Jim's Articles

Month: July 2019

Home mortgages tips

Posted on by Marie Poppins

Do you require money for personal reasons ? Looking for property refinance advices? Sometimes it takes a big investment of resources to move the needle for your small business. Maybe there’s special equipment that could save you money on labor and make you more productive. There might be a building next door that would make a perfect addition to your shop. Or, your existing facility might need a serious facelift. In each of these cases, an SBA 504 loan would be perfect. These loans offer up to $20 million to purchase real estate, equipment, and machinery. You can also use them to remodel or upgrade existing facilities. SBA 504 loans are very small business-friendly, requiring only a 10% to 15% down payment and offering 10- to 25-year terms and low-interest rates.

You can actually use a personal loan to indirectly increase your credit score by making the monthly payments on time. The higher the credit score, the higher the credit limit and lower the interest rates will be. There isn’t much paperwork involved. Fast processing times. It usually takes less than a week for a lender to process your personal loan application, whereas a traditional bank loan may take much longer. Flexibility. Most personal loan lenders allow you to spend funds in whatever way you want, either for a holiday vacation with your family, backing the capital of your business and so on. See extra info on Equipment loans.

Calculate the EMI: To avoid any penalty or accruing debt, it is important to be able to make the EMI payment on time, every time. You will have to be the impartial judge of how much of an EMI you can handle with your current and expected income in the short term. The best possible way calculate the overall cost of your personal loan, including the EMI, are the online personal loan EMI calculators. Repayment Period: Banks usually offer one of many standard loan repayment periods. Personal loan tenures generally do not last longer than 60 months. This period is determined based on your ability to repay the loan as well as the amount of the loan. You may be able to choose the repayment period as per your preference but you have to be careful while doing that. A lower tenure means that you would have to pay less total interest but your EMI amount will increase. On the other hand, a longer tenure results in lower EMI amount but higher interest outflow.

When the company directors don’t have commercial security to offer, the lenders will ask for a personal guarantee. These documents allow the using of a personal asset to secure a commercial loan, commonly a family house. While personal guarantees are now standard practice and facilitate much needed finance, they should also be used with caution and always with full understanding of the potential consequences. If the business should other default on the loan, or become insolvent with the loan outstanding, the personal guarantor’s property will be sold. While the limited company structure commonly protects directors from the fallout of business insolvency, with its clear separation between corporate and personal debt, personal guarantees are specifically designed to surmount these laws and breach the corporate veil.

How do mortgage deposits work? You have to pay for part of the property yourself, and this amount is called the deposit. It is shown as a percentage of the property’s value, so if you bought a house for £200,000, a 10% deposit would come to £20,000. Your mortgage provider will lend you the rest, which is called the loan to value (LTV). In the above example a 90% LTV mortgage would cover the remaining £180,000, which would be the amount you owe your lender.

Greenlight Funding provides low-interest affordable loan programs for home and commercial real estate. Loan programs available up to 100% financing. Fixed and adjustable rates for single and multifamily real estate, construction loans, fix and flip and business loans from SBA and private lenders. We cater to homeowners, real estate investors, and business owners and are dedicated to helping you to fulfill your goals. Call us at 917-722-1761 and get your prequalification today. Guidance: A straight forward process every step of the way, Objectivity: The right loan at the best rate and lowest cost, Transparency: No surprises, no hidden costs.

Business Name: Greenlight Funding, Manhattan
Web: https://greenlightbiz.com/
Address: 99 Wall Street, Suite 1605, NY, NY 1005
Tel: 917-722-1761
eMail: info@greenlightbiz.com

Top quality toner cartridges

Posted on by Amelia Whitehart

Here are a few advices about how to decrease the costs of your printing jobs. Your printer manuals will come handy when you encounter any glitches so, keep them safe and in a shelf that is accessible. It would be quite useful to refer to your manual when one of the maintenance lights pop up and you have no clue why the light is on. In case, you have misplaced your manuals, you can check the online support offered by your manufacturers. Most manufacturers have an exhaustive list of commonly encountered issues along with probable solutions.

At some point, you’ve probably seen a document come out of a printer with white lines running across the text or graphics that are missing ink, even though the cartridges are full. This means that the printer heads are clogged and need to be cleaned. Check out the manual that came with your printer or look on the manufacturer’s website to find out how to clean the printer heads on your particular model; many printers will self-clean with just a few clicks but can also be cleaned manually if you prefer. Just be careful not to clean the heads more often than necessary, as the cleaning process will use some ink.

There cannot be any compromise on ink cartridge refill or replacing ink cartridges itself owing to the large amount of printing work that needs to be done constantly at your office. To make it more economical and affordable, you need to follow a few strategies that can help you curb your monthly expenditure on buying ink cartridges for regular use.

