Write for profit and passion

Write for profit and passion

If this is your first time visiting Article Insider, take some time to browse around. If you are looking for information on a particular topic, use the Category Menu or Search. If you don't find what you are looking for, let us know or better yet, consider writing an article for Article Insider to publish. We are always looking for new freelance writing talent. Remember, freelance writers can choose to write about practically anything.

If you are seeking to write, then welcome! There is plenty of work for writers here. The team at Article Insider knows, especially in these economic times, that many writers are turning to the internet in hopes of finding writing jobs. That is what inspired us to create Article Insider. First, let's get clear on some basic terminology. Whether one is searching for "freelance writing jobs", "online copywriting jobs" or "online content writing jobs" âÄì it all basically means the same thing: jobs for writers. The internet has now become the publishing platform of choice (or necessity!). Online has become mainstream and everyone has access.

This, as many of you are acutely aware, had a transformative effect on the traditional publishing industry. It has also generated fresh possibilities for those who love to write. There are ways for writers to earn money unheard of only five years ago. Article Insider is dedicated to exploring these new avenues of earning and career development with you. We will change to reflect your desires and needs. We start from the premise that well written, thoughtful articles will attract advertisers. For those who aren't keeping track, online advertising is the principal revenue engine driving the internet economy. That is how Google makes its money. It has been true for the traditional publishing industry as well.

We want you to make money writing

We believe that what is good for Google and has been good for the publishing industry is also good for writers. This of course turns the notion of a "writing job" on its head. By eliminating the need for a publisher in the old sense, writers now face their audience directly. Here there are no editors to determine who gets which story, dole out assignments or pay for articles (and keep the advertising profits). Each of you becomes a publisher. You need to decide what to write, when to write it and most importantly, how to write it.

Over time, if your writing is solid and your topics are well chosen, your body of online writing work will likely begin to generate advertising revenue. The more people who read and find your articles interesting, the more advertising revenues you should receive. The more articles you write, the more locations there are for additional ads, hence more revenue for you. Will you see money immediately? Probably not. But if you stick with it, then your earnings can grow long after you have written the article.

Article Insider does well economically only if you do well. For that reason we have collected information and tools to help you be successful. You'll find them under "Writer's Treasure Chest", which you can access by registering and logging in to your free Article Insider account.

Finding Online Jobs

There are many avenues to home employment on the Internet. If you look for jobs at home or work at home jobs on a search engine, you will find many Jobs at Home Websites with Job Listings. Some offer Free Membership and some charge a Monthly, Annual or Lifetime Registration Fee. Many offer Free Trial Memberships or Trial Memberships. Some jobs at home websites you will see on the Internet are: 2Work-At-Home.com, Bassador.com, HomeJobStop.com, Homeworkers.org, LegitJobs.net, SohoJobs.com, SpeedySecretarial.com, TJobs.com, Work-At-Home-Land.com and WorldWideWorkAtHome.com.

Staffing Services, No Fee Work At Home

However, there are also many more companies online offering home employment directly with no cost to you. Some of them are Outsourcing Services hiring home employees from their own websites. You will also see help wanted advertisements from temporary and permanent employment agencies looking for workers. You might consider employment agencies, staffing services, freelance websites, recruiters, help wanted classifieds or jobs search agents. An online search for virtual staffing services should provide many helpful online virtual staffing services that are looking for employees to work for their clients.

Outsourcing Services No Fees

You will find many more work at home opportunities on the Internet with Outsourcing Services. They already have a large clientele and marketing system and are looking for more employees to help their clients. There are call centers, customer support providers and customer relationship management firms that pay people for customer support work done from home, telesales specialists looking for salespeople, virtual assistant agencies looking for virtual assistants, data processing services looking for data entry typists and many other outsourcing services are advertising for employees to work online. You will also see many online Outsourcing Services that advertise editing services and recruit editors to work for their online services, or writers, typists, accountants, etc. Many temporary agencies and freelance websites also advertise for workers who will work on outsourced projects for them.

Help Wanted Classifieds

For recent help wanted classified advertisements look at http://FreshJobs.com and http://ExpertNetSurf.com. Recent classified advertisements with titles like Now Hiring, Help Wanted and Job Openings are posted in newsgroups, job boards, forums and message boards too. JobBoardMagic.com, Job-Search-Engine.com and JobLine.net check many job boards in their job search. You could also post your resume at http://HelpWantedSite.com and apply for jobs you like with your resume from their website. CareerBuilder.com, a large job and career website, and Jobvertise.com also provide this service free.

