Pros and Cons of Getting a Hard Money Loan

A Hard Money Loan or private money loan is simply a short-term loan secured by real estateIt is given using the property as a collateral and are funded by private investors (or a fund of investors) as opposed to conventional lenders such as banks or credit unions. 
 
This loan is intended for short-term investors. The terms are usually around 12 months, but the loan term can be extended to longer terms of 2-5 years. The loan requires monthly payments of only interest or interest and some principal with a balloon payment at the end of the term.
 
When banks are not an option or the loan is needed in a short period of time, you can source financing through hard money loan. 
 
A hard money loan, usually taken out for a short time, is a way to raise money quickly, but at a higher cost and lower Loan-To-Value (LTV) ratio. The ideal ratio  is 80% or less. And because hard money loans are not traditionally executed, the funding time frame is reduced immensely. Repayment can lead to default and still result in a profitable transaction for the lender.
Hard Money Loan is ideal for situations such as:
  • Finance Fix and Flips.
  • Land Loans.
  • Construction Loans.
  • When the Buyer has credit issues.
  • When a real estate investor needs to act quickly.
This type of loan is a short-term with higher interest rate, quick to acquire but also quick to be repaid. Nevertheless, getting this type of loan is a good fit for investors who need to get funding for a quick property investment.
Pros:
  • Can be acquired more quickly; you don’t need to have good credit standing to qualify because the loan is based on the property value.
  • More Flexible because every lender has their own set of criteria.
  • Provide tremendous leverage for Fix and Flips Investors to maintain liquidity without putting their own money at risk.
  • Useful as a bridge loan to fund investment while securing longer term Financing.
Cons:
  • It offer higher interest rate due to more risk to the lender. It usually carry an interest rate of 4-10% higher than Traditional loans.
  • Higher risk on both lender and borrower, due to loan higher interest and short-term that can lead to high financial burdens if not entered wisely.
  • Must be paid back quickly in term specified.
  • If you can’t repay the loan, you walk away with “nothing.”
Yes, typically you walk away with nothing if you fail to pay back the loan. Lenders are quick to foreclose. Since the entire property was used as collateral, any portion of the loan amount that was paid back is forfeited. For example, if a business owner paid back $100,000 of a $115,000 loan, the entire $100,000 paid is deemed lost.
 
When considering getting this type of loan, seek lenders with best reputation with fair terms like Associates Home Loan. Closely review the fees, interest rates, and terms. Needless to say, a lender’s proven and trusted loan history will get you a closed deal without the hassle of last minute change of terms.

Steps and Traits on How to Become an Entrepreneur

Transitioning from an Employee to Entrepreneur is a challenging step to take and a hard decision to make. One must be courageous and fearless to be able to start something on their own.

However, if one wishes a  quick and easy way to become a business owner, then getting a \”Franchise\” is the best option. Franchising offers a tested and true business model with proven operational concept with higher success rate but with bigger investment. Mostly, you have  little to no creative control on how to run the business as it needs to be approved by franchiser.

On the other hand, Launching a \”Start-up\” requires a potentially big investment on yourself as you are on your own to take the risk. It requires long hours and a lot of hard work as you venture on the exciting opportunity to start from the ground up.

Start-ups are best  for those who have unique business idea. The learning Curve might be financially costly, so make sure you have enough capital to support the business during its developmental phase.

Choosing Franchise vs. Start-Ups depends on your personal goal and fearless approach to business as you sharpened your craft in Entrepreneurship like what Angela Wei Milk Agency did


A common step of Entrepreneurs is that they have taken the \”Leap of Faith\” having strong conviction with the business idea and took the ultimate risk to putting it into work. Entrepreneurs who wanted to start their faith journey simply started with the following steps and traits:


Steps to become an Entrepreneur:
1. Find the right business for you.
2. Determine if you should get an education.
3. Plan your business.
4. Find your target group/audience.
5. Network.
6. Sell your idea.
7. Market

Traits of a Successful Entrepreneur:

1. Highly Motivated.

Willingness to inspire and grow people and create an influence that generates value and social impact.

2. Creative.
Able to see things in new ways and comes up with out of the box ideas and seek innovative solutions.

3. Persuasive
This requires being reliable, knowledgeable, honest and credible to be able to convince others to change their actions, decisions or opinions.

