November 2017


Long Distance Moving Tips to Save You Time and Money


Whether you’re moving into or away from the local area, long distance moving can be an extremely time-consuming and difficult process. It requires precise planning and execution, not to mention hard work and dedication. Everything must be done ahead of time and, more importantly, the entire move needs to operate as smoothly as possible. After all, it’s not like you can just drive back and forth from old and new residences to fix any issues.

Working with a long distance mover can simplify and reduce the stress of your relocation. The professional mover will have the expertise to expedite the entire move so you can be settled in your new home quickly and affordably. In the meantime, the following moving tips are designed to help make your upcoming move easier and more efficient.

Purge Your Belongings
Long distance moving can be costly and are usually based on weight. Purge any household items you no longer use or want to replace at the new location. The less you have to pack, move, and unpack, the more time and money you can save. Remember to recycle and donate as many items as possible.

Understand You Cannot Move It All
Whether the local area is your current or future home, there are two categories of items that you will not be able to move long distances: food and hazardous materials/chemicals.

Start planning out your meals based on the food you have in your refrigerator a few weeks before the move. While you can move boxed and canned food items, they contribute to the total weight so you’d be paying to move groceries. The more you can reduce your grocery load the better. Keep in mind that perishable foods like produce, meat, dairy, and frozen items cannot be moved for an extended period of time.

Hazardous materials and chemicals should not be moved either. Check with your state or local waste management service to see how to go about safely disposing of any hazardous materials. Your long


distance mover should be able to assist you with the disposal process as well.

Drive Your Car
When you move you have the option of shipping your car. While this saves you the hassle of driving your car such a long way, you’re going to pay for that convenience. In addition to the expense, most transporters only move cars on a specific schedule, which means you might arrive at your destination long before your car does.

Hire a Professional Long Distance Mover
You might think you can complete a long distance move on your own and, with the right planning, you probably could. The issue, however, is experience. Long distance movers have moved all types of items many times before. In fact, many do so once or twice a week, so they know what to anticipate and can help you plan accordingly. Hiring a long distance moving company is a lot more affordable than you might think, especially when you consider the time you save and the hassles you avoid when you hire a professional.

If you’re relocating to or from the area, consider a long distance mover that has the experience and tools to make your move as convenient and easy as possible. A long distance moving company can help you move anywhere in the United States, and also has storage services to help you in between moves. Remember that the best mover always uses best practices, professional staff, and state-of-the-art equipment so you can trust that your property is in good hands anywhere you go.


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Residential Real Estate

Residential Real Estate Investment Loans


All types of loans are subjected to the criteria of character, collateral and capacity to pay, otherwise known as the “CCC criteria” among credit institutions. Residential real estate investment loans are not exempted from these criteria. Years have passed and a lot of lessons learned from the bad effects of the sub-prime mortgage scam that lenders of these investment loans inevitably constrict their loan windows. Institutional lenders are now subjecting themselves to self-regulation subsequent to the U.S. economy inching itself towards equilibrium. Indeed, the economy is easing, it is public knowledge that America’s loan delinquency rate is decreasing but the pace is slow and investments are “heating” in the alternative rental sector which is a logical consequence in housing thousands who were dislocated. Overall, tight credit bearing is not removed specifically the residential loans as lenders are not able to adjust absolutely avoiding speculation invoking the “CCC criteria” in a stricter sense.

The trouble is not absence or lack of money for loans but rather creditors are staying from demands by utilizing the “CCC criteria”, as mentioned before. This on the other hand, is an encouragement for lenders of the residential real estate investment loans to be prepared and careful. Lessons learned on the recent scam, both borrowers and lenders are practicing caution. Thicker “paper trails” is the result of tight credit situation. Borrowers now should be aware that lenders or creditors are extra cautious of the “person” or “character” of their borrowing client. Papers must be presented proving borrower’s credit standing and track record, employment history proving amount and source of income, real property assets with no liens and encumbrances or management experience if the loan will be use for commercial purposes.

Borrower’s real property assets will be checked to qualify for “collateral”; these properties must be free of liens and encumbrances. There are lenders who may accept chattel mortgages or jewelries but they may now belong to the exception than the rule. The mortgage crisis was prodded by the unregulated, non-collateralized loans to residential owners even aliens were enticed to borrow. More importantly, borrowers must convince lenders or creditors that they are willing to pay because they have the “capacity” to do so. Thus, the synergy of income, management acumen and property assignment must be proven on paper as grounds of the borrower to pay both the principal and interest prior approval of the residential real estate investment loans.

Preparation is followed by calculation on the part of the borrower. While the lender strictly monitors the borrower’s preparation to avail of the loan using character, collateral and capacity to pay, prudence is not yet attained if the borrower blindly accepts what is not due. At the very least, borrowers must be prudent enough to know the terms of payment specifically the “due dates”. The borrower must know the law covering the contract, know exactly the amount borrowed, and compute with precision the interest charges and the total amount to be paid over a certain period of time.

To avail of the residential real estate investment loans is a lesson in prudence learned over a long decade at the onset of the 21st century. The bitter pill has to be taken but worked both ways in developing the virtue of prudence in lending and borrowing. While the availability of residential real estate investment loans remained “tight”, it is a message that borrowers must prepare before they plunge.


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