Debt relief - some basic strategies to getting out of debt

What is Bad Debt

Bad debt is paying interest on something that has no lasting value, pure and simple. For example, using a credit card to purchase a television and planning to pay it off in four or five months would be bad debt.

In the same way, purchasing a house with a thirty year loan is also bad debt. If you look at a loan chart you will see that it takes years (over fifteen) before you are paying more on the principle than on the interest. So unless you stay in the home for a very long time you will owe almost as much on the loan when you sell the house as when you bought it.

It’s for that reason that it is actually smarter to rent until you have a large amount of the home’s price saved up, and then get a ten or fifteen year loan. Renting a home or apartment for $600 or $800 a month (rental amounts vary according the area, of course) will allow you to save money a lot faster than having a $1,000 a month mortgage plus all the other expenses that come with owning a house (higher utilities, yard expense, repair bills, property tax, etc.).

What if You Have Bad Credit?

If you have bad credit and want to get a credit card, it’s a good idea to limit the number of inquiries to your credit report to help keep your score from dipping even further. To do that you need to research the credit cards and decide which cards you’ll have the best chance of obtaining before you fill out any applications.

Typically, cards for bad credit will carry much higher interest rates than the prime credit cards available on the market - but there are benefits associated with having a credit card despite the higher interest rates. But be careful of how much you put on the card each month and pay the card off when the bill comes.

Debt Reduction

Debt reduction credit card consolidation is offered by money lending firms who bail out the people neck-deep in debts. What makes debt consolidation appealing is that various companies offer a combination of several debt reduction and credit repairing plans which aim to completely obliterate a person’s existing debt.

Secured Debt Consolidation Loans

Debt consolidation loans may be classified into secured and unsecured loans. Secured loans are loans such as home equity loans. Secured loans are easier to get than other forms of borrowing because the loan is secured by tangible property.

Home equity loans are collateral loans, in which the loan is secured by a home's equity. Although secured debt consolidation loans offer many benefits like large loan amount, longer repayment period and above all the low rate of interest, it still has one big disadvantage attached to it. That disadvantage is the collateral that could be taken from you if you fail to repay the loan. For instance, several missed payments could result in foreclosure of your home.

Unsecured Debt Consolidation Loans

There is no fear of the collateral being lost through non-repayment of the unsecured debt consolidation loan. Unsecured credit card debt consolidation requires a borrower to furnish proof of his sound income and financial standing, if any. The interest rates are usually higher than for a secured debt consolidation loan.

What to do if You Find Yourself Deep in Bad Debt

First, stop spending and reduce your monthly bills as much as possible. Do not buy any more items that are not absolutely necessary. Instead of purchasing $150 shoes for yourself or your child, purchase $15 shoes.

Second, start paying off the smallest debt first. Then, as you pay off each credit card or loan, use that money that had been going for that debt to start paying off the next smallest debt.

For example, if you have an $8,000 credit card debt and a $2,000 credit card debt, pay off the $2,000 debt first. Then use the money that had been going toward the $2,000 debt to pay off the $8,000 debt.

Of course, while you are putting every extra cent you have toward that lowest debt, you are paying the minimum amount due on the other debts. If your income is so low that you cannot afford to pay the minimum amounts on the debts, you definitely need some professional help from a trustworthy debt counselor.

Depending on the amount of debt it might take a number of years to pay every outstanding debt. But paying off the smallest debt first and then going to the next biggest works better than trying to pay off the largest debt first, or trying to pay them all off at the same time. So get started. The sooner you start the sooner you get out of debt.

Domain name complications

Some of the tell tale sites of domain name that may be easier to obtain are a home to low quality Web sites. If you find yourself in this situation, contact the registered owner and ask if they would consider selling it to you. If the price is right, you may be able to make a deal. To maintain a cool head during the process, don’t act desperate to own the domain.

If the registered owner is willing to sell you the domain name be sure to use an escrow company. There are reputable escrow companies that will guide you through the buying process while minimizing your risks. It is worth spending a modest amount to ensure that you don’t get burned in cyberspace.

Your Web address is part of your brand strategy, and you have to make sure it is easy to remember. Try to pick a name that is easy to remember. I once worked for a company called ZZYZX. The domain name was zzyzxdotcom. Even though it is a short name it is a terrible name, because nobody knew how to spell it or pronounce it. You want your customers to be able to remember and refer your brand to others, so make it as easy for them as you can.

