Technology

How Android app development seems monstrous but surmountable

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Introduction

Android is an operating system (OS) from Google. Android is open source. Android has a huge market share. Android-powered smartphones outsell other operating systems. Android is app friendly. The hosannas sung in favor of Android can fill an earthmoving truck! Android is said to be app dependent, which is good news for smartphone users who can download apps in droves. However, app development is not without its hurdles – some serious ones, in fact.

Disadvantages? No, challenges!

The overwhelming presence of Android has triggered a market for application development that is growing by the day. The Google Play Store, the online store that sells app products, is packed with apps of all colors and sizes. The users are many and the challenges encountered in Android app development are of equal proportions. So what are these challenges?

Multiple providers: Many smartphone manufacturers use Android as their operating system, albeit with many modifications. Libraries, functions, and others are changed or removed, leading to an annoying increase in fragmentation issues.

Lack of usage policies: The creator of Android, Google, has been quite lenient in allowing app developers to tweak and tweak it to suit their purpose. This no-rules approach has allowed all the Tom, Dick and Harry developers to run amok, resulting in small-town apps sharing silo space in the Google Play Store. How do we make sure only quality apps make it to Play?

Software and hardware diversity: Multiple versions of the software being released quickly raises an application compatibility issue for more than one version. When it comes to hardware, the market is flooded with smartphones of all screen sizes, operating mechanisms, and processing speeds, adding to the headache for application developers to ensure satisfactory performance of their applications on these devices.

marketing depression: Once an app is ready for sale, the app developer must pay Google a fee upfront to host their app. Google examines the app to detect and remove any malware, which causes considerable delay in the marketing aspect. The temptation to include ads in apps can provoke the ire of users. You also have to watch the appearance of the patent, lest someone sue for plagiarism.

alternative solutions

While lasting solutions may not solve every challenge, there are workarounds available that should help you get ahead.

Software and Hardware: It must be accepted that a single application may not satisfy all mobile devices with different versions of Android. Diversity in hardware and software is a reality that must be accepted. Fortunately, hardware today shows flexibility to run applications based on different versions of Android. App developers need to do some research on target devices and versions and decide the best option to target their apps.

Marketing: Once again, research plays an important role. Identify the target users and devices so that you can earn revenue through the use of the app from this target group. This would also free you from the need to use ads in your app to drive your users away. Or, make your app so easy to use that users don’t mind finding a couple of little ads on the side.

Conclution

The challenges can be endemic or scattered, but those involved in Android app development find ways to overcome these problems. Diversity on Android can be both a boon and a bane depending on how we approach app development. To reiterate, thorough research and a passion for achieving your intended goal will allow you to navigate through teething problems and successfully launch your app. Ready, Set, Go!

Business

Venture capital investors and angels

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Although Venture Capital funding fell during the 2008-2009 fiscal year, venture funding also rebounded along with mergers and acquisitions. There is no doubt that there have been difficult times for both entrepreneurs and venture capitalists. There are signs that venture capital funding will return to the norm in early 2012. There is no question that, in most cases, when entrepreneurs seek to raise capital from angel investors or venture capitalists, the odds are nearly they are always against the employer.

In most cases, the entrepreneur ends up dealing with conservatives who invest in start-ups, which is quite high risk for the investor. In any case, for an entrepreneur to have any chance of getting venture capital, he has to do a lot of work and research to make sure everything is right and that the investor agrees with the research. The most important thing to keep in mind here is that he must make sound decisions in his business plan and all his research when he is going to propose his company to an investor.

When it comes to different industries, VC firms typically invest in the industries and sectors in which their partners have experience. In most cases, this mainly depends on the company itself and the experience of the partners of that company. Through the services you can get online, you can gain access to many investors with a wide range of experience in different industries. There are thousands of investors with all sorts of industry, geographic, and stage preferences. All these preferences are very important when choosing investors.

