Articles written by Charlene

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About me - Charlene

I am a Commercial Mortgage Financier. I have assisted hundreds of Real Estate Investors throughout the country by securing the funding they need.

I have been in the Mortgage Profession for approximately 15 years. Having experience in both residential and commercial

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Celebrations & Holidays > Christmas Christmas 2007: Gift ideas for gardeners: 2 of 29

Do you have a friend or family member who is an avid gardener? I have an Aunt that has a remarkable "green thumb". When you go to visit her, there are plants in every single corner of her home, including the bathroom, in the shower no less! My Aunt makes a trip at least once a week to the local grocery stores and other store...
Religion & Spirituality > Ghosts & Paranormal Phenomena Assessing psychic Sylvia Browne's talent: 2 of 26

Sylvia Browne has long been considered one of the most popular spiritual mediums in the country if not the world. She is a bestselling American author on the subject of spirituality and a weekly guest on The Montel Williams Show. She claims that she started having visions when she was three years old and that her grandma who...
Personal Finance > Managing Credit Beware of credit repair services: 1 of 7

Every consumer who uses credit has a credit record, and it is very powerful. A credit record is more than just a dry report on how many credit cards you have and whether you made every auto payment on time. Credit recording agencies often distill consumers' reports into a three-digit number called a credit score - and that n...
Politics, News & Issues > US News Adjustable mortgage blues: I signed but I can't pay, now I wait for government bailout: 1 of 6

Let me begin by stating that I am a former Mortgage Professional, I left the business a few years ago, like many of my colleagues because we saw the writing on the wall. During the years between 2001 - 2005, the mortgage industry saw a huge influx of people that wanted to become "Loan Officers and Mortgage Brokers". Sadly, t...
Personal Finance > Managing Debt How to consolidate your debts: 2 of 9

Are you one of the thousands of Americans that are overwhelmed in debt? Do you find yourself waiting until the last possible day to pay only the minimal payment each month? When you look at the balance on your high interest credit card debt, do you get disgusted because never seem to be going down? Do you have more than thre...
Home & Garden > Home Interior Tips on remodeling your kitchen: 3 of 13

Kitchen remodeling while one of the most expensive and intensive remodeling projects that you can undertake, adds the most value to your home. It is one of the most versatile ways to refresh your home and transform your "ordinary" house into your "dream home". Where to begin: Because kitchen remodeling is not a easy task, an...
Health & Fitness > Diet Programs Fad diets: From cotton nalls to zero solid foods: 2 of 7

With the start of the New Year, like many I made a resolution to lose some weight. While looking for some "magical" diet that allowed me to eat as much as I wanted, and lose faster than I ever thought possible, (if you find one, can you please email me?) I came across some very disturbing information on the Kimkins Diet. Now...
Home & Garden > Buying & Selling Homes Assessing the real estate depression of 2007: 4 of 13

While the country continues to hear about the alarming rate of foreclosures due to the sub-prime mortgage crisis, lenders tightening their guidelines making it difficult to qualify for a loan and home values declining, little to nothing is said about how the aggressive loan products offered during the "boom" will affect a ho...
Pets & Animals > Dog Breeds Best breeds for guard dogs: 16 of 49

THE BEST GUARD DOGS - The best guard dogs are those that are loyal to their family and willing to serve them with the best of intentions, they are highly disciplined and well trained and live in a home that provides them daily love and attention. Keep in mind, that there are differences between "Watch Dogs" and "Guard Dogs"....
Personal Finance > Mortgages & Home Loans Should you refinance your mortgage?: 6 of 15

SHOULD YOU REFINANCE YOUR MORTGAGE? There isn't a day that goes by when we don't see advertisements to refinance our homes. Mortgage lending is a highly competitive business and these companies spend a lot of time and money creating "witty" and "catchy" commercials to convince you to refinance your home. Although they provid...