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Author: Katie Parker

Why You Should Consider A Bridge Loan

Posted on by Katie Parker

Selling a home is rarely easy, and for some buyers and sellers it can be a genuine knuckle-biting experience. This is especially true about the financial aspect of home buying, which can turn even seasoned pros into nervous wrecks.

Fortunately, there are financial products that can help, and a California bridge loan can be a genuine life saver. These loans allow sellers to access their home equity before they sell, so that they don’t have to make a contingent offer on the home they wish to buy once the sales transaction is complete.

A California bridge loan can also give these same sellers more leverage and buying power. They help sellers compete in scenarios where the home they’re trying to buy after the sale is drawing multiple offers from other buyers who have funds at the ready.

The general terms of bridge loans in California are relatively clear. To get a bridge loan, you need to have at least 20 percent worth of equity built up in your current home, and the length of the loan is usually 6-12 months. Also, bridge loans tend to have fairly high interest rates, so they’re best applied in those areas where homes tend to sell fairly quickly.

Nearly all bridge loans are used in one of two ways. One is to pay off a current mortgage, which then allows sellers to use any excess funds after that payment toward a new down payment. A California bridge loan can also be used as a second mortgage, which then becomes the down payment on the new house.

The best use of a bridge loan depends on the prices of the houses being bought and sold, the financial situation of the sellers, and the situation regarding the home they wish to buy.

The advantages and disadvantages of a bridge loan are fairly well-defined as well. They allow sellers to make an offer without having to use a sales contingency, and the payments can be put off until the sale goes through or made interest-only.

The down side of a bridge loan is that the rates tend to be high, and the cost of an appraisal may become part of the closing cost formula. It also may leave sellers owning two houses for a brief period of time, and there’s also the matter of the aforementioned 20 percent equity stake that’s required.

Despite these tradeoffs, bridge loans … Read the rest

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Why Your Brand Might Want to Get a Text Message Marketing Service

Posted on by Katie Parker

An estimate of 65% of the worldwide population owns a smartphone so every business that wants to grow should use a digital marketing strategy to build customer loyalty and generate more sales. Text message marketing service is a technique that consists of sending promotional messages to subscribers and target a large number of audience with just one message. SMS marketing can be just as important and effective as social media marketing or email marketing. If your brand wants to start using this strategy but you aren’t sure yet, here are the top 5 reasons to get a text message marketing service.

Cost-Effective

SMS marketing service is a great choice for small businesses who don’t have enough money to pay for a social media marketing campaign but still want to grow their audience, it doesn’t cost a lot of many to send a message and even if you hire a company like textedly.com to customize your messages and help you build an audience, the prices are still pretty affordable compared to a Facebook ad campaign.

It is an Immediate Channel

Once you press the send button the message will be delivered instantly, SMS has a read rate of 97% within 15 minutes delivery so you can be sure that your customers will read your messages after a few minutes because texts are way easier to open than emails. Another important factor is that text messages don’t require graphic design, any printings, or materials to gather, you just need the right message to attract your customers.

Reach a Larger Audience

About 52,2% of all online traffic is generated through mobile phones so it seems smart to use them as a way to grow your audience, in particular, SMS because customers don’t require an internet connection to open them it gives your business the opportunity to reach to a larger audience and with the help of textedly.com you will know what to say to gain customer loyalty.

Higher Open Rate than Emails

Statistics don’t lie. Texts are opened up to 98% of the time when received by the customers which give SMS a higher open rate than other marketing choices and avoid situations like getting your email in the spam folder where it would never be read. You can be sure that your SMS won’t get ignored.

Engage with Your Customers

You can easily get feedback from your customers with the use of … Read the rest

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Here’s What You Need to Know Before Getting Plastic Surgery

Posted on by Katie Parker

Nowadays, cosmetic surgery has gained immense popularity among all generations. The reason for this is the huge advancement of techniques that solve even the most complicated aesthetic problems of the body and face. There is not a single part of the human body that is not available for this functional or aesthetic solution of problems and defects. Of course, as with other cases, cosmetic surgery raises suspicion in individuals who are unaware of the benefits or those who observe it through cases of exaggeration.

