3 Tips for Finding the Best Mortgage Loan

3 Tips for Finding the Best Mortgage Loan

Buying a home is one of the biggest financial investments that the average American will make in their lifetime. Therefore, it is important to find a lender who you trust and feel happy working with now and in the future. Mortgage lending in Catlin, Illinois, is not a one-size-fits-all process. Buyers who enter the lending process with wide-open eyes will print the best deals.


Here are 3 tips to help you find the best lender for your situation.

Avoid Short Term Loans 3 Tips for Finding the Best Mortgage Loan

Short-term loans are not the same as a 30-year mortgage versus a 15-year mortgage. Short term loan refers to a loan that starts with a good interest rate, but has a clause that states within months, your interest rate can go up. This loan is usually called an adjustable rate mortgage (ARM). Think about short-term mortgage rates that can be adjusted if you know you’ll be in a position to refinance before your rate goes up.

Say NO to Special Interest Loans 3 Tips for Finding the Best Mortgage Loan

Loan interest only may seem like a way to save money because you do not pay the principal, but it’s really a money trap. Remember that at the beginning of the loan, you always pay more interest than the principal of the loan. Also, if you only pay interest, you really do not pay a mortgage and are still far from actually owning your home. Loans with interest are only best for new short-term construction projects that will be converted to regular payments once construction is completed.

Bad credit? Shop Around for the Best Loans 3 Tips for Finding the Best Mortgage Loan

Do not think that bad credit score means you have to be satisfied with the first lender who will give your application a second glance. Sub-prime lenders are short of supply shortly after the big recession, but that was a few years ago and the market has turned around. This means that there are more bad credit loan products available for less-than-perfect buyers.

Of course, that does not mean that all these products have your best financial interests. While a bad credit buyer will pay more interest and may be asked to pay points, be wary of lenders who want to take advantage of your situation. Take your time to weigh all your options. Also, consider taking a few years to build credit and save money with a low down payment. Both of these actions, in themselves, will put you in a better position to find a loan.

Sell ​​Insurance without a Marketing degree

Sell ​​Insurance without a Marketing degree

Recently, John Heath from Colonial Life Insurance visited our Marketing Management class one morning. He does not have a degree in business, but he is a great salesman. He and his assistants present practical information to those who want to get into sales. I, for one, do not want to plunge into that field. Personally, the thought of talking to people face-to-face, trying to get them to buy a product, scares me. But, for each of his own right?
Dr. Green has reaffirmed to the class the idea that someone should be liked and can be trusted to sell the product to someone. John must have qualities about himself. He is friendly, explains everything well, and it seems he has the best interests in the forefront of his mind. David Mayer and Herbert M. Greenberg write, “Our basic theory is that a good salesman must have at least two basic qualities: empathy and ego drive” (2006). Along with trust and empathy, the salesman must be moved. One of Heath’s maxims is that you can make as much money as you think it’s worth. It’s just up to you to put in the time.

Sell ​​Insurance without a Marketing degree

Heath’s primary role as an insurance salesman, apparently, is to promote awareness of his company’s products. Chernev explains, “Awareness reflects the customer’s knowledge of the offer, awareness can be generated by the company’s direct communication to its target customers …” (2014). Without awareness of your product, you have no market.

Heath explains the importance of getting as many “drops” as possible for contacts each week. This is called a drop because you are trying to “drop” your name and information into a particular business. The more often you contact the sales prospects, the more likely you are to go further with them in the sales process. “‘No’ is not always flat ‘no’ Most of the time, that means ‘not right now’, so do not be discouraged if you do not get it. Be patient,” Heath said.

This is what will make me afraid to take a sales position. I do not like being told no. I feel my relationship with the person is sick when they say no. I feel I can not be open to them. Sell ​​Insurance without a Marketing degree

Heath mentions Jeb Blount’s Fanatical Prospecting book. He and his assistant praised him as a very inspiring and readable read, and there is a need for salespeople to check out. So, in a perfect world, I would read the book and suddenly fall in love with the sale. We’ll see.