The difference between angel investors and venture capitalists is that, on the one hand, angel investors invest their own money, while venture capitalists invest money from the funds they manage. Also, angel investors are not professional investors, while venture capitalists and other institutional investors are professional investors. What does this mean? Well, it’s quite simple. Angel investors generally invest their own money, and since it is their own money, they have a wide range of different reasons for investing it. On the other hand, venture capitalists and equity investors invest professionally and do not invest their own money. Institutional investors typically work for a private equity firm or, in the case of venture capitalists, a venture capital firm. These companies manage the capital and the money invested usually comes from different companies. These funds may come from pension funds, endowments, or the private funds of wealthy families.

Home Kitchen

Kitchen Furniture Buying Guidelines

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Whether you have a large or small kitchen, or a wide or narrow kitchen, you should select your kitchen cabinets and plan your layout carefully to ensure a stylish look and ample workspace. On top of that, you have to consider the cost of installing the furniture you choose, as well as the cost of maintaining and repairing it. Also, you should look for furniture that also offers ample storage ideas.

Important questions to ask before buying kitchen furniture:

Before selecting furniture for your kitchen, you should consider some important questions and make your purchase decision based on the answers to these questions. The first and most important question to ask yourself is about the topic of decorating your kitchen. Therefore, you should assess whether you have a modern or traditional kitchen and look at the color scheme of your cabinets and other accessories to ensure that the new furniture you buy fits the theme of the decoration.

Size Matters:

Next, you should consider the size of your kitchen and look for furniture whose dimensions are proportional to the size of your kitchen. Therefore, if you have a large kitchen, you should look for large kitchen tables, chairs, and vanities. On the other hand, if you have little space in your kitchen, you should look for smaller furniture that fits well and does not take up space. Apart from the size of the furniture, you should look at the storage options that the different pieces offer you and select the one that best suits your needs.

Another important question to take into account when buying kitchen furniture is whether you want a fully assembled set or not. This decision will also affect the cost of the furniture and you should make sure that the piece you select is within your budget and meets all your requirements. The cost of furniture also depends on the material used to make it. Thus, a wooden kitchen countertop will be more expensive than a steel one. However, while the former is suitable for country-style homes, it requires a bit of maintenance compared to the latter.

Sense and Sensibility:

Whether you opt for sleek, contemporary furniture for your kitchen or ornate wooden furniture for your country-style kitchen, you should try to strike a balance between style and space when planning your furniture layout. You can always take inspiration from the pages of glossy interior magazines or search the net for some innovative ideas. However, it is not enough to buy and place the kitchen furniture and you have to take care of it so that it looks good and lasts a long time.

Digital Marketing

Finding Student Strengths: Storytelling and Multiple Intelligences

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As an arts integration teacher, I often use storytelling as a teaching tool and have recognized that when I demonstrate various methods of telling a story, I use at least one of Howard Gardner’s eight multiple intelligences.

Gardner defines intelligence as the ability to solve a problem or create a product in a naturalistic environment; In other words, according to Gardner, the question is not whether someone is smart, the question is how someone is smart. To answer this question, Gardner states that we all have eight intelligences, although some of us are more dominant in some than in others. From this, I figured that every time I diversify my storytelling methods, I’m essentially giving my students a chance to show me new abilities and strengths.

Below are eight methods I have used to teach storytelling with examples of how each connects to one of Gardner’s eight intelligences.

1. Traditional word-only storytelling: Students tell a story based on their personal experience, poems, songs, or other form of writing. The words act as the centerpiece. This approach interacts with Gardner’s verbal-linguistic intelligence, ultimately increasing students’ opportunities to display effective use of words and phrases.

2. Movement Stories: Students tell stories in narrative form; however, the movements and gestures are seamlessly integrated into the story. This method highlights Gardner’s bodily kinesthetic intelligence by allowing students to demonstrate their skills through the interplay of words and body movements.

3. Picture Cues: Students look at pictures and tell a story depending on the visual cues. According to Gardner, this method reflects visuospatial intelligence. This technique encourages students to use visual images not only to initiate thinking about the story, but also to elaborate on the story’s evolution.

