Have Wi-Fi, Will Borrow

Have Wi-Fi, Will Borrow

When you read about urban smog, crime rates, and the rising cost of city living, the country is looking better and better. There come certain advantages to living far away from a city like Toronto, Montreal, or even Vancouver. You have the world at your front door, with some of the world’s most beautiful landscapesat your disposal. The people are more relaxed and friendlier, too. And if you ever feel like you’re missing out, you can always drive to the nearest city and catch up with the latest cuisines, theatre acts, and concerts.

You’re big enough to admit, however, that remote living isn’t for everyone. Some people just don’t like the outdoors as crazy as that sounds. Others find the thought of living in a town of less than 10,000 people too isolating. If you’re used to having everything you could want (and more) within one city block, then the woods can be daunting.

Even you find it hard to find all of the commodities you want. Luckily, Amazon Prime exists, so even though you don’t have a major shopping centre in your area, you can pick up the latest fall fashions, stockpile on the latest gadgets, and watch the latest series with a few clicks of your mouse.

Finding a reliable payday loan, on the other hand, can be a challenge. People often think you need to speak with a loan specialist in person before you can apply or receive a simple cash advance. It’s an easy mistake to make. Banks have a lot of bureaucratic red tape that makes these in-person interviews necessary. These strict regulations are also what makes it difficult to find fast-acting assistance in the face of time-sensitive bills.

Luckily, the same rules don’t apply to the payday loans Canada offers. You can find payday loans online that are 100% online. Despite having storefronts in big cities like Vancouver and Toronto, lenders like GoDay prioritize their online practices. They understand it isn’t always possible to get to these stores during business hours for busy people who work long hours. That’s why they’ve created a way to apply, receive, and repay their payday loans at GoDay.ca.

Ranging from $100 to $500, their loans are small yet powerful, perfect as a cash stopgap between your bills and paycheque. They can be used to cover any cash shortage, but the specialists at GoDay recommend you only rely on them in extraordinary circumstances. They’re ideal for non-recurring events like an unexpected bill or repair, not long-term projects, frequent payments, or big purchases.

Take the time to see what’s available. By spending only a few short minutes online, you can find assistance that helps you through financially tough times. Just make sure to read up on their rates, terms, and conditions to make sure their help is within your means. All you need is access to the Internet and you can have the convenience of online payday loans without needing to ever leave your corner of the woods.

Some of the Best Neighborhoods Found in Miami

Some of the Best Neighborhoods Found in Miami

Miami is an amazing city and it is no surprise, therefore, that property and neighborhood development company Terra Group is so focused on it. It is known as the “Magic City”, and it attracts people from all over the world. Because of that, however, space is running out and this has given rise to condos that are built vertically. For many, living in Miami is about living at the beach, but there are other neighborhoods as well. What the Terra Group wants to do, meanwhile, is build sustainable communities all across South Florida. Hence, they have developed a list of the best neighborhoods in Miami, in which they may be able to achieve that.

Miami’s Best Neighborhoods

Brickell is perhaps the best part of Miami. It is home to beautiful and luxurious towers, with chic condos like the Plaza, Icon Brickell, and the Santa Maria. Brickell is not found right on the beach, but it is just a few minutes’ drive away. What makes Brickell so interesting, however, is that it is an elegant and cosmopolitan area that is now seen by many as “Manhattan with better weather”. It is a trendy place, with equally trendy nightlife.

Then, there is downtown Miami. Only recently has this been redeveloped to include true high quality architecture. The Quantum on the Bay is one of the newest high rise buildings there, as is Ten Museum Park, One Miami condos, and 900 Biscayne Bay. Here, people can enjoy upscale living but in the heart of the city itself.

South Beach is also home to various luxury condos. The Murano, the Icon South Beach, and the Continuum are just some examples of this. The truly upmarket condos are close to the ocean and within walking distance of the restaurants and the famous nightlife. They all look over downtown Miami and/or the Biscayne Bay. People from all over the world try to get a second home here, not in the least because it is so pedestrianized as well.

