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Ranking the Best Mortgage Brokers in the State
Arizona's real estate market is booming, with more people looking to buy homes than ever before. However, navigating the complex world of mortgages can be daunting. That's where mortgage brokers come in. These professionals act as intermediaries between borrowers and lenders, helping you find the best loan options for your needs. In this article, we'll explore the role of mortgage brokers in Arizona and highlight some of the best brokers in the state.
Understanding the Role of Mortgage Brokers
The Best Mortgage Brokers Arizona are professionals who help borrowers find the right mortgage products and lenders for their needs. These brokers work with a variety of lenders to offer borrowers a range of options and help them navigate the mortgage process from application to closing. Mortgage brokers play a crucial role in the home buying process. Unlike loan officers who work for a specific lender, brokers work independently and have access to a wide range of lenders and loan products. This means they can shop around on your behalf to find the best loan terms and interest rates. Additionally, brokers can help you navigate the often complex mortgage application process, ensuring you meet all the necessary requirements.
Read more - Mortgage and Refinance Rates in Arizona
Criteria for Selecting the Best Mortgage Brokers
When choosing a mortgage broker, it's essential to consider several key factors:
Experience and Reputation: Look for brokers with a proven track record of success and positive reviews from past clients. Experience matters when it comes to navigating the intricacies of the mortgage market.
Range of Lenders and Loan Options: The best mortgage brokers in Arizona will have access to a diverse array of lenders and loan products, ensuring that you have options tailored to your specific needs.
Customer Service: A broker's level of customer service can make a significant difference in your mortgage experience. Seek out brokers who prioritize communication, transparency, and responsiveness.
Fees and Costs: Understand the fee structure of any broker you're considering. While some brokers charge upfront fees, others earn their commission from lenders. This refers to a company that provides mortgages or home loans to individuals looking to purchase a home in Arizona. Home Mortgage Company in Arizona offer a variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans like FHA or VA loans. Make sure you're comfortable with the costs involved before committing to a broker.
Tips for Working with a Mortgage Broker
When working with a mortgage broker, it's important to be prepared. Have all your financial documents ready, including pay stubs, tax returns, and bank statements. Additionally, be honest about your financial situation and goals. This will help your broker find the best loan options for you.This refers to a company that provides mortgages or home loans to individuals looking to purchase a home in Arizona. Home Mortgage Company in Arizona offer a variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans like FHA or VA loans.
Finally, stay in communication with your broker throughout the process. This will ensure that everything goes smoothly and that you're able to close on your loan on time.
Finding the right mortgage broker in Arizona can make all the difference when buying a home. By following the tips outlined in this article and choosing one of the top brokers in the state, you can streamline the home buying process and secure the best loan terms possible. Contact a reputable broker today to start your journey towards homeownership in Arizona.
Frequently Asked Questions
1. What is a mortgage broker, and how do they differ from lenders?
A mortgage broker is a licensed professional who acts as an intermediary between borrowers and lenders. Unlike lenders, who provide loans directly to borrowers, mortgage brokers work with multiple lenders to find the best loan options for their clients.
3. Why should I use a mortgage broker instead of going directly to a bank?
Mortgage brokers can shop around on your behalf to find the best loan terms and interest rates from multiple lenders, saving you time and potentially money.
4. What criteria should I consider when choosing a mortgage broker?
Look for a broker with experience in the Arizona real estate market, a strong network of lenders, positive client testimonials, and all necessary licensing and certification.
5. How do mortgage brokers get paid?
Mortgage brokers typically receive a commission from the lender once the loan is closed. This commission is usually a percentage of the loan amount.
6. How long does the mortgage process typically take when working with a broker?
The timeline for the mortgage process can vary depending on factors such as the complexity of your financial situation and the lender's requirements. A mortgage broker can provide a more accurate estimate based on your specific circumstances.
7. Are there any advantages to using a local mortgage broker in Arizona?
Working with a local mortgage broker can offer several benefits, including their familiarity with the local market and regulations, personalized service, and the ability to meet face-to-face if desired.
8. Can I use a mortgage broker for refinancing my existing mortgage?
Yes, mortgage brokers can assist with refinancing your existing mortgage. They can help you explore refinancing options to potentially secure a lower interest rate, reduce your monthly payments, or change the terms of your loan.
9. What should I expect during the mortgage application process with a broker?
Your broker will help you gather all necessary documents, submit your application to lenders, and communicate with you throughout the process to ensure everything goes smoothly.
10. How can I find the best mortgage broker in Arizona for my needs?
Research brokers online, ask for recommendations from friends or family, and schedule consultations with potential brokers to discuss your needs and goals.
Get in touch
Website – https://homeloansproviders.com/
Mobile – +91 9212306116
Whatsapp – https://call.whatsapp.com/voice/9rqVJyqSNMhpdFkKPZGYKj
Skype – shalabh.mishra
Telegram – shalabhmishra
Email – [email protected]
#home mortgage company in Arizona#best mortgage refi company in Arizona#online mortgage company in Arizona
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FOR IMMEDIATE RELEASE:
October 17, 2023
Media Contact:
Danny Wimmer
Michigan Joins Settlements to Resolve Data Security Errors with ACI Worldwide and Inmediata
LANSING – Michigan Attorney General Dana Nessel announced two settlements today involving financial and healthcare technology companies ACI Worldwide and Inmediata. ACI Worldwide is a large-scale payment processing company, Inmediata a healthcare clearinghouse that facilitates financial and clinical transactions between healthcare providers and insurers.
“We must rely on organizations such as these to secure our financial and personal data to a reasonable and robust standard,” said Nessel. “I am happy to join my colleagues in protecting consumers and holding corporations accountable when they violate that trust.”
