Make Money Financing

While you can’t expect to make what the billions banks make from borrowing other peoples money. You can earn an extra income on the side. The unofficial term would be called the Carry Trade that has been used by hedge funds to make billions down to housewives looking to make some extra money. The idea is to borrow money in countries with lower interest rates and buy higher yielding investments in countries with higher interest rates. Though changing currencies is not at all necessary if you’re looking for a simpler strategy. Which is essentially the same method except you borrow money at a low rate then invest it in a higher yielding note.

When evaluating this type of method be sure to include all commissions, financing charges, and try to map out unanticipated factors. Such as when the fed cut interest rates to virtually nothing at the margins between currencies virtually collapsed. Since then the dollar has been a major currency borrowed against and invested in other countries, such as Australia.

After employing the method myself, the simpler method stated before, I borrowed money on margin (5.99%) and invested in a General Electric note yielding 8.0%. Which is virtually impossible to find since I made this investment. The sense of timing was excellent and I plan to hold the note until maturity and reinvest my earnings into General Electric stock. Even though the opportunity for a similar investment is hardly to surface again. It proves that opportunities will present themselves in the least likely of times to those who act in excavations of what seems like financial ruin. Depending on your appetite for risks I wouldn’t recommend this for everyone.

Posted in Uncategorized | Comments Off

Private Money Financing Offers Big Yields!

In the foregoing illustrations, the presence of a passive investor was a key to being able to capture large portions of equity in a relatively short period of time. The investor provided all the cash but, in the end, the transaction generated yields far in excess of those available in any other competing investment opportunity of comparable ease and safety. The stock market has been moving up and down for months as investors wait to see how the inflation picture shapes up. None of these can produce investment yields like those in the foregoing examples.

For many years I’ve been more investor than entrepreneur, but I see myself as a sort of venture capitalist who takes a large profit in return for sharing some of the risk with an entrepreneur. The amount of profit depends upon the particular transaction. When I have financed those who buy houses to fix up and resell and others who have developed mobile home lots, I’ve been able to earn around 20% per year on my invested cash. I’ve also financed those who attend foreclosure sales to buy houses for resale with roughly similar yields. I do no work. My role is that merely of a lender who lends money on a shared appreciation mortgage (S.A.M.) loan.

A lender usually gives up the benefits of amortization, appreciation, tax-shelter, and leverage in exchange for high cash flow returns. By keeping money invested in relatively short-term propositions, he is able to roll funds over and over, and thereby generate high yields. Except for mobile homes, I’ve rarely seen a house that would produce net cash flow yields that compare with those that private financiers can command. This is particularly true when conventional financing dries up. Builders, fixers, land developers, dealers are heavily dependent upon the availability of financing to stay in business, and they’re willing to pay high short-term interest rates to get it. When credit is tight, this is a fertile field of opportunity to those who followed my advice and sold some of their houses over the past few years and who are now looking for ways to invest their cash.

The big buggaboo of the lending business are those who become overextended and who file for bankruptcy protection. This can be a worrisome situation that robs the investor of a lot of time and money. There are several reasonable steps that a person can take to reduce credit default and bankruptcy risks.

1. Act like a banker. Lend only to those with high F.I.C.O. scores who have plenty of collateral that you would like to own. When you lend to them, don’t let them borrow more than they can repay. You won’t be able to get as high a yield, but if safety is a priority, this is a prudent way to get higher returns.

2. Don’t make loans! Instead of lending money to those involved in risky ventures, buy something else that they own at a discounted price. Instead of receiving regular payments which could cripple their cash flow, let them buy their property back at some point in the future. If they go broke, you’ve avoided the need to foreclose; or the need to file a motion in a bankruptcy proceeding. On the other hand, if they’re successful, the price at which they buy back their property can be increased in order to capture an agreed upon share of their profits.

3. Instead of buying another property as above, buy the property that a dealer wants to resell. Give him an Option to buy it from you at a price based upon risk factors and the time of repayment. This avoids potential usury problems, since you only deal with 3rd parties when buying, and they need not buy the property back from you. Obviously, you’ll want to buy at a very attractive price which will enable you to sell out to someone else if the entrepreneur fails to buy the property from you. This is particularly wise when dealing with builders and developers.

