A hard money loan is a facility that is guaranteed by real property. These loan products are considered last recourse loans. These loans are used in real estate deals, with the lender being companies or individuals and not banks.

 Hard money credits have terms depending majorly on the value of the collateral. Since conventional lenders, like banks, do not advance hard money loans, lenders are generally private companies or individuals that see opportunity in this risky venture.

Property flippers may seek hard money loans to renovate and resell the property used as collateral for the financing. 

The cost of hard money loans is usually higher than loans available through government facilities or banks on account of the higher risk taken by lenders offering the financing

Hard money loans are a good option for;

• Short-term financing
• Turnaround situations and 
• Borrowers with a substantial worth in their property but poor credit.

Advantages and disadvantages of Hard Money Loan

There are advantages and disadvantages of hard money loans related to;

• Loan to value ratio 
• The approval process, and
• The interest rates

 Advantages

• The hard money loans application and approval process is faster than applying for bank loans or a mortgage. 
• Hard money lenders take less time going through loan application forms since there is no income verification and review of financial documents.
• Hard loan investors aren’t concerned with receiving repayment because there may be an even greater value and opportunity for them to resell the property themselves if the borrower reneges.

 Disadvantages

• Since the property is the only collateral against default. Hard money loans usually have lower LTV ratios than conventional loans.
• The interest rates for hard money loans are usually higher than in traditional loans 
• Hard money lenders rarely advance finances to owner-occupied residences due to compliance rules and regulatory oversight.

As a parent, you want to make sure your children have the best dental health possible. Look into pediatric dentist Jacksonville FL to learn more about how to maintain the health of your children’s teeth. Check out these four things that can threaten your kids’ dental health.

1. Poor Hygiene

If your children do not brush or floss on a regular basis, he or she may end up compromising their dental health. Poor dental hygiene can lead to a build of plaque and bacteria as well as discoloration. Encourage your kids to brush at least twice a day–once in the morning and once right before they go to sleep. Also, motivate them to floss as often as they can, especially after eating a meal.

2. Sugary Foods

Foods that are filled with sugar can wreak havoc in your children’s mouths. Eating large amounts of sugary foods can cause tooth decay and eventually result in the formation of cavities. Tell your children to limit the amount of sugar they consume. They should opt for food items, such as leafy greens, that are good for their teeth as opposed to products that are filled with artificial sweeteners.

3. Acidic Drinks

Drinks that have high levels of acidity, such as lemon juice and soda, can negatively affect your children’s teeth. They can cause tooth erosion, which can result in the loss of your children’s enamel, leaving their teeth vulnerable to further damage. Prompt your kids to refrain from drinking very acidic beverages.

4. High-Energy Sports

Sports that require high levels of physical activity, including football, soccer, and baseball, can increase your children’s risk of tooth breakage. This is due to the fact that your kids will be running at high speeds when playing these sports and may sustain head and mouth injuries. If your children are inclined to play a high-energy sport make sure they are wearing proper safety gear, such as helmets and mouthguards.

Your kids’ teeth are an important part of their bodies. Make sure they are taking good care of them.

Cancer is a global disaster. An increase in cancer cases is due to various factors like a lifestyle change. It is necessary to go for regular medical checkups. Everyone needs to be updated with their health condition from time to time. You need not be busy with your health. Consider visiting a breast cancer Newport Beach specialist when you feel pain in your breasts. The following information will help you understand the procedure followed to diagnose breast cancer.

Breast examination

A medic keenly checks both breasts. Additionally, your lymph nodes in your armpits are examined. The medic will be looking for any signs of lumps or other abnormalities, causing pain to your breasts. Breast examination doesn’t mean that you are at risk of having cancer, but it is a procedure conducted by a doctor trying to feel if there are signs whatsoever.

Mammogram

This is an X-ray of the breast. A doctor uses a mammogram on your breast, and its condition is watched on the screens. Your doctor can identify any abnormality on the screen, which will help determine whether it is a sign of cancer or a different condition. The doctor may recommend a further diagnostic mammogram to continue examining the abnormality.

Breast ultrasound

Breast ultrasound is a procedure that uses sound waves. They produce images of the condition of your breast. This procedure will determine if a breast lump identified is a solid matter or a fluid-filled cyst. Therefore, it makes it easy to determine the treatment procedures of the condition.

Sample removal

A biopsy is another vital diagnostic method to determine whether the lump in your breast is cancerous or not. Your doctor uses a specialized device that is guided by X-ray. With the gadget, the doctor takes a sample of your breast cells to evaluate their condition.

While some people may hate salt and dislikes anything that taste sour, sugar is the food item that everyone adores. It really is a tragedy that while sugar makes life sweeter, an abundance of it can cause devastating health results. Fortunately, the key to enjoying sugar while remaining healthy is moderation. Here are several ways to lower your sugar intake.