ACI Worldwide Settlement
Michigan joined a coalition of 48 states, the District of Columbia, and Puerto Rico in announcing a $10 million settlement with payment processor ACI Worldwide over a 2021 testing error that led to the attempted unauthorized withdrawal of $2.3 billion from the accounts of mortgage holders. Michigan will receive $246,258.97 from the settlement. A private class action settlement is providing restitution to persons affected by the testing error. Affected Michigan residents who may wish to submit claim forms must do so by November 13th, and more information on the class action settlement is available here.
ACI Worldwide is a payment processor for Nationstar Mortgage, known publicly as Mr. Cooper. On April 23, 2021, ACI was testing its Speedpay platform. Due to significant defects in ACI’s privacy and data security procedures and its technical infrastructure related to the Speedpay platform, live Mr. Cooper consumer data was entered into the system. This resulted in ACI erroneously attempting to withdraw mortgage payments from hundreds of thousands of Mr. Cooper customers on a day that was not authorized or expected. The error impacted 477,000 customers, some of whom were forced to incur overdraft or insufficient funds fees.
State regulators, including Michigan’s Department of Insurance and Financial Services, have entered into a separate agreement with ACI for an additional $10 million. The regulators’ settlement also orders ACI to take steps to avoid any future incidents, including requiring the company to use artificially created data rather than real consumer data when testing systems or software and to segregate testing or development work from its consumer payment systems.
Along with Michigan, the settlement was joined by the attorneys general of Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, Wyoming, the District of Columbia, and Puerto Rico.
Inmediata Settlement
AG Nessel also announced that Michigan, along with 32 other state attorneys general, has reached a settlement with Inmediata, a healthcare clearinghouse that facilitates transactions between healthcare providers and insurers across the U.S. The settlement is in response to a coding issue that exposed patient information of approximately 1.5 million consumers for almost three years.
On January 15, 2019, the U.S. Department of Health & Human Services Office of Civil Rights alerted Inmediata that personal information maintained by Inmediata was available online and had been indexed by search engines, potentially allowing sensitive patient information to be viewed and downloaded by anyone with an internet connection.
Although Inmediata was alerted to the breach on January 15, 2019, the company delayed notification to impacted consumers for over three months and then sent misaddressed and unclear notices.
The settlement resolves allegations of the attorneys general that Inmediata violated state consumer protection laws, breach notification laws, and HIPAA by failing to implement reasonable data security.
Under the settlement, Inmediata has agreed to make a $1.4 million payment to the states. Michigan will receive $217,049 from the settlement. Inmediata has also agreed to overhaul its data security and breach notification practices going forward, including:
implementation of a comprehensive information security program with specific security requirements, including code review and crawling controls;
development of an incident response plan with specific policies and procedures regarding consumer notification letters; and
annual third-party security assessments for five years.
Indiana led the multistate Inmediata investigation, assisted by the Executive Committee consisting of Connecticut, Michigan, and Tennessee, and joined by Alabama, Arizona, Arkansas, Colorado, Delaware, Georgia, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Minnesota, Mississippi, Montana, Nebraska, New Hampshire, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, Utah, Washington, West Virginia, and Wisconsin.
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Setting the Stage: The Phoenix Real Estate Market
The Phoenix real estate market has long been a hotbed of activity, attracting both buyers and sellers from all corners of the country. With its vibrant economy, picturesque landscapes, and a warm climate that entices people year-round, it's no wonder that Phoenix remains a prime destination for those looking to buy or sell property.
The Need for Speed: Sell My House Fast Phoenix, Arizona
In the fast-paced world of real estate, the need to sell a house quickly can arise for various reasons. Whether it's due to a sudden job relocation, financial constraints, or the desire to move on to a new chapter of life, homeowners often find themselves asking, "How can I sell my house fast in Phoenix?" Fortunately, this article will guide you through the process.
Sell Your House Fast Phoenix
The Phoenix real estate landscape is unique, and comprehending its dynamics is crucial when you're looking to make a swift sale. The market can fluctuate, with some neighborhoods being more sought after than others. To navigate this complex terrain successfully, it's essential to have a clear understanding of the local real estate trends.
The Challenges of Traditional Real Estate Sales
Traditional real estate transactions often involve a lengthy and cumbersome process. From listing your property and hosting showings to waiting for potential buyers to secure financing, the timeline can be unpredictable. This unpredictability can be frustrating, especially when you're eager to sell your house quickly.
Cash for Houses Phoenix
One way to expedite the home-selling process in Phoenix is by considering cash offers. Cash buyers have the advantage of bypassing the traditional mortgage approval process. This means a quicker, more straightforward sale with fewer contingencies.
Cash sales can significantly reduce the time it takes to sell your house. Without the need for bank appraisals and loan approvals, you can often close the deal faster. This speed can be a game-changer for those in situations where time is of the essence.
Finding the Right Cash Home Buyer
Not all cash home buyers are created equal. It's crucial to do your due diligence when researching potential buyers. Look for reputable companies or individuals with a history of fair dealings and satisfied customers. Seek out online reviews and ask for references.
While there are many legitimate cash home buyers in Phoenix, there are also scams to be wary of. Be cautious of buyers who ask for upfront fees or pressure you into accepting an offer without proper evaluation. Trust your instincts and seek legal counsel if needed.
Preparing Your House for a Fast Sale
To fetch top dollar for your property and ensure a fast sale, it's often necessary to make some repairs and upgrades. Address any structural issues and give your home a fresh, appealing look. A well-maintained property is more likely to attract cash buyers.
Staging your home is an art that can enhance its attractiveness to potential buyers. Consider depersonalizing the space, decluttering, and arranging furniture to highlight the property's best features. A well-staged home can leave a lasting impression.
Cash Home Buyers Phoenix
Once you've found a cash buyer, the negotiation phase begins. Be prepared for some back-and-forth as you settle on a price that works for both parties. Keep in mind that cash buyers often expect a discount in exchange for the convenience of a quick sale.