New 4K Switch Works Magic with Control4 Home Automation

New 4K Switch Works Magic with Control4 Home Automation

You want 4K in all your rooms. How do you get it? Button. Not your kind of grandmother who threatens to defeat you – the kind that goes hand in hand with the Control4 home automation system. Control4, which recently acquired Australia-based audio / video provider Leaf, just came out with its new 4K AV matrix switch, which allows its customers to have 4K content in every room in their home – all in a flip switch. And not just generic content – copy-protected content as well. That’s because HDCP 2.2 is compliant. If you get 2.0, you will end up with a black screen where your content should be.
Small and Funny

New 4K Switch Works Magic with Control4 Home Automation

The receiver of this receiver is deceptive. Small and compact, this brings huge changes to your viewing experience through a single cable. You do not even have to put it on the wall. The last thing you need or want is a pile of black boxes and more wires and cable nests – that’s why this switch is so great; It packs a lot of power into a small space.

What does 4K mean for you?

Tech geeks and fans know that 4K means a horizontal resolution of 4,000 pixels, but for many consumers, this just means a very good picture. But it’s not just the picture you want, it’s also sound. This new switch includes an integrated audio feature that lets you pump sound into eight different zones in your home. You can even experience high quality in a room equipped with 5.1 or 7.1 surround sound while getting the same (though slightly less impressive) audio in your other zones. New 4K Switch Works Magic with Control4 Home Automation

No waiting

Another switch feature is advanced device management, which allows fast transfers when you’re ready to watch. Why should you tolerate the lag time? You are busy. You want your content and you want it now. And the variety is impressive – you can watch Blu-ray discs, Roku, Apple TV, streaming media or movies from your own collection. All this can be gained by adding a device the size of a deck of cards, and everything can be controlled with a single remote. Sounds too good to be true? Not this one. It is real. That does not mean you may not benefit from a short tutorial or demonstration. You can order this device online and install it yourself, as it does not require hardware or software, but if you buy from a local high-end home automation agency, you can be sure that you will get the extra support you need. Control4 also stands behind a 100 percent new product, and offers full support, service and warranty for all purchases. The fact that this 4K switch is compatible with the Control4 home automation system makes it a boon for homes that are already managed by the ultimate automation solution. New 4K Switch Works Magic with Control4 Home Automation

Choose the Right Right Liability Option Option for your Commercial

Choose the Right Right Liability Option Option for your Commercial

One type of coverage in a commercial car insurance policy will include a body injury claim. If an employee who uses your company vehicle causes an accident that injures another person, the insurance of liability for the injury will pay the costs associated with the victim. This may include hospital and medical bills, rehabilitation fees, long-term nursing care, funeral expenses, lost wages, suffering and suffering. This policy may also include your company’s legal defense if you are sued as a result of your employee’s involvement in the accident. In most states, liability insurance for physical injury is required by law.
If you work with a commercial car insurance company about your policy details, you will choose a limit that will determine the amount that the firm will pay for a particular claim. You can choose to have a split limit or a single merge boundary.

Choose the Right Right Liability Option Option for your Commercial

Split limit – This type of limit represents the maximum payment the company will pay per wounded person, and the maximum payment for all casualties. For example, if your policy includes a $ 20,000 / $ 50,000 limit, this would mean the company would pay up to $ 20,000 per injured person, up to a maximum of $ 50,000 for all injuries in a single claim.

Combined single limit (CSL) – In this case, there is no specific limit per person. The maximum amount assigned to all property injuries and damages due to a single accident. For example, your policy indicates that the insurer will pay up to $ 1 million for all property injuries and damages caused by accidents caused by your employees.

Consider the following comparison of how coverage might apply in case of an accident where your employees are behind another vehicle, and your split amount is $ 20,000 / $ 50,000: Choose the Right Right Liability Option Option for your Commercial

Suppose the cost for the accident was $ 700 for another driver’s medical expenses and a $ 15,000 hospital bill for passengers in another car. Because everyone’s medical expenses are less than $ 20,000 per person and total accidents are less than $ 50,000, all costs will be covered by the insurance company.

If the cost for the accident was more significant, such as $ 30,000 for other drivers and $ 20,000 for passengers, the total amount would be covered, but the sum of each for the other driver would be greater than the individual limit. Therefore, your policy will pay the maximum amount of $ 20,000 for the driver and the entire $ 20,000 for passengers, but your company will be responsible for the remaining number of drivers each above the maximum amount.

