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meditation

Four tips on how to center your mind and self

net888 November 9, 2018

Meditation and mindfulness can help focus your mind and being by looking at four main areas as listed below. Anticipating stress Meditation is regarded as the opposite of stress; instead, it is a form of pure peace and surrender. Stress is interrelated with resistance. Each one of us tends to resist circumstances, feelings, events and […]

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meditation

Four tips on how to center your mind and self

net888 November 9, 2018

Meditation and mindfulness can help focus your mind and being by looking at four main areas as listed below. Anticipating stress Meditation is regarded as the opposite of stress; instead, it is a form of pure peace and surrender. Stress is interrelated with resistance. Each one of us tends to resist circumstances, feelings, events and […]

Why no doc commercial loans are growing in popularity

net888 November 3, 2018

There are plenty of Australians out there who have now heard about no doc commercial loans. They may know a family member, friend, or co-worker who has implemented one and will be curious to know why this kind of service has grown in popularity over the last few years. There are many reasons for this, […]

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Four tips on how to center your mind and self

meditation

Meditation and mindfulness can help focus your mind and being by looking at four main areas as listed below.

Anticipating stress

Meditation is regarded as the opposite of stress; instead, it is a form of pure peace and surrender. Stress is interrelated with resistance. Each one of us tends to resist circumstances, feelings, events and things we do not like and leads to the formation of a lot of stress. Meditation helps deal with this as it is about acceptance and learning how to be okay with everything.  Regular meditation helps one identify sources of stress and helps stop resisting life on many levels.

 

Diffusing internal drama

Unnecessary internal emotional drama can take a toll on you leading to rising of various emotions such as rage, fear, depression, anxiety, etc. The underlying side effect of drama left untreated is that it will divert your focus, resolve and personal power. All of these displaced factors can be put back into control with the help of mindfulness. Along with mindfulness, meditation is needed. Meditation helps objectify patterns of thought and rumination.

The power of relaxation

The underlying yet best aspect of relaxation is the fact that it is relatively simple and powerful mindfulness technique which is capable of restoring your sense of balance and equilibrium. Moreover, it can be done anywhere and anytime. Consistent meditation will sprout a natural sense of confidence out of deep ease. That specific state is your natural state which is relaxed, possessed and thoroughly grounded in yourself. By focusing on relaxing, you can bring yourself back to center. Conscious relaxation can be performed by even simple tasks such as taking deep breaths and letting the stress and tension melt from the body. A few minutes of such conscious relaxation can change your whole day, so do not underestimate it.

Staying grounded and centered

Meditation and mindfulness are essential tools for learning how to stay focused in mind and being. The practice of mindfulness helps reclaim your center and realize at the deepest level the fact that we are all alone and only we can determine what we let into the mind and pattern of thoughts to listen to. Meditation is all about being truly and profoundly alone. But it is considered as the most nourishing aloneness one can imagine. It generates and restores, it gives and does not take, and it grounds you in the here and now.

 

 

Why no doc commercial loans are growing in popularity

There are plenty of Australians out there who have now heard about no doc commercial loans. They may know a family member, friend, or co-worker who has implemented one and will be curious to know why this kind of service has grown in popularity over the last few years. There are many reasons for this, but usually it is because people don’t meet the requirements in order to get a line a credit from a main banking institution.

This can put many people in a very awkward position, especially when they are trying to do something good and proactive in their lives. Furthermore, many people will feel a bit dejected and defeated when they are rejected from a bank as not only will they feel like they aren’t a valued customer, but this rejection will usually show up as a black mark on their credit file. This will make it even harder for them to get a line of credit and it just ends up being a vicious cycle. As this is the case, there are many private lenders out there who are able to help with no doc commercial loans. This means that good people are still able to get a line of credit without having to jump through all of the hoops that are required by main banks.

No doc commercial loans are great for those who are in a hurry

While most business owners out there will understand that it is usually best to wait to take action, there can be times where people need to act fast in order to get themselves a good deal or in order to make more money in the future. As this is the case, sometimes people don’t have the time to jump through the hoops that are required by many banks and lenders out there.

 

It can sometimes take weeks of back and forth to get everything organised which sometimes people simply don’t have. As this can be the case, it can be very beneficial for people to explore the service that is no doc commercial loans.

No doc commercial loans are great options for those who have worked for themselves for many years

Another prominent reason why no doc commercial loans are growing in popularity is because many people out there work for themselves. Some will have gone straight from high-school or university to working at a sub-contractor or a sole-trader or may have even started their own business. This usually means that there isn’t a set wage and while this won’t affect what someone earns in a year, this can still be a negative attribute in the eyes of a bank.