Though cash sales skip the traditional financing hurdles, inspections and appraisals can still play a role in the process. These steps help ensure that both parties are getting a fair deal and that the property is in good condition.
As with any real estate transaction, there's paperwork to navigate. From purchase agreements to title transfers, having a real estate attorney or agent with experience in cash sales can streamline this aspect of the process, ensuring a smooth closing.
Sell My House Fast Phoenix, AZ
Selling your house fast for cash in Phoenix is not only possible but also advantageous in many situations. By understanding the local market, finding the right buyer, and preparing your property appropriately, you can expedite the process while ensuring a fair and profitable sale. In a city known for its rapid growth and opportunity, selling your house quickly can be a significant step toward your next adventure.
#sell my house fast Phoenix#sell my house fast Phoenix AZ#sell my house for cash Phoenix#sell my house for cash Phoenix AZ#we buy houses Phoenix AZ#we buy houses Phoenix#cash home buyers Phoenix AZ
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Mortgage Lender Company Arizona
Welcome to Sun American Mortgage Company, where we make the dream of homeownership a reality. Our website is your one-stop-shop for all your mortgage needs, whether you're a first-time homebuyer or a seasoned investor.
We understand that the mortgage process can be daunting, which is why we've created a user-friendly website that provides you with all the information you need to make informed decisions. You can learn about the various mortgage products we offer, such as conventional loans, FHA loans, VA loans, and jumbo loans, and determine which one is right for you.
Our website also allows you to apply for a mortgage online, so you can get the ball rolling from the comfort of your own home. And if you have any questions along the way, our experienced loan officers are just a phone call or email away.
At Sun American Mortgage Company, we're committed to providing our clients with exceptional customer service and competitive rates. We believe that everyone deserves the opportunity to own their own home, and we're here to help make that happen.
To know more about Mortgage Lender Company Arizona just click here.
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Arizona Credit Repair
Credit Repair Arizona
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Credit Repair Starting $99 Monthly
Where Good Credit, Means Happy Life. est. 2019
Credit Monkey is now offering services in Arizona. We have a automatic software that disputes and challenges all of your negative and inaccurate items as well as inquires on your credit report. We make sure that all corrections are made with all 3 bureaus (Experian, TransUnion and Equifax). Credit monkey has a $0 enrollment fee. Yes, $0 FREE to start, We Don’t charge anything until your first letters are mailed. Rates start from $99 monthly (monthly payments depend on the plan that fits best for you). Join our 700 Credit Club and you will receive a 3 year warranty.
Credit Repair Arizona Call 877-701-7307 – Risk Free Promise
We have a easy sign up process all done online. Credit Monkey will Increase Your Credit Score by maintaining an account within our Cloud Based Credit Repair Monitoring (CRM) Software for clients in Arizona, so that they may follow their credit repair process in real-time, by seeing their scores, graphs, information and more on any Internet enabled device, (iOS & Android ) To get started with credit monkey just click the red button.
Credit Monkey, was ranked by Inc. Magazine as one of America’s 5,000 fastest growing companies 5 years running, is a financial technology firm.
Live Score Client Portal
Credit Monkey creates and maintains an account within our Live Score Client Portal for all of our clients in Arizona. This dynamic tool allows our clients to access their scores 24/7, without putting any inquiries on the clients credit history. Plus, as we remove items, the client gets a chart of the new updated scores and may compare them to their old scores.
Credit Monkey provides clients with our Credit Repair Arizona Training Academy, so that they may educate themselves on how to earn and maintain a high credit rating.
Credit Repair Arizona Starting $99 Monthly – Increase Your Credit Score – Clean your past
Did you know that the simplest mistake on your credit report can improve your credit score? Anything in the past you may have accidentally encountered with can be taken off your report and instantly boost your credit score. Nobody is perfect, we also remove all your negative items with all 3 bureaus and creditors.
Keep track of the present
Credit Monkey has east access to your account, with that you will be able to keep track of everything that happening with your credit. You may access your account from your phone or browser, anytime and anywhere.
Look at a new direction
We will provide you with the best service and knowledge to help you improve your scores. Maximize your scores so that you’re able to achive your goals and learn how to keep it up. We maximize your score so you can achieve your goals and learn how to maintain your amazing credit, even after our work is finished.
How does credit impact you?
Credit scores can impact you in multiple ways. With only one mistake on your credit report can drop your scores a lot even up to 120 points which will affect your ability to get a car, loan a car and a mortgage and lower your interest rates on your credit cards. Increase Your Credit Score with Credit Repair in Arizona.
Do not let simple mistakes on your report to stop you from upturning your goals. A good credit score makes a big difference between getting approved or denied. We will Increase Your Credit Score with Credit Repair in Arizona.
Credit Repair Arizona Starting $99 Monthly – How does work?
Once you sign up we remove your negative inaccurate items from Experian, TransUnion and Equifax which will increase your scores once your negative inaccurate items are removed.
We set you with credit monitoring tools and service to give you access to your status anytime, just got to log in. Accessing your account 24/7.
We provide the right tools for you to maintain a great credit score. With some plans we also help you open you 5 Credit rebuild programs which we can get you approved to help you re-establish your credit.
We try the best of our knowledge to help you understand credit, and how it works. By Customizing each client with the correct understanding of their credit, we set up a plan. Rest assured we employ the fastest, most effective approach to credit repair, that is why we take the time to set up the plan.
