Fossil Fuels – Why Switch Now?

Biofuel has been around since 1880. Elderly person Diesel ran his first diesel engines on nut oil. Maybe you can comprehend why somebody who runs a Think Tank may become weary of the unmindful tirades online on different web journals about elective vitality. None of this is new, it’s a similar play running again and again. What requirements to happen is the individuals who work in the elective fuel, or elective engine division for cars need to deliver something which can contend with petroleum product dollar for dollar including the arrival on speculation. At that point we can talk.

My associate poses a generally excellent expository inquiry, to be specific; “Should we not have played out a superior advancement in that field during every one of these years. In the event that we didn’t have non-renewable energy source we would unquestionably gone in that electric bearing and at this point made outrageous advances in that field?”

Without a doubt they should, and luckily, they are working with new materials now, at that point they will come to advertise, at that point in the end mass produce, bringing down the cost and after that appropriation is achievable. It will be some time. In the US Chevrolet sold 1,000 Volt Cars ($60,000) up until this point, Nissan sold 175 Leaf autos. We are messing with ourselves, we will sell more than 12 million autos in the US in the main quarter of 2011. So fundamentally in 3-months they sold 1200 units of these new models, and sticker prices are incredible.

It is smarter to purchase a 4-chamber vehicle and you could purchase gas for a long time at the distinction in cost and travel 25,000 miles every year. What’s more, these electric autos will require new batteries in 7-years which will cost another $10,000 about the cost Fossil Fuels for another Chinese electric vehicle in the year 2015 in the US, and acknowledge Tata Motors is selling their little Nano Car for $2500 – $4,000.

For sure, there was an intriguing article with regards to Fortune Magazine in the January 27, 2011 issue titled “Journal of an Electric Commuter Living with Nissan’s Charming Leaf is a Journey from Range Anxiety to Energy Smugness to Charging Perplexity,” by Sue Calloway. Obviously in the article, the audit was not exactly complimenting particularly considering the new Nissan Leaf’s expense of $33,780 (base cost) in addition to the “charger establishment” of $2200 and there is an expense for each mile for power which turns out to a normal of $.11 per mile.

Keep in mind a comparable vehicle costs $22,405 over $12,000 less, and you will spend about $2500.00 in fuel for 20,000 miles, rather than the $500 for the power utilized. In any case, I can disclose to you that power is going to significantly increase under Cap and Trade and will all these new guidelines on coal-terminated plants, which means you’d pay $1500 in power. What’s more, to spare your $12,000 cost back in addition to the intriguing you pay on the advance would take you around 80,000 miles.

What the article turned out poorly was the difficulties with those batteries, they just are going to last you 5-7 years max, and to supplant them $8,000. At the end of the day, you can’t win with an electric vehicle except if the expense for fuel is at $7.50 per gallon, and still, at the end of the day you need to drive more than 15,000 miles per year to make it pay off. The leaf framework utilizes a 240-volt charging framework, or on the off chance that you simply plug it in to an ordinary outlet at home, well, that is fine as well however it will take you 20-hours to charge the darn thing, yuk!

OK along these lines, maybe it is too soon to guarantee triumph on development or WTF – Winning the Future as the Obama Administration calls it. Since the present moment, the half breeds, every single electric vehicle, and even those which keep running on flex powers, well, for the expense and ROI, they are not contending even with the ongoing higher fuel costs for gas and diesel. Surely, I trust you will please think about this.

Spear Winslow is the Founder of the Online Think Tank, an assorted gathering of achievers, specialists, pioneers, business visionaries, scholars, futurists, scholastics, visionaries, pioneers, and general all around splendid personalities. Spear Winslow expectations you’ve made the most of the present dialog and subject. – Have a significant subject to examine, contact Lance Winslow.

How to use your Every Day Oils

The Young Living Everyday Oils Kit contains everything you need to start using essential oils every day for everything from first aid, to boosting your immunity and even cleaning your house.

The kit contains:

  • Frankincense
  • Lavender
  • Lemon
  • Peppermint
  • PanAway
  • Peace and Calming
  • Purification
  • Thieves
  • Valor

Each time you reach for your customary solution to fight germs, ease congestion, pain or stress, ask yourself…can I do this naturally? Step away from the chemicals and reach for your oils.

The following guide will help familiarize you with the properties of each of these oils.