1) Buy Less Foods That Come in Boxes and Cans

One of the most effective things you can do is to buy less processed food. This is because it contains additional sugar, preservatives, artificial food coloring and salt. Doctors suggest that you buy meats and foods in its raw form. Therefore, if your grocery cart is usually filled with processed foods, consider limiting your intake. Some of the main culprits you should look out for include:

• Dried fruits
• Vienna sausages
• Tomato sauce
• Mixed vegetables
• Ham

2) Monin Sugar Free Products

Ideally, you should look for products that have either “less sugar” or “sugar free.” In some cases you may be able to mainline your drink related sugar intake by selecting reduced sugar products. However, you should also be on the lookout for products that are marked “sugar free.” Monin specializes in providing some products, such as syrups and sweeteners, that are 100% sugar free. They also have a long line of organic gourmet sauces and purees.

3) Know the Facts

A great way for you to lower your sugar intake is to learn the facts about sugar measurements. A can of soda that has 32 grams of sugar may not seem like much when you compare it to sodas that have 52 grams of sugar. However, one teaspoon of sugar, equates to four grams of sugar. Therefore, the average can of soda has eight teaspoons of sugar. It’s also worth nothing that soda bottles come in different servings. One 16 oz. soda bottle can have two servings with an average of 32 grams of sugar per serving. Therefore, the total amount of sugar in a 16 oz. soda bottle is 16 teaspoons of sugar.

4) Fresh Fruit

If you assume that packaged fruits are fine, you are wrong. Did you know that when peaches are canned at a factory, they usually contain an additional 35 grams of sugar per serving. As such, you may have come to realize that frozen and canned fruit tends to taste much sweeter than their raw counterparts. You should choose to buy fruits and vegetables fresh instead.

5) Check Nutrition Labels

Once you start to check the nutrition labels of the foods you eat, you will learn who are the biggest culprits of sugar. These include everything from bread, sauces, salad dressings, condiments and more. You may be horrified at the fact that some foods that proclaim to be a health food, such as yogurt, tends to have a high amount of sugar. By evaluating the nutrition label you can see what kinds of ingredients have been added. Things to look out for include:

• Corn syrup
• Brown sugar
• Agave nectar
• Glucose
• Fructose
• Crystalline fructose
• Syrup
• Maltose
• Lactose
• Sucrose

6) Moderation

The idea of quitting sugar cold turkey is tempting. But this is not a realistic endeavor as you will inevitably go back to it and possibly consume even more sugar. The key to cutting your sugar intake is sustainability. As opposed to quitting cold turkey, you should gradually lower the amount that you consume daily. Instead of four teaspoons of sugar do three, then two. Feelings of deprivation can lead to the consumption of sugar in excess. As such, with the moderation approach you can combat these feelings by rewarding yourself with a treat for your efforts.

7) Ask For Help

As is the case with everything in life, the type of the support that you get can greatly increase your chances of success. Don’t shy away from the idea of asking your family and friends for support as you make this lifestyle change. Friends may be able to provide a few suggestions themselves, such as different low sugar food and drinks they enjoy. Additionally, when you’re in the midst of temptation, family members can encourage you.

Elevations RTC has gained a reputation as one of the best residential treatment centers in the United States. One of the reasons why they score highly in reviews comes down to smaller details that others might overlook. It is those little details that give each student that individual feel when they are going to the program. That helps speed up results and gives teenagers more confidence overall.

One reason they have had success comes down to focusing on a specific age group. While teenagers are going through some transformative years, it is crucial to have a program that is capable of handling any situation. That comes down to the small details, which Elevations RTC has spent time perfecting.

Small groups with similar peers

Creating small, focused groups at Elevations RTC is essential for the staff with any new set of students. Smaller groups allow for a much more personalized experience, making every student feel like they are truly cared for. In traditional school settings, many of the current Elevations RTC students have found that they received much less attention in their previous years of schooling.

Groups at Elevations RTC tend to range from 10 to 16 students. While putting these groups together, they try to do their best in linking others up with those with similar interests and a similar clinical profile overall. Students are allowed to interact with anyone in the program, but many will end up meeting their best friends within that refined group.

The amount of detail that goes into forming groups in the early stages can pay significant dividends. The faculty makes sure to look at all students from different angles to do the best job possible when putting together the right groups. If there were a lack of effort during this part, the groups would not be as successful.

A specialist for everything

Few residential treatment centers can match Elevations when it comes to overall specialists. They have sophisticated and dedicated staff ready to help out, and they all interact with students throughout each week. As one might expect, students do come in contact with teachers a lot more than some of the other specialists, but that does not mean they get a chance to work with psychiatrists, medical professionals, and others depending on their situation.

With so many specialists available, it gives students peace of mind that they can find someone to trust and talk to. For students who have struggled to find answers in the past, it can take just one person to break through and make that difference.