4. High level vision.
Always keep an eye on the big picture.

5. Versatility.
The ability to quickly adapt to change and shift as needed.

6. Risk Tolerance
Should be open in taking risks that provides room for creativity, innovation and growth.

7. Flexibility
Be able to modify style or approach in response to unpredictable circumstances. Can easily adapt to change as it come.

8. Decisiveness.
The ability to act and decide effectively.

9. Collaborative.
Be an effective Team Player, heavily invested in cultivating strong relationships everywhere.

Also, on the area of planning and marketing strategy one must answer the following core questions to determine whether you can have a successful entrepreneurial venture.

  • For whom do you create value?
  • Will these people pay for that value, or can you monetize the value created?
Now, the final question is, \”Am I  ready and brave enough  to take the leap?\”. 

The Use of AI for Materials Inventory and Data Management

Artificial intelligence for IT operations (AIOps) is an umbrella term for the use of big data analytics, machine learning and other artificial intelligence technologies to automate the identification and resolution of common information technology issues. 
 
The systems, services and applications in a large enterprise produce immense volumes of log and performance data. AIOps uses this data to monitor assets and gain visibility into dependencies without and outside of IT systems.
 
Information Technology plays a major role for a business to save more time and money, helping employees more productive and draws more business. In this case, we can clearly states that IT is not a business plan but rather, it strongly “supports” a business plan.For modern business, having a high quality data is essential for making decisions, help boost lead conversions, and drives success in inventory management.

A data driven-environment’s common data quality issues are poor organization, incorrect and poorly defined data, data inconsistency, and poor data security. Validating and cleaning bad data records equates to costly data cleansing tactics that threatens business efficiency.

When it comes to materials management optimization, obtaining an AI-enabled platform can quickly give a solution in providing inventory visibility and rebalance. It is a promising alternative compared to traditional cleansing methods.

This platform is widely used by businesses that maintain  and operate big data to achieve operational excellence. With the use of  AI platform, it is mostly possible to  ensure efficient operations. Businesses mostly in Maintenance Repair and Operations (MRO) use this platform solution  to keep an on-site inventory of the most commonly used items that can reduce downtime, extra expenditures, and the general stress of restocking. Industries mostly in Automotive, Industrial Equipment, Utilities, CGS, Aerospace, and Electronics, mainly uses this AI platform to optimize inventory management.

Wikipedia’s concise definition of inventory optimization is that “It’s a method of balancing capital investment constraints or objectives and service-level goals over a large assortment of stock-keeping units (SKUs) while taking demand and supply volatility into account.”

Artificial Intelligence is transforming the way we work, live, and collect data and it can help leverage technology in many ways to improve the MRO industry. It’s an effective way to utilize the use of  technology or devices to act smarter than humans.

Here’s the Top 5 substantial Reasons to use MRO Optimization:

1. To help avoid the risk of overpaying and under performing.
2. Effectively determines stock levels.
3. Balance demand and supply.
4. Increase service and safety levels.
5. Provides decision support system.

To be able to compete in dynamics market, relying on data stewardship is necessary to speed and scale a business. At this time, trusting manual process doesn’t makes sense if an organization aims for operational excellence and continually improve the consumer/partner experience.

With the right tools and technology, supported with the right MRO process and best practices, organizations can digitally transform. Leveraging data for more strategic, creative opportunities driving to advanced supply chains forward.

It is important to develop a full understanding of what specific MRO the company needs, to be able to efficiently foresees and monitor the inventory, suppliers, cost and services. To thrive, it is crucial to have positive mindset towards innovation and technology.

Again, with the right tools and with the right kind of help, inventory and performance efficiency can be achieved rather than relying on manual approaches that are prone to error.