A bank will want to see weekly, fortnightly, or monthly payments from an employer as well as payslips and bank balances. Someone who works for themselves will be able to provide all of these things, however, the amount earned may vary depending on what sales are like for that week, fortnight, or month. As this is the case, many banks will turn someone down for a line of credit, even when they are just as likely to pay back the money as someone who works a regular 9-5 job.

When this is the case, people are able to instead opt for no doc commercial loans where they are still able to get their line of credit and are treated like a valued customer at the same time. For all of these reasons and more, it is likely that this type of service will continue to rise in popularity for years to come.

Fascinating facts about the U.S Supreme Court

court

Marshall is only one among the two justices to appear on U.S currency

Justice Marshall was seen to appear on the $500 bill while justice Salmon P. Chase appeared on the $10,000 bill. Unfortunately, none of these bills are in circulation today.

The court didn’t have a fully functional home until 1935

Before the Civil War, the court was displaced and seen in various locations and where it was housed under the Old Senate Chamber from the year 1861 to 1935. Unfortunately, the chamber was not sufficiently spacious. It was deprived of adequate space that the judges had to eat lunch in their robing room. It was Chief Justice William Howard Taft who led the drive for a Supreme Court Building.

 

Taft was the single and only president who sat on the court

Unfortunately, Taft died before the new Supreme Court building was opened, and he is the only president who later became a Justice.

The Justices did ride the circuit and heard cases around the country

This requirement meant that Justices of the Supreme Court were mandated to preside at least once a year over the circuit courts strategically placed throughout the nation. This requirement wasn’t lifted until 1891.

There have been 17 Chief Justices and as a result, 17 courts

Historians of the Supreme Court categorize eras in court history by the name of the Chief Justice presiding over the bench and its sessions. Robert Court is the 17th on the books while Jay Court was the first.

 

The second chief justice lasted a few months on the job

Justice John Rutledge was a recess appointment to the court in 1795, to replace John Jay when Rutledge criticized the Congress in a public speech, as a result of that, a few months later his nominations for a permanent seat in the bench was rejected by the Senate.

There was a Supreme Court Justice who was born in Turkey

Justice David J. Brewer hailed from a family of missionaries and was born in the Ottoman Republic in 1837. He had later become a Supreme court Justice and served on the bench.

There was a Justice’s grandson on the court

Legendary Justice John Marshall Harlan had served the court from 1877 to 1911. Later his grandson, Justice John Marshall Harlan II had served the court from 1955 to 1971.

Two Justices took their oath on the same day

January 7 of 1972 saw Lewis F. Powell Jr. and William H. Rehnquist being sworn in on the same day during a special sitting of the court. Seniority is determined by age when two Justices join the court on the same day.

Seven future Supreme Court Justices clerked at the Supreme Court

William H. Rehnquist, Byron R. White, John Paul Stevens, Stephen G. Breyer, John G. Roberts, Elena Kagan, and Neil Gorsuch all served as clerks before becoming later Supreme Court Justices.

 

 

How bad is beer for your diet?

beer

Consuming beer once in a while will not ruin your diet, but regularly overindulging in beer can lead to weight gain from drinking too much beer. Excessive beer intake not only increases your weight but increase your chance of health problems. The Center for Disease Control and Prevention recommend drinking no more than the moderate amount which is two drinks for men and one drink for women.

Calorie content

Since beer does not provide you with any significant amount of vitamins and minerals, it is a source of empty calories. Alcohol is high in calories and offers seven calories for each gram. Different types of beer provide different amounts of calories. Light beer has an estimate of 105 calories per serving while lagers being the next lowest in calorie count with 120. Regular beer has around 145 calories per 12 ounces serving on an average whereas stout beer is the highest in calorie count with an estimate of 190 calories per serving.  The number of calories can be added by repetitive drinking and leaving you with additional pounds of weight gain.

Beer and weight gain

Researches indicate that consuming beer in moderate amounts during a month showed a negligible or minuscule increase in weight. Studies have indicated that there is a direct relationship between weight gain and drinking beer. Those individuals who consume more than 34 ounces of beer per day were more susceptible to high chances of weight gain as compared to those who drink very little or no beer.

beer

Beer and abdominal obesity

Research studies have displayed a mixed set of results on the issue of whether beer increases abdominal obesity. Despite this, definite conclusions indicated that consuming more than 17 ounces of beer per day can make you more prone to gain weight in the abdominal region.  Abdominal obesity is no joke, as it is associated with more health risks and conditions than any other type of obesity, potentially enhancing your risk of suffering heart disease and type two diabetes, as concluded by the American Cancer Society.

Alcohol health risks

Consuming any alcohol too much can have severe consequences. Excessive drinking in one sitting also known as binge drinking and it increases your risk of suffering from violent behaviors, accidents, participating in risky activities or actions and alcohol poisoning. Long-term excessive alcohol abuse can elevate your risk of heart problems, cancer, depression, and neurological issues as issued by the CDC.