Proper care starts the moment you bring home a new cartridge. Before you install the cartridge, be sure to inspect it. Gently shake the cartridge or tap it on a hard surface a couple times to prime the ink. On the top of most cartridges, you’ll find a piece of plastic tape that covers the vent hole and a plastic clip that is protecting the cartridge while in transit. Not every cartridge will have a clip or tape, but if they do it’s important to remove them before you try installing your ink. We recommend doing this over a trashcan as ink can sometimes escape from the cartridge when you remove the tape. On the side of the cartridge, you might notice a gold contact chip. This chip is very sensitive, as it is the electric component that communicates with the printer once it is installed. If you do accidentally touch it with your finger or notice a bit of dust, gently wipe it clean with a Q-tip or lint-free cloth.

Our product line of premium quality ink and toner cartridges offers the opportunity to get the best quality prints while at the same time giving back to the environment. Use of compatible printer cartridges is beneficial to the environment and to your wallet as well. We are continuously improving our products and services to make sure that we fulfill your orders and demands without issues and delays. For inquiries about our products and services, we have a US-based customer support open every Mondays to Fridays 8:00 AM until 5:00 PM. See extra details at https://smartprintsupplies.com/.

eMail : support@smartprintsupplies.com
2501 7th Ave N Suite #1
Fargo ND
USA 58103

Camping sleeping pads tips

Posted on by Marian Vasilescu

A good camping sleeping pad will ensure that your hiking travel trip will be a success. Here are some camping tips.Keep a light handy: Campers are often amazed at how dark the night feels outdoors. Wear a headlamp or keep a flashlight handy. Hang a small LED lantern inside your tent as soon as you set it up, so you can turn it on when you prepare for bed. Some tents now come with built-in LED lights for a gentle glow.

If you get peckish, eat a small snack before bed of nuts or cherries. These are easy to pack, don’t require refrigeration, and best of all – are shown to promote sleep. While you’re at it, avoid alcohol and caffeine after the late afternoon, too. Many campers like to bring along their favorite adult beverage in a trusty flask. Save this for daytime sipping only. While alcohol initially makes you drowsy, it interferes with your sleep during the latter half of the night.

These are filled with some foam which expands when you open the valve and spread the pad, and it sucks the air in. You may blow some air in if you want. The outside shell is usually waterproof. The Therm-a-Rest model given in the picture above is one of them. An open-cell foam structure is similar to a bath sponge. So you have the gas pockets which are connected with each other. They are self-inflating due to memory effect of the foam. These pads are popular among backpackers and campers. They come in a large variety of weight (and thickness and price), but they are usually more lightweight than the air pads.

Self-inflating pads are typically the most convenient. You simply open the pad’s valve, which allows the foam cells to begin self-filling with air. Top it off with a few puffs of air to get to your desired firmness. They too can be punctured, but again this is a pretty easy fix. They are slightly heavier, so if packing weight is your biggest concern, you won’t find the lightest pads in this category. They are typically warmer than a lot of other pads. For an average hike or camping trip, the convenience and extra warmth may be worth the weight. Overall, self-inflatable sleeping pads are generally the most comfortable and warmest options, but are the heaviest.

Buy camping sleeping pads on Amazon at a very good price: We recommend this one, TFO Air Camping Sleeping Pad 1lb Ultralight, Upgraded 40D Tear-Resistant Nylon, Textured Inflatable Camping Mat with Compact Carrying Bag for Backpacking/Hiking/Car. See extra details on Soft Air Camping Sleeping Pad on Amazon. 1lb ULTRALIGHT CAMPING PAD & COMPACT CARRYING BAG The camping pad is 75″ X 23″ X 2″, which can satisfy your desire to enjoy a good night’s sleep in the wild. The super tiny packed size (10″ * 4″) is almost half the size of standard camp sleeping pads and perfect for fitting into a backpack in your funny hiking trip.

Purchase camping sleeping pads on Amazon cheap

Posted on by Marian Vasilescu

A top camping sleeping pad will make sure that your camping travel trip will be a success. Here are some camping tips.Wear dry clothing. Change out of any dirty or sweaty clothes. A good sleepwear choice while camping is clean long underwear, top and bottoms, plus clean socks. Avoid overdressing before you hop into your bag. Wearing bulky clothing inside a bag can actually reduce the bag’s ability to efficiently trap body heat. Instead, drape items such as a jacket on the outside of your bag for an extra layer of insulation. Or bring an old comforter from home to serve as an extra layer when car camping.

