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How To Pay Off a Bridge Loan

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Homeowners who relocate may find that selling an existing property can become a top priority. If you’re relocating for a job, downsizing or going through probate, a bridge or an estate loan could help you get through a potential liquidity crunch.

Payment arrangements made through residential bridge loan lenders often coincide with the sale of your existing home or inherited property. The timing of the loan’s repayment schedule provides the convenience and flexibility to pay it off when your property transaction occurs. 

Payment plans that match your closing schedule

Because creditors expect borrowers to come into a large sum of cash when an existing property sells, a bridge loan payment plan will typically follow your closing schedule. This offers a great deal of convenience. When your first property is still on the market trying to attract a buyer or waiting for a closing, you may not otherwise have the money to purchase your next home.

To overcome the funding gap, many residential bridge loan lenders create affordable monthly payment plans that include a larger balloon payment that’s due when the sale of your current property is complete.

Short-term payment options

Bridge loans give you the freedom to purchase a new property when you need to do so without committing to a 15- or 30-year stretch of mortgage payments. If you’re leveraging your current house to fund an urgent move, waiting until after your existing property is sold could result in a lost opportunity. A short-term bridge loan, however, provides you with sufficient funding to afford your new home and also maintain your existing property until it’s sold. You can get the payment flexibility you need to make this work. This gives you the freedom to move on your terms while you fulfill other obligations without a need to commit to large mortgage payments.

Bridge loan payments and inherited properties

Obtaining financing through hard money lenders Los Angeles residents can trust in helps when it’s time to overcome a short-term funding predicament. Acquiring property through an inheritance, for example, may come with unexpected expenses that you may not have been prepared for.

For a variety of reasons, heirs may not want to hang on to an inherited property, especially when its upkeep is too close to its current market value. If you decide it makes more sense to sell an inherited property, a hard money lender’s estate loan may help offload it.

Maintaining a house typically requires structural repairs, property taxes and homeowners’ insurance. Unless the deceased included sufficient financial resources to cover these expenses, your monthly budget may become overwhelmed by the inheritance.

It could be to your benefit to look into residential bridge and estate loan programs that offer short-term funding and payment arrangements to help dispose of an unwanted inherited property. You can then pay off the loan after the property is sold.

Flexible payment scheduling

A bridge loan provides the cash needed to move into a new home without worrying about an existing home’s sale. An estate loan offers relief from an unwanted property so that you can purchase a more suitable home or unload an unwanted inheritance. Both hard money bridge and estate loan programs can provide more affordable and flexible payment schedules than traditional long-term mortgages.

Easy Ways To Make Extra Money

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If you’ve been trying to think of ways to save extra money on the side for those special family events or holidays like birthdays or Christmas, you may be wondering just how so many people seem to do it. There are dozens of ways to make money online, some of which require more work than others. Here we’ll give you a run down on the easiest ways to make money without needing to take a second job or spend hours a night working on side gigs as a freelancer.

Sell Old Items Online

Selling old items online is one of the easiest ways to make money online. From VHS, CDs, DVDs, various electronics, books, clothes, toys and even furniture, selling unused or unwanted things on the likes of eBay or sites like Music Magpie can net you a small fortune when it comes to selling things you no longer need. The more recent an item – thatis to say, the more recently it was manufactured – the higher the price you’ll get for it. Designer clothes will be worth more and things like phones can be worth a bundle if they’re a newer version of an iPhone for example.

Cash In The Attic

Don’t underestimate the power of antiques. By antiques we mean those old antiques lying around in the loft or basement. There could be things as well that you never expected could fetch a pretty penny, especially retro things like old video game consoles that might be considered rare versions. Not every “antique” needs to be a dusty old vase that your great aunt Gladys left you in her will. Some antiques are not at all what you’d expect and can be almost anywhere in your home.

