Princess parties are becoming increasingly popular choices for little girls, in no small part due to the success of animated films such as Frozen which have resulted in major cult followings. Just as boys love pirates and superheroes, many a little girl loves to dream about growing up to be a princess, and hiring princess birthday party entertainers can be one way to make that wish come true.It is critical, however, to make sure that you take the time to select the right entertainer for your party, in order to ensure the maximum of fun is had by all and that the minimum of parental and family stress is experienced when hosting a large group of excited children! With that said, here are a few tips on finding the right princess host for a birthday celebration.First of all, it is worth remembering that experience is important when looking for princess birthday party entertainers for your event. Being able to handle a group of children is definitely not a skill that everyone has, so an entertainer that is practiced at this can generally yield much better results.When browsing the internet or a local directory for a suitable entertainment provider for your birthday party, remember to do your research into just how many parties they have hosted so far, and how successfully they feel they can deal with a large number of hyperactive kids.You may also wish to ask for testimonials if they are not already readily available on the website or in the brochure of the entertainment provider, as this can give you valuable insight on how successful the princess birthday party entertainers have actually been with real groups of children at a party.In addition to experience, remember that the most successful entertainers – whether princesses, pirates, wizards, superheroes or other characters – will have a background in performance, be it dancing, singing or acting. A bubbly and outgoing personality along with the ability to perform is essential for keeping children engaged.Whereas you can’t be trained in being a princess, you can be trained on how to perform well as one, so look for entertainers that are not shy in putting on a show, and can fulfil any dancing and singing requirements that may be expected in their role.Next, check that the quality of the costumes and the props is of high enough standard to ‘wow’ the children at the princess birthday party. This is because to put on a believable show, everything should look as magical as possible, and truly resemble what children have seen in their favourite animated films, books and comics.Ask the entertainment provider that you are thinking of hiring what kind of costumes they have available along with the props they provide for the children to enjoy. They may also supply items such as party bags, glitter tattoos, face painting, fairy dust and more, so be sure to ask what is included in each package.Finally, for any boys that have been invited to the party, see if your princess birthday party entertainers of choice can also send along a male character to entertain those who are not so enchanted by princesses! Pirates and superheroes work well with boys that are guests at a party, although many party entertainment providers can offer any character of your choice.When selecting an entertainer for your child’s princess-themed birthday party celebrations, be sure to check the experience of your host, as well as their performance background, as both these factors can have a huge impact on the success of your party.Along with this, the best companies will ensure that you only receive performers wearing the best costumes and using fantastic props, ensuring that each and every child is utterly enchanted and has as much fun as possible.
Trust Deed Investors: One Way to Get Investment Income in a Low Return Environment
It is most generally acknowledged that the person’s early years such as the twenties is the best time to start investing. After all, you have all of life ahead to invest money which is why so many books on investment – most actually – are geared towards the twenties. Fewer are towards the thirties, and even fewer towards the forties and retirement. This may be partly why trust deed investing is so appealing. In today’s low-return low-interest-rate environment, trust deed investing is one of the few investment options that can help you substantially increase the amount of your monthly income. And little expense is involved. (Although risk is another matter).What is trust deed investment?Trust deeds are like a private real estate loan. If you’re a real estate entrepreneur (for instance) who wants to snap a fast loan to rehab a piece of property in order to sell at a profit, trust deed investors may be your best choice. They’d give you the loan in a blink’s eye far faster than the bank where it takes drawn out negotiations and filing of hefty tomes until you get that loan. (If at all). The average amount of time is 60 days. Some entrepreneurs cannot wait that long. They need to snap that deal and that’s where the trust deed investor comes in handy. He forks over your required funds within that same week, sometimes that same day at 1/3rd of the paperwork and nil of the stress. The downside is that the borrower pays a much higher rate than he might for a mortgage, typically 8% to 12% (since the investor is taking more of a risk).How does it work?The process is such that the buyer works through a third-party loan originator who underwrites and facilitates the loan for one year. Schedules can be restructured, but generally the borrower makes interest-only payments each month and a balloon payment of the principal once the loan reaches its maturity.So let’s say you’re the investor and you fund 250,000 at 10% APR, you’ll either receive 12 interest payments of $2,083 each, totaling $25,000, and at the end of the year, get back your $250,000. Or, in the worst case