Financial Services

What You Need to Know About Hard Money Loans

Hard money loan is a short-term loan that is secured by real estate, and funded by private reliable investors such as hard money loans with Evoque Lending. This loan requires only interest and some principal with a balloon payment at the end of the term. In addition, the amount you can get from a hard moneylender is majorly based on the value of the property. The property can be the one that you already own and wishes to use as collateral. On the same note, it is important to note that the lenders are much concerned with the value of the property, as compared to credit history of a borrower.

Therefore, reliable experts for hard money loans with Evoque Lending recommend that, borrowers who cannot get conventional financing due to recent foreclosure, or short-term sale, are still able to get hard money loans if they have sufficient equity in the property they use as collateral. Therefore, before you apply for a hard money loan, you should know the following about it.

Property types for hard money loans

In this case, a borrower can get a hard money loan on almost any type of property – from single family residential, multifamily residential, to commercial, land, and industrial. However, some lenders may specialize in one type of property such as industrial, and may not be able to offer land loans because they have no experience in that field. Therefore, different lenders have a specific niche of loans that they offer comfortably, so a borrower should ask his or her preferred lender about which loan they are willing to offer.

In addition, hard moneylenders cannot lend owner-occupied residential properties, because of some rules and regulations that do not permit them to do so, but some are willing to wade through the paperwork with a borrower.

What are the benefits of hard money loans?

 Today, many real estate investors chose to use hard money for many different reasons. However, the main reason is the ability of the private loan lender to offer them this loan as quickly as possible. In many situations, a hard money loan can be funded within approximately one week. In addition, the application for a hard money loan can take about a day or two days in some cases, and the loan can be approved on the same day a borrower applies for it.

For that reason, the ability to obtain funding at a faster rate as compared to bank loan is a great advantage to real estate investors. Therefore, when an investor tries to acquire a property with many competing bids, a quick close to hard money loan can attract seller’s attention, and set apart from buyers who offer slow conventional financing.

Another reason why a borrower may choose to use hard money loan is, if a conventional bank rejects his loan request due to short sales, foreclosures, or credit issues. However, hard moneylenders can look past these issues. As long as the loan can be repaid, and the borrower has enough equity invested in the property he uses as collateral, he can get a hard money loan.

For more information on hard money loans with Evoque Lending, visit


Tips to select a reputed criminal lawyer

If you or any of your close relatives has been alleged with a crime, it is very important to hire a lawyer as soon as possible, and you will need somebody who is an expert in criminal defense. This is why Perth criminal lawyers are available in plenty, but selecting one who can truly understand the case and empathise with your condition is the hardest part of the whole business. Even if you are facing a very minor criminal charge, it is important that you hire a defense attorney who can represent you in the honourable court. A discussion with an experienced attorney may help you comprehend the charges against you and a possible way out of the situation.

Perth criminal lawyers


If you have been charged with a serious and major issue, it is advised that you hire good Perth criminal lawyers which can fight for you besides giving important suggestions and doing the needful. Criminal lawyers are qualified so that they can stand for people who are alleged with an offensive conduct and have a case filed against them. This particular sect of attorneys practice on defending their clients from the charges, and they have the skill and knowledge about the prosecutors who are involved and can get concessions which other lawyers may not succeed to achieve. These lawyers have an extensive experience in handling these matters and there is a high chance that they have already handled a case similar to yours and can give a better advice.

The Perth criminal lawyers can also identify key pre- trial issue and issue motions that may even get the case dismissed.

Helpful tips to find a lawyer:

In order to achieve all these, you will first have to decide whether you require a state or a federal lawyer. If you are charged against violating a state law, then you should hire lawyers who have an expertise in handling state law, which may include traffic rule violations, robbery or theft, breaking contracts illegally, family problems, etc. But if you are charged with any bigger dispute, you will need to hire a more experienced and responsible attorney who can dedicate his time and involve in your case more integrally so that you can win the case and free yourself out of the allegation.

You should get criminal lawyers in Perth who concentrate on the area of defense you require. You may find many lawyers who are well adept in handling routine cases, but you should choose the appellate attorneys with a proven track record of successful handling of many cases.

Discussing your problems thoroughly with criminal lawyers Perth based can be the best way to ensure that they have a reputable background and can offer you the service you are paying for. The fee of a lawyer generally depends on the complication of the case. The lawyer should inform you about the way he shall proceed and also update you with the progress of the case at regular intervals. With all these tips, you can surely find an attorney who can be beneficial to you in every respect.


