Daily Archives: October 16, 2017

Selecting Hard Money Lender – Five Things You MUST Know

Finding active hard money lenders may require some research, because they’re not nearly as obvious or numerous as conventional lenders. Many only lend money in their immediate geographic areas in order to be able personally visit properties before making loans. Check with mortgage brokers, because they often represent some hard money lenders. You can also find hard money loans through newspaper ads and on the Internet; but always verify lender credentials beforehand, as you should before working with any kind of professional mortgage lender. You’ve decided to get into rehabbing properties. A hard money loans seem to be your best option to fund these ventures. Here are a few ideas and questions to ask designed to help aid your search for a reputable hard money lender, broker, or referring source:

1. Hard Lender Experiences: Ask how long they’ve been in business. How many successful deals have they made? How many collective years of experience do all key people at the company have? Look for a hard money lender that has “direct hard loans lender” in their advertising. It’s a good sign.

2. Industry Connections: How many hard money lenders and investors does this company work with? Go with one who has several funding sources (Hedge funds, Mortgage pools, Private Equity Groups, etc.). The more connections they have to direct hard money lenders with ready cash, the faster – and better they’ll get the job done.

3. The Commercial Real Estate Market: How is the market in your area? The better the market’s doing, the lower your hard loan interest rates may be. If the market is slow you may end up paying much higher interest rate. Make sure you know the market in your area.

4. Brokers: The Company or referring source that helps you with your search for your hard money loan will have a lot of influence. Make sure they are competent. How? Ask someone who has dealt with hard loans before. Ask your lawyer. Do as much research as you think you’ll need. Hard money brokers will help you shop many investors and lenders to find a loan that works for you.

5. Direct Money Lender: Some hard wholesalers or direct lenders can fund your loan directly. Direct money lenders are a more direct way to get your loan underwritten and eliminate the use of a broker or referring source but, may have to start the application process all over again if you started with a broker. Either way, make sure you are working with a reputable company who has a proven record of success with hard lending.

My Online Business Strategy – How to Break Through the Trepidation – Is MOBS Really the One

When considering any purchase everyone thinks carefully – or at least they should.

What’s more – many people have spent their hard earned cash on Internet Marketing packages, online business systems and other home office based business concepts – only to find they haven’t worked.

So when you consider a purchase of “My Online Business Strategy” then, for sure, trepidation creeps in.

How do you decide if this is the best purchasing decision?

Well, first you can consider the support – much of which started well before the product even hit the shelves. See link below for more details.

Second you can consider the reputation of the creator – Gary Gregory. Gary is a number one Super Affiliate and Google Sniper trainer. He’s been around for some time and has a great reputation.

Third consider me and my site. I wouldn’t be talking about “My Online Business Strategy” if I had any indication that it wasn’t totally supportive of the new and struggling Internet Marketer and online entrepreneur.

From what I’ve learned “MOBS” is something fantastic and wonderfully different from many of the support systems and strategies on the market. It’s focused on user support and perhaps most importantly gives new users support right from the beginning.

“My Online Business Strategy” includes a comprehensive business plan, and full resources to enable new users to get started.

Finally “MOBS” provides a live customer support line – a real person to help.

All this really ensures the “My Online Business Strategy” stands out and leaves in it’s wake the other work-at-home companies, many of which only respond to sales enquires and provide little support after purchase.

It’s quite clear that many companies spend a small fortune on sales copy and marketing – hyping up worthless products. What we all need to remember is, if they spend so much money on marketing and sales copy, they can’t be spending much on the actual system and support which helps you, the customer.

Gary Gregory, is the creator, a successful businessman, who understands the basic philosophy of Internet Marketing. Gary uses his experience to ensure you have the opportunity to succeed – all you need to do is follow “My Online Business Strategy”.

Everyone will want to know more about “My Online Business Strategy” so I have provided a focus for all expert information at . You should go to this site if you want to get started today with advanced preparation, insider information and training.

Visit My Online Business Strategy Expert site above, my personal site, or for more information on MOBS in general visit

If you delay action you delay results – I can help you on the road to online success starting today!

Visit one of my sites now – YES – Just Do it!