Some important considerations with liability for physical injury:

Most companies require that all your business vehicles be registered on a policy basis, with the same restrictions on each vehicle. Make sure your carrier is well informed about local laws regarding the physical injury liability requirements, as some countries set minimum limits. Some policies have a radius limitation, based on the vehicle’s operating location. Check with your carrier to ensure that all restrictions match your business location and service area. Understand the scope of your business. There are exceptions to all types of policies, so make sure you know what might not be covered, such as deliberate action. Choose the Right Right Liability Option Option for your Commercial

Injury liability considerations are only one aspect of a commercial car insurance policy. Make sure you work with experienced operators who will take the time to understand your business needs and develop policies that are right for you.

DO NOT SUBMIT! The meaning of Public Library

DO NOT SUBMIT! The meaning of Public Library

Literacy and poverty are national problems. Both of these problems can be overcome by giving citizens access to resources to educate themselves and find work. Currently, this need is served by the library. As the saying goes: A city with a large library is a big city. All communities, however large or small, deserve access to the wealth of information and means of our nation’s self-expression. Libraries have institutional responsibility for upholding intellectual freedom, with the aim of quietly providing material for self-improvement and development. DO NOT SUBMIT! The meaning of Public Library
Since the library’s ultimate goal is egalitarian, libraries want to maintain local and national support by reflecting the needs and desires of their respective service populations, within the scope of the services provided. The community in question allows access to materials and programs that the library may offer. Of course, this program works best when it is based on community needs and resources; as usual, and not just as a result of some government funds. This reciprocal formation is an invaluable call and response necessary for community development and identity. This sense of identity will help alleviate the pressures of poverty, to retain socially educated and talented members of society, to break the family illiteracy circle, and to influence the overall situation of youth society. Geography and library patronics adjust their branch holdings over time through usage and circulation statistics. Libraries are largely funded by federal and local taxes and grants channeled through specific parameters and protective usage data. However, while each library may be unique, as an institution, they have ubiquitous national equipment whose impetus for justice and access reflects the basic value of our country and deserves a safer role in our society.

DO NOT SUBMIT! The meaning of Public Library

The areas described by the most severe poverty occur when the library funds are reduced. Poverty generally coexists with illiteracy, unemployment, neglect, and violence. Communities that are allowed into dysfunction are less likely to have the resources they offer to improve their infrastructure and quality of life. As the skills of the general public begin to stall, the impact of poverty diseases coupled with poor education in adults, and especially in children, can hardly be overcome. Even those who achieve a relatively higher level of education than those offered in their respective communities usually leave the community when they finish school to find a job with an adequate salary or safer community. What this out migration to the community is completely patronizing, even in just a short time. It is important for the community to provide opportunities to their local people, and ultimately retain their most valuable citizens who can judge and overcome local deficiencies inappropriately.

What the funding library can do for the community is to bridge the socio-economic gap that has been opened for the last hundred years. Literacy, in the new context in which technology and information work on our culture, must take on new definitions, with new efforts being put forward for promotion. In our culture, isolation, both geographic and technological, is a alienating and complex factor. Isolation means without access to information that will provide better tools for access and further participation in society and a full experience of the richness of reciprocal democracy. The nature of isolation is one that invites a decrease in resources, and construction of a deeper society, en masse and for individuals. DO NOT SUBMIT! The meaning of Public Library

The library of a needy community must find creative and interesting ways to maintain and show relevance to these severe pressures. People in need should be aware of the importance of their library, and be vocal in their support.

Should Your Insurance Company Offer Cyber ​​Protection

Should Your Insurance Company Offer Cyber ​​Protection

Cyber ​​security has become a concern for U.S. companies. over the last few years, and for good reason. Information violations not only become more common, but also much larger. Nothing describes the state of modern web security as well as recent violations, which make hackers target the IRS by exploiting false security to compromise over 100,000 taxpayer records.
A similar violation has also affected a much smaller company, and used to see a forward-thinking insurance company racing to adapt. Here’s what you need to know to determine whether, first, you really need virtual insurance and, secondly, what you should look for in a policy.

Should Your Insurance Company Offer Cyber ​​Protection

Are You at Risk?

If you work with any customer information, then the answer may be yes. The term to be considered here is Personal Identification Information, or PII. This is not a technical term, but a legal term that brings some teeth if you have to deal with it.