Domain names can be of any length up to 67 characters, but I don’t know why would anyone want a domain name 67 characters long. Your domain name can include 26 letters of the English alphabet, numbers 0-9, and hyphens (-).The domain name cannot begin or end with a hyphen but, it can contain one or more hyphens. Don’t settle for a short domain name that doesn’t compliment your business just to avoid a longer one. As a general rule, shorter domain names are easier to remember, easier to type and far less susceptible to mistakes. For example, "hellodotcom" is easier to remember and less prone to typos than "saygoodmorninginthemorningandgoodeveningintheeveningdotcom".

Others argue that a longer domain name is usually easier on people because it is easier to attach meaning. A short but cryptic name such as zzyzxdotcom is not at all better name than a longer meaningful domain name such as raidsforlessdotcom.

3 great ideas for 4th of july picnic ideas

The 4th of July is fast approaching. Do you need a few great 4th of July picnic ideas to help you and your family celebrate this day? It is almost a tradition that this is one of the best times of the year to head out to the local park with a picnic basket in hand, a few towels and nothing to worry about except for where the best seat in the park is to see the fireworks display. Do you need some ideas to help you to make this 4th a memorable one? No matter whom you are with, what your traditions are and how you do it, there are many ways to enjoy this grand holiday.

To help you, consider these simple yet fun picnic ideas.

Go for color. One of the simplest yet most effective ways to celebrate the 4th of July is with red, white and blue. From table cloths, napkins, paper plates and even ice cubes, you want to have all the colors of the day come shining through. You can make your deserts and foods with these colors as well. Add color for lots of fun.

Dress up! A great way to bring the true history of the day out is to have everyone come to a July costume party. Everyone has to dress as one of the Founding Fathers, Lady Liberty or any other important figure of the time. Even Uncle Sam will do. This is a great way to have some fun on this special day and to do something different to celebrate it.

Plan for water fun. Since July is almost always one of the hottest months, make your 4th of July picnic cooler with a bit of swimming and water fun. Let the kids get out the sprinklers and the wading pool. Get yourself into a water balloon fight. Go for a dip in the local lake or take a trip to the ocean. Enjoy the water and enjoy the day outdoors.

There are plenty of picnic ideas for the 4th of July ready and waiting for you to enjoy them. You can create your own theme, style or method of celebrating if you like. Just look for fun ways to share the day with family and friends. Never forget that music, good food and lots of laughs with friends is the best way to spend the day outdoors waiting for the fireworks to light up the sky.

Best apple pie recipe company apple pie recipe

If you need a classic apple pie recipe, then this is it. It’s easy and fun making homemade apple pie and this recipe is bound to be a favorite.

3/4 cup white sugar

2 tablespoons flour

1/8 teaspoon salt

1 teaspoon ground cinnamon

1/4 teaspoon ground nutmeg

6 tart apples, peeled, cored and sliced

2 tablespoons butter

2 tablespoons whiskey or vanilla extract

2 (9-inch) unbaked pie crusts

Directions

Preheat oven to 450 degrees.

Prepare pie crust and put bottom layer of crust into a 9-inch pie pan.

In a small bowl, mix together the sugar, flour, salt, cinnamon and nutmeg. Place sliced apples in a large bowl and sprinkle with the sugar mixture. Toss mixture until apples are completely coated. Spoon apples into the pie crust.

Dot the apples with butter or margarine and sprinkle the whiskey/vanilla on top. Put on the top layer pie crust and crimp closed. Make several slits in top of crust to vent.

Bake for 10 minutes. Lower oven temperature to 350 degrees and bake for another 40 minutes.

=> Homemade Apple Pie Recipe: Classic American Apple Pie

Americans love their apple pie and this is a great recipe for any occasion. It’s especially good served diner style - warm with a scoop of vanilla ice cream.

1/3 cup packed light brown sugar

1/3 cup white sugar

1 tablespoon all-purpose flour

1 teaspoon lemon juice

1/3 teaspoon ground cinnamon

7 1/2 cups apples, peeled, cored and sliced

1 cup raisins

2 (9-inch) unbaked pie crusts

1 egg

Directions

Preheat oven to 425 degrees.