4. Music Enhanced Stories – Students tell a story accompanied by background music to set the tone or enhance the mood. This format allows the music to help facilitate the student’s ability to tell the story, exemplifying Gardner’s musical-rhythmic intelligence.

5. Journal or Journal Stories: Students tell a story based on personal feelings, ideas, and thoughts from journal or journal entries. The restructuring of these entries invites students to think about the content introspectively, thus aligning this process with Gardner’s intrapersonal intelligence.

6. Group Stories: Students tell a story as a group. When placing students in groups to create a story, students must work cooperatively and collaboratively; as a result, this method demonstrates Gardner’s interpersonal intelligence.

7. Fauna and Flora Stories: Students tell a story that they have told before, but anecdotes related to nature should be incorporated. Since this approach forces students to be more sensitive to their natural environments, it exhibits Gardner’s naturalistic intelligence.

8. Object Connections: Students build on an existing story related to an inanimate object. This method requires students not only to use prior knowledge, but also to make logical inferences. Since students are showing their ability to establish logical reasoning patterns, this practice fits well into Gardner’s logical-mathematical intelligence.

I can’t believe how these eight storytelling methods have made such a difference in the way I view my students’ intelligences; Plus, my students say they love the challenge of showing off their skills and abilities in more ways than one.

Relationship

How to keep your home properly organized with high standard laundry room storage cabinets

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In today’s busy life, there seems to be no time for almost everything. As much as possible, you should save time on every little thing you do, and this includes washing. Laundry room storage cabinets were conceptualized to help you improve why you do laundry and organize your cleaning supplies and other household necessities. The following laundry room storage cabinets are compiled and reviewed for your benefits.

Ameriwood Laundry Cabinets

Ameriwood is known for quality furniture products with high-end construction. The Ameriwood P104W White Laundry Cabinet is one of their quality products at a reasonable price. This cabinet has an adjustable shelf and comes in a 3-door design. This cabinet is ideal not only in laundry rooms but also in kitchens, pantries and garages. It comes in a white finish that gives a clean and uncluttered look to this room. The cabinet is also built with quality durable material.

Prepac Elite Storage Base Storage Cabinet

The Prepac WED 1636 Elite Storage 16-Inch Base Cabinet is a contemporary storage cabinet with one 20-Inch long drawer. The cabinet provides ample storage space and helps eliminate clutter in your room. The storage cabinet base is 1-inch thick and constructed of melamine, making it strong and durable. The furniture is available in a white finish with a gray top. Other cabinet features include smooth-edged doors, attractive Euro-style hinges, designer hardware, and heavy-duty drawers.

Elite Home Fashions Europe Hamper Cabinet

Eliminate clutter in your laundry room storage with these cabinets. For only $135.00 you can now have a clean and sophisticated laundry room. The Cesto Europa Cabinet is built with a white finish and a natural veneered surface. It has a sleek yet strong design, making it perfect for families with a lot of laundry.

Health Fitness

Building a storage shed ramp

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Storage shed ramps are a part of life that people don’t think about until they need to use them. Sort of like a bath but not as serious. Not being able to use the toilet has certain catastrophic implications, while not being able to use a shed ramp means taking the lawnmower to the garage, where its biggest crime will be competing with the car for valuable storage space.

Shed ramps are built with edge stirrups from the shed wall below the door, down to the floor. These boards are called stringers. I don’t know why they are called stringers, they just are. I know the rope isn’t very strong, surely not strong enough to hold a lawn mower, so it doesn’t come from the rope. But when you put a board on its edge and use it to support a ramp or stair, it’s called a stringer. Anyway, after running the stringers from the shed floor level to the ground level and then placing deck boards over them, you will have a shed ramp. It’s that easy. The only hard part is calculating the slope of the shed ramp and the resulting cuts in the wooden stringers.