Millions of people every year make the decision to do plastic surgery. It may sound tempting to change some part of the body you’ve despised for years, but before you decide to go under the knife, myfacesurgeon.com offers you a few facts to think about beforehand.

Increased self-confidence

We are not all born with the sweetest nose, and our skin as we age gets wrinkled. With plastic surgery, people have a new option, to reshape some parts of the body that they find unattractive. Also, women are opting for cosmetic surgery to remove aging signs. myfacesurgeon.com surgery can also repair any body damage caused by an inherited problem, or an infection. Successful plastic surgery will help you look more attractive and be more confident.

Health benefits

People with long-lasting physical problems may have huge benefits from this sort of surgery. For example, women who have huge breasts sometimes have terrible back pain, and here plastic surgery is an ideal solution – breast reduction is performed by plastic surgery. Also, people with excess skin on their eyes can perform eyelid lifting and thus solve this problem.

Permanent solutions

Many procedures provide lasting effects. Ear, nose, mole removal, liposuction, and other surgeries are performed once, and the results are permanent. In some other cases, such as breast surgery, the durability may be diminished over time due to aging or bad life habits. In order to preserve the appearance after the intervention, it is desirable to follow the rules of a healthy diet and forget about smoking.

Final words

So, before you decide on this surgery, you need to do make a deep investigation. Talk to several doctors and ask about the experience they have in this field. Also, try to speak with other people who had a similar operation. And finally, ask surgeons about the price. And most important of all, ask yourself what you expect from the … Read the rest

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An Alternative For The Commemoration Of The Life

Posted on by Katie Parker

The cremation service is based on reducing a corpse to ashes within a space that will be prepared for this purpose called a crematorium. A cremation service is a different option from the burial or burial of the body of a deceased person.

In a cremation services, the body of the deceased is prepared by dressing and arranging it in the same way as a body is prepared for burial. Therefore, the body is left clothed, except for any metal items that may be fire-resistant. Therefore, if there is any clothing that you wish to keep, you must communicate this beforehand, so that it can be removed before proceeding with the cremation of the body.

Before the body is taken to the cremation room the relatives have a final farewell with the deceased. The crematory oven is designed to incinerate only human bodies and one body at a time, this oven reaches temperatures between 800 and 1000 degrees centigrade, and is controlled by computer. After the cremation process is completed, the remains pass through a processor that pulverizes the larger bone waste, and then the ashes are expected to cool and are placed in the urn, box, or amphora chosen by the family members.

Just as in the case when the person is to be buried if the family so wishes, awake or some kind of religious service can be held before the cremation, disposing of the body in a coffin. Only the body will be placed in the crematory oven, and in some cases it will be placed inside an ecological cardboard box.

If the family wishes to perform the religious service, it can be done with the body in the coffin before or after the cremation with the remains in the ashes urn. The characteristics of how the religious ceremony is to be carried out will be decided by the family. For these cases, the Arlington Cremation Services has a variety of services available, such as religious and multicultural services offering incense burning, ritual washing, and more. They also have cremation services on-site, home delivery of ashes, and even mailing of ashes.

The Arlington Cremation Services also offers you the service of event planning, in which they offer the production of a video tribute to the deceased, live music for the event, piano/organ arrangement on site, a reception area that is quite intimate and convenient to the situation, … Read the rest

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Non-Surgical Rhinoplasty To Improve Your Looks

Posted on by Katie Parker

The nose has a huge influence on the aesthetics of the face because of its size and visibility. Both sexes are deciding for non-surgical rhinoplasty to improve their look. Experienced doctors who deal with this can correct cosmetic imperfections as well as to improve their functions. Non-surgical rhinoplasty surgery is one of the most represented cosmetic procedures in the USA. People opt for correction for a variety of reasons, such as aesthetic ones, for example, nose deviation. This procedure will make you feel prettier, healthier, and allow you to breathe easier.