Signup
Increase Your Credit Score –
We give you consultation and credit analysis
Relax
while we work on your credit
and negative items on your report
See Results
Easily Log in to portal
have real time status every step of the way
Typical Credit Repair Companies:
They Charge Thousands Of Dollars
They Have Startup Costs Or Set Up Fees
Takes Them Over 6 Months To Fix Credit
Takes A Lot Of Going Back And Forth “Credit Repair Specialists”
They Don’t Offer Guarantees
How we do things differently:
$0 Enrollment. Yes, $0 FREE To Start
We Don’t Charge Thousands, Plans Starting At Only $99 Monthly
No Charge Until Your Letters Are Mailed
We Include Opening 5 Active Credit Accounts
Dispute The Negative Inaccurate Items Fast Same Day
We Don’t Need To Have Any Phone Calls We Are All Automated
Notifications Of All Changes In Your Credit Report Monthly
We Offer A 90 Day Guarantee
License & Location:
Bonded And Licences
Address: 8444 N 25th Ave, Phoenix, AZ 85023
If you are interested in starting your own Credit Repair Company in Arizona or Becoming A Credit Repair Agent Click Here
YOU WILL NOT BE CHARGED UNTIL YOUR LETTERS ARE MAILED OUT – WE WILL NOT PLACE A INQUIRY ON YOUR CREDIT REPORT
Processed Over 1.2 Million disputes
Bonded & Registered With The California Department Of Justice!
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Traveling With a Cell Phone
Hey y’all, it’s me Maddie Hoiland here with yes, another travel blog. This one though is a little different; you see traveling in the 21st century, as glorious as it can be, has seriously changed. There is one thing that has changed it, whether it is good or bad, and that is your cellphone. And I know you all have one because almost everyone has them these days.
We can start on a positive note, with a cellphone we are easily able to capture any moment we want. We can take pictures, videos, selfies, panoramas, or really anything to fully capture that view or artifact. There are many blogs and sites out there with helpful information you can use to perfect your vacation selfies. But, are we too busy taking that Instagram worthy picture that will get the most amount of likes to really take in and enjoy where we are and what we are seeing? These days when you go to a beach in Mexico or the Grand Canyon in Arizona there are people enjoying themselves but there is also a great deal of them on their phones taking pictures and not really paying attention to their surroundings.
Don’t get me wrong I am totally those people who love to take pictures of every moment, but after I get a few pictures, I have to put my phone down and take it all in, experiencing a place will never be the same as seeing it through a cellphone. It is not bad we take our cell phones with us everywhere because they are helpful in emergencies and with taking pictures. Although, I think we can all do better with how much we are using them when it is not completely necessary.
Sunset in Cabo, Mexico - Taken by Author
Now I don’t know about all of you, but I am always looking for new places to eat and visit. So, what am I going to use to find these places? Of course, I am going to use my cellphone to find the top places to go to. Yelp has definitely helped me find some really good food places throughout many states and even in Mexico. Not only can you find places to eat but you can find local hidden spots. When I was in California just a couple of weeks ago, we were talking to a local and we asked what beaches she recommended on a Saturday because we didn’t want to go to one that was too crowded. So, she told us one route to get to a beach kind of hidden in a neighborhood and let me tell you, it was a secret gem that really wasn’t that secret. There were not too many people it was the perfect place to tan, swim, and eat our lunch as we had wanted. Oh, and to add to that I met this wonderful lady at one of the food places I had found on yelp, so what a coincidence.
Lazy Dog Restaurant Recommended by Yelp - Taken by Author
Yes, we can use our cell phones for good on vacation for pictures or finding the hottest spots to visit. But, cellphones can be used for “bad” in a vacation setting. With our work world being so digital one is easily able to check emails and make phone calls or even log into their online work-sites right there on vacation. I have experienced this first hand with my Dad who is a Home Mortgage Loan Representative. Whether we are laying out by the pool or just chilling in our hotel room, he may get a phone call or an email about an appraisal application. He then just logs onto his work phone or laptop and goes to work because most places we go to have decent Wi-Fi or he may have cell service. My family and I have learned to live with it because otherwise, we may not be on this vacation; even if it does bother us a little. The time one spends working and even looking at email is not only taking away from your mental state of relaxation but even from the other people, you are with.
My Dad working while visiting me here in Arizona - Taken by Author
Traveling is supposed to be relaxing, so don’t you dare let your cell phone ruin that for you. There is research out there that points to vacations not only being good for your mood and to help you relax but to increase your health. You always hear “vacations increase your mood and decrease your stress” and yes this is true, but it also in return boosts one’s productivity. So, while you’re on vacation it is important to unplug in order to successfully relax. When laying by the pool or on the beach or traveling through small towns and churches take time to take it in and really embrace what you are seeing.
While we are on our phones during vacation we tend to be surfing through social media and chatting with our friends, but this tends to take you away from the moment you are in. whether you are just looking at posts or messaging a friend you are connected back to home which can alter your mood and make you wish you were there instead of the vacation you’re on. This should never be the case so be careful to limit how much you let yourself see from back home; otherwise, you will not completely enjoy your trip and be able to relax without thinking of being home with other friends or family.
Taken of Author’s Family in Mexico
One thing I have not personally ever thought or heard about until writing this blog was a total unplug vacation. There are companies out there that will now plan and help you travel without a cellphone. We are human’s in the 21st century and are not used to living without our cell phones anymore; the minute we think we lost our cell phone or left it, someone, we freak out. Is there really a way for us to unplug or do we just need to scale back, while on vacation?
Let your technology take a break while you do. Another off the grid company will take your phone and give you another, but one of the old ones some kids will never know even existed, with no camera and no internet access. The goal of these trips is to truly experience every second and not worry about sharing it with others, just yourself. A lot of people are addicted to their phones these days, but not all would admit it. Do you think you are addicted to your phone? Do you think you would be able to go a week without your cellphone? Honestly, I don’t even know if I would be able to do that.
