Author: Vic Stewart

Tips For Hard Money Borrowers

What is a hard money loan?

There are several different types of loans out their available for people to borrow from, these include- mortgages, student loans, personal loans, the notorious pay-day loan, and hard money loans among others. While the size and length or term of a loan will vary depending on a variety of factors including the borrower’s financial status and credit history, the lender, loan purpose, interest rates, and much more. A hard money loan works by using the value of real property being used as collateral as opposed to evaluating a borrower by their creditworthiness. Due to the use of property as collateral, hard money loans are almost always conducted between individuals and companies rather than traditional banks. Hard money loans like those offered by California hard money direct allow borrowers to raise money quickly though at higher cost and rates. Common uses for a hard money loan include- property flippers, and those with bad credit but solid equity on their home, among others.

Things to consider

There are a bevy of important considerations to make and decide upon before accepting a hard money loan. First, realize that hard money loans carry significantly higher risk and cost, at the same time these loans provide less stringent requirements in terms of loan approval, quicker access to potentially necessary capital, and the ability to adjust/customize repayment schedules. Many times hard money loan investors are not as concerned about immediate repayment due to their desire to attain much greater profits should the borrower default and the property that served as basis for the hard money loan be resold by the original lenders.

Another important thing to note is that the Loan To Value or LTV ratio’s of a hard money loan tends to be much smaller than a traditional mortgage loan, which is usually around 80% LTV ratio as opposed to a hard money loan which may vary from 50% to 70% and above LTV. As is true with all loans the riskier the loan is the higher the interest payments a borrower must make, with a loan from a company like California hard money direct a borrower will likely have to pay (as of 2019) between 7.5% and 15% interest depending on the borrower and the overall length of the loan, in comparison during that same period (2019) prime interest rates were sitting at a significantly lower average of … Read the rest

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Things You Need To Know Before Hiring A Motorcycle Attorney

Getting involved in an accident is the worst nightmare anyone would have. When a person gets involved in an accident, they are both physically and mentally traumatized. If you have got into an accident due to the negligence and mistake of another person, you have full rights to claim damage from the culprit. It sounds so wonderful that you would get compensation from the culprit if you have been involved in an accident. However, it is more of a dream and less of a reality in most cases. As a culprit, no person wants to pay any money for their mistake. Even if they agree to pay, they would want to pay as less as possible so that it does not go heavy in their pocket. If you want to receive the compensation amount that you deserve, you should hire RiderzLaw Motorcycle Lawyers.

When you are looking for an accident lawyer, you would find several options to choose from. If you find out some lawyers in the local search engine, you would see an unending list of lawyers. You would feel it to be a daunting task to decide which one to hire. If you would like to make your work easier, you should follow the tips mentioned below.

First of all, you should find out a lawyer that specializes in motorcycle accident cases. It is necessary to hire a specialist lawyer as they have more knowledge of the laws pertaining to motorcycle accidents as compared to general lawyers. When you hire a random lawyer, they might have to go through the relevant laws to refresh their knowledge.

Secondly, it is important to hire an attorney that is experienced in dealing with motorcycle accident cases. Experience plays an important role in determining the performance of the professional. Generally, the greater experience a professional has, the better they will be able to handle the case. Your chances of getting the right compensation amount will also increase.

Thirdly, you should hire RiderzLaw Motorcycle Lawyers having a high success rate. When the success rate of a lawyer is high, it means they are highly successful in their cases allowing their clients to get their deserved compensation. So, you should find a lawyer that is reputed for winning most of the cases.

When you find that the lawyer you are considering hiring fits in the criteria mentioned above, you should move forward and hire … Read the rest

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How Can You Tell if Your Personal Injury Lawyer is Good?

You never know when something unexpectedly happens, and this goes for everything. Accidents happen everyday and there’s no way of telling when one could occur today or tomorrow. Vehicle accidents are the most common forms of accidents happen all around the world and you never know if you or someone you know could be the next one in it. This is where personal injury lawyers come into significance. With a personal injury lawyer, they’ll come into essential use on the circumstances that you do go through an accident. A personal injury lawyer specifically helps you with your case, regarding each detail that happened in the accident. It can be frustrating enough to go through an accident without anyone’s help, and this is why you need a personal injury lawyer. They’ll record all the precise details needed for your case, and they’ll especially help you regarding insurance- both on the vehicle and medical.

