Lenders To Avoid – Business Loan And Commercial Mortgage

I have published many articles which are designed to assist commercial borrowers in avoiding commercial loan problems. One of the most serious commercial mortgage business loan situations is a commercial lender that causes problems for their commercial borrowers on a recurring basis. It is particularly this type of commercial lender which prudent commercial borrowers should be prepared to avoid unless viable alternative business financing options do not realistically exist.

As a direct result of my commercial loan experiences advising business owners for over 25 years and regular conversations with other business financing professionals, I do in fact believe that there are a number of commercial lenders that should be avoided. This conclusion is based on a recurring pattern of lending abuses by some business lenders.

This article will not name specific lenders to avoid, but specific examples will be provided to show why informed commercial borrowers should be ready to avoid a variety of business lenders in their search for viable commercial loan solutions. This business financing strategy article will illustrate the significant benefits of avoiding “problem lenders”.

Meaningless Pre-approvals for a Commercial Mortgage Business Loan

An early commercial mortgage pre-approval is often sought by commercial borrowers. The expected advantage to this initial commercial loan approval is that the business borrower can make other business arrangements which are based on the business financing being completed.

An ethical commercial lender will treat any form of business financing approval very seriously. Commercial borrowers should expect that a meaningful version of such an approval will not be realistically possible in just two or three days.

However, there are lenders who prepare a misleading and questionable version of a pre-approval shortly after receiving minimal application data. Because this approach often produces surprises for the borrower as the commercial mortgage process moves forward, borrowers should be wary of any lenders that do this.

Why do some commercial lenders provide such meaningless pre-approvals for a commercial mortgage? There are two likely reasons. (1) To motivate the commercial borrower to stop considering other potential commercial lenders. (2) To provide a business loan pre-approval that is similar to a structure prevalent with residential loans.

Because many commercial loan situations are facilitated by residential mortgage brokers who are typically unfamiliar with normal business financing requirements, this reason will be especially relevant with business lenders that primarily work with residential mortgage brokerage firms. Such a lender should be avoided for most commercial mortgage circumstances.

Commercial Mortgage Loan – Yes or No?

I have published an article which discusses the tendency of many banks to say “yes” when they mean “no”. Such banks will typically attach onerous business financing conditions to commercial loans instead of simply declining the loan. Business owners should explore other commercial mortgage alternatives before accepting commercial financing terms that put them at a competitive disadvantage.

Think Outside the Bank for a Commercial Mortgage

In some non-competitive business markets, it is unfortunately common for a lender to employ business loan terms that would typically not be seen in a more competitive commercial loan environment. Such business lenders can repeatedly take advantage of a non-competitive commercial lending imbalance.

An appropriate response by commercial borrowers is to seek out non-bank commercial loan options. It is neither necessary nor wise for commercial borrowers to depend only upon local traditional banks for commercial mortgage solutions. For most business loan situations, a non-local and non-bank commercial lender is likely to provide improved business financing terms because they are accustomed to competing aggressively with other commercial lenders.

Commercial Property Commercial Loan Appraisals

For commercial mortgage loans, commercial appraisals are an unavoidable part of the commercial loan underwriting process. The commercial appraisal process is lengthy and expensive, so avoiding commercial lenders which have displayed a pattern of problems and abuses in this area will benefit the commercial borrower by saving them both time and money.

Copyright 1995-2007 AEX Commercial Financing Group and Stephen Bush. All Rights Reserved.

Best Career Objectives for your Resume

Career Objective – A statement that presents a vision, guiding principles and future career aspirations for the prospective candidate. It also sets the tone of the entire resume. It tells the reader who you are in a single concise way that encompasses the very essence of your abilities.

Everyone knows the standard resume needs a career objective. But why? Is it because everyone assumes you have to have one? Is it because hiring managers require it? What would happen if you had the most comprehensive and impressive career objective that others were measured against?

The Career Objective should not be:

1. A meaningless set of dribble to fake out the reader
2. A set of words that have no tie to the candidate’s wants, needs or desires for their future.
3. A creation of disconnected terms and ideas that have no business being put together without internal assessment

Companies need to fill positions within their organization with the best qualified individual(s). Hiring managers will review hundreds of resumes with the first 30 seconds being crucial to getting to the second stage. The face to face interview.

What would the be the best career objective for your resume?

