is that you can also have an option, which is that of a reverse mortgage. A reverse mortgage is a special type of home loan that lets a homeowner convert a portion of the equity in his or her own home into cash. The equity built up over years of home mortgage payments can be paid to the owner, but unlike traditional home equity loans or second mortgages, no repayment is required until the borrower no longer uses the home as the principal residence.

Reverse mortgages are available through different lenders, as well as HUD. There are some property restrictions, but single-family homes, two-to-four-unit properties, condominium units, townhouses, and some manufactured homes are eligible. Generally, the greater the value of the home, the older the owners, the lower the interest rates, and the more one can borrow. This is good news right now, with interest rates so low, and it is an opportunity for your patients who have a higher annual income that disqualifies them from other programs. And if they live in an area of the country where land or home values are traditionally higher, such as Hawaii or New York, it may be the best option available for refinancing.

Given the sheer amount you have to invest or borrow, here is a checklist before you decide on any renovation project.

Consider the following before you decide how to finance your home improvement project:

-Talk to lenders about your options.

- Know that lenders are concerned about income, debts, credit history and property value.

-Consider a secured loan when you want to borrow more money, get a lower interest rate or reduce taxes.

-Refinance an existing loan if you have enough equity and if the rates are two points lower now than when you initially borrowed the money.

-Use a home equity line of credit that is secured by your home so youre your interest is tax deductible.

-Take out a home equity loan to get fixed rates and payments.

-Consider a homeowner loan that is secured by your property. Use a value added loan when the improvement you make will have a substantial impact on the market value of your home.

-Do your research before using contractor financing.

Good Luck

Get more information on home loans and loan consolidation by Lubowa.M.Planet. Visit http://www.softerdreams.orgMortgage Leads
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If you are reading this chances are you want to make it big on the internet. A few lucky individuals find success almost instantly. For most of us however, we need to work a bit harder for that allusive internet fame and fortune.

I started online marketing about 10 years ago and initially had mild success. After managing to sign up 240 people to a downline builder I was hooked. The downline builder fell over but that one success kept me motivated and trying new things even when it looked like I was going nowhere.

Having learnt a lot since those times I have compiled a list of 3 of the most common mistakes made by newbie affiliate marketers.

3) Looking for the next Sure Thing Everyone dreams of hitting it big. Weve all seen the ads. Earn Money The Easy Way, Make $5,000 In One Week It can happen but its usually those individuals who already have systems in place and can capitalize on a new opportunity.

If we are just starting out we need to think long term. I prefer the building quality content websites approach. Some use squeeze pages to build giant opt-in lists and others dont even have a website. They can all work. Find an approach that suits you. The important thing is do your research, take your time to set up your program and you will see results.

2) Failure to build on what you have When I first started out I was building referrals for traffic exchange programs. Nothing was happening so I moved on only to find out about 5 months later that the program was still generating traffic to an old website. You may not have the same system but I be you have something you can build on. Even if you think you have nothing, start building today for your future success.

Here are some things you can start with.

* Build a website. You can use a free website builder such as NVU without needing any knowledge of html. You can download it from www.nvu.com

There are other free and paid versions you can look into yourself.

* If you want to get a bit fancier with your websites and you dont know html, you can learn it hear for free www.htmldog.com I recommend learning at least basic html at some stage.

* Do keyword research on your specific interest. You can start at overture here - http://inventory.overture.com/d/searchinventory/suggestion/


* Set up an autoresponder. I like aweber.com or followingup.com. Your opt-in list will eventually be your biggest asset.

It is beyond the scope of this article to go into any detail about any of the above points. It is a starting point to put you in the right direction. Again, think long term and start building an internet presence today.

1) Giving up to soon Someone once said The greatest oak tree was once a tiny nut that stood its ground. You may feel like that tiny nut, but believe me, persist and build on what you have and you will see greater and greater results.

Make a plan and stick to it. Each week I make sure I spend time updating my websites, exchanging links, writing articles, traffic generation, researching keywords, looking for content, partners or learning from competitors.

Just do a little each day. Keep focused on your core business and spend most of your time building that up. Dont give up and you will see incredible success.

Jeff Pettit has been online marketing for the last 10 years and provides resources and tools for affiliate marketing and online business promotion. Offline Jeff also runs a successful business in the service industry and is a licensed Real Estate Sales Representative. You can find more articles like this one at http://www.masteraffiliate.org/articles.Mortgage Leads
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Everyone sells for a living. Whether youre a sales rep, a parent, a leader, a manager or a coach, on a daily basis we all find ourselves in situations where we must sell others on our way of thinking. The more closing skills you have under your belt, the better equipped you will be to land a sale.

In sales, this process is referred to as closing. Since closing skills derive themselves directly from the sales industry, Im going to discuss them within a sales context, but bear in mind that these skills are universal in their application and value.

