Monthly Archives: September 2017

Ways to Get Financing For Emergency Use

Cash loan approvedNo matter how successful your business has become over the years, there will come a time when there will be financial emergencies. In times like that, the company will have to look for ways to get money in a fast way. The following could help you in securing money for whatever activity you intend to do.

Go for Cash Loans

If you are looking for lending options, cash loans are probably the best you have for an emergency situation. Cash loans in Ogden, Utah are approved based on the cash-flow that you or your company receives and ending company usually tries to process it quickly. Plus, there is a bigger chance for your company’s loan is approved.

Choose Asset-Based Financing

Not every business owner knows about asset-based financing. These are types of loans that make use of assets not normally used in most lending companies. Often, these loans are related to assets like machinery and equipment or inventory. You can use these assets for your loan and use the cash to resolve your financial issues.

Opt for Merchant Cash Advances

Merchant cash advances are ways for the business to arrange with a lending company so they can get a lump sum. In exchange, the lending company will be getting a percentage of the receivables of the company in the future. The percentage will depend on an agreement that will be finalized by the two parties.

Pick Company Voluntary Arrangement

If your company is already in a serious situation, it may be best for your company to go for a voluntary arrangement. It may be the best option for some options.

There are always ways to solve possible financial emergencies in your business. But before you commit to an option, it would be best for you to consider the fine print and the implications it may have.

Factors to Consider When Looking for the Best Mortgage for You

MortgageA mortgage takes many years to pay in full. Thus, you have to make sure that you find one that you can manage well.

Getting the best mortgage rate in Salt Lake City would be an advantage. But, there are other factors to consider. Here are some of them:

Mortgage Type

There are two main types: fixed and adjustable rate mortgages.

Fixed Rate Mortgage – The interest rate remains the same throughout the term of the loan. It allows you to budget your payments. The downside is when there is a general decline in interest rates. Interest on your loan does not go down.

Adjustable Rate Mortgage (ARM) – At the start of the loan, the interest rate for an ARM is often low. It will then fluctuate throughout the rest of the term. You will pay less if the prevailing interest rate goes down. If it rises, you will pay more. 

Lender

It is best to compare offers from different lenders. Interest rates and terms may vary from one lender to another. Compare mortgage products with the same features to make sure you are getting the best offer.

Mortgage Rates

Various factors influence the interest rate on a mortgage. These include economic and market conditions, as well as your financial profile. You can qualify for preferential rates if you have an excellent credit score and a steady job.

Mortgage Fees

Aside from interest, other costs come with a mortgage. These may include loan administration and processing fees. Thus, it is also important to consider the “junk” fees when comparing mortgages.

Lock Period

Offers from lenders are only good up to a given period. Interest rates are locked-in during this time. Beyond the lock period, the interest may go up or down, depending on prevailing conditions.

Consider these factors when looking for the ideal home loan to get. This will help you land the right mortgage for you.

The Modern Day Fountain of Youth: Skin Care Ingredients You should be Using By 30

Woman checking what to buy for her skin careAt what point in your life should you begin an anti-aging skin care routine? According to experts, there's no time like the present to start using an anti-aging facial serum and other products like those offered by Olivu426. More importantly, they say that you should be more aware of key ingredients that make up some of the most potent products. 

Antioxidants

Skin care products with antioxidants are essential to an anti-aging regimen because it promotes the production of elastin and collagen in the skin. These should be free from any radicals that can harm the DNA in your cells.

Remember, however, that not every antioxidant product is created equal. Exercise due diligence when shopping around for them. For instance, choose a serum precisely concocted with around 15 to 20 percent Vitamin C, so the skin can properly absorb it. The ingredient resveratrol, which you can find in some red wines, is also a great antioxidant to look out for.

Retinol

Derived from vitamin A, retinoids encourage the healthy turnover of cells, prevent pigmentation and deter the development of acne lesions. You’d want to get a product with retinoid as you reach the age of 30 because the elastin and collagen in your skin will begin to deteriorate. Products can list this ingredient as retinoic acid, retinol or retinaldehyde.

Several retinoids come in several low-priced, over-the-counter selections that are stronger, so you’ll have more freedom with this ingredient compared to antioxidants.

