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Travel Like a Human with Airbnb

2008 2014 Travel like a

Looking to travel and want to find a unique place to stay? This new travel app helps you find a place to stay from “real people” and travel like a human.

Airbnb, the latest travel application that is guaranteed to change the way you travel, has just been launched into the world and is predicted to help millions of people save money and find unique places to stay. This San-Fransciso based company was founded by three young creative geniuses: Nathan Blecharczyk, Brian Chesky, and Joe Gebbia, who all shared the same vision: “to travel like a human.” You can also consider listing your property here, you can buy AirBNB reviews to get higher rankings on the searches.

Airbnb, which stands for “bed and breakfast” captured the slogan “travel like a human” and launched their company to the world. In just over one year, the website already has thousands of listings from “real people” in over 10600 cities in 178 countries. With their catchy slogans, sleek website design and user-friendly booking system, it is predicted that AirBNB will rapidly populate the entire global market.

Airbnb has already been recognized by major media sources, such as CNN, The New York Times, The Washington Post, USA Today, and many others, all of whom have given two thumb’s up to this great new start-up. The founders have received worldwide acclaim and numerous awards for their ingenuity in both their vision and in the implementation of their vision. In only a few steps, you can find the perfect home, owned by a “real person” and book it securely without any hassle.

The Social Networking Secret

There is a definite secret to the success of Airbnb. The secret is social networking. The founders have linked their website to the globally popular social networking site called “Facebook” and instantly, they established a reputable system that links all users into a global community of friends. The founders have also created a user-friendly I-Phone application that enables mobile users to find and book a place to stay while traveling around.

Top Mother’s Day Gifts for Mothers Ages 25 to 30

Mother's Day 2021: 10 Ways to Celebrate Mom from A Distance | The Old  Farmer's Almanac

With Mother’s day around the corner, kids and dads will be looking for excellent choices of gifts. Finding the special gift for mother depends on the age of the mother. This article reviews the top Mother’s Day gifts for mothers ages 25 to 30.

To find the top Mother’s Day gifts for mothers ages 25 to 30 years old, Dad is going to have to help the kids make choices. Think about what she likes, what her favorite things are, and what she has mentioned that she doesn’t have.

The demographic groups of young mothers ages 25 to 30 are quite fashionable, and trendy and will always appreciate nice clothes, designer bags, and electronics. They are either students or are making their mark in the workplace. One of the most appreciated top Mother’s Day gifts for mother’s ages 25 to 30 years is a new colorful laptop. Sony Vaio offers many models that come in a plethora of fashionable colors. Not only will she enjoy surfing the Web but this newly acquired tool will also free up the home PC for the family. Another top Mother’s Day gift idea in the electronics area is an Ipod for mom’s work out time. She can also enjoy her favorite music in her car on the way to work.

If the young mother has been wanting to up her physical fitness level but hasn’t had the time due to family or school demands, what better gift to give than an annual gym membership for the young mother to utilize. We’ve all heard about the gift that keeps on giving, a gym membership is truly indicative of that type of gift.

If you want to go with something more personal and you know exactly what kind of clothes she likes, go out on a limb and buy her a complete outfit. This includes a suit, shoes, bag, and matching jewelry. Not only will she love it, she may even wear it to church on Mother’s Day.

To truly find the top Mother’s Day gifts for mother’s ages 25 to 30 years old, think about giving her something she has wanted, but hasn’t been able to give herself due to either time constraints or budget. What about a weekend or a day at the spa? Every woman loves being treated to either a Day Spa or a Spa Package. These can be purchased as a gift for her along, or turned into a Spa Weekend for a couple.

More importantly when looking for the top Mother’s Day gifts for mothers ages 25 to 30, consider her hobbies, likes, and dislikes, and things that she needs and wants, and make an attempt at making her dream come true for that special day of the year.

Setting Aside Money for Your Child: Savings Plans from Birth Onward

Setting Up Bank Account for Baby? Here's How + Best Savings Plan for Child  | Money Prodigy

Now, of course you weren’t able to save money right away when you were born. The main idea here is for parents to save money for their children. I’m going to go over a few tips that I think will be helpful, especially for new parents.

As soon as the child is born, set up a savings account.

Personally I would recommend setting up a high-yielding online savings account. You will earn more interest than if you go to your local brick and mortar bank, where the interest rate may be around .5%. That way, even if you put just a little money in it, it will still earn a really good rate. It will also be convenient for you to transfer money from your checking account at your local bank to the online savings account. Less trips to the bank!

Set up an automatic transfer to go into that account, whether it be from your payroll check, or you set up a Pre-Authorized Transfer with the online institution.

You can make the amount as little or as much as you want. Even $5 a month will add up over time. You won’t miss the money, especially if it is automatically taken out of your paycheck. Also, deposit any checks or money your baby is given into their savings account. Every little bit helps!

Once there is a good amount of money in the account, let’s say, $500, set up a 529 plan.

529 plans can be a great investment for you. You can benefit from significant tax advantages and other benefits. I would contact a financial adviser and get their input on what would work best for you and your family. Now, if there are fees to contribute to the 529 plan, I would keep using that savings account and when you reach a certain limit, make another contribution to the 529 plan.

