Answering some questions on equity loans and business loans
Answering some questions on equity loans and business loans

What is the difference between an equity home loan and an equity business loan?

Any equity loan is secured by assets that are owned by you. An equity home loan uses as equity that value of the property that is wholly owned by you to secure the loan. In the case of an equity business slogan, assets that have been acquired by the business for its functioning may be used as equity.

Why do equity loans come with lower rates of interest?

Equity loans are loans or a line of credit that is offered using your property as collateral security. Since such a loan is fully secured, it proves to be less risky for the lender. It is for this reason that banks and other financial companies can offer equity home and business loans for better loan tenure and at the lower rate of interest.

What kind of questions will a lender ask?

This depends on the lender, but according to the SBA, there are in fact some standard questions that one should be prepared for:

  • The reasons for applying for a business loan?
  • Which department or area of interest would the loan proceeds be applied on?
  • Nature of capital expenses – buying assets or incurring substantial costs should be disclosed along with the supplier details
  • What other debts relating to business does the business have and who are the creditors?
  • A detailed profile of the Management personnel (team).

What kind of questions should the business be prepared for, when they meet the potential lender?

  • The requirements of the potential lender must be asked in detail – especially the aspects relating to paper work. It is quite known that paper work takes away most of the time and it would be prudent to equip the business with it.
  • Will the potential lender be prepared to address the business needs? Do they believe in the business
  • How flexible are they regarding offering certain leverage on repayment terms, interest rates, prepayment penalty, etc.,
  • The terms of the business loan by itself should be as clear as water with no ambiguities. Risks associated with the business loan should also be studied in detail.
  • Advantages of cable TV bundles

    Cable TV bundling is the newest option that has swept the minds of most the people in the United States. They are the best among the offers provided by cable providers. This package allows you to enjoy two or three services such as cable TV, home phone, and internet complied into one single bundle. As the package is available from the least price to the costlier one, many houses are benefited with this service and makes it a convenient option.

    Bundles are convenient to use:
    Convenience is one of the major advantage that increases bundles’ ratings. This way you need not pay two to three bills separately for each provider which seems to be pretty expensive and your money goes a waste. A bundle package consolidates everything into one single bill along with which you might get discounts and concessions for by making use of more services from the same provider. Suppose if you are in need of all three services, it’s a smart move to purchase all the three from the same provider. This dealing will also give solution to service issues more straightforward. If you have a problem with the cable and the internet, you can contact one company to rectify the problem.

    A cost-effective option:
    In order to attract customers to purchase bundles, cable providers offer more than one services often placing steep discounts on bundled packages. Suitably opting for an all-inclusive bundle may help you save considerable amount of money when compared with purchasing services from different providers. People who are looking for something like this should be aware that these providers are flexible to negotiate pricing on upper tier packages such bundles.

    Enhanced service options:
    Even after in terms of reduced pricing, cable TV bundles routinely includes additional features and services like unlimited bandwidth on internet access that may be given free of charge or access to numerous high definition channels or programs could be seen without an expected raise of money. So, if you want to enjoy premium features without paying premium fees, bundled packages is your best bet.

    Availability of cable bundles:
    Additional advantage is that cable TV bundles are available almost universally in all the cable companies. Which means that you have several options of bundled packages to choose from in different brands. eventually this will lead to an increase in competition creating even better pricing.

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  • Types of health insurance plans available

    Getting a health insurance is undoubtedly a must have. When you are searching for the best health insurance quotes or scouting for popular health insurance plans, it is crucial to compare various policies. Here are some of the health insurance plans that are available in the country.

    Health insurance plans fall under the following categories:

    • Health Maintenance Organization (HMO)
      An HMO plan requires you to avail of health care services only through a specified network of medical professionals, thus limiting greatly your choice of doctors. You would require a primary care physician to refer you to a specialist if necessary.
    • Preferred Provider Organization (PPO)
      Under the PPO plan, the flexibility with regard to choice of medical professional is more. If you consult with a doctor who is not on the network, then your costs would be higher.
    • Exclusive Provider Organization (EPO)
      Under an EPO plan, there would be no option of consulting a doctor who is out of the network, as such a physician’s costs will not be covered under the health insurance policy. However, you do not need a primary care physician’s referral.
    • Point of Service Plan
      A Point of Service Plan covers the HMO and PPO plans giving you a moderate degree of flexibility with regard to choice of doctor. You would be assigned to the care of a primary care physician who could refer you to an in network practitioner in which case, costs would be covered. You could consult an out of network doctor but have to pay those costs out of pocket.
    • Catastrophic Plan
      A catastrophic health insurance plan can be applied for if you are under the age of 30, which comes with a lower premium and requires a minimum of three visits to the primary physician before the deductibles will apply.
    • High Deductible Health Plan
      The advantage of the Highly Deductible Health Plan with Health Savings Account is that you can put aside money at intervals into this account to pay for your health care needs so that when the policy does not cover your expense, you have this savings account to fall back upon.
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  • 1400 calorie diet plan