Sunset in Puerto Vallarta, Mexico – Taken by Author
I know I have been saying a lot of bad things about how your cellphone can ruin your vacation but I would be lying if I said I could not travel without mine. The camera on my cell phone is much more convenient than bringing another camera I own because it fits in my pocket and I can turn it on with just a tap to the screen. As I have grown up though I definitely have become very dependent on my phone especially while I am on vacation and I kind of realized I should not spend so much time on my phone. I should be spending it relaxing and enjoying my time with my family and friends. I like to take pictures, along with everybody else. But I do not go out of my way to take a million selfies or pictures. I'll take a few and if I like at least one I call it good. Of course, you need at least one Instagram worthy picture to post, but if I don’t get one does it really matter? Maybe I was out enjoying my time instead of worrying about what I was going to show the world. Many things Instagram famous or even just famous people in general post, people have urges to travel and pose like them. Instead, what if you made your own journey and went to different places?
Traveling with a cell phone is not a horrible thing, just be cautious of how much you use it so you can enjoy your vacation as much as possible. Experience the moments now so you can remember it more clearly later.
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critical care insurance compare quotes
critical care insurance compare quotes
critical care insurance compare quotes
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critical care insurance compare quotes
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critical care insurance compare quotes
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How can i get Health insurance?
How can i get Health insurance?
Hey looking for advise on how i should go about getting health insurance. I m 18 turning 19 in March my father is passed away and i live with my mother we recently moved to Arizona I m from Massachusetts i knew about mass health but never had to deal with anything due to always being insured by my mother and fathers works. Looking for what i should do Also i do not have a job as of right now I m looking for health insurance so that if i get hurt while doing things such as snowboarding an break a bone or something i don t have to pay a 12,000 bill when i have no money Thank you for any help
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Gary Golon is a business consultant based out in Gilbert, Arizona, carrying years of experience and proficiency in handling challenging cases and making change a compliant process for companies. He has been generously sharing his knowledge with business owners to help them craft effective strategies and fine-tune the company’s growth in minimum time and effort. He is a doctor and completed his Ph.D. in business, also published business-related books, and carries strong relationships with family and industry associates. He was the first to establish an online medical pharmacy, which later became a multi-million-dollar entity. Further, he is all set to specialize in the pharmacy business and mortgage industry.
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Dhar Mann: Entrepreneur and Mindset Mentor
As an entrepreneur, Dhar Mann has learned many valuable life lessons over the years. From starting a real estate mortgage brokerage at 19, and funding millions of dollars in real estate loans, to being one of the first to tap into the medical marijuana industry early on and building a cosmetics business that does 8-figures in annual revenue, Dhar Mann has a proven ability to grow start-ups into massively successful businesses. However, as with any success story, there have been failures along the way. Bad decisions and legal trouble could have ended Dhar Mann’s entrepreneurial journey. It’s his resiliency and ability to reinvent himself, learning from his own mistakes, that makes him a great entrepreneur – one willing to share the good, the bad and the ugly in order to help other entrepreneurs avoid the same missteps.
Dhar Mann: Entrepreneur at Heart
Dhar Mann has taken an unconventional path to success. The young CEO has experienced many highs and lows, from living in a Hollywood Hills mansion with 9 exotic cars, to losing everything and living on a friend’s couch, to bouncing back and owning an 8-figure business which he runs today. He’s a resilient go-getter who just refuses to stop pushing forward.
Dhar Mann’s business experience extends across many industries including real estate, transportation, medical marijuana, franchising, and cosmetics. Some of the businesses he has owned have been successes, but many of have failed. He attributes much of his success today from the learnings he’s obtained from the businesses that failed. Dhar Mann’s companies may seem like an odd mix, but for the diehard entrepreneur, it was all part of his pathway to success.
The Beginning of an Entrepreneur
LiveGlam Owner, Dhar Mann has a lot of experience with starting and running companies.
He launched his first business, a real estate mortgage brokerage, at the age of 19 while studying at University of California, Davis. Before he could legally drink he had 3 offices, 25+ employees and was funding millions of dollars in real estate loans. At 21-years old, Dhar Mann was the only student in his small college town driving a Lamborghini to and from class and making more than his college professors. As the company grew, Dhar Mann dropped out from college to focus solely on the business, but after much pressure from his family, he eventually went back and earned his degree in Economics and Political Science.
Soon after he graduated the real estate mortgage crisis hit. Dhar Mann was on the verge of losing it all – including his exotic cars. He decided to create an exotic car rental company and rent out his own vehicles; turning his depreciating gas-guzzlers into income producers. That type of fast thinking would lead him to much success, but also to many problems.
(You can learn how to make money from exotic car brands in this short video he created: How I Earned a Free Ferrari and Why I Turned it Down)
Dhar Mann Real Estate Ventures
Alongside his transportation business, the young and ambitious entrepreneur started buying and rehabbing real estate in Oakland. He built up a sizable real estate portfolio in his early 20’s. While rehabbing property he found out about a government grant program that would reimburse 50% of the money he spent on construction.
Excited, he started many construction projects at once. What he didn’t realize is that it would take nearly a year for the City’s reimbursement checks to come in – well after the project money had all been spent.
In a cash crunch, he started taking some shortcuts on his grant paperwork to speed up the reimbursement process. He thought if he could get reimbursed faster it would allow him to take on even more construction projects and expand his real estate portfolio.
That decision would soon become one of his biggest life mistakes. But he wouldn’t realize it until after he made International headlines in the medical marijuana industry.
Dhar Mann Medical Marijuana Businesses
One day in 2009 while working at his real estate office, one of Dhar Mann’s commercial tenants came in to report a break-in in the tenant’s unit. The tenant was reportedly running a catering business and had been robbed. When Dhar picked up the phone to call the police, the tenant asked him not to report it, admitting the “catering company” was just a cover-up for a medical marijuana grow operation.
That was Dhar Mann’s first introduction to California’s medical marijuana laws. After doing some research, Dhar found that not only was growing medical marijuana legal in Oakland, but it was a very lucrative business. At that time an Oakland-based medical marijuana dispensary had just reported 17 million dollars in annual sales.
Dhar’s first idea was to open his own medical marijuana dispensary. The only way to do that was to get a license issued by the City, but to become licensed, an applicant had to demonstrate extensive experience with growing or selling medical marijuana. So, he knew he had to earn that experience first.