Currently being studied as a possible treatment for cancer, Frankincense has been used for thousands of years to treat every conceivable ailment that mankind has suffered. During ancient times, frankincense was valued more than gold. It stimulates your immune system, is antidepressant and muscle relaxing. It also contains sesquiterpenes which stimulate the limbic system of the brain and cbd vape pen improves focus and memory. Frankincense has cicatrisant properties, which means it helps wounds heal and has the ability to fade existing scar tissue.

  • At the first sign of a cold, rub a few drops on the soles of your feet. Or better yet, put a few drops on a spoon and swallow it down with some water, much like a pill.
  • For young, glowing skin, put a few drops on your palm, rub hands together and apply to your face.
  • If you’re feeling fuzzy and having a difficult time focusing, rub one or two drops of Frankincense oil behind your ears.
  • 1-2 drops directly on a bug bite will immediately ease itching and swelling
  • Inhale or diffuse to deepen breathing and induce calmness.
  • Dilute a few drops in organic olive oil and apply to stretch marks, acne scars or any other scars to fade their appearance. Do this daily until you see improvement.
  • Rub on the feet or the back of the neck to soothe overactive children.


Lavender essential oil has been treasured for thousands of years as one of nature’s greatest gifts for healing and it might be the most versatile of all essential oils. It is effective in treating anything that ails the skin and may be used to clean cuts and treat bruises, rashes and skin irritations.

Lavender is well known for it’s soothing properties and as an aid in relaxation. Researchers have documented Lavender’s ability to improve concentration and mental acuity. Lavender is a powerful antihistamine and effective in treating bug bites and seasonal allergies.

  • Massage into the back of the neck or the bottom of the feet for a calming effect.
  • Rub a drop on your palm and smooth over pillow to aid with sleep.
  • Soothe a minor burn by applying 2-3 drops to the affected area.
  • Place a drop on the tip of the tongue, around the navel, or behind the ears to allay the symptoms of motion sickness.
  • Add a few drops to a cotton ball and place in closets and drawers to scent linens and repel moths and insects.
  • Reduce or minimize scar tissue by massaging on affected areas.
  • Place a few drops on a wet cloth and place in your dryer to freshen your laundry.
  • Diffuse to minimize seasonal reactions to pollen and dust mites.
  • Put a drop of Lavender oil on a bee sting or insect bite to stop itching and reduce swelling.
  • Replace your underarm deodorant with 2 – 4 drops of Lavender oil.
  • Rub a drop of Lavender oil between your palms and inhale deeply to help alleviate the symptoms of hay fever. You may even take 3-4 drops on a spoon to help with seasonal allergies.
  • Diffuse Lavender oil to relieve stress, lift your spirits, or relieve feelings of sadness.
  • Mix a few drops of Lavender oil with a few drops of massage oil and rub onto sore muscles for relief.
  • Use Lavender to relieve dry, chapped lips.
  • Spritz several drops of Lavender oil mixed with distilled water on a sunburn to decrease pain.

Lemon oil has antiseptic-like properties, contains compounds that have been studied for their ability to boost white blood cell count, and is rich in d-limonene, which is now being studied as a significant chemopreventive agent in cancer.

When inhaled or diffused, it promotes clarity of thought and purpose. Studies have shown that diffusing Lemon oil in the workplace resulted in 54% fewer errors. Additionally, it is astoundingly effective at cutting through grease, gum and adhesives.

Is Mobile App Development Still Profitable? Yes and Here’s Why!

There are around 2 million mobile apps in the App Store and 2.2 million apps on Play Store and some alarming statistics show that only 25% of the downloaded apps are used once in six months.

Too many, too right, too lost

To highlight the irony of the numerous applications available in the various app stores, an advertising campaign created a slogan – “there’s an app for that”. There was a phase until quite recently where the productivity and popularity of any platform was defined by the number of mobile applications available in its market place. This had led Microsoft’s marketing strategy to attract more number of mobile app developers for its Windows Phone platform so that it could quickly hit the 1 million mark! BlackBerry lost out on the race due to its hesitation to blend in with the crowd and though it made a valiant attempt to salvage the situation by making its immensely popular BlackBerry Messenger available on the Android and iOS platforms, the application lost its charm in the face of the humungous crowd following of WhatsApp.

The App Fatigue Factor

The problem with any new phenomenon is that people go overboard, so for every 50 new applications that are launched on the app store, may be one will be successful. By May 2015, over 54,000 applications were submitted for release on iOS App Store. However, austin mobile app development company not all applications have features or functionalities that entice the user’s interest. Smart devices are also becoming sophisticated with integrated technologies such as NFC, high resolution front and back cameras, smart device integration among other things. So, consumer expectation is also undergoing a great deal of sophistication and it is imperative for mobile applications to adapt to these rising expectations.