    It is important to eat healthy and keep your diet in check. It is healthy to consume 1400 calories a day. You can choose from several free diet meal plans that you can choose from. Below is a 1400 calorie meal plan, that can be tweaked a little, and personalized.

    Breakfast: ½ a cup of egg substitute, or a whole egg, and 1 white egg with a teaspoon of butter (which of course is optional), makes for the most famous breakfast delight. Additionally, a cup of cantaloupe and whole wheat bread or an English muffin should do the trick.

    An optional menu to this would be a cup of fat free milk, ½ cup of strawberries, and a whole wheat muffin. Most people do think that stopping butter and oil will help you reduce weight. But in reality, our body needs the basic needs of nourishment, and one teaspoon of butter would work out well.

    Snack: Always remember that eating more than three meals a day is necessary. Eat in small quantities, but eat more often. Two tablespoons of granola + ¼ cup fat-free milk or one graham cracker, can fill your little biscuit urges. Consume this with one cup of fat free milk with two tablespoons of chocolate syrup.

    Lunch: Milk is the healthiest item we can all consume. A cup of fat-free milk, would do you best. You need some whole food to last you the entire day. Peanut butter and jelly is a good combination for a light lunch. You can eat two tablespoons of jelly or jam with two slices of whole wheat bread. In case you don’t have a full stomach, ½ cup celery sticks and ½ cup baby carrots can be a good filler. To replace the sandwich, you could make do with a roll, which should be about 2 ½ inches. Add in all your collection of fresh greens and veggies, you can add one cup of the greens, 1/3 cup carrots, 1/3 cup tomatoes, 1/3 cup cucumber, ½ cup canned chickpeas, 2 tablespoons chopped eggs, and finally 2 tablespoons of reduced calorie dressing. It would be your pick to add in any more special ingredients you would like.

    Dinner: This would, as the saying goes, be your beggar meal for the day. This is the time where you eat the least. Two cups of mixed greens, with just one tablespoon of reduced- calorie dressing. A cup of whole wheat spaghetti, ¼ cup of meatless pasta sauced and two tablespoons of parmesan and chopped basil would make for a perfect supper meal. Remember, you need to eat less, but just enough to last you your sleeping hours.

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  • List Of The Best Fish Oil Supplements For A Healthy Body

    Fish oil definitely is a super supplement that maintains body fitness and also improves the overall health condition. That doesn’t mean that one has to consume fish, there are lots of fish oil supplements that can easily help in achieving the goal. In fact, millions of Americans take fish oil supplements as they know that it will improve the overall performance of the body. Fish oil also rejuvenates your overall health and provides great energy.

