Paul Petersen


The term hard money loan generally defines the idea of a type of loan which is secured against real property. These kinds of loans are generally used in the cases of real estate transactions and in this scenario, the lender happens to be an individual or company rather than being a bank. This loan is treated as a short-term bridge loan or a loan of last resort. Therefore, the loans are taken out only for a very short duration where the loan is given out based on the property.

How Do Hard Money Loans Work?

The way that these loans work is pretty simple to understand in general. The terms of the loans are based entirely on the valuation of the property that is being used as collateral. This has no exclusive links to the creditworthiness of the borrower in any way. This type of loan is generally not handled by authorized banks or any traditional money lenders. But for any private company or an individual who sees potential in this risky venture, often lends money in this scheme. 

The loan givers plan on lending the money to the borrowers often with a very short period of a maximum of three to four years, if not sooner. If the borrower fails to pay back, the property that has been used as collateral is generally renovated and the real estate is resold. If the borrower intends to pay off the debt as quickly as possible, a higher hard money loan is cashed out by the lenders.

What Should Be Kept In Mind About Hard Money Loans?

The amount of money that is generally loaned out in this type of transaction tends to be pretty higher than the amount the banks or several other government lending programs tend to offer. Quite obviously, this puts the lenders at a much higher risk when they finance someone. But on the other hand, it can also act as an excellent way to transact capital without having to go through lengthy approval processes. Moreover, the borrower may also receive some flexibility in the repayment schedule by discussing it with the lender. 

What Are The Benefits Of Hard Money Loans?

One of the most noteworthy importance of these loans is that the approval process of such a loan is much faster and a lot simpler as opposed to the traditional loaning services. 

The lending of the loan does not depend on the financial state of the borrower. This means that an individual even with very poor credit can receive big amounts in the loan if they can present substantial equity in the property.

For a hard money loan, the dealers are not very interested in getting paid back if they see a better opportunity and a much greater value in the property that is being used as collateral.

In the ancient days, hunting was practiced as a means of survival and getting food. As modernization took place, people took up hunting as a sport or just a fun activity.  According to Statista, in 2017, over 15 million U.S. citizens participated in hunting. In the United States of America, hunting exercises are controlled on a state-by-state basis.  Over 15.5 million hunters have a hunting license. Hunters need hunting skinning knives for efficient hunting. Below are some of the things you need to know about custom hunting skinning knives. 

Types of Hunting Knives

As a hunter, you need a reliable knife to make your exercise fun and successful. Here are two common types of hunting knives:

      1.Fixed Blade

A fixed blade knife is what you need if you are seeking a personal and practical knife.  It is especially advantageous if you are hunting big game. It also comes in handy if the terrain you are hunting in is rugged or rough.  The strength and dependability of a fixed blade are its main selling points.

      2.Folding Knives

Most hunters prefer folding knives over fixed blade knives since they are considered safer.  Folding knives are easier to carry around, making them more advantageous for hunters traveling long distances. What is more, they can be concealed easily.


4 Top Custom Hunting Skinning Knives

Traditionally, hunting knives are designed for cutting instead of stabbing. Most of them have one sharp edge and a subtly curved blade.  Due to many people taking up hunting sport, several companies have come up with different designs to suit the hunters’ needs. The following are some examples of hunting knives:  

      1.The Marble’s Ideal

The Marble’s Ideal was introduced in 1899, and it has remained to be one of the most classic knives.  Made of quality steel, the Marble’s Ideal knife stays for an extended period without going blunt. Initially, the blade cost $1.25, but currently, collectors can purchase it for about $10 000.  

      2.Russell Canadian Belt Knife

Hunters love the Russell Canadian Belt Knife due to its fixed blade. The knife can be used for cutting, skinning, caping, and even gutting.  This knife was designed in 1958 by Dean Russell.  There have been several copycats of the Russell Canadian Belt Knife, but nothing beats the original knife designed with an oblique blade and a lean rosewood handle.

      3.The D.E. Henry Bowie

This knife was designed by Daniel Edward Henry, a legendary knife metalworker.  His work was unique, quality, and more advanced in polishing and grinding. Many hunters pride themselves in having a creation of this genius. The D.E. Henry Bowie knives are not easy to acquire.

      4.The Leuku

The Leuku is one of the unique knives known to hunters. It serves as a machete, a hatchet, and a butcher’s knife. It was traditionally used by the Saami community of the northern forests of Europe.  The handle of the Leuku is made of birch, and the sheath almost swallows the whole knife. The blade has not been modified much, and it remains the same.