Booking Your Transfers From Cairns To Port Douglas

There are a number of reasons Port Douglas will invite you from the surrounding busy areas like Cairns, and if you have already reached Cairns, then you would be going nowhere else after touring Cairns other than Port Douglas. Such is the mesmerizing beauty of the city of port Douglas, and such is the attraction of the route that takes you from Cairns to Port Douglas. Visitors even go directly to the city without exploring Cairns, and it all depends on the schedule and the purpose. But whenever you plan, be it an advanced planning or a sudden short term trip, you would be looking for a ride to the city, and there is a brilliant connectivity between the two through car transfers from Cairns to Port Douglas.

The main attraction of the route

The main attraction of the route is the Great Barrier Reef. If you are a nature lover, then your heart is bound to skip a beat by seeing the mesmerizing beauty through the route, and if you are not, then you would start loving nature. Such is the route that it draws you within the city gradually, and you do not even notice the time spent, as you traverse through the one hour journey. The journey may take 70 mins if there are no other passengers, and it’s a private transfer from Cairns to Port Douglas. But if there are stops in between frequently due to other passengers in the minivan, then it may take up to 120 mins also. This attraction of the Great Barrier Reef on one side and the rain forest on another, with a road as smooth as an oily path, makes the journey by road through the two cities extremely pleasurable.

Availability and booking

Transfers from Cairns to Port Douglas are available through many carriers, and you would be able to book your transfer in advance. There are private cars, and then shuttle vans to do the transfers. If you are arriving Cairns on a flight, you would get your private transfer car waiting for you outside the airport. Tucking in your luggage and getting seated is all you will have to do to get started for Port Douglas. In case you are on a budget, you can go for the shuttle cars. They are a great way to get economic transfers where you do not spend much and do not wait much too. That’s because the lesser the number of passengers in the shuttle van, the lesser stoppages are there through the journey.

You would be amazed to know that booking for transfers from Cairns to Port Douglas is very easy now through online booking portals. You will simply have to type in transfers Cairns to port Douglas, and you will get great results showing options for transfers. You can then choose any as per your budget and choice, and secure your booking. Bookings once made can also be cancelled, and every transfer agency has their own rules for it.

For more inquiries, check out Oasis Transport or just visit!


Discover When to Refinance Your Mortgage

Refinancing a mortgage means paying off an existing mortgage loan, and replacing it with a new one. Reliable experts for mortgage refinancing tell there are many reasons why homeowners refinance their mortgage loans. The reasons include opportunity to obtain a lower interest rate, the desire to convert from an adjustable rate mortgage to a fixed rate mortgage among other reasons.

Some of these motivations come along with benefits and pitfalls. Therefore, it is advisable for a homeowner to determine whether his or her reason for refinancing can offer true benefits. Read on to discover when you should refinance your mortgage loan.

Mortgage Refinancing

Securing a lower interest rate

One of the reasons why some homeowners refinance their mortgage is to lower the interest rate on their existing loan. Certified experts for mortgage refinancing suggest that historically, the rule of thumb was that, it was worth the money to refinance if you could reduce your interest rate by at least 2%. However, today many lenders recommend that 1% saving is enough of incentive to refinance.

In addition, reducing your interest rate cannot only help you save money, but can also help you build equity in your home, and decrease the size of your monthly payments. It is therefore advisable to involve reliable experts for mortgage refinancing to explain to you in details how mortgage refinancing works and help you know the right time to refinance your mortgage.

Shortening the loan term

In many cases, when interest rates fall, homeowners get the opportunity to refinance their existing loan for another loan that has a shorter term without much change in monthly payment. Therefore, experts for mortgage refinancing advise that, for you to shorten your loan term successfully, you should seek relevant help with mortgage refinancing experts to guide you on areas that can add benefits on your side.

Tapping equity and consolidating debts

While the above-mentioned reasons for refinancing are all financially sound, mortgage refinancing can be a slippery slope to never-ending debt. It is important to note this in mind when you consider refinancing for tapping into the home equity, or consolidating debt. In addition, many homeowners often access equity in their home to cover big expenses.

Such expenses may include child’s college education and the cost of home remodeling, among others. Such homeowners may justify such refinancing by pointing out how the expenses covered are of advantage on their side.