It is typical for a novice persuader to encounter resistance. There are as many different reasons for resistance as there are personalities, so the trick lies in knowing which closing skill to use for which person. A crucial closing concept to learn as soon as possible is that you should actually employ closing strategies throughout your entire presentation. Most people think of the close as the final wrap-up. While this is the sales point where the deal is formally and openly acknowledged as lets do it or thanks, but no thanks, the masterful persuader builds the close in stages throughout the entire sales process.

The last phase of the selling exchange is only the culminating step of several deliberate but less evident steps that have taken place beforehand. It is crucial, not only for your own good but also for your prospects good, to help them through this process. Incrementally moving them closer and closer to agreement is much more effective than springing it on them at the end. There is nothing worse than seeing a shocked prospect with her/his mouth wide open following the close. Waiting to lunge with your close until the very end of your sales presentation could be compared to plunging unprepared into the deep end of the pool versus wading comfortably from the shallow end to the deep end only as you feel well prepared, well informed and well instructed to do so.

The incremental close helps avoid the old hard-close approach of the past. Remember the hard close? Old tactics used such strategies as bullying, pressuring or forcing your prospect into a decision. Weve all experienced the hard close at one time or another. Unfortunately, some persuaders still employ the hard-close strategy, but when they do, theyre really not persuading at all. Even if a prospect succumbs to one of these sales tactics, it is likely with resentment, buyers remorse and discontinued business in the future. Whats more, you can rest assured that unbeknownst to the offending salesperson, a prospect who is bullied into a sale will deter all her/his friends and family from patronizing the business where s/he endured such treatment.

Since studies show that how you open a sale is more important than how you close it, think of starting your close earlier on in the persuasive process. Lets call this collecting yeses. Well discuss this concept more in-depth later on, but for the time being, what it basically means is that you concern yourself with drawing in your prospects early on. That is, you warm them up in stages until the ultimate conclusion is obvious to them and they decide for themselves exactly what you were hoping theyd decide in the first place.

Because youre going to focus on closing as a process that begins early on in your presentation, it is important to consider the messages you are broadcasting right from the beginning. Superficial or not, people are going to draw conclusions from their earliest interactions with you, and those first impressions tend to be the longest lasting, too. It is said that the first and most lasting impression is made in about the first four minutes of a first encounter. Hence, be sure those first four minutes are positive ones because the cement dries fast! It is extremely difficult to overcome a bad first impression.

Even if you try to make up for it later on, that first impression will linger. The most obvious advice is to be sure you look professional and well groomed in any persuasive situation. In other words, dress appropriately for the setting. Next, exude confidence that is not arrogant but rather is upbeat, positive and encouraging. This positivity in your demeanor will allow your prospects, who hardly know you, to take comfort in your ability to educate them about the product or service they are investigating. Direct eye contact and a sincere smile accompanied by a firm handshake and addressing your prospects by name always help.

I have identified what I call the Three Rs for solid closing. After the first impression, your next focus is to effectively weave your close throughout the entire presentation. That is, the three Rs are at work throughout your presentation, aiding your prospect in becoming more and more inclined to buy. These three Rs are reason, resources and representative.

Lets look at the first R. Reason must be viewed from two different anglesfirst, from your prospects and then from your own. Early on in the persuasive setting, seek to understand exactly what your prospects needs are. That is, determine what their reason is for coming to you or listening to you in the first place. Then, you have to give them the reason to buy. Essentially, their problem and your solution match. Do not fall into the trap that many rookie salesmen do of spouting off a laundry list of features, benefits or all the reasons why you think they should buy. This sales strategy is useless because your prospects have come to you with their own reasons for buying already in mind. If you talk too much about what you think the reasons are to buy, youre going to talk your bewildered prospects right out of the sale. When the sales representative talks too much, s/he sucks the emotion right out of the sale. It is draining and frustrating for prospects to hear a salespersons incessant babble about all of a products bells and whistles when they just want their own key questions answered.

There is a great story that illustrates the importance of your reason to buy ringing true with your prospects reasons to buy. A gentleman by the name of Airman Jones was assigned to the induction center, where he advised new recruits about their governmental benefits, especially their GI insurance. It wasnt long before Captain Smith noticed that Airman Jones had an extremely high success rate, selling insurance to nearly 100 percent of the recruits he advised. Rather than asking him about his successful track record, the Captain stood at the back of the room during one of Joness presentations and listened to Joness sales pitch. As he presented, Jones explained the basics of GI insurance to the new recruits and then said, If you are killed in a battle and have GI insurance, the government has to pay $200,000 to your beneficiaries. But if you dont have GI insurance and get killed on the battlefield, the government only has to pay a maximum of $6,000. Now, he concluded, which group do you think they are going to send into battle first? The resounding secret to his sales success was that Airman Jones gave the new recruits a compelling reason to buy.

