What is a Hard Money Loan and How Do They Work?


A hard money loan is a type of loan secured by real estate. The main difference between these loans and conventional loans is that they are funded by private investors instead of a bank or a credit union. If you have questions about how a hard money loan works, read on to discover what exactly these loans are, what they can be used for, and how they work.

Hard Money Loan

An Intro to Hard Money

In most cases, hard money loans carry terms for approximately a year, but these transactions can still be extended for up to five years in many cases. Consumers must usually make monthly payments on the interest as well as some of the principal. At the end of the loan’s term, they are required to make a balloon payment.

How much lenders are willing to provide an applicant depends on the value of the subject property. The property can either be one the applicant is in the process of acquiring or one the applicant already owns.


Situations That Can Benefit from Private Money Lenders Los Angeles


Hard money loans can be used as a beneficial form of financing in many situations. These include some of the following:

  • Home flipping
  • Construction loans
  • Land loans
  • Situations when the applicant has credit issues
  • When a real estate investor needs to move quickly with funding

While investors may choose a hard money loan for many different reasons, most acquire these loans for the purpose of obtaining funding quickly. In many situations, funding can be acquired within the period of a week or less.


Get Started Today

When you type “private money lenders near me” into your browser, your search results may produce a long list of options. If you are currently looking for California bridge loan lenders, take a look at https://www.northcoastfinancialinc.com to find out more about hard money loans and how they work.

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Home Automation Projects for a Smarter Life


A linear actuator is an electro-mechanical device used for movement control. It’s used in every kind of machine to initialize or stop movement. A linear actuator as the name ‘linear’ suggests, moves objects in a straight line. The mode of operation is a rod on a track, which stretches and retracts.

Home Automation Projects for a Smarter Life

Whilst massive actuators are common in the robotic, manufacturing and industrial not forgetting marine fields, the creation of smaller 12v actuators makes home automation possible. Microcontrollers’ control of gadgets with electric linear actuators and their mode of operation is either manual or automatic.


Automating your Home using Linear Actuators

If you’re looking to improve your home’s aesthesis and functionality, then, you should consider linear actuators. Actuators use in the home doesn’t only provide tranquility but also minimizes the amount of effort to accomplish certain tasks. Their use varies but the most effective way to implement them into automation is extending and retracting.


Here are some examples of home automation projects where linear actuators are in use:


Automated Window Openers

Almost all types of windows may be automated to close and open based on certain factors like room temperature and weather. Actuators for windows improve your home internal environment and energy consumption and conservation.

Incorporation of sensors helps regulate your home’s internal temperature. For example, opening a window when it’s stuffy by using heat sensors and closing the window during rains utilizing rain sensors. This is extremely important for forgetful, individuals who don’t spend lots of time at home, the elderly and disabled. Remember, in the future, should you leave your window/s open; your smart system’s got you covered.


Automated Recliner Seat

If you have a museum-type recliner seat that’s old and beat down, considering actuators for an upgrade option should be in your cards. It’s a simple solution requiring adding an actuator replacing the inbuilt manual system and a controller. The actuator is connected to the frame of the seat for automation.

Extensive programming of the actuator is required for proper actuator synchronization to better its movement. Although recliner seats differ, their set up is quite the same containing a reclining mechanism, seat, and footrest.


Table Lift

A home workstation is no different from an office one. It’s usually loaded with items and carries lots of weight. You’re required to sit for long periods leading to later health problems.

Setting up a table lift ensures regulation of your table’s height. The installation of linear actuators is done on top of the table, which then extends and retracts automatically controlled by a remote-controlled system.


TV Lifts

Do you require your flat screen to disappear or remain discrete? Then, installing a TV lift is something worth considering. Although it sounds futuristic, it’s much real in the world today and practical.

There are two types of lifts the pop-up or motorized TV lift and drop down (ceiling TV lift). They both require a metallic frame to hold your TV in place, a linear actuator and rocker switch controlling the movement of the actuator.


The only difference is the mode of operation. Pop up TV lifts as the name suggests ‘spring out’ from beneath your furniture and its use is widespread. It can be a cabinet, wall unit or shelve. Drop down TV lifts ‘slid down’ from your ceiling floor.

Although the ceiling TV lift was ideally for recreation vehicles, boats, and yachts, it’s now finding itself in the modern home setting. The installation is not so simple and you’ll require an extra set of hands. However, its operation is sublime providing accurate control thanks to precision sensors.


Garage Door Openers

Having a garage that locks – locks well, has its advantages, like securing your automobile or equipment or items stored if your garage doubles up as a workshop. The only disadvantage of having a safe and secure garage, nonetheless, is opening and closing the heavy doors frequently.

Garage Door Openers

This heavy lifting is an obstacle for homeowners particularly during harsh weather who opt for an ‘automated’ change. Linear actuators step in providing the muscle to open and close your door precisely using sensors. They are ideal for your constant garage door motion.


