Bank Lending Vs. Private Lending – Which Is Better?

If you’re planning on starting a business or purchasing a property, you may think that however you get the initial funding is fine. The reality is that there are very different rules based on the type of loan you get. Each brings something different to the table with its own different sets of strings attached. Here, we’ll go over some of the major differences that can be found between personal loans from bank lending as well as private lending money loans.

Bank Lending

Bank lending is, for many, the more officially recognized money lending option between the two. It is, as the name implies, financial capital issued out to businesses specifically by a bank or third-party finance medium. This capital is meant to handle long-term business projects or plans. These loans are set to a fixed period of time for repayment, with variable interest rates applied based on the nature of the loan.

Pros

  • Lower Interest Rates: The biggest draw for bank lending is the fact that the interest and repayment rates are generally much more manageable compared to many private lenders. This is because their initial cost of the funds is lower due to being federally backed.
  • Tax-Deductible Expenses: When paying the interest on a bank loan, the debt is paid off is tax-deductible so long as it is for business-related reasons.
  • More Secured Loan: While it may still feel somewhat predatory while amid repayment, bank loans are more secure and less likely to have tricks and “gotchas” laced in the fine print compared to private lenders.

Cons

  • Less Negotiating Power: A huge issue here is the fact that bank lenders either can’t or have no reason to work with you. Essentially, their rules are hard-lined, and if you don’t meet them exactly how the bank wants, you can’t get the loan. This can be problematic for most people.
  • Restrictive Regulations: Just the same, most banks cannot lend to small or new businesses due to their more restrictive regulatory practices.
  • Risk-Averse: Ultimately, bank loans are very risk-averse. As such, many will actively avoid supporting any business that is deemed too “high-risk” or too “low cash-flow”. Because of this, most small businesses won’t get much funding even if they otherwise meet all of the other requirements.

Private Lending

Private lending works similarly to bank lending with the one exception being that this is from money lenders in the private sector. Because they are privately owned, they are not forced to hold the same regulatory standards as banks. This can lead to some predatory lending but also some much more reasonable terms and acceptance options, as you can often negotiate your situation easier with a private lender than a bank.

A great example of a legitimate private lender is California Hard Money Direct. This is a Los Angeles hard money lender that offers reasonable rates with their clients as well as fast approval times.

Pros

  • Faster Approval Times: Provided you meet their respective requirements, getting approved can be surprisingly fast, especially if coming from bank lending, where you must go through weeks of pending approval for an answer. Here, it can be completed within two weeks.
  • Easier Approval Chances: The biggest leg-up private lending has over bank lenders is that their approval requirements are considerably easier to meet. In most cases, if your credit history is good enough, this can be all you need to get a loan.
  • More Easily Negotiable: While certain lenders have a predatory slant to them, these will often be much more ironclad in what is negotiable and what isn’t. Legitimate private lenders will generally have negotiable
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Understanding Artificial Disc Replacement

Spinal care is more important than many people nowadays may even realize. If you think a great deal about your spine, then you may be familiar with artificial disc replacement as a concept. Spinal discs are similar to many different parts of the body in that they’re vulnerable to fatigue with the passing of time. Injuries and repetitions are just two examples of things that can contribute to the tiring out of these otherwise sturdy discs. If you experience a substantial degree of degeneration, then it may make your vertebrae or discs move. Routine exercise sessions can often help this situation. The same thing applies to physical therapy. If you discover that your degeneration dilemma is particularly severe, then exercise and physical therapy may not be adequate. Surgery may actually be the superior pathway for you.

Doctors often determine that disc replacement surgery is optimal for people who have spinal disc troubles. Artificial disc replacement can be beneficial for individuals who wish to avoid spinal fusion operations. Spinal fusion involves connecting a pair of vertebrae as a means of eliminating disc pressure and keeping movement at bay. Although fusion can often help disc difficulties, people sometimes do not consider it ideal. This is partially why artificial disc replacement is becoming a force to be reckoned with all over the map. While spinal fusion previously was the standard, things may be changing rapidly.

The Advantages of Artificial Disc Replacement

Artificial discs are made to emulate spinal discs that function optimally. That’s how artificial disc replacement can lead to superior mobility. Although fusion operations restrict the movement of the spine, artificial disc replacement does nothing of the sort. It actually promotes flexibility and motion.