Whether you want a hunting knife or a survival knife, you ought to always go with the best in the market. Call at (907) 830-0190 if you need a custom hunting skinning knife, survival knives, or pocket knives.  Our knives are made of durable material for heavy outdoor uses. You can select your preferred knife from various folding knives, straight knives, bear skinners, mule skinners, gut hooks, and much more.

We all are now dealing with the COVID-19 pandemic that has impacted our lives and economic activity throughout the world. Even freelancers, self-employed professionals, and independent contractors are also affected. In such circumstances, the PPP loan amount is a great help. According to a report, the pandemic showed a negative impact on around 80% of independent contractors. The entire situation is confusion creating around the Paycheck Protection Program (PPP) for independent professionals. 

One can qualify for a PPP loan when – 

  • Candidate files Schedule C along with 1040 returns each year.
  • Paying workers with 1099 despite W2s.
  • If workers are a pain in 1099s, you are still qualified as an independent contractor. 

Applying for a PPP loan as an independent contractor

PPP loans are usually given by partner lenders who are actually working with SBA. They can also use Lender Match Tool for identifying a lender near you. For this, it is necessary to submit the documents together with the additional documents needed by the lender. Within ten business days, loans will be issued. 

Applying for a PPP loan as a sole proprietor

Self-employed people take loans once in their lifetime to increase their business. Someone with a loan amount under $150,000 can easily apply for PPP loan forgiveness along with Form 3508S. If you are filing this form, then there is no requirement for supply documents or calculations. One thing to be mention here is the total amount spends on loan forgiveness amount and payroll expenses. File the loan forgiveness application with the lender, not with SBA. The lender will further take care of the complete procedure. Within 60 days, you will get the latest updates after filing the forms.

In case the lender rejects the application, he will inform you and allow you to further notifying the SBA. Do apply for SBA review and further inform the lender regarding the same within 30 days. 

The summary

So, if you are an independent contractor or self-employed professionals who want to apply for a PPP loan, then our team is ready to help you out while addressing your concerns.

It was somewhere around the early 2000s when business consultants latched on to the idea of promoting relationship cultivation as a way to get ahead. Some two decades later, relationships are still a hot topic among business experts. That seems strange given the fact that relationships have always defined business interactions.

Any time one person interacts with another, you have a relationship being developed. It is unavoidable. That is what relationships are, by definition. So why so much focus on relationship cultivation in the business environment? It is probably due to the changing nature of relationships. This is the real issue at hand.

  • Business Relationships in the Past

Looking back over past decades of business history clearly shows that the relationships developed by previous generations were quite different compared to what we expect today. It’s not that they were less personal, but those involved focused more on getting things done than nurturing positive emotions.

You can clearly see the change just by comparing current and past management styles. Fifty years ago, business management in America was based on a top-down model. A business owner maintained ultimate control. They delegated authority to their management team who, in turn, ensured that front-line workers did their jobs. It is completely different today.

Modern owners and managers are expected to be collaborators. They are expected to collaborate with front-line workers as both peers and superiors simultaneously. Managers are expected to foster relationships with their workers that, to the untrained eye, may seem more personal than they should be.

  • Business Relationships in 2021

Today’s business relationships are less likely than ever before to be rooted in top-down thinking. Today’s companies think horizontally rather than vertically. Business consultants stress nurturing relationships in ways that give as much attention to those relationships as actually getting the job done. A good example of this is found in a BenefitMall blog post published in mid-February 2021.

That post focused on building relationships as a benefits broker. It talked mainly about how brokers can be more effective at the sales game by being better relationship builders. BenefitMall offered a number of tips including being more positive, being less formal, and adopting a partnership mentality.

No matter where you look, the emphasis seems to be on avoiding absolutely anything that could be perceived as negative. In some circles, avoiding the negative is taken to such extremes that content creators are not even allowed to use verbs in the negative form.

  • Relationship Foundations Have Changed

None of what constitutes a modern business relationship is inherently bad. It’s simply different. Business relationships have changed because their foundations have changed. That’s the real key, whether you are a broker selling benefits packages or a middle manager trying to motivate your team to be better.

Fifty years ago, the foundation of most business relationships was just that: business. People interacted in a business environment for the sole purpose of getting business done. It worked well for that time. Today, that sort of relationship won’t fly – because the foundation has changed.

