Elisa Spence Coldwell Banker Residential Brokerage


In today's world, they are many ways in which people burn fat. While some rely only on rigorous exercising, others are on the side that using supplements with moderate exercising is more effective. However, knowing what types of supplements work can be quite confusing. There are a variety of weight loss supplements in the market that producers often advertise as "magic pills," but upon using it, you'd find out it was just a sham and harmful to the body. When next you want to purchase a natural weight loss supplement, here is a list of the most effective ones to consider: 

1. Green tea extract

Green tea extract is just a concentrated form of green tea. It offers all the health benefits of green tea in a convenient capsule or powder form. It is very rich in polyphenol epigallocatechin gallate to help you burn fat through thermogenesis. For the best result, you should take 250mg - 500mg of green tea extract daily. This is similar to drinking 3-5 cups of green tea daily. 

2. Caffeine

Caffeine is a substance found in tea, coffee, and cocoa beans. Taking caffeine helps you enhance your body metabolism and lose weight. Studies have shown that caffeine helps the body burn more fat as fuel. You don't necessarily need to take caffeine as a supplement; you can drink a strong cup of coffee. 

3. Soluble fiber 

Fibers come in two forms- soluble and insoluble. Soluble fiber aids the absorption of water and produces a gem-like substance. Studies have shown that soluble fiber can help burn fat by curbing the appetite. Also, soluble fiber can help slow the delivery of nutrients to the gut, which makes you feel full for a more extended period. In addition to that, soluble fiber can also help you burn fat by decreasing how many calories you consume from food. Some wonderful soluble fiber supplements include psyllium husk and glucomannan. 

4. Yohimbine

Yohimbine is a substance found in the bark of the tree (Pausinystalia Yohimbe) in Western and Central Africa. Yohimbine is an aphrodisiac, but also contains the properties that can help you lose weight. This substance works by obstructing receptors known as alpha-2 adrenergic receptors that suppress fat-burning. Since yohimbine obstructs these receptors, it prolongs adrenaline effects and helps in the breakdown of fat for fuel. 

Do not be deceived though; there is no "magic pill" that can help you lose weight in a week. However, natural weight loss supplements combined with exercising and a good diet can help you lose a considerable amount of weight. If you're looking to lose weight naturally, stop by the grocery store and purchase some supplements today!


The homebuying journey should be fast and seamless, but problems may arise that prevent you from accomplishing your desired goals. For example, if a buyer with a poor credit score fails to get financing before submitting an offer to purchase a house, this individual may struggle to acquire his or her dream residence. Or, if a buyer fails to evaluate various housing market data, he or she may miss out on opportunities to purchase the right house at an affordable price.

There is no need to worry about homebuying crises. Lucky for you, we're here to guide you along the homebuying journey and ensure you can mitigate problems that otherwise may make it difficult for you to buy your dream house.

Avoid homebuying crises – here are three tips to help you minimize the risk of encountering problems during the homebuying journey.

1. Learn About the Local Housing Market

The housing market is complex, regardless of whether you are pursuing residences in small towns or big cities. Fortunately, plenty of housing market data is available to help you understand real estate patterns and trends. This information can help you map out your homebuying journey based on the current housing market's conditions.

Typically, it helps to look at the prices of recently sold houses in your preferred cities and towns. This information highlights whether house sellers are receiving offers at or above their initial asking prices and may help you differentiate a buyer's market from a seller's one.

You also should examine the prices of available houses that match your homebuying criteria. That way, you can hone your home search and accelerate the homebuying journey.

2. Get Pre-Approved for a Mortgage

Believe it or not, it usually does not take long for a homebuyer to get pre-approved for a mortgage. In fact, banks and credit unions can quickly teach you about different home financing options and ensure you can make an informed mortgage decision.

If you receive pre-approval for a mortgage, you can enter the housing market with a budget. Then, when you discover your dream house, you can submit an offer to purchase with home financing in hand.

3. Work with a Real Estate Agent

A real estate agent is a must-hire, especially if you want to limit the risk of potential crises during the homebuying journey. With a real estate agent at your side, you can identify homebuying problems and resolve these issues before they escalate.

Generally, a real estate agent will support you at each stage of the homebuying journey. He or she first will learn about you and your homebuying goals. Then, a real estate agent will create a personalized homebuying strategy to help you accomplish the optimal results. And if you have concerns or questions during the homebuying journey, a real estate agent is happy to respond to them.

Prevent homebuying crises – use the aforementioned tips, and you can increase the likelihood of a successful homebuying experience.


Over the years, mortgage options were likely limited to what a person's local bank was willing to offer him or her. But today's new marketplace provides several fresh opportunities. With the continuous influx of alternative lenders, many homebuyers are now fully ready to connect with lenders all over the nation. Online, they can check out several loan systems to the extent of choosing their preferred way of borrowing. 

For the first-timer or homeowner looking to refinance a family homestead, alternative lenders are worth considering as you begin the loan-shopping process. 

What is an alternative lender?

Succinctly, an alternative mortgage lender is a non-bank entity that provides you with home loans. These lenders offer homebuyers benefits they won't get if they go through their local banks. 