4. Provide a secondary market for sellers’ mortgage Notes. By buying them at a deep discount to value, you can build in a margin of safety and some liquidity, since you can re-sell them at a point in the future if need be. If State law allows it, give sellers an Option to buy back their notes to create a specified yield.

Posted in Uncategorized | Comments Off

The Importance of Personal Money Finance

When was the last time you took a good look at your personal money finance? I asked this question to some of my friends and I was surprised to hear their answers.

Most of them were not in the habit of analyzing their personal money finance and some of them were so deep in debt that a cursory glance at their personal budget would give them an instant heart attack. The question is – are you one of them?

Why Is Money Budgeting So Important?

Let us face it. We live in a credit crunched world today. We live at a time when the experts around us scare the life out of us by mentioning terms like depression, meltdown, and recession. What this ultimately means is that you need to watch your personal money finance and the way you spend money. You should make sure you live within your means, start saving as much as you can, and stay out of debt. How do you do that? Here are some saving money tips to get started with.

First of all, develop the habit of writing down your income and track expenses. Keep a tab on your personal money finance all the time. By writing down your income and your money expenses, you get to know how much you spend on your basic needs, how much you’re spending on important things, and how much you’re spending on totally unnecessary items. Once you find this out, you can easily find a way to stop the unnecessary personal expenses.

You can find a lot of experts suggesting some sort of home budget software to calculate your monthly expenses. My take on this issue is simple – if you can afford it, go for the home financial software, it will keep track of your personal money finance a lot easier and it will save you time. If not, a good old pencil and paper or a personal budget spreadsheet will do just fine.

The most important thing is that you should write everything down. Even if you spend $10 on a cup of latte, make sure you write it down. Do this for one month. At the end of the month, take a good look at each home expense and find out which was necessary and which was unnecessary.

Inexpensive Ideas for Your Monthly Budgets

o If you are spending on coffee $10 a day at Starbucks, stop doing it today. Instead, buy a coffee maker. This way, you get to drink coffee any time you want, anywhere you want. Most importantly, you’d spend less, a significantly less, than drinking out.

o If your spouse has a thing for designer wear, ask her to switch to normal clothes. Designer wear cost a lot of money and it is definitely not worth paying it at a time when you are struggling to make ends meet.

o If you spend money eating out often, stop it now. Homemade food is healthy, tasty, and way cheaper. This is one of the simplest inexpensive ideas you can follow to cut your home expenses.

o Pay off your credit card debt and stop using it for a month. If you can’t pay cash and buy something, don’t buy it. Learn to live frugally. Initially, it will be difficult. But you’ll get used to it in a few months.

o Buy in bulk. Getting a 12 pack for $5 is way cheaper than buying a single soda can for $1.

o Start saving because not saving and keeping track of your personal money finance will cost you more in the end. Even if it is a very little amount each month, it will continue to grow and, before you know it, you will have a substantial amount in your savings account. Keep it safe for a rainy day.

These are some of the simple ideas that can help you cut down your family expenses. Live well within your means, say no to unnecessary expenses, and improve your personal money finance.

Posted in Uncategorized | Comments Off

Close Deals Faster and Easier With Hard Money Financing

Time and money are the most important elements in the field of real estate investing. This is why more real estate investors are looking for alternative financing options other than bank loans in order to finance their deals. One example of an alternative that investors can benefit a lot from is hard money financing.

Now how does this type of financing edge out other ways of funding properties? The answer lies between time and money – the two essential elements that all investors need in order to succeed in this business. Here is how hard money loans open opportunities groups and individuals investing in real estate:

In the Nick of Time

Traditional lending entities such as banks, mortgage unions and credit firms have a long and tedious process of approving loan applications. A loan application process usually involves determining an investor’s credit score and a property appraisal. The process usually takes up to 30 days or more to complete.