Jobs At Home Newsletters

There are also many helpful jobs at home websites that will send you recent job advertisements in a newsletter or ezine. You can join their mailing list or subscribe to their newsletters free at their websites. ExpertNetSurf.com is recommended for recent jobs at home advertisements in their free newsletter. Bassador.com, HomeJobStop.com and Telework-Connection.com also provide free jobs at home information in their newsletters. Email Alerts are also available from many job and career websites including CareerBuilder.com, HelpWantedSite.com and IHireAccounting.com

Internet Newsgroups

Another resource for job search and help wanted advertisements is Internet Newsgroups. Jobs are posted in Newsgroups at http://Google.com in newsgroups like alt.jobs.offered, misc.jobs.offered, biz.jobs.offered, us.jobs.offered and misc.jobs.offered.entry. You can find many recent help wanted advertisements in newsgroups and messages about them. You can also search for jobs. Many more jobs at home opportunities are listed in Yahoo Groups and MSN Groups.

Jobs At Home Search Engines

You will also find many jobs at home search engines and jobs search engines that you can search for jobs. You can search for home employment with jobs search engines using keywords like at home, home, homebased, job at home, outsource, remote, telecommute, telemarket, telework, virtual, work at home, and work from home. JobLine.net will do a Job Search and/or Resume Distribution for a charge. These websites have jobs at home search engines:

How Much Time Should You Spend Mortgage Shopping?

How much time should you spend shopping for a mortgage? How much effort do you need to put in to be sure of getting the best deal?

A recent report by the mortgage data company Zillow made minor waves when it found that one-third of borrowers spent only two hours or less researching their mortgage. That’s the same amount of time the average consumer spends shopping for a TV.

On average, borrowers spent five hours researching mortgages. That sounds a lot better, until you consider it’s the same amount of time the average person spends making plans for their vacation. And its half as long as the 10 hours spent shopping for a car.

Home and mortgage go together

By comparison, those same borrowers spend an average of 40 hours shopping for the house they end up buying and financing with that mortgage. That’s not to say you need to spend that long researching your mortgage, but most people will have the loan as long as they have the house - or nearly so. And a 30-year mortgage last a lot longer than the typical car or TV.

Of homeowners who obtained mortgages in the past five years to either purchase or refinance a home, two-thirds said they’d like to do things differently the next time they take out a mortgage, according to the Zillow study. And doing things differently can mean big savings. A difference of a quarter of a percent on the mortgage rate for $250,000 mortgage can mean a savings of nearly $40 a month on a 30-year fixed-rate loan – and nearly $14,000 over the life of the loan.

So how much time should you spend? If you’ve never shopped for a mortgage before, 10 hours is a pretty good rule of thumb. If you’re already familiar with the mortgage process and the fees that are involved, your time can be significantly less. But the important thing isn’t the time spent, but what you do with it that counts.

Check your credit reports first

The first thing you want to do, before you contact any lenders or even start shopping for a house, is to check your credit report. By law, you’re entitled to a free report every year from each of the three credit reporting companies – Experion, Equifax and Transunion – so just go ahead and order all three, unless you’re already ordering annual copies. Order them at www.annualcreditreport.com– that’s the official source.

Once you have your reports, check them for errors. If you find any, report them to the company in question and have them corrected. You don’t want bad information weighing down your credit score, because your score determines the interest rate you can get.

Next, start researching lenders and brokers. Choose about six to ten and call them up and ask about their rates and fees. With online brokers, you can do this electronically. Don’t focus just on the ones that advertise the lowest rates – check with a few that appear a bit higher and try to find out the reason for the difference.

Understanding mortgage fees

What you’ll find is that there are big differences in how lenders and brokers structure their fees – and understanding this is going to take most of your research time. One lender may offer a lower rate, but may charge more in points and fees, which could actually make that loan more costly than one with a higher interest rate.

When you’ve identified three or four that seem to offer the best deals, put in a loan application with each. Submitting a loan application means they must provide you with a Good Faith Estimate, which is a three-page federal form that sets forth the terms of the loan they’re offering, including interest rate and fees. Avoid lenders who insist you pay an application fee up front – there are plenty of lenders who will offer a GFE at no charge.

The new GFE, which came into use on Jan.1, 2010, is designed to make it easy to compare offers from different lender. The GFE breaks down your mortgage costs into three main categories – the interest rate, the lender’s origination fees and third-party fees charged by parties other than the lender. The form is designed to enable you to accurately compare these costs among multiple lenders and see which is the best deal.