For instance, iOS 10 will come with HomeKit, which opens a wide avenue for home-based iBeacon applications for manoeuvring the various household electronics appliances. As in case all products, only an application that adds value to the user’s life survives the brutal competition. A good quality app, with a fresh perspective and new features will do well and gain traction. Value may be entertainment, novelty, creates a need where there wasn’t one, gives logical use of new technologies among other things. Industry experts, mobile app developers and app development companies reiterate that app quality and value remains the primary factor for success. Any new app that does not surpass the threshold is bound to fail.

Adequate and Appropriate Features

Irrespective of how many features an application may have, only a handful are used regularly, while some are not used at all. A lot of features simply cause information-overload, or what may be better termed as ‘white noise’. Just the way people treat commercials on television as break to complete some chore; the unused feature has the same status where it is viewed as an aspect of the application that can be ignored. A smart way to treat features and attract user interest through them would be to release it as part of an upgrade.

Especially in the case of social media apps, industry experts believe that app developers must analyse what is critical and re-examine effective usage of mobile device before integrating new features. One start-up, HI-FI, has launched an application that is studying app fatigue and analysing social media let-down trend. The app will help identify unnecessary features and aggregate information to help users set up their own custom menus based on their interests. This will help users save time with easy-to-use interface. The app will play the role of a universal remote control, as per the makers’ claims and has already attracted many takers in the market.

The Benefits That Make the Reverse Funnel System Irresistible

There are network marketing systems and there are affiliate marketing systems galore on the net but the most amazing system that you will ever come across is the Reverse Funnel System that ensures that you make a killing because your automated network marketing system or the Reverse Funnel System has been greased with the best lubricant that you will ever find.

Founded by three gentlemen from the most diverse backgrounds imaginable the Reverse Funnel System has become the most sought after system on the internet in recent times and is based on the core values of integrity, honesty and good faith that most systems are not.

The three gentlemen in question are Ty Coughlin, review of clickfunnels Doug Wellens and the erstwhile don Glanville. These three gentlemen have teamed up with some of the best brains in the country to bring you the Reverse Funnel System that works like a charm and does not need surveillance.

Every system has some pros and cons but this system does not have any cons. Some of the pros are highlighted below for your benefit. These benefits have been highlighted by the big man himself Ty Coughlin and having made use of the system ourselves we can guarantee that they are indeed benefits:-

It is easy to adapt to the system. Because the system is purely automated and the applications are in simple terms and the whole outlay is in an easy to understand format it is easy to adapt to the system very quickly.

The ergonomically designed system ensures that you get the best of both worlds without having to lift a finger yourself. It is completely automated.

The system also offers unparalleled support and thrive son the constant communication that takes place between the network marketers and the back office supporters. Any bugs that crop are quickly sorted out and the situation is quickly taken care of by the state of the art facilities that are available for the very purpose.
As a part of the Reverse Funnel System you’ll have extensive leadership and support at your fingertips. You will not find this feature in such an effective format anywhere else.

It is next to impossible to find people who will genuinely share their techniques of making money with a third party simply because no one wants to see someone else growing rich through their effort. Here you will find that the developers of the Reverse Funnel System are actually sharing their techniques with you and are also available for online support.

The bets part is that because the three guys are actually sharing their techniques with you will be bale to duplicate the results that they have achieved quickly and comfortably without any hassles and as fast as possible.

The kind of compensation on offer in unmatched and is the best in the industry and promises to get even better with time. The Reverse Funnel System will definitely add to the list of millionaires on the planet by the time it peters out to its logical end because nothing lasts forever but the Reverse Funnel System has a lot of steam left so go ahead and take the plunge.

Where to Play Online Poker Games

On the off chance that you are attempting to make sense of where to play online poker games, do an Internet scan for online poker rooms and investigate a portion of the online poker-related locales that have point by point poker webpage surveys and appraisals on their pages.

These days there are more than 250 poker rooms on the web, and the biggest online poker room has in excess of 40,000 individuals playing simultaneously during pinnacle playing hours. You can play poker for genuine cash against poker players from everywhere throughout the world.

Stage 1: Check out online poker rooms audits.