scenario, you pocket the defaulting borrower’s land.Other things you’ll want to know…There’s no set minimum for investing in a single trust deed. They can be fractionalized – that is, divided into several portions – but loan originators generally prefer to deal with one investor per loan.Finding trust deeds to invest in can be difficult. Your best bet may be to find an experienced broker or advisor with a history of success. These have likely established relationships with originators and you can work through them. If you don’t want to hunt these deals down, you might invest in a trust deed fund run by a professional manager. These funds currently pay between 8% and 11% per year and have minimum investment amounts that start around $50,000.To acquire credibility, you may want to consider running for SEC licensing.Pluses of investing in trust deedsThe pluses are particularly topical now with the Fed hiking its interest rates and maybe hiking them still higher. Trust deed investments protect you from the shenanigans for rising rates because they’re held to maturity and have short durations. You can also use any sort of cash to invest. You automatically have the right to foreclose on any property when the borrower has defaulted on the loan. Trust deed investing can open the door to other investment opportunities. It also offers a return on investment that comes in at higher than average; expect a typical return of 9 to 14 percent. And, if managed well, this type of investing is secure. This is because it has a guaranteed yield.Minuses of investing in trust deedsThe obvious minus is the very likely possibility of your investment defaulting, namely the borrower not paying you back. This happens to approximately 85 % of private money lenders at some time in their lives, some more than others. Redfin, a residential real estate company that provides web-based real estate database and brokerage services, predicts that it is going to happen to many more this coming year when housing prices are going to lurch beyond restraintManaging risk…How can you prevent losing your money? Experts strongly advise lenders to research client’s credit history and trustworthiness. They also recommend that you research the value of the client’s property and the extraneous market environment to the point that you physically investigate the building yourself. If you’re not up to this, consider hiring an advisor with experience in this market. Before you invest, analyze a fund’s portfolio and the loan loss reserves. As with individual trust deeds, you may want to have a professional do this.In short…NerdWallet, one of the leading advisory websites on investments has this to say: If you exercise due caution, trust deed investments can be a great income generator at a time when investments that produce good returns are few and far between.You may want to consider it.
The Modern Dilemma – National Health Care
National health care is a hot issue all over the world at the moments, but in no country more so than in the United States. As health care is not provided free as a rule, there are major debates regarding affordability and value for money. Fewer and fewer people every year have insurance cover should anything happen to them and as a result society is beginning to deteriorate. Very few people would be able to afford expensive health care and thus fewer people are spending on it and prices rise to recoup lost costs and profits. The medical services suffer as a result.Companies used to provide healthcare as standard in every benefits package, but fewer are now offering it. Instead, they are finding ways around it, like using agency applicants rather than taking on individuals to fill job roles independently. Agency fees are generally lower than those charged by insurance companies to ensure that employees are sufficiently covered. However, as hazards in the workplace increase, the nation’s health is beginning to suffer and calls for a national health care system are growing in momentum and volume. A national health care system has already been implemented in the UK and has proved successful so there is a good model to base a US service on.Health costs in the USA are higher than anywhere else in the world at the moment, which does price it out of range for the average person on the street. However, as other national health care systems have proved, health care that is readily available as well as affordable can improve the economy and improve the nation’s health on the whole!Affording National Health CareIt is not a question of whether individuals could afford national health care because, by its nature, it is whether the government can. There are a number of ways that it could be funded. In most cases, the cost is actually funded via taxes. Nobody pays for individual care but there is a flat rate of tax added on to a bill at the end of the year. It could actually be taken straight from an individual’s pay packet every month so that it is not as noticeable for an individual.If it is deemed desirable to keep health insurance as it is now then it may be possible to offer a flat rate for individuals looking to take out the insurance for a national health care system, with the government subsidising it. This would make it more affordable and health care more widely available without adding a tax. However, what would happen if some individuals did not have national health care insurance? Would they be refused treatment? As a result of this question, there are a number of arguments that pick at the flaws. There is also nothing to say that the overall costs can be lowered.National health care does work if it is implemented correctly and it can dramatically improve the nation’s health as a whole, but there may be problems with initial implementation. As long as health care is made available for all at affordable rates, anything is worth a try!