Hot Original Handbags from Razzybags

Written by Wendy Owen

Tired ofrepparttar same old monogrammed designer bags? Want a purse that won't be onrepparttar 141975 arm of every Trish, Dana or Harriet? Then Razzybags isrepparttar 141976 place for you!

Specializing in hand made purses and accessories since 2003, Razzybags has something for everyone. From furry trimmed evening silk purses to artsy bohemian totes, Razzybags caters to all tastes and styles.

No matter what your style is, one thing is for certain: every Razzy bag is made with meticulous attention to detail and is an authentic original. Founder and CEO Dawn Beer said:

"Most of my handbags are one of a kind. I like to make them unique, so that when you are out, you will not meet someone with a bag identical to yours. The attention to detail is remarked upon quite a lot, and I strive for high customer service."

Customer service is a top priority for Razzybags, right behind making quality products. Here is what one customer had to say:

The bag arrived this morning, after only placingrepparttar 141977 order yesterday. Fantastic service. I am very pleased withrepparttar 141978 shoulder bag, it is just what I was looking for! The attention to detail is superb, I would recommend you to anyone and I will be purchasing from you inrepparttar 141979 future.

Based out of Broad Haven in West Wales, Dawn overseesrepparttar 141980 entire production of her handmade bags. Her studio's creations are currently in high demand, up 300% from last year. Though she has no formal training, Dawn learned to sew from her seamstress mother at an early age. After six years of working inrepparttar 141981 fabric industry, Dawn began designing her own purses for fun. Shortly thereafter, her hobby turned intorepparttar 141982 designs that you see on today.

Apartment Loan 101

Written by Cameron Brown

So you’re interested in going into business as a property manager? Have you given any thought yet to you’ll enter this potentially profitable market? Reality check-unless you’ve just inherited a large sum of money from a relative or are otherwise independently wealthy you’re going to find someone to borrow from. This is where an apartment loan comes in.

Before you visitrepparttar local bank or other lending institution, it may be wise to ask yourself how long you plan to ownrepparttar 141915 apartment building or complex. Are you investing forrepparttar 141916 long-term? Answering this question will significantly influencerepparttar 141917 type apartment loan you should get.

If you are planning to ownrepparttar 141918 property for two years or less, most experts agree that an apartment loan with an adjustable rate mortgage (ARM) will be your best bet. Likerepparttar 141919 name suggests, an ARM is a loan will an interest rate that may change with time in accordance with various factors. ARM apartment loans usually offer a better initial interest rate than other loans to offsetrepparttar 141920 risk of future interest rate changes. An interest rate ceiling that may be reset annually also protectsrepparttar 141921 mortgage holder. If you plan to stay inrepparttar 141922 property management business forrepparttar 141923 long-term, you may want to look at getting a fixed rate apartment loan. A fixed rate loan guaranteesrepparttar 141924 same interest rate overrepparttar 141925 life ofrepparttar 141926 mortgage.

Supposing interest rates are historically low atrepparttar 141927 time you securerepparttar 141928 apartment loan, this type of loan will lock you in atrepparttar 141929 best rate possible. Onrepparttar 141930 other hand however, if interest rates are historically high atrepparttar 141931 time ofrepparttar 141932 loan, you might be stuck paying interest at a higher rate than you would have with another type of apartment loan.

Another important question to answer before seeking an apartment loan source isrepparttar 141933 approximate cost ofrepparttar 141934 property. This may seem like a no-brainer when looking for an apartment loan, but too many first-time investors just takerepparttar 141935 interest rates they’re given without question. Ifrepparttar 141936 apartment building you’re interested in is selling for over $500,000, a direct lending source or investment company can usually give you a better interest rate than most banks or credit unions. However, if you’re looking at a smaller apartment building selling for less than $500,000, you may want to check interest rates atrepparttar 141937 local bank.

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