วันพฤหัสบดีที่ 2 ธันวาคม พ.ศ. 2553

Is it Simply Weight Loss? - Finding the Truth in Commercial Diets

How many times have you or a friend gotten excited about the newest 'diet craze' to hit the market? You see an ad full of thin, smiling people doing active things highlighted by the many benefits of the product? From prepackaged meal plans to pills, it is not just simply weight loss anymore. For many business people, there is money to be made in the world of dieting. This can have an adverse effect on the quality and effectiveness of new products. The downside for consumers is that, it really is not simply weight loss anymore. It is possibly a way to lose money on a product that does not work. Before you run out and spend hundreds or more on a commercial diet or product, there are a few things you should keep in mind.

Amazing Promises of Fast Weight Loss

"Their website says it's simply weight loss at its best!" Of course the company is going to talk their product up. You might even find customer comments everywhere, praising the product. However, remember there is a buck to be made here. Always check other sources for reviews on the product. There are many websites dedicated to presenting an unbiased look at a product, scrutinizing it's potency with a sounding board for real customers. If you notice confliction between what you read on their website and what you read off of it, think twice before buying.

The Label says it Works!

Bad press would do little to help sales, so of course the company will keep things positive on the label. Whether it is simply weight loss focused or intended to do more, make sure you get the facts about how it works. Research the ingredients list and find out what is really in the product and how it will make you drop weight. Some manufacturers will put a lot of information on the label that can become confusing, and all of it is meant to sell you on the product's effectiveness. Always search for a list of potential side effects or health risks, no matter how small the print is.

Don't be a Sucker

It's simply weight loss, right? What's the big deal? Your health is the big deal, and these products can greatly affect it. Some can really damage your body without you realizing it until it is too late. Make sure you do your homework and find out what previous customers thought of the product. Also check for discrepancies on the website versus what you find through other, more reliable sources. One of the best pieces of advice you will hear is: if it is too good to be true, then it probably is! Know what you are buying and avoid thinking it is "simply weight loss." You should take your body and health seriously. Make sure you know what you are putting in it and avoid relying on companies to give you 'good' information. You can lose weight fast, but make sure you do so safely




Wendy Livermore of WeightLoss-User-Reviews.com, specializes in helping you shed the pounds fast and rid your body of excess fat naturally without expensive pills that don't work. Wendy, a weight loss specialist by trade constantly reviews new resources that help you discover the most effective fat loss techniques to get your body back into shape that work! Turn your body into a natural 24/7 fat burning machine. Check out actual user reviews and feedback of the most popular get your weight loss resources at WeightLoss-User-Reviews.com.

วันพุธที่ 1 ธันวาคม พ.ศ. 2553

What is Required For Commercial Liability Coverage? What is Optional?

Is a small service company less likely to have a lawsuit brought against it than a manufacturing plant? No, but this is a common misconception among office-based businesses. The fact is, in today's dynamic and complex business climate, businesses small and large, office-based, or physical-labor intensive, are all equally susceptible to various claims.

Typically, with Commercial Liability insurance coverage, four types of claims are covered: bodily injury; property damage or loss; personal injury, such as libel or slander; and advertising injury. While commercial liability insurance is fairly inexpensive, costs for defending a claim are not and if the company does not have adequate commercial liability insurance coverage, it may have to foot the bill. This, in turn, could lead to financial hardship or bankruptcy. Commercial Liability insurance coverage will pay for all damages, legal fees and settlement charges up to the policy limits.

Commercial Liability insurance for office-based businesses is absolutely essential for financial planners, mortgage brokers, medical offices, architects, and engineers, to name a few. Too often, however, a business owner will forego liability insurance in an effort to reduce operating costs. This may save the company some money on paying premiums, but it also exposes the business's assets to paying for damages, if found liable, as well as legal defense expenses, regardless of whether the business is found liable or not.

Small business owners can take several proactive steps towards reducing their insurance costs, including:
  • Shop around: Business liability insurance coverages range by company; read up on what is covered and what is not. Review policy plans from several insurers and compare rates.

  • Consider a Business Owner's Policy (BOP): Rather than purchasing separate types of insurance from various companies, consider purchasing a package of policies. This will help eliminate costly duplication of benefits and, in some cases, special rates are offered on packaged policies.

