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(NaturalNews) As Flint, Michigan, continues to be faced with the challenge of cleaning up its own lead-tainted water supply, another city in the state of Ohio finds itself dealing with a similar problem.Once again, federal, state and local officials have failed in their responsibility... |
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(NaturalNews) In recent years, a new approach to treating breast cancer with radiation therapy has been developed. The introduction of hypofractionated whole breast irradiation (as opposed to conventional whole breast irradiation) has reduced the length of treatment by about half... |
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(NaturalNews) Cases of a rare and life-threatening birth defect are on the rise, and medical experts claim to be baffled by the increase in incidences of the disease. The defect – gastroschisis – causes babies to be born with some of their internal organs protruding outside... |
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(NaturalNews) Some people have simply amazing green thumbs, but for most of us, indoor gardening can be quite the challenge. If this is also true in your case, then it might seem impossible that you can grow the most gorgeous, organic, healthy fruits in your own home. Fortunately... |
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(NaturalNews) Here a vaccine, there a vaccine, everywhere a vaccine-vaccine.Everywhere you look, there seems to be a sense of urgency to get one, from signs on street corners to ads in the newspaper. Undoubtedly, your own doctor has suggested that you and your children get such... |
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(NaturalNews) Recent revelations that the National Security Agency (NSA) spied on the heads of state of countries allied with the United States – even after President Obama promised to end such spying – have sparked new debates about U.S. surveillance culture.Yet,... |
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(NaturalNews) Amazon.com's online sales empire is built on the ability to quickly deliver nearly any product straight to the customer's door. Increasingly, that speed is driven by automated systems, rather than human labor.In 2012, the company purchased a robotics manufacturer... |
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(NaturalNews) American Girl Dolls prides itself on providing dolls that mirror their young clientele. Within that milieu are young girls with diabetes. Instead of treating diabetes as an illness that can generally be avoided, American Girls has embraced it with open arms, by offering... |
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(NaturalNews) The world is a dirty place, as most of us are aware, but some places are dirtier than others - and some are more dirty than we realize. Take your office desk and computer keyboard; who would have thought they could be such harbingers of disease?Okay, well, nothing... |
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(NaturalNews) It's difficult - particularly for observers of a certain age and cultural background - to resist drawing the obvious comparisons between science fiction and the reality which is now unfolding regarding the development of autonomous weapons systems, e.g. "The Rise of... |
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(NaturalNews) A young mother from Farmington, New Mexico, was left heartbroken after her newborn came back from the hospital missing a toe. A nurse at the University of New Mexico (UNM) Hospital accidentally chopped off the infant's pinky toe when removing an IV.Mother Erica Hogue... |
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(NaturalNews) I've spent the last two years running a heavy metals analysis science lab (labs.naturalnews.com) and writing a detailed, heavily researched book on forensic food analysis. To my horror, I've come to the conclusion from all this that humanity is driving itself insane... |
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(NaturalNews) On Darren Miller's 50th birthday, he received the devastating news of a lung and pericardial heart sac cancer diagnosis in which he was given about one year to live – and that was with chemotherapy. However, the Illinois resident was having nothing to do with death... |
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(NaturalNews) Day after day, month after month, the people of Flint, Michigan, were poisoned by increasing amounts of lead and other toxins coming from the city's water supply. The poisoning began in April 2014, when the source of the city's drinking water was switched from Detroit... |
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(NaturalNews) The S.1203 bill has been quick to draw criticism from a variety of groups due to its controversial attempt to mandate vaccinations for all veterans that wish to receive medical services from the Veterans Administration (VA).(1)It has long been suggested... |