Garage/Rummage/Car Boot Sales

Do you have a bunch of things that need to be shifted to make way for renovations, a new baby, a big move or someone moving in? Consider taking whole boxes down to your local rummage or car boot sale and trying to sell them onto people who might be interested. You never know who might be interested in a big box of metal hangers, right? Rummage and car boot sales are great places to unload old CDs. DVDs and games as well as books, small furniture and appliances amongst other things.

Playing Games

Gaming online is a great way to make money in a number of different ways. Some RPG style games will allow you to sell advanced well built up accounts for real cash, but if you want something that doesn’t take ages to build up, consider playing online casino games. You can try some here. From slots to blackjack, poker and craps along with everything in between, it’s no wonder so many people love a bit of online casino gaming.

So if you want to make some extra money AND have fun, why not consider one of these cool ways? With so many fab options out there, more and more people are hopping on the money making bandwagons available. How will you cash in?

Ormeus Global

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Ormeus global is an opportunity-based company that shapes individuals towards the realization of their future dream goals. Those who are thirsty in getting informative life ideas can be served well on this platform. The company offers online learning, which intends to open up minds of those who participate in order to see available opportunities. Its content of products and services offered covers a wide area.

The company offers online learning for free and it aims at creating opportunity awareness to improve personality growth, wealth and health. Currently Ormeus global is getting popularity in the marketing sector as well as in the social media advert of invitation. Despite the doubt by some people about whether the company offerings are legal or illegal, least be assured that this is a legit activity you can confidently engage in.

Ormeus global offers different kinds of products and services, which includes educating people about crypto-currency, wellness products, and health-related products. The company also offers services relating to website design. Its websites have the best SEO sparks when it comes to ranking. It also offers online learning about getting started with crypto-currency trade, Bitcoin, and how it is used, as well as an introduction to block chain technology. It also creates awareness about frauds related to use of crypto-currency.

Through the application of InnerQuest program, people get a chance to grow commercially and learn much wealth creation through crypto-currency education. The company intensifies to people how the use of Bitcoin is taking advantage of the current technology world. According to them, Bitcoin is the best tool for wealth creation and the most available opportunity in the market.

Crypto-currency, according to Ormeus Global, involves the use of Ormeus coin in relation to Bitcoin or Litecoin. Under crypto mining operation the customers will have a chance to grow their wealth. Through mining, Ormeus coins can be mined at any time.

Wellbeing and personal health are important aspects of life for personal advancement and growth. Ormeus global give a chance to people to improve their health as well as wellness though energetic products. Athletes are mostly involved in the product because their feelings define their performance.

The company products of wellness are sold directly on a retail basis or sales models at affordable prices. Ormeus Global aims at improving personal growth, mindsets and improving health through InnerQuest. Since this platform is interactive, people will share their stories and through sharing they build themselves.

Joining Ormeus interactive learning is the best way to create opportunities that will help you grow personally, as well as your wellbeing. Their products and services are the best in terms of realizing your dreams and can help you reach your goals.

Some people may think Ormeus Global is a scum but the truth according to many reviews is that it is a legally registered company. Therefore, it is safe to join and use. Joining the association with the company is the best assurance that your life will be a continuous progression and prosperity will be impacted.

Struggling to Afford Prescription Drugs?  These Tips Should Help

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Your health insurance plan may or may not cover the cost of prescription drugs.  If you are receiving a health insurance package from your employer, the coverage you receive is dependent upon what your employer is willing to spend, so you may not have prescription drug coverage.  Although you have more control over your coverage if you are purchasing a health insurance plan out of pocket, you still may not be able to afford a plan that offers to cover the cost of medications.

In either of these scenarios, you may be left having to purchase your own prescription medications, which your doctor feels are necessary to treat and/or cure your condition.  However, there is hope for those who do not have prescription drug coverage as part of their health insurance package.  Here are some tips on how to afford the medications you need, even if you have to pay for them out of your own pocket.

Purchase Generic Prescriptions

When you go to the pharmacy with your prescription, the pharmacist will ask you if you have any health insurance, and he will be able to determine if the plan you are on covers prescription drugs.  Be sure to mention that you are willing to forego the name brand prescriptions for a generic brand instead.