In 2010 he opened what CNN dubbed “the Walmart of Weed”- a 15,000 square foot space that was a “one stop shop for growing pot.” At no time did Dhar Mann actually sell any medical marijuana, but Dhar sold all the supplies necessary to grow it. There was even an on-site doctor to issue medical marijuana patient cards and a classroom that offered classes on how to grow medical marijuana.
The business grand opening created a buzz around the world. Dhar Mann was featured in countless media publications including CNN, Time Magazine, Huffington Post and even landed on the front cover of Mother Jones Magazine and was the focus of a National Geographic Documentary. Dhar quickly grew the concept, becoming one of the first individuals in the world to franchise a medical marijuana business, and opened locations in Arizona, Washington D.C., New Jersey, Illinois and more.
Around this time he also found out that the City of Oakland was getting ready to issue new medical marijuana dispensary permits. Now, having the experience, street credit and team behind him, he successfully achieved his initial goal of applying for obtaining a medical marijuana dispensary permit. It was an exciting time, but what he didn’t realize is his high was about to come crashing down.
New Beginnings: LiveGlam Owner
Succeeding as an entrepreneur is difficult in any situation, but succeeding as an entrepreneur with a criminal background, no money in the bank and a tarnished reputation is much more difficult.
Knowing he would never get a job or work for anyone, Dhar Mann began exploring many different business ideas from his tiny 300-square foot studio apartment he was sharing with a friend. One fortunate day in 2015, he ended up having lunch with a popular makeup artist and learned about the incredible opportunities within the beauty industry largely driven by the rise of social media.
That lunch would soon turn into his most successful business venture to date. He partnered with the makeup artist to provide online makeup classes. With less than $1,000 starting capital he purchased a webcam, 2 softbox lights and built a scrappy website. Since all the classes were live streamed and on glamming, he decided to call the company LiveGlam.
Today LiveGlam manufacturers its own cosmetics, has partnered with some of the most influential people in makeup, has almost two million social media followers and generates 8-figures in annual revenue. In just two years, the company has grown to 50+ team members and shipped 10MM+ in beauty products. Being an innovator in the beauty industry, LiveGlam is credited as being the worlds first makeup brush subscription box, in addition to offering successful eye shadow and lipstick subscription box services.
Entrepreneur Dhar Mann as a Motivational Speaker
What’s most inspiring is how Dhar Mann learned important lessons from his prior mistakes and transformed failure into fortune. Knowing what it feels like to experience the many highs and lows of business and in life, Dhar now uses his learnings to create short motivational videos that have received tens of millions of views and inspired people all around the world.
As the CEO of LiveGlam, he continues to oversee daily operations, however now he is also focused on sharing with others what he’s learned about failure and success. He believes cultivating a mindset of perseverance is important – because every successful entrepreneur has failed many times, if not at least once.
As a Mindset Mentor, he shares his experiences and tips for turning roadblocks into building blocks.
Dhar Mann’s messages have inspired others to face challenges head-on and embrace the growth that comes with overcoming hard times. He sees that growth as a way for us to improve our lives our and the lives of those we love.
His life and relationship tips have been shared millions of times on social media.
Dhar tackles issues that many of us can relate to, like feeling taken for granted in a relationship, or always comparing ourselves to others or feeling insecure.
How Dhar Mann Balances Work/Life as an Entrepreneur
As an entrepreneur, Dhar Mann is a self-starter who maintains a regular schedule. His daily routine includes exercise and healthy food to keep both his body and his mind in shape.
He makes sure to schedule plenty of time off to travel with his girlfriend Laura because building and maintaining a strong and happy personal life outside of work is one of his top priorities.
While the demands of operating a successful business can be taxing, Dhar Mann intentionally directs his attention to the most meaningful areas of his life where he feels the greatest good can be achieved.
As an entrepreneur, Dhar Mann’s unconventional path to success has been bumpy at times but through consistent effort, and a drive to never give up, he has already achieved many of his goals.
He encourages people to free themselves from limiting beliefs and build the life that truly inspires them. You can keep up with his story at dharmann.com or join his active group of fans on Facebook. You can also follow Dhar Mann on YouTube where he publishes new content regularly.
This article originally appeared here: https://www.dharmann.com/dhar-mann-entrepreneur-and-mindset-mentor/
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Beginners Guide To Finding Wholesale Real Estate
Many new investors in real estate make the error of starting with foreclosures. Nearly every bird dog I've trained has asked me questions about foreclosures.com and other foreclosure services.
These services typically cost a monthly fee and you then get a list with foreclosures Realtors In Sedona Arizona in your local area. You will likely find a "foreclosure bargain" and make some money.
This is how I, and many others, got started in this business. When I started my business, I subscribed to "Real quest", which was over $300 per month for Palm Beach County, Florida. I would visit homeowners' houses to talk with them about foreclosure and offer my assistance. Most homeowners wanted to avoid foreclosure, and were willing to "walk away."
This approach is flawed.
Too much competition. I wasn't the only one knocking at their doors.
Too slow - Someone got there before I did
You are a hostile and uncooperative homeowner. Would you not be annoyed if everyone was knocking on your door?
Approaching homeowners in foreclosure is an aggressive tactic.
Many home owners work from home and are not available to live with their families.
A great way to start is to use classified ads online and offline.
You can search for terms like "owner financing", owner will carry", make offer, "make an offer", any offer considered", "handyman" special, "needs to work", and "investor special". Look for distressed sellers. It took me less than a month to find a wholesale deal when I first began looking through the classifieds. It wasn't one house, but three houses that were located in Port St Lucie. A wholesaler had purchased all three of the houses and wanted to "flip” the contract.