Rising from Personal Injury Cases (and worse, Wrongful Deaths)

As you go about your everyday, anything can really happen. You’ve got your usual daily challenges; traffic and car trouble, spilled drinks, bad day at work, the kids or the pets are sick, and so forth. Those can be settled fairly easily or with a high volume of stress. Depends on your approach. But what if you experience something far much worse? It could be a personal injury caused by a lot of things or the worst of them all, it leads to a wrongful death?
When the time comes that you have to deal with these very unfortunate things, being prepared and being informed are at the utmost importance. Getting someone from your area for example, a Tampa Bay Injury Attorney will guide you on your case. The law is different internationally and even by states and getting someone near makes a whole lot of sense.
By the definition, a personal injury case is committed when another party committed negligence that resulted in the incident. This ranges from several seemingly small cases but when evaluated shows it’s true, staggering impact. Car accidents (which are common worldwide), product liabilities/defective products, hospital/care home abuses, and even dog bites are some of the examples that your lawyer can work on in terms of how and what are the scopes that should be covered by the offender.
Expounding further on the case above, your tampa personal injury attorney may include lost wages for your claim should you incur a personal injury that will disable you to go about your daily source of income for the time being. A “dog bite” might be something “harmless” compared to other more severe injuries but depending on the body part bitten and the dog’s vaccine records, it now gets more complicated. Aside from the medical bills, trauma also comes into play as well as missed days of work.
 
Photo by Elijah O\’Donnell on Unsplash

Wrongful Deaths
should be avoided but they have been occurring increasingly alarming over the years. It may happen to you, a co-worker, a family, or just someone across the street and every day you hear it on the news is something that will shake you.
As much as it hurts to read and hear, someone should be held accountable for wrongful deaths even if it means having your attorney squeeze everything possible from the other party. There are no more “on-going medications”, “nursing trauma”, or anything similar to that. It is even ill-advised by nasty, unethical lawyers that they prefer this over personal injuries because the latter can really stretch for a long-time both financially and the period of liability.
Again, if you are prepared and employed a lawyer you know how to rise from this. Burial expenses, wages lost (your potential earnings can be computed for the benefit of your family), and previous medical expenses are definitely covered. What and how you are going to integrate other things that should be paid by the individual/company as mandated by your law should be thoroughly discussed logically and not emotionally.

Fix & Flip Real Estate Investing vs. Wholesaling?

For those unfamiliar with Real Estate strategies, Flipping and Wholesaling have been mistaken as the same thing. But what exactly is the difference between the two?


What is Fix & Flip Real Estate Investing?

→ This is the strategy of buying a house, renovating it and selling it to a valuable gain.

The following are the Pro tips in Flipping the house for maximum profit:

  • Don’t buy house with damaged mechanicals.
  • Inspect the Property Before Making an Offer.
  • Map Out Your Profit Margin Carefully.
  • Plan for Different Potential Exit Strategies.
  • Know Who Your End User is.
  • Select Properties That Can Be Updated Quickly.
  • Reach Out to a Reputable Hard Money Lender.
  • Understand Risk Factors & Come Up With a Plan.
  • Know the Estimated Cost of Your Flip.
  • Build a Good Rehab Team.
  • Price Your Home Correctly
  • Know Which Improvements to Make.
  • Don’t Try to Do Something Too Big.
  • Don’t Make Unnecessary Improvements.
  • Partner With the Seller.
  • Choose the Right Market.
  • Determine How Much Cash You Will Need.
  • Take Care of All the Big Ticket Items & Do the Work Correctly.
  • Update Bathroom Vanities.
  • Add a Few High-end Features to Your Property.
  • Buy the Worst House in the Best Neighborhood You Can Afford.
  • Update the Walls, Ceilings & Floors.
  • Plan Your Renovation Carefully.
  • Study the Local Market.
  • Take the Necessary Real Estate Courses.
  • Do Your Due Diligence When Purchasing a Distressed Property.
  • Leave room for unexpected costs.
  • Work With a Real Estate Agent Who Knows the Local Market.

With all the Pro tips listed above, one must also take advantage using an online platform like Connected Investors review that connects real estate investors to private funding, off-market deals, and other serious real estate investors. By using a Real Estate App, it makes it easier to gain knowledge and network all throughout the Real Estate Community.

Wholesaling?

→ Is when the house is put under contract and sold-as is to an investor.

  • In real estate wholesaling, a wholesaler contracts a home with a seller, then finds an interested party to buy it.
  • The wholesaler contracts the home with a buyer at a higher price than with the seller, and keeps the difference as profit.
  • Real estate wholesalers generally find and contract distressed properties.
  • Unlike flipping, a real estate wholesaler doesn’t do any renovations or additions, and carry no costs.