Miami Beach is to the north. This is perhaps the best place for those who like to be on the oceanfront. The Bath Club and Mei Miami Beach are just two examples of fantastic opportunities that are available there. Close to the see, at Bay Harbour Island or Biscayne Points and other parts of North Miami Beach, you will find some of the most elegant homes.

Finally, there is Sunny Isles Beach, an upmarket oceanfront neighborhood. The luxury high rise buildings here, such as the Jade Beach and Jade Ocean, are famous the world over. It is incredibly luxurious, offering true five star living. It is home to Trump Royale, for instance. Beachfront properties here are within walking distance of shopping facilities such as the exclusive Bal Harbour Shops and the Aventura Mall. In fact, many consider it the best place to live in South Florida, and it is just a 20 minute community to downtown Miami and South Beach as well.

Six Private Equity Investment Secrets

Six Private Equity Investment Secrets

There are many people who like to call themselves private equity investors, not in the least because this is a world of big money. In reality, however, few can truly make it in this world, because the smallest mistake can cost millions and most people are quite unforgiving of losses of that magnitude. Gregory Lindae, a seasoned veteran in the world of private equity, has come up with six “secrets” that anyone in the business should be aware of if they want to be successful.

Secrets to Successful Private Equity Investments

  1. Be in the right place at the right time. Ideally, a private equity investor is able to find out about opportunities before anybody else. Usually, they do this by networking with entrepreneurs in online meetings, conventions, business events, and so on. Good investors, therefore, are always on the move, looking for the next big deal.
  2. Always research an opportunity. Good investors have a distrustful nature. Even if a company gets tons of positive feedback, no complaints at all, and offers airtight projections, there is always a “what if”. A good investor finds companies that focus on a sustainable and large market, who have an excellent exit strategy, and who have realistic financial projections in place.
  3. Always evaluate the management and leadership team. Good firms worthy of investment have strong management teams in place. This means there is a good business opportunity that attracts talent. Management teams should have years of experience and they should be able to demonstrate high investment returns.
  4. Always look at the exit strategy. Private equity projects are eventually refinanced or sold, at which point the liquidity event or exit strategy should kick in to offer investors’ their rewards. The exit strategy should be properly understood before embarking on a project.
  5. Always exert due diligence. A good private equity investor looks for funds that are in line with their own goals for investments as well. This means that they will peruse over the business plan of a prospective company, read all the information that is available, ask a thousand questions, and more. Only then should they even begin to consider whether or not to invest.
  6. Focus on diversification. Private equity is a form of investment and any financial expert will tell you that the only stable portfolio is a diverse portfolio. Through diversification, and particularly in private equity, money becomes more secure. While it means that gains may not be as massive as they would be if all money was invested in a single project, it also means that losses aren’t absolute.

Good private equity investors know all of this. Those looking for private equity investors, however, often don’t know this. According to Gregory Lindae, becoming more aware of how things work – or should work – will ensure that people gain greater security with their investments as well. Research, due diligence, and a healthy dose of common sense is all that is really needed in terms of choosing a private equity expert to work with.

Avoid Scams When You Call Nigeria

Avoid Scams When You Call Nigeria

The Canadian government considers Nigeria one of Canada’s “priority markets” – it’s one of the largest English-speaking countries in the world, its economy is developing rapidly, and the two countries trade nearly a billion dollars worth of merchandise every year. But if you’re doing business in Nigeria, importing Nigerian products, or working with partners there, finding a reliable, high-quality long distance calling service isn’t always easy.

Calling card companies are often a frustrating and unpredictable way to make business calls. They’re unreliable, offering little to no customer support. They often come with hidden fees that will eat away a considerable chunk of the time you thought you’d purchased. These hidden fees are how most of these companies earn money, and there’s almost no way to directly compare card providers. Sadly, these cards are a great opportunity for fraudsters; one report Scam Detector reports that prepaid calling cards offer, on average, only 60% of the promised talking minutes. Just about anyone can set up these companies as long as they can sell enough minutes to afford their technology provider, and they go in and out of business easily.