What are Anti Aging Vitamins also What Role Do They Play

Vitamin D can be obtained through the sun’s energy. But, not all daylight is effective in providing Vitamin D. Morning hours, preferably before noon, are the best time to require in the sun’s rays. This can provide you with ample Vitamin D that’s healthy for the skin to absorb. In certain cases though, Vitamin supplements are the only option.
As time elapses, our body cells endure a ton of impairment. This can be brought on by free radicals, environmental factors, corrosion, also everyday pressures. Anti aging Vitamins therefore become a essential to replenish the cells. While not these Vitamins, needed power, which is generated at intervals the cells mitochondria, would be diminished. In such a case, diseases that include previous age would be unavoidable. The cells ability to lose dead cells and toxins would be impaired as would the ability to come up with new cells. But, anti aging products that control Vitamins have the aptitude to revivify the cells through provision of compulsory nutrients. Vitamin supplements conjointly control antioxidant properties. These are effective in obtaining rid of free radicals present within the skin cells also body.
Anti aging supplements with Vitamins are deemed in effect after they stupid or stop the degeneration method caused by free radicals. In the identical approach, anti aging Vitamins that enhance cell division are also fundamental. This can be a process that involves lengthening the telomeres placed on the edge of DNA strands. The telomerase enzyme facilitates this extra time, that in turn enhances cell life therefore the body remains recovered also younger. Once the telomeres are unmitigated in length, the cells are improved also cell division multiplied. Beneficial cells cruel that the mitochondrion, which promotes oxidation of fat and sugar to provide power, is utterly working. With satisfactory power, the body is able to retain its verve and continue diseases at bay.
There are quite a range of Vitamins that the body requires. Each plays a role minimizing the consequences of old age and supplementing the body with needed nutrients. Here is reference of certain anti aging Vitamins and the responsibilities they accept to repair the body.
Vitamin B – This cluster consists of Vitamin B6, B12 also folic acid. These are all crucial when you begin aging. Failure to supplement your Vitamin B intake could lead to say no in memory with cardiovascular diseases.
Vitamin D – Although mentioned earlier in the article, Vitamin D is very important for an aging person as a result of it promotes bone health. Bones reduce as part of aging, that makes this Vitamin a essential. Free radicals disposed of by antioxidants, along with a number of different supplements, will help forestall AMD.
Anti aging Vitamins will restore and protect your body to stay healthy for a long time.

Facts Behind The Legalization Of Medical Marijuana

Before marijuana was banned in most of the state, but recently legalized by the government in the process of medical treatment. The government has legalized cannabis, because doctors have confirmed it can be used for medical treatment. There are many ups and downs in the city, when the government officially recognized by cannabis, because, having studied for a long time it was revealed that it is very effective in the treatment of several diseases. If you are looking for Colorado medical marijuana treatment, then you need to do different considerations that are made by the state government. The primary and most important things you need to do are to acquire card processing cannabis. In general, he saw that most people are facing very difficult time getting this treatment, short and pharmacies in their respective state. Here are some basic and essential steps you need to do to get this medical marijuana card in Colorado.

The first and most important thing you need to do to get this marijuana card processing is to consult a doctor and professionals who have baseline medical marijuana. A doctor or a marijuana doctor with his type of patient has medical marijuana. By taking an appointment with the doctor of medical marijuana will run a test to determine if you really need medical marijuana in Colorado. After conducting an investigation and meets the criteria for treatment will give you a written order to be treated in your state. Once you have received the recommendation of a treatment for cannabis, please visit your local health department for processing medical marijuana cards. After completing the cannabis card form of treatment, the health department in your state checks your documents before administering the treatment card.

Generally, not many people follow the rules and regulations issued by the state government and get traps in companies that provide false recommendation of medical marijuana. Most of the time we have seen that people have confidence in the card provider companies simply talking on the phone and ask them to send recommendation mail. They did not even bother to see that the company offers the card is approved and certified. There are strict medical marijuana laws made by the Government of the fake cards and the card provider. If someone is found guilty can be fined or sometimes jailed. Although, to get medical marijuana card processing of marijuana is a smelly process, but for the most effective treatment and still get cards from a reputable company or a licensed physician.

This treatment of medicinal marijuana is effective and gives success to people with serious illnesses and life threatening, such as HIV, multiple sclerosis, cancer, AIDS, glaucoma and muscle spasms or stomach. Depending on the condition of patients, the health professionals providing the treatment program.

Therefore, to obtain effective treatment for residents of Colorado Medical marijuana is forced to take in the acquisition of the medical marijuana card of the state.