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(NaturalNews) Gardening is a great and cost-effective way to increase your intake of healthy plant foods, as well as increasing your family's self-sufficiency. But starting a garden can be daunting for people with limited experience. In particular, beginners may have trouble with... |
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(NaturalNews) It seems that Big Brother never tires of finding new methods for keeping an eye on us.The latest revelation involves a scheme that has been in progress for the last seven years, in which small aircraft are being used to collect information from cellphones by mimicking... |
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(NaturalNews) It's no secret that opioid addiction is a serious problem; the statistics speak for themselves. According to the Centers for Disease Control and Prevention (CDC), nearly 7,000 people are treated in emergency departments on a daily basis, because they used prescription... |
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(NaturalNews) Major soft drink and cereal manufacturers in Britain have pledged to reduce sugar content in their products, but only to avoid a new 'sugar tax' being considered by Prime Minister David Cameron.Cereal giant Kellogg's has promised to use 723 tons less sugar in all... |
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(NaturalNews) Growing older isn't exactly something we look forward to. But fortunately, there are some things we can do to keep our brains sharp as we enter into our senior years. Keep Your Brain Young, written by Guy McKhann and Marilyn Albert, examines memory function in the elderly... |
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(NaturalNews) Most people take measures to ensure that the items they use in their homes on a daily basis are not on par with things that are considered unsafe for their bodies or the environment.However, researchers from the University of Colorado Boulder have discovered that... |
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(NaturalNews) China has just conducted the third flight test of a hypersonic missile which has the potential of breaching U.S. missile defense systems. The successful flight test of the Wu-14 hypersonic glide vehicle was carried out early in December, following two other tests which... |
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(NaturalNews) An immobile, self-crippling generation of processed, junk food dependents may have something to look forward to in the near future. A new drive-thru supermarket invention is poised to capitalize on consumer laziness, providing a unique drive-thru shopping experience... |
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(NaturalNews) In a controversial study that has been slammed by animal rights groups, scientists in China have engineered autistic macaques using a human "autism gene" that has been linked to autistic symptoms. The study hopes to find a treatment for the poorly understood disorder... |
The variety of options for investing in real estate has expanded considerably in recent years with the popularity of investment via crowdfunding. This is making it easier for small investors to become involved in the market and to explore the possibilities of passive investment. The strength of the commercial market in recent years makes this type of investment a good idea, for a number of reasons.
According to the IRS, there are only two sources for passive income: rental activity or a business in which the taxpayer does not materially participate. Gain on a partial or entire disposition of a passive activity generally is also passive income.
While not as entirely restful as it sounds, passive investing in real estate can be a smart way to generate income with little regular effort. It’s basically income derived from a property in which the investor does not “materially participate.” For many investors, this approach makes sense, given the performance of passive assets compared with active investment options in the last few years.
One reason why passive real estate investment is currently so attractive is the accessibility of a huge range of properties. The use of technology and crowdfunding are putting deals from across the country in front of prospective investors, increasing their options. With access to these tools, it’s easier for investors to find the deal that suits them best.
A carefully selected property that is well managed will most likely only appreciate in value, without any effort to that end from the investor. This is not necessarily the case with other, more active, investments. Passive real estate investment can be an effective hedge against inflation.
Read the entire article posted at Seeking Alpha.
To discuss commercial real estate financing needs contact Liberty Realty Capital.
The post 4 Reasons Passive Investing Makes Sense In Real Estate appeared first on Liberty Realty Capital Group.