There are various trustworthy online poker locales that are presently obliging a great many players consistently. Quest for the well-rumored poker rooms which keep running on solid programming and deal with their installments well. Among the huge number of accessible poker rooms, the decision for the most part boils down to various commonsense subtleties, for example, the game assortment, the sign-up reward offered, and what number of players are there.

On the off chance that you need to play Texas Holdem situs idn poker terbaik poker, you’re cool, as this the one game that all poker rooms online offer. In case you’re searching for different games, things may get somewhat more entangled. Omaha is likewise normal, just as seven card stud, however for different games you may need to pick a specific poker space to get your ideal game.

Stage 2: Look for Sign-Up Bonus Offers.

Discovered a space to play online poker games? Look at what sort of rewards the room offers when you sign up.

Each site offers a sign-up reward on a player’s first store running from 20 percent up to 100 percent. These poker store rewards are typically attached to a necessity to play a foreordained measure of raked hands. You can move from site to site gathering these poker join rewards, which can be a decent method to expand your benefit every hour of a poker play.

Ensure you have perused the terms and states of each poker room so you know precisely what you should do to get the reward. Every single new player are encouraged to get some training before placing their cash in danger in a live game.

Stage 3: Download the Software.

Download and introduce the product or utilize the Flash programming, and start playing poker for genuine cash at the best online poker locales. On the off chance that you are perched on a modem and would prefer not to download any product, some online poker rooms offer a no-download form. As a result of the product utilized on the web, it’s not possible for anyone to carry on of turn. A few destinations have catches or boxes you can check so you can overlay, call or raise when you see your cards, however the move won’t make place until the ball is in your court to act.

Best Appliances For The Kitchen

Best apparatuses for the kitchen are difficult to choose among the wide accumulation of kitchen machines accessible around. When scanning for your ideal apparatuses for the kitchen, you will be overpowered with a large number of choices from which you ought to think about the 5 after variables before settling on the buy choice.

Match The Price Tag With Your Budget: The sum you are eager to spend for the piece would assume a significant job when picking a thing. Since you are certainly searching for the best arrangement, you ought to decide a value extend before getting into the market, else, you may wind up spending much more than you are really willing to. Quest for stores that are offering best apparatuses for kitchen at a bargain. In the event that you can’t discover one, you are recommended to hang tight for the proper time except if your need is very earnest.

Characteristics You Are Looking For: If spending plan isn’t an issue for you, at that point quality ought to be your first need. Doesn’t make a difference in the event that you are going to purchase significant apparatuses like coolers or little ones, for example, coffee creators, you should go for the surely understand brands to get best an incentive at your cost. Regarded producers unquestionably have a few factors that will give you some affirmation and will kitchen appliances be trustworthy for the buy. Legitimate brands constantly offer guarantees that will be additionally an additional favorable position. In any case, despite everything you can have quality kitchen apparatuses by trading off with size, perhaps picking littler forms of a machine. For instance, purchasing a reduced ledge coffee machine rather than a bigger one will decidedly have the option to set aside a ton of cash.

Capacities You Should Check: Best apparatuses for kitchen must have capacities that are broadly requested by the buyers and those too that are not been asked yet will give some additional favorable position for the item. Nonetheless, considering a machine with a huge number of highlights may be achievable when the issues talked about above will be satisfied. There might be a wide assortment of kitchen machine prerequisites, for example, nourishment processors, juicers, toaster, espresso producer, blender, weight cooker, indoor flame broil, and some more. Yet, on the off chance that you can be somewhat precarious, you can have two or various highlights in a single machine which will be financially savvy, simultaneously will spare a ton of your kitchen spaces.

Offset Your Kitchen Space With The Appliance Size: Space effectiveness is another imperative factor to be viewed as when purchasing best apparatuses for kitchen. Your purchasing desire may push you to purchase a mammoth 30 CFT icebox when you are living in a two bed 600 sqft level, coming about tearing your hair in the wake of having it conveyed. Well it’s pretty alright to purchase huge apparatuses in the event that they can fit in your home. Be that as it may, smaller apparatuses are constantly refreshing because of their versatility, accommodation of utilization and capacity productivity.

