Category: Blog

When it comes to the world of loans, there are many misconceptions when it comes to hard money loans and San Diego hard money lenders.

Let’s clear some of them up. We’ll start with a basic definition—a hard money loan is typically financed with real property, and the interest rates are usually higher than other property loans. This is because of the short duration of the loan, which often makes the transaction riskier.

While it is true that hard money loans are similar to bridge loans, there are differences.

Bridge loans are usually applied to investment or commercial properties that don’t qualify for regular financing, but hard money loans are often applied to situations of financial stress. These can include the owner being falling behind on mortgage payments, or situations where bankruptcy or foreclosure procedures have been initiated.

Because of the high risk and high interest rates, the terms imposed by San Diego hard money lenders may be fairly strict. The amount that can be given out is usually figured out using a ratio of the loan amount divided by whatever the value of the property is determined to be. This number is known as the loan-to-value (LTV), and some hard money lenders may give out up to 65-75 percent of the value of the property.

The term “hard money” has an interesting history of its own. Its usually only used in the US and Canada, which are the two countries where this type of loan is the most common. The practice began in the late 1950s, when many new laws were applied to the US credit industry. Hard money loans are typically unregulated by state and federal laws, although usury laws against especially high industry rates may be applied.

Hard money lenders will almost always use the LTV before applying any extension of the financial terms. This is because the basis of the loan is the eventual liquidation value of the property that forms the backing of the loan.

Because of this restriction, hard money lenders will figure out the value of the property using what’s called a broker price opinion, or BPO. Some hard money lenders use an independent appraisal from a licensed appraiser in the state where the property is located.

If you are going to consider a hard money loan, its important to ask as many question as you feel are necessary about the terms and … Read the rest

When you want to adopt a dog, you probably have a fairy tale image of how nice it will be to have a pet in the house. Dogs are not always easy, and they require more work than cats. Before you ever adopt a dog, you should look at all five tips below. You determine if you even need a dog at all, how to handle the dog, and how to help the dog thrive. If you cannot manage these five tips, you may want to wait to get your puppy.

1. Are You A Cat Person?

You should not get a dog if you are a cat person. Cats are easy, and they often take care of themselves. Plus, cats do not need constant attention. Dogs need constant attention, and they must be trained like a child. You need to get the dog to go to bed at the same time every night, and you must keep the dog on a strict schedule.

Moreover, you need to walk the dog so that they can go to the bathroom, and you need to get them to exercise. If you are a cat person, you may want to stop before you even go to the shelter.

2. Can Your Kids Handle The Dog?

When you have kids, you might have these grand illusions of your kids taking care of the dog. Yes, your kids can do some things to take care of the dog, but they cannot do everything. For this reason, you must make sure that you have a plan for managing your pets. You do some things, and your kids do some things. If you trust your kids to take care of everything, you will be bitterly disappointed.

3. Do You Need The Dog For Self-Defense?

One of the best reasons for a single woman to get a dog is self-defense. However, you need to know that you can handle the dog. Many tiny women get very big dogs, and they are actually too small to handle a big dog. You can get a dog that is a manageable size, but that dog is still capable of mauling your attacker if needed. Plus, a moderately-sized dog can bark loud enough to scare an intruder.

4. Do You Have Dogs Or Cats Already?

Cats are very territorial, and they should be introduced to dogs slowly. If you get a cat … Read the rest

For your pool to be nice and functional, you need to maintain it properly. The quality of the pool does not depend on the size or depth, but on how the pool is equipped and how you maintain it. For the pool to be bacteriologically and visually clean, it is necessary to maintain it regularly.

Swimming pool maintenance includes:

• Washing and polishing the pool;
• Swimming pool service;
• Water treatment;
• Expert advice.

Tigershark Leak Detection is a pool service in Los Angeles. For many years, their team has been very successful in building, equipping, and maintaining both private and public swimming pools. This pool service company offers you swimming pool maintenance throughout the year, wherever it is located.

Pool service will help you maintain your pool properly as they can determine if the pool is leaking. Pool leaks occur at:

• The building elements themselves (walls, the floor of the pool);
• On damaged waterproofing;
• On the water filtration equipment itself.

