#valuebased

[loanagainstproperty1]

Comparing Loan Against Property with Other Secured Loans

Introduction

With various loan options available, it’s important to know how Loan Against Property (LAP) compares with others like home loans, gold loans, and personal loans.

LAP vs Home Loans

FeatureLAPHome LoanPurposeAny (business, personal, etc)For buying a propertyInterest RateSlightly higherLowerTenureUp to 20 yearsUp to 30 yearsLoan AmountBased on property valueBased on property cost

LAP vs Personal Loans

FeatureLAPPersonal LoanSecuritySecured by propertyUnsecuredInterest RateLower (8-12%)Higher (12-24%)Loan AmountHigherLowerTenureLongerShorter (up to 5 years)

LAP vs Gold Loans

FeatureLAPGold LoanCollateralImmovable propertyGold ornamentsLoan ValueHigherLowerTenureLong-term (up to 20 years)Short-term (up to 3 years)Processing TimeLongerFast

Conclusion

Choose LAP if you need a large sum at a low interest rate and have property to pledge. Opt for personal or gold loans for smaller, short-term needs.

[seobankfinance]

Why Gold Loans Are a Better Option Than Personal Loans

When in need of urgent cash, people often choose personal loans. However, a gold loan can be a better alternative due to its lower interest rates, quick processing, and minimal documentation. Let’s explore why a gold loan is better than a personal loan in many cases.

Gold Loan vs. Personal Loan

FeatureGold LoanPersonal LoanInterest RateLower (7-12%)Higher (12-24%)Processing TimeQuick (within hours)Longer (1-5 days)Credit Score RequirementNot requiredMandatoryRepayment FlexibilityVarious options availableFixed EMIsLoan AmountBased on gold valueBased on income and credit score

Key Benefits of Gold Loans Over Personal Loans

Lower Interest Rates – Personal loans have higher interest rates as they are unsecured.

Faster Approval – Gold loans require minimal paperwork and are approved quickly.

No Credit Score Impact – Ideal for individuals with low or no credit history.

Flexible Repayment – Choose bullet payments, EMIs, or interest-only payments.

Conclusion

A gold loan is a better option than a personal loan if you need quick cash at a lower cost. With flexible repayment terms and easy approval, it’s a smart way to manage your short-term financial needs.

[hardmoneyloansforrealestate]

Hard Money Loans vs. Traditional Loans: What Investors Prefer

Real estate investors often need quick and flexible financing to seize investment opportunities. When considering funding options, they typically choose between hard money loans and traditional loans. Both have their advantages and drawbacks, depending on the investor’s goals, timeline, and financial situation. This article explores the key differences between these two financing options and helps investors determine which is better suited for their needs.

Understanding Hard Money Loans

Hard money loans & hard money lending are short-term financing options provided by private lenders or investor groups. Unlike traditional loans, which rely heavily on the borrower’s creditworthiness, hard money loans are asset-based, meaning the loan is secured primarily by the property itself.

Key Features of Hard Money Loans:

Speed of Approval: Hard money loans are typically approved and funded within days, making them ideal for investors looking to close deals quickly.

Less Stringent Requirements: Borrowers with poor credit or limited financial history can still qualify since the primary focus is on the property’s value.

Short-Term Duration: These loans usually have terms ranging from 6 months to 3 years.

Higher Interest Rates: Due to the increased risk for lenders, interest rates are generally higher, often ranging between 8% and 15%.

Lower Loan-to-Value (LTV) Ratios: Lenders typically finance 60-75% of the property’s value, requiring investors to contribute a larger down payment.

Understanding Traditional Loans

Traditional loans large balance real estate investment loans are provided by banks, credit unions, and mortgage lenders. They are typically long-term loans with more rigorous qualification requirements.

Key Features of Traditional Loans:

Lower Interest Rates: Since these loans are backed by financial institutions, interest rates are usually lower, often between 3% and 7%.

Longer Loan Terms: Investors can secure financing for 15, 20, or even 30 years, reducing monthly payments.

Strict Qualification Requirements: Borrowers must meet strict credit, income, and debt-to-income ratio criteria to qualify.

Slower Approval Process: Traditional lenders require extensive documentation, property appraisals, and underwriting, which can take weeks or months.

