Commercial Real Estate Financing – Who Controls the Third Party Reports?

Well, this weekend marked the official end of the 2008 NFL season with the NFC defeating the AFC in the Pro Bowl in Hawaii. NOW what am I going to do on Sundays??? I guess I’ll have to find some useful things to occupy my time … like tennis, martial arts, biking, skiing … It is going to be HARD until the end of summer, but I’ll think of SOMETHING. I can always fund some commercial loans, which is our specialty! I’ve heard that even Fannie Mae and Freddie Mac are limiting cash out now … to ZERO dollars. Which make sense, since they are losing money faster than the Fed can print it. We still have some portfolio sources for multifamily. If you have a scenario, give us a call!Commercial Financing TipWho Controls The Third Party Reports? In light of recent “events” in the mortgage markets, it comes as no surprise that lenders are changing how they handle third party reports. After the S&L meltdown in the late 1980s, FDIC insured lenders were required to order appraisals and not accept borrower or broker provided ones. Eventually, most lenders followed suit.Now that requirement has been extended to all third party reports, particularly Environmental Phase 1 & 2 reports. New EPA guidelines and rules are making it harder to avoid liability in environmentally “challenged” properties where it can be shown that the lender did not exercise proper “due diligence” with regard to its environmental investigation. Save your money for third party reports until you have applied for a loan, otherwise you will be ordering your reports twice.

Posted in Finance | Tagged , , , , , , , , , | Comments Off

Use Your Small Business Website To Gain Leverage Over The Competition – Unlock What’s Inside

There are many arsenal tools of a Small Business, but by far the greatest is the Business Website. Without a business website for The Small Businessman it can be very difficult to reach your fullest growth potential. There are many benefits locked inside your business website. The key is to find them and unlock your websites potential to be a money making machine for your business. See if these 5 power tools can unlock the potential that’s inside your website.Tool 1. The Small Business Website Can Be Designed & Structured To Build BusinessThe structure of a Small Business Website can be designed to bring a focus to what’s important to you company and to bring you more business. Using proper placement of things like opt-in forms, videos, picture images, pop-up pages, landing pages, color palettes, Facebook & Twitter shares & survey forms can not only make you website fun & exciting to see visually, but it can also move and flow traffic to different pages of your website. Website design & structure can lead customers to buying shopping carts, that can boost sales. Large images on a photographer or artist website can help to showcase work better. The right placement of color on your web pages can turn the attention of your customers and highlight sales, a special discount coupon, or a survey form you desire your customer to fill out. What ever strategies you decide to use, make sure as you are designing your website with a little more thought about website design & structure to bring business.Tool 2. The Small Business Website Is Your VoiceThe Small Business Website is the primary tool to share the voice of your company. Your business website should be from your point of view. How or What your company… Thinks? Feels? Wishes? Desires? So how do you accomplish all of this in one website? Through CONTENT! Content Management is your voice. Sometimes on a website it is design with a blogging system that allows you to post content regularly which helps generate a following or leads. For businesses like MLM’s, Direct Sales, or Service Businesses, blogging has a very inexpensive starting cost with a high return value. Share the voice of your business with the world and watch the financial benefits follow.Tool 3. The Small Business Website Can Be A Leverage ToolWhen you have a small business, using your website to leverage or give your business the upper hand over competition is a high priority. There are statistics by Google that show 66% of Small Business do not have a business website. OK… Breathe & Meditate on this for a moment… Ready? What this statistic is saying, is only 44% of people in your industry have a website that is in front of buying customers each day. So if you have a product like Organic Skin Care, or a specialized service for example Immigration Law, then you can see how a business website can almost immediately increase your leveraging power. And remember to use your VOICE… ie CONTENT for more leveraging power. Tool 4. The Small Business Website Can Establish You As The Expert & AuthorityNow that you know only a small percentage of people have a small business website in your industry, it’s easier to recognized how powerful a website can be, and how this can set you as the expert or authority in your industry. Posting articles on your website puts your company’s name in front of your customers or clients. In your article, give your potential customers information that is helpful to them. Provide information that helps them to make a better buying decision on products. All of these things establishes your small business as an authority and you as the expert. Each week by sharing vital nuggets and segments of key reviews, potential customer & prospects look to your business for critical answers.Tool 5. The Small Business Website Can Be The Ultimate Advertising BillboardMost small business have little to no advertising dollars. So one of the best and least expensive ways to advertise is through your website. It is the Ultimate Advertising Billboard. Creating Banner Ads, for example, can showcase what your business does, or what you have to offer can be place on your website to increase your sales. Often time websites are built only as an Affiliate Marketing site for just that reason. Also the cost to advertise in the newspaper, or in a magazine can be expensive, and your ad will only run a few time before you have to pay again. With a website, your ads can stay up for as long as you like. When someone is using a search engines, an optimized website can drive traffic right to the Banner Ads with just what your customers wants.