Packing your hospital bag What do you need for a hospital birth

Packing Your Hospital Bag What Do You Need For A Hospital Birth?When to pack your hospital bag? Hospital bags are often left to the last minute, as there are so many other preparations required for a new baby. At the end of 36 weeks your baby is full-term so could arrive at any time, this is when you should have your hospital bag packed, if you have not already done so. Where to start? Do not panic. We have compiled a list of essential items for your birth bag; this list is a culmination of midwives’ suggestions and mothers’ feedback over the last 2 years. Do not forget that partners love to be involved. You could delegate some, or all, of the task of putting your hospital bag together while you relax in preparation for the big day. What to pack in your hospital bag? Some people pack a whole suitcase for their hospital births and a few are unprepared and just manage to bring themselves. This list covers the essential items you should take to support your hospital birth and why. There is also list of suggested luxury items afterwards which mothers have found comforting and relaxing to have with them in hospital:

Essential Hospital Birth Bag Items
During Labour
Sponge
For cooling mother during labour
Lip Balm
Thirsty work can leave you with dry lips
Bendy straws
Makes it easier to drink from glasses or cups if you are focussed on labour
Hair band
To keep hair out of your face
Tissues
There wont be a dry eye when your baby arrives
T-shirt/Spare top
Useful for either the mum or the birth partner if their top gets soiled or wet during the birth. After Labour
Nursing Pads
Useful whether you choose to breastfeed or not
Flannel
Soaked in warm water and placed on your perineum after the birth to relieve soreness
Pants
Either cotton or disposable pants which you are willing to throw away after use
Maternity Towels
Absorbent Mat (you can also buy disposable changing mats instead)
Great for protecting the bed, chairs, car seat. Useful for when waters have broken and also to use in the first 48 hours after childbirth. Wash Bag
Toothbrush
Toothpaste
Shampoo / Conditioner
Body wash
Hairbrush
Deodorant Baby Bag
Baby grow
Newborn nappies
Baby hat and mittens
Hooded baby towel
For wrapping up your baby when its first born
Cotton buds or wet wipes
Luxury Hospital Birth Bag Items
Home from Home
Night dress
Which does up at the front so you can breast feed your baby easily
Dressing gown
Slippers Relaxation
Massage oil and massager
Lavender oil
Lavender promotes relaxation and is a popular choice of oil for use in labour. It can be added to massage oil, or to water and sprayed around the room
Music and music player
To create a calm ambience for you to labour and give birth in
And finally…
Dont forget to put your baby seat in the car so that you can take your new baby home safely and start enjoying the new addition to your family.

PTPP get New Contract Rp 9.5 Trillion

PT PP Tbk (PTPP) to new contracts worth Rp 9.5 trillion as of June 2013. The new contract is 2.5 times higher than the same period of the contract in the previous year.

“This acquisition nearly 50% against the target of a new contract this year from Rp 19.7 trillion,” said Corporate Secretary of PT PP Betty Ariana in a statement on Tuesday (07/16/2013).

With the acquisition of this new contract the company’s order book as of June 2013 reached Rp 25.3 trillion. This year the company is targeting sales of USD 10.2 billion with a net profit of Rp 370 billion.

Turnover and profit will be contributed from the five areas of the company’s business digeluri, construction, property, EPC, investment, and production of precast concrete.

Major projects that the company achieved, among others, the Port-Cilegon Krakatau Bandar Samudra, Nifaro Apartments, St Moritz, The Kencana, Cikampek Toll-palimanan, Tunjungan Surabaya Plaza V, Terminal 3 Seekarno Hatta Cengkareng Airport, railway in South Sumatra by PT KAI, infrastructure Sarulla 300 MW power plant in North Sumatra, Banten Intermark apartments and EPC projects Tanjung kitbag 120 MW Combined Cycle Power Plant, 160 MW power plant Bangkanai, and CNG Muara Tawar.

In addition, the company also received a new contract abroad, namely in Tibar Gleno Road, East Timor, amounting to Rp 264 billion.

Major program in the property sector which will begin in late 2013 the development landbank owned by the company, in the form of mixed use on an area of ​​4 hectares in Surabaya and a land area of ​​20 hectares in Jakarta. The target market is upper middle class.

