Latest News Updates

What You Need To Know Before Getting A Car Title Loan

Man handing over car keysAt some point in people’s lives, there may come a time when they would need to spend a certain amount of money, money which unfortunately they don’t have on hand. A medical emergency perhaps, or major house repairs that aren’t covered by their savings.

When this happens, one option for getting the money needed is to turn to cash loan service providers like Utah Money Center. In Salt Lake City, there are different kinds of loans available for those who need to borrow money fast. One of these is a car title loan, which is a small and short-term loan in which the title on a vehicle is used as collateral.

Here’s everything you need to know about a car title loan and when it’s ideal to apply for one.

How does it work?

Borrowers need to pledge their vehicle as loan collateral by giving the vehicle’s title to the lender until the loan is repaid in full. In order for you to borrow against your car, you need equity in it. In most cases, borrowers need to own the vehicle free and clear (with a clear title to show for it), but there are cases when lenders approve loan applications even if borrowers are still paying off a standard purchase loan.

How much can you borrow?

The loan amount is based on the car’s value or the equity in it. In general, the greater the car’s value, the bigger the amount that you can borrow. However, the full value of a car is rarely given because the higher the amount lent, the more difficult it will be for borrowers to pay it back. Lenders may give only the amount that they can get for the car if they have to repossess and sell (it if the borrower is unable to repay the loan).

What is the usual loan period?

Car title loans are often due for complete repayment within 30 days. In cases where borrowers are unable to repay within that period, they can extend repayment by rolling over the loan. This means they get a new 30-day loan, but they would have to pay new loan fees and additional interest.

What do you need to apply?

Applying for a car title loan requires you to complete a loan application, after which you will need to present your car, a photo ID, proof of insurance, and the clear title. You may also be required to provide duplicates of your car keys.

When applying for a car title loan, make sure you review the loan terms. Ask the lender to tell you the total cost of the loan as well as the annual percentage rate or APR. Lastly, borrow only what you can repay in full by the date the loan is due so that you avoid paying for a loan rollover or worse, losing your car.

February 9, 2018 at 7:53 amFinance

Report: Construction Spending hits Record Amount in Southwestern Utah

Two engineers planningConstruction spending in Southwestern Utah, including for industrial supplies online or offline, reached a record amount in 2017, according to an NAI Excel report.

The report based its analysis on residential and commercial construction projects such as houses, hotels, offices and retail buildings.

Slow Recovery

NAI managing director Neil Walter described the record-high construction spending in Southwestern Utah as a “slow moving” expansion since 2010. Aside from building activity, the level of spending has been beneficial to the real estate market as well.

Property prices have climbed, while vacancy rates for residential and commercial buildings have remained at favorable numbers. Multifamily vacancies, for instance, have stayed below 1%. The declining vacancy rate also led to the expected addition of around 900 more housing units in 2018. Another benefit of the high construction spending involves jobs. The Department of Workforce Services expects the creation of more jobs this year, due to a positive outlook of most construction firms on the strength of the construction sector in the state and nationwide.

Construction Outlook

A majority of the construction firms in the U.S. expect higher demand for all services in 2018, according to Stephen Sandherr, Associated General Contractors of America (AGC) CEO. For this reason, these companies intend to hire more people to meet the projected growth in demand.

The AGC and Sage Construction and Real Estate’s survey showed that 75% of the respondents plan to expand their workforce this year. American contractors believe that the private office market will account for most of their projects. Transportation- and retail-related construction projects ranked next to their list, followed by water and sewer infrastructure.

Conclusion

A record-high increase in construction spending arguably benefits economic and job growth, as well as provide business to enterprises that depend on building projects. Where do you intend to launch your next project this year?

February 8, 2018 at 9:00 amDirections

Taking Care of Loved Ones with Alzheimer’s

A man with alzheimer'sAlzheimer’s disease is a serious problem that affects the elderly all over the world. The illness causes changes in the brain, which result in loss of memory and impairment of other mental faculties.

It usually begins with memory loss and progresses to affect the patient’s reasoning ability, decision-making, judgment and other day-to-day activities.

