I wasn’t really living my dream but I am grateful for what I have. I had to make a lot of sacrifices in order to get where I am and I understand and appreciate the value of hard work. I had a couple kids that I had to care and provide for so the motivation to get up and get to work was always there. Kids were easy in the sense that they just needed the bare necessities but I was more concerned about meeting their emotional needs than anything. I spent a lot of time at work and they spent time at a day care and their father. I worked for a company that provided catering services and I was a lead coordinator. I pretty much made sure that everything was setup correctly and the food was prepared, plated and served properly. Most of my staff was fairly experienced and didn’t need me to look after them but there was always a small amount of attrition that I constantly had to deal with. I didn’t do the hiring and I was happy for that, I hate being in positions where I feel like I’m determining someone’s fate. As long as whoever they hired had a good attitude and some attention to detail, I could usually work with that and turn them into a halfway decent catering company server. Many of the venues that we catered for served alcohol so it wasn’t uncommon to see someone say or do something inappropriate to someone on our staff. In this situations, we told Jake and he would pull the person aside and have a kind conversation with them, then they’d go sit back down and behave themselves for the most part. Sometimes though, the person would get defensive immediately so Jake was never actually able to have a discussion with them, in these cases, if the guy is making a scene then Jake submits them with a chokehold and drags him out. A lot of people let alcohol go to their brains and it makes them believe that they are smarter or tougher than they actually are. This type of behavior can’t go on for too long before someone has a problem with it and they take actions to counter it. It didn’t happen a ton but when it did, Jake was there to neutralize the problem child and deal with them accordingly, it was actually his discretion and his ability to talk people down that we liked most about him. These scenarios were more prevalent when we did wedding catering because people drink a little more and feel comfortable enough with the people around them that they’re a little loose with their comments. Sometimes we worked weddings that another vender that did photography and videography and we were able to see some pretty funny choice wedding video footage. You wouldn’t believe some of the things that these tipsy people said at some of these weddings, you’d have to see it to believe it.
Our homes are precious to us and so it is important for us to find things for our homes that make us happy. But sometimes we need something a little extra special to get us going and wouldn’t it be great if what got us going was something that we could help influence in terms of the design? Let me introduce you to Colby’s of Ridgefield in Fairfield county CT. They are a company that offers a wide selection of Hunter Doulgas shutters, blinds, shades, and draperies as well as wall paper and upholstery. They are a local and family owned business that you can find in the quaint downtown area of Ridgefield, CT. Being local and family run, they pride themselves on their customer service and their extensive knowledge of what the area likes in terms of design.
One of the things that they offer to the public is their custom window treatments. Each of us has our own unique style and need to have something that makes us feel like our home really is our home. No one wants to live in a place that you see day in and day out that really doesn’t fit your style. That is why Colby’s of Ridgefield is proud to offer the option for individuals, families and business to customize what it is they would like to see in the living space of their place of business. After all we spend much of our time indoors either at work or at home and so it is absolutely crucial that we find decorations that feel good to us. Colby’s understands this and wants to make sure you are getting exactly what you want. They know that this is sure to bring a smile to your face every day.
Colby’s of Ridgefield’s custom blinds come in many different styles and colors. They even have a plethora of materials for you to choose from to make sure that you are getting exactly what makes you feel cozy, inspired or both. They come in any size that you might need to make sure they will be able to fit in any window be it a small window in the utility closet or a large window taking up an entire wall in your living room. Customize blinds to match the beautiful wall papers and upholstery that Colby’s also has to offer as a part of their incredible inventory. They also Hunter Douglas blinds.
As well as having custom blinds they have custom interior shutters to make sure you are getting just the right look in your kitchen. They have custom shades and custom vertical blinds as well. With all of these options how can any deny that Colby’s is a company that has your best interest at heart. Being a family owned company they are humble and know how important your home is to you. They want you to have all of the options you deserve to make your home your sanctuary. Give Colby’s a call today to see what they have to offer you and your home.