On the other hand, many homeowners also refinance to consolidate their debt. At face value, it is important to replace a high interest debt with a low interest mortgage. Unluckily, refinancing does not come with automatic dose of financial prudence. In reality, many people who once generated high interest debt on their cars, credit cards and other purchases can do it again after the mortgage refinancing gives them available credit to do so. This can create instant loss, which can lead to perpetuation of debt cycle and eventually bankruptcy.

Finally, mortgage refinancing can be a great financial move because it can shorten the term of your loan, reduce your mortgage payment, and help you build equity more quickly.

You can get more information on mortgage refinancing at

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Important Things to Look For When Choosing a Commercial Real Estate Agent

The road to selling, buying or leasing a commercial property is a bumpy one if you navigate it alone. When it comes to commercial real estate transactions, you need an experienced advisor to facilitate the guidance. As more and more investors venture into the commercial real estate market, the number of emerging commercial real estate agents is tremendously increasing.

The kind of real estate agent you choose to handle your transaction will significantly affect our bottom line. The goal of this article is to help you narrow your search and find the very best agent to handle the business for you. It will discuss four important things that you ought to look for when interviewing potential candidates.

Experience in Commercial Deals

Is your real estate agent a residential broker moonlighting in the commercial market? Find out the percentage of commercial transactions that an agent represents each year so as to determine their experience in commercial real estate. Look for an agent who works exclusively or specializes in commercial real estate properties. This will give you the assurance that they are familiar with the intricacies involved in selling/buying as well as marketing commercial properties.

Level of Education

Like selecting a lawyer or a doctor, it should be in your interest to do a little research on the educational background of the person you shall select as your real estate agent. With a real estate agent license, one can legally sell any type of property, but they might lack knowledge in selling a particular type of property.

Most real estate agents will further their studies so as to become competent in a specific type of real estate. As such, it is advisable to ask your prospective broker what advanced education they have in commercial real estate. Professional commercial real estate agents will have the designation CCIM (Certified Commercial Investment Member), to indicate that they have trained in commercial real estate.

What Marketing Materials Does the Agent Use?

If you are selling a property, you must consider the type of marketing materials used by your prospective agent. A competent commercial real estate agent should have a cohesive and professional brochure and signage program. Read through their past brochures and find out if they were successful.

So as to achieve success, a real estate agent must have access to a broad cross section of commercial properties in his region. If you are looking to buy a commercial property, you want an agent who has knowledge of all the properties in the market. On the other hand, if you are selling a property, you want your agent to know all the places you can market it. To achieve this, a commercial real estate agent should be a paying subscriber of commercial real estate databases such as LoopNet and Catylist.

Professional Associations

Reputable commercial real estate agents belong to professional organizations and they have strong networks with other professionals in the industry. With this, they are able to quickly find out properties in the market and to pitch their listings. Aside from that, they attend educational events organized by professional organizations. So, ask about the professional associations that your prospective agent belongs to.

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Top Advantages of PVC Pipes in Transportation Industry

Due to its excellent performance, PVC pipe generates many benefits in transportation industry, automotive industry, and electronic industry. In transportation industry, it is mostly used because it is vulnerable to underground external corrosion, as well as internal pipe corrosion. For that reason, to get started, and buy good PVC pipes that can meet your transportation expectations, you should consider a reliable polymerprocessing company such as s&e polymer processing company to offer you the service.

polymer processing company

As compared to metal pipes, plastic pipes offer efficient transportation of liquids, and there are no blockages associated with PVC pipes transportation. Before you consider a reliable polymer company such as s&e specialty polymers to offer you the service of these plastic pipes, learn to know the advantages.

Chemical resistance

In this case, PVC pipes exhibit excellent resistance to a wide range of chemical reagents and disinfectants. For that reason, they are highly suitable for liquid infrastructure, because they can convey strong acids, alkalis, and aqueous solutions effectively. Therefore, reliable experts for s&e polymer production plant recommend the use of PVC pipes in transporting every sort of liquid.

Reduced failures and blockages

 Blockage is a major problem that affects many pipeline systems in the world today. If not controlled properly, blockage can be costly and cause serious damages in the end. Slow flowing of liquids through a pipeline can cause blockage, and it can lead to great failure of a pipeline system with many connections. Therefore, the extreme smooth lining of a PVC pipe as compared to concrete, clay or copper pipes, reduces liquid flow resistance, and ensures the products reach their intended destination with proper pressure. Due to free flow of substances, there are reduced sewage build-ups as well as waste water systems.

