Monthly Archives: July 2014

Creating the corrct buisness letter

Here are several phrases that will help you train and write effective business letters of many types.


Keep them always handy and improve your business English in no time:


1. Sample sentences to request information

– I am writing to inquire about…

– I am writing in reference to…

– I read/heard… and would like to know…

– Could you please send me…at the address below/above.

– Thank you for your assistance.

– I look forward to hearing from you.


2. Sample sentences in response to a request

– Thank you for your interest/inquiry.

– Enclosed is the information you requested.

– You can learn more about this at…

– If you have further questions or if you need assistance, please contact:

– If I can be of more help, please feel free to contact me at…


3. Sample sentences to make requests

– Could you please send me your most recent brochure?

– Could you fax me the results of the market survey?


– I would like to order ten copies of the book “Difficult Situations”.

– I would be very grateful if you could send me this information.

– Please return the enclosed envelope with your payment.


4. Sample sentences of goodwill

– Thank you for your hospitality.

– I enjoyed having lunch with you last week while I was in Chicago.

– Congratulations on your promotion to Manager.

– I want(ed) to congratulate you on your new position.

– I was happy to hear that the negotiations went well.


5. Sample sentences for the introduction of a product or service

– I am writing to tell you about…

– (Our new product) is coming out next month.

– This product/service is designed to (help you)…


6. Sample sentences for a reference

– I am writing in regard to…

– I am writing in reference to…

– Please refer to the enclosed invoice/brochure.

– I hope you have had a chance to look over the materials we sent.


7. Sample sentences for confirmation

– I am writing to confirm…

– I would like to confirm what we discussed last Friday.

– I would just like to confirm the main points we discussed…


8. Sample sentences for notification

– I am writing to let you know that…

– Please be aware/informed that…

– I would like to inform you of a recent policy change. I am happy to inform you that…

– Your request for funding has been approved.


9. Sample sentences for offering assistance

– We would be happy to…

– If we can be of assistance, please don’t hesitate to ask.


10. Sample sentences for collection

– According to our records…

– Our records show that…

– Your monthly installment is past due.

– Please send payment as soon as possible.


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Loans for Businesses : How to Get a Small Business Loan Despite Bad Credit Ratings

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A Housewife’s Guide to Home Loan Modification and Settlements: What to expect when modifying your home: written by a real homeowner with real home modification success

A Housewife’s Guide to Home Loan Modification and Settlements: What to expect when modifying your home: written by a real homeowner with real home modification success

A Housewife's Guide to Home Loan Modification and Settlements: What to expect when modifying your home: written by a real homeowner with real home modification success

This is a modern day “how to” book created by a homeower, for homeowners, who are suffering in the real estate crisis and want (or need) to modify their loan. Breeze through the chapters that cover everything from recognition of the situation, to understanding and expediting your options. I will give you in depth details of my personal modification success stories, as well as my personal and professional opinion on all modifications. Stop worrying, stop living in fear, and take control of

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VA Home Improvement Personal loan – Guide to Most effective Use

Few days #2: Fresh the deck. This can be the perfect home renovation and improvement end of the week to clean plus brighten the counter of your porch so it will probably be ready if you are, since it is advisable to be wasting every day outside the house on your decks. Start by offering the deck a great sweeping. If the finish is at good condition, so you don’t see almost any signs of pulling, blistering, or cracking, go ahead a provide deck an excellent cleaning which includes a deck tidier. Two things that work adequately for freshening the look of your deck are Flood Dekswood Tidier and Brightener and also Flood CWF-Ultrafast Quality Wood Tidier.

 But, just when the last occasion you bought the latest was door, or simply, when was the last time you will consider the purchase of a new garage area door? Like to see ., a new house door is significantly down the top priority list (regardless of whether there in the least) when replacing, modernizing or getting ready to sell your own home. There is no reasonable reason for this kind of, other than a lot of people don’t realize just how simple it as well as relatively cheap for the spectacular improvements a new entry can make. Perhaps the home improvement publications exclusively mention storage doors inside passing, nearly as an immediately after thought.

 It may help you around engagements, marital life functions, reaching arrangements, wedding ceremony arrangements, every get together so many events. There is no possibility of avoid Gazebo in home and also garden.

 And then there are the great numbers of carpenters which call the handymen and who is able to do the many minor home repairs including certain electrical along with plumbing vehicle repairs. These are the people who you will phone when all you want are some minimal repair employment.

 The type of jobs which have a measure by step instruction distributed by the Home Improvement Centers are house painting them, wallpaper, cabinetry, home insulation, wood, electrical, domestic plumbing, air conditioning, heating up, flooring, masonry, concrete, real wood decks, home decor and gardening. Advice can be given on how you can decrease your utility bills.

 You can acquire the home you’ve always dreamt of without stepping into a new house, by simply taking advantage of the actual VA home improvement mortgage program as well as making the desired repairs along with additions.

 Commence with a search at In case you have found a good grant option that looks good, note the Funding Ability Number and then enroll to set up the username and password. Then you could begin to sign up for grants.

