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sunamerican · 5 years ago

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Seven Things You Need to Know About Arizona Home Buying Programs Today!

The thought of buying a whole house on your own, first time or not, can be downright SCARY! 😱 What’s the first step? What do I google? How do I save money? What if I am paying more than I should?

Whether you’re buying a home in Arizona for the first time or if you’ve done this before, let’s start by taking that pillow out of your mouth and breathe. We got you! We are going to BREAK IT DOWN so YOU become the expert home buying connoisseur you were always meant to be!

The whole process of finding the best Arizona home buying programs can be intimidating to say the least. However, with proper guidance, you can have the best experience ever.

To get you started, here are the most important things about Arizona home buying programs.

Bad Credit? It’s okay! If you are a first time buyer and you have a bad credit score, you are not alone. There are hundreds of borrowers with low credit scores. Remember those days when you needed a 20% down payment and a super perfect credit score to qualify for a St George Home loan? Well, those days are long gone!

Luckily, programs like USDA and Federal Housing Administration home buying programs help those with low credit scores buy a home.

For instance, FHA loans require 580 credit score while the down payment requirement is 3.5%.

Therefore, if your credit score isn’t high enough to pre-qualify for a conventional home loan, consider:

FHA loans – credit score of 580 and 3.5% down payment VA loans – For veterans providing up to 100% financing and has no monthly insurance premiums USDA Mortgage – Available for rural and suburban homebuyers and come with zero down payments.

Therefore, if your credit score is worrisome and you do not have enough down payments, the above options could be great options!

2. Not all mortgage lenders offer all types of home buying programs

It is important to find out which lenders provide particular home buying programs you’re most interested in applying.

Remember that it is only conventional loans that are most common across all lenders. Therefore, when finding your best mortgage lenders in Utah, check whether they provide a suitable program.

Match your Budget with your Perfect Home See for Yourself - Take Our Quiz!

3. Arizona home buying programs have specific qualification guidelines

Know that various home buying programs have different guidelines and requirements.

Therefore, while you qualify for one, you may or may not qualify for the other.

For instance, a Veteran buying a property in urban centers can choose to apply for FHA or VA loans. Better yet, before starting the application journey, check with a loan officer to discuss the various alternatives you might qualify for.

4. Shop around for lower mortgage rates

There’s nothing wrong with shopping around to make sure you get the best home loan experience. Get a quote from at least three of the best mortgage lenders in Utah or Arizona. Check the interest rates and the additional costs to determine the total cost of the particular loan.

This should guide you when choosing the most affordable Arizona and Utah home buying programs.

5. Housing Assistance Programs

If you are buying a home in Arizona or Utah for the very first time and you qualify under the low-to-moderate income, you may qualify for the housing assistance programs. These are the programs that are meant to assist with the down payment or the closing costs. Therefore, it takes off the financial load. If you qualify for either, it makes the process of owning a home much easier.

6. No down payment? No problem

If the down payment requirement is a problem for you and you don’t want to apply for the housing Assistance programs, then you still have the no down payment home buying programs.

However, be aware that most home buying programs with no down payment requirements, will have a higher minimum FICO score. We advise that

7. Get pre approved before starting your house hunting journey

We know you want to starting searching for your dream home but let’s put a healthy pause on that. Just until you get pre approved first!

Although you may qualify for the no down payment home buying programs or even the low credit score Arizona home buying programs, it is important that you secure the preapproval letter.

Remember that the document will assist you when negotiating for a house you are interested in buying.

Now you know the important facts about the Arizona home buying programs. Make sure that you choose the best mortgage lenders.

We hope this blog eased any home buying worries you’ve had! Get excited about purchasing your dream home and don’t let unnecessary fears keep you from enjoying that.

If you’re looking for a top-notch mortgage team to work with, get in touch! Sun American Mortgage has been one of the top mortgage companies in the Valley for over 30 years and now we have office in Utah!

Thanks for reading, until next time!

View & Download original source @ https://www.sunamerican.com/seven-things-you-need-to-know-about-arizona-home-buying-programs-today/

#real estate #loans

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opulencehairposts-blog · 6 years ago

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Learn Everything about Weft Hair Extensions at Opulencehair.net

Whether you're longing for waist-length, wavy hair or just want a half decent ponytail, hair extensions are the instant solution to all your long hair issues. Opulence Inc. Hair Extensions is the leading provider in the human hair extensions industry.

Weft hair extensions are machine wefted or extensions that have been sewn or "wefted" to create the bundle of extensions. Loose or "bulk" hair is fed through a triple-head sewing machine to add a reinforced stitch near the top (root) of the individual strands. These are long lasting hair extensions that last for 3-4 months. Micro rings or the micro bonding methods last for 3-4 months before needing to be re-fitted (as they have grown 1.5 inches away from your scalp). Clip in hair extensions are chosen as they can be fitted in and out daily. Moreover other methods of hair extensions such as tape or weaves often last for about 6-8 weeks.