Five Important Medical Advances from the Last 100 Years

With modern medicine, the possibility for a longer life is infinite. Everyone should be grateful to the countless medical scientists, engineers, and physicians for their relentless pursuit for the cures of incurable diseases. 100 years of medical advances has been made, all extraordinary in its own right. But these particular five advances not only brought radical changes to the health industry, but also to the people. >

Cold Laser/ Low Level Laser Therapy (LLLT)
With the emergence of Cold Laser/Low Level Laser Therapy, life scientists stated to the public that they could dramatically reduce people’s musculoskeletal pain, inflammation, and promote tissue repair. Along with Cold Lasers, many pain sufferers as an alternative to chemical or surgical intervention. LLLT will stimulate the cell growth, initiate and promote cell-healing functions to heal these chronic pains:
Carpal Tunnel Syndrome
Chronic back, shoulder, or leg pain
Neck pain
Tennis elbow
Rotator cuff injury
Joint pain in knees, hands, ankles

Heart Attack Prevention with Stent
Countless heart attacks have been prevented by coronary stents. The small flexible tube helped bring the death rate for coronary artery disease down to 40 percent since its introduction to the medical field. Stents are used as props to enlarge vessels narrowed from plaque buildup to once again allow the free flow of blood circulation to the heart.

High Active Antiretroviral Therapy (HAART)
Although scientists have yet to cure the epidemic disease, they have figured a way to help HIV patients survive. Not long ago, an HIV patient had only three to five years to live before the disease ravished their internal organs. But with the introduction of High Level Antiretroviral Therapy, combination therapy, the survival rate is extended into decades now.

Magnetic Resonance Imaging (MRI) for the Body
This noninvasive medical test metamorphosed the physician’s ability to diagnose a patient. Everything from the organs, soft tissues, bones, and all other internal body structure can be viewed with an MRI, an unparallel view of the human body. Detailed images produced by powerful magnetic field and radio frequency pulses have equipped doctors to analyze patients’ medical condition more precisely.

Functional Magnetic Resonance Imaging (fMRI)
fMRI performs the same function as the MRI, but instead of the body, its used for the viewing of the brain. The medical device reads and maps the interworking of the brain function as it is happening. Insights in depression, brain cancer, autism, and memory disorder is the by product of the viewing of working neurons, brain cells, track changes in the oxygen levels, and blood flow to the brain.

The Rudiments Of French Cuisine.

The people living in France love their food and so they have perfected the art of making dishes which not only fill the stomach but also fill the heart of the person who eats them. As far back as the 1500s, it is acknowledged that French cuisine has been impacted by three aspects: 1. The incursions of Celtic Gauls resulted in the partition of land holdings, and the initiation of agricultural operations. 2. The conquering Romans who pioneered cheese making. 3. The marauding Moors who brought in goats to France. The Moorish impact held sway over the ingredients and cooking techniques in France. It is quoted the first French cookery books were greatly influenced by the exotic Moorish flavor. The earliest known groundwork for the present day French recipes has been established as far back as the 1500s. In this period, haute cuisine has been brought to French courts by a woman called Catherine de Medici, an Italian. Down the years, chefs have perfected the art of this style of cooking. The Italian inspiration has greatly changed French culinary recipes, the techniques, ingredients, and serving style. The Medici cooks brought about the use of butter, truffles, artichokes, innovative dishes, and cooking styles. The distinction between spicy and sugary dishes was also pioneered by them. In the year 1652, French culinary recipes progressed to using mushrooms, truffles, and spices to set off and enrich the flavor of food. The classical thick sauces gave way to delicate stocks and sauces, whereas meat is usually served in its own juice. At that time, a French cook called La Varenne, authored the first cookery book on French cuisine, with dishes listed alphabetically, together with cooking directions for vegetables. At present, French cuisine is based on the variations of the many regions of France. With each region being known for its celebrated culture, cuisine in France can be broadly classified into three categories: 1. French culinary recipes based on the northern regions of the nation comprises of trouts, pikes, salmon and birds. Meat dishes and tarts generally contain fruit. The famous Calvados and Camembert cheeses are also included in the preparation of their food. 2. French cuisine based on the regions of Central France is renowned throughout the country. The popular ingredients used in their dishes are red wine and garlic butter added to chicken or beef. The motivation to prepare innovative and home cooked food comes from Burgundy wines of this particular region. Homemade dishes are very central to this area of France. 3. French culinary recipes influenced by the southern regions of the nation comprise of olive oil, aubergines, tomatoes, Roquefort cheese, wild mushrooms, and garlic. In addition, the exotic range of seafood of this region greatly augments the reputation of its food. Across the word, delectable French cuisine graces the menu of many of the famous restaurants and hotels.