A strong preventive routine that you start in your 20s can go a long way in maintaining and protecting healthy skin cells during your 30s. When picking a product, make sure that you read the label and remember what you’re searching for: key ingredients that you naturally had in your skin during your youth, but needs to be topped up as you age.

Your skin care routine is extremely important. Make sure that you choose effective anti-aging products with the ingredients listed here to keep looking youthful and radiant.

Tourism Drives Hotel Construction Boom in Utah

a simple hotel roomSouthwest Utah will have as much as 1,000 hotel rooms by the end of 2017 due to growing tourism and pent-up demand, according to an NAIExcel report.

The real estate services company analyzed the market’s movement in drafting the new report, which counted more than 400 hotels rooms built since January and predicted the completion of over 450 rooms before Dec. 31.

Construction Areas

Some of the newly built hotels in the state’s southwest include three buildings in St. George, four in Springdale and three others each located in Cedar City, Hurricane and Virgin. Another four projects are expected to be built in St. George this year, as well as three more in each of Hurricane, LaVerkin and Ivins.

These projects are unlikely to happen if not for a record tourist figure in 2016, as there were 4.3 million people that went to the Zion National Park and other recreational facilities in the region. Jon Walter, a NAI associate broker and partner, said that the first half of 2017 already represented a good time for hotel construction.

The trend has likely benefited companies like Herrick Industrial Supply that offer construction and industrial supply online or offline, since more hotels have been built in the last 12 months than in the last 10 years, according to Walter.

Construction Jobs

An increased level of construction activity in general means more jobs. In the Provo-Orem area, construction employment surged 39.2% in May to more than 287,000 jobs from over 206,690 workers in July 2009.

The statistics led it to become the second best city among 430 metro areas in the U.S. where constructions jobs are on the rise. Cities in the west and south of the country recorded the best growth in construction employment.

Conclusion

Tourism helps local businesses and any region’s economy. The spate of hotel construction in southwest Utah further proves this.

Little Girl Reading a Book

Eight Books that Could Help a Child’s Bereavement

Little Girl Reading a BookThe loss of a loved one can be overwhelming for a child. Often, young children do not fully understand death, but the event will make them have to confront concepts like cremation, funeral, burial, and the difference between sleep and death. They will naturally have many questions about it.

As children have always identified with characters in books, movies, or TV series, seeing a character endure the same challenges make them feel less lonely. Thus, during these difficult times, a book can be a source of answers and strength for children.

Book Recommendations:

Missing Mummy by Rebecca Cobb: This book tells the story of a little girl as she copes with her mother’s death and how a family heals after a loss. The book is also recommended by the Telegraph.

Is Grandpa Wearing a Suit? by Amelie Fried: This is about a boy who is confused about the passing away of his grandfather. The boy asks questions about burials, death, and heaven.

Harry and Hopper by Margaret Wild: The story tells how a young boy, Harry, deals with the death of his beloved dog, Hopper.

Remembering Crystal by Sebastian Loth: Zelda, a young goose, notes the sudden disappearance of her friend Crystal, an old turtle. As the story moves, Zelda begins to accept that Crystal is gone but that she will remain in her heart forever.

Always and Forever by Alan Durant, meanwhile, is a story about a mole, otter, and a hare as they face the death of their friend, Fox. Like Zelda, the friends believe that Fox will remain in their hearts.

Hospices like Cfhcare.org in Indiana are getting behind this movement, running book clubs for people who are grieving. The mentioned hospice, in particular, has a section for children. Its book selection includes What’s Heaven? by Maria Shriver; Little Tree by Joyce Mills; and Love You, Teddy: A Tail of Loss and Hope by Virginia Ulch.

Book Hunting

Some people may already have a book in mind, or some might be at a loss about what book to find. The Reading Recovery Council of North America recommends three ways to find children’s books about bereavement. First, one could visit the public library to check titles about loss. Second, the school library may also have books that deal with grief. Lastly, if people are looking for a cheap, quality books, bargain bookstores are the way to go.

Death is a painful, sensitive topic. However, it’s still a part of life. During these difficult times, children need not be alone — they can count on their family, their friends, and a trusty, well-written book to help them through the process.