Artificial discs may offer longevity. They’re remarkably safe as well. The implantation process isn’t a risky one. The discs themselves are especially resilient and sturdy. Individuals who get artificial disc replacement do not have to think about disc breaking and having to get additional surgical procedures at later times.

Again, artificial discs promote the spine’s normal flexibility. That’s how they can better the functioning of different spinal discs. Fusion operations, on the other hand, can raise the pressure that nearby vertebral discs experience.

Osteopenia is a condition that’s characterized by low bone density. If you have it, your doctor may discuss artificial disc replacement and other treatment options with you.… Read the rest

Why Cremation Is Better Than Burial Services

Though there are a lot of factors that go into deciding what to do with your body or the body of your loved ones after they’ve passed, there is still a significant stigma against cremation services. While each person has the right to handle their respective family’s body however they choose, and more people are beginning to take cremation more seriously, it’s worth taking a serious look at the benefits offered by the service and why it’s objectively the better option, not just for you, but for everyone else as well.

Reason #1. It’s Cheaper

This, for many people, can be all the reason they need to look into cremation over funeral burials. This is because, while it may not look like it, burials are a very expensive procedure. It’s actually a bit insidious when you think about it.

Regardless, even if you factor in the full memorial services that one can expect to have with their funeral, there is virtually no comparison between cremation and burials. Most places can cost between $700 and $2,000 for everything while even the most basic of burial services will range between $5,000 and $10,000, with potentially much more included.

Certain crematoriums like Arlington Cremation Services (arlingtoncremationservices.com) offer incredibly reasonable rates as well as a number of different services, all starting around $800.

Reason #2. Greater Flexibility

After price, the next biggest benefit to cremation is the fact that it offers a greater degree of flexibility compared to burial services. In most instances, you expect the burial service to just be a burial service. On the other hand, if going through a cremation service, you can keep the ashes with you in an urn, keep them at a funeral site, release them as per the person’s wishes, use them as fertilizer for plants and trees, or even have them condensed down into a diamond. These are all an extensive variety of options that simply aren’t available to those buried. Not only are many of these options cheaper, but they can often result in a greater sense of emotional closure for all parties involved.

Reason #3. Environmental Benefits

One big area that is rarely touched on is the fact that burial services, while expensive, are also environmentally unsustainable. From the various embalming chemicals used, the different materials used to construct the caskets, the amount of fuel used to transport the casket to the burial site, and the different pieces of machinery used to dig up the site and lower the casket down, there is a tremendous amount of negative impact done to the planet.

Cremation not only is a relatively smaller impact on the environment, but if you opt to plant the ashes with sprawling trees, you are ultimately benefiting the planet as a whole, something that is much more immediate compared to the slow and arduous process done with burials due to the embalming procedures.… Read the rest

5 Tips for Finding the Best Real Estate Lawyer Los Angeles

Finding the right real estate lawyer is a big decision. After all, this is someone who will help you navigate the complex legal process of buying or selling a home.

The best real estate lawyers are skilled and experienced in helping their clients negotiate the tricky world of real estate law. They can also help protect you from legal issues that could arise during your transaction, like fraud or title defects. Here are tips for finding the best real estate lawyer Los Angeles.

1. Do a Background Check

Before hiring a real estate lawyer, you should do background checks on their background and experience. You can look up their website or call their office to ask about their legal experience and qualifications. You can also ask other clients and colleagues of theirs about their experiences with them. If they have any complaints, try to get more information before deciding whether or not to hire them as your lawyer.

2. Look at Reviews Online

Many lawyers have websites where they list their services and offer information about their experience and qualifications. Some also provide testimonials from clients who were satisfied with their work – although these should be taken with a grain of salt as anyone can post positive feedback about their favorite law firm online today! You can also check out review sites like Yelp or Avvo, where past clients have shared their opinions about various law firms in your area. This is a great way to get an idea of what other people think of the attorneys they used before deciding on one themselves.

3. Credentials

Any attorney practicing law in California must be licensed by the State Bar of California and belong to the American Bar Association. You can check for this information on their website or call them directly at 619-338-1100. In addition, you can also find out about their education and experience by searching for them on sites like Martindale Hubbell or FindLaw. You can also request a copy of their resume directly or from their website if they have one available online.