Your career objective is a one sentence character representation of who you are and sets the stage for the message you want to deliver. – “This is who I am, who I want to be and how I will make your company successful”

There are many ways to write a career objective that begins to set you apart from other candidates in the eyes of the reader…

Lets examine a sample job description for a Computer Analyst:

Duties and Responsibilities:

Requirements for support specialist include:

Direct support services:

* Plan, create, and coordinate support services in response to office needs.
* Responsible for testing, quality assurance, configuration, installation, implementation, maintenance of all related support services.
* Design, document, develop, test, install, deploy, and teach end users on the use of new and updated support software applications.

Technical assistance services on the standard office applications

* Produce a variety of documentation materials that include tables, graphs and charts
* Provide assistance to personnel in preparation of meeting presentations.
* Provide technical support e.g. enlarging charts and photographs, duplicating tapes and videos, and marking exhibits.
* Operate video editing and duplicating equipment.

These sample career objectives may come from a prospective candidates that may apply:

Technical (1) – To obtain a position within an organization that will allow me to utilize my technical skills, experience and willingness to help others.

Technical (2) – To acquire a position that affords me the opportunity to bring my technical expertise, problem solving skills and willingness to learn to make an organization successful.

Career objectives are the fundamental principles the candidate brings to the table. It enables them to promote their ideals, skills and abilities that an organization can utilize for the sole purpose of growing the company. The better a candidate can articulate the message the better the chances they will be invited to interview.

Ensure A Smart Purchase Of Business Insurance In Edison Nj

Buying insurance for your business, home, or auto is something you should never ignore. The simple reason being the importance of protecting your assets. After all, you never know when the tragedy might strike and the damage might at times get hard to recover. Having a comprehensive coverage ensures that your assets are protected well with minimum hassle. When it comes to purchasing insurance, the key always lies in finding a coverage that caters to all your requirement within an affordable price. To ensure making a smart purchase, you should shop around and compare the policies offered by different firms.

Whether you are buying a homeowners insurance and business insurance in Edison NJ, you can never undermine the importance of comparing between the quotes and finding a policy of worth. This is why you should seek the help of an independent insurance agency before taking the big call. Scheduling a consultation with a professional ensures that you get to choose a policy that caters to individual requirement. Business insurance can vary with the nature and type of the same. So, it is important to analyze the requirement and ensure a purchase in the same line.

The Importance of Buying a Business Insurance

If you are business owner, you should always work towards finding the best coverage catering to your needs. Simply because, even a single lawsuit can lead your business to bankruptcy by clearing all your profits paving the road to great business loss. Ensure complete protection for your business with a comprehensive business insurance in Edison, NJ and that too at affordable rates. Whatever be your needs finding coverage is easy with the help of a professional. Here’s a look at what is on offer –

Business Liability Insurance
Business Property Insurance
Business Auto Fleet Insurance
Group Employee Life Insurance
Workers Compensation Insurance
Group Employee Dental Insurance
Group Employee Health Insurance Plans
Group Employee Short and Long Term Disability Insurance

You can easily compare between the policies and purchase business insurance in Edison, NJ according to your needs with the help of a professional.

Buying Home Insurance How a Professional Helps

Similar to business insurance, you should also focus on buying a homeowners insurance in New Jersey for ensuring complete protection to the biggest asset in your life. Shopping for home insurance can get difficult especially with the availability of a number of coverage. Seeking help from a professional ensures that you get to compare, comprehend, and choose from multiple carriers with minimum effort.

Usually, a typical homeowner’s coverage includes the following aspects –

Liability
Home structure
Replacement costs
Personal possessions
Living expense following a disaster

To an usual home insurance in New Jersey, you can also add other supplemental policies like –

Flood coverage
Earthquake coverage
Umbrella insurance policies i.e. additional liability
Before buying a coverage, you should understand that your needs are different and what had worked for your relative might not bring the same kind of results for you. This is why, you should always shop around for the best homeowners insurance in New Jersey and make a confident purchase with the help of a professional.

Medical Career Training — How to Choose the Right Field

Receiving the right medical career training can be a daunting task, especially when it comes to choosing the right school. In this article, we’ll look at the best ways to go about receiving your medical career training, and picking the right schools.

First, it starts with choosing the right program that you would be interested in getting career training from. For example, the traditional categories are medical technician, alternative medicine and natural healing, nursing, general training, medical records and administration.

A medical technician is a challenging yet rewarding role. For example, emergency medical technicians, also known as EMTs, are the first people to arrive on the scene when there is a medical emergency. They literally can be the difference between life and death in many cases.

Alternative medicine and natural healing is becoming less alternative and more mainstream in this era of information. It is arguably one of the fastest growing industries in the United States. There are many different fields in alternative medicine which you can choose to make a career out of, such as herbal medicine, homeopathy and massage therapy.