Basic Kitchen Layouts And Their Respective Uses

Kitchen layout is the foundation of a beautiful cooking area, which comes in various styles such as: single-wall, corridor, L-shaped, U-shaped, G-shaped, and Island style.

Kitchen area is one place in your house that requires a well-thought out design because a nice looking place can motivate the cook to prepare mouth-watering dishes. Before you can beautify the area, first you need to identify the layout of the room. From there, you can now decide on the add-ons and accessories to make it more conducive. As much as possible, maintain a spacious area, so that you can work on without obstructions and delay. Here are some of the common kitchen layouts for your kitchen:

Single-wall

Sometimes called straight kitchen, this is recommended for smaller house where the space is limited. It is attached to one side of the wall, so that the remaining space can be fully maximized. However, you can still enhance its storage capacity by adding pull-out drawers on the counter.

Corridor

Galley is the other name for corridor kitchen where the work stations are parallel with each other. This is another way to enhance space because it provides center aisle where you can move around; thus, commercial kitchen often utilize this type of layout. This is because chefs can have unobstructed footwork even during peak hours.

L-shaped

This type of kitchen is a popular choice for most homeowners who have long, open room because it is so versatile that the cook can work at the same time entertain guests with just one turn. This is the most ideal layout because maneuvering is not a problem at all.

U-shaped

If you want to have a multiple work area, U-shaped is best for you. This set-up also gives you sufficient storage space where you can place cooking essentials both on top and below the counters. This is perfect if you have lots of cooking appliances to display such as microwave, toaster, rice cooker, and the more.

G-shaped

Although, it provides moving space that is almost the same as the u-shaped, the only difference is the narrow passageway. This is perfect if want to create a more private cooking space away from onlookers since the limited point of entry prevents them from getting in and out easily.

Island style

With just one counter located at the center of the room, this requires less travelling around since everything you need are just within reach such as the sink, appliances, and storage. Household traffic is greatly minimized because there are two lanes for everybody to move around.

Whatever layout you choose, you need to consider comfort on top of everything. Do not just copy what you see on home magazines; instead build a place that facilitates ease.

Meditation And Meditation Music

First, I’m seriously wired by nature and am not someone who can stop thinking. I have learned to meditate very effectively once I learned some facts about real meditation.

Problem one is thinking that you can’t meditate, or it’s not real meditation if you have thoughts going through your head. You do NOT have to stop thinking, or empty your mind of thoughts…that will happen ON ITS OWN if you meditate correctly.

If you’re closed-minded, your ability to reach deep states of meditation, or spiritual connectedness, is restricted. This is the way we are designed…scientifically. Meditation at its core, is meant to slow down brain waves, whether you know it or not. It’s just like you may know how to drive a car, but have no clue what’s going on mechanically. People will meditate for relaxation, healing, spiritual connection, communication, access to the infinite field of consciousness…whatever your reason, it is all only attainable directly as a result of slowing your brain waves to a certain frequency range.

The four major brainwave states/frequencies are: Beta, Alpha, Theta, and Delta in that order. More info is available on the specific states via the link in my bio. Meditation is mainly attempting to bring the brain to the Theta and Delta states. This is where everything happens: the connection, communication, healing, access to the quantum field of consciousness. So the point is to slow your brain waves.

You do need time, especially if you don’t use tools to help you. It’s just like trying to relax, except much deeper. You need time to relax…and you can also use music or other tools to help you. Meditation music was what I found to be the most helpful for me. Real meditation music…like with binaural beats. The music is specially made to influence your brain to slow down…to chill out.

Watch on things that raise the rate of your brain waves, like certain colors. Red, for example is a very high rate of vibration. Deep blue is among the slowest. I recommend keeping your eyes shut the whole time.

Most of the meditation music that I bought, was effective, but very long. I decided to make my own music which is made to bring the brain waves from Beta to low Alpha in less than 6 minutes, and then another music track that goes from low Alpha to low Theta in less than 6 minutes again.

The Beta to low Alpha meditation music track is available for free. The Theta music track is available to buy. There is a music link in my bio.

Dennis Andrew
NNOS Studios Brainwave and Meditation Music