 

 

 

Simple budgeting tips

money

Be simple and specific

Do not just aim to achieve a budget for the sake of it, instead start with a goal as it is one of the biggest powerful budgeting tips. Establish end goals of budgeting such as accomplishment of retirement accounts, saving for down payment on a house or accumulating funds for children’s college fund.

Estimate intelligently

Everyone wants to gain control of their respective cash inflows and outflows. In order to achieve this, you are required to maintain a close watch on all your monthly incomes and spending for several months.

Budget more efficiently with a spreadsheet

You can keep track of your budget through various methods such as noting down your monthly expenses and expectant savings in a notebook. But if you are a bit tech savvy, try using a spreadsheet. Availing spreadsheet method is an efficient method as it permits you to play around with numbers while being capable of seeing what happens if you cut back and add some money. Despite general misconceptions, it is relatively easy to make change and adjustments to a spreadsheet.

 

Be creative in seeking ways to save more and spend less

It is not necessary you need to cut back on your spending simply. For example, if you have received a tax refund, you can divert that accumulated amount to a savings or retirement account. This method is ideally applicable in the case of receiving a bonus or raise at work. Try working on a temporary or long-term side job to establish additional funds.

Use plastic to improve your financial condition

Do not assume all budgeting tips restrict the use of credit cards. As long as you are not falling into a debt trap, credit cards can be helpful if you regularly charge a lot to your credit card. Availing credit cards offer generous cash back rewards.

Make it automatic

Many financial techniques today are automated, reducing the chance you will find yourself with money in hand susceptible to spending. Instead, automation allows you to directly have the deposited funds diverted into a savings or retirement account. If you find it difficult not to spend all the money that arrives in your paycheck, consider changing your tax withholdings at work to allow a more substantial amount to be withheld. This will enable you to have larger refunds and giving you a savings installment.

finance

Use budgeting to make your relationship stronger

This is considered as one of the surprising budgeting tips as maintaining your finances under control can enhance your marriage and partnership if and when money has been the leading causes of fights and arguments.

 

 

What are the interest rates on no doc commercial loans?

There are many Australians out there who will find themselves in the position where they are unable to get a line of credit from a traditional bank. There can be many reasons for this but thankfully, people are now able to look into other options. This is because people shouldn’t have to miss out just because they don’t meet a certain criteria, especially when they are more than capable to pay back any money that they borrow. Furthermore, it can be imperative for many people to look into other options when they need to move fast on a deal that may not arise again in the future. As this is the case, many people look into an alternative that is known as no doc commercial loans. This is a line of credit that is borrowed from a private financial company rather than a bank. One of the best parts about going down this route is that people are able to feel like valued customers once again, instead of feeling like they are some kind of criminal when they visit a bank. While there are many benefits to this method, many will be curious to know about the associated interest rates. As this is such an important topic, this article will look into this further.

The interest rates on no doc commercial loans will vary depending on the time period chosen

Something that is unique to no doc commercial loans is that people are able to obtain a line of credit and pay it back over a much faster time period. This can be handy for those who expect to make their money back very quickly and so won’t need something that spans over 5 or 7-years. When this is the case, the person at hand is able to choose the length of their credit repayments which may increase their interest rates. This means that people can get access to quick and easy money and are able to pay it back over 12 or even 6-months. It is important to know that borrowing from a private lender will usually already have higher interest rates than usual and that these rates may go up again when someone chooses a short time period. Having said this, most people who are financially savvy and who know exactly what is going on with their money in the future, it still may be beneficially to go down this route even with the higher rates.

No doc commercial loans are generally 3-4% higher than a regular line of credit

While each lender will be slightly different, people can expect to pay approximately 3-4% higher interest than on a normal bank line of credit. This is because they are able to borrow money when they may not have all of the necessary paper work that a bank would require or because they have a bad credit rating. Whatever the case may be, people are usually more than happy to pay this rate as they are able to obtain the finance that they need. People do need to be aware, however, that there may be an early exit fee is someone decides to pay out the remainder of their loan early. As this is the case, people need to ask these kinds of questions before they make an application so that there are no nasty surprises in the long run. At the end of the day, each company will be slightly different and interest rates will also differ depending on circumstances. As this is the case, it is always better to check with the lender.

Top 5 upcoming 5G smartphones in 2019

network

5G is known as the fifth generation of network connectivity. Companies and several network carriers are currently testing the software aspect whereas the hardware aspect of the technology is expected to be fully equipped and ready to be used on many smartphones by the first quarter or half of 2019. Big names in the industry have confirmed the launch of 5G smartphones in the first half of 2019.