Nursing will always have a demand, especially as the life expectancy of the average citizen of the United States continues to rise. Also, considering that many doctors are becoming more and more specialized, it requires more nurses for direct and general health care than ever before.

Medical career training dealing with medical records is also on the rise. The fact is health care facilities in the United States are growing, and each facility needs somebody who has a financial understanding of the industry. It also offers you the ability to work independently as a biller, or even as an insurance specialist to help patients with their insurance bills.

Administration training is important because it is essential to have the right equipment, staff and resources available in any health care facility. Equally as important is avoiding excessive waste in the facility, so operations can run smoothly and best inexpensively as possible.

If you’re still unsure what kind of career training you would like to get in a medical field, you can always enroll in a general medical training school. This will help you get the basic knowledge on the different roles related to the field of medicine and health, which can make you highly employable for many opportunities.

In conclusion, I have given you some different programs and schools to choose from when considering your medical career training.

Hp2-n35 Selling Hp It Service Management Solutions Exam

The target audience for this HP2-N35, Selling HP IT Service Management Solutions exam includes the sales professionals who basically recommend and sell the HP Software IT Service Management products and solutions all based on customer business requirements

The HP2-N35, Selling HP IT Service Management Solutions exam comprise upon five sections or topics which are discussed below along with the percentage of each topic. These percentages of each topic basically indicate the area that is covered by that topic in the exam that is the higher the number, the more likely are the questions to be seen in exam of that particular topic.

The fundamental business challenges involved in ITSM this covers about twenty percent of the exam it deals with the common business challenges associated with ITSM, and common business challenges specific to the service management, asset management, CCRM, and SACM. The identification and description of major IT processes, base term and metric involved in service management, asset management, CCRM and SACM.

Understanding the customer section is of four percent in the exam which covers the key customer personas that are involved in ITSM and their responsibilities, and also involved in service management, asset management, CCRM, and SACM and their responsibilities. The key HP value statement that will resonate with the different personas involved in the service management, asset management, CCRM, and SACM.

Understand the value of HP softwares ITSM solutions to customers section, covers thirty six percent of the exam including HP software addresses to the challenges relating to ITSM, and to specific customers challenges that are related to service management, asset management, CCRM, and SACM, the value proposition for the HP softwares ITSM solution, and for the HP softwares service management, asset management, CCRM, and SACM.

Understand the capabilities of HP softwares ITSM solutions section covers about twenty two percent, it includes the key capabilities of HP softwares ITSM solution that help the customer achieve their goals, the differentiators when discussing the capabilities of HP softwares ITSM solutions, and service management, asset management, CCRM, and SACM. This section further includes description of the specific capabilities of the HP softwares service management, asset management, CCRM, and SACM.

Sales approach section covers eighteen percent which include HP softwares service management, asset management, CCRM, and SACM are licensed, implementation options available for the HP softwares service management, asset management, CCRM, and SACM. It also includes major competitors list and what differentiates HP softwares approach to business challenges from its competitors.

This exam HP2-N35, Selling HP IT Service Management Solutions comprises upon forty five number of items which consist of the type that includes multiple choice (single response), and multiple choice (multiple responses). The time allowed for this exam is seventy five minutes that is around one hour and fifteen minutes for the candidates to complete this exam. The passing score that is required for this exam is seventy percent.

It is strongly recommended that candidate should have training, review of course outline and additional study material and sufficient experience on field that is the candidate should have at least six month experience in selling HP Software IT Service Management products and solutions prior taking of this exam.

On Choosing The Right Advertising Channel For Your Brand

An advertising media plays a significant role while positioning the brand amongst target groups. It is through the very advertising channel or medium that customers access the brand message and are motivated to buy or adopt the product. A strong channel of advertising provides a rich impact about the brand on TGs mind while a poor advertising channel fails to provide the targeted impact amongst target groups. While choosing or deciding on the channel of brand communication, the advertiser should thoroughly understand the objective of the campaign and accordingly choose the medium or channel of advertising.

In todays article, let us take a look at some means of advertising implemented by brand owners to advertise their brands amongst customers and also find out how each and every medium is important to effectively convey the brand message to target customers.

Television Media

Television advertising i.e. a promotion campaign of a brand or service through a television channel or channels is one of the popular means of communicating any brand message to customers. Television Advertising has a major advantage as compared to other means of promotion. Enriched with audio-visual effect, customers love watching the various brand commercials that are telecast through the numerous television channels.

Radio Media

Radio Advertising is one of the cost-effective means of promoting a brand amongst customers. Radio advertising campaigns also provide a mass appeal as one can easily access the brand message through a radio channel. The rising number of FM channels over the years is an insinuation how radio advertising is still popular as one of the effective means of brand promotion.