Non-surgical rhinoplasty is a small procedure of injecting a filler into the nose to change its shape. The procedure also includes the nostrils and bridge height. If you are looking for a professional, then you have to check robertkotlermd.com. Dr. Rober Kotler is a superspecialist with an incredible reputation in the rhinoplasty field. Non-surgical rhinoplasty can provide as many things as surgery, but the results will be temporary. The tip of the nose can also be shaped by this filling, it will make the nose crisper, as well as bringing harmony to the face. The procedure is mainly performed with hyaluronic acid fillers, while in some cases they are mixed with neurotoxin. The time required for the procedure is relatively shit, only 15-20 minutes. Most people wondering is this procedure painless. It is almost painless, only some patients may feel a little uncomfortable afterward. There is a possibility of bruising and swelling after the procedure. Non-surgical rhinoplasty results are temporary, while surgical rhinoplasty results are long-lasting. The results will last as long as the fillers last, generally between 6 and 12 months.

Non-surgical rhinoplasty will not make your nose smaller. Fillers will add volume to your nose making it bigger, allowing to make bump less visible or simply correcting the nose shape. Good candidates for this procedure are people with a smaller nose who want to straight it or to adjust the tip. What you need to know is that this procedure is a short-term solution and works best when it’s used for small adjustments.

Some of the people choose non-surgical rhinoplasty to see what they will look like if they decide to go for real surgery. Before you decide on this step, you always have to consult the doctor. Robertkotlermd.com is a great place that will give you all the information you need to know about non-surgical … Read the rest

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The Real Meaning of Healthy Living

Posted on by Katie Parker

Wellness experts make a lot of money telling their clients how to be healthy. Many more people aspire to enter this field. Who doesn’t want to be a millionaire who pays for their private island by telling truly desperate people to eat less, move more and start a gratitude journal?

But is making others feel bad because they’re not on their knees thanking the Universe for their clean water really the way to help people live healthier lives? Or can we all work harder to meet people where they’re at and practice a bit of empathy?

We all know that living a healthy life is important. But here’s the million-dollar question: what constitutes a “healthy life?” Is it eating vegan for one week, starting a plant-based influencer business, then going back to eating meat while continuing to make money off a lifestyle you no longer follow? (News flash: No. It isn’t)

Or is living a healthy lifestyle nothing more than eating well most of the time while not turning away from that piece of cheesecake once in a while? In this post, you’ll get the answers to your questions about how to live healthy in 2020 and beyond. The post will not just feature five rules for living a healthy life. It will also teach you how to live a life that will not make your friends want to punch the self-righteousness out of your face as they devour a tower of nachos as you daintily pick at your fried tofu.

Rule #1:Stop Obsessing About Those Last 5 Pounds

For the most part, you’re happy with the way you look. But you keep telling anyone who will listen that you “just can’t lose those last 5 pounds”. I hate to break the news to you, but 5 pounds didn’t turn anyone from a “5” to a “10”. Being healthy is not about getting “likes” on your bathing suit pics. It’s about being able to play with your kids without getting winded. It’s about kicking butt in your exercise boot camp class. Being healthy is living your life to the fullest while making good choices most of the time. So stop whining about those five pounds. Life is about more than being able to show off an 8-pack on the beach.

Rule #2:Stop Demonizing Certain Foods

With a new decade should come new rules about how we should … Read the rest

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Do You Need A Motorcycle Accident Lawyer?

Posted on by Katie Parker

You’re hurting and have a bit of neck pain after your injury. But, there’s no damage to your bike, and everything else is okay. You don’t need a lawyer, right? The team at riderzlaw.com  of motorcycle accident attorneys would tell you to think twice. In most cases, after an accident, you aren’t going to feel the pain immediately. So, you don’t know if you’re okay, even though you think you are at the scene of the accident. This is just one of the reasons you might need a motorcycle accident lawyer when you’re involved in a bike accident.

What will the top lawyers tell you? The team at riderzlaw.com and the best accident lawyers will inform you to

  • Talk to a doctor or specialist
  • Find out if you have any lingering pain, and wait a few days to see if pain persists
  • Have everything checked out to make sure there aren’t any injuries that were sustained (even if you don’t feel pain)

The top attorney is also going to inform you to avoid

  • Signing anything, especially if the other party’s legal team asks you to
  • Discuss the accident with others who aren’t involved
  • Post anything on social media
  • Talk about your injuries or damages

The top legal team has your best interest in mind. Many people think they can talk about the accident and then later ask for a higher settlement if it turns out they did sustain major injuries they didn’t immediately note. If you sign anything, you are saying you can’t go after the liable party if you are hurt. So, you need to avoid this at all costs, and you should avoid speaking to others about the accident, at least until you talk to a lawyer, to find out if you have a viable claim or not after your accident.… Read the rest

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Posted in Law

What Is A High-Risk Payment?