Among the varied Hair Extensions St. George Utah at Opulence Inc. beaded weft extensions are opted most because they do not damage your hair. Since there is no glue, heat, tape or chemicals, your hair and the follicle aren't damaged. Moreover they are 100% authentic human hair, meaning you will not end up with some weird plastic mess. They're triple stitched, meaning they're durable and will last a long time.

Renowned for creating natural-looking extensions that are super high quality and custom-made to fit you team Opulence Hair Inc. is the go-to on how to buy the best extensions suitable for your hair. Hair Extensions Salt Lake City is a convenient way to shop. You do not have to worry about where to go, who have the best deal, waiting in long lines, or trying to find out how much the extensions will cost. Online you will be able to stay home, take your time, and choose carefully from varied extensions made from authentic human hair.

About Opulence Inc.: Opulence Hair Extensions is headquartered in Salt Lake City, Utah. Opulence provides the best bead tip, fusion and Remy hair extensions available in the marketplace today along with best quality hair extensions accessories – thus enabling the stylist and the end user to benefit from their services, not only by the way you look, but also by the way you feel. For more details about Hair Extensions Salt Lake City, Visit our website https://www.opulencehair.net/

Address

Opulence, Inc.

Salt Lake City, Utah

Phone: 801-302-1555

Email: [email protected]

Zip Code: 84104

#WeftHairExtensions #HairExtensionsSt.GeorgeUtah #HairExtensionsSaltLakeCity

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johneverettlasvegasthings-blog · 6 years ago

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Las Vegas Real Estate Market #1 Fastest Growing In the USA 2018

The smoking hot Las Vegas real estate market home values has reported the highest year over year gains in home values, totaling 13% increase, according to the S&P's core logic case – Shiller index(the leading measure of US home prices)

Seattle Washington came in a close second with a 12.8% increase, San Francisco and third with a 10.7% increase.

St. George Utah has been in the top three running now for quite some time as well.

With over $14 billion in new casino construction alone the Las Vegas housing market is exploding!

"The prices that are moving the quickest and are by far the most competitive are homes under $300,000" John Everett said. "Affordable housing is extremely hard to find right now in Las Vegas"

Everett is the owner of Investing Las Vegas. He believes this surge in housing prices is partially due to the enormous influx of multi-billion-dollar projects on the Las Vegas strip, which has increased the city's growth through employment and population.

"The Vegas market is absolutely booming" John Everett Las Vegas said. "New business startups are up 300%, we have three new enormous casino projects being built, we have a gorgeous new stadium that will host the Raiders not to mention a plethora of new businesses from medical schools to theme parks which has created an influx of thousands of people moving to Las Vegas and bringing a lot of new money.

The Managing Director and Chairman of the Index Committee at S&P Dow Jones Indices, David M. Blitzer, credits the same thing for the market boom.

“Home prices continue to rise across the U.S.,” Blitzer said in a press release.

"Due to the incredible growth in the Las Vegas real estate housing market there is huge shortage of skilled labor. I can't get a framer out to my projects in under eight weeks, the construction trades are absolutely buried in new bids and new projects" said John Everett, owner of Investing Las Vegas and CEO of Property Preservation.

“With permits for new construction at a 10 year high the amount of new homes being built is incredible, but is estimated at being roughly 30% short to accommodate the market demand" said Everett.

“Everywhere you look in Las Vegas again they are building houses, and commercial buildings as well. Las Vegas looks like it's under construction , and that is a good thing" " as an investor, or a private lender, if you are not buying houses and dirt right now you are absolutely missing, what could possibly be, the greatest real estate boom since the Great Depression" says John Everett Las Vegas.

" I'm not concerned about a real estate bubble, I think a small correction will come, but right now, there is not even close to the amount of inventory to accommodate the amount of buyers that are currently looking for affordable housing in the Las Vegas market" said Everett

“With our national unemployment rate at the lowest it's been in 30 years more people have disposable income and are extremely optimistic about the future. People are working again and that's good for business" said John Everett

You can contact John Everett:

[email protected]

www.investinglasvegas.com

John Everett is the leading rehabber in the Las Vegas market and has been for over 21 yrs. He and his team have completed over 700+ transactions. For more information visit: http://www.investinglasvegas.com/

#Las Vegas #John Everett Las Vegas #NV

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airdeed02 · 2 years ago

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How to List Vacation Rentals For Sale

There are many factors to consider when listing vacation rentals for sale. When is the best season to list your property? Depending on your location, January and February are the busiest months. However, in recent years the number of buyers has leveled off. November, which is typically the slowest month, is also an option. If you have multiple properties, you may consider hiring a property management company to manage them.

Using a management company is an excellent choice when selling a vacation rental because it can continue the relationship between the seller and buyer. Vacation rental management companies are often happy to continue the relationship between the seller and buyer and can handle any necessary changes that need to be made. The secret sauce of your property should be something the average buyer does not know. This can be something as simple as a hidden pathway to the beach, a well-maintained pool, proximity to local dining and shopping, or even a helpful maintenance man.