At its root, PII is part of the information collected that allows third parties to identify their respective business clients. Given how well the Internet uses the slightest hint to track someone, the definition is vast. Full names, email addresses, site nicknames, and (sometimes) even web cookies can all qualify as PII.

If you keep something under the PII umbrella, you run the risk of violation. Violations are very expensive, both for the affected consumer and for the company responsible for the loss. Companies in the health and retail industry are clearly at high risk, but when it comes to it, any business that makes a habit of collecting information should ask their insurance company about cyber policy.

What are your Cyber ​​Policy Needs?

You should look for some things in cyber insurance policy. As you might expect, a good policy should include financial damages that are directly caused by a violation. However, cyber attacks can cause financial damage in various ways. In particular, make sure your company is protected from:

– Losses caused by lost time and productivity. A large hack can cause the company’s gears to stop. Find an insurance company that guarantees the coverage of lost revenue during this period. – Indemnification by third parties. Some modern companies handle their own data. Outsourced IT support or other company can be a victim of a violation affecting your customers. – Losing Reputation. Companies that are violated, even those who have done their due diligence, almost always take a PR punch after the attack. A good policy offers some cushioning against common customer losses.

Finally, try your best to work with an insurance company that has an educational component. Some plans will also be equipped with training to avoid violations. As good as its protection, it’s safe to say that it should not be used. Installing a set of best practices can help you not to rely on safety nets in the first place. Should Your Insurance Company Offer Cyber ​​Protection

Upgrade Your Pro Ski Gear in La Plagne

Upgrade Your Pro Ski Gear in La Plagne

No matter how up to date your ski gear is, there is always room to upgrade. If you are anything like me, then only the latest and best equipment will do, and you know that hav-ing the most current gear is a great way to optimise your performance on the slopes. It is also the best way to turn heads!
In my opinion, the best place to upgrade is always at a ski resort, instead of back home or online. La Plagne is an excellent place to do this, as there are many fully stocked shops. What’s more, it is also one of the best resorts for a holiday with superb skiing and the option of booking a luxury chalet. La Plagne is a much better place to upgrade than back home for the following four reasons:


1. Experts on Hand

For me, the primary reason for upgrading at the resort is that you can get the opinion of experts to find the best and latest gear that is right for you. It can be daunting to shop for skis, boots, helmets, clothing and other gear when there is so much variety. An expert will be able to guide you through what is available, and help you to find the right equipment for your age, gender, height, weight and personal preference.

2. Range

Another reason to buy at the resort is because of the wide range that’s available to you. Modern ski gear is catered to different terrains and personal tastes, so it is helpful to be in the store and browse a selection. This could be cross-country skis, race skis, mini skis, slope, all-mountain or another type.

3. Try Outs

A huge benefit of buying in La Plagne is that many places will allow you to try out the gear before making a purchase. You never really know how the equipment will perform until you are on the mountain, which is why buying at home is a huge gamble that may not pay off.

4. Shops

La Plagne has a selection of sports shops that are full of the latest gear and have friendly staff to assist you. Here are a few of the best!

Zig Zag – This is a very friendly sports store that’s run by the welcoming and helpful Yannick, who will happily spend time with you to find the right gear. This is very handy, as they have a huge selection of products, stocking all of the major brands like Stockli, Drake, Fisher and Northwave.

Elpro – There are four Elpro stores around the resort, so chances are there will be one close to your chalet. La Plagne’s most experienced skiers come here to shop, as the store always has the very latest equipment and offer everything that you need to hit the slopes in style.

Guidon Sports – Guidon Sports is a popular shop which is conveniently located right in the heart of La Plagne. Guidon also offers high-end clothing and ski equipment with the chance to make huge savings with the generous discounts usually on offer.

Belle Plagne Sports – Belle Plagne Sports renews their skis, snowboards, clothes, boots and accessories each year, so you will always find the latest here. There are three stores around the area, and each has equipment for all abilities. There are plenty of staff members on hand to offer sound advice.

La Plagne is a superb place to upgrade your gear, and it is also a great choice for skiing and relaxing. Thanks to the option of booking a luxury chalet, La Plagne attracts avid skiers from all around the world – so if you are looking to buy the latest gear, this is the best place to do so.