Meanwhile, hard money financing makes the approval process faster by cutting red tape in its loans. Lenders skip the process of determining a real estate investor’s credit score and goes straight to the point by using the investor’s property as collateral. Since a loan is collateral-based, the approval process only takes up to two weeks.

Money Matters

Another benefit that real estate investors enjoy when applying for loans is the amount released for each approval. People who go to lenders know that they can borrow a bigger amount of money from these lenders as compared to a bank loan. The reason behind this benefit is that a hard money loan’s released amount is based on the collateral’s after repair value or ARV. Meanwhile, a bank loan is only based on an asset’s current value.

The Perks

Hard money financing opens a lot of opportunities to people who want to invest in real estate. This type of financing allows real estate investors to close deals without any money down. It also helps individuals who fix and flip properties to fund repairs for the distressed homes that they purchase.

Posted in Uncategorized | Comments Off

Chiropractor – A Health Care Invention

A chiropractor is defined as a health care device with a professional touch for the diagnosis and intensive treatment of neuromuscular disorders. Their emphasis is on neuromuscular disorders, especially spine.

Most of the chiropractors are used as a pain reliever for the patients. That is why it has been given the title of being an alternative medicine to the subjected treatment.

Chiropractors firmly and honestly believe in the kind of relationship that developed between our nervous system and spine, this does not come as a surprise as we have already mentioned that the major area of focus for the chiropractor is the spine.

Here is the listing of few of the benefits received from Chiropractic health care

1. A great boost for stress reliever

It is a well known fact that too much of stress will always result in a bad outcome. Neither is it good for health nor is it good for our well being. When our nervous system moves out a bit from the track and our skeletal system seems to have shaken off from their proper position, there are very high possibilities that your entire body will feel out of balance as well. This is what will lead to stress in your entire functioning of the body. Here is when the functioning of a Chiropractor comes into use. It helps in balancing that stress and your body is immediately made to come back to its normal balance. Once you are made to adjust to this functioning you will feel much more equipped to manage this stress if it happens to arise again.

2. Posture perfection by Chiropractor usage

By using this chiropractor over a considerable period of time, these chiropractor adjustments can help in the alignments of the spine and brings a noticeable change in your posture. This is distinctly helpful when it comes to aligning the curve on your neck. As soon as you get into your working in an office phase, you have to spend hours after hours in front of a computer. Due to this from a very young age, people are seen to be having neck issues. If you continue a regular and dutifully maintained use of the chiropractor, you can improve your body posture in no time.

3. Moods are taken care of automatically

When with time your body gets adjusted with the working procedure of the chiropractor, your entire body gets balanced. The entire chemistry of the body is brought back on track. A lot of people who have not had the best of luck in chemical balance gain a lot from the chiropractic care. Depression which is a very serious mental condition also sees an immense improvement in the moods of the sufferer. So you see how a chiropractor is creating wonders in your mood related cases as well which are in a way related to the functioning of your entire body.

Thus we provide you with a gist of all that you can mainly expect from the usage of a chiropractor. It is efficient and it is useful and it is interlinked with many a thing’s improvement.

Posted in Uncategorized | Comments Off

Calamine Lotion Benefits

Calamine lotion has been around for a long time and was always used in the medical environment. Obviously, it isn’t as strong as most antiseptic chemicals but it is a lotion that prevents itching.

Calamine lotion can be used for various treatments which include damaged and itchy skin. When skin gets damaged it will get itchy because the cells are breaking and tearing apart. It may sound painful but the itch is what really gets to you. And who can resist scratching an itch?

Coming into contact with poisonous plants is common when camping or spending the day in a garden. These are plants that use poison as a self defence mechanism to save themselves from being cut or eaten. It’s also important to know your allergies as some people may have allergic reactions to certain plants. The calamine lotion can help to soothe the burning feeling and prevents any breakouts at the same time. This will help heal the rash and infection quicker in a painless way.

Baby skin is very sensitive to most surfaces including their nappies. The calamine lotion can help to heal the nappy rash or anything of the sort without burning your child’s skin. Keeping the rash as soothed as possible will make your child more comfortable.