Choosing the right location is also an important decision regarding profitability. It is best to buy a vacation rental near tourist attractions that are popular year-round. If the property is beachfront, it will likely have a high occupancy rate. Also, make sure it is legally permitted to rent your property. If not, you should check with local zoning laws and homeowners' association rules before making final decisions.

Airbnb and Vrbo are both excellent websites for buying and selling vacation rentals. Both websites have millions of listings and offer flexibility and slick booking tools. Airbnb and Vrbo are popular options, but both focus on family-friendly experiences and superior filters. It's hard to find vacation rental listings in St. George, Utah. You can save money by listing your property on these two sites. This way, you'll get the best of both worlds.

If you're looking for an Airdeed vacation rental near the beach, consider purchasing an Ocean Isle Beach property. Vacation rental properties here are always in high demand. You can enjoy the beautiful scenery while renting out your vacation home. If you dislike managing vacation rentals yourself, you can opt for a vacation rental management company. The service is free and can be done in as little as 90 days. You can sign up for a 90-day subscription or a free vacation rental search to receive new listings in your inbox.

A successful four-bed, three-bath mountain vacation rental in the town of Cobbly Knob is currently being managed by the same owners for over twenty years. In addition, this vacation rental in the area has vaulted ceilings and a large screened-in porch. With the right property management, you can enjoy the Gulf of Mexico or Lake Powell view while earning money simultaneously.

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bestutahrealestate · 3 years ago

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How to Buy a House in Sun City Mesquite, Nevada?

If you're wondering how to buy a house in Sun City Mesquite NV, you've come to the right place. This community is located just north of Las Vegas and close to local grocery stores. You can find Walgreens and Walmart just a few miles away, and you'll also find several hospitals and medical centers within the city. The central area of Mesquite also features several retailers, restaurants, and entertainment venues. You'll also find a few museums in the city, including the Virgin Valley Heritage Museum and Rosenbruch World Wildlife Museum, and Bloomington Petroglyph Park. To buy a house in this area, you can go to the Homes for Sale online website. If you're interested in living in the area, Sun City Mesquite is a great place to consider. The area is less than 30 minutes away from St George, a larger town with more services and amenities. When it was first built in the mid-80s, Mesquite was a small farming community with about 800 residents. Today, it's home to over 19,000 people. This desert-style community has the same climate like Las Vegas, with a few minor differences. The high summer temperatures are similar to those in Las Vegas, but the nighttime lows are cooler. This 55+ community is located near the Conestoga Golf Club. The town has indoor and outdoor pools and a fitness center. There's even a Pioneer Recreation Center, where you can play games and enjoy the beautiful mountain views. Getting to Las Vegas is easy, and this community is convenient to many areas of the country, including California and Arizona. This location also has no state income tax! The perfect home for retired folks looking for the perfect retirement community is in Sun City Mesquite, a 55+ community located just north of Las Vegas. The community is close to St George, Utah, and is only a 30-minute drive from the Strip. It has an average temperature of 69 degrees, with high temperatures around the lows around 65 degrees. You'll find a beautiful home in a desert setting with a stunning mountain view. There are a few things to consider before buying a home in Sun City Mesquite, and this is a good place to get started. A few amenities in the community will give you the chance to relax in the neighborhood. A large cul-de-sac lot and two spas make it ideal for those who want to get fit. It is important to be sure to consider the location of your home before making a final decision.

Sun City Community

The 55+ Sun City community in Mesquite, Nevada, has several amenities and is located near the Conestoga Golf Club. Residents can enjoy the indoor and outdoor pools, fitness centers, games, and other activities at the Pioneer Recreation Center. For those who would like to live in the desert but don't want to give up the thrills and excitement of Las Vegas, this community is a good option. In fact, the majority of residents live here because they prefer it to the hustle and bustle of the Strip. The Sun City Mesquite community is an active 55+ neighborhood located near the border of Utah and Nevada. It's an easy day's drive from Colorado. The community offers eleven-floor plans and quick delivery homes in as little as two months. The weather is mild, and residents will enjoy a variety of outdoor activities. The area is also known for its free-range chickens, goats, and other wildlife. This is the perfect place to take your dog on a walk in the woods or hike the local trails. The Sun City community in Mesquite, Nevada, features 13 model homes divided into four "Series": small, medium, and large. The smaller homes are only about 1,000 square feet in size, while larger ones have three bedrooms and three bathrooms. Some of the homes have optional casitas that offer additional space for guests. To invest in the Sun City community, you can visit the Homes for Sale website.

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buystgeorgehomes · 3 months ago

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Why Moving to a Smaller Home After Retirement Makes Life Easier?

As retirement approaches, many individuals start expecting to reduce their living space. While the thought of moving to a smaller home may seem daunting at first, it can actually make life easier and more enjoyable during the golden years.

If you are considering finding homes to buy in St. George, Utah, and are expecting to reduce, here are some compelling reasons why moving to a smaller home after retirement makes life easier.

