Why You Might Need a Hard Money Lender

Maybe you’ve been denied a loan by a bank or other traditional lender. Hard money lenders are typically more flexible than other options and can often provide loans even when other options have turned you down. Here’s why.

There’s Less Downpayment

A hard money lender only needs a small down payment in order to fund their loan, which could range from 3% to 20%. This means that the borrower will need to have anywhere from $1,000 to $50,000 available when applying for this type of loan.

The amount to be borrowed will vary depending on what type of property you are interested in and how much equity you have built up already. You can be loaned up to 70% of the value of your purchase.

Collateral Is Not Needed

A hard money loan is a type of mortgage that does not require the borrower to provide any collateral, as it is typically provided with no strings attached.

These loans are generally given for lower rates than traditional mortgages and can be used for a variety of purposes, including home repairs or flipping properties.

You Can Use It for Many Things

One of the best things about a hard money loan is that it can be used for a variety of purposes. This means that you are not limited to just using it for home repairs or flipping properties.

You can also use your hard money loan to purchase a new vehicle, pay for college tuition, or even take a vacation. It gives you more freedom than conventional lenders.

It’s a Quick Transaction

Because there’s collateral is not required, and there’s less downpayment, the entire process can often be completed in just a few days, as opposed to the weeks or months it can take to get a traditional loan approved.

This is because hard money lenders are not as concerned with your credit score or your ability to repay the loan. They are more interested in the property that you are buying or refinancing.

Benefits Outweigh the Costs

The only downside of a hard money loan is that the interest rates are typically higher than those offered by traditional lenders. However, if you can find a firm with competitive rates, the benefits of this loan will far outweigh the costs.

California Hard Money Direct offers just that. If you need a quick and easy way to get funding for your … Read the rest

6 benefits of using SMS marketing

Short Message Service or commonly known as SMS is a text messaging service you can use through the mobile phone. In this modern world, everyone uses handphones and SMS marketing has become the main source of sending information, advertising your business, and getting new customers for any business. Today we will learn the 6 benefits of using SMS marketing.

Not Expensive

SMS marketing is not expensive compared to other marketing tools like Facebook ads, commercial advertising, or print advertising. When using a bulk SMS marketing system, it becomes cheaper and can send to many people in a single click. Some big collection agencies and even government bodies are still using SMS marketing to create awareness and get to the customer because it is one the cheapest way.

Boost customer engagement

One way of engaging with customers is to send multiple choices to customers using an SMS marketing system. Running a survey about current issues, doing a poll to see what customers like most or giving exclusive deals, and running a contest to attract more customers, all can be done using this simple SMS marketing to boost engagement with current and new customers.

Better open rates

SMS marketing has a better open rate compared to phone calls or emails. A study shows that 98% of SMS are opened within 5 minutes upon receiving. Most phone calls will go unattended or ignored due to work and emails mostly will go to the junk or spam folder which makes it difficult to reach customers. Meanwhile, SMS goes directly to the handphones of customers which makes it have a better open rate.

Does not require internet

Most of the jobs around us in running with the help of the internet. We cannot do anything without the internet in this modern era. But if in case of any internet shut down, what will happen? That is why SMS marketing is very important because it does not require the usage of the internet. You can simply use a cheap mobile device to send SMS and keep in touch with all the customers even without internet service.

Can connect with other marketing channels

SMS marketing can be easily connected with marketing channels like Aweber, Salesforce, and Eventbrite. These channels do email marketing, collect customer data, and event management, You will just need to synchronize the SMS marketing service to get to a larger customer database. One of … Read the rest

What To Look For In An Investment Advisory Firm

We invest so we can get the most out of our savings. We value saving for the future and we believe in the potential of our savings to grow more than just the average 0.06% interest rate when we put it in a bank. But investing comes with lots of risks especially if you’re new to the market and you have zero ideas of how investments work. Avoid investment scams and investment failures with knowledge on what to look for in an investment advisory firm.

Reputation

Research on the firm’s quality of service. Read testimonials and reviews to get insights on how they do financial planning. It would be easier if someone you know and can be trusted would just recommend one because you can easily get a glimpse of the result of their service by just looking at how she or he has improved financially. Customer satisfaction can convince you that the firm is worth a try.

Dedicated and Credible Financial Advisors or Teams

It is best to work with a team that understands your financial goals and listens to your concerns. Check if the financial advisors you are going to work with have the knowledge (educational background) to provide information backed by research and different studies on personal finance. Their certifications and experiences will tell you further that they are reliable sources of financial advice.

