Fast Personal Loans – Save Your Time and Money

One has many reasons to for borrowing money or for taking loans. Some of them could be buying a car, educational needs, wedding expenses, etc. Mostly when a loan is needed, a quick need of finance arises. Therefore, consumers are always looking for fast cash. If you wish to get quick loans, you can get them very easily through fast personal loans. They are are security based and low interest loan plans. The fast processing involved in these loans make the cash instantly available to the borrowers. The introduction of online application for approval of loans has made it possible for the borrowers to obtain large amount of money without wasting much time on paperwork. Earlier, the manual process was a time consuming process. In those days, it took a lot of valuable time of the borrower. But now, not much time is taken up in assessment of the equity in the asset.The quickest way to get cash is called a payday loan. Your application would be approved in minutes and you can find money in your account the next morning itself. The process is simple, simply go online, type in your contact information, your income source and account information. The payday companies can check your information online and there are no credit checks. Speedy cash can be taken from the online payday loan companies.UK financial market is loaded with various loans options. What type of loan you require depends on financial condition of the borrower. The borrower has complete freedom to use the loan amount.Fast personal loans are basically unsecured loans, which means a no security is needed. As there is no security related check required, the loan is sanctioned very fast. Depending on the situation, the applicant can borrow any amount between £100 to £1000. The loan will be sanctioned after verifying your personal details. Even the bad credit people can also apply for this loan. The rate of interest in case of fast loans is generally high. The repayment tenure is very short so the borrower needs to pay back the amount in a given period. The advantages of fast personal loans include fast sanctioning, online application, applicable to bad credit history people and no security.One can save a lot of time while taking fast loans as applying online, you save more time and money. Just submit your personal details to the concerned website and you would be provided with your loan amount instantly. But make sure to compare a variety of loan plans and then apply for the best quote. Going online would give you lots of options like flexible repayment terms, low interest rate, etc.Instant personal loans have come into existence after the advent of online loan processing. Perform a research online and find the lenders offering lower interest rate on these loans. The instant personal loans can be available in two kinds: secured loan and unsecured loan plans. You can take secured loans if you have your own property and can place it as a security. But in case you lack residential property, then you can go for unsecured loans for unemployed.The name instant personal loans came because you can get the loan amount quickly and instantly online. This is the best and secured method of applying these loans. This way, you can get a chance to ignore the hassle of banks and avoid the bulky paperwork. What you need to do is compare the loan quotes of different lenders and avail a cheap loan deal.
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How Smoking Impacts Your Health Insurance Policy

It’s a well-known fact that smoking causes an adverse effect on your health. You must have seen the warning message on all cigarette boxes – ‘Smoking is injurious to health’. Smoking tobacco is a root cause of 30% of all cancer deaths and causes 16 times higher risk of heart attack.There are almost 120 million smokers in India. As per World Health Organization, India accommodates around 12% of the world’s smoking population. The number of men smoking tobacco has increased from 78 million in year 1998 to 108 million in the year 2015. Tobacco consumption is accountable for the death of 6 million people each year. Direct tobacco consumption accounts for over 5 million deaths and 0.6 million deaths are due to exposure to second-hand smoke. Considering serious public health risks, the Government has banned smoking in public places from 2nd October, 2008.Not only your health, it also causes you to pay higher premiums for a health insurance policy, due to increased health risks and shorter life expectancy. A nonsmoker however, gets premium discounts as a reward to lead a healthy lifestyle. Being a smoker, it is advisable not to hide your smoking habit from your health insurance company, as it helps you to cover the smoking-related health issues.There is a wide curiosity among people, how smoking impacts the health insurance and its cost. Let’s educate yourself about smoking and its impact on health insurance policy.Smoking – What It IncludesSmoking includes inhalation of of the smoke of burning tobacco in the form of cigarettes, cigars and beedi. Whether you are an occasional smoker or frequent smoker, you will be considered as a smoker under the health insurance policy.Smokers can buy health insurance, however an insurance company may charge extra premium or reject your application for insurance, depending on the number of cigarettes you smoke on a regular basis. A smoker may also have to go through additional health check-ups that can help an insurance company to ascertain the risk factor and then charge the premium amount accordingly.How Smoking Affects Your Health and Insurance PremiumSmoking makes the serious impact on your health, some of them are detailed below.Circulatory System: Smoking results in increased risk in the heartache and blood pressure. Building up of fatty acids could resulting to atherosclerosis.Immune System: Smoking results in severe and long lasting illnesses. Smokers are more prone to develop ulcers, cancer, pneumonia, high blood pressure, bronchitis, and other viral/bacterial/fungal infections.Respiratory System: Smoking may damage lung functions and breathlessness. It may cause damage to the air sacs of the lungs, increased chance of developing chronic bronchitis.Oral Health: Smoking can lead to tooth loss, tooth staining, gum disease which may increase the risk of tooth decay.Cancer: Smoking for a long time also causes cancer to various body organs.When it comes to a health insurance policy, an insurance company considers the magnitude of illnesses and deaths caused due to smoking and that’s why, smokers need to pay higher premiums to avail health insurance cover. Typically, the insurance companies charge around 15 to 20 percent higher from a smoker policyholder. Those who smoke would need to undergo additional medical checks, before the insurer issues you the policy.Let’s understand the difference of premium between a smoker and non-smoker individual.Ritesh (non-smoker) at 30 years of age buys an individual health plan with Rs 5 Lacs coverage, for 1 year policy term, the chargeable annual premium amount is Rs 4,656. However, Raj (smoker) is buying an individual health plan, he is charged with an annual premium amount of Rs 7,552. An increase in premium amount is only due to the fact that Ansh lies in the smoker category of premium. We can see Raj is paying Rs 2896 extra on account of smoking.Smoker with Existing Health ProblemsIf you are a frequent smoker that has caused the symptoms of the declining health condition and getting puzzled whether you can get a health insurance. The answer is yes, the only thing required is to make honest and proper disclosures.The insurance company will then assess the risk associated with your profile and then decide on terms & conditions and the premium to be charged for providing you a health cover. The premiums charged will be higher and a waiting period will be applied for covering your pre-existing diseases. Moreover, if you are seeking an immediate coverage on your deteriorating health condition, you may go for a critical illness policy.Conclusion:Smoking makes an adverse impact on your health and your health insurance policy as well. An insurance company will charge you a higher premium in proportion to the risk associated in providing a health cover. An important point to note that you should disclose all relevant information regarding your health and smoking habits. In case, you are found hiding or providing fake information, the insurance company may decline in settling the claims.