Financial Freedom

Reducing to a smaller home can lead to significant cost savings. With a reduced mortgage or rent, lower utility bills, and decreased maintenance expenses, retirement, whether it is travelling, pursuing hobbies, or simply relaxing and enjoying life.

Simplified Maintenance

A smaller home typically means less upkeep. With fewer rooms to clean, a smaller yard to maintain, and fewer repairs to worry about, retirees can spend less time on household chores and more time doing what they love.

Enhanced Accessibility

Smaller homes often features single-level living, making them more accessible and easier to navigate, especially as mobility may become a consideration in retirement. This can provide a sense of security and independence for retirees.

Streamlined Lifestyle

Reducing encourages a more minimalist and organized lifestyle.Retirees can declutter and prioritize the items that truly matter to them, leading to a more peaceful and stress-free living environment.

St. George offers a variety of charming low-maintenance housing options perfect for downsizing retirees. Think charming residential units, active adult communities, or cozy bungalows close to downtown.

At Fathom Reality, we specialize in helping retirees find their perfect fit in St. George. We understand your unique needs and can guide you through the downsizing process, from exploring neighborhoods to finding the home that complements your dream retirement. Contact us today and find homes to buy in St, George Utah that will make your golden years shine.

#Find Homes to Buy in St George Utah #Best Real Estate Service in Utah #Real Estate Services In st George Utah #Top Agent in st George #Property for Sale In Utah #Buy St George Homes Utah

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encehomes · 5 months ago

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Ence Homes is your destination for high-quality new homes in St George, Utah. Our commitment to excellence is evident in every home we build. We offer a variety of designs and floor plans, allowing you to find a home that fits your lifestyle and budget. Our communities are designed to provide a welcoming and comfortable environment for residents. Experience the best of St George, Utah living with a new home from Ence Homes. Contact us today at (435) 628–0936 to get more information about our St George Utah new homes.

Ence Homes 619 S.Bluff St. Tower 2, St. George, UT 84770 (435) 628–0936

Official Website: https://www.encehomes.com/ Google Plus Listing: https://maps.google.com/maps?cid=18118135881219207241

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The post Can I Get My House Back After Foreclosure? first appeared on Michael Anderson.

from Michael Anderson https://www.ascentlawfirm.com/can-i-get-my-house-back-after-foreclosure/

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buystgeorgehomes · 1 year ago

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If you're searching for homes to buy in St. George, Utah, look no further. Our real estate services specialize in finding your perfect property in this picturesque region. St. George offers a diverse range of homes, from modern condos to spacious family houses, surrounded by stunning landscapes and outdoor adventures.

Explore our curated listings to discover homes that match your preferences and budget. Whether you're drawn to the charm of downtown or seeking a quiet suburban retreat, we have options for every lifestyle. Trust us to guide you through the process, ensuring a smooth and rewarding home-buying experience in beautiful St. George, Utah. Start your journey to homeownership today!

#homes to buy in st george utah #affordable real estate services #find homes near st george #property for sale in utah #buy homes in utah

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roundtriprobin · 4 years ago

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Two National Parks - Zion and Bryce Canyon

Hey, y’all! This trip report includes Zion National Park and Bryce Canyon National Park. It was my first time to visit both parks, located in the beautiful state of Utah. I was pleased to learn that American Airlines flies into St George, UT, and it is the closest airport to Zion. The next nearest airport is Las Vegas. It is a 2 1/2-hour drive. It is a beautiful drive and could be a great addition to your trip

Day 1: I departed Nashville (BNA) in the afternoon, and I had to make two stops. First in Dallas (DFW) and then Phoenix (PHX). I didn’t mind two stops; it had been a while since I had been on a plane. I was excited to fly on an A321NX. I am an aviation geek! I arrived in St George at 950p MT. I booked a room at the Fairfield Inn St George.

https://www.marriott.com/hotels/travel/sgufi-fairfield-inn-st-george/

Mask up and go!

American Airlines A321NX - nice airplane!

St George, UT airport (SGU)

As you can see on the map, St George is close to Zion. If you can find affordable airfare to St George, that would be great. But, it is a small airport, and airfare and car rentals are usually more expensive. As I said earlier, flying into Las Vegas is a great option. Also, flying into Phoenix and adding Sedona and the Grand Canyon would be a fantastic option. See the sample itinerary below.

Day 2: After a good rest, I was excited to get to Zion! I arranged for a taxi to pick me up at the Fairfield Inn. The taxi arrived right on time at 10 am. We drove to LaVerkin, UT. This cute little town on the way to Zion. In LaVerkin, I met up with friends and my sister and brother-in-law. They drove in from Park City, UT. I hopped in their SUV, and we continued to Zion National Park. Zion Nation Park is located in Springdale, UT. Let me say this part of our country is beautiful! As we approached the park, there was a sign that said parking was full. So, we chose to park in Springdale and take the shuttle, a great and simple option. At Zion, you have to take the shuttle inside the park. So, wherever you park, a shuttle will be by every 10 minutes. I suggest parking in the first lot you see in Springdale and hopping on the shuttle. It will save you a lot of time driving around looking for a parking spot in the park. Please note that you must buy a ticket ahead of time online for the shuttle due to limited seating. Check the website daily for changes in park regulations regarding COVID-19.

https://www.nps.gov/zion/planyourvisit/basicinfo.htm

Zion is a big park! There’s a lot of trails from which to choose. I suggest getting a hiking guide ahead of time and study the routes (see link below.) Consider all in your party when selecting the trails to hike. Pay close attention to elevations if you have anyone with breathing issues such as asthma.

https://www.nps.gov/zion/planyourvisit/upload/Zion-National-Park-2020-hiking-guide-ADA-vetted.pdf

We chose to hike the Upper Emerald Pools and The Narrows.