Even if you forget to mention that you want a generic version of the prescription, your pharmacist may go ahead and find it for you if he knows you do not have coverage.  He may first call your doctor to confirm that a generic is acceptable to dispense to you, and this will save you a lot of money when you go to pick up your medications.  Do not be afraid of using generic versions of drugs.  They are just as effective as name brand drugs, but they are much more affordable.

State Assistance Programs

Some states offer pharmaceutical assistance programs that can help cover the cost of your prescription drugs, easing the burden on you, especially if you are on long-term medications.

Consider Seeing a Low-Cost or Free Clinic

These clinics are great for those who are uninsured and for those who are hoping to get prescription medications at a discount or even at no cost.  Physicians at clinics are just as effective as a regular doctor, but they are perfect for those who cannot afford expensive medications and medical exams.

Order Your Medications Online or Through the Mail

If you have a chronic condition that requires daily medication, you may want to forego the pharmacy and instead purchase your medications directly from online and mail-order pharmacies, which can provide the same medications at deeply discounted rates.  You can even consider ordering your medication in bulk, storing the extra supplies so that you save money upfront and do not need to worry about reordering your medications sooner rather than later.  Because there are so many options out there, shop around for the best rates, and choose a company that has a good reputation.

Shop Around for Health Insurance

While shopping around for health insurance quotes on sites like medicalhealthinsurancetoday.org, make sure to decipher what exactly is going to be covered under each plan.  Most plans are more expensive because they offer more coverage, but you may be able to find an affordable plan that fits your needs and even provides coverage for medications.

Prescription drugs can be incredibly costly so keep the above tips in mind.

A Guide to Avoiding Safety Deposit Box Mishaps

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For the modern urban dweller, a safety deposit box is probably the safest place to keep valuable items, especially essential documents, such as land title deeds, insurance policies and, of course, birth certificates. The system works by two separate locks that need different keys, one which is held by the client and one that the security company holds, and the box can only be opened with both keys simultaneously, thus ensuring that the box can never be opened unless the customer is present.

A Unique Key

There is a strict protocol that must be followed, and the customer key that comes with the security box is indeed the only one is existence, and furthermore, the key cannot be copied, and should the customer lose their key, the only way to get to the contents is to have the lock drilled out, which, of course, must be paid by for the key holder. The key must be kept in a very safe place, and you need to remember where that is. If you are looking for safe storage, Australasian Vaulting Industries has a highly secured safe deposit box in Sydney, and with locations in the suburbs, you won’t have far to go.

The Right Contents

There are certain things that cannot be kept in a safety deposit box, and the security company would certainly give you a list of materials or items that cannot be stored. Ideally, you would store any insurance policies, land title deeds and other important documents, and maybe your passport, if you don’t travel often. Your Last Will & Testament belongs in your safe deposit box, and all of these documents can be photocopied, and then you can leave the originals in the safest place of all, your deposit box. Read several references for more details about what type of items are suitable for a safety deposit box, which might make things clearer.

Power of Attorney

Whatever is in your safety deposit box, it will not be able to be accessed if you were to suddenly pass away, and for this reason, you should give a trusted family member power of attorney, just in case. Valuable company contracts and lease agreements might be stored, and if anything were to happen to you, it could cause many difficulties.

Suitable Location

When you do need to visit your valuables, you shouldn’t have to drive half the day, so try to find an established security company that have premises within a reasonable distance. If you live in a city suburb, the chances are there will be one nearby, and a Google search would be the best way to locate the right provider.

Under Insured

When making enquiries with the security company, ask how much the deposit box is insured for, as the value of your items might well exceed the limit. Typically, a safety deposit box would be automatically insured for $10,000, and there would be policies available for much higher amounts, and while their premises would have state of the art security, you really can’t afford to take any chances.

The security company would be well-versed in their industry, and would be happy to answer any questions you might have, and provided you are careful, your valuable possessions will be in very safe hands.