Drop down Kitchen Cabinet

A progressive actuator use in your kitchen cabinet provides improved functionality and elegance. It’s ideal for juniors or people in wheelchairs who can’t access top shelves easy reach. Because of the weight a kitchen cabinet carries, you’ll require a control system and two actuators.

The control of the six application with linear actuator implementation can either be manual (keys, keypad) or remote controlled. The operation choice of your desired automation project is up to you.

Many of us use appliances and equipment in our homes and don’t know that they contain actuators. Take for example your home entertainment system, your DVD player contains lots of mini actuators for taking in and popping out discs.


Regardless of the size and type of your home, linear actuators in conjunction with motion system can be used for automation and improve the functionality of your home, not forgetting elegance. These devices are simple to install and require synchronization using a control box.

It’s also important to know which type of actuator to use for your specific project as they vary. Actuators vary in speed, force, stroke and input voltage. You may know this by consulting a specialist. Once you’ve consulted, only make your purchase from a licensed manufacturer.

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Which Point Of Sale Systems Are Specific To Your Business Needs?

Sale Systems

With technology advancing so rapidly, it’s never been easier for small businesses to reach their customers. Whether you operate an online store, a brick and mortar, or both, you need a reliable and efficient method for processing transactions and payments. Since your customers will be using a variety of different platforms, it’s essential that you can adapt to fit their needs. At Merchant Account Solutions, we offer a wide range of solutions, from merchant services credit card machines to mobile devices like the Clover Flex POS. Which one is right for you?


Brick and Mortar

If you operate a traditional business model, then you don’t need a lot of flexibility with your hardware. Since your transactions are processed at the cash register, you don’t need to worry about mobile devices or wireless connectivity.


As such, you can benefit from an all-in-one point of sale system like the Clover station 2.0. This will include a display for ringing up items (which may include a barcode scanner), a receipt printer, and a cash drawer. In some cases, you may also want a separate credit card machine, although that can be integrated into the system for your convenience.


Mobile Businesses

Maybe you run a food truck, or perhaps you do a lot of work at concerts and outdoor events. In that case, you need mobile devices that can process payments, even without a reliable cell or wireless signal.


One option is to connect a card reader to your personal or company smartphone. This is a simple and cost-effective solution, particularly if you don’t process a lot of mobile payments that often. Another choice is to get a designated mobile tablet that is just for business transactions.


Online Shopping

Finally, if your customers are buying your products online, you need a secure method to handle their payments. With encrypted software and a user-friendly shopping cart system, you can make it super convenient for your customers to find what they need and check out without any hassle.


Regardless of your company’s needs, you can find what you’re looking for at Merchant Account Solutions. Contact us today to see how we can help your business.

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Where to Get Essay Writing Help Online

Essay Writing Online

Life in college comes with a lot of freedom. While in college, many students want to explore and enjoy life to their fullest. This is because they are under minimum or no supervision unlike in high school. However, your studies ought to come first since you will not waste your whole time in college exploring and having fun. Moreover, this is where you build your future career. There are different people in every college from different parts of the world, and each one of them has different or less similar characteristics. Some students know when it is time to have fun and when it is time to study whereas there are others who find it hard to study. This makes most of them endure hardships when exams approach such as trying to grasp the little knowledge they can before going into the exam room. Even so, most of these students find it hard to write essays. This is either because they choose to be ignorant hence not knowing how to go about it or they find it challenging. Writing articles in college is mandatory, and therefore, it is fundamental that every student is equipped with the proficient essay writing skills. This is because it will help boost their grades thus their overall performance.


Essay writing should not pose a challenge to college students. This is because there are various ways in which a student can learn how to write an essay thus eventually get to grow and develop as a writer. Some of them include seeking help online from social network groups, for instance, in Facebook pages, from essay writing agencies such as TopWriterList, and through forums for writers. This will not only help you know how to write your articles but also allow you to know and understand what goes on in the writing industry. Additionally, you will learn how to approach different types of papers and ultimately get to develop an interest in writing.


Social networking is essential in various aspects of life. For instance, through social networking, you can communicate or interact with someone or anyone irrespective of their location. Additionally, social networking helps you remain connected with friends and family round the clock. Social networking is also important in businesses as it allows companies to increase their customer base. Correspondingly, social network groups are also significant to students who need help with essay writing. First and foremost, through social network groups, you get to know and communicate with writers from different parts of the world. This helps you understand how the writing business goes on as well as know how they came to be professional writers. Furthermore, you get to acquire information from them on the challenges they encountered while striving to perfect the art. Social network groups, for example, in Facebook pages such as Uvocorp are of great assistance to students especially those who find essay writing challenging. They help you get advice on how to overcome the challenges you endure while learning how to write an essay. Secondly, they enlighten you on what you need to do to become a proficient and skilled writer. Thirdly, these groups help you share and exchange ideas with other people hence strengthen the relationship between you and other group members.