Samsung Galaxy S10

This device will be the first 5G smartphone released from Samsung and successor of the Galaxy S9 and 10th-anniversary flagship from Samsung’s Galaxy S series.  Beside from the apparent 5G compatibility, the S10 is rumored to use Ultrasonic in-display fingerprint sensor and variants of the device coming in the ceramic back covering.

smartphone

One plus 7 and OnePlus 7T

OnePlus is another OEM or original equipment manufacturer whose executives have promised and made comments of an upcoming 5G smartphone. The Chief Executive Officer of the company has confirmed that the firm has a 5G phone in development with Qualcomm. Although there is no established timeframe for the release, we can expect the OnePlus 7 and OnePlus 7T to be released around the exact time; the company launches its annual flagships.

Xiaomi Mi Mix 3 (5G)

The Xiaomi Mi Mix 3 as already been officially released as the Chinese company’s flagship model for 2018. There are hinted rumors of the company intending to release a new 5G ready variant in the early phase of 2019. The 5G models of Xiaomi Mi Mix 3 will use Qualcomm’s latest Snapdragon 855 CPU and Snapdragon X50 modem with an impressive on paper maximum download speed of 2Gbps.

 

Huawei 2019 (5G) Phones

Senior executives of the company of Huawei have confirmed releases of a 5G ready smartphone in the market of 2019. However, there has not been any confirmation as to which device is going to be released. The senior company executive has stated that if the company does not launch its first 5G smartphone by the first half of 2019 with the Huawei P30, then the network technology will be ready for the Huawei Mate 30 which is to be released in the second part of 2019.

Oppo 5G phone

Oppo has been rumored of developing a 5G compatible smartphone to be released in 2019. The Chinese smartphone maker has already tested a modified unit of its Oppo R15 smartphone with 5G technology this year and which has been a total success. Moreover, the company has already tested and demoed the world’s first, 5G video call. These are all strong indications that the company has something hidden up its sleeves for 2019.

 

 

 

 

No Doc Loans: FAQ’s Answered

Applying for any form of finance can be a complicated and confusing process, full of supplying documents and signing forms. It’s no stretch to say that it can be a complete nightmare, and that is providing you have all the necessary paperwork! But what if you don’t tick all of the ridiculous boxes lenders require you to? More often that not, it means you’ll be unable to even start applying for the money, regardless of whether you know you can meet the repayments. For anyone self employed or with a variable income, it can be such a struggle. What may surprise you is that there are other options, ones that you will meet the eligibility criteria for. Self employed people, meet no doc loans. This type of finance isn’t hugely advertised, so it’s no surprise that you haven’t heard of it. So keep reading to find out everything you need to know about no doc loans.

 

What Are They?

Anything finance or banking related sounds intimidating and complex, but most of the time it really isn’t. No doc loans are no different; in simple terms this is a funding option that doesn’t require the potential borrower to provide the lender with any documentation of their income.

 

What Can I Get One for?

This type of loan is generally quite similar to any other finance option, and you can get one for a range of different purposes. Many people considering a no doc loan are business owners, so you are able to get funding to expand your business. As well as this, you are also able to use this for refinancing or debt consolidation. But, the best part is that you are able to use this form of finance to purchase a house.

 

How Much Can I Borrow?

The amount you can borrow really depends on the reason for the finance, what financial institution you choose and your credit rating. In most cases the lender is unlikely to give you more than $1,000,000. In terms of mortgages, many lenders will allow you to borrow up to 80% of the property value for a residential building, or up to 65% of the value for a commercial building.

 

What Are the Interest Rates?

As with any type of finance, interest rates will vary depending on the type of lender you use, how much you are borrowing and your credit history. However, no doc loans are usually a short term finance option, meaning the interest rate will increase after a few years. This form of credit is also considered as ‘rate for risk’, essentially, the higher risk you are to the lender, the larger your interest rate will be. Generally speaking, interest rates range from about 7%p.a to 11% p.a.

 

Can I Still Get the same Mortgage Options?

Despite the interest rate being slightly higher, you are usually able to get the same mortgage features as you would with a standard mortgage. This means you will have access to features such as: fixed interest rates, variable interest rates, line of credit, redraw facility, 100% offset account and salary crediting. So, just because you don’t need to provide proof of income when you apply, it shouldn’t usually impact the rest of the process. You will usually still be given the same options and will have the opportunity to choose the best repayment method and interest system to suit you.

 

How Can I Get One?

Many of the major banks and lenders in Australia no longer offer no doc loans, however, this isn’t to say it is impossible to get one. There are plenty of other options, such as smaller, specialist non-banks or private lenders. Although if you opt to borrow from a private lender, be very careful as they are not all reputable. If you are considering this type of finance, it is best to speak to a financial adviser or broker. An expert will be able to make sure you understand the terms of the agreement and ensure you get a competitive interest rate.