Consistent Care and Monitoring

Without proper guidance and care from loved ones or caregivers, patients who have this condition will find it difficult to survive. Across America, facilities have been set up where the elderly can receive the best Alzheimer’s and dementia care.

The place has caregivers, medical staff, therapists as well as experts who are trained and equipped to handle the challenges of watching over a patient with this condition. At the early stages, it is still possible for family members to take care of their parent or loved with Alzheimer’s or Dementia.

Incidentally, the two conditions are not the same. Alzheimer’s is a form of Dementia, and the situation can worsen to become full-blown where the patient is no longer able to function by himself. Dementia may be caused by severe head or injury or even a stroke.

And while there are now brain scans that allow doctors to track the early onset of Alzheimer’s, the technology is not yet able to predict who will develop it down the road.

Preparing for the Worst Case Scenario

Brain scans of an Alzheimer's patientOf course, if your family has a history of Alzheimer’s disease, there is an increased risk that you will also be developing it. In this case, it’s better to equip your family members with the basic knowledge and emotional understanding needed when caring for an Alzheimer’s patient at home.

Your doctor can give you more tips and prepare a checklist for the things you need to make your loved one with Alzheimer’s or Dementia more comfortable at home. There are also exercises to help them stay active and alert through the day.

However, experts do advise that when the condition worsens, the patient may need admission to a care facility that can monitor and care for them round the clock.

Some people may consider this the worst case scenario, but it may be in your loved one’s best interest to be checked in to a facility that is better equipped to handle their needs.

February 5, 2018 at 2:41 pmHealth & Lifestyle

4 Ways to Make Sure Your Boat is Safe from Thieves

Boatshed on the River in blue houseThese days, nothing is safe from thieves. Even the boat that you thought was something thieves will not dare rob is already in danger. This is why it is important for boat owners to make sure that their boat is not going to be the next victim of any theft attempts.

The following are ways to improve the safety of your boat from thieves.

Cover boat properly

One of the most basic rules for preventing theft is concealment. When they are not able to see your interiors of your boat, they are less likely to pay mind to it. This is why bass tracker covers are very important tools to prevent theft.

Apart from this, it also protects your boat from getting destroyed by extreme weather conditions.

Do not keep valuables in the boat

Do not risk getting your valuable documents or possessions from being stolen. Get them and store them in a safer environment instead so that you will not have to deal with them later on.

Use a trailer lock

If you are parking your boat in a pier or a dock, it may be best to use a trailer lock so that it will be difficult to move it. This is already a step in the right direction against losing the boat.

Install boat alarms

Houses and cars are not the only ones that have security alarms. Boats are now also equipped with alarms that can help in preventing the boat from being stolen. Make sure to choose one that is easy to use and has customized reliability that fits its context.

Sure, no one can really say that their boat is 100-percent safe from whoever is planning to rob it. But, at least, these steps can do a lot in making it difficult for them to take anything that is yours.

February 1, 2018 at 9:59 amDirect Service

How Fatigue is Making Your Hard Workers Sick

Workers in full safety gearAs a responsible employer, you want to make sure that your people are always safe and secure in the workplace. This doesn’t just have to do with satisfying the rigorous work safety laws set forth by the Australian Government; it is also more simply an ethical manner. Understanding the many different risks of workplace hazards is key to keeping your people safe and happy to continue working for you. And of course, it plays a vital role in maintaining a high level of productivity.

One of the potential dangers that you should never overlook is fatigue. Knowing more about its causes will help you prevent such hazards, as AMCO explains.

Defining fatigue

Fatigue, at its core, is the state of extreme exhaustion, tiredness, sleepiness, and weariness. It can result from some factors, particularly lack of sleep. However, just as a big contributor to this state is a lengthy period of mental and physical activity, as well as elevated emotions of stress and anxiety.

At the workplace, repetitive tasks can amplify someone’s feelings of fatigue, which their usual routine and lack of sleep have already caused.

How fatigue impacts a person

There are many ways that fatigue can affect a person’s personal and professional life. At work, this condition typically exhibits its consequences in the form of inability to make proper decisions and carry out complex tasks. It also hinders communication skills, minimizes productivity and thus, performance; causes inattention and loss of focus; causes delays in reaction time; and even aggravates already elevated stress levels.

