Hard Money Lenders – Who Are They and Where Are They?

Hard money lender specialize in short-term bridge loans, sometimes called swing loans and are based primarily on the value of the subject property or collateral offered. Some properties types considered by some of the leading hard money lenders in today’s tough economic environment would include: Multifamily apartments, Retail Centers, Self Storage Facilities, Raw Land Loans, and Mobile Home Parks.

Short term bridge loans are usually written to accommodate a gap in financing or used until more traditional bank financing can be obtained or sale of the property occurs. Typical terms last no longer than 3 years. Because you are dealing with private individuals or groups of high net worth individuals and not a traditional bank, bridge loans are expensive. However, you will be trading a higher cost of the money for the speed and flexibility of a non-traditional lender.

The terms offered can vary from lender to lender but, usually the more comfortable a particular lender can be with the applicant and the collateral the better the terms will be. Generally lenders will loan up to 60 to sometimes as high as 75 percent of the property’s value.

Bridge lenders get you money FAST. It is typical to close within a few days or weeks as opposed to months with the banks. However, fast money can sometimes make the difference of taking advantage of a business opportunity or losing your property to foreclosure.

The application process for a bridge loan varies from lender to lender however, it’s safe to assume the more information available from both the property and the individual the better your chance are of being approved for a bridge loan. Some items on a lenders checklist may include purchase agreements, personal and business tax returns, bank statements, profit and loss statements, credit reports, financial statements, rent rolls of the property, existing leases or intent letters from potential tenants, and most importantly a detailed and believable exit strategy.

Where do you find reputable hard money bridge lenders? Best advice, if you have not had a personal experience with a hard money lender or knew someone that can personally refer you would be searching the web for “Direct Money Lenders” and are sure to include the property type you are seeking financing on in the search box.


Master Swimming Instructors: Keep Your Voice, Let the Others Go Hoarse! Part One

Today, I am going to talk about a swimming instructor’s voice. As many swimming professionals’ careers are cut short because of over use injuries of the vocal chords. It is rare to find someone in our beloved aquatic industry that has lasted 10, 20 or 30 years on pool deck. Lifeguard certification We have some; “masters” of our profession that we need to model and I will guarantee each and every one of them has followed successful strategies for avoiding vocal abuse.

Often working outdoors, cooling off in the pool, getting a tan and instructing and enjoying your student’s company looks very appealing to outsiders but make no mistake, swimming teaching & swim coaching is a very stressful job and places enormous stresses on your body, particularly your voice and skin. You may be lucky enough to have a senior swimming teacher or manager mentoring you, with tips to saving your voice however I was not so lucky; I had my first throat operation at the tender age of 34, whilst I was working as a swimming and aquatic instructor and literally was off work recuperating for over 12 months .

“Typical educator overuse” I was told by the specialist. I had the vocal chords of a sixty year old and was given a huge wake up call. Change you behavior or risk having no voice at all by the time I was forty. So my journey to nurturing the old vocal chords begun. I would like to share with all swimming and aquatic educators the Do’s and Don’t’s.

Now you might be thinking, my voice is OK, so I would like you to honestly answer the following questions, tally up your yes answers.

Let me ask you to quickly fill in this survey?

Do you talk for prolonged periods on the phone?

Do you talk very fast and often forget to breathe?

Do you work in a noisy environment? Do you have to raise your voice to be heard?

Do you smoke, drink excessive amounts of alcohol?

Do you drink sugary drinks like Coke or Fanta?

Do you sometimes forget to drink during your swimming classes?

Do you sing and use varying tonality during your classes?

Do you find yourself whispering or repeatedly clearing your throat, when your throat is sore?

Do you raise your voice and vary your voice tones when you are angry?

Do you find your neck and shoulders tense at the end of the day?

Here’ s the thing, as a swimming teacher or aquatics educator if you have answered yes more than 3 times, then you may be at risk of suffering from voice abuse in the future.

Now, I could certainly tell you rest, relaxation, yoga, a healthy diet and lifestyle and continuing to drink lots of water will help, but as swim teachers, these are covered in our basic training. I now, even advise all swimming teachers and coaches to having singing lessons, as part of their personal and professional development. Lifeguard certification It’s interesting how many of us do not use our diaphragms correctly when we speak.

In part two, we will focus on what you can do whilst continuing on swimming teaching and operating at work. If you know other swimming professionals, who could use this knowledge, please, with my blessing, pass it on. Who knows wouldn’t it be wonderful to have more “masters swim teachers out there, with their voices intact” over the next few years.


Is It Really Worth The Money To Buy Fashion Magazines?

If you want to stay on top of the latest fashion news then you may want to buy and read the latest fashion magazines. These are often full of all kinds of fashion tips and advice as well as beauty tips. This is one reason why many people buy these fashion magazines every month and some even subscribe to the RSS feeds of fashion websites.

As far as deciding whether or not you should buy these magazines there are numerous things to consider before doing so. If you are on a very strict budget you may be limited on how many of these magazines you can buy and how often you can buy them. They can cost as much as ten dollars each so this can add up to a hefty sum if you buy several a month. In addition, the tips and suggestions that are found in these magazines are not cheap to put into action in many cases so you also need to know whether you can afford to keep up with the latest trends you read about.

With the availability of the internet you can also find many of the same fashion magazines that are in print online. If you have internet access then I highly suggest that you look for the fashion magazines that have put their magazines on the internet. You will usually find the same information online that you do in the print versions except you will probably see fewer ads. Also the information is often more timely as it is easy to keep things up to date online as opposed to print.

There are many sub-sects of categories of fashion trends that you may want to look at or at least have a knowledge of. There are the modern fashion trends which are changing on a weekly basis sometimes and then of course there are also the trends from the 80s, the Goth look, the skater or surfer look. online fashion magazines will often focus on one of these particular trends where the print versions normally only a small portion of the market and only on what is hot at the moment. For those who are looking for information of the trends that go back a ways or fashions that are off the beaten track you may want to choose the internet versions.

One of the main factors to consider when you are deciding whether you should buy fashion magazines is if you can actually implement the suggestions that are in the fashion magazines. Many people actually keep the magazines for a long time while other people may just throw them away after reading. This is entirely up to you and is a matter of personal preference.