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Small Business Loans With A Poor Credit Score

Many small business owners struggle with obtaining business finance, and there is absolutely nothing unusual about this. Getting a business loan for small businesses, such as retailers, restaurants, garages and so on, is not as simple as one would think from the bank.This is not to say however, that getting a business loan is not possible. It all depends on where one goes looking for the loan. Typically, there are two primary options that business owners have, approaching their local banks and going to a private funder or lender.Banks and small business loansBanks look at applications for small business loans from their perspective and their perspective is determined by their criteria. When we speak of criteria, there are numerous criteria and these are all non-flexible as well as stringent.Typically, banks require high credit scores, which should be around about 700 or over. If a business applying for a loan with the bank lacks excellent credit, their application will be rejected simply based on that one criteria. In conclusion to banks and credit scores, business funding with bad credit with a bank is not a possibility.This is not to say that there are not a number of other criteria, which banks follow carefully and take equally seriously as well. The criteria of banks have been established over the decades based on shared experience, and these criteria are across the board.As is generally acknowledged, banks are not very keen on funding small business loans. The reasons for this are many and one of the primary reasons is that, small businesses are considered to be high risk investments from the banks perspective and experience.Private funders and small business loansWith a private lender the situation is completely different from what a business owner will experience with a bank. Private lenders have a completely different list of criteria to provide cash advance for business owners.As private lenders primarily offer MCA (Merchant Cash Advances), the criteria for these is simple. An MCA loan is an unsecured loan, and does not require high credit scores either. As a result it’s easy to qualify for this kind of funding.However, many a small business owners don’t look upon MCAs from a friendly perspective, and they do have their reasons. The interest rates are higher than traditional bank loans, and most business owners want low interest rates.The point with MCAs is however not to compete with bank financing, as they are both in quite different arenas. Apart from the fact that they are both financing for businesses, the entire process, requirements, features and all other details related to the funding are completely different.With an MCA loan the question how to qualify for small business loans does not really apply. Only in very few cases are small businesses turned away by private lenders. Generally, most businesses receive the funding they require for their business.MCA loans V/S bank loansMerchant cash advances or MCA in short are generally accompanied with high interest rates. Far higher than what the bank provides, and the reason for this is these are unsecured short term loans.There are many businesses who would never qualify for a traditional bank loan, regardless of how badly they need it or want it. If their credit scores are low, or if they are unable to provide the collateral the banks require their applications will be rejected. This is not to say that there are not a lot of other grounds on which small business loan applications are not declined by banks. Also, banks are under not obligation to provide funding to those they choose not to. This leaves many small business with no other option.For an MCA loan a business requires nothing much in the way of credit scores and collateral. The basic criteria for an MCA loan is mentioned here, as follows. The business should be at least 12 months old and a running business. The owner of the business should not be in active bankruptcy at the time of the loan application. Finally, the gross income of the business needs to be at least $10 thousand a month.The easy criteria makes it simple to obtain an MCA, and the drawbacks are definitely the interest rates and the duration for some business owners. However, those who capitalize on such business funding are those business who either have no choice, or those who require quick business loans. Some of the advantages are the processing time frames, which can be as little as a couple of days.

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How To Work With A Consultant