In the long run, fatigue can already put a huge toll on a person’s health and overall well-being, giving rise to major concerns such as depression.

Catching fatigue before it worsens

There are some ways to keep the workplace free of fatigue-inducing elements, including the use of ergonomic products designed to combat this state in the first place. A good example is anti-fatigue matting.

These products, combined with employee knowledge of how to quickly spot symptoms of fatigue, can make all the difference in the overall safety at the workplace.

January 25, 2018 at 10:45 amDirect Service

What You Should Know Before Taking the CompTIA Security+ Test

Man working in ITThe United States boasts of having an advanced and innovative Information Technology sector. With millions of available jobs and higher than average salary packages, it’s easy to see why more people are looking to build a career in this industry.

This means more chances for you to have a successful and lucrative career. However, it also means the competition is extremely tight, with millions of other IT professionals wanting the same job as you do.

Gaining an advantage over other IT professionals

With such a massive crowd to compete with, you want to make sure you enter the job market more prepared than the others. One way to make your curriculum vitae stand out is to indicate that you have a CompTIA Security+ certificate. This certificate indicates that you have the right skills, knowledge, and training when it comes to IT security.

The requirements

To obtain this certificate, you would have to pass the exam that tests various areas of your IT knowledge. It covers security measures for maintaining confidentiality, integrity, and availability of data and IT infrastructures. It also includes validating your skills in risk identification and mitigation, as well as operational security, among many others.

Preparing for the certification

That said, you can already tell how complex and complicated the test is. But you will only find it difficult if you don’t prepare properly. As early as now, you should test your own skills and knowledge by taking a CompTIA Security+ practice test. Doing so can increase your chances of passing the actual exam, which is a priority since you want to get ahead of the competition.

While practice tests don’t put the exact questions that you’ll find on the actual exam, it will still give you a feel of what to expect. So, practice as soon as you can and gain the edge you need.

January 23, 2018 at 7:47 amInfo Tech

4 Reasons to Opt for a Mortgage

a couple looking at their new houseDo you happen to be among the elite with cash enough to buy property up front? If not, then you will be better off getting your newest asset financed by a bank. Learn the many advantages of using a mortgage to secure a house, a car or a business.

1. You do not have to be liquid.

If you have enough cash to get yourself your dream house, you can always aspire for one through a home loan in Portland.

You need not pay in full to acquire the property all because the bank will take care of the payment. All you have to do is comply with the requirements to get approved by the banker. Next thing you know, your loan is good to go.

2. You decide on the payment terms.

While it will be beneficial for you to pay the mortgage in a short period, you have the freedom to choose not to do so.

You could prefer to pay the loan amount for a longer period in case you do not have the right amount of cash. Besides, the bank will be earning more interests should you decide to stretch the period of payment.

3. You got different payment options.

What’s interesting about mortgages is that you have several options when it comes to payment. There’s the so-called monthly amortization that ideally covers part of the principal and the interest.

In some cases, you could opt to pay the interest alone every month and pay the principal in full on or before the entire obligation matures.

4. You get to secure competitive rates.

When you go for a home loan, you can anticipate competitive interest rates. You might want to check out the existing rate and see the trend whether it is wise for you to buy a property at the moment.

A lower rate would signal a good time to buy, while a higher rate would tell you to defer the purchase somehow.

With a mortgage on hand, you don’t have to pay your property in cash up front. Plus, you get to enjoy yourself with several options.

January 17, 2018 at 10:57 amFinance

3 Biggest Benefits of an Accounts Receivable Loan

Approved Loan ApplicationEvery business needs to grow to succeed in today’s competitive field. To that end, many rely on financing options to expand. Traditional micro-business financing, however, has proven to be beyond the reach of small business owners. One popular option that these owners can turn to is accounts receivable financing.