Spray a deep dish pie pan with cooking spray.

In a bowl, combine white sugar, light brown sugar, flour, lemon, cinnamon; mix well. Add the apples and raisins. Stir until well coated.

Spoon apple mixture into the pie crust. Place second layer of crust on top of filling. Seal the edges.

Beat the egg and lightly glaze top of pie crust with egg mixture. Sprinkle a little sugar on top.

Bake 35 to 40 minutes, until golden brown. Cool on wire rack for 30 minutes before serving.

=> Dutch Apple Pie Recipe: Easy Dutch Apple Pie Recipe

This homemade apple pie is topped off with a sweetly spiced crumble topping that is oh so good.

1 (9-inch) unbaked pie crust

Pie Filling

2 1/2 cups apples, peeled, cored and sliced

1/2 cup sugar

3/4 cup flour

1/2 teaspoon apple pie spice

1 oz. butter, melted

1 tablespoon lemon juice

Streusel Topping

1 1/3 tablespoon dry milk

2/3 cup flour

1/2 teaspoon apple pie spice

1/4 pound light brown sugar, lightly packed

2 tablespoons hard butter

Directions

Preheat oven to 375 degrees.

In a small bowl, combine sugar, flour and apple pie spice. Add dry mixture to apples and toss to coat apples well. Add in the melted butter and lemon juice; stir well. Spoon apple mixture into pie shell.

To make streusel topping, combine dry milk, flour, apple pie spice and brown sugar in a bowl. Cut hard butter into mixture with a fork; mix until well combined. Sprinkle topping over pie filling until completely covered.

Bake 10 minutes. Reduce oven temperature to 300 degrees and bake an additional 25 minutes. Serve with ice cream or cheese.

=> Fried Pie Recipe: Fried Apple Pie Recipe

Forget those fast food versions, this is the real thing. These mini pies are great to pack with lunches.

2 cups all purpose flour

1/2 cup shortening

1 teaspoon salt

1/2 cup cold water

2 apples, peeled, cored and diced

1/3 cup white sugar

1/2 teaspoon ground cinnamon

1 cup vegetable oil

Directions

In a saucepan, combine apples, sugar and cinnamon. Cook over low heat. Cook apples until they are soft and tender. Mash with a fork to form a thick applesauce.

In a bowl, sift the flour and salt together. Cut in the shortening. Add water and mix with a fork. Create a ball of dough and roll out to 1/8-inch thick on a floured board. With a cookie cutter, cut out 4-inch round pieces.

In the center of each dough round, spoon 1 heaping tablespoon of apple mixture. Moisten the edges with cold water and fold. Press edges closed with a fork.

In a large skillet, heat oil on medium high heat. Fry pies a few at a time for 2 to 3 minutes on each side, until golden brown. Drain pies on paper towels. Sprinkle with confectioners sugar.

=> Apple Pie Filling Recipe: Anytime Apple Pie Filling Recipe

Here’s a basic apple pie filling to use whenever you need to make a scrumptious homemade dessert.

18 cups apples, thinly sliced

3 tablespoons lemon juice

4 1/2 cups white sugar

1 cup cornstarch

2 teaspoons ground cinnamon

1 teaspoon salt

1/4 teaspoon ground nutmeg

10 cups water

Directions

In a large bowl, toss apples with lemon juice and set aside. Pour water into a Dutch oven over medium heat. Combine sugar, cornstarch, cinnamon, salt and nutmeg. Add to water, stir well and bring to a boil. Boil for 2 minutes, stirring constantly.

Add in the apples and return pot to a boil. Reduce heat, cover and simmer until apples are tender (about 6 to 8 minutes). Cool for 30 minutes.

Ladle filling into five freezer containers, leave 1/2-inch space at the top. Cool at room temperature for 1 to 1 1/2 hours.

Seal containers and freeze. Pie filling can be stored in freezer for up to 12 months.

Cheap hotels in uk

Cheap Hotels in UK: Classes of Accommodations

Hotels and Guest Houses

You will find a significant difference in both price and facilities between hotels and guest houses in the UK. Hotels usually offer breakfasts, lunches, teas, dinners, a licensed bar and a range of services and facilities to suit individuals, families and often business groups. Country house hotels will often add recreational facilities in their grounds such as golf, tennis, swimming, health spas, gyms and attended play areas for children. Top league international hotels in London and major cities offer comprehensive amenities and services for business and holiday guests, and a choice of first class and luxury accommodation. Guest houses may not have bars or offer lunch or teas, but will have television and sitting lounges.