  • Enlist a specialist broker: If the small business operates in a niche, it will often require specialized insurance to safeguard against unique risks. Insurance brokers will know what coverages are necessary for the business and know where to go for the best rates.
  • In some cases, operating without insurance is not an option. Federal and state law requires certain businesses to have liability insurance coverage, referred to as Workers' Compensation insurance. Additionally, some states also require auto insurance. This typically provides coverage for injury, damage or theft on company-owned vehicles, as well as for employees who may be involved in an accident while driving a personal car on company business.

    Business owners can also purchase specialized, optional coverages specific to their industry. In fact, there are a number of products and services that compliment Commercial Liability insurance for office-based businesses. These include:
  • Directors and Officers - this protects directors and officers against claims of alleged negligent conduct committed in their role as director or officer.

  • Errors and Omissions - protects individuals and organizations against claims of professional negligence and errors or omissions in professional work.

  • Umbrella/Excess Liability - this provides additional coverage when insurance limits on an underlying policy are exceeded.
  • Optional coverages offer an extra layer of protection and are designed to meet unique needs. For small business owners who may not want to spend the additional money, Commercial Liability insurance is good coverage to start out with. When searching for proper coverage, an agent can help assess what will best fulfill the needs of a small business.




    James Cochran is the founder of Business Insurance Now, a company specializing in commercial liability insurance. Business Insurance Now also offers professional liability insurance for those in the consulting industry and workers comp insurance to cover your company's employees.

    วันอังคารที่ 30 พฤศจิกายน พ.ศ. 2553

    Why Loan Modification is the Real Deal

    There are a lot of myths flying around concerning home loan modification. There are TV commercials, internet advertisements promising lower monthly payments. It sounds enticing, but you are not sure if it true or not. A mortgage modification does lower monthly payments if approved, and approved is the key. Not all mortgage modification applications are approved. If a homeowner was living at their income level and not overspending, and just hit a financial hard patch, they will more likely then not be approved. But if they were overspending, and took a bigger loan than they can afford, the lender will reject the application.

    In any case a loan modification is a viable solution for struggling homeowners. A mortgage modification can stop the foreclosure process, prevent the homeowner from entering the foreclosure process, and even readjust adjustable rate mortgages to a fixed rate.

    Besides the obvious benefits of lower mortgage payments, a mortgage modification has other advantages over other options. The lender usually does not the credit score in order to make their decisions. That is due to the fact that the homeowner has a loan already and was pre-approved with their lender. A loan modification is also less of a hassle. Refinancing is a new loan, and a lot of paperwork has to be read and signed. A mortgage modification consists of an application, a hardship letter, and a few phone calls to the loss mitigation department.

    Many homeowners have modified their loan successfully, during this real estate crisis. Lenders are approving mortgage modifications at an all time high. If you are struggling with your payments you should check out this option and if you are serious you should consider checking out 60 minute loan modification. 60 minute loan modification is an all in one loan modification guide. It was created by a real estate expert who has modified numerous home loans. It includes everything a homeowner needs to modify a home loan. Overall it's a great resource to have.




    If you want to learn more about loan modification and 60 minute loan modification click here.

    วันเสาร์ที่ 27 พฤศจิกายน พ.ศ. 2553

    The Truth About Debt Relief Solutions Everybody Should Know

    No matter where you look, you're hit with advertisements and commercials guaranteeing debt relief. According to many of these ads, you can be out of debt in a year or two, without changing your payments, or by paying less every month! Or, even better, you can get your tax return early, and use that to pay off your debt. But why not just go shopping with it instead?
    You can buy what you need (want?) with that "free money" and not go further into debt, right? Yeah right!

    As you've probably already guessed, it's not exactly guaranteed. There are some big problems with many methods of debt relief you hear advertised. The biggest problem is that they're trying to put a financial band-aid on a behavioral broken limb.

    However, don't get me wrong, it can certainly be done. Getting out of debt by yourself may not be as hard as many people and companies want you to believe that it is. Many companies have ads on television and online that tout their abilities to get you out of debt quickly and easily, but getting out on your own can usually be just as convenient, as long as you have a plan.

    Getting out of debt is actually the easy part. The problem is, that the majority of people get into debt very quickly and never really learn how to get debt free afterwards. The most basic idea to being without debt is to not en cure it at all. But, the life style that we have chosen and has been bombarded into our minds through media and our parents not fully explaining to the younger generation that it is much wiser to pay for things only if you can afford it!

    My advice to you is to START SMALL! Try the cheaper do-it-yourself programs first and work your way up before you go and take out another loan to hire a professional debt relief service.