Upper Emerald Pools:

We studied our map ahead of time, so we knew when to hop off the shuttle. As soon as we entered the trail, we crossed over a bridge, and the scenery was spectacular.

Next, we entered a canyon that looked like an amphitheater. It was a vast and circular shape with a waterfall that you had to walk underneath. The cold water felt good!

Up to this point, the trail had been wide and flat. It was easy to navigate. That soon changed, with the path becoming rocky and elevated. It was still enjoyable; you just had to watch your footing a lot more carefully.

As we ascended the trail, we came upon the lower and middle Emerald Pools. Honestly, they were not worth writing home about! I was certainly hoping for more from the Upper Pools.

After a strenuous upward hike, I am happy to report that the Upper Pools did not disappoint. It was worth it!

Upper Emerald Pools

Clear, cool water! Stunning scenery.

Standing in the middle of the Upper Pools!

We snapped this pic as we were leaving the Upper Pools.

Next, The Narrows! This trail is very popular; there will be crowds at times. However, the area is so broad, vast, and enjoyable. The path runs along the river for one mile. This part of the trail is flat and wide. The course comes to an end, and you can continue another mile in the river bed. Continuing will require waterproof shoes. It is a must-do! Enjoy the pics of The Narrows!

When you enter the trail, this is what you see! Beautiful!

The canyon is amazing! In every direction, there is something to see.

Notice the paved, flat path. This hike is a great choice for someone with a disability or gait issues.

When you get to the end of the mile-long River Trail, this is what you see! Simply amazing!

Me at The Narrows!

Beautiful squirrels in the canyon. They were very friendly!

Taking a rest at the Narrows!

Remember that I told you the path ends after a mile, then you can continue in the riverbed for another mile? This is where you enter the riverbed trail!

Riverbed Trail entrance! Yes, you should do it!

My friends, Joy and Randy, in the riverbed trail!

After we returned from the Narrows, we caught the shuttle back to our car in Springdale. Be aware that when leaving The Narrows, the line for the shuttle is long! It feels a little like a line at Disney. But it does move fast!

We drove back to LaVerkin to spend the night. We searched for a dinner restaurant and found a great place called The Stagecoach Grill. Now, it is a little cheesy from the outside, but don’t be fooled. It was fantastic! We were happy campers! We spent the night at the LaQuinta Inn; it was super nice! I didn’t know what to expect, but I was pleased.

https://www.wyndhamhotels.com/laquinta/la-verkin-utah/la-quinta-la-verkin-gateway-to-zion/overview

https://thestagecoachgrille.com/

Day 3 - Bryce Canyon - My favorite!

On this day, we drove back through Zion National Park at sunrise. It was amazing to see. We took this route to get to Bryce Canyon. Zion was completely different at dawn. I am so happy we made this early morning drive. We arrived at Bryce Canyon around 9a. The park was not crowded at this time. In Bryce, you are allowed to drive your car through the park. We elected to park and use the shuttle system as we did in Zion. We parked at the visitor's center.

We walked across the street from the visitors center to catch the shuttle. We chose to get off at Bryce Point. At Bryce Point, you can walk out to a fantastic viewpoint. The view stretches for miles. From this vantage point, you have the opportunity to take a lot of pics. After taking the pics, you can choose to hike the "rim" trail and the canyon floor trail; both are fantastic! The canyon floor trail is called Peek-a-Boo. Please enjoy pics from both paths.

Map of Bryce Canyon

Map of the Rim Trail from Bryce Point to Sunrise Point. Be sure to start at Bryce Point; the trail is mostly downhill to Sunrise Point. It is much more enjoyable hiking in this direction!

Bryce Point!

Bryce Canyon - hiking the rim trail provides great scenery in every direction.

A hoodoo is a tall spire of rock protruding up from the ground. I learned a lot about hoodoos! Who knew?

The canyon changes colors as you continue on the path!

Another view of Bryce Canyon!

Me with Inspiration Point in the background!

Inspiration Point!

The trail is wide and flat; this makes for an easy hike! (My sister, Debbie!)

On the Peek-a-boo trail!

See the small human beside the large rock? On the way to the canyon floor.

Please note that the Peek-a-boo trail is incredible! However, you have to traverse 25 switchbacks to get back up to the rim. Take your time and remember to bring plenty of water!

I love seeing greenery in the desert.