Looking from each simpler definition, Fix and Flip investing needs a large sum of investment to start of. If you don’t have money to buy the property, pay for utilities, insurance, Attorneys fees, taxes, closing costs, etc… then consider wholesaling.

Although some experienced more success in Flipping, it’s just a matter of finding a good deal that determines what’s the best strategy to take.

Personal Thoughts:

I consider Wholesaling less stressful as it was a direct agreement between the  seller and the buyer. It can be more manageable and profitable after all as one doesn’t have to actually invest. Wholesaling deemed as more beneficial especially when you hit a foreclosed properties wherein sellers can agree to sell below market value rather than affect their financial dynamics like the burden of taxes, mortgage, insurance and upkeep.

Meaningful Insights from Master Data Management Solutions

Data Management is the process of ingesting, storing, organizing and maintaining the data created and collected by an organization. Effective data management is a crucial piece of deploying the IT systems that run business applications and provide analytical information to help drive operational decision-making and strategic planning by corporate executives, business managers and other end users.
 
Strategic planning is vital to growth of every small business because this is an action plan on how to effectively assess the business direction. It is simply a clear vision of where the business at, and where it is going.
 
Financial projections and market analysis were crucial examples on what to include in a business plan. Writing down a business plan includes a layout of ideas, goals and objectives and on how to accomplish it and a path to do that. In this way,  business opportunities and challenges are carefully analyzed. False assumptions can lead to poor decision making that is why it is very important to utilized facts from accurate data to make more informed decisions that will lead to commercial growth.

Finding the right reporting tools and the right data integration platform can ease the burden of getting overwhelmed with a huge amount of information for your data driven decisions.This is where Master Data Management Solutions comes in. Through a wide choice of enterprise MDM solutions. Master Data Management Solutions (“MDM”) is a technology-enabled discipline in which business and Information Technology  work together to ensure the uniformity, accuracy, stewardship, semantic consistency and accountability of the enterprise’s official shared master data assets.

Master data management can be viewed as a “discipline for specialized quality improvement” defined by the policies and procedures put in place by a data governance organization. It has the objective of providing processes for collecting, aggregating, matching, consolidating, quality-assuring, persisting and distributing master data throughout an organization to ensure a common understanding, consistency, accuracy and control, in the ongoing maintenance and application use of that data.
Processes commonly seen in master data management include source identification, data collection, data transformation, normalization, rule administration, error detection and correction, data consolidation, data storage, data distribution, data classification, taxonomy services, item master creation, schema mapping, product codification, data enrichment, hierarchy management, business semantics management and data governance.

Simply put, MDM offers a fast, affordable, and scalable way to build trusted foundation of data across the enterprise. Like that of gartner master data management that offers an easy and affordable solution in a shorter implementation times. This is the best way to get business insights on strengths and weaknesses that can later on optimize sales and profits.

With today\’s technology advances, obtaining data to solve business issues through MDM is a proven and effective way to draw meaningful insights.

Data sources like social media, point of sale, enterprise applications, and more becomes manageable when collected, analyzed, and leveraged in a single view. Thus, it improves decision making and execution in a fast and reliable approach. A big advantage that MDM offers above all is data trustworthiness. It supports business initiatives that can eliminate costly inefficiencies caused by information silos. In this way, duplication of effort, lack of synergy and missed opportunities can be avoided.
Overall,  developing a digital transformation strategy is the best gear to do business in this digital age.

Yahoo and The GEANCO Foundation present global podcast series “STOR14S”

Singapore, June 17, 2020 – Yahoo, part of Verizon Media, and The GEANCO Foundation today announced the launch of “STOR14S,” a new global podcast featuring children’s short stories narrated by a renowned cast of leading actors and influencers. The podcast aims to take families on an adventure that transports them out of their homes to exciting, new places. The 14-part series will premiere on Thursday June 18th, with new episodes airing every Monday and Thursday. Global audiences can listen in on all podcast platforms and visit the official series pages on Yahoo Life and Yahoo Style UK.