Your insurance is one of the most important things to deal with in an accident. If you’re not properly injured, you’ll end up with unnecessary frustrations regarding property damage and on your claim. With a personal injury lawyer, you’ll have someone help you regarding your claim. In addition, medical insurance is also something you need to arrange when in an accident. The last thing you want is to pay for additional expenses just for medical consultation. A personal injury lawyer will help you go through the entire accident process with ease, and this includes your medical consultation. People that go through an accident make the mistake of avoiding medical consultations just because they feel fine, but this could cost them later on. You never know if you have broken bones or serious injuries that you can’t confirm without the help of a medical professional. Personal injury lawyers are more helpful than you realize, and they’re just not a waste of your expense.

There arw various of personal injury lawyers available in your area. If you’re looking for the right personal injury lawyer for you, is your best source. You’ll find a personal injury lawyer that’s aligned to your needs and expectations. In addition, they’ll lift the burden off your chest in the circumstances of an accident. Whether it’s regarding claims or your case, is perfect for you. There’s a negative notion regarding personal injury lawyers being insignificant, and that’s not true at all. In fact, they’ll … Read the rest

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How the Gig Economy Impacts Background Screening

Gig work is everywhere. If you don’t know what a gig is, you probably haven’t spent much time around the internet. Loosely defined, a gig is a short, one-off, job that pays on a per participant basis. Ridesharing companies are the most obvious example of a gig-based business model, but there are many, many others.

Food delivery is a popular gig. Nowadays, though, there are gig companies for massage therapists, clinical psychologists, doctors, and lawyers. There are even gigs for writers, who craft blogs for smart brands on the internet.

But How Has the Gig Economy Impacted Background Screening?

Background screening used to be pretty standard for most American employers. When you got a job, depending on the parameters of that job, you might have to go down to your local police station and get a set of fingerprints made. You might have to submit those to a national database and wait weeks to begin your new job.

This was a hassle for employers and employees. When businesses are hiring, it’s generally because there is an immediate need. But background checks have been a standard for a reason; employers don’t want people convicted of embezzlement handling their cash deposits, and so on.

But how do gig companies handle this issue?

Well, up until recently, many haven’t been. Many haven’t felt the need to conduct background checks on an employee–really an independent contractor–who may be gone off to another company in a few days. But these gig-type jobs do bring people into relationships of confidence, they bring people into close proximity. A cab company may screen it’s drivers, but does your ride-sharing app?

Now, there are background screening organizations that have built a new system that can more efficiently and quickly screens these gig-workers. This system combines a bit of the old and a bit of the new, it allows people to continue supplementing their income through these gig-type jobs while also protecting the consumers who use these services and the services themselves.

Consumers feel safer knowing their driver or delivery man isn’t going to take advantage of their position to exploit them, and gig-companies themselves feel safer knowing they’re not likely to be sued for negligent hiring.

In short, background checks for gig economy companies are quickly becoming a whole new standard. If you work in the gig economy or want to learn more about background checks for gig economy … Read the rest

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Need A Tax Lawyer: Essential Services

The IRS tax code isn’t easy to understand which is why tax attorneys stay busy. After all, these professionals have been trained on providing advice in complicated issues. They work with trusts, estate planning, tax disputes, and business tax law. Tax layers can even help to prepare tax returns although this is unusual.

When to Seek Out a Tax Lawyer

There are a few reasons why a person might seek out tax lawyers such as local firms like One primary reason is for individuals or groups that are starting a business. Tax law plays into starting both large and small businesses. It’s important to have a good understanding about the structure and tax treatment of the company. Not only can their services help to save money, it will also keep the company compliant with tax laws.

Another reason why it may be necessary to consult with a tax attorney is any legal issues. Anyone who wants to bring a lawsuit against the IRS, is under investigation by the IRS or wants an independent review of their case before the US Tax Court will need the expertise of these professionals. Not only will you want someone who is familiar with a courtroom but also someone who is well-versed in tax laws.

Finally, it may also be beneficial to seek out a tax lawyer if you engage in any type of international business. With this type of business, you’ll need help as laws and taxes vary when working internationally. You’ll likely need assistance with contracts and tax treatments. The assistance of a trained professional can be invaluable in this type of situation. It would not be prudent to try and do international business on your own.