Reasonable Fees

The service of an investment advisory firm is more costly than the service of an independent financial advisor. Check if their fees or commissions are reasonable enough so that most of your investment returns will go to you and not to them.

Support Options

Customer Service should be great and will allow you to get answers to your account questions any time of day or night. Whenever you’re worried that something might get wrong it is best to have a support option that can put your mind at ease and let you sleep peacefully at night knowing that your funds are secure.

Working Relationship

It would be best to work with a team that is hands-on and will be with you every step of the way. One who will give you continuous support and suggestions for better options and improvements. Not those who will only meet you once a year.

Putting your money in a savings account will give you lower returns but with fewer risks. When you invest your … Read the rest

Why You Should See An Esthetician

Taking care of your skin should be a priority. It isn’t just for the sake of your appearance, but for your overall health. This is why some people consider skincare as a form of self-care. Having a daily skincare routine allows you to focus on yourself. It gives you time to relax and prioritize your well-being. Although, even with all the proper skincare routines, it may not always be enough to keep your skin looking young and healthy. As time goes by, our skin starts to deteriorate. We start getting wrinkles on our faces, around our eyes, neck, and mouth. Different factors can cause this. It can be caused by natural aging, pollutants, smoking, exposure to UV light, and so on.

Find A Good Medical Esthetician

Having wrinkles on our faces can be bothersome. It can make us feel insecure about our appearance. We then try to find different ways to lessen the wrinkles that are visible on our faces. The best way to deal with this problem is to seek a medical esthetician that could provide you with the proper knowledge and procedures on how to handle this problem. Medical estheticians can easily determine your skin type and skin condition. As a result, they could provide you with the best skincare regimen suitable for your skin. Improving the overall appearance of your skin.

If you’re having trouble finding a medical esthetician, try checking out wisdomesthetics.comThe luxury aesthetic clinic based in Montreal consists of a team of medical estheticians that offer patients non-surgical facial treatments and other aesthetic treatments for their face or body. The clinic is equipped with the most advanced technologies, ensuring patients their safety and satisfaction. Providing numerous patients with high-performance treatments and successful results. The team of professionals will guide you through the entire process, making sure you feel comfortable with their services and confident with the results. Go book a session today!

Facial Treatments You Should Try

Botox

If you’re tired of seeing those annoying wrinkles on your face then you might want to consider getting Botox. This procedure helps remove those annoying lines and wrinkles on your face. It relaxes your facial muscles and helps smoothen your skin. Leaving you with a more healthy and youthful appearance.

Peeling Treatment

Every day our skin comes in contact with different pollutants or products that may cause harm to our skin. For this procedure, a … Read the rest

The Importance Of Dental Care

As we get older, the risk for gum disease, tooth decay, tooth loss, and other related dental problems increases. This is why at a young age, it is important to brush and floss your teeth regularly to avoid these things from happening. However, some people that claim to do this every day still get tooth decay, gum disease, etc. This is why doing dental care yourself isn’t enough. Regular visits to the dentist are what’s necessary. Having a specialist or professional take care of your teeth can help you avoid any further complications. They know the best and proper treatment to help you achieve that perfect smile.

Why See An Orthodontist

Having healthy teeth is important since it is among our crowning glory. It is one of the main features that makes us look even more beautiful. However, not everyone was born with a set of straight teeth. Growing up, one of the most common problems we notice is having misaligned teeth, crooked teeth, or misaligned bites. Having this can increase the chances of having tooth decay, cavities, gum disease and so on. People that go through this tend to lose their confidence. It makes them feel insecure to show off their smiles. Going through any of these can have a huge impact on a person’s life.

If you are experiencing any of these dental issues, it’s best to consult an Orthodontist. Orthodontists are dentists that specialize in these cases. With the help of braces, retainers, and bands, they could fix those problems. Their job is to make sure their patient ends up with that perfect smile that can boost their confidence. Having a perfect smile can improve a person’s well-being without them noticing. People don’t realize how much this can positively impact a person’s life.

Why Getting Regular Dental Exams Is A Must

We can all agree that good dental hygiene is important for a person to maintain. You can do all the exercises you want, and have that fit body, but if you don’t have a healthy set of teeth, you can’t call yourself a healthy person. Taking care of your teeth should also be a priority, the same way you take care of your body.