Set up a Upromise account and link your credit cards, debit cards, and grocery cards.

Upromise is free money. Why not sign up for it? Even if you sign up and then forget about it, you will still be earning money there. Upromise also offers 529 plans if you choose to go that route.

Saving money should be something that is taught to children at a very early age. I know personally as a child I watched how my parents spent money and how frugal they were. I truly believe that is a big factor in why I try so hard to pay off debt, save money, and live within (or under) my means. A good foundation is the key to success!

Buying Undeveloped Land

How to Buy Vacant Land - Important Do's & Don'ts You Need to KnowWhat should you purchase if you wish to invest today? This is the common question of investors. Properties are sold inexpensively today. This is why more investors are looking for properties to purchase. However, the resources to purchase such properties are also limited. This is makes it essential to carefully decide what property to buy.

Among the properties, that most consider investing in is the undeveloped land. There are benefits in purchasing a raw land. One is that there is less to maintain. If there are no establishments on the land, there is nothing to clean, repair or remodel. You do not have to face problems relating to your clients or tenants as well. Since there is nothing there, you do not have to deal with anything at all. You can just choose an undeveloped land, leave it as is for a while and earn from it by selling it in the future.

As mentioned earlier, you have to know what investments to make and when to do it. Now is the best time to invest because properties are inexpensive. You want to purchase the property when the price is low and sell it when the price is high. Aside from the values of the property, you have to be familiar with the factors you need to consider.

It is very important that you consider the location. When investing in any estate, location is very important. To identify the type of location to look for, you have to think of your plans for the land. Do you have plans of building a house there? Once you have a plan of what to do with the property, look for a location that would coincide to your plans.

After choosing a location, you have to prepare the financing for the purchase. Purchasing undeveloped land is more complex than purchasing the conventional type of properties. You need a lender that will provide you with the best terms. Keep in mind that you will need to deal with the mortgage payments for a long time. You need to have an idea of how you will make the payments. Prepare financial blanket as well just in case a problem arise.

You also have to be familiar with the zoning. This is very important because this affects the plans you have for the land. In addition, it also affects everyone in the community especially if you fail to comply with the zoning requirements of the area.

Another consideration you have to keep in mind is the legal issues concerning the property. There are instances when a property has constraints and limitations. It is your responsibility to discover these things. You also have to be certain of the boundaries of the property you want to purchase. See to it that the property you wish to have is indeed the property you intend to buy.

You have to consider several things when you decide to purchase an undeveloped land. First, you have to know when the right time to purchase the property. Next, you have to choose a good location. It is also essential that you know the zoning requirements as well as the constraints involving the land.

Changes in Regulations Governing the Mortgage Broker Market

A considerable amount of a mortgage broker’s salary is based on the commissions they receive for completing a loan transaction.  The market continues to increase in competitiveness, since mortgage brokers now has access to wholesale markets and because of the lower overhead involved with running a brokerage firm.  Access to wholesale markets means a mortgage broker can get loan approvals from some of the largest lending institutions in the country.  A mortgage broker can instantly adjust interest in order to compete with other firms for clients.  Also, they don’t have to follow the fixed profit margins of larger firms and this flexibility has allows mortgage brokers to take over a very large share of the mortgage market.  Lending rates are constantly changing and a mortgage broker will do well to compare the day’s rates before deciding on the best lender for their clients.

On the flip side mortgage brokers face somewhat stricter regulations regarding what they have to disclose.  One example of information that a mortgage broker has to disclose and a bank usually does not necessarily have to is the yield spread premium.  Brokers make money because they set the interest rates of mortgages above the wholesale prices.  The yield spread premium is the money paid to the broker based on how much higher the interest is set above the wholesale rates.  Another even stricter mortgage broker requirement is to provide the customer with a Good Faith Estimate, which outlines in detail all the costs associated with the mortgage.  Since all mortgage brokers must provide their clients with this information it is an excellent way to compare offers between different brokers.

Recently enacted laws regarding mortgage brokering have done much to help consumers.  There are now standards in place that a mortgage broker must comply with when charging a client fees.  To avoid having the mortgage deemed as a “High Cost Mortgage” the mortgage broker must keep the fees charged under a certain threshold.  In every state except California a mortgage broker does not have a fiduciary responsibility, financial liability for giving bad financial advice,  to act in the best interests of their client.  A word to the wise looking to purchase a mortgage outside of California is to shop around.

It is especially important to be extremely cautious with the high occurrence of mortgage fraud reported by the FBI.  If a broker asks you to falsify documents, for example your monthly income, then you need to cut ties with them immediately and report this activity to the authorities.  Another area where a dishonest mortgage broker may seek to defraud a borrower is by refusing to reveal their yield spread premium or some other illegal hidden fee before the deal has been closed.  The federal government is working hard to put an end to these sorts of dishonest mortgage practices and with the help of well-informed consumers these type of predatory lenders can be stopped.  Using the information in this article can help you to choose a reputable mortgage broker to handle your loan.