Month: May 2019

Due diligence is a must before getting starting on any construction project

The period starting in 1950 saw a change in the way the world is viewed,this accelerating in the 21st Century as the changing climate became a hot topic. One of the major impacts is that developers now must take a great deal of care when purchasing land,as any contamination could cause them many problems and expense.

With this change came laws and regulations and environmental law gradually developed into a separate area,one that overlapped that of construction law when performing due diligence on property purchases for new residential developments.

In fact more and more environmental problems came to the fore in the 1980’s than ever before,the majority dealing with prior pollution.

At the start everyone didn’t know quite how to handle this issue,but over time legal practices evolved and were able to cover the required research into environmental issues,assisting clients identify risks associated with any purchase. Putting it simply,purchasers need to know as much as they can at the start,so they can plan and deal with any highlighted issues.

This is why thinking about due diligence is so vital,especially as now,when you are building something,you have to do an environmental review. The reason for this process for a buyer of land is to obtain as much data as possible. When things are done correctly,it helps to pinpoint if contamination is present,find the risks and see the effect they could have on the cost and timing of the development plan.

In some case there could be parts of the property that you simply can’t build on, but you won’t find out until you start digging. It looks just like a treasure hunt as “You don’t know what you’re going to run into until you get into the ground.”

The good news is that if some problems are found it does not necessarily not be the end of the project as it as it then gives builders and lawyers opportunities to be creative. It’s all a part of dealing with the challenges and opposition to a development project.

Plus,now there is the Brownfield Cleanup Program,which gives liability protection,financial assistance and tax credits that are available when you are remediating a site and redeveloping it.

Whenever you are purchasing real estate,there’s always the concern of what happened on that land historically,and due diligence in reality,is to make sure the purchaser knows what happened in the past. Basically,due diligence can be broken down to asking the right questions at the outset of the purchasing journey,thus protecting the purchaser against liability. Once the risks are known,clients can decide if a project is feasible and can be financed and completed on budget.

See this interesting post for more information

Avoid These 3 Pitfalls Of Debt Relief

If you have found yourself buried under the burden of credit card debt,you can rest assured that you are not alone. The average American household is carrying $8,000.00 balance on their credit cards. This fact and our current economy is driving more and more people into bankruptcy. You may be finding it harder and harder to make your credit card payments on time.

Credit card companies continue to aggressively market their lines of credit because they make a lot of their profit on the interest and other fees associated with keeping people in debt such as late fees and overdraft fees. Many people get drawn into the introductory offers of low interest rates and later realize that the rates have gone up considerably once the initial time period has gone by. So you are behind on your payments,or straggling make them on time,what do you do now?

Many people today who have found themselves in this position are now seeking some sort of debt relief. As you approach the many options available to you there are a number of pitfalls to avoid.

1) Avoid Bankruptcy. Bankruptcy can destroy your credit for as many as seven to ten years. This can make it almost impossible to get a mortgage or a car loan. This should always be considered a last resort after all other options have been exhausted.

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2) Avoid paying up-front charges. As you are seeking either debt consolidation or any of the many alternative methods of debt reduction,be aware that many companies charge up-front for their services. You have options here. The company needs to demonstrate that they can reduce either your interest rate or your monthly payment before they can get paid.

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3) Avoid accumulating more debt. This may sound obvious but what I am suggesting here is that you step back and take a serious look at how you got into the situation that you are in and make changes in your spending habits. Set up a budget and commit to following it.

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If you have found that you are unable manage your own debts then you can hire the services of a credit counseling agency. The counselor can help you work out a payment plan with your creditors. The counselors with their experience and skill can help you build a budget that you can live with and that helps you make your monthly payment obligations on time. They review the financial situation with you,before offering a debt relief option. They are the experts and they negotiate with creditors on your behalf to lower the outstanding balance to pay off.

How Does Debt Reduction Work?

A person who has a number of large debts to pay will most likely experience a great deal of stress. Furthermore,large unpaid debts will make it difficult or even impossible for one to get a loan at a reasonable interest rate. A person who is feeling overwhelmed by bad debt should make a debt reduction plan and look into various debt consolidation options. Following are some important points to take into consideration when attempting to reduce or consolidate bad debts.

How Does Debt Reduction Work?

Many people accumulate large debts that they will never be able to pay back. Creditors are often willing to accept a lesser sum and then write off the rest of the debt,as the alternative would be for the debtor to declare bankruptcy. If bankruptcy is declared,then the creditor would in most cases not get any of his or her money back. Most plans involve the debtor paying back anywhere from 15% to 25% of the money that was originally owed.

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Working with a Company vs. Going it Alone

There are a number of debt consolidation companies that will help a person to reduce his or her debts. These companies will contact the creditors on behalf of the lender and negotiate the reduction of the debt. While it costs money to work with a company,it does have its advantages. As the debt consolidation company handles all the communications with the creditor or creditors,one does not have to deal with angry phone calls from those he or she owes money to. The monthly payments agreed to under the deal are paid to the company; the company in turn distributes the money to creditors. Many companies also provide seminars and classes on budgeting and credit card management,along with various resources that will help one to keep track of how much he or she earns and spends.

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The Impact of Debt Consolidation on a Person’s Credit Score

When making a debt reduction plan,it is important to realize the potential impact that debt consolidation can have on the credit score. Most creditors will note a reduced payment as being a consolidated payment and this can have a very negative impact on one’s credit report. When negotiating a consolidation plan,make sure that the creditor will mark the debt as being paid,as this will not adversely affect one’s credit rating.

Debt consolidation options allow one to pay off bad debts and start afresh financially. One can either negotiate with the company on his or her own or hire an agency to do this work. Either way,one will want to make sure that the creditor does not report the debt as being reduced,as this will adversely affect one’s credit score. After a deal has been reached with creditors,one should make sure to pay the money that was agreed upon on time and in full. Debt consolidation should not take the place of wise financial management and never spending more than one can realistically afford to pay back.https://www.floridadebtreliefhelp.com/tampa-fl/

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A Well-designed Social Media Digital Marketing Strategy

A great deal of businesses are finding it hard to stand out on social media,due to an increased competition in social marketing. Claiming premises on social media will help you solidify your brand,as these profiles rise to the top of Google and defend your online reputation,just like they do any major brand. They are highly beneficial to SEO as well.

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Web Design & Layout

If the website is mobile-friendly,a responsive design plays an essential part in making a website and a website that’s mobile-friendly enjoys a lot of search engine traffic.

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