Higher Loan-to-Value (LTV) Ratios: Lenders often finance up to 80-90% of the property’s value, requiring a lower initial investment from the borrower.

Comparing Hard Money Loans and Traditional Loans

FeatureHard Money LoansTraditional LoansApproval TimeA few daysSeveral weeks/monthsInterest RatesHigher (8-15%)Lower (3-7%)Loan TermShort (6 months - 3 years)Long (15-30 years)QualificationBased on property valueBased on credit and incomeDown PaymentHigher (25-40%)Lower (10-20%)Loan SpeedFastSlow

When Should Investors Choose Hard Money Loans?

Hard money loans are best suited for investors who:

Need to close deals quickly in competitive markets.

Have poor credit or a limited financial history but own valuable assets.

Are engaging in fix-and-flip projects and require short-term financing.

Plan to refinance or sell the property within a few years.

Want to invest in properties that traditional lenders might not finance, such as distressed or unconventional properties.

When Should Investors Choose Traditional Loans?

Traditional loans are a better option for investors who:

Want long-term financing with lower interest rates.

Have strong credit scores and steady income.

Prefer lower monthly payments spread over a longer duration.

Are buying rental properties for passive income.

Do not require immediate financing and can wait for loan approval.

Which Loan Type Do Investors Prefer?

The choice between hard money loans and traditional loans depends on an investor’s strategy. Those focused on short-term, high-profit projects such as house flipping often prefer hard money loans due to their speed and flexibility. On the other hand, investors looking for long-term rentals or stable financing favor traditional loans for their lower costs and extended repayment terms.

Some investors use a combination of both, securing a hard money loan for quick acquisitions and later refinancing with a traditional loan to lock in lower interest rates.

Conclusion

Both hard money loans for real estate investors and traditional loans have their place in real estate investing. Investors should assess their goals, financial situation, and investment strategy before choosing the best financing option. Those seeking speed and flexibility may opt for hard money loans, while those prioritizing stability and lower costs might find traditional loans more beneficial. Understanding these options allows investors to make informed decisions and maximize their real estate opportunities.

[cltservices]

Case Study

GESTÃO DAS RESTRIÇÕES NO HTC Desafio de implementação: optimização do fluxo do Serviço de Urgências do HTC

Este case study tem como ponto de partida um projecto de consultoria realizado pela CLT Services numa unidade prestadora de serviços de saúde em Portugal e pretende desafiá-lo a analisar os dados disponíveis e a fazer uso de uma ferramenta da gestão de restrições para melhorar a qualidade do serviço prestado à comunidade.

Histórico:

O Serviço de Urgências (SU) do HTC (Hospital Privado) enfrenta desafios significativos:

Tempo médio de espera por utente: 4.5 horas;

Taxa de abandono sem ser atendido: 12%;

Taxa de burnout da equipa acima da média do sector;

Crescente insatisfação dos utentes;

Perda de receitas.

Objectivo do desafio:

Pretende-se implementar o ciclo POOGI da ToC para optimizar o fluxo de utentes no SU, reduzindo os tempos de espera e melhorando a satisfação da equipa e os resultados dos utentes.

Actuais restrições do sistema SU:

Restrição primária: rotatividade das camas no SU

Número limitado de camas do ED (20);

Longos tempos de processamento de utentes;

Atraso nas consultas de especialidade;

Processo de admissão lento nas unidades de internamento.

Restrições secundárias:

Enfermeiros de triagem limitados durante os horários de pico

Estrangulamentos no diagnóstico por imagem;

Atrasos na resposta de resultados de laboratório;

Procedimentos de “alta” complexos.

MAIS INFORMAÇÕES: CLT VALUEBASED SERVICES           www.cltservices.net mgt@cltservices.net                            [936.000.079/88]

[quantzig]

Pharmaceutical pricing strategies assist customers and manufacturers of active pharmaceutical ingredients 

Role of Pharma Pricing Strategy in the Industry

First, we need to understand the function of pharmaceutical pricing strategies. Advanced analytics for demand forecasting and powerful pricing strategies (used by businesses to appropriately price their products/services, taking into account the costs of manufacturing, packaging, shipping, marketing, adding margins, etc.) methods) can help companies win. The industry can greatly improve its understanding of what drives customer purchasing decisions. Our pharmaceutical clients implement value-based benchmarking of drug prices to maximize profitability using data-driven insights.  

