Taking a small business loan is one of the popular ways to benefit from guaranteed business loans. This type of debt is issued mostly by banks, and other lending partners are backed and vouched for by the Small Business Administration (SBA). It is a federal agency that supports lenders willing to grant these loans at low-interest rates and flexible payment terms. While they are the most popular form of finance backed by the SBA, these loans are incredibly tough to secure. Here are some things that you should know about the process before applying for a guaranteed business loan with the administration. Loan amount guaranteed If the lender issues a loan amount of $150,000 or less, the SBA will guarantee 85% of that amount. If the requested amount is more than $150,000, the federal agency will guarantee up to 75% of that amount. Either way, you have an established government entity that is willing to back your loan and pay for a substantial share, with the maximum cap limit set at five million dollars. The federal guarantee is applicable for loans under sec 7(a) and 504 programs of the Small Business Administration. Using the loan amount The amount can be used as working capital, or for any expansion, or even purchase of equipment for the business.

Commercial real estate comes with big benefits and a big fat income, especially if you’re looking at it as a form of investment. And some of the most beneficial pieces of commercial real estate include the triple net (NNN) properties that can be leased. So, if you’re looking to invest or purchase NNN properties, here are a few tips that’ll help you make the right purchase decision. What is a NNN lease? It a lease agreement in which tenants of a certain property take complete responsibility of all the operating expenses on top of the rent that they are paying the landlord. For any commercial property, the operating expenses can be divided into three parts: tax, insurance, and maintenance. If a tenant takes on only one of these expenses, it is considered a single net lease. If they take on two of the operational expenses, it is then a double net lease. If they take on three, it’s a triple net lease. Generally, NNN leases are taken up by office buildings, industrial areas, malls, restaurants, and even pharmacies. NNN properties are quite beneficial from an ownership viewpoint as they can protect the owner from incurring unexpected expenses and make for some steady and passive income.

A reverse mortgage helps you convert your home equity into funds that may be the need of the hour. It is quite similar to a traditional line of credit that you can avail from banks and financial institutions. As it is with any mortgage, the title of the property remains in your name and you get to enjoy certain additional benefits with a reverse mortgage. The Department of Housing and Urban Development (HUD) commonly offers a Home Equity Conversion Mortgage (HECM) for eligible applicants. Not everyone can apply for this exclusive line of credit as reverse mortgage eligibility is reserved only for seniors over a certain age. Reverse mortgage eligibility criteria Here are the basic requirements to qualify for a reverse mortgage: The first requirement is that as a homeowner, you must be over the age of 62 to apply for the line of credit. If your spouse is under the age of 62 but meets certain special criteria mentioned, they can apply for a reverse mortgage subject to the approval terms and conditions. The home title should be in your name, which should also be your permanent address for a major part of the calendar year. A reverse mortgage cannot be taken on multi-unit buildings or property that is considered commercial in the eyes of the law.

Addiction is a compulsive activity, which translates to a sensation triggered by a substance. Some merely enjoy the feeling stimulated by an addiction, whereas others are dominated by their indispensable need to use a particular substance that stimulates the addiction. These substances can be harmful with prolonged use and often manifest in unusual ways. From among several weird addictions, such as the constant urge to work out, go shopping, use smartphones, drink coffee, and eat inedible substances, which one tames, explained below in detail are five unusual such addictions that are pretty common. Caffeine enema For most people, their daily cup of Joe is what gets them ready for the day. But for some, their addiction to coffee has motivated them to take it in from the bottom! Similar to an enema, caffeine enema can be done quite easily, and many do this multiple times simply because coffee can be absorbed faster. Doctors may recommend a caffeine enema, as it is an effective colon cleanse. It also acts as a laxative stimulant for healthy bile flow. However, many enjoy the activity so much that they now have a compulsive need to perform a coffee enema. Tanning Who would have thought that the pleasurable activity of basking in the sun at the beach can become an addiction?