Natural Bridge

It’s great to be in wide-open spaces during a pandemic!

Pine trees in Bryce Canyon!

Wall of Windows at Bryce Point!

So long Bryce Canyon. I will be back, y’all! I’ll see y’all around.

Stay tuned for my next trip report to Mirror Lake, UT!

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dipulb3 · 4 years ago

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For Trevor Milton's business partners, warning signs emerged years before Nikola downfall

New Post has been published on https://appradab.com/for-trevor-miltons-business-partners-warning-signs-emerged-years-before-nikola-downfall/

For Trevor Milton's business partners, warning signs emerged years before Nikola downfall

“I’m not going to sit there and whine and say Trevor ruined my life. Did he ruin a section of my life? Yeah,” Pilz said. “But did I have my family through all that? Yeah. Did it suck, did it hurt, was I mad? Yeah.”

“The books were not what they said they were,” Pilz added.

Looking back on the deal today, Pilz wishes he’d bought a different company. Pilz said he faced two home foreclosures after the business didn’t live up to projected financial returns. Appradab Business verified the foreclosures through public records.

Pilz said he lost the $300,000 down payment he invested after buying a company from the man later known for founding, and then resigning from, Nikola Motors, the electric truck manufacturer.

Pilz said he took every dollar from his 401k and savings account to buy St. George Security and Alarms, an alarm system dealership, in St. George, Utah.

Milton was 22 years old when he registered the company in 2004, according to Utah public records. It would be the first of five businesses that would launch his journey from high school dropout to a billionaire founder, who resigned in September amid controversy and allegations of wrongdoing, including sexual assault, which he denies.

Years after selling St. George Security and Alarms to Pilz, Milton founded Nikola, an electric truck company that he claimed would transform transportation with electric and hydrogen fuel cell trucks. The company went public in June and rode the recent wave of hype around electric vehicles. It’s entered into deals worth $2.5 billion, including with major companies like GM and Bosch, and been compared to Tesla in news reports. Milton has called Nikola one of the most innovative companies in the world and compared himself favorably to Tesla CEO Elon Musk. The company was briefly valued more than Ford, despite the fact that it has yet to sell a working truck.

GM said last week that its deal with Nikola hasn’t yet closed, just weeks after announcing a $2 billion investment and plans to build a pick-up truck with Nikola.

Milton’s business dealings have been in the spotlight since he resigned from his position as Nikola chairman on Sept. 21, following a report alleging a pattern of misdeeds, including presenting a product as being closer to reaching the market than it was. Milton called the report a “hit job” and said it was “lies.”

Appradab Business spoke with six people who said they either invested in or did business with Milton before Nikola made him a billionaire. These individuals’ investments, collectively totaling more than $455,000 span four years and four companies. They said Milton was a skilled salesman, but they soon found him hard to trust given a tendency to exaggerate and not follow through on promises. Some had questions about his character and integrity.

Two people said they invested tens of thousands of dollars, but claim they never received the stock certificates they were owed to formalize their investment. One investor said they’ve already filed a complaint with a regulatory body, and another said they’re in the process of doing so.

Milton, through a spokesman, declined to comment for this story on the allegations the investors and those who did business with him have made. Nikola also declined to comment.

Pilz, who purchased a company outright from Milton rather than investing in a startup, claimed Milton misrepresented revenue and expense information prior to the sale.

Pilz as well as other investors in Milton’s companies alleged that Milton’s treatment of them transformed once a deal was closed. The investors agreed to speak on the condition of not being identified given their concerns about retribution from Milton, such as legal action.

After finalizing the deal, Pilz recalled Milton telling him to call if he needed anything. But shortly after, problems emerged, Pilz said. Installation equipment that was included in the contract, like ladders, didn’t exist, he claimed. When he took a closer look at the books, more issues arose. Pilz claimed that accounts receivable, essentially future sales, which were supposed to be guaranteed, turned out to be estimates provided to customers or sales that had already been paid. In at least three months, Pilz said he had to foot the bill for $10,000 in chargebacks, as customers exited deals that had been agreed to when Milton owned the business.

There were also odd expenses that Milton had not disclosed, Pilz said. For example, Pilz claims he was expected to pay one employee’s rent. Pilz said he didn’t want to lose the employee, so agreed to follow through on what he said was an agreement the employee had with Milton. Pilz said that some employees didn’t have relevant licenses, and Pilz paid for them to get those licenses.

“You kept running into more and more things,” Pilz said. “If it was just one of them, it’s not a big deal but when happening, you’re like, ‘Man this is a disaster.’ ”

Pilz said that Milton was so hard to get ahold of, that he stopped trying to call for help. In 2008, Pilz said he gave the business back to Milton, exercising a right in their contract. Pilz said he wasn’t required to make additional payments that he owed Milton.

In 2008, a Utah inventor of a hybrid fuel system that blended diesel and natural gas in trucks advertised his product to consumers. In 2009, the inventor was approached by Milton, and they agreed to work together, according to a document viewed by Appradab Business. In a meeting in late November 2009, Milton had illustrations made of a newer hybrid fuel system from the inventor for a patent application, according to a person with knowledge of the meeting.