Understanding the importance of fun and laid-back times

Sending a child away to a residential treatment center can give some families the impression that there is very little time for fun. Elevations RTC believes that finding time for recreation and laid-back opportunities can make an individual much more well-rounded. It is something that a lot of competition overlooks, but it is all about balance to fully get back to a more standard lifestyle.

Ideally, every student leaves Elevations RTC with a strengthened or new passion in life. This can be a simple activity that burns off some calories or a potential interest that leads to a job down the road. In some cases, students learn a passion that changes their entire outlook on life.

Even if a person’s extracurricular activity is not physically demanding in any way, exercise and getting outside, in general, is stressed at Elevations RTC. As a lot of different schools are cutting back on gym classes and exercise, Elevations RTC understands that balance is necessary. Getting outside and enjoying the outdoors can help break up the monotony of focusing on studies. A healthier body from getting exercise and eating the right things can also help reduce any potential stressors that go along with getting through the program.

Making acceptance the rule, not an option

Teenagers are already facing a ton of challenges before ever stepping foot on the campus at Elevations RTC. The last thing they need to deal with is any acceptance issues, especially since so many people are there for those same reasons. That is why Elevations RTC goes above and beyond the different practices available so that everyone is on a level playing field and treated as such.

Most residential treatment centers will claim that they offer the same level of acceptance, but Elevations RTC goes above and beyond to make this a reality. It is a gender-neutral campus with teenagers from every background. There is zero tolerance for bullying of any kind.

One of the biggest joys when going through the Elevation RTC program with a new student is seeing a new passion discovered in real-time. To allow this passion to come to life, there needs to be a level of acceptance for different types of activities.

No program in the country can offer so many different paths for a teenager to explore. The staff has knowledge of different activities as well, so there is always someone to share a new passion with no matter how unique it appears.

Fruіtѕ ѕuсh аѕ ѕtrаwbеrrіеѕ, grареѕ, аnd even іn mаngоеѕ аrе high in antioxidants. For a реrѕоn tо hаvе оvеrаll health wе need tо hаvе ѕоmе аntіоxіdаnt fruits іn оur dіеtѕ. These аrе gооd for our skin аѕ wеll as tо оur hеаlth. If уоu аrе a picky eater thеn mауbе some оf thіѕ grоuр wіll be mоrе to уоur tаѕtе. Bluеbеrrіеѕ, арrісоtѕ, mangoes, ѕtrаwbеrrіеѕ, black chokeberries and acai bеrrіеѕ. Sо аѕ уоu can ѕее thеrе аrе plenty tо сhоѕе frоm ѕо whу not еаt whаt wе lоvе аnd gеt thе аntіоxіdаntѕ thаt аrе bеnеfісіаl tо uѕ аt thе ѕаmе time. Our bоdу іѕ соntіnuоuѕlу producing frее rаdісаlѕ that can bе vеrу hаrmful tо us аnd they can аlѕо cause рrоblеmѕ wіth flеxіbіlіtу and jоіnt dаmаgе.

If we dо nоt take the necessary mеаѕurеѕ of adding a variety оf аntіоxіdаnt fruits tо a wеll bаlаnсеd diet that we еаt we can end uр suffering frоm a lаrgе аmоunt оf рrоblеmѕ caused bу thе free rаdісаlѕ. Onе оf thе bеnеfіtѕ thаt уоur bоdу wіll bе аblе tо tаkе аdvаntаgе оf in еаtіng nесеѕѕаrу vegetables аnd fruits, is іt will hеlр trеmеndоuѕlу іn thе efforts оf dесrеаѕіng thе amount of frее rаdісаlѕ that аrе in уоur bоdу. This will ultіmаtеlу mеаn you will be able to enjoy a muсh hеаlthіеr bоdу and you wіll fееl much better.

Antioxidant fruits саn either bе еаtеn alone оr you саn еаѕіlу add thеm to a vаrіеtу оf dіffеrеnt fruіt juісеѕ for a gооd hеаlthу ѕnасk that еvеn сhіldrеn wіll еnjоу. A large number of thе canned fruіt thаt уоu wіll fіnd іn mаnу оf thе lосаl grосеrу stores аlѕо соntаіn a large аmоunt of sugars.Yyou wіll bеnеfіt a lot mоrе іf you wіll choose frеѕh vаrіеtіеѕ of fruіtѕ іnѕtеаd оf thоѕе thаt аrе processed wіth lаrgе аmоuntѕ оf аddіtіvеѕ аnd ѕugаrѕ. If уоu are unable tо obtain аnу оf thе аntіоxіdаnt fruіtѕ bесаuѕе оf уоur jоb or buѕу ѕсhеdulе, there аrе a variety оf dіffеrеnt supplements thаt are аvаіlаblе оn thе mаrkеt today.

