In most instances, landlords seek help from professional real estate management companies in managing their rental properties. The problem is that this would require them to spend money for management with the exception of other necessary services and maintenance fees. So, in reality, they would be paying more for managing of their property than earning profit which is not a favorable end for landlords in a real estate business. This is why property management software is developed.With property management software, landlords are placed in control so they save a lot in terms of fees. Since they oversee every business transaction mostly by themselves, there is no need for them to employ people or seek professional help. They just need the software to work for them so they can easily be in control of their tasks that need to be done such as the marketing aspect, database management and rent collection. The software helps them to advertise their rental property in the market by posting pictures, map, list of amenities and other important details about the property in the property management website. Likewise, the software takes care of organizing all information stored for easier access than before. And when it comes to rent collection, the software electronically transfers payments every time tenants pay with their credit card or e-check.Also, having this software means working with a property management website which means better security and faster software upgrades. This is because the software is built with a security feature that protects information stored in it from theft and other forms of data loss. Because every single file is stored on a remote computer, users won’t have to worry about accidentally deleting the information or corrupt files. Furthermore, every time users access their account, the software automatically upgrades itself so it can better serve their needs.Plus, owning the software which runs through property management website helps landlords to share the responsibility of monitoring the accounts of their tenants with them personally. Since the software allows tenants to access their personal accounts, they can easily check their payments with the payment history section or see whether or not there are important notices from their landlords posted.All in all, great relief is brought about by property management software. It has helped landlords perform their responsibility without requiring professional help that can be expensive. Moreover, it presents landlords with a secure working platform where they can easily monitor their tenants’ activities without the need to travel frequently. It also allows tenants to check on their status so they won’t have to keep on calling their landlords for inquiries over the phone. So, the software is truly an exceptional time and money saver!
Control Working With Property Management Software
Life Insurance For Mortgages
Bank Coverage vs. Private Coverage. What you need to know!So let’s get on to a mortgage insurance discussion. Did I say mortgage insurance? Ah yes! Yes, it’s a unique name given to normal, ordinary life insurance, couched under a very nice sounding name – which makes a whole lot of difference to people wary of “life insurance.” So, they’re not buying life insurance-no, no, they’re buying mortgage insurance. I wish there were many more such unique names for good old Life Insurance which would persuade people to buy life insurance and protect their loved ones and their estates.Apparently, people do not want to talk about death; so life insurance is the last topic for discussion unless you get a close call from the Creator, by way of a heart attack or stroke. Mortgage insurance is not mandatory at your bank, or anywhere for that matter. All you have to do is sign a waiver and you’re off to the races. The waiver releases the lending institution of its obligations to offer you a plan that would take care of your family in the event you had a premature death.Let’s get back to the statistics. Out of 1,000 people aged 30, 125 will die prior to the conclusion of a 25 year mortgage. And surprisingly, despite having this fantastic name to this very important plan there are thousands of families lacking protection and leaving their dependent families open to the risk of losing their homes. I am certainly glad that due to the plans aggressively marketed by the banks, many families are protected. Or else, there would be thousands of unprotected families who would end up homeless.If a mortgage is not paid immediately, in the event of your death, it will become a huge liability to the family.Choices: Let’s visit the choices your family would have to make in such a situation.1. Will the surviving spouse/partner carry on the entire burden of the mortgage and will the bank accept the risk? If two incomes together found it difficult to make both ends meets, how can one income possibly be adequate?2. The family could sell the house, relocate or rent somewhere else. Will there be a buyer for the house? What about the cost involved in selling the house? Will there be enough money after selling or will the family owe the bank?3. Sell the house and move in with the relatives. Not the best alternative and how many people have philanthropic, generous relatives willing to take in another family? Not many, I can bet.4. It’s an accepted fact that for most people their house is their most valuable asset and they protect it by way of mortgage insurance.By the way, I’m sure you have heard this statement from a friend saying that someone they knew had died and that the surviving family does not have any money. You