In England and Wales, the AA, RAC (the largest UK motoring organisations) and the English Tourist Council have come together to provide an overall star for hotels and diamond rating for guest accommodations, including bed and breakfast. Hotels have between one and five stars; guest accommodations between one and five diamonds. In Scotland and Northern Ireland, all tourist accommodations are also graded regularly to provide a clear indication of the level of facilities you can expect.

Bed and Breakfast

Bed and breakfast accommodation, advertised by the famous 'B&B vacancies' sign, is mostly in private homes and the emphasis is on bedrooms rather than on facilities such as a bar or restaurant. They are often the least expensive form of guest accommodation although prices vary between those in the most popular holiday locations and those offering stopovers 'en route'.

Thousands of bed and breakfasts have been visited anonymously by tourist officers to be inspected for a diamond rating of between one and five stars. This is intended as a guide to the quality of accommodation and food on offer.

As private homes, including farmhouses and working farms, B&Bs tend to offer a very personal welcome, and an insight into British ways of life in different parts of the country. Breakfast is intended to fill you and will often include bacon, eggs, fried bread, tomatoes, even fried potatoes and local additions such as black pudding. Or you can enjoy a 'continental' breakfast: cereal, bread, toast, tea, coffee and juice.

Hostels

There are many hostels located all over England, Wales, Scotland and Northern Ireland. Hostels vary in style and amenities but they offer bedrooms with between two and six beds for young people, families and groups. They usually provide substantial breakfasts and dinners at low prices and have communal kitchen facilities if you prefer to cater for yourself.

The main hostel organisations are the Youth Hostel Association (YHA), the Scottish Youth Hostel Association (SYHA) and Hostelling International Northern Ireland (HINI). You do not have to be a 'youth' to stay because there is no upper age limit (in Scotland the lower age limit is 5). But you do have to be a member of the YHA or SYHA, which involves paying a small annual membership fee. There are also a variety of independent hostels offering accommodation. Staying in hostels is traditionally popular with people pursuing backpacking, walking, cycling or generally exploring outdoor pursuits. But there are also hostels in many towns and cities, which enable members to enjoy good basic accommodation on a low budget.

Hard money loans to stop foreclosure

Hard money loans can forestall a foreclosure. Such loans are the specialty that brings out the best and the worst in non-conforming (aka hard money) lenders. If you are facing foreclosure on a property either one that you own or one that you want to purchase before it hits or is already in foreclosure, hard money lenders may be your only resource for sufficient cash in a timely manner.

Hard money lenders can fund a real estate purchase or refinance loan in two weeks or sometimes even less from the time all your documentation is in their hands. Be sure to have all your documentation ready for your broker or lender. Use the following list as a guide:

Written real estate appraisal with photos

Purchase contract if you are purchasing the property

Personal financial statement

Income statement for the borrower

2 yrs P&L for the property if it is income producing

2 yrs Tax returns for the borrower

Statement of use of funds

Proof of where the balance of funding will come from (such as a bank statement showing the funds available) if you are buying the property

Being prepared with a complete package will speed your funding.

For more information visit interestratepolice. com

Counties and Cities Served

Alameda County

Alameda

Albany

Berkeley

Dublin

Emeryville

Fremont

Hayward

Livermore

Newark

Oakland

Piedmont

Pleasanton

San Leandro

Union City

Hard money loans are available for property in Alameda County.

Alpine County

No matter what county your property is in, including Alpine, we can help fund a loan in most cases.

Amador County

Amador City

Ione

Jackson

Plymouth

Sutter Creek

We are able to fund loans on land, residential and commercial properties across the state of California, including in Amador County.

Butte County

Chico

Gridley

Oroville

Paradise

We have extensive experience in most California counties including Butte. Call us for more information on what loans may or may not be available.

Calaveras County

Angels Camp

We can fund hard money loans on Calaveras county residential and commercial real estate

Colusa County

Colusa

Williams

Let us be your last stop in your pursuit of a hard money loan.

