Federal rules that went into effect Friday, Jan. 10, provide homeowners and consumers shopping for a home mortgage new rights and greater protection from harmful lending practices, while also probably slowing the pace of home price increases and forging a stronger, more stable housing market.
If you haven't noticed, the airways are filled with advertisements to join a gym to get into shape or to start a diet.
While most financial experts agree that saving should be a part of every household budget, many Americans admit that they aren't prepared financially for life's unexpected challenges and emergencies.
Tomorrow is Monday, January 6, and people will be back to work. Hopefully, the company plan for 2014 has been nailed down and assignments to key result areas are known and responsibilities for achievement assigned.
Most individuals have read numerous articles on how to prepare for an interview as a job candidate. However, as an entrepreneur or hiring manager, how much time have you spent improving your skill set to effectively screen applicants and conduct interviews to optimize your potential to select the best candidate? If you're like most entrepreneurs or managers, your answer to that question with be somewhere between little and none.
Tens of thousands of owners who once again have equity in their homes have much to be grateful for as 2014 dawns.
As the year comes to a close, it is appropriate to look back and ask why some businesses have survived and others went by the wayside; and to understand why some businesses have done well.
Most of the business owners I know are either finishing up a solid year and want to continue the good times into 2014, or they had a less than stellar year and want a different ending a year from now. Which is it for you?
If voters get their way the 30-year home loan will be here to stay, yet retention of what has been an invaluable tool in building the nation's middle class while opening home ownership to generations of citizens may now be more a function of politics than economics.
Business owners are busy this time of year but being asked to answer tough questions is an essential part of success. This list will start the process of evaluating how 2013 was for you and your business.
Business owners and leaders often stray too close to a situation to see the entire picture. One of the responsibilities as a Trusted Advisor is to observe what is happening from a vantage point to provide a fresh perspective to clients that may not be otherwise noticed.
One of my favorite books is "Unbroken," written by the same author who wrote "Seabiscuit," Laura Hillenbrand. The book is the story of Louie Zamperini, who ran at the age of 19 in the 1936 Berlin Olympics along side of Jessie Owens and Jackie Robinson.
This is the time of year when many businesses are slowing down, wrapping things up and getting ready for start of the New Year just ahead.
The week of December 9 – 15th is Computer Science Education Week, observed each year, in recognition of the birthday of Admiral Grace Murray Hopper. She was a naval officer and a computer scientist who over 60 years ago conceptualized the idea of machine independent programming language that led to the development of COBOL one of the first modern programming languages.
What will the housing market look like in 2014?
Books like "Built to Last," "The Breakthrough Company," and "Good to Great" were written to help business people improve the companies they own, lead and run.
The housing market in the Santa Clarita Valley started the New Year tentatively, yet encouraging news abounds as the traditional Spring home buying season approaches.
If you wonder why your sales people aren't more productive, aren't making enough presentations and are slow to close deals, it might not be the industry you are in, your location or the economy not cooperating.
According to the recent news release from the Bureau of Labor Statistics the US economy added 113,000 jobs in January 2014 and, "…job gains occurred in construction, manufacturing, wholesale trade, and mining…Employment in manufacturing increased in January (+21,000)…Manufacturing added an average of 7,000 jobs per month in 2013."
Years ago a major manufacturer hired a research firm to conduct a survey of the cultural climate of the company.
Under the federal Ability-to-Repay rules that went into effect Jan. 10, lenders received guidelines on the type of financial information homebuyers must provide lenders when seeking a loan.
Research suggests that employees do not leave because of the company they work for, but they quit because of their manager.
What is our fascination with forecasts? Are they really helpful and how can we use them for planning purposes?
At the end of the first month of the year, are your objectives for 2014 being met? Have the results versus your goals left a gap? Are you worried that what happened or what didn't happen in January can spread to February? Or March?
In May, 1976 I had just finished what I first thought was my junior year of college. When I put a pencil to things, I discovered I was not 12 months away from graduation, but closer to two years.
When you think of California do words like innovative, leading-edge and trendy come to mind? A place where new ideas first take root before they become woven into the very fabric of the national culture and industrial base before becoming recognized around the world as being uniquely "American". If so, you may be surprised to learn that in one area, the critical business process of selecting and hiring new employees, California is lagging behind the rest of the country.
I recently conversed with the owner of a profitable company. She was interested in addressing some issues so she could return her attention to growing the business.