    • Nutrigold Triple Strength Fish Oil
      This is the best fish oil supplement branded by Nutrigold and is available at an approximate price of $81.65. The supplements are made from white fish that are found in the country and each capsule consists of 1250 milligrams of fish oil along with some omega-3 fatty acids. It plays an important role in providing cardiovascular, joint, health brain functioning and development.
    • Viva Labs Ultra Strength Fish Oil
      These are original capsules made out of fish oil. Each capsule consists of 1000 milligrams of fish oil and omega-3 fatty acids. The price of the supplement is around $37.86.  The high protein formulated product is good for your heart, brain, skin and eye health.  The highly concentrated fish oil gets absorbed into the body and just 2 softgels per day are more than enough.
    • OmegaVia Fish Oil
      The benefits of fish oil can be benefited from the OmegaVia Fish Oil which is considered as one of the best fish oil supplements. The cost of it is around $34.69. Each softgel consists of 1105 milligrams of omega-3 fatty acids and other essences. OmegaVia Fish Oil helps in preventing and managing heart diseases and control low blood pressure.
    • Nature’s Bounty Fish Oil
      Nature’s Bounty Fish Oil is rich in omega-3 fatty acids which is 75 milligrams per each serve of this best fish oil supplement. Apart from supporting cardiovascular health, it also gives healthy skin, respiratory, and prenatal health. The supplement is offered at a price of $31.29 with a multitude of health benefits. These capsules are easy to swallow.
    • WHC UnoCardio 1000+
      WHC UnoCardio 1000+ is one of the best fish oil supplements with rich fish oil extracted from fishes like herring, sardine, mackerel, and anchovy. It is also rich in beneficial fatty acids like EPA & DHA that are added benefits to the health. With the price around $49.99, it increases the intake of omega-3 fatty acids that maintain good health, including vision, heart, and brain.
    • Nordic Naturals Ultimate Omega D3
      This is the ultimate choice for promoting healthy immune response. Nordic Naturals Ultimate Omega D3 is made out of deep-sea fish which is completely tested for toxic content and is available at a price of around $69.95. The project is highly concerned with omega-3 fatty acids and is also rich in natural vitamins that benefit the body in multiple ways.
    • Dr. Tobias Optimum Omega 3 Fish Oil
      Being one of the best fish oil supplements, Dr. Tobias Optimum Omega 3 Fish Oil is priced at around $44.97. Each capsule consists of 1000 milligrams of fish oil and is rich in vitamin E that can also cure heart diseases. It’s one of the best-recommended supplement by the doctors because of its nutritional values.
    • The Vitamin Shoppe Omega-3 Fish Oil
      This fish oil supplement comes with many health benefits which is rich in omega-3 fatty acids EPA and DHA. The Vitamin Shoppe Omega-3 Fish Oil has numerous health benefits including brain health, cardiovascular and skin health. The product is available at around $25.49  which is cost benefit out of all the high-quality omega-3 supplements.
    • MuscleTech Platinum 100% Fish Oil
      This is one of the best fish oil supplement that contains ultra-pure essence and filtered fish oil. It has omega-3 fatty acids and 100% fish oil gel that contains both EPA and DHA. Additionally it has high potency vitamins as well as minerals that supply proteins and nutrition to the body. It also improves overall health condition including hair, skin, and joints.

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  • 5 popular oil stocks to invest in

    We all know that oil companies are significant to the growth and development of the worldwide economy. It is because they supply the fuel utilized for power and transportation. Oil companies also deliver and supply the required materials for the petrochemical industry. That said, the oil industry is highly volatile and competitive. So, making a decision about stock investments could be challenging. Let us explore five popular oil stocks to invest in. 

    Occidental Petroleum Corporation (OXY)
    Many people have added this oil stock to their portfolios. Occidental has been doing well for a while now, queuing itself for future profitability. The company has achieved a record-free cash flow. It has been continuously improving and witnessing high-profile interest from investors like Warren Buffet. Buffet’s company, Berkshire Hathaway, holds a 19.2% stake in Occidental. The corporation also offers investors a 0.93% dividend and has a reasonable $1.91 billion on its balance sheet. So, this may be considered the oil stock to invest in, as it is backed by experts.

    Exxon Mobil Corporation (XOM)
    If we calculate the total revenue, Exxon is one of the largest oil and gas companies in the country. It also reported its highest quarterly profit, which was $8.87 billion in net income. Unprecedented times caused a decline in the demand of oil, and a drastic drop followed. But XOM is still set to reach an all-time high, as mentioned earlier. It highlights a long-term track record of showcasing good returns. Exxon also offers a 4.09% dividend to its investors, and between 2022 and 2027, it is set to achieve a breakeven of $35 per barrel.

    ConocoPhillips (COP)
    This company was founded in 2002 by Frank Phillips. It is a multinational company engaged in hydrocarbon exploration and production (E&P). This company is ranked 156th on the Fortune 500. Its operations in 15 countries provide a distinctive position to scale. Recently, the company announced that it would acquire Royal Dutch Shell’s PLCs assets in the Permian basin for around $9.5 billion in cash. This company has a variable dividend program for investors.

    Devon Energy (DVN)
    Established in 1971 by John Nichols and his son J. Larry Nichols, the Devon Energy Corporation is engaged in hydrocarbon exploration. On the Fortune 500, this company is ranked in the 520th position, but it is not listed on the Forbes Global 2000. Devon Energy offers a variable dividend that is likely to attract investors. The company has been working toward superior strategies, and investors are earning the rewards. 

    Civitas Resources Inc.
    Experts estimate the high prices for oil and natural gas to last for at least a few years more. Hence, it is now a good time to invest in these stock options as they would yield rewards. This firm has a strong balance sheet, and it has been estimated that its shares could hit $110 while its annual dividend payout might be $6 by 2023.