from Liberty Realty Capital Group http://ift.tt/1nDhYca
from NutritionFacts.org http://www.youtube.com/watch?v=BDl4zqNxI-o
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(NaturalNews) To all Natural News readers: I normally wouldn't be posting this article on Natural News, as we've switched all politics and liberty coverage over to NewsTarget.com. But with all the rumors and speculation now circulating about Pete Santilli, I thought it important to... |
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(NaturalNews) It isn't as if the current civil war in Syria has not already taken a ravenous toll on the Middle Eastern country's children, but so, too, has a recently administered measles vaccine that the Assad government claims was sabotaged.According to a mid-September report... |
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(NaturalNews) Some clues about the origins of the latest Ebola outbreak may be found in the contents of a speech given at the 109th meeting of the Texas Academy of Science back in 2006. Professor Erik Pianka reportedly told his audience that the best way to kill off 90 percent of... |
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(NaturalNews) Official data reported at the National Conference on Radiation Control shows that the U.S. has been experiencing a huge spike in radiation from Fukushima. Levels are considered to be far exceeding the federal regulatory limit, with nearly 1,000 times the normal amount... |
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(NaturalNews) On January 5, a state of emergency was finally declared in Flint, Michigan. Having switched back to Detroit water in October 2015, the city of Flint still had a long way to go before their lead-poisoned water was once again safe to drink.Nevertheless, it seemed as... |
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(NaturalNews) A diagnosis of cancer can bring immense fear, anxiety and feelings of hopelessness. Most newly diagnosed patients and their family members will listen closely to what their physician tells them is the best avenue for treatment, then follow that advice, relying completely... |
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(NaturalNews) A South Korean entertainment company, criticized for forcing a teenage Taiwanese K-pop star to apologize for waving a Taiwanese flag on South Korean TV, has had its website taken down by hackers, a spokesman said Tuesday.JYP Entertainment represents the singer, Chou... |
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(NaturalNews) To a liberal – especially a climate change activist – there is no such thing as the rule of law when it comes to saving the planet. In fact, when the planet is at stake, then anything goes.That's the only way to explain how a jury in one of the country's... |
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(NaturalNews) More and more, Americans who are guilty of nothing more than noncompliance with the status quo are being targeted by an out-of-control system that bears virtually no resemblance whatsoever to the nation's constitutional founding principles.The latest example of ... |
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(NaturalNews) It's no secret that the weather is becoming more severe as time goes on. From places like Buffalo, New York, which recently got hit with a hefty 5 feet of snow during one storm, to other areas that experience extreme temperature fluctuations from one day to the next... |
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(NaturalNews) There are dozens of chain restaurants from which we can choose when we go out to eat. Some are fast-food eateries with counters for ordering, and others are traditional sit-down table service restaurants. Probably McDonalds is the most well-known fast-food chain, but... |
Don't judge a vegetable by its color alone. Vibrant fruits and vegetables have standout appeal, but recommendations to "eat the rainbow" can exclude one underappreciated category: white fruits and vegetables. These boast a variety of flavors and noteworthy nutrition accolades, according to research published in Advances in Nutrition. The researchers pointed out that many nutrients—including several that Americans don't get enough of—and good-for-you phytochemicals that give fruits and veggies their health benefits are not always colorful.
When the 2015 Dietary Guidelines for Americans were released, they were met with mixed reactions. We're excited to share our advisor Dr. David Katz's response to the report:
As the economy has recovered from the downturn of 2008 and banks once again have money to lend, they remain bound by regulations and restrictions that keep them from making loans that carry even the slightest of risks. Private lenders are left to fill the substantial void in lending, where there are risks worth taking for the appropriate return.
The question for such lenders, be they companies, family offices or maybe even individuals with money to lend and an appetite for a little risk, is how to structure a loan against real estate to become comfortable with the added risk that a bank would not take?
Let’s start with the most basic concept of hard money lending—there is simply a greater risk that the hard money loan will default, so it’s critical to make as much money as possible while the loan is still current, and to take as much collateral as you can in order to mitigate your risk.
A starting point: Obtain detailed PFS’s and request a pledge of all assets listed
The borrower who has come to you for a loan could not qualify for the bank loan and is not in the best position to negotiate terms. While there is some competition for these borrowers, the hard money lender should always start by asking for everything, including the kitchen sink.
Obtain personal financial statements (PFS) for each of the borrower’s principals, and scour those for any assets listed. Do not let a principal give you a scaled down PFS—the documents should be detailed, clearly listing how each asset is titled. If there are unencumbered assets, you should take liens against them, and if assets exist that have senior liens, ask for junior liens. Membership interests in other limited liability companies can also be very valuable, even if they are minority interests.
Risk tactic #1: Get a guaranty with a confession of judgment clause
A guaranty from each principal is just as important as taking collateral. Each guaranty (and each promissory note) should contain a confession of judgment clause (or cognovit clause) if such clauses are legal in your state. A confession of judgment clause can save months of time in the collection effort after a default occurs.
Read entire article at National Real Estate Investor for more information.
To discuss hard money financing needs contact Liberty Realty Capital Group here.
The post Structuring Hard Money Loans: Four Escalating Strategies to Minimize Your Risk appeared first on Liberty Realty Capital Group.
from Liberty Realty Capital Group http://ift.tt/1UttuB0