Insect bites are common in any area of the world. These bites could also be slightly poisonous (in certain cases) which causes itching and inflation on the skin. Applying calamine lotion to the bite will soothe the wound and assist with the process of ridding the body of the harmless poison. Please remember that certain insects can also be dangerously poisonous and you should be aware of which insects and spiders can harm you greatly. Most insects that have many bright colours are often associated with high toxic levels.

Calamine lotion also assists with stretch marks and broken skin that occurs during pregnancy. There is nothing worse than having discomfort during pregnancy especially if it could be treated or prevented. Adding calamine lotion to your broken and itchy skin relieves the surface of the discomfort.

You can also apply it to other skin problems such as acne, dryness, eczema, psoriasis and as a normal moisturiser to improve complexion and quality of skin.

Calamine lotion can be found in most stores or in bulk quantities at cash and carry wholesale stores. If skin problems continue after the use of any treatments, there is a chance that your body is unable to cure itself of the infection. In such cases you would need to consult a dermatologist to find out the cause of the problem.

Posted in Uncategorized | Comments Off

Staying Safe While Behind The Wheel

There is nothing quite like being able to hit the road and experience a level of freedom in your own vehicle. While your car can offer you a chance to escape from the monotonous routine of your daily life, it is also important to keep basic maintenance in the forefront of your mind. When something goes wrong with your ride, it can lead to some serious financial problems and general frustration. In fact, you might discover that some aspects of maintenance are less obvious than others. This is especially true of areas like windshield glare.

When you are driving on a particularly sunny day, you might not be able to see the road in front of you. The sun can be harsh and unforgiving, and this can have a huge impact on your ability to see clearly while you’re driving. Instead of chalking this up to the way that it is, you might want to take action and discover the right solutions with Crystal Fusion Technologies. Explore the different ways to improve your driving experience and learn how to stay safe while you’re behind the wheel.

A Frustrating Glare

Sunlight on the windshield can be a serious threat. A sunny day is perfect for going to the beach, having a lazy picnic in the park, or simply soaking up some rays. Unfortunately, the sun is also incredibly bright at certain times during the year. When light bounces off or gets filtered through the glass on your windshield, it creates an obstruction that cannot be easily remedied. While you might try and put on some shades, you’ll discover that this solution only gets you so far. A real remedy is in order for a lasting fix.

Companies like Crystal Fusion Technologies have put a lot of time and energy into crafting solutions that aim to improve this situation. Cutting the glare on your windshield is not an easy task and you need to make sure that you are taking the right steps to see improved results. With the assistance of the best products on the market, you can use cutting edge technology to divert the rays of the sun in a way that does not upset your driving in the slightest. Research your options to discover the perfect fit.

Driving On

Staying safe while on the road is important for many reasons. People tend to go through routine maintenance for their vehicles to ensure that no unforeseen issues arise while behind the wheel. This usually takes care of areas like oil changes, tire rotations, and other important areas. Still, maintenance neglects issues that are inherent by design. Windshield glare cannot be fixed with regular maintenance. You need to go above and beyond to protect yourself when you’re on the road so be sure to look over your options.

There are many ways to protect yourself when you’re out driving in your car. When you are paying attention to all angles of your experience, it can be a lot easier for you to spot a problem in advance. Learn about how products by Crystal Fusion Technologies might be able to improve your experience by using windshield protective coating regards to windshield glare. Explore your options and you can find the best solution for your troubles.

Posted in Uncategorized | Comments Off

Various Health Benefits of Meditation

The ancient practice of meditation is gaining popularity again in modern times. As this practice goes main stream, more and more people are enjoying its benefits. Derived from the Sanskrit word ‘Dhyana’ meditation means attention and contemplation. It is a practice to help focusing the attention away from everything to achieve a relaxed state of peace and balance. This practice is designed to promote relaxation, develop love, patience and compassion and build internal energy to overcome stressful situations.

One of the reasons for growing popularity of meditation is the scientific research proving its amazing range of benefits and healing properties. It helps a person increase his focus, eliminate negative thoughts and anxiety. Here are some of the popular health benefits of meditation:

- Reduces Stress – Stress is the most common problem of people in present times. Meditation induces a state of relaxation which is helpful in reducing stress and anxiety levels. It restores the emotional balance which will help in enhancing self-esteem, increase awareness and optimism.