Nothing’s better than getting into a cozy warm bed at night. Bring this luxury to your campsite by boiling a pot of water an hour before bed. Let it cool a bit, then pour it into a heat resistant water bottle, seal it tight, and place it in your sleeping bag. Sleeping bag liners can also add warmth, as can stuffing in extra clothing to fill any pockets between your body and the bag. Adjustable sleeping bags allow you to unzip individual layers of insulation. For additional warmth, pack a blanket, a beanie or warm hat, and some socks to warm your extremities.

These are filled with some foam which expands when you open the valve and spread the pad, and it sucks the air in. You may blow some air in if you want. The outside shell is usually waterproof. The Therm-a-Rest model given in the picture above is one of them. An open-cell foam structure is similar to a bath sponge. So you have the gas pockets which are connected with each other. They are self-inflating due to memory effect of the foam. These pads are popular among backpackers and campers. They come in a large variety of weight (and thickness and price), but they are usually more lightweight than the air pads.

The most durable option is a closed cell or foam pad. They require no inflation but you’ll be exchanging comfort for durability, as you don’t have much ability to change a closed cell pad’s firmness. They take up more space than the other two options but can be strapped to the outside of your pack without worry because punctures won’t hurt the performance of a foam pad. Overall, closed cell or foam pads are generally the least comfortable option and are the middle of the road in terms of warmth, but are typically the least expensive option and the lightest.

Looking for the best camping sleeping pad? We recommend this one, TFO Air Camping Sleeping Pad 1lb Ultralight, Upgraded 40D Tear-Resistant Nylon, Textured Inflatable Camping Mat with Compact Carrying Bag for Backpacking/Hiking/Car. Read extra details on Air Camping Sleeping Pad on Amazon. UPGRADED AIR VALVE & CUSTOMIZE FIRMNESS After opening the top air valve, you only need 10-15 breaths to blow the sleeping pad and customize softness by air as you wish. The inside flap prevents air from escaping during inflation. Then close the top valve to prevent air from leaking and enjoy a comfortable night. It takes only a few seconds to deflate after opening the bottom valve.

Wholesale merchandise online shopping

Posted on by Marian Vasilescu

Looking for wholesale audio and video online store? Here is a quality selection of the best wholesale products. Balloon LED Lights BoBo Bubble Balloon For Birthday Wedding Valentine Decoration: Gifting is forever and nothing can be better than this LED light balloon. It is a lovely choice for birthday parties, weddings or baby showers. 2 in 1 Multifunction SD / TF OTG Card Reader: Card readers are must haves for all the tech savvy people. Whether it is to use for phones, laptops or any other storage devices, card readers are definite purchases.

Wholesale buying allows you to purchase products in bulk at a heavily discounted rate. These savings will pad your profit margins once you’ve factored your own expenses into the final price you list on your store. Buying wholesale will also allow you to build relationships with wholesale suppliers, which can lead to negotiations for better prices, higher quality, faster shipping speeds, and more. The more business you do with your wholesale suppliers, the more incentive they will have to give you the best experience and deals possible. Myth #1: eBay Is the Best Place to Sell Your Wholesale Goods: Now this is a particularly popular myth. As the world’s biggest marketplace, eBay has made its fair share of millionaires. What you don’t hear about so commonly is all the people who struggle to make a profit from eBay because 100 other people are selling the exact same products for more competitive prices.

Best watches : Though any number of great Timexes could’ve made this list, we’re particualrly enamored with the newly reissued MK1 — a recreation (of sorts) of a short-lived 1980s military-issue watch. While the original was meant to be disposable and had a mechanical movement inside and a plastic case protecting it, this version swaps both with a more reliable quartz engine and a higher-quality case made from anodized aluminum. A direct descendant of the original G-Shock from 1983, the modern G5600 version and similar watches are as tough as ever. For under $100 you get some nearly indestructible wrist gear that is more accurate than any luxury mechanical watch, and no need for battery changes with solar power. Just make sure you get one that says “Tough Solar” on it, and has a positive display for the best legibility. Further, G-Shocks are just fun, unpretentious, hassle-free, and extremely comfortable to wear.

Sports gear : Buying the right running shoes for you is very important for obtaining the best results. On’s running shoes are generally geared more towards fast running, with the distinctive pods on the sole offering a great cushioning-to-weight ratio that makes them especially good for long races in particular. However, with the Cloudsurfer the focus is more on providing plenty of support for your daily training. The shoe has an extra layer of EVA cushioning on the heel of the shoe to ensure a soft landing, and the ride is far less firm than on other On shoes in general, making the Cloudsurfer a great for easy efforts in particular. The Cloudsurfer is certainly a shoe made for the road, and lacks traction if you do step off the tarmac, which is inadvisable at any rate due to the pods’ mildly annoying habit of picking up small pebbles.