Structure And Décor: If your whole family is ball players, you unquestionably might not want to purchase an apparatus that will expect you to twist. Also, the feel of the kitchen machines must be coordinated with the inside for making them noticeable, however not eminent it might be said that is very unequaled with other kitchen contraptions and devices of the kitchen. Simple ease of use ought to be checked before settling on the buy choice which will be superior to looking through net or calling the merchant over and over for learning the capacities.

ocean of games

As we plan for the coming rush of cutting edge frameworks, we ought to envision enhancements for all the beneficial things we partner with the present harvest of frameworks. Pushing ahead we anticipate: better illustrations, quicker processors, all the more captivating games, you get the thought. Be that as it may, not everything that we’re envisioning will be a dynamic development for gaming. At any rate, similarly as Sony and Microsoft are concerned, you can wave farewell to playing utilized games on their frameworks. Despite the fact that these are simply bits of gossip now, it wouldn’t astound on the off chance that they worked out as intended. It’s truly conceivable, particularly when thinking about that few game distributers have discharged shots at the utilized game market.

Most prominent is Electronic Arts(EA), who turned into the primary distributer to found the act of charging gamers, who purchased utilized games, an expense to access codes that accompany the game. To detailed, Downloadable Content(DLC) codes are incorporated with new duplicates of a specific game and just with those codes, would that be able to substance be gotten to. EA extended its task to oceanofgames incorporate playing utilized games on the web. Gamers would now need to pay $10, notwithstanding the expense of the utilized game that they acquired, so as to approach the online parts of their game. Ubisoft has since stuck to this same pattern, requiring an online go for its games too. You can distinguish the games which require an online go as they exposed the,”Uplay Passport”, logo on the case.

Ubisoft chose they’d make things a stride further and execute Digital Rights Management, a training all the more frequently connected with DVD or CD against theft endeavors. Professional killers Creed 2 was the principal game to be affected by this training. So as to play the PC rendition of Assassins Creed 2, gamers are required to make a record with Ubisoft and remain signed into that record so as to play the game. This implies in the event that you lose your web association, the game will naturally interruption and attempt to restore the association. Be that as it may, in case you’re shocking enough to be not able reconnect to the web you’ll need to proceed from your last spared game; losing any advancement you may have made from that point forward. This will be the situation for the majority of Ubisoft’s PC titles, paying little heed to one playing single-player or multi-player. While Digital Rights Management has been utilized to battle DVD and CD theft for a long while now, this will check the first run through it’s been utilized for a computer game. In light of Ubisoft’s usage of DRM, Matthew Humphries of, alerts that it’s possible that in the long run even support games will require online enrollment so as to play them.

So what’s the purpose behind the majority of this? As indicated by According to Denis Dyack, the head of Silicon Knights, the clearance of utilized games is tearing apart the benefit of the essential game market. He likewise asserts that the utilized game market is by one way or another making the cost of new games rise. His proposed arrangement is to move away from physical circles and grasp advanced dispersion. Basically he’d like to see administrations like Steam or EA’s Origin supplant customary printed versions. There are even gossipy tidbits that the X-Box 720 will grasp the restrictive utilization of computerized downloads and not utilize circles by any stretch of the imagination. Regardless of whether Microsoft will really finish that arrangement is not yet clear.

Old Parliament House for team buildings

The island state of Singapore has a legacy dating back to the 11th century. The settlement gained importance in the period of the 14th century during the rule of Parameswara, a Srivijayan prince at which time it functioned as a port of significance. Singapore’s transition to modernity began with the establishment of a British port under Sir Stamford Raffles.

The imposing Old Parliament House in Singapore lays claim to a rich and varied history. This building was used as the location for the sittings of the Parliament of Singapore from 1965 up to 1999, at which time it was relocated to a new venue. Today the building is known as the Arts House at the Old Parliament and functions as a centre for the arts, hosting concerts and art exhibitions.

Construction of the Old Parliament House was finished in 1827 and it was team building singapore considered to be an example of the Neo-Palladian style of architecture. It was initially built as the residence of John Argyle Maxwell, a Scottish merchant. Initially the British government leased the building from Maxwell for official use; when the property was auctioned in 1841 it was purchased by the government.

Over the years several modifications and renovations were implemented on the building. In this endeavour the original Neo-Palladian architectural style of the edifice was gradually changed into a Victorian style appearance.

At the front of the magnificent building a striking bronze statue of an elephant may be seen. This impressive statue was gifted by King Chulalongkorn of Siam (today’s Thailand) as an expression of his appreciation following his visit in 1871.

The Arts House which now occupies the building was launched in 2004. One of Singapore’s most significant arts and heritage institutions, the Arts House aims to inspire a passion for the arts amongst visitors and to make the arts an integral part of their lives. It aims to create a strong relationship between the art-loving public and artists through their artworks.

