Archive for the ‘Accountants’ Category

Shop Around For A Mortgage}

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If you have decided to take the leap into home ownership or you are interested to go for refinance home loans for your current mortgage, one of the first things you will need to do is track down a mortgage.

I honestly can’t tell you just how many mortgage companies there are in the United States, but I can tell you this, there are a lot of them.

Mortgage companies also come in a few different forms. You might recognize one as your local bank, but there are also wholesale lenders who use not only there own loan officers to originate mortgages, they will also use mortgage brokers. Than you have your retail lenders, who use only their own employed loan officers.

Because there are so many mortgage companies out there, the industry has become highly competitive.

So before you commit to the first lender you approach and start filling out applications, look again, and consider shopping around. Like I said, the mortgage industry is highly competitive, so let them fight over you when you are applying for a home mortgage loan.

You don’t have to go crazy when shopping for a lender. No more than five inquiries should be your limit. Talk with them, find out what programs they have to offer, and at what rate. Ask about closing costs. Remember, closing costs should not exceed 5% of the total amount of the loan at the very most. (This does not include the down payment).

By shopping around, you will be able to get a feel for what is out there, and whatever lender offers you the best deal to fit your needs and your budget, should be your lender of choice.

The down fall to speaking with one lender is, you are limiting yourself too just their products and services, as well as their rates. How do you know you can’t get a better deal somewhere else? Most likely you can.

Shop around for a mortgage the way you would shop around for a car. Look at a few of them at different dealerships, test drive them, discuss pricing with the sales person, than once you and the selling party have come to an agreement, make the purchase.

Buying or refinancing a home is not something you want to rush into. So take your time and educate yourself. Talk to people within the industry, shop around, than make an educated decision based on what best fits your needs. Home123 at is offering consultancy when you are looking home loans and you can use Mortgage Loan Calculator as well for better safety.

The steps to refinance a loan resemble the same steps used to get the original loan. For instance, the percentage of loan origination fees’ (points) the lender is going to be charging you. Generally only the loan origination fee and the application fee go to the lender.

The rest of the fee’s such as the appraisal, credit report, interest for the period in between closing and your first monthly payment, home owners insurance, title insurance, pro rated property tax, etc., go to their appropriate institutions when applying for the home mortgage loan

As I stated earlier, you must be prepared to pay closing costs. My recommendation for you people visiting this article is to visit and use Mortgage Loan Calculator for better decision when applying for a loan.

About the Author: Greg Kazmierczak is Vice President of Marketing at Home Refinance Loans. Throughout his 12 years in the lead generation industry, he has developed several online lead generation platforms for auto finance and home mortgage loans companies.


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Accounting Cover Letters Beyond The Ordinary}

Accounting Cover Letters Beyond The Ordinary


Heather Eagar

The salary levels and the demand for accounting jobs are both going through the roof. All companies need accounting personnel, whether they are pharmaceutical manufacturers, automotive companies, hotels or colleges; this is the reason for this job’s evergreen outlook. Given this background, writing the Get Noticed” cover letter for accounting has been the biggest challenge for candidates.

Accounting Cover Letter Intricacies

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The cover letter can be made noticeable by including the three fundamental qualities demanded of an accountant. The first one being the knowledge of the field of accounting; your proficiency in handling different accounting software and your educational background. Your reason for interest in that particular company and a willingness to take on the workload will demonstrate your keenness for the job. You should use action words/phrases such as Reduced non performing assets by 25% within a quarter”, which will project you as a results-oriented person. Another important aspect of writing a good accounting cover letter is that you should match your qualifications to the job for which you are applying. HR managers will always appreciate those who research the company beforehand and before taking action. From your point of view, research may also reveal a few points that you may not like about the company, so you may also end up saving yourself some time.

Don’t Be Boring

Include in your cover letter any extra training or certificates you have had in the past, your job responsibilities and achievements. Many candidates who search for an accounting job forget that they are seeking a position which bestows upon them great responsibility and their cover letter becomes boring and routine as a result, which fails miserably.

Don’t Forget Formatting

The above points must be made in the second paragraph of your cover letter. The first paragraph should be reserved for opening the letter; self-introduction, job-code references if applicable, and greeting. Thank the addressee in last paragraph and end on a positive note. Proofread the letter a couple of times for logic, flow, and spelling and grammar errors. Give your contact information in full at the top of the letter, matching the header of your resume.

On first glance, the field of accounting may seem to be boring and routine. If you look more deeply, you will find that it is an area of great responsibility and good potential for growth. Recruiters are accustomed to seeing boring, drab accounting cover letters. By following the steps above, you can give them something that they aren’t expecting and enhance your chances for an interview.

Heather Eagar is a former professional resume writer who is now dedicated to providing job seekers with resources and products that promote job search success from beginning to end. If you need sample cover letters and tools, go to

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