    Oil stocks seem to be the most promising and rewarding sector to deliver outstanding returns and rewards. But still, it is recommended and advisable to check the pros and cons and returns of these and other stock options and then make an investment. 

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  • Economical Samsung Mobile Phones And Smart Phones

    Samsung mobile phones have gained popularity because of their top-notch features and technology. Contrary to many people’s belief that Samsung mobile phones are available only at high-end prices, many of their models are also available at affordable prices. Let us look at some cell phone Samsung prices to identify the best deals.

    Here are some of the best Samsung mobile phones under $100-

    • Samsung Galaxy Core Prime G360T 4G
      This LTE mobile phone is available at an approximate price of $72.62. Available in black and white colors, it has some high-end features such as an 4.5-inch display, 5MP camera, 1.2 GHz processor speed, etc. This makes the mobile phone a value-for-money product. This mobile phone only works with T-mobile but this should not be a major concern.
    • Samsung Galaxy J3 Luna Pro 4G LTE
      Available under $100, this Samsung phone has a 5.0″ HD screen along with a 1.4 GHz quad-core processor. Additionally, this mobile comes with an Android 6.0 Marshmallow operating system which makes it compatible with many applications. The mobile phone comes with 4G LTE and Wi-Fi connectivity. It has also got Bluetooth and wireless technology for better connectivity. The phone has a 5MP rear camera and 2MP front facing camera so you can take pictures any way you want. The mobile phone also comes with an internal memory of 16GB and is compatible with Alexa.
    • Samsung Galaxy J3 Emerge
      Another Samsung mobile phone under 100$ is the Samsung Galaxy J3 Emerge. This one has a 5″ HD display and 16GB of storage. The Emerge phone has a 1.5 GB RAM and it has been designed with an expandable storage of 256GB. For photography lovers, this mobile phone comes with 5MP rear-facing camera and 2MP front-facing camera. You can use this phone with Boost and Virgin services.
    • Samsung Galaxy on7 G6000
      A Samsung model with 4G LTE Quad Core capabilities, this mobile phone has a 5.5″ screen and it also supports 3G/4G data capabilities. This mobile phone is also Bluetooth enabled and has dual SIM capability. Some other features of this mobile phone include the provision of an internet browser, music player, QWERTY keyboard, speakerphone, touchscreen, voice-activated dialing, Wi-Fi capability, and a dual lens camera. The resolution of this camera is 13.0 MP. This mobile phone is available on Ebay unlocked at a price of approximately $90.
    • Samsung ZTE Z432
      Samsung smartphone ZTE Z432 with QWERTY keyboard has a 2.4-inch display. This phone has 4.5 hours of talk time with a rear-facing camera. The Z432 smartphone supports four-way navigation key for accessing shortcuts. The smartphone has a 2MP camera on the rear of the smartphone. It runs on AT&T’s 3G network. The QWERTY keyboard available on this phone makes it easy to send text messages and e-mails. These smartphones are available in retail stores and online websites and are available at a price under $100.
    • Samsung a157 GoPhone
      One of the Samsung flip phones, Samsung a157 GoPhone is a smartphone that is beautiful to look at. It is also a thin and attractive device. This smartphone measures 1.9 x .7 x 3.8 inches in size and has a weight of 1.1 pounds. This makes the smartphone easy to store in a pocket or purse. This smartphone comes with a clamshell-based design which has covered buttons. This smartphone has a 1.77-inch display which shows information such as time, date, and battery life and signal strength. This smartphone is available under $100 online as well as in retail stores.

    There are many Samsung mobile phones which are refurbished and unlocked. These mobile phones are sold with certifications which makes them available on many websites such as Amazon and Ebay. There are many Samsung cell phones which are available under 100$ and also available in installments.

    Websites such as Best Buy, Walmart, Amazon, and Ebay have cell phone Samsung prices that are attractive. These mobile phones are available at affordable prices. High-end features, touch screen and a brilliant camera make Samsung mobiles worth every penny.

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  • Best mattress for back pain you must buy

    Backache is one of the most common conditions that affect many individuals. It is a fact that the backbone is an extremely sensitive area that must constantly be protected and supported. This way the complete body weight can be distributed, equally preventing the stress on the spinal cord. Maintain a proper posture to ensure all the body parts such as shoulders, neck, lower, middle and upper back keep upright and remain healthy. If the body fails to get proper support it causes joint pain which worsens over time. You must have a high-quality mattress for your bed to ensure you get complete support. Here are some of the top picks for best mattress for back pain.