“STOR14S” will feature GEANCO ambassadors Rachel Brosnahan (The Marvelous Mrs. Maisel), Benedict Cumberbatch (Doctor Strange), Jeff Daniels (The Newsroom), Chiwetel Ejiofor (12 Years A Slave), Thandie Newton (Westworld), and David Oyelowo (Selma), and more, as they narrate short stories and help raise money for the foundation’s coronavirus relief and emergency aid. The stories were selected through a Yahoo writing competition for the public that was held throughout the COVID-19 pandemic. The winning entries will take listeners on journeys through secret tunnels, mysterious bookshops and fictional African empires, providing light relief and entertainment during a very challenging time for families.

“Focusing on our mental health has never been more urgent, and we hope ‘STOR14S’ will inspire families during this very difficult time,” said Guru Gowrappan, CEO at Verizon Media. “We are committed to continue to use our platform to drive change, bring stories that should be told to life and amplify awareness for voices and organizations like GEANCO, and their efforts that are making a true difference in people\’s lives.\”

GEANCO is donating gloves, face masks, soap, sanitizer and disinfectant to hospitals and maternity centers in Nigeria, and training maternity nurses and traditional birth attendants to prevent the spread of the virus in maternity clinics. The foundation is also donating tablets preloaded with hundreds of books to children quarantined in their villages. All talent fees for the series were donated to GEANCO, with Verizon Media donating commercial inventory for direct display ads to the foundation to raise awareness for the vital work it’s doing across Nigeria along with providing listeners with links to donate to their prevention efforts.

“I am really happy to be lending my voice to this creative effort to support GEANCO’s critically important coronavirus initiatives in Nigeria, through the power of storytelling” said David Oyelowo. “I\’m also delighted that my friends from the entertainment industry have joined me in bringing attention to a continent that is especially vulnerable to the effects of this pandemic.”

“We are honored to partner with Yahoo and our celebrity supporters on such a fun and compelling podcast series” said Afam Onyema, CEO of GEANCO. “STOR14S will empower us to save more lives and educate more vulnerable children in Nigeria.”

The full list of narrators and stories includes:

Jack\’s Dream
June 18
Benedict Cumberbatch
The Emperor\’s Daughter
June 22
David Oyelowo
Mr Oviarty\’s Mysterious Bookshop
June 25
Jeff Daniels
The Diary of Primrose Goldie Gold
June 29
Megalyn Echikunwoke
The Sunshine Cake
July 6
Aldis Hodge
Aargh! There\’s a Monster in my School!
July 2
Russell Brand
Matty Hides in Midgeton
July 9
Chiwetel Ejiofor
The Dog that would be a Prince
July 13
Rachel Brosnahan
Flying Colours
July 16
Edi Gathegi
Polly Tumpkin\’s Pumpkin
July 20
Kobna Holdbrook-Smith
Magic Squirrels
July 23
Thandie Newton
Being Mean
July 27
Sam Adegoke
The Runaways
July 30
Zoe Saldana
Dragons Like Shiny Things
August 3
Lonnie Chavis

The podcast will be available globally on Apple PodcastsSpotify and all other podcasters, and distributed by Acast.

The story writing competition for “STOR14S” derives from a wider commitment from Verizon Media’s focus on mental health and wellness. Last month, Verizon Media announced a $10 million donation in advertising inventory to support mental and public health response efforts to address the novel coronavirus (COVID-19). The inventory is being used to raise awareness and mobilize resources, deepening Verizon Media’s longstanding commitment to supporting the health of the global community at large. Verizon Media will also provide campaign support including creative services and management. Additionally, Verizon Media launched a two part series “Yahoo’s Reset Your Mindset” a virtual event discussing mental health and wellness which brought together newsmakers, athletes, celebrities, medical experts and industry thought leaders including Serena Williams, Shailene Woodley, Hilaria Baldwinm, Emily Baldoni, Kevin Love, Deepak Chopra and more.
About Verizon Media
Verizon Media, a division of Verizon Communications, Inc., houses a trusted media ecosystem of premium brands like Yahoo, TechCrunch and HuffPost to help people stay informed and entertained, communicate and transact, while creating new ways for advertisers and media partners to connect. From XR experiences to advertising and content technology, Verizon Media is an incubator of innovation and is revolutionizing the next generation of content creation in a 5G world.
About the GEANCO Foundation
GEANCO saves and transforms lives in Africa.  It organizes surgical missions and advances maternal and infant health in Nigeria. GEANCO also donates essential resources to schools, and its David Oyelowo Leadership Scholarship for Girls provides comprehensive academic and mental health support to young female victims of terrorism and gender inequality in Nigeria. In March 2020, GEANCO launched emergency medical and educational initiatives to fight the coronavirus pandemic in Nigeria.