4. Experience

You should ask yourself what kind of experience you want as a real estate lawyer in Los Angeles? Are you looking for someone with extensive litigation experience or someone specializing in transactional matters? If so, then it would be best if you were able to narrow down your list first before making any inquiries with potential candidates, as this will make things easier for everyone involved as well as save time and effort on both sides of the equation, which is always a good thing when dealing with an attorney.

5. Fees

Ask what fees are involved in hiring an attorney before deciding on one person over another. Some lawyers charge flat rates while others charge by the hour, so you must know exactly what you’re getting into before signing anything official!

Final Word

Real estate law is an ever-changing field, with new laws and regulations being introduced yearly. Even if you are not a first-time home buyer, it’s important to ensure that your attorney is up to date on current real estate law to give you the best possible advice. This post has covered tips for finding the best real estate lawyer Los Angeles.… Read the rest

When Should You Get A Tax Attorney?

While it may be easy to not realize this, but not all attorneys are the same. A criminal, civil, business, and tax attorney, while all trained in the law, are all separately specialized in their own respective legal fields. This means that if you need help with your taxes, you need a tax attorney.

But what does “need help with taxes” mean? Yes, certainly filing with an attorney works, but there are other reasons as well to seek out a legal expert. Below, we’ll go over all the reasons why you’ll need legal representation as well as some viable options to consider based on your area.

Reason #1. When Starting A Business

One of the more obvious reasons that many people don’t actually think of, starting a business is not as simple as just saying so. There are a ton of tax and legal considerations that must be taken into account or else you can be on the hook for some serious amounts of money.

Reason #2. When Buying Or Selling A Business

Another big reason to bring in a tax attorney is when you are in the process of either buying or selling a business from or to someone. Tax attorneys are great as they help you understand what your options are so that you don’t have to pay a considerable amount of capital gains on your sold business or its later acquisition.

Reason #3. When You Have Back Taxes

Probably one of the biggest reasons to ever need a tax attorney, regardless of your business status. If you owe back taxes, a tax attorney can not only ensure you aren’t suffering or dealing with jail time, but can even potentially help work out an agreement to reduce the amount owed. Simply put, if you’re in the hole with the IRS, a tax attorney can be that single solitary lifeline to be your ultimate salvation.

Where To Find A Good Attorney

Though understanding what you need them for is important, it is even more important to understand where to find one. Just as there are a lot of attorneys out there that you don’t need, there are also tax attorneys out there that just aren’t good. You need to find a qualified expert in the field that knows how to handle your issue effectively and at a reasonable price.

An ideal example is the Dallo Law Group. This Orange County tax attorney firm is filled with skilled and expert legal attorneys that know how to tackle even some of the toughest and most difficult legal challenges pertaining to taxes.

To learn more, visit dallolawgroup.com… Read the rest

Tips To Keep In Mind When Finding A Dog Daycare

Dogs are not just mere pets; they are a part of our lives and families. Therefore, we are responsible for ensuring they are healthy, surviving in the immediate environment, and are healthy. This underscores the importance of selecting the best daycare for your dog. This is true if the daycare will be a part of your dog’s daily life. So, where do you begin? How do you ensure that you choose the right daycare for your dog? Read on to find out what you should consider in finding the best daycare for your dog.

1. Tour The Daycare Facilities In Person

Call or email the daycare and schedule a visit to their facilities. You’ll have a chance to scout the facility and feel what a day in there would be like for your dog. You will also have an opportunity to clear your doubts by asking more questions. Keep an eye out for proper gating, good ventilation, solid fencing, and safe floor surfaces.

2. Ask Whether The Dogs Are Appropriately Grouped

Do the daycare staff separate the dogs by age or size? What is the basis for separation, play style, or temperament? Or both? If the daycare doesn’t separate the dogs, you might want to continue your search.

3. Inquire About Staff-To-Dog Ratio

IBPSA recommends that one person should care for 15 dogs to ensure safety. However, depending on the dogs’ activity levels, IBPSA makes some allowances. For instance, if the dogs are more active, they might require more supervision, meaning more staff, and the reverse is also true.

4. Ask Whether The Daycare Follows A Schedule

Does the daycare staff follow a schedule when your dog comes to daycare to allow it to adjust? Are there structures for playtime? Most daycare facilities have supervised periods of rest for the dogs between playtimes. This ensures the dogs aren’t dehydrated or too exhausted.

