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Whether you’ve experienced it yourself or heard about the negative experience from an acquaintance; if there’s one word that can get anybody on their nerves that’s “loan”.

Money loans are simple on principle, you go to a financial institution and request some money that you need right now with the guarantee that you’ll pay it back., However there’s a large gap between theory and practice, and as such traditional bank loans are long and trying processes that most people try to avoid.

Between the paperwork and all the requirements, it can feel like getting a loan is downright impossible, however, bank loans aren’t the only option available out there. That’s why today we want to take a look at the world of hard money lending and explain how you can benefit from it.

What is hard money lending?

The first thing we need to understand about hard money loans is that the general principles and regulations remain the same. A hard money loan is still an arrangement where you receive money from another party with the legal obligation to return it in a fixed period. Likewise, hard money loans are also regulated and completely legal, they just tend to be offered by different institutions.

So what’s the key difference between a traditional loan and a hard money loan? In short, the real difference is the way the loan is secured. If you go to a bank for a traditional loan, what secures the loan is your credit history. Banks take a close look at your economy and gauge if you can responsibly pay the loan in the given time. If your credit history supports it the loan is approved, if not then it’s rejected.

Hard money loans, on the other hand, are secured with real property, You offer property as collateral, that way if you aren’t able to pay the loan the institution will still be able to profit.

The main difference between both loans is ultimately the way they are secured, and offering real property means that the loaner isn’t at risk of losing money from the loan. Bank loans are complex because they are fully reliant on a long history of transactions and income to guarantee that a client can truly pay back the money they’ve been lent. Hard money loans on the other hand circumvent this by offering a property as a safety net, meaning that the … Read the rest

The holidays are a time for gathering with friends and loved ones. It’s also a great opportunity for looking and feeling your best. Spas in livermore ca are a way to relax if you aren’t able to get away for an extended vacation. It is important to take time for yourself to renew and restore your energies, especially if you have a busy holiday schedule.

Skin treatments aren’t just luxurious. Regular skin treatments can help improve the look, feel, and quality of your skin. Regular massages can also help increase circulation and revive tired muscles. Here’s how to find the right spa for you.

Do Your Research

Many spas in livermore ca have a specialization: a beauty treatment that they’re really known for in addition to the regular spa menu. You might be looking for a manicure to show off your shiny digits, or a facial extractions to give your skin some extra glow under the holiday lights. Do your research to find a spa that will cater to your specific needs.

Some spas will let you take a tour before you make an appointment, so take the opportunity to look in the locker room and observe how you and other guests are treated. Ask friends for their spa recommendations. This is a great idea if you’re looking for a spa you can envision going to regularly even when the holidays are over.

Find an Esthetician

The right esthetician is just as important as your treatment. You’ll want to find someone whose personality will click with yours and will make you feel super relaxed. If you have specific skin concerns, speak up beforehand to make sure they can address them during your treatment session. Your esthetician can even educate you on the right ways to care for your skin after your treatment and make sure the results last longer.

Find a Skilled Waxer

Short holiday dresses call for smooth skin. The right waxer can mean the difference between a painful Brazilian wax and a comfortable one. Go to a waxer who is highly experienced and ideally does multiple Brazilian waxes per day. Also check the sanitation of the waxing room: double-dipping in the wax is a huge no-no!

Prepare for Your Treatment

Are you ready to feel pampered? Make sure to get ready for your treatment. If you’re getting a facial treatment for dry skin, come to your appointment with … Read the rest

Believe it or not, cigars are a lot more than just paper that is wrapped around specialty tobacco and smoked. There are several types you should learn about in order to understand what stogies really are and the differences among them. Only then can you make an intelligent purchase either for a friend or for yourself as a novice cigar fanatic.

ROBUSTO

These are the shortest types of cigars, measuring in at an average of five-eighths of an inch in diameter. Robustos are usually about 5 inches in length with a ring gauge of anywhere between 40 and 50. By the way, “ring gauge” refers to a measure of a cigar’s diameter. Each gauge is equal to 1/64th of an inch. Therefore, a cigar with a 1-inch diameter would have a ring gauge of 32. Most robustos can be smoked in 45 minutes to an hour.

BELICOSO

These strongly flavored, conical-shaped stogies are distinguishable by their tapered head and have a high ring gauge between 48 and 54. They can range between 5 and 6.5 inches in length and are the quintessential mobster cigar. Because of their high concentration and cool draw, they are not recommended as a first cigar for a new smoker.

CORONA

If you’re seeking the ultimate in the cigar-smoking experience, look no further than this light cigar comes in numerous flavors. They have a ring gauge of approximately 42 and are 5.5-6 inches in length. Buy these excellent stogies for yourself or for anyone who appreciates taste variety as well as a less harsh experience.

LONSDALE

This type is similar to corona in diameter, mildness and the wide selection of available flavors. One difference is that lonsdales tend to be about half an inch longer. Expect it to take about an hour to smoke an entire Lonsdale.

PANETELA

Unlike the other varieties that have been described, panetelas are long and slim. The so-called “grand panatela” type is over 7 inches in length. Their ring gauge is around 38, and it takes as long as two hours to smoke an entire one because of the greater length. Many aficionados claim that the smoking experience occurs in different phases as the aroma, flavor and texture fluctuate.

CHURCHILL

As the name suggests, this variety of cigar is named after the iconic British prime minister, and like him, they mean serious business. On average, they are approximately 7 inches long … Read the rest

Forget everything you were told about pressure cookers as a child. Today’s versions are quiet, safe and fit perfectly into the modern lifestyle. It’s time to learn why 21st-century pressure cookers are a necessity for busy people who love to eat.

Pressure cooker recipes are finished faster. Because they are prepared with a small amount of liquid that is quickly boiled away, they retain their color and flavor as well as more of their nutrients.

Pressure cooking saves energy. Many complete meals can be cooked in one pot, eliminating the need to use multiple burners. Furthermore, cooking times are significantly reduced, lowering energy consumption.

Getting dinner served can happen up to 70 percent faster using a pressure cooker. You no longer need to resort to processed fast foods when you’re in a time crunch.

Clean-up is a breeze with pressure cooking. Its closed environment means no boil-overs and less residue on surrounding surfaces like stove tops and counters. And since pressure cooker recipes often require only one pot for the entire meal, washing dishes can happen very quickly.

When you use your pressure cooker instead of a large oven, you also create a great deal less heat in your kitchen. This can be an especially valuable benefit during the hottest days of the summer or during one of the heat waves that most of us experience at some point during the warmer months.

Finally, you can use your pressure cooker to preserve food items such as fruits, meats, fish and vegetables. If you choose to engage in this hobby, you will probably want a larger model of pressure cooker in order to accommodate more jars at the same time. Just be sure to follow the canning instructions that come with your unit.

The best news of all is that pressure cookers are inexpensive, child-proof and easy to use. Get one today, and transform making dinner into a fast and fun experience.… Read the rest