 The particular Housing and Urban Progress website features resources that may help you locate home improvement scholarships, but they tend not to offer scholarships directly. This HUD website will probably direct that you the website, which happens to be your best learning resource when you are in search of information about virtually any U.Ersus. Government scholarship program. Check out their weblog and sign up for their publication so that you can be given current more knowledge about new give opportunities.

 When we think of yard activities, sports activities often one thinks of. While physical activities are a great way to pay out your time out of doors, they are not that backyard routines include. In actual fact, while you won’t necessarily believe that so, backyard activities in addition involve the conclusion of initiatives. If you are a home improvement fan, it is quite possible that your next lawn activity could possibly involve the dwelling or the upgrading of a system.

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Pink Slip-Proof You Job

We are living in a tough working market, where unemployment rates are creeping up to all time highs. Many people have found their positions cut, companies once strong in the market are now closing their doors; others are beginning to get nervous and their fear levels are rising. People are finding themselves in unfamiliar territory, trying to reinvent themselves in a down job market.

So, how do you separate yourself from the pack? What can you do to increase your personal value? What do you have control over? When the budgets get cut, you don’t want to be the one eliminated. Here are three simple strategies to protect your job, improve your professional reputation and prove that you are a valuable team member that is irreplaceable.

Increase your Value: “That’s not my job,” eliminate this comment from your vocabulary. With all the downsizing and budget cuts, everything just became your job. Take the initiative to learn everything you can at the position you are in, which includes your boss’s duties as well. You want to become indispensable. You want to become the go to person when someone has a work related question or a problem; become the specialist.

Recreate your position, adapt the job description to the current market. Analyze the current processes in your office, are there things that can be streamlined or eliminated all together. Develop a plan and present it to your managers. This will show initiative and that you are concerned with the bottom line.

Make it a point to be sure your employer is getting good value with you. Eliminate as much overtime as possible. Show that you can work hard and get your tasks done within the eight hour day. Help out where needed, answer phones, take orders, help others and work on new projects. What other services can you provide?

Increase your Visibility: Don’t bury your head in your work, it isn’t enough these days. You need to be seen as well as heard. Make yourself know, not just by those that are in your direct working area; those higher up need to know who you are and the contributions that you make. Do not be shy about your accomplishments and skills; be your own PR firm.

Showing up early for work, meetings and appointments shows punctuality as well as dedication, but make sure that your thoughts, opinions and great ideas are heard. When attending an industry event be sure to network and share ideas. Upon returning to the office summarize the event for your department and managers with what you learned and how it can be used in your office.

Remember, you are a company’s ambassador when attending conferences or any function outside the office. Refrain from gossiping and speaking badly about the company or fellow workers.

Increase your Ease: What are you like to be around? Moods are very contagious and positive optimistic people are more pleasant to be with. Understand this isn’t just about smiling and being happy; be the leader in your group. Mentor and encourage those you work with. Be willing to share what you know with others, along with sharing the praise and accomplishments.

Be flexible and dependable. This means doing what is in the best interest of the company. Are you needed to work various hours or in other departments? Volunteer for various projects that others hesitate on and finish projects and reports in a timely manner.

Being successful at your job today, is not enough in today’s market. You have much more to consider and improve on than just your actual work. You need to work on yourself each and every day. Demonstrate your value constantly, use every opportunity to get visible and seen by the people who make decisions about cuts and be easy to work with. These steps will improve your reputation and hopefully prevent you from holding your own pink slip.

Laurie-Ann Murabito is a Stategy Coach, Author and Speaker who helps companies and individuals by empowering them to make the changes they want for their unique situations. She is available to speak on these topics. For more information visit or call 603-765-6145

Reverse Mortgages for Dummies

Reverse Mortgages for Dummies

Fully explains how reverse mortgages workWith special advice for the adult children of seniorsReverse mortgages are a great way for you to keep your home, even on a retiree”s fixed income. But with so many loan options, where do you start? Relax! This friendly guide covers all the basics so you and your adult children can understand and take advantage of these handy loans — and keep the home you love.Discover how toDecide if a reverse mortgage is right for youShop for the best reverse mortgage productsFind out if your home is eligibleWalk through each step of the process with confidenceFind a counselor who can help you

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Brisbane Home Loans: Property Investments through Refinancing

A large number of Aussies are deciding upon to refinance their Brisbane home loans every year. More often than not, they do this to enable them to renovate their houses. If you decide to plan in advance to make various refurbishments in your home, you should think of several things 1st prior to starting up with your plan.

Enhance Your Landscape

If you intend to develop a completely new deck or patio, walkways from paving stones or floral beds created by individuals and also fountains, keep in mind that gardening is amongst the primary makeovers that have an incredible impact on the overall style of your property. That is likewise true when it comes to the entire worth of your home. Brisbane has a lot of brokers that are happy to help property owners who would like to re-finance and refurbish their home’s landscape. As a matter of fact, great deals await those that wish to do so and improve the valuation of their property. With a pleasantly tremendous landscape, the house can be more appealing not only to visitors but also to potential customers.