Contra Costa County

Antioch

Brentwood

Clayton

Concord

Danville

El Cerrito

Hercules

Lafayette

Martinez

Moraga

Orinda

Pinole

Pittsburg

Pleasant Hill

Richmond

San Pablo

San Ramon

Walnut Creek

Looking for a Contra Costa County hard money lender? Let us help you with the financing you are looking for.

Del Norte County

Crescent City

No matter what county your property is in, including Del Norte, we can help fund a loan in most cases.

El Dorado County

Placerville

South Lake Tahoe

We have extensive experience in most California counties including El Dorado. Call us for more information on what loans may or may not be available.

Fresno County

Clovis

Coalinga

Firebaugh

Fowler

Fresno

Huron

Kerman

Kingsburg

Mendota

Orange Cove

Parlier

Reedley

San Joaquin

Sanger

Selma

Fresno County private money loans are available on most property types.

Glenn County

Orland

Willows

We are able to fund loans on land, residential and commercial properties across the state of California, including in Glenn County.

Humboldt County

Arcata

Blue Lake

Eureka

Ferndale

Fortuna

Rio Dell

Trinidad

Let us be your last stop in your pursuit of a hard money loan.

Imperial County

Brawley

Calexico

Calipatria

El Centro

Holtville

Westmorland

Hard money loans are available for property in Imperial County.

Inyo County

Bishop

We can fund hard money loans on Inyo county residential and commercial real estate

Kern County

Arvin

Bakersfield

California City

Delano

Kern County

Maricopa

McFarland

Ridgecrest

Shafter

Taft

Tehachapi

Wasco

Looking for a Kern County hard money lender? Let us help you with the financing you are looking for.

Kings County

Avenal

Corcoran

Hanford

Lemoore

Let us be your last stop in your pursuit of a hard money loan.

Lake County

Clearlake

Lakeport

Lake County private money loans are available on most property types.

Lassen County

Susanville

Let us be your last stop in your pursuit of a hard money loan.

Los Angeles County

Agoura Hills

Alhambra

Arcadia

Artesia

Azusa

Baldwin Park

Bell

Bell Gardens

Bellflower

Beverly Hills

Bradbury

Burbank

Calabas

Carson

Cerritos

Claremont

Commerce

Compton

Covina

Cudahy

Culver City

Diamond Bar

Downey

Duarte

El Monte

El Segundo

Gardena

Glendale

Glendora

Hawaiian Gardens

Hawthorne

Hermosa Beach

Hidden Hills

Huntington Park

Industry

Inglewood

Irwindale

La Canada

Flintridge

La Habra Heights

La Mirada

La Puente

La Verne

Lakewood

Lancaster

Lawndale

Lomita

Long Beach

Los Angeles

Lynwood

Malibu

Manhattan Beach

Maywood

Monrovia

Montebello

Monterey Park

Norwalk

Palmdale

Palos Verdes Estates

Paramount

Pasadena

Pico Rivera

Pomona

Rancho Palos Verdes

Redondo Beach

Rolling Hills

Rolling Hills Estates

Rosemead

San Dimas

San Fernando

San Gabriel

San Marino

Santa Clarita

Santa Fe Springs

Santa Monica

Sierra Madre

Signal Hill

South El Monte

South Gate

South

Pasadena

Temple City

Torrance

Vernon

Walnut

West Covina

West Hollywood

Westlake Village

Whittier

We are able to fund loans on land, residential and commercial properties across the state of California, including in Los Angeles County.

Madera County

Chowchilla

Madera

No matter what county your property is in, including Madera, we can help fund a loan in most cases.

Marin County

Belvedere

Corte Madera

Fairfax

Larkspur

Mill Valley

Novato

Ross

San Anselmo

San Rafael

Sausalito

Tiburon

Hard money loans are available for property in Marin County.

Mariposa County

Let us be your last stop in your pursuit of a hard money loan.

Mendocino County

Fort Bragg

Point Arena

Ukiah

Willits

We can fund hard money loans on Mendocino county residential and commercial real estate

Merced County

Atwater

Dos Palos

Gustine

Livingston

Los Banos

Merced

Merced County private money loans are available on most property types.

Modoc County

Alturas

Hard money loans are available for property in Modoc County.

