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Specialised lenders/credit providers can solve the cash flow problem of business owners with the help of a caveat loan (sometimes referred to as a short-term 2nd mortgage). The loan is ideal for business owners because:

>> Bank style credit approvals are not required

>> Tax returns are not required

>> No credit checks are undertaken on your credit history as bad credit history is not relevant

Interestingly, a caveat loan is not only right for a business owner but it can also be beneficial to a property developer or an investor.

Caveat Loans – Definition

They are fast settling loans, which are structured for a short-term of usually between 1 to 12 months, with a possible rollover (if required).

In contrast to conventional forms of finance, caveat loans need to be established quickly (i.e. within 24 hours from the time the application is first lodged).

How does a Caveat Loan work?

These loans are simply an ‘asset lend.’ For caveat loans, all you need is to be the owner of a piece of real estate. Here is a list of residential, commercial, industrial or specialised securities that the loans are commonly secured against:

>> A home or a unit

>> Vacant land

>> Medical centres

>> Child care centres

>> Commercial properties

>> Rural land, farmland or agricultural land

>> Acreage (with no limit), etc.

How are Caveat Loans Structured?

>> They are structured just for a short-term of 1 to 12 months period

>> They generally have a five day “fast-settlement”

What is the Loan Exit Strategy and how are Caveat Loans Repaid?

The loan exit strategy is where the borrower agrees to pay the loan back to the lender/credit provider at a predetermined time (usually between 1 to 12 months).

The repayment of the loan can be done by one of the following methods:

>> You can refinance the loan

>> You can sell the asset

>> You can use any business cash flow or commissions due to you

What Other Reasons do Business People Choose for obtaining Caveat Loans?

Here is a list of many reasons (scenarios) why business people choose the loan:

>> A common use of the loan is if business people require funds for bridging between the selling of a property and the funding of an urgent requirement;

>> Having the required cash flow in hand by way of the loan has helped many business people to pay off their debts and thereby enabling them to go on with the running of their business;

>> It may be that business people want to expand their business, and they need additional funds to enable them to fulfil their business goals;

>> They may want to attend an auction and the need to transfer the funds right after the auction ends; or

>> They may simply have a business deal that is too good to let go, and they currently do not have the required cash to pursue this business deal.

So, now you know how caveat loans can help you. More importantly, you also know that the loans can help you with any unexpected urgent commercial debts that you have to pay before any legal process is taken against you (e.g. default or court judgement) or before you are charged with late fees.

Singh Finance helps business owners in securing finance for their business. The firm’s expert finance brokers will help you in securing quick caveat loans as well as help you in obtaining business equipment finance and short term business loans. Call on 0424 190 908 or enquire online now.

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With May being Self-Pleasuring Month, there have been a number of articles in the press about the joys of self-pleasuring. Some of these articles have taken the results of a recent poll and focused on the finding that millennials practice self-pleasuring at a higher rate than other age groups. (And since there are benefits, such as improved Female canal and male organ health, kudos to them for their efforts.) But some of these pieces make it seem as if self-pleasuring is strictly a millennials-only activity – and that’s far from the case.

According to the survey, 57% of millennials report self-gratifying weekly, which is more than any other age group. More than 40% of people between the ages of 35 and 54, for example, self-stimulate weekly. It’s clear that millennials are not the only ones taking matters into their own hands.

Guys rule
For example, 84% of Americans (admit to) self-gratifying, which breaks down to 92% of American men and 76% of American women. Not bad, men, but U.S. males are still behind some of their international peers. In Germany, 93% of men say they provide self-satisfaction, and in the UK, the figure is 96%. But Brazil beats them all, with a male self-pleasuring rate of 98%.

Men also tend to self-fondle more than women. 54% of American men self-stimulate weekly, and average 4.8 sessions per week; only 22% of women self-ignite weekly, at an average rate of 4.1 times per week.

Toys
The survey also looked at adult toys, which are part of many individuals’ and couples’ sensual lives. The survey was conducted by a adult toy manufacturer, so one may want to keep that in mind; however, according to the survey, people who have used adult toys tend to be more satisfied with their sensual activities than those who have not.

Among American men, 20% stated that they currently use adult toys, as opposed to 35% of women. But 46% of U.S. males said they were open to buying a adult toy for themselves at some point in the future. (This puts them pretty much in the middle, globally, with a high of 71% from Mexican men and 14% from Nigerian men.) One reason for this may be that partners of men who use adult toys report an overall greater satisfaction.

The survey has a great deal more information, but it ultimately reinforces what many already know: there’s a lot of self-stimulating going on. And with May as Self-Pleasuring Month, there’s likely to be a spike in that activity.

With that in mind, men who are self-celebrating should remember a few tips:

• Be sure to use lubrication. Yes, sometimes a guy can get by with a little saliva if the self-pleasuring session is of short duration. But in most instances, self-gratifying without lubrication can lead to a raw, painful member.

• Watch out for death grips. Squeezing the manhood too tightly for too long can lead to a diminishment of feeling in the male organ – and no guy wants that.

• Clean up afterward. Some men who self-stimulate at bedtime just wipe the seed off on their member and fall asleep. Dried seed can contribute to male organ odor issues, which can be a turn-off to many partners.

Millennials and boomers alike enjoy self-pleasuring, as does every adult age group. And it will be more pleasurable if a guy’s equipment is kept in good health through the use of a top notch male organ health crème (health professionals recommend Man 1 Man Oil, which is clinically proven mild and safe for skin). Look for a crème that includes a combination of moisturizing agents (such as shea butter and vitamin E) to help soothe a sore member which has been worked over a bit too much. And find a crème with L-arginine, the neuroprotective properties of which can help restore diminished manhood sensation due to aggressive handling.

Visit http://www.menshealthfirst.com for additional information on most common male organ health issues, tips on improving manhood sensitivity and what to do to maintain a healthy member. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.

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