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Guide to Residential bridging finance

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Guide to Residential bridging finance

Bridging finance exists to plug the financial gap for property transactions. It is commonly used with residential property purchases such as:

1. When a chain exists and the borrower wants to buy their next property before their existing one is sold.
2. When a buyer is purchasing a property from an auction
3. In any circumstance where the borrower needs access to rapid property finance, with the minimum of paperwork or hassle.
4. Where a residential property needs refurbishment before being sold.
5. Where a traditional mortgage cannot be taken out on a property, such as a residential property that is unfit for human habitation, pending remedial works. What sorts of features do residential bridging loans have?

Generous loan sums
Typically, residential bridging finance will be on offer from around £250k, depending on the lender, and up to £50 million or even more. Most bridging loans can also be taken out with a property LTV of around 80%. Other features such as open market valuations may be on offer.

Short timescales
Bridging finance is usually offered from one month to 18 months. These are not long-term loans, such as a mortgage, and the short timescale is reflected in the higher interest rate.

Offered on an experience basis
Many bridging loans are offered on receipt of a business case, redemption plan or other types of evidence that show how the finance will be used, what the plan is to repay it and that the plan for doing so is workable and in line with the lender’s risk profile. For example, more experienced property developers will naturally be able to borrow larger bridging loans at short notice than a first-time auction buyer. Speak to your broker to present your case in the best possible way, so that lenders can offer you the best deal. At Hans Zarihs we do this for all of our clients so that they can receive the right bridging loan offers for their needs. We are always clear, transparent and helpful – providing tailored illustrations and all necessary information to help with decision-making. Whatever queries you might have, we are here to assist.

Specialist lenders
Asking where can I get a bridging loan? The answer is probably with a specialist provider, accessed via a broker. Most residential bridging finance is offered via specialist brokers who work with a panel of property-focused lenders. This is a niche product that tends to be used by more experienced and sophisticated borrowers who are either developing their own property through auction or refurbishment means, who want to build a property portfolio or who are expanding a portfolio using a range of financial tools. A specialist broker, such as Hans Zarihs, will provide:

– Access to a large tried and tested panel of bridging finance lenders for residential bridging loans
– A rapid process with only a short form to receive initial quotes and offers
– Generous and flexible terms, designed around the customer
– A visible commitment to customer service
– Excellent reviews and a trusted track record.

Bridging finance: Tips for borrowers

Bridging loans are a specialty finance project and new borrowers should proceed with caution if they are new to property finance or development, or are unclear about the features of this short-term bridging finance product. Tips for success include:

Find the right bridging loan lender
Many borrowers will use a bridging finance broker because this type of product isn’t usually available through a high street lender. Look for a broker who can provide access to best in class lenders – many of whom will only offer finance through brokers and who don’t deal directly with customers. Find a broker with a large panel of trusted lenders and experience in the field. A fast process and ready access to funding, without lots of paperwork or hassle, is also crucial for most borrowers!

Calculate fees
Look out for a bridging finance provider that offers options for zero exit fee bridging loans. Exit fees can be expensive and are charged on top of the bridging finance administration fee and interest charges. Use the online bridging loan calculator at Hans Zarihs to see the effect that different interest rates, loan terms, and fees have on the total cost of borrowing. This total cost is important when weighing up different products.

Check for flexible bridging finance features
Look out too for flexible features such as the ability to roll over, deduct or service interest payments depending on your needs. Open and closed bridging finance deals may also be of interest to you, depending on whether you expect to be receiving sale proceeds or a mortgage income at a certain defined point, or you wish to keep the bridging loan facility open on a more flexible basis, pending confirmation of your redemption arrangements.

Look for great service
A good bridging loan broker or provider will always be committed to great customer service and will take the time to explain unfamiliar terms and to ascertain your individual needs in order to provide the right product. At Hans Zarihs, we only need a few minutes to gather all relevant information in order to send you an instant range of bridging loan quotes from a large panel of tried and tested lenders. The finance process is then extremely quick and we manage it for from start to finish, packaging up your application and managing the paperwork for your lenders so that you don’t need to spend lots of time on form-filling!

Speed and efficiency
We have also invested in the latest digital systems that allow us to operate on a slick, efficient and fast basis for the benefit of our customers. Not only does it just take around 20 minutes to return your personalized list of bridging loan quotes from our panel, once you submit your needs, but your finance can be made available in as little as 3 days, depending on the lender that you prefer and the bridging finance product that best suits your needs. We strive to be as rapid and as efficient as possible at all times, smoothing the process with our expertise and experience so that your funds will be with you as soon as possible. If the standard 3-7 day turnaround time isn’t quick enough for your project, please get in touch anyway and we will see what is available!