Finding a Tax Attorney

When you find yourself in need of a tax attorney, you’ll want to find a company that is specialized in tax law. You can use a local service such as to find legal help in your area. Make sure to ask any prospective tax lawyers what area of tax law they’re specialized in to find the right fit. You’ll also want to discuss fees and your particular needs to find the right lawyer or firm. It’s well worth taking your time in this area as you want someone who is knowledgeable and can provide the assistance that you need. These are just a few reasons why tax lawyers are needed and … Read the rest

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What Happens After You File a Workers’ Comp Claim

Not sure what to do after a worker’s comp case is filed, or not sure where to turn if you are hurt on the job? If you are unsure if you should file a claim, or if you are dealing with a social security disability claim your former employer doesn’t want to pay out on, Kentons Law Office can help you. Not only in properly filing a claim, but also in helping you determine what your case is worth, who is at fault (and who to go after), and working to ensure you are going to receive just compensation for the injuries you have sustained, due to the fault or negligent acts of others.

Your rights

Kentons Law Office will help preserve your rights and inform you of those rights. Many people are under the impression that they’ll get fired if they do file a worker’s comp claim; this isn’t the case, and your employer can’t fire you because of this. Or, some people aren’t sure who to go after if they sustained injuries and need medical attention. The team at Kentons Law Office will not only help ensure the claim is filed properly and in a timely fashion, but will also inform you of your rights, how much your injuries are worth, and what can or can’t be done by your employer, if you do choose to file a claim.

Proper representation

You don’t have to fight your employer alone or work against other attorneys on your own. When you have a lawyer representing you, you know that you are going to receive what you should receive in the form of damages. You don’t have to try to negotiate on your own, or accept an offer that is far less than your case is worth. The team at Kentons will fight to ensure you receive just compensation, and that your rights are preserved at all times in the process if you do file a claim or if you are hurt, and want to know what your rights and options are, after the accident or injuries have been sustained.

There are quite a few questions running through your mind, and this is often the case after you are hurt. If you aren’t sure what to do, the first step is to reach out to an attorney who will inform you of your rights, and help you in filing a claim … Read the rest

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Top Benefits of Cremation

There’s nothing more painful than losing a loved one. It’s also a burden to the family as they have to start making arrangements of how to dispose of the remains of the deceased. If it has happened to you, then you have to make a decision on which method to use to take care of your loved one’s remains. You can either choose the traditional burial or cremation. Many people today are opting for the latter due to the many benefits it offers. Cremation is easier, cheaper, and more convenient than a traditional burial. Contrary to popular belief, cremation does not go against any religious beliefs as you can still bury the ashes after cremation.

If you’re still not sure whether cremation is the right option for you, here are a few cremation benefits to help you make an informed decision. 

1. Cremation is Cheaper

This is probably the biggest reason why most people are preferring cremation to traditional burial. In these tough economic times, it’s a good idea to go for the cheapest option even when disposing of your loved one remains and cremation is the way to go. When you choose cremation, you save a lot of money that can be used in other more important things. Arranging a funeral service today can cost you up to 6,500 dollars, but cremation can cost you almost half of that amount. When you decide to go the traditional way, you incur a lot of expenses such as buying a casket which can cost you around $2,000. Also, you need to purchase a burial plot, arrange a funeral service, etc. But with cremation, you just pay for the cremation, buy an urn, and if you want, hold a small cremation service.  

2. Portability of the Remains

Another benefit of cremation is that you can take the ashes of a cremated body to anywhere you want. You can take them to a river, ocean, top of a mountain or anywhere you desire. Some people may also choose to keep the urn with the remains in their home. This is great as you will always be near to the remains loved one wherever you move to.

3. Convenience

Cremation is more convenient than traditional burial which requires a lot of arrangements. With cremation, you can do it as soon as your loved passes on and hold a funeral service later whenever you … Read the rest

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What Are Three Current Issues Regarding Employee Rights in the Workplace

If you feel like you have been a victim of discrimination at work, you should do three things. First, you should report it to your supervisor at work or your HR department. Second, you should file a case to EEOC or the Equal Employment Opportunity Commission. Lastly, you should consult with an employee rights attorney group. 

What are 3 Different Forms of Discrimination?

Discriminatory remarks and actions that are unwelcome can be considered a form of discrimination. In a work environment, the common forms of discriminations are related to: 

• age 
• gender 
• race 
• ethnicity or race 
• color of skin 
• disability 
• sexual relationship 
• pregnancy

What to Do in Case You Become a Victim of Discrimination 
If you are in imminent danger, you should call for help immediately. Call 9-1-1 or a family member and ask for help from the police. If there is no danger but the harassment is causing you stress, talk to the person if you can. Ask the person involved to stop. 