At its core, it’s the selling of receivables at a lower price to a financing company, which then assumes the risks of these receivables. In turn, it issues your business the much-needed cash to help it grow. Here are the advantages of this type of loan:

No collateral needed

Unlike other loan types that require collateral to secure, this type of loan doesn’t need that. That is of a distinct advantage for small business owners who might not have enough in terms of possessions to put up as collateral. Plus, it’s also good that you don’t have that much in the way of risk—perfect for having a little bit of peace of mind while focusing on actually growing your business.

Ownership retention

One of the most attractive benefits of accounts receivable financing is that you don’t have to give up a portion of your business to secure your loan. One problem with other types of unsecured loans is that they might not ask for collateral but might request for a percentage of your company in return. It’s already assumed that the financing company will take on the risk of your receivables.

Quicker cash flows

Finally, this type of loan actually nets you soluble funds quicker. That’s because you essentially monetize your receivables without needing to move it yourself. That becomes the burden of the financing company. This ultimately means that cash flows in more quickly that you can readily use to grow your business in any way you deem necessary.

If you’re a business owner looking for an effective and easy way to gain cash, a loan from your accounts receivable is the way to go.

January 17, 2018 at 2:20 amFinance

Top 3 Factors to Consider When Buying Concrete Patch Repair Products

A concrete patch repairNearly every decision to purchase concrete patch repair products or any other on-site construction tools, equipment or materials hinges on how much you have allocated for that in your budget quotation. When addressing this factor, it is advisable that you determine which specific products you will need in your construction project, and compile a comprehensive list of what you plan to purchase in their order of priority.

Doing so will help you avoid buying an on-site essential that you would have found a cheaper tool to accomplish the very same activity, or leaving out one that is of higher importance for one that is of a lower priority.

Quality

Ideally, it is of critical importance that you consider the consistency in the grade of the concreting products that you are purchasing since it will determine for how long these tools, equipment and materials will serve you. It is here that you will also have to consider which manufacturer’s products will give you the highest quality of concreting work.

The Supplier’s Reputation

As a primary rule, it is equally crucial that you also consider how reputable the supplier is, of the particular products that you plan to purchase. That will require you to determine how s/he fares among all her clients, more so, the most recent ones.

You can arrange to call some of these customers to get first-hand information on the quality of services that the supplier offered them. If you do not have any means to contact his clients, you can consider checking her online customer reviews.

These three factors do not make a conclusive list of issues that you must consider when choosing your concrete patch repair products. But, sure enough, they will make for a handy guide. So, highly consider these three first, before making your next purchase.

January 10, 2018 at 1:36 pmDirections

The Role of Hay Rakes: What Do these Contraptions Contribute Exactly?

Woman sitting in hayDealers often encounter users who are unsure which rake best produces high-quality hay. If money was not an issue, they would probably suggest three kinds of hay rakes for sale to get the ideal one.

If they only want to merge two windrows and transport them in the minimum amount of distance, then a centre delivery great would be ideal. On the other hand, a tandem side-delivery rotary rake for tedded-out or light crop will place several windrows together for baling. However, there will be times when they simply want to roll the windrow, so a single rotary rake would be best. Therefore, they would have to use three different types depending on the need.

One thing is for sure: Hay rakes play a crucial part in generating quality forage that has a high nutritional value. The problem is there are times when the raking step is taken for granted during the manufacturing process. Nevertheless, the way the rake controls the hay will have an effect on the quality of forage and efficiency.

R.T. Schuler and K.J. Shinners wrote a report entitled “Equipment to Rake and Merge Hay and Forage.” It revealed that rakes are used for one or more of four functions:

  • To reverse the crop to let wet hay on the lowermost of the swath get more exposure to wind and sun.
  • To move the swath from wet to dry ground.
  • To combine swaths together to equal the windrow thickness with baler or harvester capacity.
  • To slim down the swath into a windrow slim enough to meet the width of the baler or harvester pick-up.

For instance, North America has three different kinds of hay that they commonly use for forage and hay operations. These consist of basket rakes or parallel bar, wheel rakes, and rotary rakes.

Knowing what rake to use can affect the outcome you want, in a good or bad way. This is why it’s best to stay informed.

January 9, 2018 at 9:02 pmStraight Market