Factors to Consider When Thinking About Debt Consolidation

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If you are one of the many people who have managed to get into a position where you are unable to make multiple payments, all is not lost. In these times of rising prices and increased needs, it is oh so easy to borrow more than you can afford, and once this happens, there seems little one can do but struggle on. For some people, the answer is to simply ignore the final demand letters and not answer the phone calls, but in all honesty, the problem will not go away, and there one method that can address the issue, and that is debt consolidation.

Debt Consolidation

This has helped thousands of people deal with multiple debts, and it works by merging all a person’s debts into one single monthly payment. There is no “one size fits all” solution, and debt consolidation isn’t the magic answer for everyone, as you must have adequate income to meet the payment, but if you are employed and after calculating everything, can afford a consolidation loan, it could be the best solution. There are online providers who offer loans for debt consolidation, and a simple Google search will bring up a list of possible companies who specialise in helping people with multiple debts.

Suitability

Debt consolidation is not an automatic solution to a multiple debt problem, and if you contact a debt specialist, they would be able to assess your situation and help you to decide what is best. It really boils down to whether or not you are able to make a single monthly payment that might be higher than the total of the multiple payments you are currently making. If, for example, a person has 5 separate debts, and the total they have to repay per month is $600, with debt consolidation, there might be a single monthly payment of $700. Although your total outgoings are more, that one payment might enable you to manage things better, and with some expert advice, you will be in a position to make an informed decision. If you would like some further reading on how to manage debt, there is a useful article online that examines possible solutions. 

Credit History

If you have multiple debts and also have a bad credit history, that doesn’t mean you cannot qualify for a debt consolidation loan. Some online finance companies actually accept those with a less than perfect credit score, and the rate of interest charged would be based upon the applicant’s credit history. There is absolutely nothing to lose by enquiring, and it might be the answer to your problems, although debt consolidation is not suitable for everyone. 

Professional Advice and Guidance

When a person in debt tries to analyse their circumstances, they often find it difficult to see things clearly, yet by enlisting the help of a debt consolidation expert, you might be surprised to learn that there is a way to address the problem. A problem shared is a problem halved and many people have found the ideal solution after discussing their financial situation with an expert, who is able to analyse your situation clearly.

Whatever your financial circumstances, it might be possible to merge all your debts into one single loan, and providing you have a regular income, debt consolidation might just be what you need.

First-Time Gold Investor? Consider These 5 Factors

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When world economies fail, gold continues to prosper. Gold bullion coins sell in the millions every week, alluring investors to purchase gold. If you’re a first-time gold buyer, we’ve put together a couple of handy tips to consider before you make that investment.


  1. North American Coins Are a Good Choice

The American Eagle and Canadian Maple Leafe gold coins are very easy to both buy and also to sell. But, the American Eagle’s gold content along with its purity has been guaranteed by the U.S. Mint and these coins may even be put into retirement accounts.

What’s more, the more widely used gold coins are far easier sell than, for example, the Austrian Vienna Philharmonic coins or the South African Krugerrand.

In comparison, gold bars are costly, typically trading in 10-ounce amounts, but they can be difficult to sell and expensive to ship around.

If you choose to invest in gold coins, firstly, make sure that you purchase from reputable gold buyers in Adelaide, and secondly, store them in a home safe or safety deposit box. Physical possession is usually best if you want to avoid dealer scams.


  1. Compare Prices

Typically, a Mint will not sell coins directly, but reputable dealers will. If it’s your first time buying gold, be sure to compare prices among dealers. This is pretty easy to do since coins sell at a premium above gold’s sport price. Turn to the internet to find the spot price. The best thing to do is aim for the lowest possible price and try to avoid buying gold on sites like eBay where you risk getting pulled into an unnecessary and costly bidding war.


  1. Invest in 1-Ounce Coins

Typically, gold coins are issued in four main denominations, mainly, 1-ounce, half an ounce, a quarter of an ounce, and a tenth of an ounce. Keep in mind that the fractional coins usually carry higher premiums above the spot prices compared to the one-ounce varieties, which is why it’s better to invest in 1-ounce gold coins.