The most important thing to remember is that hiring a consultant is an investment, not a cost, and should produce a return on that investment. Keep that in mind and the rest is easy (well, easier anyway).Pre-hireIf hiring a consultant is an investment, what sort of return should you expect. Well, that depends on why you’re bringing in an outside consultant and the nature of the work. And that leads into the second most important thing to remember; hire a consultant for specific things, don’t hire a consultant if you don’t have specific requirements, set objectives, or defined outcomes. If you only have vague ideas on what you want a consultant to do, you’re in trouble. Of course, there may be times when you hire a consultant to help you develop specific requirements for a not yet defined project. In that case, the objectives for this particular consultant would center around developing the defined objectives and outcomes of the greater project. That’s fairly common, especially for an undertaking that is something new for your organization or is much larger or more complex than you’re used to developing.There are any number of things you might hire a consultant for. The difference between hiring a consultant and outsourcing work to a “regular” vendor is generally in terms of scope. A consultant is generally hired for specific projects that are well defined, which includes a defined time frame, whereas a vendor is usually more of a long-term relationship involving regular deliveries of products or services, or multiple projects over an open-ended time period. Consultants are hired for their specialized skills and expertise, to bring in an outside perspective not tied to internal culture and politics, for a fresh, creative perspective to a particular issue, to free up internal resources for special projects, and to educate and train the internal workforce, which can include executive management all the way down to the lowest tier workers.You might hire consultants for everything from developing marketing campaigns, conducting research and development activities, technology recommendations and implementation, process improvement, financial recommendations, executive coaching, management systems development, implementation, and training, and anything in between. The specific requirements for a consultant will be different depending on what you’re bringing them in to help you with. If you hire a consultant to provide recommendations for a technological solution to a particular issue, the requirements you develop for the consultant will include, of course, a final recommendation. But you don’t want to just leave it at that, that’s too open ended by itself. You probably want to include other requirements, like documented and substantiated backup for why the particular solution was recommended. You might want the requirements to include the documented methodology that was used to review the options and determine the recommendation. Put some thought and effort into defining your requirements for the consultant. You’re spending money for results, and you want those results to be valid.Interviewing Potential ConsultantsPotential consultants for each project may be someone you’ve worked with before, they may be someone you’re familiar with, but haven’t worked with, they may have been recommended to you, or they may be someone totally new and unfamiliar to you. No matter which category they might fall into, potential consultants should be interviewed prior to being awarded a contract. Even if you’ve worked with someone before, each project is unique and you want to ensure the best fit of consultant with the project. Even if the project is the same, or very similar, to one the consultant has already worked with you on, if any time has elapsed since the completion of the project, things have changed, so interview them anyway.At this stage, you’ve probably already determined whether the potential consultants have the skills and expertise needed to complete the project. You’re interested in their fit with the project, their work philosophy, and their methodologies. Since you’ve defined the requirements and the expected outcomes, you looking at how the consultant is going to go about achieving them. You don’t want to define how they go about doing their work, but you want to make sure that they will mesh with your internal organization, when required, so that the goals will be achieved within the time frame you’ve outlined.Ask tough questions. Ask what they’ll do if certain things happen, like unforeseen events. They’ll probably have good answers for you, but look at how they answer them, their attitude, and their perspective on things.When the Work BeginsSo, you’ve selected your consultant and hired them. Now what? Do you just sit back and wait for something to come out down the road? Probably not a good idea. You want them to do their work, their way, but you want to monitor them and keep informed of their progress and how things are going along the way.In your contract, whether it’s formal or informal, you should define how you’ll monitor their progress and how they’ll report their progress. A lot will depend on the scope, length, and complexity of the project. You might require very detailed written progress reports on a weekly, or less, basis, or you might just want a quick, informal chat on an irregular basis. I’d lean more towards requiring a more formal, written, and regular report, even if it’s short and simple.You don’t want to get in the way, but this is an investment, so you want to keep an eye on things. For the most part you want to leave them alone to do their work. But, you want to be aware of any potential glitches before they erupt into full-blown problems. You need to know if any internal resources have to be added or allocated, and if the project will be completed on-time and will meet expectations. It’s better to know these things beforehand, rather than be surprised with some special requests or unfulfilled expectations.Again, it will depend on the project, but the question of where the consultants will work may need to be addressed. For some projects you’ll have the consultant sitting with internal staff, working side-by-side. In some instances, the consultant will work away from your facilities. They may work out of their own office, they might be on the road meeting with some of your partner organizations, such as suppliers or customers, or they might just work virtually from some distant home base. It all depends on the nature of the project, the requirements, your needs, and the needs of the consultant. Be flexible. If you think the consultant has to be in your sight at all times, and they do not, look at it from their point of view. Since you’ve already defined the objectives and the progress reporting requirements, there isn’t always a need to have the consultant around just to have them around.After Project CompletionAfter the project is completed and wrapped up, you should always conduct a follow up session, or debriefing. Review what went well, what didn’t go as well as expected, why things either did or didn’t go as expected, and how you can improve the process. Anything you can learn about the process of hiring and working with a consultant will benefit you, and them. Chances are you’ll utilize a consultant again in the future, so the more you can improve the process, the better. And if you utilize the same consultant, all the better to maximize your investment.If you’re happy with the work that was performed, write a recommendation that the consultant can use for marketing. Consulting is very much a relationship based business, and personal testimonies from satisfied clients are valued and appreciated. Don’t wait to be asked, provide it at the completion of the project. This will also help you with your relationship with the consultant, which is always good. You never know when you’ll need their services again, so it’s beneficial to establish a good relationship.

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Commercial Property Condition Assessment (PCA)