When you have business partners, suppliers, or clients in Nigeria, calling Nigeria from Canada is a necessity, but it doesn’t have to be expensive. There are alternatives out there that are more affordable, offer no hidden fees, and that give you a high-quality calling experience. How can you tell the good companies from the bad?

#1 Reputation

With international calling companies, reputation matters. Expect your provider to be accredited with the Better Business Bureau and read online reviews from customers. Thanks to online reviews, you no longer have to make purchases in the dark.

#2 Superior Partners

International calling companies are third parties that buy routes from telecommunication companies that own infrastructure, either through VoIP or the major carriers. International calling companies like G3 Telecom provide carrier-quality phone calls because they partner with major global carriers to offer better routes for your phone calls.

#3 Transparent Rates

When you’re calling Nigeria from Canada, you should get what you pay for. You should know exactly what rate you’re paying per minute when you call Nigeria, something you can find on G3 Telecom’s website by looking it up ahead of time. Using their app also gives you automate rate calculations right on your smartphone.

#4 A Free Trial

With so many scams out there, a free trial is a zero-risk way to find out whether or not the company is the real deal or not. If they’re just out to claw back as much money as possible in hidden fees, they probably aren’t even offering a free trial. It’s a great way to test the waters, compare the phone quality, and get used to the service before committing to it.

#5 Mobile App

Last but not least, mobile apps are finally beginning to change the way that people manage their international calling accounts and call their friends and family. The mobile app from G3 Telecom removes the need to dial your PIN when you’re calling, all you do is tap your contact list. It also offers rates as much as 90 percent cheaper than your ordinary mobile phone provider, but otherwise offers seamless calling from your smartphone. Mobile apps make calling Nigeria from Canada easy for businesspeople and professionals. You don’t have to deal with companies that try to keep you in the dark. Transparent, affordable rates and quality long distance calling are available.

Avoiding a Foreclosure Through Forbearance – Pros and Cons

Avoiding a Foreclosure Through Forbearance – Pros and Cons

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A lot of people hope that a forbearance agreement can help them to avoid foreclosure, and it often can. However, it should not be seen as an easy way out of a difficult situation. In fact, if you are facing foreclosure and you want to consider a forbearance agreement, do make sure you speak to a specialist like Stephen Buzzi first, so that you increase your understanding of what it is, whether it is right for you, and whether or not you can comply with the terms.

How Can a Forbearance Agreement Help?

Essentially, under this agreement, you will be able to receive special terms on your loan for a set period of time, usually no more than three months (although extenuating circumstances can increase this to a year). After that period of time, your normal payments will return, with an increase to pay back the payments you have missed.

Essentially, this agreement gives you a little bit of breathing space to your finances back in order. At the same time, however, it is very risky because, once your term is up, your payments will increase, and often substantially so. If, once your forbearance agreement is up, you cannot make the new repayments at any point, the lender will be able to proceed with foreclosure.

Another issue that you have to be aware of, is that your foreclosure agreement will be reported to the credit bureaus, and it will look as if you have been delinquent on your payments. Hence, your credit score will be negatively affected. Should your rating already be less than perfect, you could find yourself in a high risk category. While this may not seem so big of an issue now, if you were to find yourself with further difficulties at a later stage, you will struggle to find any help suitable for you, including foreclosure prevention.

Furthermore, forbearance agreements impact your escrow. This means it also impacts your property taxes and your insurance. Every installment, some money is placed into escrow to ensure annual expenses are met. Should you have a forbearance agreement in place, no money will be able to go into escrow and this means that you could end up not having enough money to pay taxes and insurance. When that happens, the forbearance agreement can be voided, and foreclosure can commence.

Should You Avoid Forbearance?

The above makes it sound as if forbearance should be avoided at all costs, which is definitely not the case. It is an excellent option for people who find themselves in a short-term difficult situation and who want to avoid foreclosure. It is simply very important that you are fully aware of all the risks that are out there, and what these types of agreements really mean. Naturally, if you speak to Stephen R Buzzi first, he will assist you in making sure that you know exactly what the agreement means, and that you are sure that it is a suitable solution for your particular situation.