Before committing to a lender, you may want to do one final check and request current interest rates from all of them – rates can change several times a day – before choosing one and locking in your rate. Locking in your rate pretty much commits you to a lender and you will have to pay for that. But if you’ve invested the time and done your research, you shouldn’t have anything more to worry about

Finding the Best Mortgage Lender

Mortgages have been stealing the headlines these days, from the beginning of the crisis through the anticipation concerning current financial reform. But there’s one thing that hasn’t changed – if you want a mortgage loan, you need to find a lender. With so many banks to choose from, you may feel confused and overwhelmed. If you’re looking for your mortgage lender, here are some tips to help you find the one that’s right for you.

Mortgage lender search

Step one is to search the Internet. You’ll be asked a few basic questions, like the property type, the home value, and the kind of mortgage rate you’re looking for. Then you’ll be matched with lenders who do business in your area who will give you quotes and relevant information. Next, visit any brick and mortar institutions in your neighborhood, especially the bank where you already have your account. Many offer lower preferred rates to existing customers.

If you’re working a realtor, ask her for lender suggestions. She’s been around the closing block a few times and can offer great tips on who to, and who not to, use. Warning: Don’t be compelled or pressured to take her suggestion. Her recommendation is just another quote for you to compare with the others.

Make a list of the different lenders, and what they’re offering, so that you can compare them side by side. Remember to include the various closing costs, application fees, APR, etc. so you can compare every aspect of the potential loan. Also request information about the application process, the documentation that you’ll need, and how long the entire process will take. Be wary of anyone who promises you a speedy closing. As a result of the recent mortgage crisis, every aspect of acquiring a home mortgage is taking longer to process. Plus, in Congress’s new legislation, it’s incumbent upon lenders to make sure that you have the ability to repay the loan, so they’ll be doing their due diligence.

Doing better business

Once you have a list of lenders, narrow it down to three. Then, check their records with the Better Business Bureau. When you type in the name of the organization you’re researching, you’ll have access to a reliability report, which rates the company from F to A+. Then you can scroll to read the specific complaints, and whether they’ve been resolved.

If the offers are comparable, trust your intuition, and select the person with whom you feel most comfortable. You’re going to be in a close relationship with the loan officer until your mortgage is funded, so make sure it’s someone who you can easily call to field any questions. If someone doesn’t return your calls, or is short with you, you won’t have a good experience.

Now that you’re armed with the information, it's time to find your mortgage lender. Choose the bank that offers the best deal, and a lending officer with whom you feel comfortable. Then the only headline you’ll be seeing is “mortgage successfully closed.”

Lets Known About Lifetime Mortgage

reverse mortgage also referred to as a 'lifetime mortgage' is a type of mortgage available for persons over the age of 62 that own their house but are interested in getting money from their home as one big payment or multiple payments.

The terms and conditions of a this kind of a mortgage does not ask the homeowner to pay for the loan during their lifetime or until, the home is sold or the owner leaves. On such a mortgage, dividends are paid out to the home owner and the debt increase while the equity on the house depletes.

The persons receving such a mortgage does not need a income or credit card but the client will need to be counseled by an approved Third party financial counselling institute before clients can apply for a reverse mortgage. The borrower will be charged for each counseling session so persons can ask all the questions hey need to, to be properly informed. It is essential that the borrower acknowledges what a reverse mortgage is, so they can legally safeguard themselves.

Since this mortgage is a fairly new program you should be properly informed. Persons who are interested in getting such a mortgage holders can browse the web and visit the HUD information site in order to get a list of approved mortgage lenders. All these mortgage lenders must be authorized through HUD, if you choose to get a loan from an entity that is not authorized then your estate might end up owing more than your home is actually valued at.

During the time when a person receives a such a mortgage they cannot be asked to leave the house because they are the owner of the house and heirs may still be able to get the property if the owner dies as long as they can refinance the reverse mortgage however, this must be completed within a year of the owner passing.

The fact that the mortgager still maintains ownership of the house, means that the borrower is still entitled to repay all the financial properties. This include tax liability, home insurance and general utility fees. Failure to make payments on home insurance, taxes and basic utilities this can cause your home to depreciate.

The borrower must maintain all the obligations of the reverse mortgage. They normally attract many hidden charges expenses like origination fees, closing cost, growing interest percentage and various other mortgage fees. These fees are determined by the mortgage company...