Perform Structural Repairs

Wear and tear occurs naturally eventually. If not looked after eventually, architectural fixes can cause a monetary dilemma that might truly hurt the home owner’s lifestyle. That’s why once you re-finance your house, you have to put in priority structural repair above all else. Do not use up your cash on stuffs that will not benefit you for many years. As a substitute, have the most important components of your home fixed. That’s one of the best ways to reinvest money to your property’s ongoing maintenance.

Some of the instances covered by regular wear and tear comprise of: plumbing, electrical and wiring, as well as other areas of your home that degrade after some time. Concerning structural maintenance, you might need to look for cracks on the floor and walls. Seeing to it that these aspects are well-maintained usually means you really are safe guarding the worth of your house.

Fixing the Roof

Last but not the least, roof preservation is another great way to pay out your budget from re-financing. You should verify if your property’s roof is outdated or dripping. If that is so, then it is likely to be the suitable time to mend them or have them replaced. In the end, possessing a completely new roof can make your property more pleasing in the eyes of potential buyers. As a matter of fact, brokers favour selling homes with brand new roofs as they sell more rapidly as compared to properties with older roof. But if you really don’t desire to replace your roof since it is not that old, you can hire an expert company to fix your roof for you.

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Car Title Loans Onerous, Not Dangerous

Car Title Loans Onerous, Not Dangerous

The majority of people who take pricey car title loans don’t lose their vehicles, Paige Marta Skiba, associate professor at Vanderbilt Law School, tells Greg…
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Unsecured Business Loans Same Day ? Business To Secure You

The money is the required of every entity. So, if you are an individual, you may need money for meeting personal and domestic purposes, if you are a legal entity like business firm, you need money for working capital or expanding the scale. Most of the time, it happens that you need money and no one helps you because of any reason. No need to wait for the approval of the people around you. The happening of issue remains on the pity of these people. You can rely on the financial lenders for this purpose. Suppose, you need money for the quick business deal and you cannot wait for money for two or three days, neither you can force your customers to send you money. You do not want to postpone the expenses. In this situation, you can take the help of unsecured business same day loans scheme. in which you can get money for the financial issues without any harm to grow your business.

The unsecured business loans same day scheme can smoothen the way of your business. You can pay any kind of expense with the help of this financial scheme. So, apply the scheme with the help of internet. You need to complete the online application for. The form is prescribed by the lender. If you can convince the lender that the profits from your business are good enough to meet the repayment, then lender will grant his approval on the post. The main things, you need to make sure before submitting the lender that:

• You have read all the terms and conditions of the scheme.
• Your business is having it operations in UK only, and tt has permanent address of UK
• The profits from the business are more than 1500 bucks.
• There is no risk in the operations of the business.
• It has a checking account, you can send the checks of the account to the lender

After this the lender will transfer the funds in your account immediately. The rate of interest is very low. The lender will not charge any other cost apart from the scheme.


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The Value Of Free Debt Reduction Plans

If you are dealing with serious debt issues, you may be struggling to find some way to reduce your debt in a measureable way. Once you really start searching, something become obvious fairly quickly. There are many ways to approach the topic of debt reduction. Not only is there a different method for every person, there are hundreds of debt management gurus out there offering their latest plans for a reasonable fee. Of course, you might be asking if there is another approach. Have you considered free debt reduction plans?

Besides the clear financial advantages, the different free debt reduction plans that are making the rounds of the money management blogs and personal finance sites all suggest innovative ways to reduce your current debt in measureable ways. They help you to develop long-term plans to eliminate debt entirely and keep it gone. The majority of them are absolutely free debt reduction plans. There are no hidden fees or need to sign up for special offers in order to receive the benefits.

Free debt reduction plans can be found directly on the blogs of financial experts, debt management sites, e-zine articles, financial news directories, and many other places on the internet. Of course, we should not forget that it is possible to find free debt reduction plans in free eBooks and print books in the local library as well. If you feel confident to implement one of the many free debt reduction plans in to place then you have a wealth of sources to choose from. On the other hand, if you do not feel sure about setting up free debt reduction plans, it is wise to consult a credit counselor and have them help you.

A few essential elements listed in any free debt reduction plans may include the following:

1. A call to find out where your money is going each month or to financial organization

2. Urging to cut back all unnecessary expenses to maximize use of available financial resources

3. Establish goals for getting out of debt and arranging expenses on a budget

4. Placing emphasis on paying down smaller debts (and possibly those with highest interest rates first)

5. Make a commitment to establish some sort of savings with the funds that are freed up by paying down or paying off particular debts

Naturally, with so many free debt reduction plans being proffered today, it is likely that you will find those that incorporate strategies that are more refined or those that have additional elements attached to those already listed here. It will be up to you to decide which one will have the most impact on your circumstances.

Debt Reduction Article by: Errol Chin


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