The Biggest Investment Mistake and How to Avoid it

The Biggest Investment Mistake and How to Avoid it

Have you ever been skydiving? Most people haven’t but most people do know some of what it involves. Mainly, they know that, on your first few dives, you will be jumping in tandem, rather than being thrown out of a plane by yourself. The reason for this is that, whenever you start something new, you have to have an expert to hold your hand while you do it.

Gregory Lindae isn’t a skydiving expert, but he is an investment expert. And the biggest mistake he sees people make again and again, is that they believe the can read a little bit of information online, such as on Wikipedia, and believe they suddenly know it all. The reality is that you can read as much as you want, you will never have real life experience unless you have an actual go. But, just as with skydiving, there is no room for mistakes. They say that, if at first you don’t succeed, you should simply try again, but this, for obvious reasons, isn’t possible with skydiving! Similarly, it is not really an option with investing, because you will lose all your money if you don’t succeed.

The Other Key Mistake to Make

The reason why so many people who invest for the first time do things wrong, is because they are driven by their emotions. Did you know that studies have shown 96% would prefer to burn their mouth than to wait for food to cool down? And that 50% of people hang up the phone if they have been on hold for a minute? We want instant gratification, something that simply doesn’t exist in the world of investment.

Gregory Lindae also warns that we are no longer in the 1999 or 2000s, when stocks just grew and grew and people made millions overnight. At the start of 2000, there was a 15.6% drop in shares, and people panicked, selling everything that they had. Had they hold on to their stocks, they would have been sitting on quite a lot of money today. But that would have required patience, something that beginner investors in particularly do not have.

Similarly, those without experience often miss golden opportunities. Take solace in the fact that even Warren Buffett has been guilty of this. He once recommended people didn’t invest in big tech, including Amazon and Google, something that he now feels a lot of guilt about. He didn’t believe in tech systems himself, and that was a mistake.

Key to being successful, clearly, is to work together with an expert, someone who knows the ropes. But even that isn’t enough. It is best to have things checked and double checked, because even the experts have emotions. This is why people like Gregory Lindae always get second opinions on any decision they want to make, and they recommend their clients do the same. By building on the success of others, you have the greatest chance of becoming successful yourself.

Private equity: The regular myths debunked

Private equity: The regular myths debunked

It’s painted in all sorts of lights, but few disagree that private equity is one of the most lucrative industries around. Succeed here – and the riches can be beyond your imagination.

Of course, this sort of reputation also leads to countless misconceptions. Every month we see masses of information published on private equity and unfortunately, a lot of it is inaccurate.

While we don’t have a dissertation-like word count to mull through all of the misinformation we have stumbled upon over recent times, we are going to discuss some of the most common myths that this industry throws at us.

Myth #1 – It’s all about the exit strategy

As you’ll see with a lot of the myths that we analyze, a lot may have “once” been true. In other words, they have become outdated, which is why they are now myths.

This first one about exit strategies most definitely fits this description. Nowadays, private equity firms don’t have one eye on the exit, many are about the long-term approach. Sure, most still sell within a set period of time (usually five to seven years), but it’s not a case of getting out and making a quick buck like it once was.

Myth #2 – Private equity firms just want to appoint their own team

This is one of the primary reasons why private equity has a bad name amongst some sources. A lot of people believe that they like to just step in, strip a team out, and implement their own people. Once upon a time this may have been the case but suffice to say, times have changed.

In fact, you only have to analyze the philosophy of Marc Leder from Sun Capital to see this. He has publically said that one of his primary questions when scrutinizing a company is to see if there is an existing management team he can take advantage of. In other words, if this doesn’t exist it’s a major turn-off, for the simple reason that there’s nobody who can aid him with the existing workings of the company.

Myth #3 – It’s all about the big money acquisitions

This final myth couldn’t be any further away from the truth. The reason a lot of people think along these lines is because all of the news headlines center on the big acquisitions – the ones worth tens of millions of dollars (or more).

What people don’t realize is that there’s a whole other private equity industry. There’s one that hones in on small to medium sized companies, and this is just as vibrant. Sure, it might not have the huge profits attached that some deals have, but it’s a business in its own right and some investors perform very well with this approach.