Damaged waterproofing is the most common cause of pool leaks. This is a very common problem with swimming pools that were built many years ago using old techniques and materials. This problem can be easily solved and re-enable the use of the pool without interruption.

Certain technical solutions can “revive” a dysfunctional pool and give users unhindered enjoyment. The leakage of the pool is solved by removing the old filtration system and re-lining the pool to prevent re-leakage. The floors and walls of the pool must be concreted at once. Waterproof concrete is used for insulation. Each leakage intervention prom the pool is preceded by the removal of incoherent sections of concrete. Dust is removed by flushing with pressurized water to keep the substrate compact and resistant. In other words, it intervenes on a clean concrete base. Universal waterproofing material is used to repair the leakage of the pool, as it is extremely elastic and fits concrete surfaces.

The efficient waterproofing of the pool is achieved by applying a solid waterproof cement mortar to the walls and the bottom of the pool. This mortar also acts as a waterproof and leveling layer. This gives us a smooth, stable, and waterproof substrate that we need to apply the epoxy coating. The cement mortar becomes waterproof by adding a waterproof additive.

It is very important to find out on time whether the pool is leaking because repair will cost you less if the … Read the rest

Our surroundings deeply affect the way we feel about ourselves and the World, so it’s ever important to maintain it clean and presentable.

On the long run, it’s very easy to start stacking up piles of unwanted things around, to which we often refer as junk.

Junk can become a disease affecting your sweet home, your garden or property. It’s therefore important, that you trust that after a certain point, you contact professionals to assist you solving the issue such as those available at thejunkguys.com

As much as sometimes you believe you could do it on your very own, often the accumulation of junk is so far beyond our control that it is best to leave it to specialists that will, without any emotional attachment or judgement, ensure you can find your surroundings clean and tidy once again.

Some items are simply put too hard to clean, whether because their weight or composition make it an inglorious task or because its transportation and disposal make it impossible to even consider.

Our specialists at thejunkguys.com are well-prepared to deal with all types of materials and dimensions, adjusting to your needs as difficult as they may appear to you.

For situations such as those where you simply don’t know how to get rid of clutter, debris, concrete or rocks, we at thejunkguys.com will pick it up and leave your property practically as new. That excess debris from remodeling poses no problem for us. The old shack you need to tear down and dispose of is part of the jobs we are trained to do.

Consider that specialists in junk removal such as us will save you time and money overall, providing a service that is both efficient and professional.

You won’t need to gather the materials yourself, transport and dispose of them in the appropriate manner – we will do it for you!

At thejunkguys.com you will find solutions that will ensure all your needs are covered and your junk is picked up and disposed of promptly.

Do give yourself the gift of living free from junk with minimum hassle. Trust a professional to do that job for you and enjoy the benefits of the great rates and service of thejunkguys.com

Our vast experience and valued costumer feedback ensure that your property’s best days are yet to be seen and your junk-free life is much more pleasant now than it used to be.… Read the rest

If you’re looking to instantly enhance the appearance of your face or have a nose job done to help improve with certain medical conditions or poor breathing, a non surgical nose job is one of the many options that might work for you. If it is not a major problem that has to be dealt with, through a surgical procedure, a non surgical nose job might be a way to help improve the aesthetic appearance of your face, help improve breathing, or otherwise help straighten out any deviations in your nose and facial appearance. 

Why do a non surgical procedure?

A non surgical nose job is a great way to achieve the many benefits of a nose job, without having to go under. Some benefits include

• Improve the aesthetic appearance of your face and nose
• Help enhance facial features
• Help improve breathing or other medical conditions if your nose is obstructing breathing/air passages
• Avoid lengthy recovery times

You don’t have to worry about extremely long procedures, swelling, or other common issues, that often turn up with surgical procedures. And, non surgical solutions, are far safer and do not come with nearly as many complication as having surgery would include.

Non surgical solutions

There are various fillers that might help improve the appearance of your nose. These can help to

• Resolve drooping tips
• Help improve the bridge/natural balance of your face
• Help remove or minimize the appearance of bumps on the nose or around it
• Help enhance curvature and enhance your overall facial appearance

Furthermore, you don’t have to worry about cutting, stitching, or the long and rigorous recovery period, that is often associated with a rhinoplasty or with other major surgical procedures. And, it is a much safer alternative that will help enhance the appearance of your face and nose, in no time at all. 