A good shed ramp has the perfect slope. Not so steep that you have to check and see if you’re pushing the mower off a cliff and not so shallow that you stick out into the yard enough to set up lawn chairs and have a barbecue. The perfect slope is about 3 inches in height for every foot of travel. What this means is that the floor of a shed that is 12 inches off the ground would have a ramp that is 4 feet long. Of course this slope is purely personal. I’ve had good luck with that and so I’m preaching it as the “law of shed ramp slope”. So, after you determine the slope of your shed ramp, you can start figuring out how to cut all those angles so that the ramp stringers sit flat on the ground and so that the top of the stringers sits flush against the ground. shed. wall.

The trick to getting these cuts right is to have someone else do the math for you, and then use their knowledge to build your ramp. Using a graph that has all the slopes of the ramps solved for is one of the easiest ways to get a shed ram with a perfect slope. Simply calculate the floor to floor height and then follow the diagram to learn the lengths of the stringer cutouts. Then mark the cuts on your 2×6 board and cut.

After cutting the first stringer, you should test it by placing it against the shed wall and checking the cuts to see if they lay flat on the ground and against the shed wall. Remember to make sure the ground where the rail of the shed ramp touches the ground is flat and level, otherwise the ramp will not sit flat on the ground. Once you’re happy with the first rung of the ramp, you’ll take it and trace its outline onto the other rungs and then cut them.

Once the ramp stringers are cut, you are ready to screw them to the ledger board that will hold the stringers to the shed wall. They are bolted before everything is attached to the shed wall so the connection between the stringer and the stringers is stronger than if you bolted them to the stringer after the stringer is attached to the shed wall. Once the stringer and stringers are screwed in, you are ready to use 3″ long lag screws to screw the stringer board to the shed wall. Use 1 lag screw approximately every 12″ starting 4″ from the end of the stringer. This will give you 4 bolts on a 4′ wide shed ramp.

The final step is to lay the deck boards. I would recommend using the 2×6 lumber for the decking boards, such as a patio deck. Simply attach them to the stringers with 2-3 inch long screws in each stringer. Deck boards should be spaced with at least 1/8″ of space between boards so water can run down the ramp and also allow boards to expand and contract with the weather.

When all the deck boards are installed, you are ready to use your new shed ramp. Simple as it is, there’s a certain satisfaction in rolling your mower down a ramp you built. I would recommend trying the ramp only a few times because getting the mower in and out of the shed more than 4 times in a day constitutes a need to go to the bathroom.

Legal Law

Diamond appraisals: worthless or worth it

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Diamond appraisals can be tricky business. First of all, just about anyone can call themselves an independent jewelry appraiser. There is no law that requires appraisers to be licensed in the same way that lawyers and doctors are.

Grant it, there are associations, schools and institutes that jewelers can attend to become qualified to appraise diamonds, but even then, an appraiser’s “say so” doesn’t necessarily make it so.

I’ve been reading where some jewelry appraisers are secretly on the jewelers’ payroll in exchange for undervaluing competing items (which could ultimately result in lost sales).

Second, appraisals are not the same as diamond grading certificates or reports. I have seen undercover investigative reports done at mall jewelry stores, where employees show a reporter their “certificates” containing appraised values ​​of various stones.

An employee would say something like; “We are selling you this engagement ring for $900, but you can see from this diamond certificate that the stone was valued at $2,200.”

What deal, right? Well, ding ding ding – red flag!

For one, reputable diamond reports, such as those by the GIA, AGS, and GCAL, do not offer appraisal values, but rather provide their independent assessments of the stones’ clarity, cut, carat, and color. The price of making a report may be in the report, but not in a figure that indicates how much a diamond is worth.

Next thing is: don’t get sucked into the hype of an engagement ring “blowout sale.” If a particular diamond appraisal is one that a jeweler can invest in, you can bet your bottom dollar that the jeweler would sell the stone for $2,200 and not $900.

Many jewelers can afford to offer big sales because they are initially selling engagement rings at 200-300% above wholesale prices. And if you inspect those cheap engagement rings, don’t be surprised to find that they are poorly cut or have poor clarity.

And if you decide to buy that “reduced price jewelry”, good luck returning it and getting your money back. They may tell you that there are no refunds on sale items.