Milton incorporated dHybrid, a company that developed and designed hybrid fuel systems, on Nov. 25, 2009, according to Nevada public records. The day before, he’d issued himself a million shares in dHybrid, according to a copy of a stock certificate viewed by Appradab Business.

It was Milton, not the inventor himself, who was listed as the inventor on the provisional patent application filed after the meeting, according to a document viewed by Appradab Business. The inventor was later listed on a 2010 application.

In October 2012, Milton’s father Bill organized a new business with a similar name and goals to dHybrid, calling it dHybrid Systems LLC, a company that develops, installs and sells fuel systems, according to public records viewed by Appradab Business. Trevor Milton has described himself as dHybrid Systems CEO and founder on his LinkedIn page.

The Utah inventor was never involved in the new company, according to two people with knowledge of the situation. The Utah inventor was also not listed on six patents that dHybrid Systems applied for between 2013 and 2016, according to patent applications filed with the US Patent and Trademark Office. Milton was listed as an inventor on all of the patent applications, along with colleagues.

Milton, who has said he dropped out of high school and college, lacked engineering expertise, according to two former dHybrid Systems employees, whom agreed to speak to Appradab Business on the condition of not being named out of concern for facing litigation from Milton. The former employees said that Milton would ask them to install the fuel systems on the trucks in ways they believed was not safe or structurally sound. They said they objected to drilling holes in the trucks’ frame closer than rules allowed, or routing a trucks’ gas line so close to an exhaust pipe that it could create heat risks. They felt his requests weren’t the result of trying to do something wrong, but lacking the knowledge to know better.

“What he was suggesting was asinine to the most basic diesel tech,” one of the employees said.

In October 2014, dHybrid Systems was acquired by an Ohio company, Worthington Industries.

Following the sale, a dHybrid investor told Appradab Business that they were excited about the sale, and called up Milton to congratulate him and ask how much their shares were now worth. The investor did not know that dHybrid and dHybrid Systems were two different companies.

The person alleged that on that call Milton told him that he actually had invested in Lexon Industries, a different company also owned by Milton, which Milton claimed had nothing to do with dHybrid Systems. Because of this, Milton allegedly told the investor that he was owed no money from the dHybrid Systems sale, which was registered as a separate company.

The investor said no red flags were raised during the initial investment process because people they trusted had referred them to Milton, and their guard was down. The investor said it was their first business investment and they wish they’d done more due diligence.

The investor’s conversation with Milton regarding the dHybrid Systems sale added to years of frustration with getting proof of their shares, the person said.

Appradab Business also viewed an online exchange from 2013 in which the person asked Milton about when they would receive the stock certificates in dHybrid, and Milton said he was working it out.

Another person described to Appradab Business that they invested $40,000 in Milton’s companies in 2010, including dHybrid and Upillar, a classifieds website that had launched in 2009. The investor said that Milton told them at the time that the website had nearly as many hits as Craigslist and would soon be close to Amazon in hits.

The investor said they didn’t feel they had a reason to doubt Milton’s claim, and they weren’t familiar with website traffic or know how to find such data. The investor said they hadn’t invested in a business before but trusted the people that referred them to Milton. Looking back, the investor said they hadn’t done enough due diligence.

The investor said they never received the stock certificates Milton agreed to grant them and got the runaround when asking for them.

They’d never received any money back from Milton, the investor said, and that it’s been vindicating to watch Milton’s negative turn in the spotlight.

“You do people dirty for so long and it’s going to catch up to you,” the investor said.

Bill Hansen, who said he invested $100,000 in Milton’s alarm system company before Pilz bought it, described Milton as a phenomenal salesman who told people what they wanted to hear.

Hansen said that soon after he invested, he realized Milton’s plans for expanding the business with a summer door knocking program weren’t going to succeed. Hansen said he left the deal, and got back from Milton about as much money as he put in.

“He’ll tell you whatever sounds good enough to get you in the door,” Hansen said. “Nikola is where it is because of him. How do you discount that? Was it all true? Probably not, but are all sales stories true? The 100% truth isn’t that great a story.”

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arplis · 5 years ago

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Arplis - News: Top 10 RV Camping Tips for Beginners