  1. Stay Away from Rare Coins

Rarer coins usually require a lot more expertise and diligence when investing in them. Consider this: two coins may look identical, but have totally different grades. It’s differences like these that can add up in the region of thousands of dollars. It’s a good hire to use a professional grading certificate and get certificates of authenticity when you do buy rare coins. This is usually somewhat of a hassle for investors, though. The professional grading services, however, will judge the physical condition of the coin and assign it a grade – it’s like investing in a piece of art.


  1. Buyback Policies

If you want to invest in gold coins, make sure you find out what a dealer usually charges to sell them. All dealers are different, and not all of them will charge a premium. Simply call out and find out their policy.

It’s worth remembering that there are plenty of scam artists out there, and if you come across a dealer offering delayed delivery or free storage, this should send up big red flags. Also, avoid buying from telemarketers as they usually charge a lot higher commissions.

Now that you have these tips, we hope you enjoy investing in gold!

Why You Need To Start Investing in Bitcoins

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For just over 2 years now I have been investing with the guys at Prescott Regency in cryptocurrency and in the main, Bitcoin. Now, I am aware that this cryptocurrency thing is a new concept for many and if you fall into this bracket you should start getting some education on what this new, digital currency is, and how you can make big money from it. I have done pretty well in the last few years through my investment in Bitcoin and I am confident that the other currencies which I have invested in will follow suit. If you aren’t sure, here are just a few reason why you need to invest in Bitcoin.

Evidence and Predictions

Bitcoin was the very first digital currency that came into existence and it used to cost a couple of dollars per Bitcoin. Over the years however, the people who thought that it was a passing phase or a flawed idea, have come around to the notion that cryptocurrencies will change the way in which we use money and the price has risen. The price hit an all time high this year of $5000 which is serious money and further evidence that this is an idea which carries weight.

The people who correctly predicted that Bitcoins would be worth $5000 have also gone a step further and suggested that it could go as high as $100,000 in ten years.

Wider Acceptance

It is not just people trading with Bitcoin who are interested in the digital currency and there are many online retailers and even governments such as in Japan, which are now accepting Bitcoin. The fact that ether is now wider acceptance for this form of currency is further proof that it demand is rising and this means that if you have Bitcoins, people will want them and the prices will rise.

Limitations

We already know that there are only 21 million Bitcoins which can be in existence and at the moment, just over 50% of them have been mined and are on the market. What this limitation does is ensure that demand constantly increases and will usually outstrip the supply. Therefore if you can get in right now in terms of investing, you stand to do very well in the future once the final Bitcoins have been mined, and we must move on to other digital currencies.

Lack of Knowledge  

Whilst there are some heavy hitting financial investors who are looking to invest in digital currency, there are still very few people who actually understand what cryptocurrency is and how successful it may be. This means that right now is there perfect time to get in before others do, in order to bag yourself a healthy profit later on down the line. Mark my words, this will be the end of cash as we know it and that makes this the perfect time to invest in the future.

FEASIBLE WORK FROM HOME INCOMES

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Working from home is a reality that has been put into perspective with the growth of the internet. A lot of people are already making a kill out of the jobs available online and are even going one better by investing money online with the help of online trading companies like CMC Markets. Though there are still some contentious work-at-home jobs out there it is relatively easy to sort through scam jobs and get to feasible work-from-home opportunities for some decent income. This text takes you through some of these jobs so let us get to it.

Online Teaching

All the way from elementary schools to postsecondary education, there are occasions when students need to learn virtually. Along with this comes the opportunity for anyone to teach or tutor virtually. Teachers can take advantage of the advanced technology that brings high-speed internet connections and software designed for schools to work with students from a distance. More teacher jobs get posted with enticing incomes which depend on the amount of time and type of classes one would want to teach.

Translation Jobs

There are plenty of translation jobs online that just require fluency in more than one language though some may require a bachelor’s degree. Majority of the work from home translation jobs are spread among technical, professional, scientific services but other private and state services, and social assistance also offer jobs.