When shopping for an engagement ring online, go with highly reputable retailers like James Allen or Amazon. They offer a wide range of quality parts to fit any budget, plus iron-clad 100% money-back guarantees in case you’re not happy with your purchase.

Profile of an accredited jewelry appraiser

Simply put, you want advice from people who are trained to appraise jewelry and have professional experience in the area. Review this checklist to see if your potential appraiser meets the requirements for an accredited appraiser.

1. As a minimum, have your diamond appraised by a Graduate Gemologist (“GG”) or comparable member of the Gemological Institute of Great Britain (“FGA”). The ‘GG’ is the most prestigious credential in the jewelry industry.

Professionals with these qualifications underwent rigorous approaches to compare, grade, identify, buy, and sell stones.

Note, however, that neither “G.Gs” nor “FGAs” were taught to evaluate stones. Ideally, a jewelry appraiser should have the best gemological credentials, as well as additional training and certification from an accredited appraisal organization.

2. Does the person doing the appraisal have references? Ask for references. An experienced professional appraiser should be able to give you references from places like banks and trust companies.

3. Have your diamond appraisal done by an independent third party, not someone associated with a jewelry store. When reviews are issued in-store, they are usually done in order to get customers to buy the merchandise from that particular store.

What you want is someone who doesn’t give a damn whether you buy the ring or not, will appraise an engagement ring. The typical store clerk who enthusiastically gives you his “expert opinion” is neither independent nor professionally qualified to give an assessment. Therefore, take the store clerk or store valuation with two “grains of salt.”

Some popular independent appraisers include the Association of Accredited Gemologists, the American Society of Appraisers, and the National Society of Jewelry Appraisers.

Anatomy of a Diamond Appraisal

An engagement ring is something you’d want to treasure, but if you or your partner lose your ring, then you’ll want to have some sort of fallback position: insurance.

Some people think that if you buy a ring for $2,000 and insure it for $4,000, if the ring is lost, the insurance company will just write a check for the $4,000. Well, we all wish it were that simple, right? So?

An insurance company would want to see the valuation of your ring to help them come up with a payment figure. But if the appraisal doesn’t contain an explicit and precise description of the ring, be prepared for the probability of getting a payout much less than the sum insured.

Because when the insurer goes to a jeweler and says that they normally sell this ring for $2000, how much will they sell it to me? if the jeweler says $1000 or $1200 then that is what she will get.

But if the valuation contains the relevant information and is reliable, then you have a better chance of getting a suitable in-kind replacement. Why “in kind”?

Because insurance contracts often limit cash settlements. Also, since insurance companies have volume buying power and purchase agreements with their providers, they can get appropriate replacements for much less than consumers can get.

Since there are different types of jewelry insurance policies, I advise you to speak with your agent or broker for more details on your options and settlement practices.

At a minimum, a thorough evaluation of the jewelry will have the following:

A photo of the jewelry.

Style number, diamond mark, shape, measurements, and weight.

The 4Cs of Stone: Color, Clarity, Cut, and Carat Weight.

The laboratory that issued the diamond grading report and the report number.

metal carats

The type of construction, craftsmanship and design.

The date, the name and signature of the appraiser, the information in the addendum and the rating page.

The value and the object and function of the appraisal. For example, was the diamond appraised at market value for tax purposes or retail value for insurance purposes?

Transparency in jewelry valuation

A credentialed appraiser is one thing, but the appraisal process itself should be one that takes place in front of you. So, a transparent appraiser:

Do not ask for the diamond to be removed from the setting. You want to protect yourself from an appraiser exchanging your stone for a lower quality one. Although, there is greater precision in valuing a loose stone than one still in a setting.

Weigh a loose stone in front of you before the evaluation begins and after the process is complete.

Clean the piece in front of you

You are only given ranges in clarity, color, and color if the stone is appraised while mounted. According to leading diamond expert Fred Cuellar, the highest grade for a mounted diamond is VS1 clarity and G color.

I won’t give you an exact figure for the value of a piece of jewelry, but rather give you a range.