Best gifts : Among the most popular bobble head dolls, bobble head dogs continue to lead the way. The bobble head animals are popular due to the love of various animals, their compact size, and the ability to place the bobble head on the car dashboard or back window. In the United States, the availability of bobble head dogs have been limited greatly over the past several years. As of late 2013, one of the top producers of ceramic bobble head dogs discontinued their product line.

Camping and hiking gear : As for pillows, you can bring one from home if you have the room. But if you’ll be travelling from campsite to campsite, you may be better off with an inflatable camp pillow that you can easily compress and tuck into your backpack. If possible, test your tent bedding before your camping trip. Fully inflate your air mattress before your trip to make sure it still works. Try sleeping on it for a night to ensure it doesn’t lose air while you sleep, so you know ahead of time whether you need to find another option or get more cushioning to stay comfortable. Read extra info on Wholesale Merchandise Gogiftpro.

Adventure travel places and San Blas sailing

Posted on by Amelia Whitehart

Salina Cruz adventure travel locations are an amazing thing to do in 2019. To stay true to the technology detox, resting is essential. And in the San Blas Islands, naps are best taken under the shade of the palms. Local families that own the islands sell anything from fruits to beach towels, which you can purchase for a picnic lunch in the shade. The temperature averages at 90 degrees year round, so sunblock and shade will be essential to a relaxing time in the islands.

Tourists from around the world come to San Blas exclusively for this important ride, La Tovara and Camalota Lagoon, where the crocodile sanctuary is located within the estuary area of the municipality of San Blas. Its ecological environment remains untouched, allowing direct contact with nature and to feel the thrill of entering a special habitat of flora and fauna.

Island Banedub is marked with a skull of a cow head near the beach, but don’t let this sight scare you away! Island Banedub has some cabins and a small bar with a campfire. The beach lies to the south and is out of the current so you can bathe in calm waters. At night you will see illuminating jellyfish and squid swimming around and this sight is truly magical! The beaches on Chichimei are probably the most deserted in San Blas and the most easy to reach for travelers without a boat. Chichimei is also a well know backpackers hangout that lacks electricity or flowing water. But this relatively big island, walking around takes up to 15 min, has long white sand beaches with crystal clear water all around. They have a volleyball field with volleyball that you can use all day for free. You can stay here in cabin full of hammocks, back to basic with the facilities. Chichimei is a must go for visitors of San Blas. At Tao Travel 365 we believe in eco-friendly travel preserving the beauties of nature and forming meaningful human relationships with the locals, while adhering to our Tao philosophies that focus on being in balance with yourself and with nature. Every adventure we offer to our customers has been handpicked and personally experienced by Michael and Paola, who value high quality experiences, great prices and excellent customer service. More details at https://www.taotravel365.com/.

Few attractions include A bakery with this name will make you think of one thing: banana bread. And you will not be wrong because of Famer Juan Bananas been doing it since the late seventies when he came to this country under the name of Juan Garcia. Besides that you can delight in your Bread hopefully it will touch fresh from the oven, Juan Bananas is an excellent tour guide. Ask advice!

Visiting San Blas is mainly about enjoying the beauty of the nature and spending your time relaxing on these incredible islands, think of it as a way to get away from it all. I find that it’s the small things that you can do on these multi-day, get aways that make them unique. Here are a few highlights of the speedboat trip I did with San Blas Adventures from Colombia to San Blas.

The San Blas trip is possible all year round. But you need to know one important thing: It’s windy season from December to March. This means there will be high waves, not necessarily around San Blas since it’s sheltered by a reef, but the journey over open seas can get rough (read more about the routes below). If you get seasick easily the sailing trip might not be for you. If you are adventurous and like the idea of sailing, then yes it’s for you!

The San Blas islands and Guna Indians have been the subject of numerous National Geographic articles. Indeed your experience will be right out of the pages of National Geographic. They offer two unbeatable attractions: Caribbean islands of stunning pristine beauty and an opportunity to visit the Guna people, a living Indian culture with a fascinating culture and way of life. In 2011 Lonely Planet selected San Blas as the #3 tropical paradise in the world: “Look up ‘tropical paradise’ and there will probably be a picture of the Guna Yala archipelago. These small islands (also known as the San Blas Islands) are part of the semi-autonomous territory of the Guna people with are part of the semi-autonomous territory of the Guna people and feature palm trees, gorgeous beaches, thatched huts and timeless charm. Big business hasn’t gained a foothold because the Guna rule the roost, with a series of laws to preserve the natural environment. So no ugly hotels spoiling the view and no package tourism polluting the vibe, just plenty of uninhabited islands to explore.” More info on San Blas adventures.