Lower cost

As reliable experts for specialty polymer processing company suggest, PVC pipes offer significant cost saving for projects. This is because, during installation, low breakage rates and life cycle costs are highly considered. In addition, the longevity of the pipes also means that PVC pipes work efficiently, and there is reduced maintenance and repair, making it more affordable over time.

On the same note, as polymer swindle is highly rising in the current days, it is advisable to consider a reliable polymer processing company such as s&e, whenever you need any polymer products.

PVC pipes – best pipeline choice for pipe under load

In this case, PVC pipes are so flexible and can flex without breaking when loaded externally from soil weight and heavy-duty traffics. This is contrary to rigid pipes such as concrete and clay pipes, which are unable to flex, and can experience wall crushing and collapse when their load limits are reached.

 It is also important to note that, when a PVC pipe encounters an external load, its diameter tends to deflect, and when it is buried in a supportive soil condition, the stiffness of the soil together with the pipe’s stiffness can defend the deflection. In the light of these benefits, a PVC pipe outweighs other brand of pipes in efficiency, faster transportation among other relevant features.

For more information on a reliable polymer processing company such as s&e specialty, visit

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Benefits of Hiring a Trial Lawyer

If a lawyer were to tell you that he doesn’t need to go to court to resolve your case, you would probably assume it is a real thing. However, that’s not how things are done; a legal firm such as Cummings Manookian PLC is prepared to do everything in its power to fight for your rights. In fact, the most promising choice is to push the case for a trial and strive for the charges, before the jury and the judge instead of trying to resolve the case via plea bargains.

A plea bargain is achieved when parties in question, negotiate with the prosecution side, where the defendant is urged to plead guilty to the charges brought against him, so as to get reduced sentencing. It has usually proven to be fruitful in some scenarios, but in other cases, it is used by trial lawyers as a way to avoid litigation. If you are looking for a lawyer to help you successfully fight your cases in the court, you need to hire a reputable law firm such as Cummings Manookian PLC – a legal team that will ensure that you get the dismissal your deserve.

How a trial lawyer can help you

A good trial lawyer understands that your defense is extremely time sensitive and the sooner you hire a Cummings Manookian PLC lawyer, the better because it will give the sufficient time to work on your defense and strengthen it. A legal firm can offer pre-charge investigations in some situations and ensure that you are protected from charges. If you have been charged with a crime before, however, it does not matter you can still get help from a trial lawyer.

There are very many ways in which a trial lawyer can approach and handle your defense. A good example of a great strategy is to prove to the judge and the jury that there was police misconduct in your arrest. Under the Nashville law, a police officer must not violate the right of the person he is arresting, even if he is being arrested for the major crime. The rights must be read to a suspect before he is arrested “you have the right to remain silent” as well as the right to a trial lawyer.

When you are arrested for criminal conduct, you have the right to remain silent so that your words cannot be used in a court of law against you. If the police officer pushes you to the point of forcing you to say something incriminating or something else, you could still complain about police misconduct and fight your charges. Furthermore, you have the right to get a trial lawyer- this means that you should have legal representation and legal counsel as soon as you can so that your case is handled professionally.

Contact Cummings Manookian PLC, if you have been arrested in Nashville, for a crime. For many years, the legal team at this firm has worked relentlessly on many cases to defend clients from convictions.

Know more about the Company:

Business Name: Cummings Manookian PLC
Address: 102 Woodmont Boulevard, Suite 241 Nashville, TN 37205
Contact Name: Brian Manookian
Phone: (615) 266-3333
Mobile Phone: (615) 266-3333
Logo URL:
Tagline: Real Trial Lawyers, Helping Real People
Trading Hours: 7am - 7pm
Trading Days: Monday - Friday
Payment Types: Visa, MC, Amex, Disc, Check
Year: 2014
Financial Services

A Guide on How to Survive a Tax Investigation

Dealing with tax investigators can be very stressful and can lead to an emotional roller-coaster ride.  In the first few minutes of realization – after opening the letter from the taxman – denial and terror are common reactions, followed by bitterness and regret. Because of this, it’s paramount to take a comprehensive tax investigation insurance which will cover for the costs that you incur during investigation. While you’re looking for a good insurer, here are tips to help you survive a tax investigation.

