2022 has left us and the year 2023 is a fresh new start for everyone. Have you listed down all your new year’s resolutions? Do you have your goals set for this year? Are you raring to get the year started, motivated to reach all your goals and dreams? 

2022 has not been a great year for some and there is a lot of hope that 2023 would be a better year. Reflecting on the year that has gone and lessons learned from it is a good way to get started. Aside from that, setting up a list of goals and things that you would like to happen or change for this year is a good way to point yourself to the right direction. Setting up step by step plans on how you can make it all happen is the next step and then of course, just going ahead and doing all of them.

While in the process of writing down goals and plans, the motivation to take action and make everything a reality is on high drive. Which is why it is best to take action as soon as possible once you have all of these set, while the drive and motivation is high. But what if the drive starts to dwindle down, what if the passion for it starts to settle down a bit, and (gasp!) doubts start to set in? Could you really do it all? Will you be able to reach your goals?

This is the importance of writing things down and placing them in areas where you can often see them. Some have dream boards where their goals, plans, and dreams can be seen. Some have them attached to their refrigerator door. Some in their bedroom, near their bed so they can be seen as soon as they wake up.

Those are great ideas, know how to step it up to the next level? Get a motivational custom banner or custom flag printed that has all your goals, dreams, plans, maybe even some motivational quote to get you raring and moving again in times when in a rut. Customize it to a design that suits you, that would serve to motivate you and energize you to go do it! Place it in areas in your home where they can be often seen and go ahead and not just get one, but multiple flags or banners in your bedroom, kitchen, living room, places that you often stay in so you can see them clearly and never forget.

Love watching movies and series and sometimes tend to go on a binge watch? Get a custom banner with your goals or maybe to remind you to not take too much time on the couch, your dreams are waiting for you! Have a goal to get healthier? Remind yourself with custom feather flags to eat healthier meals in the kitchen! Aiming for a promotion at work and need that extra push to always perform? Get yourself a flag that would remind you of your goal, place it in your desk, every time you see it, get that push to excel.

There is no limit on what you could do with custom banners. The sky is the limit and anything you want is possible. Maybe get some custom printed table covers or custom printed table cloths, too for that extra motivation and fun vibe! Ready to get started? Get your motivational banners, flags, table covers and throws, and a whole lot more at https://www.australianflagmakers.com.au/

Private Residential Mortgage

I have come across many note sellers that ignore the advice of being prepared. Properly structuring a note for resale can be the difference between selling the note fast and with little friction as opposed to selling yourself short or worse, not selling the note at all. In order to properly structure a mortgage note for resale is as follows:

1) Get the biggest down payment possible. 25% is the Note Buyer’s ideal amount in a perfect world although, you can definitely get away with 15% – 20% if need be. Anything under 15% equity becomes very risky for a Note Investor. In the case of a down payment under 14% equity, you will have a very tough time getting a high bid on that note. Anything under 10% down, will unlikely sell at all.  Housing Market!

2) Make sure you (the seller), pull credit on the potential borrower. 600 FICO score – 700 FICO score would be ideal. Remember; the worse the credit score is, the bigger the down payment you should require! Make sure you keep a copy of the credit report so you may present to the mortgage note investor underwriting the transaction. As far as credit scores, 650 or higher is considered great to excellent credit. 610-649 is good, 609-590 is fair 589-500 is poor and below 500 – don’t even bother. Also try to gather D.T.I. or Debt to Income information from the borrower as well. How much money she/he has coming in per month verses what dollar amount is going out per month. A standard credit report will show you what the borrowers monthly bills are. All you need to do after that is get an accurate dollar amount of what the borrower truly makes after taxes. This way there will be no surprises for you or the Note Investor and this will insure you the highest bids out there! 45% is the max D.T.I. ratio you should allow. This means, if the borrower’s income is $5,000.00 per month, 45% DTI ratio would be $2,250.00 (5,000 x 0.45 = 2,250.00) in debt per month. The borrower only owes 45% of what they make to monthly debt.  Housing Market!

3) It helps tremendously if the seller orders and completes an appraisal before submitting the note to a Note Buyer. The reason being, presenting an exact legal appraisal to a Note Investor allows for a more accurate bid, thus a hassle free transaction. This way when the note is underwritten, there will be no surprises on the collateral property whatsoever. This step is not necessary although, by doing this your are drastically increasing your chances of a very smooth note sale.

4) Include a high interest rate with the shortest term possible. Meaning, be sure that your borrower can afford the payments at the shortest term she/he can legitimately agree to.

5) Try to keep the loan under a 10-15 year payback date. Anything over 12 years usually takes a much steeper discount then say a 10 balloon. The Note Investor generally likes to be out of an investment in 5-10 years. Ideally, if your borrower situation permits, 5-10 is the first choice. 

6) Include a prepayment penalty based on your states regulations and laws.  Go Now!

Please keep in mind; the above information is just a guide. If you have any legal questions about mortgage origination laws in your state, please consult a licensed mortgage broker/banker (in your state) or an attorney. Always be prepared!
Knowing this info before hand is the difference between a smooth transaction and a complete nightmare! Good Luck!

Grilling meat is an art form, and if you are not doing it correct, you are doing it wrong. MEATEATER on Netflix is here to reveal you how it is done. We will teach you all about the various cuts of meat, how to grill them perfectly every time, and even some delightful recipes to try at home. So fire up the grill and get ready to become a master of meat with these tips!

1. Choose the ideal slice of meat.

The first step to grilling meat like a pro is choosing the correct slice. Not all meats are created equal, and each one has its own exclusive flavour and texture that is best suited for specific cooking techniques. For example, a tenderloin steak is best cooked quickly over high heat, while a tougher brisket needs to be cooked low and slow to achieve the preferred result. Realizing which cut of meat to choose will help you get the most out of your grilling experience.

2. Season your meat properly.

Seasoning your meat is essential to obtaining flavor perfection. A simple salt and pepper rub can do marvels for a steak, or you can get innovative with other herbs and spices to create exclusive flavor profiles. Whatever seasonings you choose, be sure to use them generously and evenly over the surface of the meat.

3. Pre-heat your grill.

You can not just toss your meat on a cold grill and anticipate it to cook equally. The key to success is to pre-heat your grill so that it’s nice and hot before you start cooking. This will help you get those perfect sear marks that everyone really loves.

4. Cook your meat at the correct temperature.

Not all meats should be cooked at the exact same temperature, so it is important to know what temperature is ideal for the type of meat you are grilling. A general rule of thumb is that thinner cuts of meat like chops and burgers should be cooked over high heat, while thicker cuts like roasts and steaks can be cooked at lower temperatures.

5. Do not forget about the rest time.

Once your meat is cooked to perfection, it is important to let it rest for a few minutes before cutting into it. This allows the juices to redistribute throughout the meat, resulting in a juicier and more flavorful final product.

So there you have it! These recommendations will help you grill meat like a pro in no time. Now get out there, hunt and fire up that grill!

MEATEATER on Netflix is the perfect show for anyone who adores meat, hunting, cooking, and learning about various techniques. Whether you’re a newbie or a seasoned professional, this guide has everything you need to grill like a champion. If you’re seeking for more information on grilling meats or want to learn about some of the greatest cuts of meat for the grill, contact us today. Our team of professionals would be happy to chat with you and help get your summer barbecue season started off right.