Mono County

Mammoth Lakes

No matter what county your property is in, including Mono, we can help fund a loan in most cases.

Monterey County

Carmel

Del Rey Oaks

Gonzales

Greenfield

King City

Marina

Monterey

Pacific Grove

Salinas

Sand City

Seaside

Soledad

We are able to fund loans on land, residential and commercial properties across the state of California, including in Monterey County.

Napa County

American Canyon

Calistoga

Napa

St. Helena

Yountville

Let us be your last stop in your pursuit of a hard money loan.

Nevada County

Grass Valley

Nevada City

Truckee

We can give you quick answers on loan options regarding Nevada County property with a quick phone call.

Orange County

Anaheim

Brea

Buena Park

Costa Mesa

Cypress

Dana Point

Fountain Valley

Fullerton

Garden Grove

Huntington Beach

Irvine

La Habra

La Palma

Laguna Beach

Laguna Hills

Laguna Niguel

Lake Forest

Los Alamitos

Mission Viejo

Newport Beach

Orange

Placentia

San Clemente

San Juan Capistrano

Santa Ana

Seal Beach

Stanton

Tustin

Villa Park

Westminster

Yorba Linda

Let us be your last stop in your pursuit of a hard money loan.

Placer County

Auburn

Colfax

Lincoln

Loomis

Rocklin

Roseville

Placer County private money loans are available on most property types.

Plumas County

Portola

We can fund hard money loans on Plumas county residential and commercial real estate

Riverside County

Banning

Beaumont

Blythe

Calimesa

Canyon Lake

Cathedral City

Coachella

Corona

Desert Hot Springs

Hemet

Indian Wells

Indio

La Quinta

Lake Elsinore

Moreno Valley

Murrieta

Norco

Palm Desert

Palm Springs

Perris

Rancho Mirage

Riverside

San Jacinto

Temecula

Hard money loans are available for property in Riverside County.

Sacramento County

Folsom

Galt

Isleton

Sacramento

We have extensive experience in most California counties including Sacramento. Call us for more information on what loans may or may not be available.

San Benito County

Hollister

San Juan Bautista

We are able to fund loans on land, residential and commercial properties across the state of California, including in San Benito County.

San Bernardino County

Adelanto

Apple Valley

Barstow

Big Bear Lake

Chino

Chino Hills

Colton

Fontana

Grand Terrace

Hesperia

Highland

Loma Linda

Montclair

Needles

Ontario

Rancho Cucamonga

Redlands

Rialto

San Bernardino

Twentynine Palms

Upland

Victorville

Yucaipa

Yucca Valley

Let us be your last stop in your pursuit of a hard money loan.

San Diego County

Carlsbad

Chula Vista

Coronado

Del Mar

El Cajon

Encinitas

Escondido

Imperial Beach

La Mesa

Lemon Grove

National City

Oceanside

Poway

San Diego

San Marcos

Santee

Solana Beach

Vista

Hard money loans are available for property in San Diego County.

San Francisco County

San Francisco

San Francisco County private money loans are available on most property types.

San Joaquin County

Escalon

Lathrop

Lodi

Manteca

Ripon

Stockton

Tracy

We have extensive experience in most California counties including San Joaquin. Call us for more information on what loans may or may not be available.

San Luis Obispo County

Arroyo Grande

Atascadero

Grover Beach

Morro Bay

Paso Robles

Pismo Beach

San Luis Obispo

Let us be your last stop in your pursuit of a hard money loan.

San Mateo County

Atherton

Belmont

Brisbane

Burlingame

Colma

Daly City

East Palo Alto

Foster City

Half Moon Bay

Hillsborough

Menlo Park

Millbrae

Pacifica

Portola Valley

Redwood City

San Bruno

San Carlos

San Mateo

South San Francisco

Woodside

We can fund hard money loans on San Mateo county residential and commercial real estate

Santa Barbara County

Buellton

Carpinteria

Guadalupe

Lompoc

Santa Barbara

Santa Maria

Solvang

Let us be your last stop in your pursuit of a hard money loan.

Santa Clara County

Campbell

Cupertino

Gilroy

Los Altos

Los Altos Hills

Los Gatos

Milpitas

Monte Sereno

Morgan Hill

Mountain View

Palo Alto

San Jose

Santa Clara

Saratoga

Sunnyvale

We are able to fund loans on land, residential and commercial properties across the state of California, including in Santa Clara County.