The second R of solid closing is resources. Resources cover all those things that factor in to whether or not your product is appropriate for your prospect. Resources would include time availability, financial backing, support from family, physical ability, etc. For example, investing vast amounts of time and energy into selling annual ski passes to nursing home residents would not really be giving wise consideration to such prospects resources.

The third R of solid closing is the representative. This is where you, as a person, factor into the selling equation. How readily can your prospect feel a strong rapport with you? Is there an instinctive sense of trust? Does your style rub this person the wrong way? Whether you realize it or not, you are a part of the selling package. There have been many times when a prospect walked away from a sale, not because of the productin fact, the product might have been just what s/he was looking forbut because of the rep s/he had to deal with. People buy from people they like. They dont buy from people they dont like. Its that simple. Be sure you conduct yourself in such a way that your prospect can like you.

Kurt Mortensens trademark is Magnetic Persuasion; you should attract customers, just like a magnet attracts metal filings. Claim your success and learn what only the ultra-prosperous know by going to http://prewealth.com/mistakestoavoid and get my free report "10 Mistakes that Cost You Thousands."Live Mortgage Leads
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Thailand is becoming an ever more popular retirement and choice of country to live with its low costs and beautiful scenery not forgetting of course the world famous friendliness of the Thais themselves. But finding out about the laws governing property ownership here can be confusing. Here are the bare bones of Thai property Law

* A foreigner can own a condominiums long as less than 40% of the condos or apartments in the building are owned by foreigners. Many people believe it to be 49% although this regulation was an addition to the existing law and was only meant to be in place for one year and has since expired.

* A company can own property such as land and a house (and hence the foreigner can buy land and a house via their Thai registered company) as long as no one foreigner owns more that 39% of the company (recently amended from 33%) and total foreign ownership of the company does not exceed 49%.Still ambiguous and under review.

* The Thai wife of a foreigner can own property (a recently changed legal status due to gender equality in the new 1997 constitution revision), in her name only. This is fine as long as you don't have marital problems. (The same, of course, goes for a Thai husband, but the law was changed recently for Thai wives due to the new constitution guaranteeing equal rights.)

* A foreigner can lease land for 30 years, with an option for another 30 years, the first 30 years are guaranteed they are registered with the Land Department, however the second can be contested.

* If you gain BOI approval you may as a company is able to buy up to one rai of land. Although this is meant for very large investors.

At the end of the day if you are seriously looking to invest in Thailand you should consult a good lawyer who will be familiar with the latest property laws.

Chris Heath is the sole proprietor of Soho Properties a real estate agency located in Bangkok ThailandMortgage Lead Transfers
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Whether staining a deck yourself or hiring a contractor to build an addition to your home, there are basic guidelines you should follow to keep your project organized. Here are some tips on planning ahead that may help you avoid a lot of hassle down the road.

Think ahead and determine what needs to be done. The more you pay attention to detail, the better your plan will develop. Consult with others that have completed a similar project and take their advice to heart. Talk to subcontractors to help you determine the scope and sequence of your project. Visit Home Depot or Lowes and chat with their top sales people to get even more tips on the job at hand. Lets say, for instance, that you are going to replace a bathroom counter top. Here is an example of how you would accomplish the job by using an organized plan:

- Measure the existing counter top and be sure to get the dimensions from the center of the sink to all four sides of counter. Are the faucets four inches or eight inches apart?

- Decide on whether to use the existing sink or a new one. How about the faucets?

- Decide on an over counter or under counter sink.

- Decide on a counter top material such as Corian, granite, or formica.

- Decide on the color.

- Determine all costs and a budget and then add 20% to be sure.

- Decide if you can do the installation alone or should you hire a counter man?

- Place an order for all materials.

- Turn off the water and disconnect hot and cold water pipes.

- Remove the existing counter and replace it with the new one.

- Install the faucets and sink.

- Reconnect hot and cold pipes.

Keep a notebook and carry it around so you can jot down ideas. Remember, achievers write things down. If you do decide to use a contractor, write down any concerns or questions you have.

Put changes in writing. If you are a do-it-yourselfer, this will help you stay on track. If you are using a contractor, you should modify the original plan and have it signed by both parties. Dont forget to include the new cost estimate.

The key is in staying organized. An effective plan requires a list of tasks, tools, and supplies. It also requires a detailed sequence of step by step procedures and a realistic budget that will allow for some contingencies. Careful planning will eliminate too many trips to the hardware store, multiple phone calls to subcontractors or an extra visit to Home Depot to speak with a salesperson that may or may not be able to get you out of trouble. Planning ahead does take some effort, but it will help you save time, save money, and eliminate a lot of unnecessary frustrations. Most of all, it will give you great results and a sense of accomplishment which no amount of money can buy.

Bill Remington is a http://www.billremington.com Collin County real estate agent and friend of websites that provide information on http://www.bigdallasrealestate.com Arlington TX real estate and http://www.bigsandiegorealestate.com Carlsbad CA real estate.Live Mortgage Leads
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