    Saatva mattress: If you are looking for luxurious coil mattresses at competitive costs, the Saatva mattress is the ideal choice. This mattress contains two layers of individually designed coils. The upper layer has tempered steel which alleviates the sagging of mattress. Comfort coils are set as per contour the body shape. Saatva Mattress is the prime choice for reputed hotels and living accommodations. You will have a restful sleep on this mattress and enjoy complete comfort. Due to their high grade back support, the Saatva mattresses are highly recommended by orthopedics, back specialists, and chiropractors. These mattresses are highly effective for treating lower back pain and chronic lumbar. If you are seeking pure comfort, Satva is the right brand for best mattress for back pain. You can choose to buy from among three types of firmness available with Saatva.

    • Plush Soft: Highly advised for side sleepers
    • Luxury Firm: Suitable for all individuals on an average
    • Firm: Ideal for stomach or back sleepers

    It is advised to get the luxury firm because this mattress gives medium firm mattress feel and is a perfect choice for people suffering from back pain.

    Helix Mattress: Made by Helix sleep, the Helix mattress is a highly customisable mattress which is available at affordable cost. The Helix mattress is the best mattress for back pain and provides great relief for any spinal pain problem. You have numerous options in Helix mattress. You can choose the one that suits your comfort level, sleeping style, and body type. You can even speak to the experts when buying the Helix mattress to know what suits your need.

    Bear mattress: The Bear mattress is highly recommended for sportspersons who need quick recovery from back pain. It contains special fabrics which result in the faster physical recovery of the muscle and joint pain. The bear mattresses are ideal for athletes and runners and help maintain healthy back postures for them.

    Amerisleep AS2: Amerisleep AS2 is a trustable bed mattress which is available at accessible prices. It has thick foam layers which make a high grade base layer and offers maximum support for the back. The Amerisleep AS2 mattress ensures the correct alignment of the spinal cord to alleviate the back pain problems and lumber.
    The manufacturing of Amerisleep AS2 is highly eco-friendly. The foam is derived from plant materials. A mineral fiber known as Celliant is embedded in the foam of the Amerisleep mattress. This mineral is known to boost the blood circulation and soothe the muscle pain.

    The above mentioned are some of the popular choices for the best mattress for back pain. Comfort and support level must be your top priority when buying mattresses. You must ask the professionals for help. You can even tell them about the type of back pain that you are suffering from. The professionals will help you get the right pick which would prove helpful to relieve back pain. If your condition is chronic, ensure you consult a back pain specialists to get better recommendations.

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  • Zoom in to the history of camera

    The oldest known photograph was taken back in 1826 on a block of Bitumen of Judea, by Nicephore Niepce. The photo was taken using a pinhole camera, which was Nicephore Niepce’s own make on a sheet of paper coated with silver chloride. Unfortunately, there was no knowledge about the removal of the unconverted silver chloride or of fixing the converted silver chloride. The photograph thus could not be preserved.

    Origins
    The two critical principles of camera and photography were known long back in history in camera obscura, literally meaning a darkened chamber, and that certain compounds reacted to light. There is no evidence of any one having tried to combine these two principles to produce a camera image till 1800, when Thomas Wedgwood made an attempt albeit unsuccessful. Ever since then, the fate of camera and photography are inseparably intertwined to this day. It is worth remembering that Aristotle had described a contraption that became the first ever camera. The principle camera obscura finds mention as far back as circa 470 to circa 391 by the Chinese Han philosopher Mozi. He even stated that the image is inverted and this due to light travelling in a straight line. In the 11th century, an Arab physicist Ibn al Hayatham had written a very influential book on optics.

    The following years
    In 1685, Johann Zahn envisaged a device that was small and portable enough to be practical for photography. However, it took close to a century and a half before that materialized. Throughout the 19th century, developments continued in the field of photographic film which ultimately resulted in the revolutionary roll film. Camera development kept pace with that of the film to use the plate and cut films which were the predecessors of roll film. In 1888, George Eastman introduced his first camera called Kodak. It was a simple box camera with fixed focus lens and a single shutter speed. With its lower price, it soon became very popular. It came preloaded with 100 exposures and had to be sent back for developing and reloading. By the end of 19th century, Eastman has several models of cameras both box and foldable. In 1900, Browne, an expensive box camera which used roll film was introduced.

    In spite of all the developments, the photographic plate did maintain its hold on quality photographs and many professional astro-photographers patronized it to the end of 20th century when digital cameras took over the field.

    Tag: Camera and Camcorders.

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