The Arts House forges strong links between artists, art organizations and art enthusiasts through a wide range of attractive and stimulating events featuring contemporary art and entertainment. The splendid interior of the building provides a superb location for the display of artworks with its expansive well-lit rooms.

The Arts House with the collaboration of Singapore’s Business Times has launched a programme to nurture artistic talent amongst youngsters, providing assistance to talented children of non-affluent families.

The organization also conducts a Cultural Relationships Programme which aims to provide gifted Singaporean artists with a platform to display their masterpieces on the international stage.


Custom Tshirt – From Slogans to Tie-Dyes

Custom shirts have been around for quite a few years, through the fifties and sixties to the seventies and eighties, individuals couldn’t get enough of custom shirts. Today, what’s old is new again and the custom shirt is back and in style with pants or pretty much any mix of apparel.

A custom shirt can be perfectly sized, which means it accommodates your body and just your body. On the off chance that that is the situation, at that point somebody needed to make or sew the shirt for you considering your estimations. Numerous individuals accept that custom shirts are costly on the grounds that they are typically hand made and made distinctly for you. camiseta cristã This is valid sometimes, but at the same time it’s a well known confusion in light of the fact that a ton of custom shirts can be mass created and circulated to an incredible number of individuals. Custom doesn’t really mean special or stand-out, it just means made for you or by you.

There are numerous mottos on custom shirts today. Some are politically propelled, some are earth well disposed while others are simply senseless and have no genuine significance and that is by all accounts the purpose of the custom shirt. There are a great many various structures of custom shirts accessible today. Custom shirts with mottos appear to be the most well known as of far as ongoing design surveys recommend and they can be worn with pants or with a skirt or coat and jeans. Men just as ladies are wearing custom shirts with trademarks or saying on them for an assortment of reasons, yet one thing is without a doubt, you will get saw in the event that you have a truism or motto composed over your back.

There are a few different ways to uniquely design a shirt for yourself as opposed to buy one. you can go down to the neighborhood second hand shop and get a few utilized shirts and once they have been washed, you can accomplish a wide range of things to them to make a custom shirt. There is the old remain by of creatively coloring the shirt, which is constantly well known. There are uncommon colors you can purchase at the specialty store and afterward utilizing elastic groups in different situations around the shirt, color it and there you have it, a custom shirt which will help you to remember the sixties. Include some iron patches of gestures of goodwill or other lettering and you will have one special shirt.

Private Hard Money Lenders – The Different Lenders And How They Can Help Real Estate Investors!

Most real estate investors rely on certain private hard money lenders for their source of funds. But getting the financing for various real estate investments can be extremely hard if you approach the wrong lender. This article will help you tell the difference best mortgage lender in greensboro between these lenders and help you work with the ones that can help you…

Not all hard money lenders really understand rehab and resell investment strategy being used by thousands of real estate investors all over the country. In reality, there are various levels of private lenders:

1. Commercial investment lenders
2. Development lenders
3. Bridge lenders
4. High end home lenders
5. Residential lenders

By fully understanding your business model, you will be able to work with the best hard money lender that helps investors just like you. For me, it’d be residential hard money lenders.

Apart from that, these hard money lenders also differ in their source of funds. They are bank lenders and private hard money lenders.

Bank Lenders – These lenders get their funding from a source such as a bank or a financial institution. These lenders give out loans to investors and then sell the paper to a financial institution like the Wall Street. They use the money they get from selling the paper to give out more loans to other investors.

Since these lenders depend on an external source for funding, the Wall Street and other financial institutions have a set of guidelines that each property must qualify in order to be eligible for a loan. These guidelines are often unfavorable for real estate investors like us.

Private hard money lenders – The model of these lenders is quite different from the bank lenders. Unlike the bank lenders, these lenders do not sell the paper to external institutions. They are a bunch of investors who are looking for a high return on their investments. Their decision making is private and their guidelines are quite favorable to most real estate investors.

But there’s a huge problem with such private lenders. They do not have a set of guidelines that they remain consistent with. Since they remain private, they can change their rules and interest rates anytime they want. This makes such lenders highly unreliable for real estate investors.

Here’s a story for you:

Jerry is a real estate investor in Houston who’s mainly into residential homes. His business model consists of rehabbing properties and reselling them for profit. He finds a property in a nice part of the town, puts it under contract and requests his lender for a loan.

The lender has changed his rules regarding lending in that particular area of the city. Therefore, he disapproves the loan. Jerry is left nowhere and tries to find another profitable property in a different area of the town the lender seemed interested in.