Print Media

Print Advertising includes any form of brand message that is available in a written format. Brochures, fliers, pamphlets, leaflets, classifieds etc. are some forms of print advertising widely adopted and implemented by brand owners to advertise their products amongst target groups. Though there is a rising popularity of new age media, print ads are still effective means of brand communication which is why innumerable numbers of brand and business owners still launch various promotion campaigns through print media.

Outdoor Media

Outdoor Advertising is one of the conventional means of promoting a brand, business or service. Billboard advertising, hoarding ads, wall posters, paintings, kiosks ads etc. are some forms of outdoor advertising. Over the years, the induction of digital technology has brought about a drastic and dramatic change in the OOH domain. Providing a classy look about the brand in a larger than life format, an OOH media provides a strong brand appeal on customers mind.

The Most Recommended Business Consultants In Dubai Centurion Consulting

Specialists can bring aptitude and encounter that your business does not have generally. They can help oversee long haul systems, finish an extend that obliges very particular aptitudes or help you accomplish work proficiently. Whether you need to benefit administrations of master administration Consultants in Dubai or you essentially need to outsource all your business bookkeeping, a decently rumored firm can help you open the capability of element business development and will help and necessities in a modified manner. There are few rumored business consultancy firms in Dubai which offer an extensive variety of administrations including organization joining, bookkeeping outsourcing, business capacity outsourcing and Feasibility studies and Management Consultancy benefits according to clients particular business needs. The firm will help you set up another business effectively in UAE and you can undoubtedly get the quite required financing counseling administrations from the heading special.

However before selecting the suitable consultancy firm in Dubai, you must check the certifications of the organization and its demonstrated track record of achievement. You can either address its past customers or simply contact the masters to check their suitability and legitimacy. The chose consultancy firm must have the capacity to give you tweaked business administrations which will help you in overseeing Business in Dubai. A master business consultant can direct you to perceive all the pitfalls in the method for achievement or building a fortunate business brand. Whether you need to set up another business in Dubai or are searching for an one stop business consultancy administrations which will help you adequately band together with different organizations to run a joint wander, a presumed consultancy firm can end up being imperative a piece of business needs and prerequisites of an organization.

Benefitting administrations from a rumored consultancy firm in Dubai will help you spare a lot of time and cash which will help you setting up organization in Dubai. You can utilize the spared time and cash in finishing works of other most astounding necessity while the specialists of the counseling firm will handle the essential bookkeeping capacity, or buy division, deals office, receivables, payables, keeping money and account capacities and administration according to your needs and prerequisites. Frequently the specific administrations of master administration specialists and bookkeepers of a firm can turn out to be extremely valuable and can prepare for attractive business achievement and advancement. You can doubtlessly pick up a ton from the aggregate and years of encounters of master specialists and this will help you make proactive moves to escape from the pitfalls of achievement.

Centurion counseling is one such firm which holds an unique position in the business. The consultancy firm with a group of master business and administration advisors give redid business administrations to its customers according to their particular needs and necessities. For more data and administrations don’t hesitate to visit the website online at www.centurion-consulting.com.

Whitewashing In Fashion Industry Where Have The Black Models Gone

Ever felt, why there was a relative absence of black fashion models in the recent fashion week? No doubt, its true that the cut throat competition brews in between the model agencies for searching for the most glamorous fashion models, with the best of poses, head shots and beauty. But with innumerable white models, walking down the ramp, its definitely getting difficult for black women to mark their advent, unlike as they did during the late seventies.

So, does race play a pivotal role in deciding the career prospects of this tempting fashion industry? Are the days of black celebrities like Naomi Campbell, Liya Kebede and Donyale Luna, finally over? Sadly, these questions reveal some hard and bitter truths. On one hand, black fashion wear might have appeared as a style statement, but sadly on the other hand, the entire fashion bustle is perhaps undergoing a complete white wash. Long back, Ms Mendoza happened to be the first black woman to be crowned as Ms Columbia in 2002. But no other black woman could repeat history again.

Earlier, the black fashion models used to grace the cover of more than hundreds of magazines like Hapers Bazaar, Cosmopolitan and Vogue. Fashion models like Waris Dirie, had even modeled for Express jeans and Chanel. Along with the top model agencies, even the advertising giants like Tommy Hilfiger and Abercrombie & Fitch hired these black models. Several international fashion magazines, fashion model portfolios, commercials and catwalks featured the budding black models that had literally set the bestowed platforms on fire, with their cuts, curves and figures.