Students can also seek help online from different essay writing services such as TopWriterList and Perfect Essay. These essay writing agencies come in handy in various ways; they not only help you complete your assignment on time but also allow you to focus on your other school assignments or projects. Essay writing agencies are of great importance when it comes to essay writing.


Below are some of the reasons why you ought to consider seeking assistance from such writing companies:

  • They help you save time. As mentioned earlier, essay writing services help you deliver your assignment on time. They also give room for you to focus on your other school projects.
  • They guarantee to deliver quality and plagiarism free articles. While in college, plagiarism is not accepted, and it can lead to drastic consequences such as expulsion among others. Their papers are written initially from scratch hence it is hard for them to give you a plagiarized article. Therefore, it is crucial to seek help from these companies since they will provide you with top quality articles.
  • Essay writing services also offer essay samples from which you can choose from. Through these samples, you can learn how to write an essay as well as know how to format and cite references.
  • Essay writing services also offer relatively lower and affordable prices. This is because they consider the urgent need students have to complete their assignments on time.
  • They offer free revisions. You can choose to return the article if it does not meet your requirements and expectations. Your article will be delivered to you once you are satisfied that it meets your standards.
  • They also offer full-time support. They provide you with academic and professionally equipped writing services which are of top quality.
  • These essay writing agencies have an individual approach with their clients. They have platforms where they communicate with their clients to know whether their services are of quality or not. Moreover, you can tell them whether the article they have given you meets your standards or not.


Whenever you need help with writing your essay, do not tire yourself out but rather visit sites like TopWriterList, Uvocorp, and EssayBasics among others. They are of great assistance, and they will not take advantage of your desperation to get your essay written.


There are also forums for writers where students can seek help for paper writing. Forums for writers are online websites or platforms where writers or authors engage in discussions about writing in general. Forums are beneficial when it comes to essay writing. First and foremost, they help you know the tone people use when interacting with each other. Secondly, forums help you ask for information and advice concerning writing as well as offer you writing skills in return. They also help you get to know more from other people while you are communicating hence you can grasp something new. Additionally, through forums, you are proactively engaged in discussions, and therefore the relationship between you and other writers develops and strengthens. You can also share your ideas through forums, and this will help you know how you are progressing.


In conclusion, though essay writing may pose a challenge to college students, it is essential that they do not easily give up. This is because it reflects on their overall performance and no student would want to come out of college with poor grades. Students can seek help online from various platforms such as social network groups, forums for writers and writing agencies. These will help them learn to perfect the art and hence grow and develop as writers.

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5 Tips to Prevent an Emergency HVAC Repair


When the seasons change, you rely on your HVAC system to maintain a comfortable temperature in your home and keep your family healthy. Unexpected HVAC breakdowns create dangerous situations in severely hot or cold weather. Follow these five tips to prevent an emergency HVAC repair and keep your family safe.


Clean Around Your Furnace and Air Conditioner

Emergency HVAC Repair

Image via Flickr by Justin Shearer

Make sure your HVAC system is free of debris that can stop the airflow. Dust can also accumulate in the fans and blowers. To help avoid repairs, clean lint and dirt around your furnace and air conditioner and in the vents in each room. Regular cleaning will help keep your system running efficiently.


Listen for Odd Noises

Pay attention to all the usual sounds your heating and air conditioning units make when they are running and pumping air throughout the house. Get familiar with these typical noises. Then you can quickly identify HVAC sounds that are out of the ordinary that may indicate a problem. If you hear something strange, call an HVAC technician to investigate. Checking for problems early can help you avoid an emergency repair later.


Schedule Routine HVAC Maintenance

One of the most common ways to prevent an emergency HVAC repair is to have an HVAC professional service your HVAC system regularly. Routine maintenance includes inspecting and cleaning the fan, motor, and controls. Your HVAC technician will monitor the system while it’s running and change the air filters too.

Routine maintenance will help avoid HVAC system breakdowns and ensure your heating system runs efficiently. Schedule service twice a year before your HVAC system needs to run continually in the summer and winter.


Set Your Thermostat and Leave It Alone

Every time you adjust your thermostat, you make your system work hard to change the home’s temperature. Set your thermostat to a comfortable temperature and leave it there. To avoid heating or cooling your house while you’re away, upgrade to a programmable thermostat. The thermostat will slowly change the temperature as scheduled, and the air inside will be comfortable when you get home.

Keep electronics that generate heat away from the thermostat. It may sense the extra warmth and turn on the air conditioner when the house doesn’t need to be cooled.


Check the Circuit Breaker and Burner Switch

If you’re not getting heat at all, try a simple fix before you call for service. See if an electrical overload tripped the circuit breaker or if the burner switch is turned off. You’ll find the burner switch on the outside of the furnace. The switch allows a service technician to cut the power to the unit without using the circuit breaker.

Cleaning and routine maintenance can help prevent an emergency HVAC repair. If your heat shuts off, check for simple problems with your circuit breaker or burner switch before you call a professional HVAC repair service. You’ll save money and keep your family safe during the cold winter months and the sweltering summer heat.

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