Out and About in La Plagne: Get Busy Off the Snow

Out and About in La Plagne: Get Busy Off the Snow

As any avid ski enthusiast knows, ski holidays are not just about shredding powder each day. After a long day on the slopes and once the sun goes down, there is nothing better than soaking up the atmosphere at the resort and mingling with other powder hounds.
One of the best places for events and après ski is, unquestionably, the famous resort of La Plagne in the Paradiski region. In my humble opinion, it is the best pick of the resorts for a group of lads looking for fun and adventure – this is because it has all kinds of fun activities that you might not normally try at home. Additionally, it boasts fantastic ac-commodation, so you can also spend time unwinding/nursing a hangover in your chalet. La Plagne has plenty of entertainment to choose from each night, but the some of the best events take place in a lively venue named Splitting Feathers.


Splitting Feathers is a brand new bar, which is conveniently located at the entrance to Plagne Bellecôte. It has an electric atmosphere every night of the week and a huge se-lection of beers, spirits, soft drinks, hot drinks and food – everything you could need after an exhilarating day on the mountain! Here are a few of the best ways to let loose in this venue.


Sink a few beers for some courage and then get up on stage and sing your heart out with your mates. The great thing about karaoke on holiday is that you’ll never see your audience again, so there’s no need to hold back. This is a barrel of laughs and most per-formers do not take themselves seriously, but keep in mind that the prize for best singer is a bottle of champagne. So get practising beforehand in your chalet! La Plagne’s greatest karaoke act is just waiting to be found…

Pub Quiz

Put your heads together or perhaps split into different teams for the brilliant pub quiz, which will put your trivia knowledge to the test. This is an excellent way to unwind and soak up the warm and friendly atmosphere inside Splitting Feathers, as everyone gets involved and the excitement can escalate rather quickly. There are also superb prizes from a few of the local businesses, such as a free trip on the Tyrolean Zip Wire. What’s more, this is an opportunity to sample the bar’s “resort-famous” home-made curry or to share a plate of nachos.


This is not like the bingo your nan plays! Bingo in Splitting Feathers takes the typically quite sedate game and ramps it up a few levels by offering free shots for lines and house. You are sure to walk/stagger away from the bar, feeling very merry and content. Again, bingo is a great time to order some food from the bar and sample the wide range of booze that’s available (there may even be some ale on draft).

I love Splitting Feathers in La Plagne, as there is such a fun vibe and there are so many activities on offer. Of course, there are also plenty of other options in and around the area, which are easily accessible from your chalet. La Plagne has a lot to offer for young groups, and fun times are easy to find!

Sophisticated Sightseeing in Sliema

Sophisticated Sightseeing in Sliema

Whether it’s art galleries you’re after or strolling around amazing churches, the atmospheric coastal town of Sliema offers a wealth of sights for culture aficionados.
Unwind while our Malta Airport transfer whisks you away on a pleasant 20-minute drive to the heart of Malta’s culture capital, where you will be able to explore the historic town of Sliema at your own pace.


Visit Remarkable Churches

Sophisticated travellers will appreciate a wander around one of the many stunning churches that this tiny Catholic country has to offer. The Chapel of Our Lady of Graces is well worth a visit. Dating back to 1802, it is the oldest church on the island and is home to two wonderful paintings by Italian Baroque artist, Mattia Preti.

A few streets away, the stunning neo-gothic façade of the church of Our Lady of Mount Carmel cuts an impressive figure from its vantage point overlooking Balluta Bay.

When you’re ready, you can take a quick stroll to the impressive Our Lady of the Sacred Heart, which boasts five works of art by the Maltese painter, Giuseppe Calì.

Perhaps the most striking church is the Baroque Stella Maris Church, which houses a statue of the Virgin Mary.

If you’re lucky, you may even get to witness these spectacular churches in all their glory during the village festivals, which are celebrated from July to September.

Christine X Art Gallery

Art lovers will not be disappointed with this glorious gallery. Formerly known as Artitude, this wonderful little gallery boasts a number of avant-garde abstracts, contemporary interpretations of the Maltese landscape and figurative work by local and foreign up-and-coming artists. Occasionally, the gallery hosts temporary exhibitions that feature local and international artists.

The Salesian Theatre

Just over a century ago, the Juventutis Domus opened its doors with the intention of giving young people a space to create new ideas. Not much has changed since then, as the Salesian Theatre is still considered the artistic and cultural soul of the country.

