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

… Read the rest

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

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

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

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

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

SMS text message is a common part of internet marketing field. What is the relevance of SMS text message in online businesses? This query is frequent from new comers in online marketing field. At present, SMS text messaging plays a great role in improving profit and sales in online businesses.

Automated message is a common subject discussed in online marketing field. Service dates and renewal dates are generally stored in computers so as to provide sufficient updates to customers via sms text message options. It can help customers to know about the details regarding service dates and renewal options.

Group messaging is one among the best chosen ways by companies to inform their updates and details to targeted customers across the world. This procedure is found to be very effective in promoting sales and service from online sites. At present, small scale to large scale company owners are making use of sms text message options to inform their service updates to needy customers in the world.

Why it is telling that sms text message option can improve productivity and sales in online businesses? This is a common query heard from people. Anytime messaging option is one among the main advantages of sms texting for business. It can be done from anywhere in the world at anytime. Also needy customers can subscribe to concerned sites so as to get latest information as per the need.

Increased reliability between company and customers hold a great role in enhancing sales and service. Sms text messaging option can enhance the reliability between company and customers. Also sms text message option is found to be as the easiest way to enhance sales and service from companies.

Opportunity to send any type of message is a main feature of sms text message options. Both words as well as images are inserted in message options so as to provide sufficient information of updates to customers. Retaining old customers of site is a main thing that needed to be done so as to enhance sales in online businesses. Sms texting for businesses can help company owners to retain existing customers from all parts of the world.

Messaging options to groups allow people of interested subject to get similar messages as per the need. Hence the communication between customers and companies can be enhanced by providing needy sms alerts. At present, many among the corporate companies are making use of messaging options to provide alerts to their customers.… Read the rest

Amazon is an incredible market platform where you can get absolutely everything under one roof. Do you know that the site is also saturated with fake sellers who trade sham products? You could buy them unknowingly and get the shock of your life. Here’s how you can avoid them, read this keenly so that you will not cry yourself to sleep.

The Amazon Brand Registry, what is it?

It might seem like a bombastic word, but typically, it is a measure used to protect a logo or brand name. This way, some weirdo will not take your label and showcase it as theirs. Can you imagine a scenario where you have worked day and night to design a brand then someone steals it? It is utterly unsetting, and I wouldn’t wish this on my worst enemy.

How Does It Work?

Without sugar-coating the process, it is quite a daunting task to secure your brand. You have to undergo a series of steps like those in security checks when you visit the Whitehouse. Further, some countries are only allowed, which makes it even more peculiar. If you are in the US, UK, Spain, Germany, Brazil, Canada, Japan, France, Spain, Italy, India, and Mexico, you are eligible. You can term them as the chosen few. The other countries cannot sail in this boat.

After that, you can now describe your brand using all the fancy words that you can get. Don’t go overboard though, because it will throw confusion to your clients. You need to be clear and precise about your line of products.

You can add some life to the brand by uploading high-grade images. This will be easy because you are the design master. Make it looking super appealing to lure customers. You should not upload scary signs because it will petrify your customers. I don’t need to open your items only for me to scream my heart out. I’m sure you have seen those creepy labels. Please don’t give your clients a heart attack.

It gets interesting with Amazon Brand Registry since you can search for logos that are similar to yours. How cool is this? It means that you can keep tabs on people who are trying to copy your original sample. Then, you can report them to Amazon after gathering concrete evidence. Here, you will be an FBI agent disguise which gives you an adrenaline rush.

The highlight is that you can check on how customers rate you. For this reason, you will know if you are doing well and apt yourself on the back. If not, pull up your socks for more sales.

Bottom Line

The Amazon Brand Registry is worth it if you are into business. Digitization has created people who get smarter each day in forgery. The last thing you want to do is lose your name to someone who didn’t move a finger to help you establish your style. You need to guard your brand jealously as your life depends on it. It is worth your time.
… Read the rest