Posted in Uncategorized | Tagged , , , , , , , , , | Comments Off

Tips For Hiring an Inspirational and Motivational Speaker For Your Next Event

More and more businesses in this day and age are taking advantage of the opportunities that their events present to enlighten and educate their personnel while they are being entertained. The way that they are accomplishing this, is by hiring an inspirational and motivational speaker to give a presentation.Its a win, win situation, because a good qualified expert speaker is highly entertaining, at the same time that he or she demonstrates how a companies employees can be more productive and better managers of their time.Some Basic RequirementsHowever; there are a few things that you should know before you begin your task of finding a qualified speaker to give a presentation at your next event. You will want to make sure that the speaker that you eventually hire is a member of National Federation of Speakers, or the International Federation of Professional Speakers. Also, you will want to see a DVD of one of their recent presentations. The speaker should also have a number of references that you can see and verify.Look for FlexibilityAnother important thing that you will want from your speaker is a willingness and flexibility to work some of your relevant topics into their presentation. You certainly can’t expect a speaker to write and produce a complete one hour presentation, custom fit to your needs, unless of course you are willing to allocate the time and money for that type of task.Work in Some Related Subject MatterHowever; a seasoned professional inspirational and motivational speaker will be willing and able to go over their material with you and allow you some input with regards to subject matter relating to your business or the theme of your event. Often times what they will have is a question and answer form that you can fill out that will provide them with relevant information that they need to customize their presentation to fit your needs.