People take things a lot more personally in 2021. Thus, the foundation is no longer strictly business. Rather, it is business conducted in a way that makes people feel good about themselves. In addition, today’s relationship foundation encompasses things like social justice and environmental responsibility.

Business consultants still speak of fostering business relationships as though it is something new and revolutionary. In reality, relationships have always defined business interactions. The only thing that has changed over the last 50 years is the foundation on which such relationships are built. Get the foundation right and your business relationships will follow.

Credit cards come with multiple benefits,not the least of which are smooth and fast transactions, anytime and anywhere. There are a few things you can do to avoid paying a high bill at the end of the month. There are some easily avoidable mistakes that can help you get the most of your credit card. Here’s a look.

1.   Apply for the right type of credit card

If you are using a card that charges a high interest rate, consider doing some research on the types of credit cardsto find one that offers better rates. You could also consider transferring your credit card debt to a balance-transfer card, which tends to have a lower rate for a certain period. You may also opt for a 0% APR (annual percentage rate) card to avoid interest charges by paying off your balance during the introductory period. Save up the major expenses for emergencies. Also, check which card fulfils your needs the best, rather than choosing a card with multiple offers you will never use.

2.   Pay your bills on time

Always pay off your credit card bills within the interest-free grace period.Leaving bills unpaid will lead to late payment fees with interest charges, as per the APR. Also, paying these bills on time is great for your credit score. A history of timely payments will raise your credit score, which will make you eligible for various other types of benefits, such as easy loan approval.

3.   Avoid saving your card information on shopping sites

While e-commerce has made life much easier, saving all your credit card information on shopping sites could make you vulnerable to cyber threats. You never know, not keeping your card details so easily accessible might also prevent you from giving in too easily to the temptation of shopping on non-essentials. This could even help you save money.

4.   Utilise the benefits of credit cards

Make sure to check for all the advantages of your credit card,such as reward points, discounts and offers. Keep track of your reward points and redeem them for vouchers and gift cards or, if your card offers, real airline miles. This way, you get to benefit from great savings, while staying within your credit limit. Besides, offers like cashbacks or extra credit points can go a long way in reducing your regular expenses.

5.   Choose EMI payments

Whenever you need to buy a big ticket item, such as a fridge or television, check out whether you can buy via EMI payments. This will help you stay within your credit card limit and avoid a big bill at the end of the month.

Carefully read all the terms and conditions before applying for a credit card. Learn about the applicable charges and see how you can avoid incurring them to enjoy the maximum benefits of your credit card.

Tax season is almost upon us and if you haven’t started planning for it, you’re late. Most small business owners and real estate investors have a small, expert team working with them for tax planning and investments, but for those individual investors, DIY or otherwise, tax time is always tricky. If you’re already working with a financial planner Orlando, you have the benefit of working with an investor who’s also helping you with tax planning. However if your current financial advisor doesn’t assist with your tax planning, here’s 4 reasons why you should find a new financial planner who will help with your taxes.

Your Financial Planner Knows More About Your Finances 

There’s a great chance that your financial expert sees more of your financials than your accountant does. This is usually because they will find more success by knowing more about your spending habits and financial goals. As most advisors don’t charge per hour, clients are inclined to share every bit of information with them.

Accountants tend to be thought of as strictly tax people, so a client generally won’t ask them other financial questions if there is not an obvious and direct link to a tax question. This equates to your financial planner knowing much more and having more of an impact on your taxes than your accountant, and why they should certainly be working with you to tax plan.

Your Financial Planner Has More of an Impact on Your Taxes

We already know that they know more about your financial details. Whether it’s investments, retirement, annuities, or other financial questions, your financial expert is the cornerstone of your financial strategy. This long list of financial questions also has tax implications, but your accountant can’t help with this type of preparation because it’s not what they do. Additionally, they can’t offer guidance until their tax season slows down, which is too late. Your advisor, on the other hand, already knows your finances inside and out, and is aware of the big picture plan. They are in the perfect position to help you regarding the tax impact of your financial decisions.

One Tax Mistake Can be Catastrophic

Financial advisors pride themselves on outperforming the market. Obviously no guarantees can be made, but they are truly experts in their field and often show examples of their superior investment performance. If they are able to make you alpha, or additional earnings, it’s generally a small percentage point. Meaningful, but not yet tangible. But if they make a mistake that ends up costing you more in taxes, it can wipe out your alpha earnings and hurt twice as badly because paying a tax bill is tangible. It’s actual money coming out of your pocket and going straight into Uncle Sam’s. Your advisor should always be trying to keep money in your pocket and keep the government’s hands out of it.