The purpose of all Commercial Property Condition Assessments (PCAs), ASTM standard E2018, is to make sure that the property and building you believe you are purchasing or leasing is actually the property being received. You will have reached that decision, in part, from the information attained via a professional inspection and Property Condition Report (PCR). Every real estate transaction is different and each transaction has its own unique set of considerations and conditions to validate before finalized. The utilization of professional third party experts in the physical property due diligence process is critical to the overall accuracy and cost efficiency of your property transaction.The Purchase or Leasing of Commercial real estate, whether it be a basic commercial net lease, a commercial triple net lease, the purchase of a church facility, a retail outlet, or the purchase of a million square foot office/warehouse, the prospective buyer or lessee absolutely must conduct an adequate level of due diligence when investigating the physical quality of the commercial real estate they are investing in.You need to know not only the physical characteristics of the real estate and buildings being acquired, but the approximate condition and age, to assess the good with the bad, such that you can adequately balance the risks and rewards being offered in conjunction with your real estate deal. The single most important part of the real estate transaction process, aside from the purchase price and profitability balance, is a well-documented review of the actual physical condition of the real property. Otherwise, you could find yourself the not so proud owner of a commercial property that, doesn’t suit your needs, costs more than you can afford in upkeep, or the ultimate remorse for investors – capital expenditures are being sunk into a property on a regular basis that someone else is utilizing and making money off of, and you are not. Suddenly, that long term lease with a solid anchor doesn’t seem so attractive anymore.The process of commercial real estate inspection begins before the offer to purchase real estate is drafted or signed, by visiting the site and discussing the physical condition of the property with the Owner and real estate brokers. This process should be considered invaluable to establishing relationships required to obtain the information that will be necessary to concrete your due diligence with a Commercial Property Condition Assessment (PCA).During negotiations and drafting of the real estate sales/lease contract it is important to recognize seller or lessor reluctance to points such as the existence and availability of important documents such as warranties, maintenance contracts, architectural and engineering plans and/or local municipality reviews and inspections. Negative reaction to the request for release of these documents by seller or lessor can imply possible deferred maintenance and/or inattention related to property and building condition(s) and inspection issues.Once the commercial real estate sales contract is signed the due diligence period begins, focus on maximizing efficiency of time and cost and prioritizing concerns to start checking off the costly big ticket items from the top down. Assuming adequate documentation is furnished by the seller for review, adequate time should be allotted to verify the information provided. Additional effort and monies that that will need to be spent to make up a shortcoming of available documentation through extra property condition assessment and additional field inspections and/or experts should be considered essential and figured into the cost of the property transaction. Ask the seller for all documents and contacts the seller received during his due diligence process when he purchased the property to speed up fact finding.Review of existing property documents where available may include:Accessibility surveys, Architectural Building plans, Certificates of Occupancy, Citations from Authorities Having Jurisdiction, Emergency evacuation plans, Environmental studies, Electrical System Construction plans, Fire-detection test and maintenance records, Fire-door inspection reports, Fire-Protection System Construction plans, Fire and Restoration records, Maintenance records, Mechanical System, Construction plans, Violation Notices from Authorities Having Jurisdiction, Construction Permits, Plumbing System Construction plans, Previous inspection reports, Roofing System Construction plans and Warranties, Safety inspection records, Seller condition disclosures, Sprinkler System Test Records, Systems and Material Warranties, Current tenant information, Current policy of title insurance, Notices of any environmental conditions, Notices of any new or special assessments or taxes, Copies of all current bills for the property, Service contracts, Evidence of current zoning, As-built plans and specifications, All construction related documents including warranties, All past and present uses of the property, Third party reports or inspections, Any surveys of the land and improvements in seller’s possession.One of the best tools available to the commercial property due diligence team is the interview process which can unlock a plethora of potentially useful information regarding the subject property.Interview of any available key personnel with specific knowledge of the property conditions may include:Owner, Tenants, Maintenance Foreman, Contracted maintenance services personnel or other contracted companies that routinely work on the property and/or building.Property Inspection, Real Estate Inspection, Building Inspection, Due Diligence Survey, as they may be labeled in the due diligence report is essential to ensure sufficiency of construction considering the intended use of the occupants and the surrounding geography and climate. The furnishing of any available plans and specifications should be helpful here, but will not end the investigation. A current commercial property condition assessment should be done by a qualified third party inspection company experienced in the type of property to be inspected. A previously performed property condition assessment or inspection is nearly always furnished for the use of a single party in a single transaction and is protected under law and not reusable nor transferable to any other party. The focus of the inspection should be primarily on site condition and building components such as the site drainage, parking, building structure, mechanical and electrical systems and general accessibility and usability of the property. Various climates and geographical regions will require more specific inspection knowledge, thus hiring a local inspector is always a good idea if possible, in lieu of hiring a company out of Wisconsin to perform due diligence on a California high-rise building on a fault line.Site Survey and Walk-Through to Observe Existing Conditions may include:Grounds and Topography, Parking, Paving, Access, Building Exterior and Façade, Building Interior, Roofing systems, Structural systems, Mechanical systems, Electrical Systems, Plumbing systems, Fire-protection systems, Vertical transportation systems, and any number of other specialty systems.The 2010 Americans with Disabilities Act is the current guideline for accessibility standards nationwide and is a federal law, hence non-negotiable and to an extent, yes, it’s retro-active even for older commercial and public buildings. Many states also have additional and/or more stringent or specific accessibility standards as well. Most professional property condition assessment and inspection companies can also perform both abbreviated and complete accessibility surveys as part of a real estate transaction.Basic abbreviated and full compliance Accessibility surveys may include:Abbreviated survey looking only for basic ADA Accessibility components visible during the walk-through and documented according to the ASTM abbreviated survey form and checklist gives a quick check as to the general status of compliance. Full compliance survey involves physical measurements of distances, slopes, and push/pull forces required within the accessibility standards to allow for a certain level of physically disabled person to be able to successfully navigate a property, site, and building.Environmental Due Diligence known as Environmental Site Assessment (ESA) is the most utilized Environmental Inspection Report. The typical level of report preferred by lenders to demonstrate adequate due diligence is called a Limited Phase I Environmental Transaction Screening ASTM standard E1528. This explores the past use of the property and the surrounding properties to identify any potential onsite or adjacent environmental problems or future liabilities. These reports normally require a significant monetary investment and take a number of weeks to complete so they should be done as soon as you have determined you will be moving forward with your due diligence. The purpose of this inspection is to determine if the property contains any hazardous materials or poses a threat in any way to its surroundings. This could be caused by underground storage tanks located on the property or runoff from the property into the water table or any other number of hazards listed by the Environmental Protection Agency. While the report is expensive, the cost of cleaning up an environmental hazard can be astronomical. While not every deal will require you to obtain a Phase I Environment Site Assessment, many lenders will require it as part of their loan guidelines. In case of a fairly new development with a clean environmental record and no neighbors of an industrial nature, a simpler less expensive and much quicker Environmental Transaction Screening ASTM standard E1528 may satisfy lender and legal requirements.Any basic environmental due diligence report may include:Research of historical site usage, aerial photography records, property transaction records, construction records, building records, EPA mapping data, local municipality topography mapping, and a through site walk-through to visually identify potential environmental issue indicators.The information contained herein is purely professional opinion and provided for general real estate inspection reference only and is not intended in any way to be a definitive guide, nor a guarantee of past, present, or future legal or state or federal requirements, nor a measure of performance of any professional services company. Best of luck to you in all of your future property, real estate, and building dealings!