    From my personal experience with escaping debt, I honestly suggest you visit Debt Relief America Learning the techniques found there was the turning point for me, and I think it will be the same for you.

    วันอังคารที่ 23 พฤศจิกายน พ.ศ. 2553

    Tips on Commercial Loans Refinancing

    This article has been written for New Zealand businesses and makes reference to banks in New Zealand.

    The amount that banks are prepared to lend depends on a number of factors including the security you have to offer and your capacity to fulfil your repayment obligations.

    The more successful your business is, and the stronger your cash flow - the more the bank will be willing to lend.

    How much can I BORROW for my business?

    1) Generally the banks will lend between 35% and 65% of the purchase price of the business.
    2) If you are buying a reputable franchise it could be from 50% to 75%.
    3) A stand alone business can be more towards 35% or possibly more.

    What BANKS look at when you apply for a business loan:

    • Type of business,

    • Management systems,

    • Past performance trends,

    • Cash flows,

    • Your experience in running the business,

    • Goodwill and fixed assets are also taken into account.

    % Interest Rates

    It is important to note:

    • Interest rates are lowest for loans secured by residential property,

    • Higher when secured by commercial property, and

    • Possibly even higher when secured by business assets, with no other collateral.

    Security

    Banks tend to lend 50% - 60% of collateral security to specialist businesses such as hotels etc. The servicing of the debt from business and other resources needs to be to the banks satisfaction.

    Your Business Loan VS Your Home Mortgage - being smart with your structures

    Businesses that have been running for a number of years would have arranged their banking facilities and securities on day one. As time goes by and the business has progressed, there is a chance of separating business and personal assets by re-structuring the finance between bank and non-bank lenders at the same competitive rates.

    Scenario

    Bank 'A' had cross collateralised the client's home, investment house, beach and commercial property as security for the business' overdraft, term loan and their personal facilities, including credit cards. Simply, all lending facilities were secured by all available property including the family home.

    The clients required further facilities for a business acquisition and the bank declined the request. The clients found an experienced mortgage broker, who reviewed their finances isolating their business loans from their personal debts and refinanced the residential properties with Bank 'B', repaying this current bank in full. This left the commercial property debt free to allow a mortgage to acquire further products.

    TOP TIP

    Whether you are considering buying a new business or have been in business for many years - find an experienced mortgage broker who deals with business owners, and complete a review of your current loans structures. This may help you with your cash flow and save you money.

    Co-Author Gary Hey, Mortgage People, Auckland, New Zealand.



    วันอาทิตย์ที่ 21 พฤศจิกายน พ.ศ. 2553

    Dodge Sprinter Leads Commercial Vehicle Market

    Today, worldwide almost one in five new vehicles sold is a commercial vehicle and Dodge has done an excellent job of providing buyers with plenty of options. Their commercial vehicles are now among the best selling in the world, and a great deal of that success has been due to their Sprinter model.

    - Dodge Is an Industry Leader in Commercial Vehicle Sales
    During the first half of 2008, the company experienced a 123 percent increase from the first six months of 2007 in commercial sales with 20,177 units sold. That allowed Dodge's share of the total retail market for Class 3-5 vehicles to grow to 21 percent, with sales of its Sprinter also jumping up 21 percent last year. This boost in sales has made them the fourth largest manufacturer of commercial vehicles worldwide.

    "While continuing to conquer new territory and set new commercial standards, the commercial car market remains a white-space opportunity for the Dodge brand," said Mike Accavitti, Director - Dodge Brand Marketing in an interview. "Dodge has introduced six all-new cars since 2003 and we will continue to fill this space with bold, powerful and capable commercial-grade vehicles."

    - Dodge Offers Best-in-Class Fuel Economy and Price
    Since returning to the commercial vehicle market in 2004, they have created several trucks and vans that have earned "best-in-class" awards for fuel economy, including the Dodge Ram 4500 and 5500 Chassis Cab models. Their cars also boast of low maintenance costs, which have resulted in a 16 percent market share of the Class 4-5 segments.

    "Delivering maximum uptime, dependability, capability, safety and increased savings, Dodge is continuing its commercial market onslaught with a barrage of product enhancements and upgrades intended to further improve an already great commercial line-up while better serving our business customers' specialized needs," Accavitti added.

    - The Dodge Sprinter Provides Exceptional Value
    And of course, the Sprinter, introduced in 2003, is one of their crown jewels in its commercial fleet. It has the lowest ownership costs of any van in its class and leads its segment in fuel economy, getting about 25 freeway miles to the gallon. In terms of its specifications, the Sprinter cargo van offers two wheelbases of 144 and 170 inches, as well as three body lengths of 233, 273, or 289 inches.