Types of Pharmaceutical Pricing Strategies:

Value-based

Cost-based

Competition-based

Price skimming-based

About the Client

The customer is a well-known German-based European API manufacturer that is well-known for producing pharmaceuticals that are biologically active. It is also a well-known name on the list of API producers worldwide. The client, which was founded shortly after World War II, has over 70 patent APIs under its name.

Despite having large internal teams, the customer wanted to improve the development of their pharmaceutical drugs, so they contacted our specialists to see what they might do.

Business Impact

The customer was able to determine the appropriate price for their product as a consequence of including pharmaceutical pricing strategy solutions, hidden elements driving price, and price bench marking into their decision-making process.

The road to benchmark medicine prices also triggered a quick transformation in corporate culture, moving workers from a value-oriented to a sales-oriented perspective.

Leading pharmaceutical companies have benefited from the expertise of Quantzig to increase sales and acquire a competitive advantage. Contact our specialists right now.

[acwellness]

Why CMS is prioritizing value-based care and how healthcare companies can support this initiative

Why CMS is prioritizing value-based care and how healthcare companies can support this initiative

Created upon enactment of the Affordable Care Act (ACA) in 2010, the Center for Medicare & Medicaid Innovation (CMS Innovation Center) was established to design, implement and test new healthcare payment and delivery models for Medicare and Medicaid. Managed by the Centers for Medicare & Medicaid Services (CMS), the CMS Innovation Center aims to achieve better care for patients, better health for…

[reportwire]

Value-based care focused health analytics startup Clarify Health scores $150M

Value-based care focused health analytics startup Clarify Health scores $150M

Clarify Health, maker of a clinical-analytics platform, announced a $150 million Series D funding round led by SoftBank Vision Fund 2. BlackRock, Memorial Hermann Health System, Insight Partners, Spark Capital, KKR, Aspenwood Ventures, Rivas Capital and Sigmas Group also participated in this funding round. This news comes just a year after the company raised $115 million in Series C funding. This…

[youressentialsblog]

Real-World Data Flow - The Only Way to Change Value-Based Care?

Real-World Data Flow – The Only Way to Change Value-Based Care?

Manan Sheth, Sr. Technical Product Manager at CitiusTech Healthcare interoperability issues have always been confusing, changing, and difficult to address. The reason why is not straightforward: we have a fragmented health system with a myriad of specialized applications that are not universally used. Instead, we have a system where each organization elects which technology tools to use and in…

[mridubhandari]

On Season 2 of @cnbctv18india and @intel present #FutureProofYourBusiness today renowned thought leaders shared insights on moving towards Digital India 2.0 - mega technology trends that will drive us into the future, role of emerging tech in healthcare especially during the pandemic, AI strategies of the Govt and the need for addressing concerns around data and human biases in AI, creating far more satisfying customer experiences in online education, harnessing the power of data and creating a far more inclusive nation. Coming 🔜 on @cnbctv18india 📺 On the panel: Prakash Mallya, VP & MD, Sales, Marketing and Communications Group, Intel India Dr. Sangita Reddy, Joint Managing Director, Apollo Hospitals Group @drsangitareddy @theapollohospitals Dr. V Kamakoti, Head of AI Task Force, Ministry of Commerce and Industry, Government of India Vamsi Krishna, CEO & Founder, Vedantu @radical.vamsi @vedantu_live_tutoring @vedantu_learns @life_vedantu @vedantu.official #digitaltransformation #digitaljourney #digitalindia #edutech2020 #edutech #healthtech #ai #ethics #valuebased #covid19 #emergingtech #machinelearning #cloudcomputing #blockchain #InternetOfThings #IoT #digitalindia2.0 #leaders #cnbctv18 #intel #digitalinfrastructure #digitalworld #newindia #poweroftechnology #emergingtech #datasecurity #data #datascience https://www.instagram.com/p/CFensuAJBFl/?igshid=15dyh86vy3daj

[brownecan-blog]

Valued learning describes the practice of developing skills and behaviors based on values based education. Values such as having a growth mindset shape learning. Visit valuedlearning.org to uncover insights on learning in 2020 and beyond. #values #valuededucation #valuesmatter #valuelearning #motivation #valueteaching #valuebased #valuesbasedliving #postivevibes #positiveeducation #growthmindset #education #educationmatters https://www.instagram.com/p/CDkztIRBAm0/?igshid=12ba1mw4y4lqw