can immediately conclude that those folks did not have insurance and must have probably snubbed many insurance advisors like me. If one truly loves his or her family, a mere $15.00 a month can prevent such an eventuality.o Why take advice from a bank official, whose experience is not insurance?Before we discuss the nitty-gritty of the plans marketed by the banks and other lending institutions, let’s get one thing straight. Would you go to your dentist if you are ill? Or, would you go to your family doctor? True, both are doctors, but their lines of specialty are totally different. Why, then, would a person take advice from a bank official (whose expertise is banking and NOT insurance) to purchase protection of his/her most valuable asset?Don’t get me wrong-bank officers may be extremely knowledgeable in the financial aspects of banking related issues, but insurance issues are far beyond their scope. They are only doing their duty by offering the mortgage plans available.Therefore, getting advice and signing an extremely important document which can affect your entire family’s financial future is something you have to take really seriously. An Insurance Advisor, on the other hand, is qualified to give you better advice on insurance related issues.o Plans offered by an Insurance Advisor provide coverage that remains level for the term you select.Mortgage insurance plans offered by banks relate to your mortgage balance, and obviously as your mortgage drops so does your insurance coverage. In this case, if you are happy about reducing your mortgage, remember that the insurance company is equally happy because this reduces their liability.Individually acquired plans are tailor made for you personally and so, if you are healthy, you get a better rate. Unfortunately, the plans that banks recommend are group plans. It does not matter how healthy you may be compared to others in the group.o Plans we offer have premiums guaranteed and cannot be changed by the insurer.As you might be aware, group plan premiums are generally not guaranteed. Mortgage insurance plans are group plans.o Individual plans do not reduce their benefits and so the premium remains the same.Mortgage insurance plans offered by banks relate to your mortgage balance, and as your mortgage drops so does your insurance coverage, as mentioned previously. However, the premiums that the bank charges you remain the same. Does this seem fair?Most bank plans leave the insurance carrier with loopholes to decline your claim.o Individual plans will require complete medical check-ups done by qualified medical professionals, at the time of application, which will save your beneficiaries from problems later. It also protects your interests and the interests of your beneficiaries at a later date. Qualified Insurance Advisors will coach you on most medical questions so that your answers are accurate and appropriate.Most bank plans can be set up with a few condensed medical questions-which leaves your bank’s insurance carrier with loopholes to decline your claim.o Our plans do not require you to pay additional PST. The premium offered is the final figure, no PST surprise.Premiums quoted by group insurance plans do not include Provincial Sales Tax. Therefore, just like the rest of your regular purchases PST sneaks in silently to add to your total. So, when you shop for a price, please take this into consideration. A PST of 8% could buy you a lot of additional insurance coverage OR reduce your cost significantly.With our plans, the premium offered is the final figure-no PST surprise.o The plans offered by an Insurance Advisor insure both spouses separately, and so, insurance is paid on both deaths, for instance in a disaster where both the insured die, two separate death claims in the same amount will be paid, thus doubling the benefit.Bank mortgage plans are “first to die” plans-i.e. the plans pay and cease when one person of the two insured dies. Obviously you would agree that that’s the purpose of this insurance. Sure. However, wouldn’t you prefer a better option?For example: a 45 year old male and a 42 year old female insured for a mortgage of $250,000 “first to die” would pay $49.50 per month. By insuring them separately for two amounts, the cost would be about $52.00 per month. Wouldn’t you agree that it’s worth an additional $2.00 month to double the coverage, so that the beneficiaries receive $500,000? That’s the advice you will receive from a qualified insurance professional.o The plans an Insurance Advisor offers can generally be converted to a permanent plan, without the necessity for further medical evidence. So if you develop a medical condition which would disqualify you for insurance, this feature would be of great importance in the continuation of your insurance policy, thus protecting your family.Bank mortgage plans are strictly rental (term) plans and that’s about it. You do not have a choice.o Our plans are traditional life insurance policies, the proceeds of which go to a named beneficiary tax free. The insurance policies are creditor proof, thus totally negating undue expenses such as probate fees.When insurance proceeds from a bank plan are paid towards a property, those proceeds may be open to probate or creditors.o With traditional life insurance plans, the choice of coverage amount is always yours and does not require mortgage documentations.Again, as the coverage of bank plans relates to your mortgage balance, you do not have a choice. For instance, if you wanted an extra amount of coverage to protect your family, you would need to purchase it from elsewhere and unnecessarily end up paying an