    Consumers may choose from standard, high, or Mega Roof heights. While many features like antilock brakes and automatic climate control come standard, there are lots of great things like rear parking assist, heated front seats, and integrated phone connectivity that can be added as options. The Sprinter has a 3.0-liter turbodiesel V6 engine, with 154 horsepower, but buyers can opt for more horsepower by choosing the 3.5-liter V6 engine instead.

    The full-size van continues to be a major hit with consumers. During the first seven months of 2008, the company sold more than 9,500 Sprinters, a 21 percent increase from the previous year. One of the reasons for its long-lived success is that at least three of the world's most recognizable courier services chosen to invest heavily in Sprinter fleets. Its fuel efficiency and practical design make it a great buy as both a passenger and cargo vehicle.




    It's no surprise that the Dodge Sprinter is a winner in the commercial vehicle market. Whether you need a vehicle that can be used as a delivery van, chassis cab or a minibus, the Sprinter is the perfect car for you. Find the right one for you at www.sprinterdealer.net.

    วันอังคารที่ 16 พฤศจิกายน พ.ศ. 2553

    High-Definition Mini-Camcorders Breaking New Ground

    As we get closer to the high-definition television standard becoming reality, HD is no longer an option that we look at in awe, or even something that we necessarily pay extra for.

    Consumer electronics, probably more than most commercial products, tend to hit rock bottom prices like a lead weight, shortly after being released. If you don't want to pay $500 for that new top-of-the-line, full-featured digital camera, well, wait for a few months and it will probably be half that price.

    A short time ago, high-definition was only offered in the best consumer model camcorders, and at a price that usually kept the higher resolution out of reach for many. Now there's more than one manufacturer producing solid-state memory, HD mini-camcorders that are equivalent in price to a mediocre digital still camera. Although the feature list on these cameras is very short, it is supposed to be. These cameras are meant to be fit-in-your-pocket (any pocket), shoot-a-video-by-pushing-a-single-button, convenience cameras. This is a niche they fill very well also.

    Having seen the quality of video captured by two of the present offerings, the minoHD (Pure Digital Technologies), and the Vado HD (Creative Labs), I can say that, although they won't replace your larger, full-featured camera, they do offer very good quality at an even better price. They are right at home shooting a quick 2 minute video to quickly be uploaded to YouTube or one of the many similar sites. However, they also allow you to capture video in excellent quality that can be used for enjoyable viewing on a large screen.

    Going back to the limited features: these cameras won't be the ones you grab if you need to have up-close-and-personal video capture. Nor will they fill the need if you're going to record something needing other special capabilities. They do what they do, and they do it well, but they are limited.

    When you can have this video quality available in such a small, convenient, inexpensive package, it only increases the amount of amazing video clips that will be available online for all to see, and also the amount of quality digital images that most people will be able to capture, archive and enjoy for many years to come.




    The minoHD is the most current offering in the quality video products being released by newcomer Pure Digital Technologies.

    The Vado HD is a product from Creative Labs, and is very similar in price, performance and features to the MinoHD. As of this writing there were also solid-state memory, mini HD camcorders from Kodak and RCA.

    Jeffrey Norris is a freelance writer and amateur digital photographer and videographer.

    วันจันทร์ที่ 8 พฤศจิกายน พ.ศ. 2553

    Highlight Your Business With the Brightest in Commercial Lighting

    To have great products or services is all well and good however if nobody enters your place of business to inquire about or employ your services you'll quickly find yourself out of business. It's also a good bet that there is another business whose services and products are very similar to yours. Furthermore businesses similar to yours may have been in the area longer and will therefore have established repeat business. A business located in an area that's full of activity must do something to draw attention to itself, something that will help it stand out amid the other businesses residing in the same region.

    One way to accomplish such a thing is to apply classy decor to the exterior of your business. Things like color, signs, and objects can lure people in off the street and into your business. In addition to these effects a business owner can implement commercial lights into his/her exterior and interior decor.

    Commercial lights placed on the outside of a business are almost always eye catching and if nothing else will get passerby's to read your sign. If commercial lights are used creatively however there's a very good chance that people will not only read your sign but will venture through your door. The same can be said about interior commercial lights. If the lighting inside your place of business is used to create a specific or surreal mood people on the street will often stop inside to take a closer look at the lights they see through your window.