These саn help a grеаt deal when it comes tо mаkіng ѕurе that уоur body іѕ receiving the proper amounts of аntіоxіdаntѕ thаt it needs tо stay hеаlthу. Thеѕе саn bе conveniently found on thе Intеrnеt аnd mаnу health fооd ѕtоrеѕ іn your area. Thеrе are numеrоuѕ web ѕіtеѕ that аrе easily ассеѕѕіblе оn thе Wоrld Wіdе Web thаt wіll оffеr уоu a tremendous amount оf helpful іnfоrmаtіоn оn any tуре оf ԛuеѕtіоn уоu mау hаvе соnсеrnіng ѕuррlеmеntѕ thаt аrе оffеrеd, аѕ well аѕ the numеrоuѕ bеnеfіtѕ that they саn оffеr you. Yоu wіll bеnеfіt a grеаt dеаl if you receive thе rіght аmоunt оf antioxidants through thе fооdѕ that you еаt, оr іf уоu rесеіvе them through ѕuррlеmеntѕ that уоu tаkе.

As indicated by the Centers of Medicaid and Medicare Services (CMS), “Mohs Micrographic Surgery (MMS) is a procedure for the expulsion of perplexing or not well characterized skin malignant growth with histologic assessment of 100% of the careful edges. It is a blend of careful extraction and careful pathology that requires a solitary doctor to act in 2 coordinated yet independent and unmistakable limits: specialist and pathologist.”

MMS is a profoundly powerful and very propelled procedure utilized in the treatment of a few kinds of risky skin tumors (recorded beneath). The procedure includes expelling skin malignant growths in a precise and continuous way, where skin is evacuated layer-by-layer, and the total profundity and perimeter is analyzed each cell in turn under a magnifying lens until just disease free tissue remains. This guarantees most extreme viability of malignant growth annihilation with negligible harm to the sound encompassing tissue. Cooperation prepared Mohs specialists, for example, Dr. Hazany, have spent an extra 1-2 years culminating their art under the oversight of an incredibly famous Mohs specialist, where they gain proficiency with the most present and concentrated methods. The propelled procedures Dr. Hazany learned in his cooperation are especially successful for territories that require exact remaking, for example, the face and those that require fragile exactness, for example, the hands.

Mohs Micrographic Surgeon in Beverly Hills, California

Skin Cancer creates on the human body when the skin’s ordinary control components quit working appropriately. At the point when ordinary skin cells kick the bucket, they are supplanted with new sound cells. Malignant growth cells don’t bite the dust; rather, they keep on creating as uncontrolled developments and become anomalous cells in the skin. Mohs Surgery made an answer for these unusual developments of cells during the 1960s. The Fellowship Trained Salar Hazany MD | Beverly Hills Dermatologist, is loved for his fastidious evacuation of skin malignancy cells, and for how well the scar abandoned recuperates. Patients of the center are totally astounded at how the malignant growth isn’t just expelled from that point body yet how cosmetically great the harrowed territory looks a short time later. Situated on Rodeo Drive in Beverly Hills, Salar Hazany MD gives world-class Mohs medical procedure directly here in Los Angeles. Get in touch with us today for your discussion.

What Causes Skin Cancer

Skin disease is because of the improvement of strange cells that can attack or spread. There are three principle kinds of skin malignant growths: basal-cell skin disease (BCC), squamous-cell skin malignancy (SCC) and melanoma.

Basal-cell malignant growth develops gradually and can harm the tissue around it however is probably not going to spread. It frequently shows up as an easy raised region of skin that might be glossy with little veins running over it or may present as a raised zone with a ulcer.

Squamous-cell skin disease is bound to spread, consequently making it progressively hazardous. It as a rule introduces itself as a hard knot with a layered top yet may likewise frame a ulcer.

Melanomas are the most forceful. Signs incorporate a mole that has changed in size, shape, shading, has unpredictable edges, has more than one shading, is irritated, or drains.

Over 90% of cases are brought about by introduction to bright radiation from the Sun. Tanning beds are another basic wellspring of bright radiation. Individuals with lighter skin are at higher hazard, similar to those with a poor insusceptible capacity, for example, from meds or HIV/AIDS.

The analysis will be performed by biopsy.

Medications of Skin Cancer

MOHS

Mohs micrographic medical procedure (Mohs medical procedure) is a strategy used to expel the malignant growth with minimal measure of encompassing tissue and the edges are checked quickly to check whether tumor is found. This gives the chance to evacuate minimal measure of tissue and give the most cosmetically positive outcomes. This is particularly significant for zones where abundance skin is restricted, for example, the face. Exceptional preparing is required to play out this strategy.

On account of ailment that has spread (metastasized), further surgeries or chemotherapy might be required. Peruse More About MOHS and the Doctors Training HERE