It could be said that this links in to the previous myth as well. As PE firms were so renowned to appointing their own team and “forgetting” about the existing structure, a lot of smaller businesses opposed the practice. Now this has changed somewhat, this part of the industry has opened up.

Why Medicare should be protected at all costs

Why Medicare should be protected at all costs

Of all the programs delivered by our government, Medicare is one of the most important, as it provides the elders in our society health care they otherwise might not be able to afford.

Despite this, an alarmingly large number of politicians are targeting this program for cuts in the name of deficit reduction.

This is concerning to James P DeVellis, a doctor in Massachusetts. Having gotten to know many of his patients on a first name basis, he worries what will become of them if cuts render some unable to afford treatments he recommends.

Many of our elders live on a fixed income. If costs were to rise dramatically due to them needing to pay astronomically high health insurance premiums, their way of life would suffer tremendously, or they would have to live the twilight years of their life without coverage.

The population of older Americans continues to grow. If we want to make things better on the health care front, we must protect and expand Medicare, not cut it.

In this article, we’ll explain why we need to mount a spirited defense of the most vital program administered by our federal government.

They keep older friends, family, and fellow Americans healthy and stable

No one should ever have to face the hardship of paying for an expensive illness or injury after spending a lifetime providing value in the workplace.

Inevitable health conditions wrought by aging make the issuing private insurance to older adults an unprofitable practice for health insurance companies.

Recognizing this, government stepped in more than a generation ago to protect seniors during their golden years.

As a result, no one presently over the age of 65 worries that their diminishing sight, a worsening heart, or developing Parkinson’s disease will burden their finances or those of their children.

Medicare is an indirect source of funding for health care infrastructure

Medicare didn’t just improve the lives of the elderly years ago, the influx of cash it unleashed played a role in helping make American hospitals some of the most advanced in the modern world.

Before then, hospitals didn’t have the number of voluntary admissions they have these days (on a per capita basis).

With the government bankrolling them, though, the number of patients over 65 increased drastically after the implementation of Medicare.

The injection of all this capital had a massive effect, as medical centers suddenly had the cash they needed to boost their services to the next level.

Cutting edge machines, medical professionals, and research scientists were just some of the things this money attracted.

Cuts to Medicare threaten this flow of capital – if they happen, America’s standing in health care will decline in short order.

It is a good blueprint for the institution of a single-payer system

While Medicare isn’t the panacea for all our health care problems, it has shown itself to be the superior delivery method for those 65 and older.

When you think about it, shouldn’t a program that has worked so well for our elderly be able to work for everyone else?

Progressives and common sense conservatives have aligned on this issue, as both want a health care system that doesn’t loot our pockets to give us substandard care.

While this effort will take more than just removing the age restrictions and calling it a day, more than a generation of success makes Medicare a great place to start when creating a single payer system capable of providing world-class health care to any American who needs it.

Robert Bassam – How Does a Used Car Inspection Help to Seal the Deal?

Robert Bassam – How Does a Used Car Inspection Help to Seal the Deal?

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When you think about the tools most important to help life run smoothly, a car is one of the highest on the list. Cars are a key part in moving people around and having a smooth daily life. Owning one takes a bug responsibility and a cost commitment as well. When we dream of a car we tend to dream of new cars but the reality is that used cars are purchased more often and they may be a smarter choice for the majority of the population. Used cars allow for the most expensive aspects of car purchasing, their newness, to not be a factor in the price. As a result a buyer can get most of the same features of a new car in an automobile that is only a few years old but sells at a hugely reduced price compared to the new one.

Buying a used car however takes a particular set of guidelines and those seeking to do it must be cautious, because what you see is not always what you are getting. There are two routes that you can take to purchase a used car; either through a private sale or a dealer. Here is how you prepare for each:

Buying From a Dealer

When you purchase a used car from a dealership you get a real business with professionals in the business of selling cars. Used car dealers like Robert Bassam, make a living of supplying customers with used cars that they happily drive for years. If you are considering buying from a used car dealership, the most important things you need to do are to check the reputation of the dealership. You can do this online and look for feedback from customers. If they are happy about their purchase the dealership’s service there is a good chance that you will be as well. Is you find a dealership that does not market themselves online or that does not allow customers to leave public comments, this is a warning sign of potential trouble.