Tax Efficiency is The Best Investment Strategy

Simply put; the more money you have to invest, the more money you can earn. Because taxes are a zero-sum game, every penny you keep is a penny of yours that the government doesn’t have. Those who are tax savvy and able to keep their tax bills lower, are the ones with more money to spend or invest. Whereas others, who are not tax focused, end up having to commit more money to the government, which results in less capital to invest with, and thus making it  harder to accumulate wealth.

Ask your current advisor about tax prep and if they don’t offer it, or charge more for it, find a new financial expert who will tackle it with you. When you work with a financial planner who is able to incorporate tax planning into your big picture, financial strategy, the result is financial success. 

It is even known as “prop trading,” that offers higher level of potential of earnings very much in career rather than the jobs such as investment banking and also the private equity. This is arguably merit-based industry in the finance department: if you will make abundance dollars for the firm, you will also earn a significant part of the percentage.

The Proprietary Forex funded account usually refers to the financial firm and also the commercial bank which invests for the direct market to attain instead of simply earning the commission dollars through trading on the behalf of clients. In the proprietary trading Forex funded accountyou don’t have to risk your capital and the great thing is that may involve trading of the stocks, bonds as well as commodities, currencies along with different instruments.

With a forex funded account you will be able to trade capital of the prop firm, like Forex Traders UK, meaning that you will be able to double your capital each time whenever you will hit the breakthrough.

The Proprietary Trading usually occurs when the bank or when the firm usually trades stocks, bonds, derivatives, commodities as well as different kind of the financial instruments in their own account, by using the money rather than using the money of client. The best thing is that you don’t need to have experience or money to get started with this kind of trading account. This allows the firm to earn complete profits from the trade instead than only the commission that it receives from the processing of trades for the clients.

The Prop traders use different kind of the strategies like merger arbitrage, global macro-trading, index arbitrage, volatility arbitrage for maximizing the returns. The Proprietary trading account has to access the much sophisticated software with the pool of information to assist and make some critical decisions.

Want to know more about prop firm Forex Traders UK? Open a Forex funded account and start prop trading now.

The world is in crisis because of the pandemic. Many businesses shut down, and many people lost their job. In this time and age, people should be resourceful to make ends meet. Don’t you know that you can make money online? How to make money online? There are plenty of ways to do so. Some of them are discussed in this article.

Below are the different ways on how to make money from home?

  • Affiliate marketing 

It is one of the common ways to make money online. Many companies let you do affiliate marketing. All you have to do is promote the brands these companies offer, and every time you generate a sale, you will earn a commission. How to do affiliate marketing? You have to create exciting content linking the brands with your unique affiliate link. Once a customer clicks on your link and signs up using your link, you’ll be able to make money.

  • Dropshipping 

It is an online retailing business without having the need to invest in inventory. You can take advantage of online platforms that facilitate dropshipping. Such a platform will connect you to various suppliers across the globe. All you have to do is find a customer, collect the price of the product, purchase them from the supplier at a lower price, and the supplier will ship the product to the client on your behalf.

  • Blogging 

Blogging is one of the excellent ways to make money online. Your goal is to generate traffic to your blog by writing compelling content. If you have a talent for writing, blogging is a great way to generate an endless stream of income. It takes some time to master the art of blogging, but once you master it, you will have enough income not to get a daytime job.


Many small businesses do not have the resources to hire their own tax accountants, or they simply cannot afford one. For these business owners, it might make more sense financially to file their taxes themselves and use a qualified certified public accountant. While some small business owners choose not to use an accountant, most are comfortable using an accountant that understands the IRS and tax codes. Here are some of the benefits and reasons to use an accountant to file your Florida income taxes.

Using a CPA eliminates many of the tedious aspects involved with filing your own tax returns in Florida. With individual returns, you must be ready to devote significant time to researching tax laws and tax brackets. Certified public accountants in Orlando provide comprehensive financial services that allow you to file your return quickly and easily. Certified public accountants in Orlando can also assist you with any federal tax issues, saving you time, money and stress. You will no longer have to deal with filing your return from scratch, and instead, can submit it to your CPA without having to worry about complex federal tax laws.