Posted on by Katie Parker

There are two types of business owners who own low risk or high-risk credit card processing accounts. Higher risk account holders have a more difficult time getting approved for business. Learn more about how high-risk payments are dealt with in the credit card processing industry.

 

What Are High-Risk Payments?

 

A high-risk payment is likely to be denied instead of approved. This results in chargebacks or the return of funds to payers. The bank initiates this reversal of payment if there is a lack of funds or if the customer requests a refund. A company that receives many chargebacks or product returns is considered to be high risk.

 

Payment Processing Options for High-Risk Clients

 

Payment problems should not prevent any company from continuing its business operations and improving its finances in the process. Credit card payment processors are available for high-risk clients that could belong to any industry. However, a few of the riskiest businesses are gambling, gaming, and telemarketing.

 

There are special terms and conditions that come with the use of high-risk credit card processing. The merchant may be charged a rolling reserve to prevent losses caused by chargebacks. To cover the risk, a certain percentage of credit card sales is held. The money can be held until after the merchant’s transactions are cleared.

 

Initially, the fees that were charged to high-risk clients were expensive with some commission rates being as high as 15%. Now, there are more affordable solutions without the need to pay severe penalty fines.

 

Looking for the Right One

 

Do not choose any payment processor to work with if you want to do good business. Consider the type of business model as you choose a payment processor because some may refuse to work with certain high-risk businesses. Ask about the types of anti-fraud methods and technologies that the processor uses to prevent chargebacks. Find a company that has a system of preventing chargebacks before they occur.

 

High-risk credit card processing includes a heavy emphasis on fraud prevention. Your company’s business transactions are monitored closely and certainly holds are placed on your money and bank account. These steps are important because chargebacks are expensive to fix and time-consuming to deal with for both merchants and banks. However, high-risk merchants still have a lot of control over their own finances, but you must find the right credit card … Read the rest

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Selecting The Right Spinal Surgeon

Posted on by Katie Parker

Spinal surgery is no small feat. There’s plenty of research that should be conducted by potential candidates before they pick their spinal surgeon. Not only to ensure you choose a qualified surgeon but also to know they have experience in the type of surgical procedure you need to have completed. Before you settle on any surgery clinic or choose a surgeon for your procedure, you’ll have to compare multiple surgeons, to know you’re picking the right one.

Experience

You can’t trump experience; when selecting the spinal surgeon for your procedure, make sure you know how long they’ve been in the industry. You’ll want to ask

  • How many similar procedures they have performed
  • How long they’ve been in the field
  • The type of tools they use during surgery
  • How many complications their patients have had
  • The time it takes to complete the surgery and recovery

Ask as many questions as possible Find out everything you need to know, so you can make an informed decision about the surgeon, and so you can pick one that has many years of experience with the type of surgical procedure you are going to have completed.

Track-Record

Their track-record is also important. You don’t want to have surgery with a surgeon that has had 5 unsuccessful surgeries in their last year of work, do you? Nor do you want one that has a high failure or rejection rate. So, understand the quality of their work, the type of procedures they do and find out about their patients and the recovery process. You have to pick a surgeon that is going to do the procedure well and will result in the best outcome for you. Understand what a surgeon is capable of before you undergo a procedure with them.

Surgical Types

Then there are the different types of surgery that the spinal surgeon has completed You don’t want to be the guinea pig for a new procedure. Make sure they’ve done similar procedures in the past and that they have a high success rate with the type of surgery you are going to have. This will give you more confidence in knowing you are in the best hands when the time comes for you to have the surgery completed.

There are many surgeons you can choose for spinal surgery. Before you do pick the right one for the procedure you’re going to undergo, these tips … Read the rest

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