Today's market is getting more intense and saturated with lenders from which to select and brokers who will utilize that extensive knowledge and experience to help homebuyers navigate the arena to get the best mortgage.

Also, you may notice that your bank mortgage options restrict applicants with low credit scores or poor employment history. If you may fall into any of these categories, then you will need to embrace alternative mortgage lenders since they offer you loan options you won't see anywhere else.

Types of alternative lenders

At the onset, when you start your mortgage search, you will come across two categories of lenders. The direct lender and the middlemen. The direct lender is the business that offers some loan products. Credit unions, banks, and a few online lenders belong to this category. The middle man, on the other hand, includes companies whose duty is to bring homebuyers to lenders. Good examples are the brokers and lending marketplaces.

Although alternative mortgage lenders bring people a step closer to homeownership by reducing the high cost of bank loans, they still have their merits and challenges. 

Advantages

- A quick and straightforward application process

- You may receive the funds within a day

- You can get a loan even if you have a poor credit history

- You can develop a good relationship with the lender to get a lower rate perhaps next time

Disadvantages

- Most of their loans are usually a large amount

- Some alternative mortgage lenders may charge you hidden fees

Choosing to get your home through alternative mortgage lenders is a personal choice. However, it is exciting to know that there are more options when it comes to financing your home. Before choosing a lender, seek pre-approval from both a traditional lender and an alternative lender.


A home inspection is a vital part of every real estate transaction. Its importance is usually solidified in a purchase contract in the form of a contingency clause.

Whenever you buy or sell a home, the transaction is typically contingent upon a few things being fulfilled. Inspections help protect the buyer from purchasing a home that they believed didn’t have any major issues.

For buyers, an inspection can save you thousands in the long run. For sellers, getting a preemptive inspection done (on your own dime) can be useful since it will help you avoid any surprises that could arise when a potential buyer has your home inspected.

Hiring a home inspector

Regardless of whether you’re the buyer or the seller in this instance, hiring a home inspector isn’t something you should take lightly. You’ll want to confer with your agent before you pick an inspector.

It’s also a good idea to check out some online reviews and visit the inspector’s website for pricing. Typically, inspectors charge between $200 and $400 for an inspection, so feel free to shop around.

Inspectors are certified, so make sure whoever you choose has the proper licensure. You can search for inspectors in your area with this search function.

Ultimately, you’ll want to choose an inspector that can give you the most unbiased assessment of the home, so that you can be assured that you know what you’re getting into when you buy or sell a home.

Preparing for an inspection

Many buyers aren’t sure what to expect on inspection day. However, the process is relatively simple.

You’ll want to make sure the inspector can easily access workspaces (like around the furnace, circuit breakers, etc.). This will make the inspector’s job easier and allow them to focus on the service they’re providing you.

If possible, it’s also a good idea to provide them with records of important home maintenance and repairs. Inspectors know what red flags to look for with the home, both physically and on paper.

Finally, make sure pets, kids, and any other distractions are away from home or with someone who can attend to them.

Post inspection

After the inspection is complete, the inspector will hand you a report and be able to answer any questions you have about their findings. They will give recommendations about the timeline for repairs that need to be made soon or even years into the future.

With this report in hand, you can determine if there are repairs you want to negotiate with the seller if you’re buying a home. As a seller, this report will tip you off to issues that potential buyers will likely have and give you a chance to address them in advance.


If you are not used to the process, moving your home will cost you more than what you budgeted. Your moving costs hinge on how far you’re going, how much stuff you own, and many other factors. However, understanding some of the hidden costs of moving is one of the ways to minimize your moving expenses. Therefore, take a look at the costs and decide if you are paying them or avoid them by considering an alternative. Below are some of the hidden moving costs and how you can avoid them. 

Paying movers to help with packing your belongings

Movers are always ready to help you pack up your belongings for a price. They have specialists as well as a moving team that will assist you in packing your belongings in faster than you could. But, they charge hourly, and you have to pay for their professional service. You can avoid packing cost by doing the packing yourself. You may not be as fast as the professional team, but it is a way of saving your moving cost.

Paying movers to load and unload your belongings

Movers will help you pack and offload your things at a price. The cost may be worthwhile because they are experts that are trained to lift heavy, awkward, and large items. You can also decide to load your belonging at your leisure since many moving companies will drop a trailer or pod container at your home. Also, some movers will even leave their trailer for you to offload your household belongings, giving you the privilege to unload them whenever you feel up to it.

Paying movers according to the weight and quantity of your items

The best way to reduce this cost is to pack only what you need in your new home. Also, check all the things that you have not used for the past three or four years and do away with the ones you don’t need again. 

Stair carry charges

This cost applies when movers take or collect from a higher floor in the house. Also, these charges hold if they have to negotiate steps when moving in and out of your home. The only way to avoid this cost is to make sure that movers don't have to negotiate steps when carrying your belongings. And, what you can do if you are living on a higher floor is to move your items to the main level yourself.

You can realistically minimize costs and avoid several hidden charges once you consider the above tips when moving your belonging to your new apartment. Make sure you ask the movers clearly what all their fees are so that you don't get surprised with an invoice at the end of your move.




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