5. Learn The Daycare’s Toy Policy

Dogs might be susceptible to resource guarding, including the most well-rounded ones. Hence, they might show aggression when another dog or person gets close to a resource, for instance, a toy they think is theirs. Does your dog have such behavior? Ensure you inform your staff to ensure they can watch out and safely prepare to handle the situation.

6. Ask About Temperament Or Trial Test

Dogs are different, and not all are cut out for daycare. A good daycare should have a trial run to ensure that your dog adjusts okay. The daycare might also require a temperament test to ensure the dog is suited to the facility’s routines and being in the company of others.

7. Inquire About Staff Training

Do the staff have the experience of training or working with dogs? Does the daycare facility offer additional training to its staff on handling the dogs safely within a group environment? Every dog has different needs, meaning that a good facility should offer continuous training to its staff. This ensures the staff is ready to handle any scuffles when they break out.

8. Does The Daycare Have An Emergency Medical Care Plan?

Besides having the training for correctly and safely administering first aid, the daycare facility should have a plan for where to go or what to do if one of the dogs needs emergency care or a vet. This is critical because no one can preempt emergencies; you can only be ready.

Choose Puparazzi Pet Resort & Spa

After analyzing the dog daycares available near you, choose one that you feel more confident leaving your dog under their care. Ensure your dog is having a good time. If you … Read the rest

How Sweat Proof Undershirts Work?

Excessive sweating can be problematic for people who like to socialize more. Most people have excessive sweating in their underarms. It can stain the cloth in the underarm area. When you lift your arm and people see the yellow strain, it can embarrass you. Many companies are using advanced technology to introduce a new type of undershirt that can prevent yellow stains. It is better to learn about sweatproof undershirts before you go to buy them. Most companies claim that they make the sweatproof undershirts by using patent technology. They may use different materials but the basic principle of these shirts is similar. We will give you detail about three layers of fabric that are responsible for the sweat proofing effect.

Inner layer

The inner layer has to remain in contact with the skin. Companies cannot use a harsh fabric to make the inner layer of the undershirts. Most of the companies use a hydrophobic material that is softer than the middle and outer layers. The inner layer will not allow the water to escape to the outer layer. You have to rely on the company’s reputation if you want to get an undershirt with a high-quality inner layer material. Thompsontee com is one of the most popular places to buy undershirts. They have shirts with the best quality inner layer.

Middle layer

The middle layer has the most intense hydrophobic fabric. It will not allow the moisture to escape to the outer layer. Some moisture can escape from the inner layer because of the soft material. There is no need to use the soft material in the middle layer. Companies are trying to make a perfect undershirt that can prevent water leakage to the outer layer without trapping the heat. The middle layer also functions to allow the heat exchange between the environment. If the middle-layer does not allow the heat to escape, it can increase the body temperature and produce more sweat.

Outer layer

The outer layer is responsible for the appearance of the undershirts. It is not suitable that the company use a rough-looking material for the outer layer. Most companies are using soft to touch material that allows heat to escape easily. If you are looking for the undershirts with the best quality fabric in all three layers, you can visit Thompsontee.com. They use the best sweatproof material in undershirts to help you with yellow stain prevention.… Read the rest

What is Human Marketing about?

One of the main concerns in each company or brand must be efficient treatment and communication with consumers; thousands of brands are dedicated to implementing really good and profitable marketing strategies daily.

However, how many of them are committed to developing a relationship of empathy with the consumer? That is why we want to talk to you about Human Marketing, which is a trend in recent years.

Well, it is a more human type of marketing, between people or equals, whose beginning and end are people within product transactions and is based mainly on respect and the preferences or tastes of each individual.

The role of consumers in the market is really key. That is why we must give the appropriate value to each one, which translates as an opportunity to understand consumers’ approach. At the same time, your investment generates good results.

As you can see, it is a win-win strategy in which the company gives value to a brand while betting on the consumer, even a consumer who has not been interested in it.

Within Human Marketing, the focus is not the brand, as many of the strategies known so far. Still, this time the focus is to execute strategies for humans: a different, unique, rational individual with diverse tastes.

Why is this type of marketing profitable?

As we mentioned before, it is not a strategy in which total attention is invested or paid to a product or brand. Instead, the bet is made this time by the consumer using technological advances that analyze the behavior of the human being to apply innovative techniques and reach consumers for better results.

