admin / July 20, 2023

Disney Travel Tips – What to Know Before You Go

It’s hard to imagine a more exciting, magical, and eagerly anticipated vacation than a Disney theme park adventure.And because the prospect of the trip is so exciting, the planning process can be half the fun. Here’s how to get started planning the trip of a lifetime – for a lot less than you might think.Order Your Free Disney DVDOne of the first things you’ll want to do is take advantage of the free Disney Parks Vacation Planning DVD. This official Disney DVD takes you on a complete tour of both resorts. Go inside the parks and get a bird’s eye view of the Disney complexes in both Florida and Southern California. Preview the water and roller-coaster rides and get tips on where to go and what to do. The DVD also features planning guides, information on affordable places to stay, things to do, and upcoming special events. You can order it on the official Disney Parks website. (Simply do a Google search for “Free Disney Vacation Planning DVD.”)Hotel DealsThe second thing on your list will be to find the best Disneyland and Disneyworld hotel deals.Keep in mind that you’ll pay lower prices on both lodging and park tickets if you book your trip during Disney’s off season, which runs from October through April.Disney resorts have a number of on-site hotels, which bring lots of advantages, including discounted ticket prices and, of course, convenience. But the experience of staying in a resort hotel comes with a price: as much as triple the cost of other hotels.If cost is the foremost consideration in planning your Disney vacation, begin an online search for hotels near the resort instead. Many of these neighboring hotels offer comfortable, clean lodging and may provide a complimentary shuttle service to the resort.Accommodations range from value-priced to deluxe, with amenities to match. Make a list of the features that are most important to you and refer to them when deciding on a hotel. If you don’t mind parking your car and walking instead of using the valet, or if you don’t mind limited room service, then you don’t need to pay more for a deluxe hotel stay.The distances to and from the park can differ, so be sure to ask about the location of the hotel in relation to the park, as well as whether the hotel offers complimentary transportation, such as shuttle bus or monorail service. There are lots of choices and you can find many different package deals depending on your budget and preferences. The Internet has made it so easy to compare Disney area hotels (and their amenities) at a glance.Saving on MealsDisney does not allow you to bring food into the park. But you can save money by having breakfast before entering the park and eating dinner after you leave. Lunch prices tend to be quite a bit lower than dinner prices at the restaurants inside the park, so you can experience the magic of a meal in the park for less.You will be permitted to bring in bottled water, which is much less expensive than buying sodas and bottled water inside the park.More Disney Travel Tips- Some hotels and travel agents offer discounts to nurses, teachers and government workers, as well as AAA, AARP and Entertainment Book members.- Make sure to purchase your tickets before you get to the park, so you don’t have to stand in line when you get there.- Read your tickets and passes and make sure you understand what you are paying for. Remember, too, that some rides have certain height requirements for children.- Walking the parks may be fine for the grown-ups, but you may want to either bring your own stroller or rent one for your child.- If you have a child who is too small for a particular ride, take advantage of the Disney “Baby Swap” option. All you need to do is tell the attendant. When you reach the front of the line, one parent will be able to ride while the other parent holds the child. When the ride is over, you switch. That way, neither parent has to sit out.- The weather can be unpredictable so don’t be caught off-guard. Make sure to bring an umbrella, ponchos and some cool weather clothing. Plan ahead for rainy days by having a list of indoor activities you want to do in the area, as well, just in case of an extended downpour.Though a Disney vacation may seem overwhelming during the planning stage, rest assured that a little bit of planning now will make for a more relaxed, memorable – even magical – vacation that you and your children will remember for a long time to come.