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Benefits of Financing Your Business Equipment

The advantages of financing are greater than ever. Any business or organization can benefit from these advantages which include reduced costs, simplified budgeting, credit preservation and flexibility. When it is time for your business to make a financing decision, equipment financing allows you to take full advantage of business opportunities while enjoying critical flexibility and investment protection.More for Your MoneyMany businesses struggle with the need to grow while feeling constrained by a lack of capital. What so many business owners don’t know is that equipment financing can increase your buying power and decrease your expenses. When you finance rather than use working capital, you can afford a more complete solution while making lower monthly payments and paying little or no up-front costs. This leaves your working capital intact while allowing for the needed growth.The larger the business acquisition, the greater the benefits of financing. For large-scale projects financing can mean the difference between making those changes now and putting them off indefinitely. Putting off necessary changes often means taking your business out of a competitive market position – a position that can be difficult to regain.Critical Business AdvantageAs the business landscape changes on a daily basis, it can be imperative for your own business to adapt and grow to match the market. This is especially true for software and services that are vital but can have large up-front costs. Unfortunately, there are many companies that lack – or think that they lack – the resources required to purchase all of the equipment needed to keep their businesses productive.Financing can expedite this business transformation by letting you add necessary service capacity, reduce the risk of your technology becoming obsolete and can decrease the total cost of ownership. Equipment financing can provide flexible payment options tailored to your specific budget requirements or timed to match your benefit streams, enabling your company to afford all of the components necessary to maintain a competitive business edge.Speeding Up Your BusinessOther obstacles to keeping businesses moving ahead at an effective pace can include budget constraints and the lack of capital. But emerging markets and those ever present competitors won’t wait for you to catch up. Financing those business purchases means that a lack of capital doesn’t have to cripple your business endeavors.Equipment financing enables companies to quickly adapt to changing competitive environments, and any business strategy should include access to flexible and competitive financing options. Take some time to research equipment financing companies. The good financing programs offer customers competitive, flexible financing solutions for acquiring hardware, software and any other equipment that your business might need.Competitive AdvantageIt is a simple fact that business solutions are becoming obsolete faster than ever. A customer-focused equipment financing program provides flexible, cost-effective solutions that can help you acquire the technological components that you need to migrate to new business models and to maintain your competitive edge including software applications. This benefit can help ensure that your business never faces the specter of business obsolescence.You should consider taking advantage of the flexibility that financing offers if your business is in the market for new equipment. This flexibility can help you stay ahead of the technology curve, and ahead of the competition.A Hedge Against InflationWith an economy that may seem less than stable, it is important that businesses, especially newer businesses, take advantage of every opportunity that gives them protection against tough economic times. Postponing growth is not necessarily the best way to protect your business as it can result in a loss of customers if you can’t offer them the services that they need or want.When growth becomes a necessity, equipment financing can allow you to grow the way that you need without making your financial base less stable. The right equipment financing program not only gives you the access to capital that you need for growth but it could also lock in the rates for the loan. This means that you won’t have to worry about your rates falling victim to inflation… ever!Don’t Fear FinancingThe business world can be cutthroat. That’s no secret. So in the quest to keep your own business competitive or to grab a bigger share of the market, don’t let the lack of capital inhibit your plans. It would be nice if we could all expand using only the capital at hand, but that is simply not realistic. Equipment financing can be a very valuable tool and one that offers many benefits. It should not be feared. There are plenty of financing programs available that offer flexible and tailored terms to fit your needs. Do your homework and you will find a lender that will work with you rather than against you. In the long run, that financing could be the most valuable weapon in your business arsenal.