If it is currently on-going or happening at your office, keep records of the discrimination. Keep date and time and be as specific as you can with your record. Also, check your work handbook policy to verify if your company has policies against discrimination. Do not hesitate to report discrimination to your HR office and if they won’t do anything about it, then take the case outside your office and talk to an employee rights attorney group. 

There are a lot of employee rights groups that you can find online. You can also ask your HR office if they knew or if they can recommend a particular group. When choosing a group that will represent or assist you, you should consider the following: 

• Will they charge you or are they working pro bono? 
• To what extent will they help you? Will they give advice, or will they represent you if needed? 
• Do they have licensed practitioners that can help you? 
• Do they offer additional services such as counseling for people who were a victim of discrimination and harassment? 

The good thing is, your protection against discrimination is provided by the law hence if a company did something that will discriminate you, it is the law that they’ll have to fight. Do not be afraid to speak out as there are groups and organizations that … Read the rest

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Do You Need a Lawyer After a Car Accident?

There are many reasons why you need a lawyer after a car crash. Before you reach any type of settlement, you want to make certain that all of your rights are covered. Reliable car accident attorneys can do what it takes to make sure that you receive the much needed compensation that is owed to you if you are injured or your vehicle was damaged. When you are hurt and need help, a trustworthy lawyer can make sure that you have a professional on your side so that insurance companies do not take advantage of you.

Many people do not know how much they can get for their injuries and property damages after an accident. It is important to talk with a lawyer because they have the training and experience needed to guide you through the legal process. ”A good attorney can make your life much easier by making sure you know everything you need to know before you sign any agreements.” says, attorney Nancy Hollander. It is important to think about the future because some accidents can cause a lifetime of problems. You do not want to settle quickly and then not be able to be compensated for any doctor’s bills or surgeries that you may need down the road due to your injury.

A qualified lawyer will be able to speak with you about lost wages. If you miss work, you deserve to be compensated for your lost wages so that you can keep up with your normal bills. You should also be compensated for medical bills, emotional distress, pain and suffering, and more. A reliable lawyer will be able to listen to your unique case and tell you what you are eligible for.

Car accident settlement attorneys can make sure that you follow all of the rules that pertain to your type of case. There are different laws in different states, so it is important to talk with a lawyer who can make sure that you follow the guidelines for your specific location.

If you hire a lawyer, the legal process can go by faster and smoother. You will not have to worry about making mistakes and possibly giving up your rights, so you can also have peace of mind. If you are interested in learning more about hiring a qualified attorney to help you after a car crash, contact Farzam Law for more information.

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Celebrities Who Made The Biggest Charity Efforts Ever

Celebrities are most often associated with over-the-top lifestyles and rocky relationships. Their lives provide endless grist for the online info-tainment mill on sites such as YouTube, Facebook, Instagram and Snapchat. Because of their frequent use of mobile devices and social media, America’s young people are in the virtual front row to view everything that these stars, their publicity companies and even their detractors send out. Fortunately, there is a bright spot in this grim story: Many of the most famous sports and entertainment luminaries are also committed to promoting charities that are on the front lines helping young people at risk. Although it is not comprehensive by any means, the following selection of stars and the charities they back might surprise you.


He might be an independent artist, but this widely popular Chicago-born rapper is proudly loyal to his native city. To demonstrate his commitment to at-risk youth, he donated $1 million to the Chicago Public Schools Foundation.

  1. DRE

This entertainment mogul and one-time NWA rapper recently forked over a whopping $10 million to build a performing arts center at L.A.’s newly constructed Compton High School. Among other things, the center will include a state-of-the-art recording studio that can help to foster the talent of South Central’s budding musicians.


This Boston native and award-winning actor created the Mark Wahlberg Youth Foundation in 2001. His organization helps to promote success in vulnerable youth by sponsoring a summer camp for urban teens. In addition, the foundation recently sponsored a summit to address the country’s opioid addiction epidemic.


Arguably the best basketball player of all time, King James is also making a huge difference off the court through his LeBron James Family Foundation. Each year, it gives millions of dollars to young people in James’ hometown of Akron, Ohio that enable financially disadvantaged youth to pursue a college education. The foundation also supports programs for younger kids that encourage community involvement and self-esteem and empowerment.


This up-and-coming Los Angeles musician and entrepreneur wears many hats. He is the drummer for alternative band Half the Animal and is corporate operations officer of Milky Agency. In addition, he serves as chief executive officer of Gross Labs, a music and entertainment studio. The Find Your Grind Foundation, Nick Gross’ charity, provides experiential learning opportunities for aspiring young entrepreneurs who want to think outside the box of Read the rest

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