A few years ago I was experiencing what I would know call a midlife crisis. I was finding that nothing in my life gave me joy and satisfaction the way used to. I would go on expensive vacations and buy myself items I always wanted nothing seemed to fill the void. It’s hard to say, but I believe the main problem was that things were coming a little bit too easily for me in life and I wasn’t experiencing the satisfaction from earning something truly great and worthwhile. So, I began to think about how I could get myself involved in something that was exciting, challenging, rewarding, beautiful and fun. If I was able to learn a new skill or task in the meantime that would be great but more so than anything I needed to feel challenged and that accomplished feeling of overcoming fear and meeting a goal.
You see a house or a property that you like to renovate to make it better to have more income. You want to try getting help from a hard money lender but you haven’t try it before and is wondering what are the risks involved in such kind of hard money lending?
Hard money lenders have several requirements. At Montegra, they can offer you several hard money loan types and their lending guidelines to better assist you if you are qualified to be approved for a hard money loan.
Borrowers may loan a percentage based on the appraised value or the property, while other may loan a percentage based on the original purchase price of the property. It is better to look for the private money lender that will loan you on the appraised value of the property. The private money lender will give you the list of the fees along with the lending guidelines and terms, including:
1. Your loan points
2. The closing costs (document fees, escrow fees, notary fees)
3. The interest amount
A traditional lender like banks may say:
I will give you a loan of 60% of ARV (appraised repaired value), with 5 points, 500 in the document fees and a 6 month interest only with a payment loan at 10%
In layman’s term on a deal that is being assessed at $200,000:
Traditional lenders will loan you up to 60% ($120,000). To get the loan, you will have to pay $6,000 in points + $500 in document fees and the borrower will pay $1,167.67 on the loan, until you sell the property or until 6 months is up. The lender will take a trust deed and make you sign other documents just like on a regular mortgage.
Before you show the private money lenders the property, you should be familiar with the other local lenders and prequalify them. Hard money lenders have different requirement than that of a conventional mortgage lender. Hard money lenders are concern about the amount of cash the borrower have, the level of experience relating to real estate and your credit score.
Here are some typical hard money lending process that Montegra offers to share to interested borrowers:
1. Prequalify private money lenders. Talk to the hard money lender and check what they need from you and your deal.
2. Look and place a good deal on your proposed property under contract.
3. Call the hard money lender and let them know of what your contract price is, the estimated cost of the renovation and what you think of the Appraised Repaired Value (ARV).
4. The lender will send their appraiser to have your property properly appraised by them.
5. The lenders may ask you some of the escrow documents to check on the paperwork.
6. Hard money lenders will either agree or disagree to fund the loan and will inform you what the amount is and the terms with it.
7. The borrower closes the loan. Hard money loan is just like a traditional loan in that you do the closing at a lawyer’s office or at a title company. The lender puts the loan amount into escrow at the title company. The title company will make sure that all the required documents are completed and in the correct order and that the loan is sent to the appropriate borrower.
Montegra Capital Resources in Colorado has over 43 years of experience being the premier hard money lender with a trusted reputation. Call Montegra and get in touch with one of their experts in hard money lending for you to purchase properties at below market value with their various hard money lending options.
Maybe it is because I grew up in a very small town where everyone knew everyone and everyone talked with one another, but I really appreciate communication. I do not enjoy interactions with people where they seem to be skirting the issue, I am not a huge fan of people sugar coating things, and I can get fairly frustrated with businesses when they won’t answer the phone or field any of my questions. I like open and honest communication. This doesn’t mean that I am rude. I just really appreciate knowing exactly what is going on and how it impacts me and the people around me. For example, a good friend of mine recently wrecked her car after hitting a bad patch of road. Initially, her estimate was for about seven hundred dollars, but after the mechanics and the insurance company had met a couple of times, it turned out to be thirty-five hundred dollars. I understand that cars are not cheap to fix, and the problems could very well have added up to that final dollar amount, but no one ever called my friend to talk her through it and explain why it was now so much. That is the kind of thing that frustrates me.
This is why I was so happy when I was looking for a marijuana marketing company and I came across Marijuana Marketing Gurus. They are a company that really values communication and people like me really appreciate it. First, they have a very simple website, with contact information all over the page. You can choose to email them or you can give them a call to talk through a potential partnership. They are easy to get ahold of and they really know their stuff. Their website also clearly explains everything it is that they do, so the customer can have a clear understanding of why certain services cost what they cost and what benefit they will bring to your business.