Why Choose Crafted Beer over Manufactured?

A craft beer is simply defined as a beer that is made by small, independent brewers or “micro-brewery” and not by big corporations known  as “mega brewery”. It is considered a microbrewery  if it produces limited number of barrels in a year. It is produced in small batches and take pride in using premium ingredients.
So, why choose crafted beer instead of manufactured?
because…

  •  It produces superior and special flavors.
  •  It tickles your taste buds with its rich, distinct taste.
  •  It is made with careful thought of ingredients.
  •  Uses special brewing process.
  •  It offers some important health benefits (with moderate consumption!).
The dedication and creativeness of coming up with a high quality beer is what sets it apart from manufactured. One can easily tells the difference of drinking a fresh craft beer over mass produced.
Many will still choose premium beers over cheaper brands because of its quality, unique flavor and special brewing technique. The goal of micro brewery is to make a strong impressions and provide exceptional beer experience. That is how a micro brewery, Melvin Brewing sums up their line that says “If your beer is not madness, it’s not beer.”
Another important thing is that Craft Beer also offers the following proven Health Benefits:
(again, with moderate consumption of 1-2 drinks per day!)
1. Decreased risk of weight gain among women who drink moderately, compared to those who don’t drink.
 
2. Decreased risk of hypertension.
 
3. Decreased risk of cardiovascular disease, among healthy men, men who have had heart bypass surgery, women and among drinkers with type II diabetes.
 
4. Beer is a rich source of silicon, which plays a role in increasing bone mineral density and may help prevent osteoporosis.
 
5. Decreased risk of heart failure, especially for moderate consumers.
 
6. Consumption of alcohol is associated with lower risk of arthritic conditions and lowers the risk and the severity of rheumatoid arthritis.
 
7. Consumption of alcohol can help lower your cholesterol by raising high-density lipo protein (HDL) levels.
 
8. Decreased risk of diabetes by roughly 40 percent compared to abstainers.
 
9. Decreased risk of Alzheimer’s disease, particularly in female non-smokers
 
10. Decreased risk of poor cognitive function for men and women.
 
11. Decreased risk of osteoporosis by increasing bone mineral density.
 
12. Increases absorption of dietary fiber.
 
13. Hops contain Xanthohumol, which has been found to have significant anti-cancer activity in liver cancer cells and also in colon mucosa.
Truly, micro brewery not only strives to make unique blend of taste but also takes great pride with the brewing process used and its high quality ingredients that  contains antioxidants, protein, and vitamin B complex. In this way, we can enjoy our favorite crafted beer without regrets as it can provide lots of health benefits.
Thanks to scientific research,  we have all the good reasons to be a proud “craft beer drinker” after a hard day from work. It’s a refreshing way to relax and reduce physical and mental fatigue… but please remember to responsibly savor the flavor!

College Financial Aid from Nancy Etz Scholarship

College education is important as it provides the knowledge and skills you need to get better employment opportunity. Needless to say, the value and benefits of earning a degree can open the door of possibilities and wider options for job security.
When you choose to do something that interests you, the earning potential will eventually follow. That is why it is important to consider your interest, skills, values, and personality when choosing the right course.
Finishing a degree is the best investment for yourself that equals to a long term financial gain. Career satisfaction and success to other areas can be attained as you improve your ability to withstand tough times through learning and experience.
Here’s a simple enumeration of why to pursue a degree and higher education:
Top 5 Reasons to Pursue a College Degree
1. Discover your passion.
2. Gain marketable knowledge and skills.
3. Make more money.
4. Find career path and better employment.
5. Personal satisfaction.
Top 5 Reason to Pursue a Higher Education
1. Increase job opportunities.
2. Higher earning potential.
3. Advance personal and professional growth.
4. Acquire higher level of skills.
5. Maintain Competitive edge in the workplace.
Education is all about creating opportunities in life plus the opportunity of earning more is just an added bonus. One\’s accomplishment always  comes with self-satisfaction that makes us confident to grow and to seek more success. The school is where we are designed to raise up curiosity, motivated, and to be well disciplined. Finishing a report, passing the test, completing projects on time, and coping up with stressful situations were only some of the ways on how school put us in a learning situation. In this way, problem-solving skills, ability to work in a team, written communication skills, leadership, and a strong work ethic was established.
Undoubtedly, the school provides a good feeling of coming out of adversity as it prepares us not only  for the work place but for dealing of life’s challenges as well.
But with the increasing cost of attending College, some students fail to pursue their education. However, students can opted for different types and sources of financial aids. There are grant, loans, work-study and scholarships.
Scholarships provides support and encouragement to students in pursuing higher education. Such as, Nancy Etz that awards annual scholarship to those currently enrolled in full-time undergraduate or graduate students in the U.S.
This Academic Scholarship was created to recognize an outstanding student and provide them the resources needed to advance in their disciplines and eventually pursue their dream careers. Get a chance to receive the scholarship award of  $1,000 when you fill up the form together with your 500- word essay that discuss your special attribute or accomplishment that sets you apart. The deadline for application is until February 2021.
This kind of help is a good start to lift high hopes in finishing a degree. The proverb that goes “If there’s a will, there’s a way”  provides a good inspirational message to these students to do something and to find a way to accomplish it regardless of obstacles.