Each year, this cosy venue hosts a number of live music events, ranging from classical to jazz music. Theatre and art buffs will not be disappointed either, as a number of plays and contemporary art exhibitions take place in the venue on a regular basis.

Folklore Night at the Limestone Heritage Park and Gardens

Enjoy a sultry Mediterranean night in the open air whilst you relax with a glass of red wine and enjoy an evening of traditional music and dancing in Malta’s most unique venue.

Set in impressively landscaped grounds, the Limestone Heritage Park is perfect for a night under the stars. Enjoy the freshest and most authentic Maltese gastronomy, such as crispy traditional bread that’s been dipped in olive oil, tangy goats’ cheese and tempting beef olives. And why not wash down these delicacies with a glass of local wine? If you’re looking for entertainment, you’ve come to the right place: dancers and musicians will perform local dances such as the Maltese Frejgatina (Fishermen’s Dance) and the Farmer’s Dance. The hospitality and friendliness of the Maltese people ensure that this will be an unforgettable night.

How to Get to Sliema

Valetta is the only airport on this tiny island, ensuring that you are never far away from your destination. The flight time from the UK is around three hours, and Malta is served by a number of carriers, including easyJet, Ryanair and Monarch.

Avoid the hassle of looking for a taxi on arrival and pre-book a Malta Airport transfer online. You’ll be sure to start your holiday in style when one of our expert drivers takes you on a pleasurable 20-minute drive to Sliema.

Savour the Flavours of Sliema

Savour the Flavours of Sliema

Once a tiny fishing village, the town of Sliema has grown to become the veritable gastronomic capital of Malta. From typical Maltese dishes to Asian fusion, you’re sure to find a restaurant to suit your palate and your wallet in this delightful town.
Situated only 20 minutes away from the airport, you can easily travel from terminal to table with one of Shuttle Direct’s transfers from Malta Airport. Our knowledgeable local drivers will be delighted to whisk you away to a restaurant that tickles your taste buds.


Our Top Picks

We have hand-picked some of the best restaurants in Sliema for sophisticated travellers and foodies alike. Check them out!

Il Merill

Dine in the tranquillity of this secluded family-run restaurant, which is located near Sliema’s waterfront.

Named after Malta’s national bird, – the blue rock thrush – this intimate restaurant offers a variety of traditional dishes from Malta and from the rest of the Mediterranean. The dishes, which are lovingly prepared by the head chef Patrick, are very generous in size, so only dine here if you’re hungry! The large portion sizes ensure excellent value for money.


For lovers of fine Italian dining, L’Artiste will not disappoint.

Situated at the beginning of the Tigne Peninsula, this intimate family-run eatery offers the perfect setting for a romantic meal.

At the front of the house, the restaurant manager Gino will make your evening extra special with his witty repartee. He takes genuine pride in advising diners on the best dishes and, as an added bonus, he may even serenade you with his wonderful guitar playing.

In the kitchen, chef Steve Schembri passionately recreates local and Italian dishes with a contemporary twist. There is also something special on offer for wine lovers, who will be spoilt for choice when they behold the restaurant’s exhaustive wine list.


Serious foodies will love this unique concept café. Situated on the densely packed Tigne seafront, which is where many restaurants jostle for attention, this atmospheric café-cum-wine bar stands out against the crowd.

Rocksalt is famous for its stunning and elaborate dishes, and also boasts a carefully crafted ambience. For those looking to sample the crème de-la crème of cuisine from France, Greece, Italy and Spain, then this restaurant is the place to go.

If you’re impressed by the food, you can also bring some home, as the café boasts a recently opened delicatessen store, where you can buy a selection of high-quality products.

Medasia Fusion Lounge

Situated bang in the middle of Sliema’s coastal road is the unlikely location for this chic gastro-lounge.

As its name suggests, this bold eatery offers an exotic combination of Mediterranean and European cuisine. If you want to sample the culinary delights from Japan, Thailand and China, which are all prepared with a distinctly European flair, this is the place for you!

Charles Grech Bistro

Highly reputed in Malta, the Charles Grech brand took the country by storm with the opening of its first café in Valletta.

The restaurant in Sliema continues to wow diners with its sophisticated French cuisine. This eatery boasts a menu consisting of everything you’d expect from a Parisian bistro, including foie gras and beef tartare that has been cooked to perfection.