He will not ask or offer to buy your jewelry or sell you one of his own.

We will not charge you a fee based on the value of our jewelry. This should help remove the temptation to overprice the merchandise.

You want to know if you want the discharge, wholesale, retail (fair market), or higher value of your merchandise.

While appraisers aren’t gods, ideally you’ll only want to deal with an appraiser who fully stands behind their work. That is, there will be no disclaimer in the appraisal that says that the appraiser will not be responsible for any action taken with the appraisal.

If an appraiser does not stand behind their work, then there is little point in having the appraisal done in the first place.

Lifestyle Fashion

Sinus Pressure – Unknown, Fast Acting, Non-drug Relief

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Not long ago, an ancient and simple Eastern way of treating common ailments, including sinus pressure, congestion and pain, was discovered and is now being used by thousands in the Western world. This mostly unknown fast-acting relief method is called acupressurenot to be confused with “acupuncture” which, although based on the same healing principles, is much more invasive and requires a professional physician to perform.

Acupressure uses the fingers to press key points on the skin’s surface to stimulate the body’s natural self-healing properties. Asian cultures believed that these points were special path junctions that carried the human energy called chi. Interestingly, Western scientists have also mapped and proven the existence of this point system on the body through the use of sensitive electrical devices. Stimulation of these points with pressure triggers the release of endorphins, which are neurochemicals that relieve pain. As a result, pain is blocked and the flow of oxygen and blood to the affected area is increased. This causes the muscles to relax thus promoting healing.

Stress can be more damaging than many realize. It tends to concentrate around the acupressure points. When due to trauma, chemical imbalances, fatigue, or when a muscle is chronically tight or you are under a lot of stress, you may have noticed shortness of breath. By applying finger pressure to the appropriate acupressure points, you may be able to relieve chest tightness and breathe easier. Acupressure can also be very beneficial in helping the body rebalance itself. How? Dissolving tensions and stresses that inhibit the immune system, and that tend to prevent the proper functioning of our body’s organs. By applying the right amount of pressure to the right points, muscle tension dissolves, allowing muscle fibers to stretch and relax. Then the blood can flow freely and the accumulated waste substances can be better released and eliminated; allowing a better entry of oxygen and nutrients in that area.

Now that we better understand how acupressure works and why it can benefit you, let’s try one acupressure point of many that can relieve sinus pressure in a matter of minutes:

In the center of the back of the head, in the large hollow below the base of the skull, where the bone ends and the soft tissue begins. You will know the exact location of the point by a well-defined pain that you will feel when you press it. Using your middle or index finger, press firmly and steadily for 3-5 minutes. Before you finish doing this acupressure point, your sinuses should have started to flow nicely. If they don’t, you should check to make sure you found the correct acupressure point. Acupressure should not be done right after a meal. You can do this technique several times a day, as needed.

When used correctly, this ancient healing system could make the difference between healthy sinuses or sinus misery.

Pets

DUI Lawyers in San Francisco

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A San Francisco DUI lawyer can help you with several different aspects of your case if you ever find yourself fighting a charge in the Bay Area.

DUI laws in San Francisco are governed by the general California DUI statutes listed in section 23152, subdivision (a) and 23152, subdivision (b) of the Vehicle Code. Charge (a) is the traditional DUI charge and (b) is what is commonly known as the per se charge, which means you drove with a blood alcohol concentration (BAC) of .08% (the legal limit in CA) or greater.

San Francisco is known for being a bit stiffer with these penalties and tougher with sentencing related to DUI offenses, as in California there are minimum sentences and maximum sentences which give judges in San Francisco a great deal of leeway. within each individual case.

DMV Implications

Once arrested for a DUI at the police officer will take your CA driver’s license in accordance with state law. You will be issued a pink piece of paper that will serve as your ‘interim’ driver’s license until the DMV formally suspends the driver’s license. The pink piece of paper is DMV Form DS-367 and it has the 10-day requirement written on it, which means you can challenge DMV’s driver’s license suspension due to DUI simply by scheduling a DMV hearing within of the 10 days.