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The New Rule For Buying a Home – Using Owner Financing

The American Dream; what does it mean to you? People have different jobs or hobbies or passions in life, but one constant remains the same among all of us, and this common thread that unites our dreams is that of Home Ownership! Unfortunately, in this current economy, achieving the dream of home ownership is becoming more difficult than any time in recent history. Too many Americans are following the unwritten rule of home ownership that tells us to ‘Find a Realtor and Get a Bank Loan’. In past economies, with thriving job markets, lower inflation, and less credit restraint, that ‘rule’ may have made sense to follow.But our current economic system is making it difficult for the average person to achieve the American Dream of Home Ownership. In times of unstable job markets, with double digit unemployment forcing people to become self-employed to make a living, the banks are requiring a W-2 stable job history in order to issue loans. In times of a great credit crisis, the banks are requiring stricter credit scores than most people are able to achieve. Fewer and fewer honest, hard working Americans who are used to following the ‘traditional rules’ for owning a home are having the opportunity to own their own homes.What if you could achieve the American Dream of Home Ownership without the assistance of a bank?The purpose of this document is to allow motivated home seekers an opportunity to write a New Rule of Home Ownership that allows you to declare your freedom from the services of a Bank in order to partake in your piece of the American Dream of Home Ownership!In order to understand the New Rule of Home Ownership, let’s take a closer look at the existing rules of purchasing a house with Traditional Bank Financing.The first part of the Traditional Bank Financing focuses on Qualifying for a Loan. While many different loan packages exist, the most common loan written in today’s market is an FHA Loan, and therefore, we shall use their guidelines as an example. The following are guidelines for an FHA Loan:o FHA Loans require a minimum credit score of 620 to be eligible for a loan
o FHA will require 3.5% down on the home. This down payment MUST come from your account. You are not allowed to borrow from friends, family or anyone else. You must document where the funds for the down payment came from. Specifically, the source of the down payment must be from your personal checking, savings or retirement account and CAN NOT be borrowed!In order to work with most Realtors, you must first get pre-approved for a bank. Many Realtors won’t even show you a house unless you can prove that you are able to afford and receive financing for the property. This painful process of pre-approval from a bank can take 2-3 days and involve the following steps:o Proof of Creditworthiness
o You must provide 2-4 years worth of tax returns!
o You must provide your last 4 pay check stubs if you are an employee or an updated Profit and Loss statement if you are self-employed, a business owner, an independent contractor or entrepreneur. However, if you cannot show a consistent pay stub as proof of income, then you may want to skip ahead to the part of this document where ‘Owner Financing’ is discussed, as you will find it increasingly difficult to qualify for a mortgage.
o Your bank may require you pay off other debit to help improve your credit score to qualify for the loan
o And the worst part… this proof of creditworthiness is done throughout the entire home buying process! Even once you qualify and pick out the home of your dreams; underwriters at the bank will have you go through the same process to make sure you still qualify.Now that you are pre-qualified for the home of your dreams, you may finally begin the process of working with a Realtor to find your new home.Once you’ve found your home, the Traditional Banks will want an inspection performed on the home and may require the seller to fix EVERYTHING for the bank to finance your loan. Some people just want a small discount on the house and they will do their own repairs however, many times a traditional bank will not allow you to do this! These small fixes may add to the total price of the house.Also, expect to pay Realtor fees, bank fees, filling fees, “point buy down” fees, loan origination fees, closing costs, title fees, surveys, appraisal fees, and anything else imaginable for which to be charged. Though many of these fees can be rolled into your loan, over the long term, you may be paying an extra 10% in unnecessary Financing Fees that are loaded into your loan!What if there was a quicker, easier, and less intrusive way to take your share of the American Dream? What if you could look at homes without having to pay a Realtor fee, pre-qualify for a loan, and go through a 3 month home buying process? After all, we ARE in a BUYER’S market in Real Estate, so why shouldn’t we be able to buy?Consider the possibility of declaring a New Rule. Instead of working with (and paying for) a Realtor, why not work with the Seller directly? Especially if that seller is a Professional Real Estate Investor who is not only willing to sell the house in a quick and simple matter, but is also will to FINANCE the sale of the house on a short-term basis!Earlier in this eBook, we went over the process of the Tradition Bank Financing. Now, we shall detail the 7 Easy Steps of Purchasing Your Home with Owner Financing:
* Contact the Seller of the Home without having to pre-qualify for a loan and look at the home to decide if you want to purchase.
* Settle on a price
* Agree to a down-payment and interest rate
* Once you’ve agreed to a price, down payment, and interest rate, complete a Deposit to Hold form and pay this 1% fee applicable to the sales price of the property. This fee will take the property off the market while you are closing on the home.
* Fill out credit application; provide 2 most recent paycheck stubs and bank statements as proof that you can afford the monthly payment.
* (Optional) If you chose, you can order your own home inspection to review the condition of the home
* Close in 2-5 business daysBuying a home from a Professional Real Estate Investor is quick and easy. Once you have settled on the price and monthly payments, you have minimal paperwork to complete and can close on the transaction within one week! The following is a summary of some of the benefits of Owner Financing compared with Traditional Bank Financing:
* In many cases, there is no minimum credit score required
* Instead of 10% Traditional Bank Finance Fees / Closing Costs, your Owner Finance Fee averages to 5% of the transaction.
* Unlike Traditional Bank Financing, your down payment for Owner Financing may come from almost anywhere (as long as it is a legal way to raise the funds). You can borrow the money from family, friends, others. There are also some tax incentives for you to use part of your retirement savings. Either way, with Owner Financing, you are allowed to raise your own down payment as you see fit!
* You and the Owner Finance Seller will agree on a time to “close” on the home and may close within 5 business days!
* Your Owner Finance loan is dependent on your down payment and ability to pay the monthly payment and NOT on your credit or having a W-2 Job. Therefore, Business Owners, Entrepreneurs, Independent Contractors, and the Self-Employed may qualify for Owner Financed Homes!
* You are not required to provide extensive documentation to obtain your loanDue to the efficiency, simplicity, and cost effectiveness, you can see why buying directly from an investor with Owner Financing is the New Rule for Buying Homes. Owner Financing interest rates may be a little higher than market price when you initially purchase your home, however, this higher rate, along with a sizeable down payment, will actually help you obtain conventional financing at a lower rate down the road when you decide to refinance!A good way to look at Owner Financing is that is a solution to buying a home with short-term financing. Once you have paid your Owner Financed note on time for say 12-24 months, it’s easier to refinance your existing note with a traditional bank loan at a lower interest. It’s much quicker, easier, and less intrusive to refinance a home into traditional financing then it is to purchase a home with traditional financing!The following example will detail the process and the costs of owner financing:o John chooses to purchase a beautiful home for $150,000 with a traditional bank loan. John’s credit score is 590 and the bank will not loan him any money until his credit score is at least 620. John understands the importance of owning a home and wants to buy something now.
o John finds a home that is being offered for $150,000 with Owner Financing. John has $15,000 to put down and wants to close in 5 business days. John’s new loan is at an 8.5% rate for 30 years and the sellers would like John to refinance his loan in 24-36 months. John’s monthly payment is $1,350 and it includes Principle, Interest, Insurance, and HOA fees. John is happy because he can afford $1,350 per month and is able to take his part of the American Dream!
o As John pays on time for, say, 24 months, John has an excellent payment history with his current lender. John will also need to be working on his credit in those 24 months to raise his score to the current minimum of 620.
o When John approaches a traditional bank John will be able to demonstrate the following:
o John’s $15,000 down payment shows that he has ‘skin in the game’ and is not just going to bail on his house payments
o John CAN afford and has been paying $1,350 a month at a 8.5% rate for his loan
o John’s credit score is now above the minimum required 620
o If John can afford $1,350 a month at 8.5% interest, John can easily afford a $1,100 a month payment at 6.5%!It is much easier to refinance a loan rather than trying to get a loan for the original financing! Since you are already in the house, there is no inspection required, no lengthily closing procedures and there is no longer all that extra red tape that is associated with buying a home with traditional financing!As you can see, purchasing with Owner Financing can be easily done and quickly closed for those who cannot use a traditional bank loan but deserve to own a home now.SummaryIn today’s market, due to tough economic times, there are many people selling their properties. Yet, despite the fact that this is a ‘buyer’s market’, it is tougher to buy a home with Traditional Bank Financing than ever before. Following the old, unwritten rules will lead you to a long and unhappy life in an apartment complex. Motivated home seekers looking for their piece of the American Dream are unable to achieve this great promise by traditional and conventional means due to stringent lending requirements initiated by the very same financial institutions that gladly took over 1 billion of our tax dollars to bail them out! Banks tightening up on their lending practices is causing a shortage of homebuyers in the market. This is one of the biggest reasons that real estate values continue to free fall because there are not enough people who can qualify for available homes while following the unwritten rules.Inspired home seekers, looking to break away from the old rules and ready to write his or her own New Rules to Home Ownership will be able to take advantage of this buyer’s market, and with Owner Financing, you will see more and more people purchasing homes. If you are in the market to buy a home however, you cannot qualify for a traditional loan, I strongly recommend you contact a company that specializes in Owner Finance Homes.Stop drowning in the current economy and create your own American Dream!