additional amount of money by way of policy fees.o With the plans an Insurance Advisor offers, the choice of using the benefit amount anyway you choose is yours, and you can make any changes as and when you need. For instance, when you die, your spouse has the option of whether he/she wishes to pay off the mortgage in its entirety or not, as per the spouse’s needs at the time.With a bank policy the bank is the beneficiary; your family has no choice.o Our plans are portable. They are not tied to any property. They are based on your life-not your house or any other asset.When you purchase a mortgage insurance plan from a bank, you are confining the coverage to a particular property; hence, the moving to another property requires another contract.o Refinancing does not affect the insurance plans that an Insurance Advisor will offer.Refinancing alters your mortgage balance and so the contract of a bank plan stands void. There will be a rate increase in line with your current age, with additional underwriting. You in fact may not be able to get insurance again as your health conditions may have changed.o We offer you choices of coverage ranging from 5 to 21 critical illnesses with the flexibility of purchasing the amount of coverage that you can afford. Also, you can claim two benefits separately-i.e. if the insured gets a critical illness and claims, then dies after the claim is paid, the death benefit also gets paid.Some institutions generally add the critical illness benefit to your life insurance coverage, giving you no choice with regard to the amount you may wish to purchase according to what you can afford. It also does not allow you to claim two benefits-i.e. if you collect a claim on a heart attack which is a critical illness benefit and you survive, then the contract ends. Also, the number of critical illnesses covered is limited.o A qualified Insurance Advisor can draw out a plan which allows you the option to stop paying premiums and still continue your policy.Bank mortgage insurance plans are term products which have no cash values, and so, if you stop payments, the policy will immediately lapse.o Most insurance agents will service you effectively and most of all take care of a claim, personally assisting your family when in dire need. Most Insurance Advisors’ actions will definitely speak better than bank TV commercials. They will assist you in the creation of an estate and certainly will meet you one-on-one and at your choice of venue or at your home. Basically you have hired the services of a professional in this line for the rest of the term of the plan you have purchased.Can you recall any bank making personal contact with you such as sending you a birthday card, a calendar, newsletters, or even making a courtesy call, etc.? The only time you would hear from them is possibly at the time of renewal, which would mean an additional sale for them.It’s worth noting that traditional life insurance policies from an Insurance Advisor offer a discount of approximately 9 per cent if the premium is paid annually, thus reducing the cost significantly. This discount factor does not arise with a bank’s mortgage insurance plans, which are generally paid on a monthly or biweekly basis.
Fitness Tips for Better Results
The better your plan the better your results. If you take a rush at the problem you can do more harm than good. Our aim is to get fit and stay fit. The number one reason that people fail is that they go full speed into changing their diet and getting to the gym and quickly burn out. If you rush into a get fit and healthy regime and the results are not instant you can become dispirited and slip back into your old ways.
You are going to have to clean up your diet and, although this is essential, don’t go crazy. There is time enough later to count calories and regulate the balance between carbohydrates and proteins. For now eat healthy non-processed foods.
Next you have to confirm your goals. This will determine the actions that you must make and the decisions that you take. Many of us start with just wanting to feel good by looking good. By looking good we usually mean getting a beach body. You know, gaining some muscular definition, or looking “ripped” as they say.
Stay regular but start small. You will need to do weight training three to four times per week and cardio three times per week. Keep the weights light but the repetitions fairly high and alternate between upper and lower body on different days. Limit the cardio to twenty minutes for the first few weeks. Do the cardio after, but on the same day as the weight training.
Continue your dietary improvements and as your body becomes used to the changes you will notice a remarkable change in your feeling of fitness and well-being. As for the training, resist the temptation to increase the amount of weights too soon. Once you can visibly notice the improvement is the time to increase the repetitions and the amount of weight alternatively.
Although you started with the goal of looking ripped, it is perfectly normal to start considering the other two goals that usually occur. They are gaining strength and gaining size. It is not necessary to wait for months on your first goal before changing your routine.
Introducing some strength training will mean heavier weights at fewer repetitions. This will necessitate an increase in the food intake to fuel the increase in effort and to feed the growth of muscle. This is also the case for building bulk. Many students find that they get the most benefit by alternating every few months.
In all cases a steady increase in work rate produces the maximum reward.