Getting routine dental exams can help keep your teeth in check. Making sure they are strong and healthy. During these dental exams, the dental team would give your teeth a thorough cleaning. … Read the rest

Kona, Hawaii: A City of Opportunities

Kona Coast is a seaside town located in the west of Hawaii. It is ripe with culture, exotic animals, and beautiful beaches. The food is excellent, and the people are friendly, and the views are breathtaking. Kona has both mountain and sea views, and building a resthouse there is a great investment idea.

Despite being a small town, Kona has all the amenities a person might need. There are hospitals and clinics, grocery stores, malls, schools, and churches. In addition, since tourists flock to Hawaii at all times of the year, more people build resorts and beach houses along the coast. As a result, Kona is booming with activity all year round, and its potential draws not only tourists but also investors.

Investing in Kona

Investinkona com lists several reasons why an individual might want to start investing in an adorable seaside town. Here are the reasons:

1. Hawaii as a whole continues to have property appreciation. As a result, property values continuously grow, despite fluctuations in the real estate market. In addition, since there is a steady influx of tourists, there is a constant flow of people who might want to build a resthouse there.

2. Working from home is now made even more possible, and people who once thought that living in Hawaii would hinder them from working are now re-thinking their decisions to buy or build a property in Hawaii. The allure of working from home while getting beautiful seaside views is the primary reason why people are investing in Kona.

3. US law gives safety and security to its citizens who own property in Kona. There is a distinction between other tropical real estate properties and Hawaii real estate.

4. Kona, despite its vast coasts and large lands, is strict about space. Not all land in Kona is for property development since they take pride in their agriculture and land conservation. Because of limited land availability, investors are scrambling for a prime spot, raising the bar (and cost) even higher.

5. Beach houses and Airbnbs yield large income in Hawaii. Shay Hopkins from Investinkona.com says that tourists expect high-end living, and property owners yield to these demands, creating luxurious rentals for tourists to live in while in Kona.

Conclusion

Investinkona com also gives potential investors a comprehensive guide on how to start investing in Hawaii. Their FAQs answer just about any question an individual may have, … Read the rest

Why You Might Want to Have a Men’s Monthly Online T-shirt Subscription

A significant trend in men’s fashion today is T-shirts. T-shirts are fun to wear and great when you just want to have casual attire. It comes in various colors, materials, and sizes. You can choose one that is best for your style. Many of us want new designs and cool new prints every month. Just like television subscriptions, you can also do monthly T-shirt subscriptions. There are many benefits of having a monthly online T-shirt subscription, and we’ll explain to you why it’s great to have one.

Attractive and unique shirts every month

One of the best highlights of having a monthly subscription for T-shirts is that you will receive a new design every month. Those who want to take their styling seriously would love to have a monthly subscription. You get to wear the latest fashion trends and designs. Every month, you will have the chance to wear something new and elegant. It can also give you a chance to collect rare shirts that are only released once in a while.

Cost-effective

If you’re the kind of person that buys T-shirts impulsively, a monthly subscription can help you avoid spending too much on shirts. Online monthly T-shirt subscriptions enable you to receive different attires such as mens tank top shirts on a monthly basis. Limiting your shirt purchase to a monthly basis can save you money because you don’t have to buy impulsively, knowing that you will receive a new shirt every month.

Exciting and fun

When we receive gifts from someone, we are usually excited to open up that present. Just like online T-shirt subscriptions, you never know what you will get. The online subscription mystery is fun for men who like monthly surprises. You don’t get to pick the shirt, and you’ll receive a random design every time. Sometimes, we might even receive a shirt that we’re gonna unexpectedly like.

Convenience

There is a vast collection and selection of fashion pieces on the market right now. It can be difficult for you to choose the best shirt design for men. With online T-shirt subscriptions, you get a new design every month without the confusing experience of online shopping. All you have to do with a monthly subscription is to receive a newly designed shirt monthly. You don’t have to go through the difficult process of browsing through endless fashion designs.… Read the rest

Healthcare Recruiters: Health Made Easier

There’s no denying that nursing is a taxing profession, but choosing the right nurse can be a large task as well. The fact is that whether you are representing a hospital, an elderly retreat, or just looking for a personal nurse, it’s hard to know how to gauge a nurse.

The average person doesn’t know the difference between an LPN or RN for one. And even those that do, don’t necessarily have to be the best at testing and interviewing recruits. Ultimately hiring a person is an art of its own, and nursing is one area where trial and error isn’t an acceptable option. Thankfully this is why Healthcare Recruiters exist.

What is a Healthcare Recruiter?

A Healthcare Recruiter is an individual or organization whose job consists of staffing health care professionals for other parties. They are functionally healthy middlemen and are a great aid for people who aren’t quite sure what they need from a nurse.