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An SBA Business Acquisition Loan & Starting Your Own Small Business

With the latest monetary depression and current pecuniary hurdles in the United States and many European countries, you might be forgiven for feeling that probably right away is not the greatest moment for starting a small business or looking into requesting an SBA business acquisition loan. You may well even be accurate! However, no business person ever made a significant amount of cash without taking several risks, and with precisely researching a carefully planned niche concern, you could well achieve your goal to start a small business, particularly as loans to start a small business should ease towards being more generally obtainable in the foreseeable future since the American and British governments, especially, have contributed a copious sum of cash into supporting SBA business acquisition loans.The cornerstone for any new venture must be a business development plan, and the cornerstone for a business development plan would normally be some type of market examination; market examination may be slightly sensitive when beginning a new concern that depends on a new exciting notion that you need to keep quiet until the small business is starting to get going, but in general some worthwhile market inquiries can be pursued by asking new customers / clients if they might be thinking of all of the useful ideas that you might have with your new concern, and if so, the real dollars that they might be willing and able to fork out for such a good idea.A Business Development PlanA business development plan can demand one or two months of graft and generally it is worth while to obtain the assistance of a number of experts who concentrate on developing business proposals i.e. business development consultants. If the commercial proposal gives the impression that it has been produced by a non-professional business person, then nobody will endeavor to take it for what it is worth and the prospect of getting that vital business loan becomes about as unlikely as being hit by a meteor.If you fear that it is too pricey to use a business development consultant then there is a stack of informative tips on the SBA (Small Business Administration) website, particularly for a business development plan, beginning a partnership, and how to get SBA business acquisition loans. The SBDC (Small Business Development Center) is a joint partner of the SBA and they come up with gratis help on a personal basis for preliminary / growing small businesses, plus legal stipulations and company promotion.Find a helpful lenderWhen the business development plan stage is ready, take the commercial proposal along to a neighboring bank and present it to them and ask their response to it; if this is agreeable, determine the real dollars that it will set you back and what the bank may figure out to aid your business, e.g. no bank charge rates for the start year of day-to-day running of the concern, ability of overdraft if desired, opportunity of adding to the advance later on if requested for development of the firm, etc. Do not feel committed to any lending institution at this period and have a discussion with other lending institutions and find their feedback and details about their lending and benefits offered. If you are finding a respectable response from all or nearly all the lending institutions, then opt for the most helpful lending institution for you and your concern.If your picked lending institution is willing and able to pursue the advance then you do not necessarily need the SBA involved; contract your accountant to okay the deal and next sign up with the advance when the time is right, making allowance for times for synchronizing your finances, etc.If the lending company is unable to offer the advance then you can require that they send your request to the SBA who can pledge up to 80% of the advance, which makes it much more appealing to the lending company, although if they stay not wanting to offer the cash then you can progress no more with this individual lending institution. Alternatively, if they are glad to sign up, they will redirect your commercial proposal and also a credit worthiness check and a request form for an SBA business acquisition loan to the SBA. They will consequently keep working with the SBA until the advance is official.