Another great element of their exceptional communication is their ability and desire to talk you through specific parts of your marketing strategy. For example, marijuana SEO can be complicated, and they are willing to explain to why they think you should do certain things to enhance your company’s status on search engines. They’ll talk you through why you need to use certain words on your website and in your ads and what benefit they will have to you. They’ll explain exactly how much that will cost and what you can expect your return on investment to be.
Also, when working on your marijuana web design, they’ll consult with you regularly. Rather than just throwing together a website that they think will help you out, they’ll talk to you about what you would like to have on your website and how you would like it to look. Then they’ll tell you what some of their suggestions are and help you figure out a way to get what you want while not sacrificing the ability of your website to generate traffic. They really are fantastic.
We all have our routines through out the day. We get up, eat breakfast, get ready for work, get in our car, punch the garage door opener and drive the work. Then we work, drive home, push the garage door opener again and finally get to unwind. Day in and day out this is our routine. And if you are anything like me than you will probably repeatedly press that garage door button over and over if the garage door doesn’t come up as fast as you would like it to. Think about the work out that garage door button gets and think about the work out that you garage door itself gets. That is up and down day in and day out so it makes a lot of sense that you would want to know a company that can help you keep your garage door up and running in the most functional and affordable way possible. There are a lot of businesses out there that deal with garage doors but not all of them can offer you the incredible products and services that Colorado Garage Door can.
Colorado Garage Door is a company that is here to help individuals with garage door repair and garage door installation. They are dedicated to making sure that no matter how many times you press that button and no matter how many times you go in and out of your driveway that your garage door is going to work for you as well as you did when you first got it. Your garage door is the door way to you and the rest of the world and if it doesn’t work properly it quickly becomes a barrier. At Colorado Garage Door they want to help you with keep your garage door as a gateway so you can go out and be your fabulous self in the world.
Colorado Garage Door offers awesome discounts along with their already incredible services and products. They are committed to making sure that you get what you need at the price that you deserve. If you are interested in finding out what kind of deals Colorado Garage Door has to offer then give them a call or hop on their website and see what they are generously giving to their community as well as their excellence in garage door replacement and installation.
Since we all use our garage doors so much it is important that we have a resource for these machines. If they break down, Colorado Garage Down has same day service and also twenty-four hour a day and seven day a week emergency service so you can be sure no matter when or where, you will be able to transform your garage from a prison into a gateway. Colorado Garage Door is proud to offer friendly and reliable services as well. Press that garage door button as many times as you want without fear of anything going awry because Colorado Garage Door is now by your side.
Maintaining a clean home can be very difficult and highly time consuming. I am always amazed after spending hours cleaning my home that it seems to get dirty again by the end of the day. You would think that I would have learned by now how to make my hard work last for longer than a day, but I haven’t quite figured that out. The majority of my home has hard wood floors or tile but the bedrooms have carpeted floors. Although I definitely prefer the hard wood because it is so much easier for me to clean, having carpet in the bedrooms is nice. I do my best to keep the carpets clean and looking nice but anyone who has ever lived in a place with carpet can tell you that no matter what you do eventually you will stain your carpet. It seems like regardless of how often I clean my carpets myself there always comes a point where I decide to have them professionally cleaned.
Recently I went out of town for a day and left my teenage son at home by himself. He knows that he is not supposed to eat in his bedroom but since I was gone he decided to do that anyway. A couple of hours after I left I got a call from my son and he told me that he had broken the rules and was eating in his room and spilled on the carpet. I couldn’t be mad at him because he sounded like he felt really bad. He said that he had tried to clean up the mess but that the food had stained the carpet and he couldn’t get it out. I was definitely annoyed but I appreciated the fact that he had tried to fix his mess and when he couldn’t do it he called me to tell me. I told him not to worry about it and that we would deal with it when I got home. The next day when I arrived home he showed me where the stain was and I saw that it wasn’t something I would be able to get out either. The stain came at a good time because I had been considered having the carpets professionally cleaned anyway. The stain in my son’s bedroom gave me the push I needed to schedule an appointment.
