Copyright В© 2010 Chip Cooper

Every small business should have a referral agreement template. A simple referral agreement will help you get new business in any economy, and particularly in a down economy.

You need a good referral agreement template handy so that when a good opportunity presents itself, you'll be prepared. You'll never know in advance when this will happen.

A good referral agreement will have certain essential clauses. This article presents a checklist for the clauses you'll need.

Referral Agreements vs.

The Texas House passed laws to make Texas mortgage loan originators in line with SAFE standards. Start your career today, or update your education with a continuing education from the Austin Institute of Real Estate.

On June 19th, 2009, the Texas House enacted a law to bring the mortgage licensing laws of Texas in line with the federal Secure and Fair Enforcement for Mortgage Lending Act of 2008 (SAFE). To comply with the new law, all individuals acting as residential mortgage originators must adhere to the following steps. First, they must do a MU4 filing with the Department of Savings and Mortgage Lending (“Texas SML”). Next, for individuals acting as a residential mortgage loan originator, they must have filed or file a Form MU42 through NMLS with the Texas SML. The filing dates differ depending on the type of license required. You can check our web site at http://www.austininstitute.com/mortgage-safe-education for reference.

The thriving Austin economy and job market are making housing a huge demand. You can prepare.

According to the S&P/Case-Shiller U.S. National Home Price survey, U.S. home prices in 20 cities grew for the sixth straight month. While the increase was only 0.2% on a seasonally adjusted basis, the increase signals that the housing sector’s long return to form is coming along well. October saw a rise of 0.3% on a seasonally adjusted basis, which includes statisticians’ adjustments based upon changes in seasonal activity. While the market as a whole improving, several cities in Texas have seen particular success through the market downturn. Austin is one of those cities. A recent article by Forbes magazine recognized Austin as the third fastest recovering city in the United States.

In many of these situations, the option is often to just procrastinate, and put tasks on the back burner since we are just too tired.

Even if you are diligent about getting your eight hours of sleep a night, sometimes you just need something to perk you up a bit, and get you through the day. Many of the sleep and energy regimens out there are dangerous, and you will want something that will be safe and effective, and not to leave you with a headache or the jitters. All too often, people will rely on diet sodas and coffee to give them a jolt; however, there are other, healthier alternatives available. Caffeine, in limited doses, is a safe and very effective way to combat fatigue, which is evidenced by the Starbucks and Dunkin’ Donuts phenomenon that has taken morning routines all over the United States.

When you are running your own business, it can be difficult to decide when and where to cut back and when it is worth the investment to spend a little more. The issue of promotional mailers and packaging items is one that often perplexes small business owners around the globe.

If you are like many business owners you are aware of the fact that promotional mailers are a worthwhile investment for your business. You know of there success rate and you know that they are a great addition to your marketing.

Dr. Joe Vitale, star of the movie "The Secret", marketing guru, and internationally known best selling author, recently solicited the opinions of his readers to find out what they would like him to write more about. The top answer of course was that people want to know more about attracting money. Frankly, I don't think this is a surprise to anyone.

What really grabbed my attention however, was what came in second. With all that Dr. Vitale, as well as many other experts, have written and created programs about on the subject of the law of attraction, people requested more information about clearing techniques to remove "limiting beliefs".

During the past several years much has been written to educate people about limiting beliefs. As a result, we know that these are beliefs learned during childhood that become programmed into our subconscious mind and eventually become our reality.

Lying in Kids is a rather tough situation to handle given that it makes us feel uncomfortable with the confidence we should be able to put in our little ones. Much like almost any problems you could be going through with your kid, the most important thing is to be aware of the reason of this behavior. When a child lies, his intentions are completely different than ours when we tell a lie. It's in most cases a result to the fear of punishment. Indeed, when a child lies, he doesn't understand the risk of his lie in the long run, but only the escape it momentarily gives from being punished or yelled at.

Since you realize that your own reaction is the exact cause of your kid's lying behavior, you need to find a different way of talking about that. Indeed, showing anger and raising your voice will only drive your child to lie far more.

Crankbaits can be one of the most productive baits you can use for bass.В  I discovered how productive crankbaits can be several years ago. Crankbaits are very versatile and can be used in many situations and under a variety of conditions.

Proper Equipment

The rig I like to use for crankbaiting is a 7 ft medium action rod, 12 lb. test green low-vis line, and a good quality baitcast reel.

The Bureau of Labor Statistics predicts a faster rise in need for Real Estate Appraisers than the average for all occupations, over the coming decade. Join the exploding job market with the help of an in-depth Texas real estate appraisal course at the Austin Institute of Real Estate.


Rumors are circling that jobs in the real estate market aren’t stable, but the opposite is actually true. Real estate appraisers and assessors will always be needed, because their place in the real estate market makes them irreplaceable. Appraisers estimate the value of property for a variety of purposes: to assess property tax, to confirm adequate collateral for mortgages, to confirm or help set a good sales price, to settle an estate, or to aid in a divorce settlement. This is something even the weakest real estate market cannot do without.

High-profile individuals rely on professional bodyguards for their security and protection. A bodyguard is not a security guard. At the same time, a security guard is not a bodyguard. They are two different professions.

A security guard carry out "low level security" procedures. They provide security at parking lots, shopping centers, or nightclubs. The security level and the risk of people being killed on these places are low. A security guard needs a security license, which can be acquired after completing a basic security course.

Also known as close protection officer, a professional bodyguard provides high-level security related to people's lives that deal with all and any security situation. He is trained in Advanced Weapons Disarming, Anti-Ambush Procedures, and Anti-Terrorism.