Although the houses were valued at around $140,000, they had suffered roof damage from one hurricane. After paying for the roof repairs and basic cleanup, I estimated that there would be approximately $90,000. I bought the houses at $95,000 each. They are still ours and we have enjoyed renting them out.
Place a classified ad on the newspaper to advertise your services to potential buyers. Place an ad saying "I BUY HOUSES FOR CASH" and include your number. You might receive up to 3-5 calls per day and the phone will immediately start to ring.
This soft selling approach might work for you. You will be called by the home owners so you feel like you are in control. They want your assistance. They want you to purchase their house. You have the right to decide whether or not you wish to buy their house. You can take down the address and then pull up the "comps", which are comparable sales. You can then give the homeowner a rough idea of what you might offer (usually around 65% after repairs value). The homeowner will usually tell you they are not interested in the house (no deal), or ask you to visit their home (deal).
Once you have signed the contract, you can choose to either keep the house or to assign it to someone else for a fee.
Apart from classified ads, I found the following useful:
Car magnets - We buy houses for cash and your number
Yard signs - We buy houses for cash and your number
Postcards - sent to your targeted area or zip code
Mailing letters to your zip code or target area
Lawyers - Contact your local probate, foreclosure and bankruptcy attorneys
Network - Title companies and mortgage brokers, wholesalers, and anyone else involved in real estate
REIA – Attend meetings hosted by your local Real Estate Investment Club to network with wholesalers and buyers
Bird dogs can be hired out to help you and are paid a percentage or per hour.
You have complete control over the sellers who come to you. You can decide which deals you want to pursue and which ones not. Instead of dealing with hostile homeowners you will be working with people who are looking for your assistance. You should be honest with them and show compassion. Let them know if you are unable to help. Do not let them believe that you will purchase their home.
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Best Arizona Mortgage Lender Home buyers
This article genuinely published here and copied here with permission.
If you are in view of buying a home in California then you are not far away. Arizona has 3 million housing units and the home ownership rate at 64.9%, according to the U.S. census bureau. The most expensive countries do not exceed the figure by much and a few countries are much cheaper. The consumer financial protection bureau reports that Arizona Mortgage Bank has seen a staggering 48% every year and an increase in new Mortgage Loans.
Online Arizona Mortgage Bank represents the best combination of quality and value for first time home buyers in Arizona. Mortgage Bank is the countrywide platform for getting a mortgage online. The versatility of Mortgage Bank provides first-time buyers with a better understanding of mortgage details.
The Best Mortgage Bank Rates in Arizona
Arizona’s top lenders can be evaluated based on the interest rates they offer on their mortgages. Looking for the lowest mortgage rates in Arizona, we compared thousands of local and national level lending options and sorted them out through them on their online estimation. To select several Arizona-based mortgage providers that makes sense for different types of borrowers.
How Can You Choose the Best Mortgage Bankers in California?
There is no shortage of Mortgage Bankers for California home buyers. It is hard to make a decision when it comes to applying for a loan. Despite everything, you struggle to borrow a large amount of money in your lifetime. But Mortgage payments will tie you up for the next 10, 15, and 10 years; so of course, you want to make the right choice. Our Blue raven group helps you to make your fine decision. We evaluated Mortgage Bankers on a variety of factors and offer you to find you the best California Mortgage Bankers. It is very important
To find a lender who is capable of managing your loan fairly at every stage. To make sure for choosing the right Mortgage Bank for each, we evaluated every lender in three steps:
• Servicing: There are transparency in given services and customer ratings. Even also focus on complaint data.
• Cost: need to inform clients about interest rates and closing costs.
• Selection: Options for loan types, features, and lender flexibly.
Conclusion
Our Blue raven group’s team of professional financial experts explores several national and regional mortgage lenders including Mortgage Bank and retail banks. We are an overall top pick for the best California Mortgage Bankers in U.S. Bank for some features. As independent Mortgage Bankers in Arizona are not influenced by one lender. We accumulate with several mortgage partners which means we work for the client, not for the bank.
We are one of the leading U.S. producers of residential mortgage loans. Our team is Arizona’s well-skilled and experienced team located in San Diego, California. We pride ourselves to offer the best services to our clients and make the loan process simple, fast, and straightforward for borrowers seeking a Mortgage Net Branch Companies in the Arizona area.
Contact Details :
Blue Raven Group
1281 9th Avenue #3109, San Diego, California, 92101 USA
Phone: 949-264-8035
E-mail: [email protected]
https://blueravengroup.com
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Important Economic Trends During Anarchy
2021 – Let the Games Begin
15. A Christian Secession – Distortions are Bubbling
Did you enjoy “Happy Birthing Person Day”? I gave the Love of My Life a bouquet of her favorite flowers. It would have been interesting to visit a card shop and see how many Birthing Person Day versus Mother’s Day cards were on the racks. “Birthing Person” is probably only useful as a tool to identify idiots like the Demented Marxists (DMs) in control of our Congress.
Perhaps Melinda Gates should be the U. S. Attorney General. She is the only person that has displayed any moral backbone of those connected with Jeffrey Epstein and his pedophilia gang. Epstein constantly bubbles to the surface like methane gas from a land fill and yet no one has been prosecuted for the crimes committed. At least Melinda is publicly cleaning Billy’s plow. I wonder what she would do with Hunter’s laptop?
Meanwhile the Keystone Kops (aka FBI and Department of Justice) are fully committed to prosecuting Americans that were upset about election fraud in DC on January 6 while giving free rides to Antifa that destroyed Billions of Dollars of property in numerous USA cities. They have Hunter Biden’s laptop and all of Epstein’s video/data along with his female accomplice but are unable identify any laws broken? Do the DOJ/FBI/DM’s get together for MOVIE NIGHT with Biden’s and Epstein’s libraries? Who do you think is now collecting the blackmail payments?