Posted in Uncategorized | Tagged , , , , , , , , , , , , | Comments Off

Natural Health Center – Living Well and Learning

Find Natural Health Center(s) in the United States and Canada. At a natural health center, individuals can receive natural healing treatments and can also acquire knowledge about the various natural medicines available today. Whether you’re making your initial trip to a natural health center, or you’ve come back to learn more about innovative healthcare remedies, you are sure to be awed by some of the ancient and latest complementary medicines offered.For instance, a natural health center is one that promotes preventive medicine and wellness through natural healthcare. Some of the many healing arts services and products that are provided at a natural health center include naturopathic medicine, acupuncture and Oriental medicine, herbal medicine, essential oils and supplements, Bach Flower remedies, chiropractic, and massage therapy, among other related modalities.A natural health center that offers chiropractic medicine will commonly help patients to learn about and understand the various aspects of the treatment. A normal visit to a chiropractic natural health center entails a brief summary about what chiropractic is; its philosophy, and case-taking of the patient’s health history. Most chiropractic doctors (D.C.) in a natural health center will educate the patient on assorted terms including “dis-ease,” and “subluxation.” In addition to taking an X-ray to assist DCs in locating subluxations of the spine, patients are frequently welcomed back to the natural health center for public education classes to learn more about chiropractic medicine. Sometimes, chiropractic natural health centers offer other services like massage therapy, and natural nutrition consultations.A natural health center that strictly provides wellness services like massage therapy, aromatherapy and esthetics is appealing to day spa goers who want to look and feel younger and healthier. Massage therapy services at a natural health center and day spa are often combined with essential oils and aromatherapy, herbal wraps and facials. Individuals who frequent natural health centers like this will often find several natural healthcare and skincare products like herbal medicine, vitamins, supplements, lotions and oils.In an Oriental medicine natural health center, patients will learn about the various techniques and philosophies of TCM (Traditional Chinese Medicine), how acupuncture works, and may be counseled in Chinese herbal medicine nutrition. In some cases, a Doctor of Oriental Medicine may treat patients with moxibustion, cupping, Tai Chi, Tuina (Chinese medical massage), and Qi gong; among other associated methods.Iridologists and herbalists often work closely together in a natural health center where they provide a health analysis through the study of the eye, Ph balance, and kinesiology. Clients quickly learn how certain indicators and markers on the iris may sometimes indicate health disorders and conditions. Herbal and supplemental prescriptions are often advised for therapeutic relief.While there is a wide assortment of holistic healing and wellness clinics throughout the United States and in Canada, one can be certain that a trip to the natural health center will be both noninvasive and educational. In most cases, patients and clients who have visited a natural health center find a sense of overall wellbeing and better understanding to these sometimes misunderstood fields of integrative medicine.If you (or someone you know) are interested in finding natural health center(s) and natural healing schools, let professional training within fast-growing industries like massage therapy, cosmetology, acupuncture, oriental medicine, Reiki, and others get you started! Explore career school programs near you.Natural Health Center: Living Well and Learning¬© Copyright 2007The CollegeBound NetworkAll Rights ReservedNOTICE: Article(s) may be republished free of charge to relevant websites, as long as Copyright and Author Resource Box are included; and ALL Hyperlinks REMAIN intact and active.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , | Comments Off

Getting to the Top of Tire and Automotive Industry

The world is turning to the tire and wheel industry for the latest and greatest in the automotive industry, including retreading. Customers in this industry need to educate themselves on what the best machines are for uniformity, dynamic balance, and geometry.In the automotive industry, tire and wheel assembly rooms combine all the needed functions to mount a tire on a rim, test it for imperfections, all before the customer buys it.Uniformity in the automotive industry, analyzes force variation, runout, and sidewall appearance in tire and wheel assemblies. Without proper inspection, these forces affect the integrity of the tire and ride of the automobile could be drastically compromised. To test uniformity, I suggest finding an experienced company utilizing the ASTEC Tire and Wheel Uniformity Machine.Dynamic balance measures tire and wheel assemblies based on static, couple and upper and lower plane imbalance. If this is not properly checked, the tires could bounce, wobble and steer improperly. For balancing needs, I suggest VTW Dynamic Tire and Wheel Balance System to test tires before put on an automobile.Geometry Measurement systems provide a complete analysis of tire sidewall and tire tread width areas. By utilizing geometry measurements the tire should not have any defects, such as bulges or depressions.As a driver, it is expected that our tires are inspected and good to go when they are brand new. The automotive industry test and measurement system is the before process, before being sold to drivers.If you are in this industry, the experience and knowledge is already there, the machines are probably already in the assembly room. Maintaining the most up to date machinery is important, though.Education is also important. In any industry, there is always more to learn, new technology to make a given process more efficient. TGIS-SL tire geometry inspection is the best of geometry measurement machines. Education involves understanding terminology as well. For example, tire uniformity actually pertains to non-uniformity, which is a quantitative measure of force and runout variation within a tire.I suggest doing a research every now and again to keep ahead of competitors. Who is the leading competitor? Do some research into what they are doing. Why are they the leader? I would say that it is because of the machinery being used and the clientele. There is always a leader in any industry; at least keep up and stabilize to be the top too.

Posted in automotive | Tagged , , , , , , , , , , , , , , , , | Comments Off