Also it is important to check the range of fees added to the price of the car from the dealership. These fees are sometimes high and need to be negotiated out of the purchase price. Look to do this at the closing when they are really motivated to make the sale. You can easily save yourself hundreds of dollars by understanding what things can be eaten by the dealer.

Buying From a Private Seller

When you purchase from a private seller you run a lot of risks and you need to be extremely cautious. First make sure you do not meet anyone at night and always take along someone with you. Finally when you agree to a purchase, never bring cash and do the sale at a bank if possible. Here is a checklist for you to put to the owner of the vehicle:

  • Who is the listed owner of the car?
  • Did you buy the car new? If not how many owners has the car had?
  • Do you have a vehicle report for the car?
  • Has the car been in any accidents?
  • Why are you selling the car?

What is as important as the answers you get, is the demeanor of the seller when he is answering the questions. Does he seem truthful? Is he willingly giving you the information you request? Do his answers make sense? Any sketchy answers is a warning sign that something may not be right and you should abandon the purchase.

If you are thinking of purchasing the car, you should hire a licensed mechanic to do a full inspection of the car. Many cars that look great have severe underlying issue that can cost you thousands of dollars. Only a certified mechanic will know what to look for and be able to give you expert advice on what you may be getting yourself into. Pay this persona and take his advice no matter how much you love the car. If there are repairs that need to be made and you still want the car, size them up and negotiate these repairs into the purchase price.

Gambling and Good Fun All In One – Four Great Games To Play

Gambling and Good Fun All In One – Four Great Games To Play

Gambling has always been one way to enjoy a good game. Knowing that there’s potentially a prize at the end of it makes it all the more rewarding. Whether you buy a powerball ticket to give yourself a chance of winning the lottery, or you link up with some friends and go along to the bingo, it’s all fun and games and an overall source of entertainment. Here’s 4 types of gambling games that are great to play.

Bingo

This is a game that’s largely associated with the elderly and family gatherings, but it really is a classic that everyone likes to get involved in. It’s always a thrill to have all your numbers called, then victoriously shout ‘bingo’. It’s a game that definitely promotes sociability as it joins many eager hearts together, all desiring to be the next winner. The link between older people and bingo is not far fetched either, this has been found among many whom age is beginning to take its toll on and health is beginning to deteriorate. This game has been know to bring laughter, well-being and something to look forward to to many elderly, which is why this game should be appreciated all the more. Bingo is most definitely one of the most popular and most played games around the world and brings people in 10s or 100s together.

Poker

Get your poker faces to the ready and cards in hand because it all starts to get tantalizingly tense when poker begins. This is a game where you can’t let your guard crumble or you’ll be crushed. Poker also helps you to develop useful skills that can be used throughout life because it in and of itself is a game that requires a significant amount of expertise. Increase your mathematics by calculating your pot odds, become more strategic by outthinking your opponent or gain money management skills by weighing up how much money you can spend in order to stay in the game. By the end of a few rounds of poker you’ll be a mastermind.

Lottery

It’s not only winning that makes this game rewarding but the lottery is enjoyable regardless. However, this is definitely a game that is worthy of all the hype that it generates because of the chance, though small, of winning millions, billions even. Just check the powerball results and you’ll soon see the 8-9 digit figures to be had. This is definitely one of the reasons why this game has become so amiably addictive. It’s a game that everybody is playing and that everybody is out to win. People from all walks of life, no matter how financially stable or unstable, are all lured by the thought of landing a jackpot that is out of this world. There are both social and economical benefits that this game has that makes this game all the more beneficial whether won or lost.

Raffle

When christmas parties and fundraisers are around, then the raffle comes out. The prizes may not seem as rewarding as the lottery when the raffle comes along to kids parties, nevertheless it provides entertainment for all ages. You can bring a community together for a good cause or you can just enjoy an online raffle game in the company of your own home, there’s diversity when it comes the raffle.