Gas lines, a middle east war (did you see the videos of Israel’s Iron Dome defending against 130 rockets form Hama?), rising inflation– this does feel familiar. The price of corn is up 120%, soybeans are up 60% and wheat is up 40% over last year so food prices are going to soar. The “D Team” is in charge (Democrats, aka Demented Marxists). I have yet to identify a D Team member that has accomplished anything in real life. Build Back Better must mean Trash First.
In a bright spot, Martha’s Vineyard has voted in favor of a huge windmill farm thus marking the first time The Elites have abused themselves. Those Chinese made windmills are 900 feet tall (the equivalent of a 90-story building), noisy, plus there are reports of serious vibrations. Not to mention ugly like a solar farm. This should be fun to watch. If you own property there, sell.
Pre-Wuhan Virus, the American economy was humming. Economic growth was the strongest in decades, unemployment was the lowest in decades, and businesses were growing but running with lean inventories practicing “Just in Time” supply pipeline management. With the abrupt shutdown, toilet paper became scarce because folks overreacted buying multiple years’ worth of toilet paper. The toilet paper manufacturers went into overtime producing the maximum supply trying to catch up with demand. Today, toilet paper is in such surplus that “Free Toilet Paper” is a giveaway inducement for other goods. That was an artificial distortion of the market where the short-term demand for toilet paper exceeded supply.
The same dynamic is in play in steel, OSB board, drywall, computer chips, even labor, in fact almost everywhere. Our economy is experiencing distortions so prices are rising to balance supply with demand. Many of the shortages are artificially created by our DM government paying folks NOT to work thus depriving business of the labor they need to expand their production. The DMs in control of Congress, the White House, and the various government agencies seem amazed that if you pay people not to work, they do not work. Incompetence.
Signs advertising for workers are everywhere yet unemployment is increasing. Actually, the number of folks on the government dole is increasing. Government is not the answer to the problem, IT IS THE PROBLEM. The only solution is less government.
Meanwhile, everything costs significantly more than one year ago. The Fed says it is temporary because as workers return to their jobs, more productivity will come online and prices will decline. Theoretically, that is correct but prices tend to be “Sticky” going down. Furthermore, that analysis does not take into account the increased cost of energy, materials, etc.
The fact … this is the front edge of serious inflation. We have discussed for some time that the alternatives were rapid economic growth (Trump’s agenda) or devaluation/inflation (Biden and his fellow DM’s agenda). Trump’s agenda would have created wealth, the DM’s agenda brings only pain. Those of us that lived through the Stagflation of the late 1970’s have seen this nasty combination before when Jimmy Carter was President. Cinch up your saddle, this will be ugly.
Here are some critical economic events.
1. U. S. Steel canceled their planned $1.5 Billion investment in a new manufacturing facility in Pennsylvania. They join Ford in canceling Billion Dollar investments in manufacturing here in the US. Biden’s investment partner, China, wins again. Are you tired of losing yet?
2. Ransomware attacks are up because the wealth of the USA makes us particularly great target. But Biden and his fellow DMs have the answer just like about the crisis at our southern border? “Crisis? I do not see a crisis.” Dementia has a benefit.
3. Green energy is not economically viable without enormous government (taxpayer) support which is a red flag to any thinking person. The current gas shortages are caused by ransomware but is a foretaste of government by Green Energy illusionists/ DMs.
Keep watching the activity about the fraudulent election last November.
1. Michigan – The Antrim County investigation results are in and they prove massive fraud. The bulldog attorney that is pursuing that investigation despite DM threats has filed with a court seeing to EXPAND the audit. Previously the Michigan Supreme Court previously ruled that the Michigan Secretary of State exceeded her authority when she approved a variety of changes to the state’s election laws. Was the “certified” election in Michigan a fraud? YES.
2. The Arizona legislature authorized recount of 2.1 Million votes in Maricopa County, Arizona is rolling despite the DMs attempt to prevent it. I have read that the Department of Justice has 100 attorneys assigned to shut down the audit. Do you find it interesting that the DM’s do not want the election audited?
3. Apparently, Mark Zuckerberg gave $400 Million to localities for the election so long as his group could run those elections. Facebook needs regulation.
4. Lawsuits have been filed and counter filed by Mike Lindell, Sidney Powell, and Dominion (the voting machine company). Stay tuned, much more to come.
121 days into the DMs’ coup (the longest four months EVER), I am already tired of losing and exhausted with self-important politicians and bureaucrats who in the real world would be recognized as idiots. Here are some recent events that will impact our economic future:
1. The Fed says they are going to continue their Quantitative Easing (QE) or another 2+ years. The stock market has realized that inflation is here. The Fed knows any reduction in QE will mean higher interest rates. Higher interest rates mean a slower real estate market and ultimately lower prices for real estate and financial assets.
2. It was reported on Wednesday that the annual inflation rate for April was 4.2%. As the rate of inflation continues to increase, the financial markets will raise interest rates faster than The Fed anticipates or force The Fed to greatly expand their QE. Watch the 10-year Treasury. Without QE, interest rates would be higher today. Various sources estimate that by the end of 2021 the 10-year Treasury will be 2.5% to 3.0% and mortgage rates will increase to 4.0% to 4.5%. Those may be low.
3. When Bubbles burst, shortage becomes surplus overnight. Unsustainable things continue until that unpredictable moment when they stop. In a financial crisis “Cash is King”. Get prepared.
A great piece of land remains The Best investment long term unless the DMs get us to full-fledged Marxism. Capitalism builds wealth, Marxism/Socialism consumes it in self destruction. Pray for a return to honest elections in the USA. God is in control. Men make plans, but God ALWAYS wins.
“Conduct yourselves honorably among the Gentiles, so that, though they malign you as evildoers, they may see your honorable deeds and glorify God when he comes to judge.”
(1 Peter 2:12) New Revised Standard Version, Oxford University Press)
Stay healthy,
Ned
May 12, 2021
Copyright Massie Land Network. All rights Reserved.
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