Stay calm

Handling tax can be very complicated, so you need to stay calm and look for a financial adviser such as a tax investigation insurance expert. You need someone on your side, someone who has vast experience in handling tax investigation issues and someone who knows everything about the taxman.

Do not destroy your evidence

Hiding or removing all your documents may lead the taxman to assume something fishy is going on. If you have not been keeping records, ensure that you get replacements such as your bank statements and work with your adviser to come up with estimates to fill any gaps.

Seek clarification

If you don’t understand certain questions, seek clarification from the tax inspector. According to law, tax inspectors are supposed to work amicably with the clients so as to resolve a dispute.

Do note over promise or under deliver

If you can’t meet deadlines, contact the revenue and explain your circumstance and agree on another timescale. Remember, if you continue to miss your deadlines, you are increasing penalties and this may lead to demands for more information.  Similarly, if you wish to pay your debt in installments over a stipulated period of time, inform the taxman and be truthful about when you can. Avoiding payments can lead to serious consequences.

Don’t assume

Never assume. For instance, that the tax investigator doesn’t know about your offshore bank accounts. The revenue authority has vast amount of information in custody, and can still get more details from third parties all over the world. Therefore, if the investigation agency is scrutinizing your financial reports, then it is for a reason. If your returns have errors, don’t assume that is the only thing that the revenue authority is interested in; the revenue authority would want to know if the same error occurred in the previous years.

Be honest

If you suspect that there is something wrong with your tax return don’t hesitate. Talk to the taxman upfront. It is vital to disclose all the relevant information regarding your tax return. If you fail to disclose all the facts, this will not only lead to more penalties, but you may even face charges if a criminal investigation is launched.

To avoid issues with the tax authority, why don’t you take tax investigation insurance? With tax investigation insurance, all the costs that come with tax investigation will be catered for, by your insurer.   To buy a policy, talk to experts from Accountancy Insurance – this company is known for offering affordable covers to clients.  Visit their website for more information.

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Things to consider while selecting shop fittings

The indispensable need of all retailers worldwide for proper utilisation of shop space has led to the growth of shop fittings industry. A reputed shop fitter can understand as well as manage space of a store in a way that it looks beautiful and serves the purpose as well. The process of getting appropriate shopfittings in Sydney begins with the analysis and measurement of the available space and then finally preparing the model.

Now if you are planning to set up a retail store, it can be much more challenging than it seems to be. First of all, you would require a proper scheming of the list of tasks to be undertaken. After buying the space and stock of products to run the business, you would have to face another share of investment in buying shop fittings. Since this is supposedly a one time investment, you must be judgemental before choosing one. So you must make a few considerations before selecting one:

Shop premise and floor plans: These are perhaps the most critical factors as no good set up will turn up if the shop isn’t located in a busy high street. After you have chosen the shop, your next task would be to scheme out where do you want to set up important pieces like aisles, counters, displays and shelves. If you are new to this sect, you may well take up professional help to make the most out of your shop space.

Shop themes and design work: These factors solely depend on the kind of products you are planning to sell. You are likely to get plenty of options in shop fittings and displays regardless of what your business is. The reputed shop fitting suppliers can provide you with an endless number of options to choose from. Next, depending upon the type of things your store has, you will have to set up the store front. For instance, if you are planning to set up a bedding store, your shop fittings must reflect a peaceful ambience whereas a sports shop must mirror action and movement.

Accessibility and time required: These influence your choice of shopfittings in Sydney. Though everything you choose would be dependent upon the type of business you are willing to run,  yet all must have one thing in common: Accessibility. You would never want your customers to tumble over the exclusive pieces or things meant for selling due to lack of space for movement. So a shop has to be easily accessible for the customers so that they can walk and see everything easily without hurting themselves. So after you have decided which piece would be incorporated to decorate your shop, you must ask your service provider about the timescales required for the shop fit.

Budget and asking for a quote: No matter how beautiful and elaborate designs you choose for the shop, your budget shall decide the extent of its realisation. So it is better to decide that first and then go for choosing the shopfittings in Sydney. There are some experienced shop fitters who can help you to decorate your shop even within a tight budget. You may go to a number of service providers and listen to their suggestions and compare prices. Select the one you are most comfortable and confident in. Consider all the aspects each shop offers you; do not base your decision solely upon the pricing even when you have budget constraints.