Contact us
Ready to apply for bridging finance or to find out more about bridging loans that might suit your next project? Contact our helpful team of finance experts now for an instant and no-obligation tailored illustration of the loans available to you.

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Escape from Tarkov Bitcoin Farm Tips

Umar Nisar

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Escape from Tarkov Bitcoin Farm Tips

Make efficient use of the bitcoin farm

As all EFT players know, the bitcoins Tarkov holds are actually quite rare. Some players might’ve even been playing without encountering one in raids. Aside from their rarity, they’re also quite small and hard to see. At any rate, players now have the chance to farm this rare form of currency in-game. One of the upgrades to the Hideout is a Bitcoin Farm.

How to Make the Bitcoin Farm

Making one requires the following:

  • An Electric Drill
  • 10 Powercords
  • 10 Power Supply Units
  • 15 CPU Fans
  • At least level 2 Intelligence Center

It will take 30 hours to construct. After that, as long as your generator is active it will produce a physical bitcoin Tarkov every few hours. The amount of time the farm produces a unit of the currency depends on how many Graphics Cards the farm holds. With one GPU, it’ll take 20 hours to get a physical bitcoin.

Upgrades and Time

Upgrading the farm makes more slots to hold more GPUs. At level 2, it can hold 25, and level 3 can hold 50. Going by normal conventions, using more cards makes the production faster. Having 50 cards will produce a bitcoin Tarkov every 5 hours.

Here are the projected times:

10 GPUs – 12 hrs 50 mins

20 GPUs – 9 hrs 15 mins

30 GPUs – 7 hrs 12 mins

40 GPUs – 5 hrs 54 mins

50 GPUs – 5 hrs

As you can see, adding more and more GPUs result in diminishing returns. The difference in production time between 10 and 20 GPUs is about 3 hours, while 20 to 30 is only 2 hours. Plus, how are you even going to find 50 cards to get that 5 hours production time?

In this case, it’s more worth it to keep production at about 20-30 cards. You have to think about the fuel costs as well. The generator has to be running for the Bitcoin Farm to produce bitcoins.

Fuel Efficiency

At the most ideal, the Expeditionary Fuel Tank (henceforth called blue fuel) will power the hideout for a day and a half. In contrast, the Metal Fuel Tank (metal fuel) can run the generator for about two and a half days.

Ideal conditions include having a Solar Power Module and the Elite Hideout Management Skill. Both of these increase the time the fuel can power the generator. So, let’s calculate the possible number of bitcoins Tarkov that can be produced with the metal fuel.

10 GPUs: about 5

20 GPUs: about 6

30 GPUs: about 8

40 GPUs: about 10

50 GPUs: about 12

Now, the farm can only hold 3 bitcoins before it stops production. That means you have to pick up the physical bitcoins so it continues production. You can’t expect to have 8 bitcoins waiting for you after leaving it for hours on end.

Supposing you have the recommended 30 GPUs in your Bitcoin Farm. Rounding up the production time to 8, you can be sure to get 3 coins every day (24/8=3). When you’re playing every day, you can get the farm’s maximum number of coins if you leave your generator on. That’s an efficient use of fuel.

Of course, schedules are different for every player. Take someone who can manage to find 50 GPUs and plays for say, 10 hours a day as an example. They can turn off the generator when they’re not playing, and still, get 2 bitcoins Tarkov every day.

For those who want to leave their generators on, it’s better to have a longer production period. Making it too fast will fill the farm’s storage too fast unless you have the opportunity to log in and get it. The point is to adjust the production time with your playing schedule to get the most efficient farm.

Conclusions

To be productive and efficient, it’s not necessary to have the most number of GPUs for your Bitcoin Tarkov Farm. You just need to adjust the production speed to your playing schedule, and not leave the farm’s storage full.

Bitcoins are a big source of euros. It depends on the real-world situation of the currency, but either way, it’s still a valuable resource. Sure, there’s also the regular server wipe to deal with, but you can at least enjoy your riches before it happens. You can use it to trade for useful objects such as weapons, containers (Lucky Scav Junkbox, secure containers), or materials for upgrading your hideout.

So, take advantage of your Hideout’s Bitcoin Farm and create a stockpile of this currency. Enjoy Escape from Tarkov!

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Digital Marketing Training

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Digital Marketing Training

Digital marketing raises both products and services using digital technologies, like the Internet, mobile phones, and many different digital mediums. Students that finish the course and get certified will have skills learned that help them shape their plan for the competition.