Recruiters get a description from their clients of what they need in a nurse and then spread the word of this new job opening to start a screening process. Some recruiters have their own job board for interested professionals to check at their own pace; others have a more hands-on approach. But regardless of the method, they find multiple candidates and then proceed to evaluate them to find a perfect candidate.

So ultimately a recruiter is part of the staffing process from moment one and takes an active role to ensure their clients get the professional they truly need.

Why should you go through a recruiter?

Some of you might still have some doubts about why should you go out of your way to hire nurses through a recruiter; ultimately it comes down to three main factors: Experience, Speed, and Contacts.

Recruiters know perfectly how the entire screening and hiring process goes, they handle LPN staffing for hospitals and other large organizations. Meaning that they know how to gauge and judge all possible candidates that come their way. They are also really efficient at their job and by using a recruiter you will find a professional nurse much faster than through your means. And related to the above they simply have more connections in this world than most of us. Whether they have a board or are acquainted with unions. recruiters have a much larger pool of candidates to screen, and having more … Read the rest

Why Should You Optimize Your Health With Personalized Nutrition?

It’s a perfectly reasonable question. As more and more people opt for personalized nutrition plans, consultations with personalized nutritional consultants, and IV drip therapy, it can leave those who haven’t tried it wondering why they should even bother. So many people will probably look at this as just another passing trend and assume the hype will be over in a year or two. Well, after reading this post we might surprise you with how helpful personalized nutrition is for optimizing your health.

Is Your Body Working At Its Best?

That’s the first question you need to ask yourself. Are you tired more than usual? Are you getting the most out of your workouts or athletic performances? Could you be a little less stressed, or benefit from a nutritional plan that is tailored to you? If any of those questions make you stop and think ‘maybe I could benefit from personalized nutrition’, then the likelihood is you would!

What Do We Mean By ‘Optimizing Your Health’?

Essentially, when we say that personalized nutrition is perfect for optimizing your health, we’re talking about getting the most out of your body. All our bodies are unique to us, so what might be helpful to one person might not be helpful at all to another. So, the best way to get your body working in the way that it ought to be, and better yet in the best way that it possibly can, is to look at your body as a unique entity and then figure out the best way to help it.

That’s where personalized nutrition comes in. It looks at what you need, and then a personalized nutritional consultant can help create an action plan with you to make sure you get exactly what you need to be at your best.

Who Is Personalized Nutrition Right For?

That’s the beauty of personalized nutrition, it’s right for everyone! If you have specific medical dietary needs, then you should always discuss this with any consultant before starting any form of nutrition plan or IV drip therapy, but if they can still work with you safely, they certainly will.

There are many reasons you might wish to optimize your health. Whether it’s to help with your weight, diet, athletic performances, lower your stress, increase your metabolism, or better your energy levels. Personalized nutrition can help with it all, so if it’s something you’re seriously … Read the rest

Why You May Want to Get An Investment Advisor Representative

Perhaps you have been considering investing your money recently and you are not sure if you should conduct investments on your own effort or if you should use the services of an investment adviser representative. If that is the case, we are pleased to provide some helpful insights that will indicate why you may desire to seek to use the services of an investment adviser representative when you are ready to invest your money.

Authorized professionals

An investment adviser representative is an authorized person who possesses the proper licensing in order to guide people when it comes to making well informed investment decisions. This shows that the investment adviser representative is reliable and trustworthy as a result of authorization and licensing, such as the professional investment adviser representatives at weberglobal.com. Therefore, these representatives are able to handle your money in a wise manner to ensure that you receive the best outcomes for your investment.

Know how to make good recommendations

The investment adviser representative will know how to make good recommendations to those who desire to make money from their investments. This means that the investment adviser representative has information that you may not have access to in regard to where the best places for investments are. If you were to make a certain type of investment without the usage of a professional investment adviser representative, then this could result in your tragic loss of a lot of money. But when you are careful to use the services of an investment adviser representative, you will be sure to get access to the best recommendations to prevent the loss of money and to ensure the best return on your investment possible.

Management of accounts

When you are looking for a great way for your investments to be able to increase without you having any hassles, the sure hassle-free way is for you to turn over your accounts to be managed by professional investment adviser representatives, such as the ones at weberglobal. com. The representatives are able to conduct the management of all your accounts, such as the detailed oversight of your various discretionary accounts, as well as the performance of administration elements. You will experience a higher level of security with your investments when you use the services of an investment adviser representative in this manner, as the investment adviser representative truly has the skills and experience to handle your … Read the rest