Human marketing comes to the fore in an environment where consumers live constantly interacting with machines, that is, smartphones, tablets, computers, and machines; that is why this proposal has a much greater value and represents a profitable strategy where incredible consumer experiences through personal treatment that keeps them coming back for more.

An interesting strategy

This type of strategy is one of the most interesting of the new era, where large companies have decided to change the treatment they had with consumers to place customer service machines in their place.

But within this strategy, the machines are not the only thing involved, but it also has to do with the treatment that employees receive and that guarantees them the recognition of their work with a suitable environment, pleasant work experiences, and adequate remuneration for their job that allows them to establish ties with consumers and that they feel empathy.… Read the rest

How to Find the Simplest Way to Hang Curtains

When you are a person who is extremely busy and who does not like to have to fuss with a project for a long time, then you will be pleased to know that you can indeed hang curtains in a simple manner that is free of hassles when you use products from kwik hang. Thus, we will mention some information about the simplest way to hang curtains for your convenience.

1 Look for quality material

When you are looking for the simplest way to hang curtains, then you need to ensure that the items that you use to hang the curtains are made of quality material. This means that items will be up to the challenge of supporting the curtain rod well. Thus, you will be pleased that the brackets that are produced by kwikhang.com truly make hanging your curtains easy. The brackets are made of solid steel with a sleek design to ensure that the process of having curtains will always be a simple task for you.

2 Easy process for installation

It is also important for the process of installation to be easy to perform when you desire to hang up curtains with as little effort as possible. The good news is that the brackets that are produced by kwik hang that are to be used for hanging your curtains do indeed offer a process of installation that is relatively easy. This is due to the fact that there is no need for the usage of a drill or screws when you desire to attach the brackets to the wall. All you will need is a hammer and the nails are included with the brackets. Thus, it is simply easy to nail the brackets to the wall and then place the curtain rod on top of the brackets for the simplest process of hanging curtains every time.

3 Correct size of rod

Do be mindful that the brackets that you buy to hang your curtain rod do not include the curtain rod. This means that you must buy your curtain rod separately. But when you are buying your curtain rod, do be sure that it will coincide with the measurement of the diameter of the curtain rod that the brackets are able to support. Thus, it is imperative to have the right size of curtain rod in order to ensure that the process of hanging your curtains will go smoothly without any problems.… Read the rest

How Regenerative Medicine Works

Regenerative medicine is a promising field that focuses mainly on replacing the damaged tissue or organs instead of just treating the symptoms. It boosts your body’s natural healing process and helps it heal better. When it is combined with standard medicine strategies such as physical therapy it can eliminate pain, regenerate joints, and even help you avoid surgery. If you are interested in knowing more about this medical field and its techniques such as stem cell therapy Los Angeles, keep reading.

How Regenerative Medicine Works

The main goal of regenerative medicine is to restore the structure and function of damaged tissues, even if the damage is permanent. It focuses on these techniques:

Tissue Engineering

Regenerative medicine focuses on healing organs or tissues that are severely damaged, therefore no need to replace the whole organ. One of the strategies they use is tissue engineering where they implant biologically compatible scaffolds in places of your body where tissue needs to be generated, the scaffold has to be in the geometric shape of the tissue and be capable of attracting new cells in order to speed up the regeneration process.

Cellular Therapy

This strategy is done by using stem cells, they are the building blocks of our cells and trigger the healing process as well as reconstruction of the tissue under the right circumstances. It also stimulates the release of growth factors and other natural compounds that decrease inflammation, thus reducing pain.

These cells are collected from different parts of the body such as umbilical cord tissue of living newborns, bone marrow, skeletal muscle, dental pulp, etc. Scientists are working on refining the methods of harvesting stem cells such as stem cell therapy Los Angeles and injecting them into the damaged tissue.

Medical Devices

In some cases, the organ fails or there is a disease that doesn’t allow it to function properly. When this happens, it is necessary to transplant the organ to the patient but this strategy has many challenges such as the availability of finding a donor, the immunosuppression drugs that the patient must take and have serious side effects, and the method used to support the failing organ while finding a donor. Regenerative medicine is working on replacing the organs, an example of that is a group of scientists who were able to grow human bladder sacs in a laboratory and successfully transplanted them into people. This is just a small part of what regenerative medicine is going to be able to do.… Read the rest