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How is Parkinson’s Disease Treated?

Parkinsons disease is a comparatively common condition of the nervous system which is as a result of problems with the nerve cells in the part of the brain which generates dopamine. This is a chemical substance that is needed for the smooth management of muscles and motion, so the symptoms of the disorder is a result of a reduction of that chemical. Parkinson’s disease mostly impacts individuals aged over 65, but it can and does come on at younger ages with 5-10% developing before the age of forty.

The chief clinical features of Parkinson’s disease are a tremor or shaking, that will commences in one arm or hand; there is often a muscle rigidity or stiffness along with a slowness of motion; the stance gets more stooped; additionally, there are equilibrium concerns. Parkinson’s can also cause greater pain and result in depression symptoms and create problems with memory and sleep. There isn’t any specific test for the diagnosis of Parkinson’s. The identification is usually made primarily based on the history of the symptoms, a physical along with neural evaluation. Other reasons for the signs and symptoms also need to be eliminated. There are imaging assessments, such as a CAT scan or MRI, that can be used to eliminate other issues. From time to time a dopamine transporter diagnostic might also be utilized.

The actual cause of Parkinson’s isn’t known. It does appear to have both genetic and environmental elements with it plus some specialists think that a virus may induce Parkinson’s as well. Decreased amounts of dopamine and also norepinephrine, a substance which in turn is responsible for the dopamine, have already been found in those with Parkinson’s, but it is not yet determined what is causing this. Unusual proteins which are named Lewy bodies have been located in the brains of those who have Parkinson’s; nevertheless, experts don’t know what role they may play in the development of Parkinson’s. While the specific cause just isn’t known, studies have identified risk factors that establish groups of people who are more prone to develop the condition. Men are more than one and a half times more prone to get Parkinson’s as compared to women. Caucasians are much more prone to get the condition as compared to African Americans or Asians. Those who have close members of the family who have Parkinson’s disease are more likely to develop it, implying the inherited contribution. A number of toxins could raise the potential for the problem, implying a role of the environment. People who experience difficulties with brain injuries can be more likely to go on and have Parkinson’s disease.

There is no identified remedy for Parkinson’s disease. That will not imply that the signs and symptoms can’t be handled. The main method is to use medicines to raise or replacement for the dopamine. Balanced and healthy diet together with frequent exercise is crucial. There may be changes made to the surroundings at home and work to keep the individual involved as well as active. There are also some options sometimes for brain surgical treatment which can be used to relieve some of the motor symptoms. A diverse team of different health professionals are often involved.

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Understanding the Impacts of Gout

Gout is among those historical problems because there are numerous mentions of it in historical literature, at least since ancient times. The traditional typecast of it is that it is related to the upper classes that binge in alcohol and certain foods. This image was pictured in early art work illustrating people who had gout. Gout has stopped being viewed as a problem of over consumption, because of the current research demonstrating an important genetic component to it.

Gout is a distressing inflammation related disorder which mostly impacts the joints, most commonly the great toe joint with the feet. It is because of uric acid crystals getting placed in joints in the event the bloodstream uric acid quantities are increased. The uric acid comes from the breakdown of purines which come from the consuming of foods like venison, salmon, tuna, haddock, sardines, anchovies, mussels, herring along with alcohol consumption. It is possible to understand how that old misconception was produced according to the overindulgence of the higher classes in those types of food and alcoholic beverages. The actual problem is not really the quantity of those foods which can be consumed, but the actual genetics of the biochemical pathway which usually breaks the purines in these food items down into the uric acid and how your body deals with it.

While diet is still important in the treating of gout and lowering the quantity of food which have the purines with them continues to be considered essential, however it is becoming apparent recently that this is just not sufficient by itself and just about all those who have gout probably will need pharmaceutical management. It goes without saying that drugs are likely to be needed for relief of pain throughout an acute flare up. The acute phase of gout is extremely painful. Over the long term there are two forms of drugs which you can use for gout. One kind of medicine block chemicals in the pathway which splits the purines into uric acid, which simply implies there will be much less uric acid in the blood stream that could find its way in to the joints to trigger an acute episode of gout or lead to the long-term gout. The other main kind of drug is one that can help the renal system remove much more uric acid. This would also reduce the urates in the bloodstream. Generally, only one of those drugs is all that’s needed, however occasionally both are needed to be utilized at the same time. Since these prescription medication is ordinarily pretty successful, that will not indicate that the life-style and eating habits changes may be pushed aside. Local measures, including wearing good fitting shoes if the big toe joint gets too painful is important. Also ice packs during an acute flare up will also help with the relief of pain.

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