[sourcenetworkfoundation]

Bitcoin steadily climbing 🧗‍♀️ again, Very nice #’s over the past year, & ridonculous 👑 over its lifetime. That’s nothing, compared to where we’re all headed 🥰. #bitcoin #btc #crypto #cryptocurrency #cryptocurrencies #blockchain #ethereum #eth #tokenization #paradigmshift #valuebased #economicsystem https://www.instagram.com/p/B8Nd0jLAJ9l/?igshid=14xwcryaig4eq

[sspaeti]

Very interesting #workshop about #nextGenerationBusinesses with @smartminds.io and @mark.anthony.copeland. No managers and no job descrptions any more, just value based employees. . . . . #futurebusiness #work #workreinvented #entrepreneurship #mindset #future #valuebased #energy #healthyfood #nutrition #continiouslearning (at Bali, Indonesia)

[moneyhealthfinance-blog]

Healthcare reforms must focus on value-based care Despite a downhearted global economic outlook, fuelled by regional geo-political factors and fluctuating oil prices, the Middle East's healthcare sector has continued to grow throughout 2018.

[thoughtleaderglobal-blog]

At the coalface of true craftmanship, Troels and Aase Kvorning have mastered the art of pottery for 50 years and are still going strong #pottery #craft #craftmanship #coalface #creation #denmark #earth #thoughtleader #storiesconnectusall #valuebased #purposedriven (ved Nørager)

[vibrantveganvalue]

Blue Zone Projects

https://www.bluezones.com/blue-zones-project-results-beach-cities-ca/#section-1 (BLUE ZONE PROJECTS)

Local officials engaged Blue Zones Project because their childhood obesity levels were higher than the national average (pre 2010). Stress levels were high, particularly in affluent Manhattan Beach, measuring the same as New Orleans post-Katrina, or in Detroit.

Since Blue Zones Project deployed in 2010:

OBESITY + OVERWEIGHT RATES

25% drop in obese and overweight adults (between 2010-2017). At 12.1 percent, the rate of obesity in the Beach Cities is less than half of the U.S. rate of 28.1 percent – meaning just one in eight Beach Cities residents are obese compared to one in four Americans nationally.

50% drop in childhood obesity rates at Redondo Beach K-5 schools. The number of Beach Cities residents who are above normal weight (obese or overweight) fell from 60 to 50.8 percent. In contrast, 63.7 percent of U.S. adults and 58.7 percent of Californians are above normal weight.

SMOKING RATES

36% drop in smoking (between 2010-2017). The smoking rate in the Beach Cities fell 17 percent to just 8.9 percent of residents – a rate significantly lower than the U.S. (18.8 percent) and California (13.7 percent).

EXERCISE

Now, 65.8 percent of Beach Cities residents report exercising at least 30 minutes a day, three days a week—a 9 percent increase since 2010—compared to just 53.2 percent of adults nationally and 57.7 percent statewide.

OVERALL WELL-BEING SCORE

The Beach Cities collectively earned the highest 2015 Well-Being Index score (65.9) in the U.S., outpacing all 190 metropolitan areas measured.ndividually, Manhattan Beach (68), Hermosa Beach (67) and Redondo Beach (64.8) placed first, second and fifth in the U.S. respectively.CREATING VALUE FOR BEACH CITIES:Since the inception of Blue Zones Project in 2010, improvements in community well-being are valued at:• Savings of $21M in direct medical expenses • Reductions in projected lost productivity of $21M • A cumulative total of $42M in value • $341 average annual per capita valueBased on trends over the past 5 years, we project the total value of well-being improvement by 2020 to be:• Savings of $74M in direct medical expenses • Reductions in projected lost productivity of $51M • A cumulative total of $125M in value • $1,011 average annual per capita value

[youressentialsblog]

Private equity firm doubles down on value-based care

Private equity firm doubles down on value-based care

Private equity firm, Welsh, Carson, Anderson & Stowe, launched a platform Tuesday that funnels money into healthcare providers and payers using value-based care payment models. The firm has invested an initial $300 million in the portfolio company named Valtruis. “We believe Valtruis is well positioned to leverage WCAS’s longstanding relationships and history of building market-leading healthcare…