admin / July 20, 2023

Refinancing a Rental Property To Create Even More Profits

Refinancing a rental property is something which can be of immense benefit, if you know how to carry it out unharmed. Obviously, nothing in finance is always truly unbound, and you will find charges which the lender will inflict upon you. These have to be factored into every projection you are making as to if refinancing might be a great proposal. This is assuming, naturally, that the objective of your refinancing plan is to raise extra capital for purchasing other properties. It definitely does not have to be. There have been a lot of property investors who would start refinancing a rental property and then simply grab this money and squander it, counting it as being a tax-free reward for their effort.Should you have any aspiration to build up a property portfolio which can keep providing you with wealth for many years to come, it will be paramount to not deteriorate it by taking money out in such a way at the beginning. Refinancing a rental property for re-investment makes much more logic, also it will still be achievable to achieve a positive cash flow. It is in addition feasible to refinance a rental property, and be able to utilize the proceeds to diversify and invest into other things including stocks or bonds.A lot is dependent on your individuality. If you’re absolutely a hands-on individual, with a liking for having control over the principal investments in your life, you will no doubt most likely prefer to stick with property. You control most of the variables here, and work in an imperfect market. If a part or section isn’t functioning, it is possible to modify it. After you put money into extra financial instruments, you are very restricted as to what you can actually do. If the value doesn’t shift, you can do not a thing to help it move. You possibly can develop some degree of control with regimented trading, and by understanding how best to respond in certain circumstances. The point is, though, that retort is everything you will be able to do.Assuming you select refinancing a rental property for extra property growth, you will have directly condensed one of the main dangers inherent in this method of investing. Whenever you simply possess a limited number of properties, particularly if you have only one, you are at the mercy of a unexpected departure of your renter reducing your revenue to zero. Diversification brings a far greater amount of security. It does make common sense to diversify with another property of a very similar type, though, therefore you can use the insights and expertise you will have obtained from managing the first property to good effect.Momentum is vital for refinancing a rental property to work perfectly. It’s best to ideally have a portfolio of properties available to take off to as soon as the cash comes through, to ensure that you’ll be able to get it reinvested into property as speedily as achievable. It is an excellent idea to advertise for renters in advance, making sure that you will start seeing a return on your refinancing without delay. You do not want to be making the enlarged payments on your new financing package any longer than you have to without income coming in to cover it. Providing you can speedily get the rent in to cover it, refinancing may well prove to become an incredibly lucrative way to go.

admin / April 6, 2023

Top 10 Things You Must Know About Life Insurance

The more you know about how your life insurance works, the easier it is for you to seek for the right insurance plan. The more research you have made on life insurance policies, the better for you to avoid any possible pitfalls when it comes to insurance purchase.Here is a list of 10 key things on life insurance which everyone should be aware of,1. Shopping around save moneyIt definitely pays to shop around because premiums vary widely across one Insurance company to another. Getting yourself equipped with the necessary insurance policy information will facilitate your searching for the best optimum Insurance plan.2. Just get what is neededMake sure you are not under insured because you are unlikely to get the needed benefits if you are under-insured. Also ensure that you do not over-spend on life insurance because buying more than what you need is a waste of money, just get what you believe is sufficient.3. What happen in the event of delinquent payments?You are normally given a grace period of 30 days to make payment on your premium. However if you have not paid within the grace period, your policy will lapse. In the case of permanent insurance policy, if you are late on your payment, your cash value amount will be deducted accordingly by your number of delinquent days.4. What is the best age to get your Insurance?The younger you are, the lower your life insurance premiums will be. The reason is because your risk of dying is lower when you are younger.5. The healthier you are, the better the ratesHealthy people tend to get the best deals when it comes to life insurance.They will be able to get a better rates as compared to those with health problems, e.g, smoking, being overweight or with heart disease.6. Is the result of my medical exam crucial?The status of your medical exam results will determine what kind of Insurance rates you will be offered by the insurance company. Your height, weight, health, life-styles are all taken into consideration.7. Will having more than one policy cancel the other one out?Not at all. If you have a credit life insurance policy and a whole-life insurance policy, and you paid all the necessary premiums, both policies will pay out according to the initial terms of the policy. The credit life policy will pay off your credit card balance and the death benefits will be paid out on your whole life policy.8. Can I buy a life insurance policy on someone else?Yes, if you have insurable interest for that person, normally for a close relative or friend, you can buy insurance for them. However, the official stipulation here is that that person must know about it.9. Review your coverage regularlyChanges in your life signals the need for a review of your overall financial plan. Always ensure that your coverage is intact with the changes you have gone through such as marriage, birth of a child, impending retirement, retrenchment, promotion have effect on the insurance coverage that you may need.10. Compare the ratings granted on your finalized list of Insurance companies.These ratings are provided by several rating agencies such as S&P and Moody’s. Choose a company with higher rating which has more renowned reputation and consider for their better services and fast claim processing.