- Deals with Chronic Pain – Meditation helps in reducing pain of patients suffering from chronic pain.

- Improves Sleep – It helps in improving sleep quality and cures the symptoms of amnesia.

- Improves Immunity – When the body is relaxed and stress free, the immune system is able to prepare itself to fight against various diseases.

- Provides relief from Blood Pressure and Heart Ailments – Simple daily practice of meditation can help in lowering blood pressure which will reduce the risk of hypertension. Over the time, the heart rate can also be lowered, improving the cardiovascular system. Research has proved that it has helped in managing heart diseases in many patients.

- Improves Concentration – It helps in increasing the strength and focus of your attention. It can help you think better and generate more new ideas.

- Generates Compassion – It can help to increase positive feelings and actions towards others. By practicing meditation, people learn to extend kindness and develop forgiveness.

- Helps in Fighting Addictions – The discipline developed through meditation helps in increasing self control, awareness and breaking dependencies. Research has shown that it helps people in redirecting attention, increase willpower and control impulses. It helps in developing discipline to avoid triggers for unwanted things and fight and recover from addiction.

The importance of meditation can be felt never like before in present times. With routines getting busier and more and more stressful, meditation is a good driving force that can help people cope up with the intricacies of modern lifestyle.

Posted in Uncategorized | Comments Off

Remove Unwanted Facial And Body Hair Using Laser Treatment

Removing unwanted hair is time-consuming and repetitive no matter what your preferred hair removal technique is, and whether you shave, pluck, wax, thread or use depilatory creams, the hair will always grow back. You’ll find the skin on your face is sensitive, and constantly using harsh hair removal treatments can cause a great deal of skin irritation.

All women have hair on the face, usually it’s fair and fine and is difficult to see, but those with darker hair are not so lucky. You will find that most of your female friends have the same issues when it comes to unwanted facial hair. The hair on the upper lip, chin, cheeks and sideburns can all be very embarrassing and cause you a great deal of insecurity. It seems that every time you think you’ve disposed of unwanted hair, you’ll find more of it sprouting up somewhere else, and even after you get rid of the hairs, they just grow back.

You can cover up your excess hair in areas that aren’t constantly exposed, but the hair on your face is always on display, and it can seem as though everyone is always looking at the hairs on your upper lip, chin or sideburns. A good way to get rid of unwanted hair is with laser hair removal.

Benefits of laser hair removal:

It permanently reduces hair safely
It’s a fast treatment time
The results will boost your self-confidence
Prevents razor bumps and irritation
Laser treatment causes only minimal discomfort
Laser energy gets absorbed by the pigment in the hair follicle, and this laser energy is then converted to heat, causing thermal damage to the follicle without harming the surrounding skin. This results in hair growth being stopped in the damaged follicle.
Generally for white skin you’ll need around 6 treatments, spaced 4-6 weeks apart, and this usually results in 80% of hair removal. Darker or black skin may need around 8 treatments, resulting again in 80% of hair removed.

Most clients experience minimal discomfort; some may experience a minor stinging or pinching sensation on the skin as we deliver the laser pulses, but we can offer topical anaesthetic cream to make treatments more comfortable.

Although we can perform laser hair removal treatment on white or black skin, lasers only work on hair which has pigment, because it absorbs the laser light and allows the heat to build up and diffuse throughout the follicle to destroy it. Therefore it’s not possible to treat white, grey, and blond hair by laser.

If you need help choosing a cosmetic procedure, we provide an extensive range of cosmetic procedures for the face and body: Botox, Vaser Lipo, Lip Augmentation, Dermal Fillers and many more treatments, to help create a younger, slimmer, more youthful looking you!

The Selston Cosmetic Clinic is located in Selston, Nottingham, where we offer a bespoke service with a personalised touch and deliver high client satisfaction. We have been involved in the cosmetic industry for over 10 years

Posted in Uncategorized | Comments Off