Santa Cruz County

Capitola

Santa Cruz

Scotts Valley

Watsonville

We have extensive experience in most California counties including Santa Cruz. Call us for more information on what loans may or may not be available.

Shasta County

Anderson

Redding

Shasta Lake

Shasta County private money loans are available on most property types.

Sierra County

Loyalton

Let us be your last stop in your pursuit of a hard money loan.

Siskiyou County

Dorris

Dunsmuir

Etna

Fort Jones

Montague

Mount Shasta

Tulelake

Weed

Yreka

We can give you quick answers on loan options regarding Siskiyou County property with a quick phone call.

Solano County

Benicia

Dixon

Fairfield

Rio Vista

Suisun City

Vacaville

Vallejo

Let us be your last stop in your pursuit of a hard money loan.

Sonoma County

Cloverdale

Cotati

Healdsburg

Petaluma

Rohnert Park

Santa Rosa

Sebastopol

Sonoma

Windsor

We have extensive experience in most California counties including Sonoma. Call us for more information on what loans may or may not be available.

Stanislaus County

Ceres

Hughson

Modesto

Newman

Oakdale

Patterson

Riverbank

Turlock

Waterford

We can fund hard money loans on Stanislaus county residential and commercial real estate

Sutter County

Live Oak

Yuba City

We are able to fund loans on land, residential and commercial properties across the state of California, including in Sutter County.

Tehama County

Corning

Red Bluff

Tehama

Tehama County private money loans are available on most property types.

Trinity County

We can give you quick answers on loan options regarding Trinity County property with a quick phone call.

Tulare County

Dinuba

Exeter

Farmersville

Lindsay

Porterville

Tulare

Visalia

Woodlake

We have extensive experience in most California counties including Tulare. Call us for more information on what loans may or may not be available.

Tuolumne County

Sonora

Looking for a Tuolumne County hard money lender? Let us help you with the financing you are looking for.

Ventura County

Camarillo

Fillmore

Moorpark

Ojai

Oxnard

Port Hueneme

Santa Paula

Simi Valley

Thousand Oaks

Ventura

No matter what county your property is in, including Ventura, we can help fund a loan in most cases.

Yolo County

Davis

West Sacramento

Winters

Woodland

Hard money loans are available for property in Yolo County.

Yuba County

Marysville

Wheatland

Let us be your last stop in your pursuit of a hard money loan.

Refining a golf swing

One of the most important aspects of playing golf is refining the golf swing. The golf swing is a vital tool that is used to deliver the golf ball down a fairway and it can be used by a golfer to find a way out of a sand trap or two. The golf swing should be practiced more than putting because there are certain places on a golf course that can not be attempted with a good golf swing to clear it.

Most golfers will practice golf at a driving range because the golf swing is what drives the golf ball down a fairway. The golfer has many choices in irons and woods that they can use throughout the course of a game of golf and must perfect the use of each of these instruments to ensure that the best score is achieved during any golf game. Some days at the driving range might be used to perfect the use of a putter too.

Some of the areas that a golfer must work on to perfect the perfect golf swing are the placement of the arms and legs when holding an iron and the posture of the entire body when making many types of golf shots. The golfer will mainly be concerned about the direction of the body when it is over the ball when it is sitting on a golf tee ready to tee off.

Some golfing enthusiasts will feel the need to dress for the occasion and will spend a considerable amount of time selecting golf clothes at the pro shop before practice. They might get some forms of instruction from the golf pro about the correct method to hold a golf club and which methods of teeing off work best.

The golf pro is likely going to pay particular attention to the way the golfer folds the fingers around an iron and the particular position the elbow is end at various stages of the golf swing. The golf swing can be hindered dramatically if the golfer is not following through on the delivery and the pro can tell them how to correct any type of problem they have in a matter of minutes.

Simple corrections in posture and the amount of force used to hit a ball during various phases of a golf swing can make a dramatic difference on improving a golf swing and in most cases the position of the hips have a lot to do with why the ball is not going as far as the golfer intended it to. A golfer always has to practice and consider a lot of things when perfecting a golf swing whether they are on a golf course or at a driving range.