In addition to being an experienced financial professional, an accountant in Orlando can save you money by taking many of the administrative tasks involved in filing your return. Often, an accountant will complete all of the paperwork for you, including preparing your annual return. This includes developing an income statement, preparing your tax summary report, preparing your tax planning documents, researching tax havens and calculating any applicable tax credits or deductions. An experienced CPA can also assist you with any potential claims you might have, saving you time and money in the process. Your accountant will not only fill out the appropriate forms required by the Internal Revenue Service, but also will review your tax returns and prepare the appropriate submissions.

When you consider whether it is best to hire a CPA or an accountant in Orlando, you should make sure that the individual you choose is trustworthy and knowledgeable. Make sure that the individual you hire has experience dealing with all types of tax situations. In addition, it is important to ensure that the individual you choose has a good track record for helping you meet your tax obligations.

The major benefit of hiring both a CPA and an accountant in Orlando is that you are given the option to complete your tax returns on your own schedule. With a knowledgeable professional at your side, you can obtain expert advice on maximizing your tax benefits while minimizing your tax payments. Furthermore, if you do happen to have problems or concerns with the preparation of your tax returns, your CPA can help you deal with those issues, as well. While many accountants are ready, willing and able to help you with any tax-related issues, they may not have the expertise necessary to resolve certain issues affecting your tax returns.

Many individuals struggle with the question, “Is it better to file taxes with an accountant?” Generally speaking, most accountants are more knowledgeable about tax planning and filing tax returns. However, some accountants are better equipped to handle certain tax issues such as property taxes, sales taxes and inheritance taxes. Therefore, if you are unsure which option is best for you, your best bet is to hire a CPA to perform your taxes so that you have complete peace of mind regarding that aspect of your taxes the accountant will handle.

Creating a single portal for all participants in a non-profit organization activities is not an easy task. To bring this idea to life, you need a convenient platform and configure it according to the needs of your company.

The modern way of communication between employees allows them to easily exchange data and use it to provide unique offers. In this way, departments of a company may operate effectively while maintaining their performance levels.

This tool can be easily used in various fields. It can be used to contact suppliers, communicate with customers and integrate third-party apps into a single system. All information is protected thanks to the identification and easy access to the platform.

What is Salesforce communities for your business

Salesforce Communities is a useful tool for communicating within your organization. The platform’s functionality is quite diverse, so adding some functions will allow business to reach a brand new level. The activities of employees are easily tracked, which means that it is possible to create unique offers for each member.

Enabling communities and moving to a new communication system provides several benefits:

  1. Fast implementation. Thanks to a simple and accessible tool, you need no programmers. It’s easy to set up within a month, and after that you don’t need to limit yourself in communication with each client, supplier or volunteer.
  2. Support everywhere. The use of Salesforce Communities allows to avoid the pain of adopting new technology. System updates don’t require user intervention, so its use remains convenient. You can entrust the support of the system to a third-party company, such as Advanced Communities.
  3. Convenient access. The platform is available not only to users of desktop computers and laptops. You can get the necessary data using your mobile phone. To do this, it is enough to connect to the Internet and study the information on the issue of interest.

Integrating communities with existing databases has a positive effect on team work. Any employee will be able to receive information in real time, provided that several frequently used servers are combined on one modern platform.

Cloud storage of users is protected from unauthorized access, so there is no need to worry about the safety of important data. The administrator can restrict access to some data, ensuring the confidentiality of information about the work of an organization or a specific client.

What to use community portals for

Public portals are necessary for the marketing and sales departments to become one. By closing the circle in this way, it is possible to avoid unnecessary actions at any stage of cooperation. A detailed overview of the interests and needs of the main partners and volunteers allows to create interesting and unique offers.

The implementation of a single community portal will influence the work of the entire team. Integration with other tools allows to avoid common mistakes and streamline key workflows. Modern technologies and simplified communication allow to organize work in such a way that it becomes possible to improve the experience of cooperation with regular customers and partners.

Benefits of communities for non-profit organizations

Prices of platform services and support are fixed, so organizations may confidently manage their budgets. Communities are equally easy to use for sales, communication, and dispute resolutions. Registered members are able to exchange information; it will free employees from wasting time on explanations.

Additional components will optimize your workflows. Leverage the opportunities of a single cloud storage for easy access to useful information. Improve the customer and partner experience with unique offers.

Experts of may help any business reach a brand new level in the shortest possible time. User support at every stage of integration will allow to avoid mistakes and use the power of communities to the fullest from day one.