Choose the right surgeon

As is the case with any medical procedure, you want to ensure you pick the top surgeon for your non surgical nose job. So, you’ll want to take some time to read reviews, learn about the work they do, their experience, and possibly find online ratings about them. All of this will help you choose the top specialist to do the non surgical procedure, and it is also going to ensure that you are going to be happy with the outcome of the work they do, if you choose to undergo … Read the rest

The passing of a loved one is a terrible and sometimes stressful event. Along with the many things to do, deciding what becomes of the deceased body should not cause an issue. The costs of funerals today are on the rise, not to mention the costs of a decent casket for your loved one. The process of finding a good memorial service company is also difficult. Low cost cremation services solve all of these issues.

The average cost of a funeral today can climb sharply. This makes the idea of a low cost cremation enticing for someone looking for an inexpensive way to get funeral services. With a standard funeral, there is the cost of having a memorial service and a viewing, an expensive casket, embalming and cosmetically preparing the body, and a funeral plot. Most often graveside services are held with a pastor, family members, and friends of the deceased. There is none of this with low cost cremation services. 

Low cost cremation services are options more families chose for funeral services today. However, it is important to know what services are included in a cremation package. Cremation centers are different when it comes to their pricing. It pays to shop around before choosing one. Always ask for a price list of their packages, know what you are getting in the package you chose, and look out for hidden fees that could be costs from third party services. 

Cremation services with a funeral beforehand are the most expensive. When the memorial service is held afterward the cremation costs are less. A direct cremation service is the least expensive of all low cost cremation options. Direct cremation services are when there is no funeral service and the deceased is cremated right after death. Like all low cost cremation options, direct cremation does not require a casket or any embalming and cosmetic preparations. You do have to buy an urn for the ashes of your loved one though. Urns can either be simple and low cost, or extravagant and quite expensive, depending on your individual taste. 

Planning a funeral for a deceased loved one is an emotional task. The best way to handle the process is to tackle it with a clear and informed mind. Always research the options you chose for your loved ones remains. 

Low cost cremation services are a great choice for families looking to save money with … Read the rest

When it comes to your BMW, you want to find the perfect touch up paint company to do the job when you need a touch up. Whether you require a distinct set of BMW M4 colors for your custom car or need to fill a small spot where the paint job has begun to fade, Touch Up Direct can perfectly match your car’s paint color precisely. 

The Perfect Match for any Color – 

From custom paint jobs, to rare BMW M4 colors, you want your car to look its best when you are having it touched up. With custom mixing, dedication to great customer service, and the highest quality paint in the industry, Touch Up Direct has the right match for your luxury vehicle. With color match guarantee, the company strives to provide you with the exact color to touch up your BMW, to ensure the touch up looks exactly like the original paint job. 

Matching Service Guarantee – 

Touch Up Direct offers customers a perfect color match guarantee. If you can’t find the right color, the team can custom create the perfect blend, to ensure the paint you order to touch up your car, is going to match perfectly with the car’s original paint job. With your BMW, you also want the highest quality paint. You don’t want something that’s going to chip or crack after application, or paint that doesn’t dry evenly. Touch Up Direct guarantees the quality, precision, and perfect match guarantee, so you don’t have to worry that the touch up services, will appear like an after-market job. 

Why Choose a Reputable Company? – 

When selecting the BMW M4 colors to touch up your BMW, you want to choose a highly rated company, which is what you’ll get with Touch Up Direct. Some reasons to choose a company with great ratings include

– They guarantee the quality of their services

– Color match guarantee

– Durability and longevity (the paint touch up will last)

– The best formulas are used, from the best manufacturers to create the touch up paint you order

– You’ll find the right painting tools and accessories to touch up your BMW, so that it looks like the job was done by a professional detailer. 

There’s no shortage of options to choose from when ordering touch up paint. If you want the best quality, color match, and product guarantees, Touch Up Direct … Read the rest