Whether you’re a seasoned RVer or you’re just getting ready to take your first trip, the RV camping tips below are sure to help you out. Some of them are just fun little tips to help make your camp life more enjoyable, while others are totally genius hacks that will save you time, money, and headaches. P.S. If you haven’t already purchased an RV and you’re not sure about it, get your feet wet with an RV rental from Outdoorsy. They’re the largest and most trusted RV rental site (the Airbnb of RV rentals, if you will) and they have a ton of options to choose from. 1. Power Cord Cover Using power cords while camping can be a risky move if you’re not careful. Dirt and sand can easily find it’s way inside the plugs which could cause them to stop working after a while. An easy solution to this problem is to use a plastic bucket with two holes to keep the extension cord raised and protected. Pretty clever! 2. Tabletop S’mores Image from Zillow S’mores are a classic camping treat but with campfire bans happening all over the place, you may need to find alternative ways to cook them. No worries! All you need is a terracotta pot, some tin foil, and some charcoal, and you can build your own DIY S’more cooker. 3. Towel Rod Bathroom Organizer Image from Five Fs One of the things you have to think about when using an RV is that items are going to move around while you’re driving. If they’re not secured, you’re not going to have a good time. An easy solution to holding certain items and keeping things tidy is to install a towel rod low on the wall in your tub or on a counter. You can then put bottles, cleaning supplies, shampoo, conditioner, and other things behind the towel rod to hold them in place. 4. Use Command Hooks Everywhere Image from SeguinRV Another easy way to keep things organized and secure in your RV is with command hooks. There are so many things you can use them for: Hanging kitchen supplies Organizing cords Installing lightweight curtain hangers Hanging bags and more! 5. Pool Noodles on Awning Arms Image from What’s Newell If you’ve ever smacked your head on the awning arms of your RV, you’re not alone! Some RVers came up with the smart idea of putting pool noodles around the arms to soften the blow. 6. Awning Light Hangers Whether you want to hang a tarp, some lights, or something else from your awning track, these DIY hangers work great. They’re strong, cheap to make, and simple to assemble. Here’s what you’ll need: 10 inches of paracord 1 inch of 1/4″ aluminum tubing 1 M10 washer To see how to fully make it, view the full tutorial here. 7. Shower Caddy Image from Cecilia the Shasta If you want to make campground shower-time as hassle-free as possible, making your own convenient shower caddy is super helpful. All you need is a lanyard and some travel squeeze bottles. Alternatively, you can buy a pre-made caddy here, but that’s not very DIY! 8. Go Solar Image from Outside Pursuits Although this one will take a bit of money and require more work to get set up, if you often camp in places without power hookups, it can be an investment that really pays off. Plus, living on solar power is pretty awesome! Before you take the leap on this major upgrade though, read these posts for more info: RV Solar Panel Tips Is Solar Power For Your RV Worth It? 9. Insulate with Reflectix Image from RV Lifestyle You can buy Reflectix pretty affordably from almost any hardware store or online from Amazon and it’s great for insulating your camper. Just buy a roll, cut pieces to fit your windows and roof vents, and you’ll stay cooler in the summer and warmer in the winter. There are some other neat ways to use Reflectix on the road as well. Check out these 5 tips. 10. PVC Drying Rack Image from Happy Wanderers If you need a place to hang your clothes to dry outside your RV, building a simple PVC drying rack is the way to go. It’s lightweight, easy to set up, and it easily comes apart for compact storage. Cool RV Travel Spots to Check Out Ok, you’ve got all the RV camping tips above set up, now it’s time for the fun part: traveling! Depending on where you live you may already have some destinations in mind, but here are a few other suggestions just in case you’re not sure where you want to go yet: California Beach Trip If you want to soak up as much sun as possible and visit some of the nicest beaches in California, this is the trip for you. First, you’ll hit San Diego, then Dana Point, then Long Beach, and finally, Malibu. To see the full details of the trip and some other awesome California road trip routes, view the full post here. Bend, Oregon Bend, Oregon may not be the first place that pops up in your mind when thinking of RV destinations, but it’s worth considering! There’s a beautiful 252-mile long river, several lakes, it’s dog-friendly, and that’s just the start. St. George, Utah We took a trip to St. George a while back and although we didn’t stay in an RV, I think it would be an awesome destination for RVers! There are a lot of affordable activities to do there and there are some beautiful sights to see too. If you want to learn more, check out these 7 fun activities to do in St. George, Utah. Want to Make an Extra $2,000/mo with Your RV? Let’s be honest: Unless you’re living in your RV full time, it’s probably sitting somewhere unused for longer than you’d like. If you’d rather turn that idle time into money, you should look into renting out your RV on Outdoorsy. Right now Outdoorsy has about 15,000 other RVers renting out their motor homes earning an average of $2,000/month in rental income! Best of all, listing your RV on Outdoorsy is completely free, they just charge a service fee for successful bookings. And to top it off, they offer great coverage for RV owners and renters to make it all a stress-free process: $1m insurance + theft and damage coverage DMV check on all drivers 24/7 RV rental roadside assistant Dedicated customer support 93% Average 5+ star reviews To learn more, visit Outdoorsy.com. Have Any Other RV Camping Tips and Tricks? Whether you’re a seasoned RVer or just a beginner, you may still have some of your own RV camping tips and tricks up your sleeve! There are so many different ways to make RV life easier so let us know what you do to improve your time on the road. Even if you don’t have any tips to share, leave a comment below letting us know where you plan on taking your RV to next! Other Posts You Might Like: Camping with Kids: 16 Games and Activities 5 Must Haves When Camping with Young Kids The post 10 DIY RV Camping Tips and Tricks for Beginners appeared first on Fabulessly Frugal. #Travel #Camping

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