Virtual Assistance

Many businesses today mostly operate online while some are completely online businesses. Running a business online needs a lot of administrative tasks and things to be organized so this makes it necessary to hire a virtual assistant to do the job. As a virtual assistant, you will be contracted independently to remotely support multiple clients in various industries by providing technical, creative and administrative services. Tasks involved include responding to business and media inquiries, writing and creating content, and responding to e-mails among other duties. There are many established companies online that offer such jobs so if you are diligent then you can earn some good income.

Freelance Writing Jobs

Writers are ever in demand due to the need for content, news articles, and other creative ideas to help fill the pages of various sites on the internet. A lot of growing sites are hiring content creators and freelance writers. If you have got a writing experience backed by ambition and the ability to be unique on events that happen on a daily basis then you can work well. Sites like Freelancer.com and Upwork.com have got lists of freelance jobs which anyone with a solid work portfolio or writing samples can apply for.

Social Media Management

Big businesses are joining the social media bandwagon in order to directly reach their customers and avoid heavy costs of television, radio and print advertisements. Some business lack social media managers hence this presents a great opportunity for anyone with the right skills to get such jobs. This industry is relatively new but it is promising since there are thousands of job listings on sites like SimplyHired.com and CareerBuilder.com.

Data Entry

There are many businesses that need workers to enter varied data into their systems. Because this job only requires computer and typing skills, most data entry workers can work from their homes on schedules that fit their lives. The jobs are in plenty and well paying hence making data entry feasible.

Blogging

This form of work-at-home income earning mechanism is a bit different from the others; it requires your time and you have to be clearly visible to be able to build yourself. It might be disappointing as you start a blog since it takes a lot of time to grow and get established but once you make it, you can celebrate. There is a bigger potential for writers with the ability to build an audience and find ways to monetize their blog sites to start earning some income as they grow.

Well established bloggers can make a lot of money through sponsored posts, affiliate advertising, product sales and Google Adsense. The best thing about blogging is that it is way less expensive since you just pay some little money to buy a domain and host a web.

Unnecessary Heating Mistakes We Make Every Winter

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As the winter sets in, as it is right now, many of us turn to our heating in order to give the home a good warm through. Naturally, using the heating for a pre-longed period of time like we do in the winter means far more money being spent on our gas bills, and whilst it is normal to accept this, many of us are spending far too much.

The reason as to why so many of us are spending too much money is because of basic errors which many people make throughout the winter period. Let’s take a look at some of the common mistakes which you may have been making, and how you can avoid them.

Timer

It is nice to have a warm house to come back to and to wake up in, but heating an empty or an inactive house, makes very little sense. It is for this reason why everyone should use a timer which they can set to switch their heating on at the appropriate times. For example you could set the timer to come on just before you wake up or get home, a far more efficient way of heating the house.

Windows and Doors

Replacing windows and doors is not something which many of us do often, but failing to do so for a long time, can result in us wasting money on our heating. The reason for this is that over time, the insulation seals on our windows and doors can wear away and allow heat to escape. If heat is escaping then your house, then money may as well be finding its way out as well.

Curtains

If you have curtains in the home then during the winter it is important that you replace them with thick curtains which will keep the heat in, and the cold out. Make sure that you keep your curtains closed as much as you can during the wintertime so that you can seal that valuable heat in, and ensure that the cold stays where it belongs, out.

Loft Insulation

It is good practice to ensure that you have loft insulation and cavity walling up to date in your home. The places where air sneaks in is through the walls so make sure that they are sealed. In terms of the loft, don’t forget that heat rises and this is your last line of defense in terms of keeping the heat in. Make sure that you get your insulation checked out before the cold air comes.

Bad Practice

Finally, make sure that everyone in the house is doing all that they can to keep the house as warm as possible. Basic stuff like closing doors behind you, making sure that windows are shut, closing the curtains and only turning on the heating at appropriate times, are all things that can help you to save heat and money this winter.

Don’t give away money for nothing, make sure that your house is locked down this winter.