I called Curtice Chemdry to schedule an appointment for a professional carpet cleaning. They were able to send someone out later that week and gave me an estimate for how much it would cost to clean all of the carpets in the house. Having a professional carpet cleaning can be expensive but the price they quoted me was manageable for my budget. They were even able to use a rug cleaner to clean the rugs in the living room! I was very happy with the results once everything was finished. The rugs and carpet looked brand new and they were able to get the food stain out of the carpet in my son’s room!
SSL certificates have been in the news recently due to a breach in the Internet Explorer application, which allowed for people to view different webpages. I do not think that many people were aware of it and it was actually found by a programmer that works for one of the good sides. He was quickly able to patch everything up, but it just goes to show that you never know where those internet vulnerabilities are going to show. One of the things to keep in mind is that we are still trying to figure out this whole internet thing. We truly have no idea how big the internet is and much like the universe, it continues to grow and grow. One of the things that I think will be really interesting is when we reach the point in time called singularity when the internet and computers are smarter and more able than people. If this time ever does come, I think that it could be very instrumental in the future course of the whole. I also hope that it will yield some technologies that allow for us to fully implement measures to help humanity. Nevertheless, this is a long time away and we are currently more focused on building the internet.
The infrastructure of the internet is a very interesting thing. We have come a long way from the periods of time during which the internet was still being figured out as to how to communicate from one party to another. We now know that many of these technologies have progressed – from chat rooms to the ubiquity email – the internet has changed completely. We are able to see another one of these changes when it comes to domain names. Domain names have been around for a very long time and they act as the address to insert in the address bar, so that you can go to a website. They all vary – some are long, some are short – for the most part though, they are followed by .com, .net, .org, and now sometimes .tv. Each country also has their own tags, for example websites coming out of the United Kingdom will have .co.uk as the suffix. This is about to change because several of the companies that are somewhat responsible for websites have stated that they want to open up the sites that are available. Soon we will find websites that have suffixes with which we are unfamiliar. These suffixes will be focuses around making sure that the website pertains to the suffix itself. For example, all of the sites that feature porn will have the suffix .xxx. This will be helpful for parents as they will not have to try and discern the meaning of certain domain names. It will also help these websites build their following and a clear brand identity across multiple platforms. This is the direction in which we are moving. It will be very interesting to see how this progresses into the future of the internet.
While right now the possibility of buying some sort of luxury home or mini mansion is still a little bit far off with how bad we were hit after the financial crisis, it is still one of my dreams for when we get back on our feet a little bit more. I spend a decent amount of my time some weeks looking around online at different luxury homes to see if there is anything in particular that I find that I like or even just to get some ideas sometimes in case it ever ends up that I build my own luxury home instead of buying one that has already been built.
The most recent luxury home searching spree that I went on was looking at all of the luxury custom houses that Zook Bros. have built. I really like the homes that Zook Bros. build because they are amazingly beautiful both on the inside and the outside. On some of my favorite ones they also have a beautiful garden or other surrounding of the house. I really like the way that they often really work the custom luxury home around the landscape so that it gives the whole thing this kind of mystical feeling. Of course some of the custom luxury homes do not have that but I tend to be a little bit less fascinated by those homes. I guess everyone has different tastes.
The other reason that I have been looking at Zook Bros. in particular is that while even though sometimes I dream of living far off and interesting places, I am really not so sure that I would want to leave Colorado. While there are a few luxury home builders in Colorado, there are not really that many. I am not sure where exactly in Colorado I would want my custom luxury home built, I mean there are so many beautiful options in Colorado mostly depending on what kind of background I want- if I want my new custom luxury home high up in the remote mountains or sitting beside a calm and beautiful lake, in Colorado there are just so many options for beautiful landscape and settings. I think that is a lot of the reason that I love this state so much and would want to continue to live here. There are just not that many other states in the US that are as diverse and beautiful as Colorado is. And since I think that I would want to stay in Colorado it just makes sense to find a custom luxury home builder who is already working here so I would not have to pay an enormous fee on top of the costs of the house to have the designer and building team come out of the state that they are normally working in. Since I really like the designs that I have seen so far for Zook Bros. it makes perfect sense for me to just go ahead and probably hire them when I finally have everything figured out for when I can start to build my new beautiful luxury home.