Here are few classes of marketing methods by which promoting takes place – Your website, blog posts, ebooks and white papers, Social media channels (Facebook, LinkedIn, Twitter, Instagram, etc.), Earned online coverage Online brochures, Branding assets like logos, fonts, etc.

Marketing Automation, Email Marketing. The most satisfying part about Digital marketing training is that it can work for any business in any industry. However, marketing still includes building out buyer personas to identify your audience’s demands and creating valuable online content of what companies are selling.

Digital-Marketing training is an “Evergreen” career choice. The marketing technology is constantly growing, hence the need for re-skilling is a must these days. Mix your future with a fantastic digital job.

Search Engines

Since most people start the web using a search engine, knowing how it operates and learning how to make oneself visible through a search engine is supreme. Within search engine marketing, you can create a brand behavior, or make a sale, or get a customer lead that can later stop through direct marketing channels.

Knowing all possible choices for branding and marketing through search engines is sure to be a good promoter for a company.

There are five strategies for search engine marketing.

Search Engine Optimization (SEO)

Pay-Per-Click (PPC)

Contextually Targeted Text Ads

Paid Inclusion and

Digital Asset Optimization

Companies that utilize SEO the highest.

Facebook and other Social Media Marketing

One must understand the complex dynamics of people’s communication on social media. People communicate with a brand while on social media either by seeing an advertisement, a Facebook page, a picture, etc. They comment on the product or share or give feedback to other friends and relatives. Drawing on this social behavior is a part of digital marketing.

Email Marketing

They provide a consumer a choice to receive emails about the product, discounts, offers, and events. They must be relevant and interesting and stimulate the consumer to go to the business website or purchase.

Website

Building a website with a logical authority in its navigation based on the website’s goal is an important skill to get. The website can be HTML, PHP, or WordPress, depending on our interests.

Mobile Media

Since most of our population gives more time on mobile phones than on desktops and computers, one must read how to adapt ads, webpages, and social media images to the mobile phone.

Many companies have a mobile app for buying a product, and that too drops under the purview of digital marketing.

To be a specialist in digital marketing, one must know how to make together a campaign on all platforms together—learning how to link email to Facebook, Instagram, tweeter and your web page.

Digital Marketing is a large and exciting field that is progressing fast. Companies are forever on a quest to find experienced digital media personnel to help grow their business. This is the only way companies can stay before their competition.

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Things to Keep in Mind Before You Buy a Vape

Umar Nisar

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Things to Keep in Mind Before You Buy a Vape

If you are finding it hard to opt for the right vape, we can help. You have a lot of options to choose from, such as pod vape, vape pen, unregulated box mod, mech mod, and personal vaporizer, to name a few. Besides, there are a lot of flavors and nicotine levels to choose from. Given below are the things you need to consider to make a choice. Read on to find out more.

What is a Box Mod?

At first, the world saw tube-like, low-powered mods and e-the electronic versions. They looked like the regular packets you can buy. The units contained disposable cartridges that needed to be replaced at the end of their life. So, this is important to keep in mind.

Next, they invented the vape dab pen. These units are wider and longer than the earlier devices. With bigger batteries, these units offer better performance and a lot longer backup time.

In simple words, box mods are a type of vaping device that looks like a box unlike the conventional pen-like shapes. The new devices are more complex and feature circuit boards and large screens that can be used to do many functions.

Vape Pen vs Box Mod

The biggest advantage of the pen-shaped devices over the box mods is that they are small, which is why they are portable. But many vape users go for a vape box because of many reasons. Although they are not as flexible as the cylinder device, they offer a lot of unique features, such as longer battery life, better cloud production and better control.

Regulated Box Mod features

With the passage of time, the chipsets found in the regulated box mods continued to get better. Nowadays, a lot of commercially available mods and the electronic alternatives offer a number of advanced controls. These features allow you to get the most out of the unit. Therefore, they are a bit more expensive than the alternatives. However, the extra price is worth it. Let’s get a deeper insight into these features:

Safety features: The good thing about regulated mods is that they come with internal regulations. This makes sure that the units will never misfire. On the other hand, mechanical box mods don’t send filters voltage to the internal atomizer without unspecified degree of resistance.

In an unregulated box mod, failure can occur because of a non-compatible battery and a low-ohm coil. It happens because there is no safety measure in place.

Temperature control: with some new box mods, you can easily control both wattage and temperature. All you need to do is change their settings, and you can enjoy different vape experiences. While using the device, you can change the power the unit consumes.

So, these are some of the main features of these devices. If you want to buy one, we suggest that you consider the details described in this article.

Long story short, if you follow the tips given in this article, you will be able to opt for the right vape device. Hopefully, you will find this article quite useful.

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