San Francisco DUI Lawyers – What Can They Do For You?

Realistically, they can prevent the DMV from suspending their driver’s license by fighting and winning the hearing with the DMV, as well as challenging the charge in the San Francisco courts. At the very least, you should speak with an aggressive DUI attorney for a free consultation to discuss your case and see what the possible outcomes may be for your situation.

Real Estate

California Hard Money Lenders

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There is a strong demand for housing in California. That’s the good news. The bad news is that few can afford it. The market has spiraled out of control, leaving investors thinking of other solutions. Many are turning to hard money lenders.

The demand for housing in California.

The California Association of Realtors says essentially all of California is freaking out right now. Demand for houses has spread to bizarre levels. That’s the good news because it implies that if you’re an agent working in that area, you have a lot of potential clients wanting your services.

And the bad? Few people can afford most of the homes currently on the California market. They are unaffordable.

The joke in the real estate industry is that if you want to buy a house in California, sure, you can buy a box. A relatively short time ago, Los Angeles real estate news traveled the country comparing results for $100,000 properties. In suburban Detroit, you could buy a castle for that much; in Ft. Lauderville, an orange villa; in Chicago, a stunning condominium near the lake; and in Manhattan, 200 feet. from the earth. California was no better with maybe a small parcel you could rent from an honest landlord with plumbing and utilities included.

Of all areas in California, San Francisco is the most expensive place in the country to buy with a median sales price of $1,312,500, according to the California Association of Realtors (CAR). The rest of ‘this golden city’ isn’t much better. In Los Angeles, the median home price is $486,310. But homebuyers who want to live in the most desirable areas of Los Angeles will pay much more, and inventory is tight.

And then you will need a loan…

Government-backed conforming loans are capped at $625,500 in high-priced areas. So unless investors can make a substantial down payment to qualify for a Fannie Mae, Freddie Mac or FHA loan, the only way many Californians can finance their mortgage will be to consider other alternatives.

One of these would be visiting hard money lenders

Hard money lenders: what are they?

More than half of all hard money loans originate and close in California, and the number of hard money lenders who live and make offers from this expensive city is growing all the time.

Hard money lenders are independent lenders who dole out their own money to people who need a loan. The money depends on the value of the collateral rather than the borrower’s credit history or FICO score. Other advantages are that the process is simple and fluid, the personal environment, the loan schedule and the flexible terms; and the process as fast as two days. (Some borrowers actually receive billing the same day.) Disadvantages include a low loan-to-value ratio (as low as 50-60%), which means your property can be valued at much less than it is. And you have to pay high interest rates. If you don’t pay, you risk losing your property. For these reasons, many consider applying for hard loans only if they absolutely need them and cannot obtain the loan through traditional means. They then apply for the loan if they need the loan in the short term and are confident that they will be able to repay it.

Hard Money Lenders in California

Get ready for hours of browsing. Hard money lenders in California are a group by themselves. In fact, many hard lender directories add an additional page for lenders in California. You’ll find as many as 200 or more if you take the time to do your research and use multiple engines. California is considered an exciting market by lenders, no wonder with its high prices and growing demand! The advantage for you is that you will find reasonably competitive prices. Be prepared to negotiate on times, schedules, and fees. And always investigate credibility. Lenders in California must obtain a license through a California regulatory agency and through the National Mortgage Licensing System (NMLS).

Other than that, make a business plan outlining how you want to use the money and decide what loan you want. Lenders cater to different customers and provide various loans.

The summary is this…

Housing costs in California are notoriously high, leading professionals to consider buying instead and seeking loans to ease the process. The biggest challenge for these borrowers is not income, but having enough money for the exorbitant down payment. (This can sometimes be as high as 20%). Alternatives such as a provisional hard loan could prove useful; many borrowers tend to snag a bank loan later to verify payments. You’ll want a wise and trustworthy broker who can help you make one of the most important decisions of your life.

California hard money lenders could be your answer.