Top 10 Questions to Ask a Rhinoplasty Surgeon

With all those body-positivity and self-love movement that emphasizes embracing our unique and natural beauty, the choice of getting a procedure like a \”Nose Job\” can solicit judgement. However, those negative comments shouldn\’t affect your CHOICE if you really want to do some enhancements with your body or facial features. After all, at the end of the day, it\’s your own decision to make.

People who made the decision to undergo plastic surgery made a serious consideration and have done intensive research with the possible risks before getting a schedule for a consultation. In this way, you can be well-educated and armed with information you need to make a good decision.

A nose job can be done for medical reasons — such as to correct breathing problems related to the nose or correct disfigurement resulting from trauma or birth defectsIt can also be done for cosmetic reasons, which will change the nose\’s shape and appearance.

When talked about nose job, most people would immediately think of Rhinoplasty surgery that improves the appearance of the nose. However,  another lesser known nose surgery is Septoplasty.

A nose job can either be a Rhinoplasty or Septoplasty.

Rhinoplasty – is for cosmetic purposes or aesthetic reasons. This is a surgery on the nose to change its shape or appearance. It will result to aesthetically pleasing nose shape. This procedure is not usually covered by insurance.

Septoplasty – is interior surgery that fixes deviated septum. This procedure repair a crooked septum and improve breathing. Since it uses endonasal techniques inside the nose, there is no change of whatever from the outside or appearance of the nose. This maybe partially or fully covered by insurance.

In the world of aesthetic plastic surgery, Rhinoplasty is commonly performed. If you don\’t go to the right place and  with well-known surgeon, like that of Tampa\’s most trusted, Farrior Facial Plastic Surgery then that\’s the only time that  you can have bad experiences.

This procedure is a permanent enhancement that\’s considered a good investment. In this case, you should not rely solely on cost and better get the most qualified and trusted surgeon to ensure you can get good and positive results.

During consultation, the surgeon evaluate the structure of your nose and other facial features and recommends realistic expectation to get the best appearance of your nose. It is very important to make sure you have the right surgeon for this procedure that can meet your needs and expectations. It is necessary to ask to be clear with your desired result with your potential surgeon.

Here\’s the Top 10 Questions to Ask a Rhinoplasty Surgeon

1. Are you board-certified? Essential factors like experience, skills and certification should be disclosed.

2. Do you perform Rhinoplasty simulation?

3. How many Rhinoplasty procedure do you perform each year? Can you atleast show before and after photos?

4.  Am I a perfect candidate for Rhinoplasty?

5. What is your preferred method or technique? Please discuss the difference between open and closed Rhinoplasty?

6. What results can I expect?

7. What are the risks involve?

8. What is the expected healing time and post-surgery care?

9. What are your policies on revision and the revision rate?

10. Are there any undisclosed charges like post check-ups and other laboratory fees?


Remember to ask more. Ask anything that comes to mind that can help you get comfortable with your decision and will allow you to be well- informed and confident. Be open and honest. Make sure to get the answers on how the procedure will be done from start to finish to get the best results that you deserve.