It is common for people to borrow and pay for their education, housing, or supplement other pressing financial requirements. However, the high-interest rate and repayment schedule often make it difficult for borrowers to manage their debt. To help pay off outstanding amounts, debt settlement companies help reduce and consolidate loans for better financial management. Have a look at the top 10 debt settlement companies and their key features. National Debt Relief National Debt Relief offers the best short programs for a larger (minimum $20,000) debt payoff. It ranks highly among the top 10 debt settlement companies and is accredited by the AFCC (American Fair Credit Council). The company charges a standard 15% to 25% fee for reducing your debt by almost 50%. Accredited Debt Relief If you are struggling to pay off multiple creditors, American Debt Relief can help you with your outstanding debts with its unique 12 and 48-month programs. The minimum amount you can settle is $7,500 and at present, the company has active operations in only 32 states. Freedom Debt Relief Freedom Debt Relief is one of the top AFCC accredited choices for variable programs that cater to a large customer base. On average, you may incur a 22% charge for settling debts as low as $7500.

The word aging is scary to some and existential to others. Some fear the gray hair and wrinkles, while others cannot comprehend the idea of being unable to do what they could when they’re young. But there’s no reason to be worried or afraid because aging is a part of life. The only way to approach it is by knowing what to expect from it and how to deal with it. What should you expect from aging? Aging is associated with biological, psychological, physiological, and behavioral aspects that will slowly begin to change over time. Some of these changes are of little to no effect, while others cause increased susceptibility to diseases and disability. So, here are some changes that you should expect: The cardiovascular system Aging causes stiffening of the cardiovascular muscles. Your heart then works harder to pump blood to the rest of the body and increases blood pressure and other such heart-related diseases and disorders. Bones and muscles As you age, your bones begin to shrink both in size and density, making them prone to fracture. Muscles tend to lose their flexibility, which then affects coordination and balance. Digestive system Your large intestine and the rest of the digestive tract undergoes a lot of age-related changes, which leads to constipation.

Owing to the dynamics of the human body, the elderly are especially susceptible to multiple ailments and conditions that restrict their movement in more ways than one. While an array of such illnesses exists in nature, arthritis is probably the most common among the said age-group, although youngsters and adults are just as likely to be diagnosed with it. Broadly, arthritis refers to the inflammation of the joints—the point where two bones are connected, similar to an overbridge which links two roads. The condition can affect multiple joints and has over 100 subclasses within it. Nonetheless, osteoarthritis (OA) and rheumatoid arthritis (RA) are more common than the others, with women and overweight individuals more vulnerable to it. What causes arthritis? Given the location of its existence, severe injury to the joint is usually the most common route to arthritis. Excessive pressure on the organ could damage the cartilage – a connective tissue in the joint that acts as a shock absorber in an automobile and allows for unrestricted movement of the bones. However, arthritis can take birth in many different ways: infections, genetics, and immune disorders being a few among others to cause the ailment. The disease sometimes occurs randomly, which adds a level of unpredictability to it.

The Dodge Ram 2500 is a heavy-duty, plush, and robust pickup truck and is primarily built for hauling and towing. The Dodge Ram 2500 is often used by commercial contractors, farmers, and ranchers and is also used to haul horses, RV trailers, or big boats. So, if you are looking for a heavy-duty truck that delivers on muscle and power, then read on to know why you should buy the all-new Dodge Ram 2500. Power-packed engine Nothing defines heavy-duty than a powerful purring engine. The Dodge Ram 2500 comes with a 410-hp, 6.4-liter V8 engine. It also has an optional 6.7-liter Cummins turbo diesel inline six-cylinder engine that churns out 370 horsepower and 850 lb.-ft. of torque. The Dodge Ram’s immense towing ability comes from its phenomenal torque. The powerful torque of 429 lb.-ft even in the normal engine ensures you that there isn’t anything that the Dodge Ram 2500 can’t tow. Smooth and comfortable ride The automakers have ensured a comfortable drive as the pickup truck comes with a coil spring rear suspension, the ones we see in SUVs. The Dodge Ram 2500 has also upped the ante with an optional rear air suspension with a bed-lowering mode, making it easier for drivers to match the height of their trailer to its tow hitch.