But nowadays, the so-called universal fashion models agency poses challenging situations for the black women. The number of black women chosen by the glamorous model agency has dramatically decreased. Now, even the fashion aficionados rejoice upon seeing a black face in the fashion magazine. So is it deliberate discrimination or not? No doubt, around twelve percent of the world population includes black people, but are these statistics enough to confront the selection of the models in any international model agency? Perhaps not!

Earlier when fashion commenced into an industrial platform, it started with the selling of clothes and creating vigor, dash and genre for fashion hunters. But now, it has drooped to the business of selling beauty. Somehow, the international designers feel that black women cannot portray the stereotyped image of beauty. Sadly, they don’t realise that their expensive attires are also worn by these black beauties.

Why Thick Business Are Cards The Best For Any Business Owner

Every visionary business owner is willing to do anything to take your business to the next level. A Thick Business Card is the best way of promoting your business amongst all you clients. The 17pt business cards are unique, professional and very powerful advertising tool that is very convenient for all business strategies. These cards contain information such as contact information, business social media accounts, area of expertise, company logo, photo, and your branding statement. It is designed to provide detailed information to your expected clients. With all the kind of digital developments in the world today, nothing is easier for sharing contact information than a business card.

The silk Business Cards are highly durable and last up to six times longer as compared to regular cards. The 17pt thickness is an exclusive feature that makes you business card to impress all your clients. It is a feature that makes these business cards to belong to a distinct class.

Who Should Have A Thick Business Card?

The Thick Business Cards are usually designed and laminated with silk finish. This makes them to remain strong and durable for a longer period as compared to ordinary business cards. These silk business cards are typically ordered by businesses such as spas, fancy hotels, real estates firms, graphic designers, boutiques, and concierge services. You can also order for these cards if your business deserves 100% flawless environment, which is unique in the world of printing. Ordering for these cards is never a disadvantage since it comes with the following benefits:-
Silk lamination that makes the cards look elegant
Durability of the cards
17pt thickness which is a unique feature
It has an optional foil stamping feature that allows you to place your own desire foil type such as silver foil, gold foil or colored foil
You also add a UV gloss layer to the card which makes a pretty separation between the finishes, silk and gloss
During printing, you do not have to budget for a first impression since it is priceless.
These benefits are more important to your business since you will make the perfect impression that you so desire.

What Is The Satisfaction Guarantee Of Printing Thick Business Cards?

Do you want 100% satisfaction from your business cards? Do you want a business card you are not sure of service satisfaction? Do not worry. The Thick Business Cards are designed to suit your business needs. All the desired information that you want them to appear in your business card is carefully organized to ensure that no important information is omitted. To ensure that you get 100% satisfaction, a reprint is send to you so that you confirm the details in addition to the design. This way, only want you have approved is what will be printed for you. It is this easy. Just go ahead and submit you order today.

Electric Blanket-shantinath Sales Produce Most Efficient Electric Heating Products

Shantinath-Sales Produce Most Efficient Electric Heating Products Like Heat Pad Electric Blankets, Heat Quilts, Body Warmer Under Blankets, Electric Heating Under Blanket Etc.
We are the manufacturer of Electrical Heating Blankets/Bed Warmer and many other products used for cold climates which are easy to operate and economical in comparison of heating a room which is up-to 20 times costlier. You can get much better results with very low power consumption,
These blankets/pads are made for cold winter night and are useful to avoid shivering and pain relief. Modern electric blankets /pad are 100% safe. The blankets/pads are available in different sizes and are fitted with a three stage temperature controller.
Many episodes of pain come from muscle exertion or strain, which creates tension in the muscles and soft tissues. This tension can constrict circulation, sending pain signals to the brain. Heat application eases pain by:
dilating the blood vessels surrounding the painful area. Increased blood flow provides additional oxygen and nutrients to help heal the damaged muscle tissue.
stimulating sensation in the skin and therefore decreasing the pain signals being transmitted to the brain
increasing the flexibility (and decreasing painful stiffness) of soft tissues surrounding the injured area, including muscles and connective tissue.
As many heating pads are portable, heat may be applied as needed at home, at work, or while traveling. Some physicians recommend alternating heat and ice for pain relief. As with any pain treatment, a physician should be consulted prior to beginning treatment.

100%TEFLON base material is used for perfection of the product
DOMESTIC USES indoor as well as outdoor.
Heat Tracer, Barrel Heating pad and other industrial products
Contact Us

Contact Person :
Mr. Suresh Jain

+91 9999012672, +91 9250027671, 91-11-65392672
[emailprotected]
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Bhai Akhil

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