admin / March 25, 2023

How to Get a Bad Credit Business Loan – 3 Things You Must Know

Finding bad credit business loans may seem like impossibility as a business owner, given the restricted credit environment that we currently find ourselves in. The best option for any business owner is always going to be a loan backed by the Small Business Administration and funded through an SBA approved bank. The reason for this is that these loans usually have the most advantageous interest rates & terms. However, the majority of business owners will not qualify for this type of loan due to the restrictive underwriting requirements.Below are three options a business owner needs to consider if they hope to get business working capital in the current environment, especially if the business or personal credit has taken some hits due to the recession.1.)If You Own Commercial Real Estate – If you own the building or property that your business resides in and you have a good amount of equity, you may have a real option here that is comparatively affordable. The key thing to look at is how much you believe the property may be worth, how much you owe on it, and how much you are looking for in a loan. The advantages with this option are that even with bad credit, the rates will likely be the best of any option because you are securing the loan with real estate. Most commercial property lenders will go to 70% of the appraised value of the property, minus the amount you owe as a loan amount.The downside here is that that processing time may take upwards of 90-120 days and the property will have to be appraised. Usually this appraisal fee is a hefty, low 4 figure expense that comes out of pocket with no guarantee that the value needed will be the one the appraiser actually comes up with. So keep in mind that while this may be the most affordable option if your credit is difficult, it may also take the longest, and you may end up empty handed if the appraisal comes in low.2.) If You Have a lot of Equipment – Businesses that are equipment intensive such as restaurants, construction companies, etc may have an option for a secured equipment loan. This is a loan, usually in 3, 5, 7 or 10 year term with a balloon payment that is secured against the appraised value of the equipment that your business possesses to operate. Keep in mind you have to own the equipment outright, and not have being leased or financed to you currently. Minimum loan amount for a loan of this type is usually a $100,000, though you may find some lenders or brokers who will work with a slightly smaller amount. The rates are fairly reasonable for difficult credit situations because the loan is secured, but it may take 30 days or longer to get the funds and the equipment in question will need to be appraised.3.) If Your Business Accepts Credit Cards – This option, known as a merchant cash advance, is the quickest of the three, meaning these loans can put funds in your hands in a matter of days or weeks. These loans, technically called “advances” usually come from credit card processing companies, or merchant cash advance companies. While they can get the cash quick, they also charge exorbitant rates as high as 50% with large upfront fees and may come with a requirement to buy new swipe equipment and switch credit card processing services. This unregulated “advance” is usually predicated off of businesses’ credit card receivables.Credit Card Receivable Financing – This is a new player for bad credit business loan and is similar to a merchant cash advance, with low documentation and quick funding, but with interest rates that are 50-80% less than a traditional merchant cash advance. Additionally, these are true regulated business loans that carry no upfront fees or requirement to switch processors or buy new swipe equipment. As of this writing, they can handle owner credit scores down to 550 and a loan amount as high as $500,000. According to my source, they can usually get a zero cost pre-approval in 48 hours and fund the loan in 7-10 days.

admin / March 25, 2023

Small Business Loans for Constructing the Future

The small business loans category in today’s marketplace has expanded in order to meet the needs of twenty-first century entrepreneurs. Innovative technologies are all but necessitating a changing of the guard, so to speak, in terms of how wares are bought and sold through a variety of mediums. Although the way business is being done these days carries with it a variety of nuances, many mortgage lenders are still using the same old formula to qualify their prospective borrowers. Whether seeking a construction loan or looking to enhance business operations or both, the requirements for getting approved on a variety of small business loans are relatively consistent across the board.Loan applicants may want to find out as much as they possibly can before delving into the multi-faceted world of business, such as how mortgage rates today will play a role in the here and now, but down the road as well. Commercial loan rates, for example, are often a few percentage points higher than home loan rates, as well as the duration of each loan in question.While much of this information can easily be found elsewhere online, contacting a reputable broker and having a real-time conversation may help to clear up any confusion, yet it’s also a great way to find out exactly what is needed to apply for one or more small business loans. Finding a trusted broker is often one of the most important steps of the borrowing landscape as the screening process moves forward.Also known as liaisons to a variety of mortgage lenders, brokers are the ones who will be able to shop the loan requests around to see how they stack up by comparison. Before doing so, a number of puzzle pieces should already be in place, such as documented financial information: personal and business finances over the last three years, tax returns, and a respectable credit history as well. Small business loans are also approved or denied based on the viability of each proposed business model, meaning that a water-tight or virtual recession proof modus operandi may increase the chances of getting the green light.The above requirements will be part of a business portfolio that should also include the amount of the loan and a few industry-related projections accordingly. Depending on the type of commerce entailed, demographics may play an important role as well.A retail-based construction loan application, for example, will require specific data concerning targeted area populations and age groups, foot traffic, median incomes, projected costs, and expected turnaround times. When it comes to small business loans, a well-laid-out plan stands a greater chance of coming to fruition.With standard mortgage rates today remaining competitive, the amount of the initial down payment can also lower commercial loan rates significantly. While the same principle applies to a number of individual home loan rates, the savings on a commercial level can make a sizable difference.It’s also important to note that putting a larger sum of money down often signifies the type of drive and determination many mortgage lenders like to see in their prospective clients. Small business loans such as these are likely to become profitable over shorter periods of time; as the commercial loan contract eventually reaches maturity, other financial incentives are likely to appear.Covering all of the bases can never be overstated when applying for a construction loan, or any other start-up business that requires additional capital. When executed methodically and properly while planning ahead for possible snags, the hard work waiting in the foreground may become less of a burden. While finding the lowest commercial loan rates possible may be a key factor, getting established may be the most important thing of all. The small business loans model of today is designed to help loan applicants reach their intended goals.