    Of course once these would be customers enter your store your interior must impress them as well. A layout that is conducive to free moving traffic is always beneficial as it will keep those in your store from feeling crowded or stuffy. Allowing customers easy access to your best products is also a good idea. In business like all other aspects of life you should be putting your best foot forward. Once a customer enters your store the time for teasing is over. Show them your best and make it hard for them to ignore it from the moment they walk through your door. Commercial lighting will help you do just that.

    Though there are a large number of things that a business owner must do the aforementioned are basics that if done with careful and creative planning can help a business, especially a new business stand out amongst the crowd. Drawing attention to a business with Commercial lighting is the first ingredient in the recipe for success. Keeping things simple yet imaginative can really help your business hit the ground running.




    Kimberly Green is helping businesses put their best foot forward with interior commercial lighting to shed some light on the subject. While exterior commercial lighting will get your customers through the door.

    วันอาทิตย์ที่ 7 พฤศจิกายน พ.ศ. 2553

    Television Workouts to Do During Commercial Breaks

    Watching television is the most common leisure activity along with surfing the internet. Once in awhile (with emphasis on the "Once"), you may watch television especially on shows on the History Channel, National Geographic Channel, or other better channels. You may watch some of these "reality shows" but there does not seem to be any redeemable value on those types of show. But, I digress. You can keep physically active while watching television. Here is a workout routine you can do during commercials.

    Do a round of push-ups. You can vary the kinds of push-ups for variety. If you have a pull-up bar available, that would be great. But, if you can do some push-ups, then that is better than doing nothing. Push-ups are great for the chest, shoulders, and triceps. Try to work on getting 100 push-ups in a few sets. Also, try to vary your hand-position. When your hands are closer together, you will be working on the triceps more. Later, try clapping push-ups, plyrometric push-ups, or even one-armed push-ups.

    Sprint in place. Sprinting in place will get your metabolism in gear. Sprint in place for 20 seconds then rest for 10 seconds. Then, do this round again until the commercials are over. Sprinting is an excellent anaerobic activity for your body. You will continue to breath hard long after the exercise is over. This is a key for muscle tone and even fat loss.

    Do crunches together with back flexor exercises. Do about 25 reps of crunches. Then, flip over and do about 25 reps of back flexors. You will hit the abdominals and lower back at the same time. I am not a big fan of crunches. But, done together with back flexors, it is a good exercise to do during commercial breaks.

    In one thirty-minute span, you should be able to go through all three of these routines (push-ups, sprints, crunches/back flexors). Keep active. Now, if you are watching over 2 hours of TV every night, you may want to cut back on your TV and do some quality workouts. Do not watch too much TV. If you do watch some TV, you can do these exercises during commercial breaks:

    * Push-ups
    * Sprint in place
    * Crunches/Back-flexors

    Activity is always better than inactivity. It is best to set aside a time and place when you do your exercise routine. On those rare instances where you find yourself watching television, try out this exercise routine.




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    วันศุกร์ที่ 5 พฤศจิกายน พ.ศ. 2553

    Managing Cash Flow in Tough Economic Times

    The global economic recession has hit everyone hard. However, it is the commercial ventures that have taken a harsh blow from the recession. A successful business is a rarity today. The secret to a successful business at any time would be healthy cash flow. Cash flow becomes all the more important in today's environment with economic hardships and credit crunching. The importance of cash flow can be brought into perspective when one considers the scenario with no cash. A lost customer is just that, a customer you have lost and will not get back. This customer can be replaced by another customer whom you will treat properly and ensure he stays a loyal customer. However, a situation where there is no cash leads to a situation where you cannot pay your creditors or suppliers. Some times you cannot even pay your employees. This will mean that you do not have a service to provide and when you are not providing a service you do not have a business.

    Thus, proper management of business funding is extremely important to keep your business afloat and make it successful. The most important step in any problem would be the first step, understanding the problem. This is how you must approach your business funding problems. This understanding will lead to you managing your business funding effectively. The word cash flow has more to it than the layman's opinion that it is just a fancy word describing the transfer of money to and from your business account.

    To understand cash flow, you need to carefully analyze your business funding . Analyzing business funding will also help you to gain some control over it. While analyzing the cash requirements, you can see the areas which you do not have control of. These are the areas with a problem and need immediate work. To reach this point, you will need to individually inspect each and every component that makes up your business funding cycle and decide whether it is a problem or not.

    It would also be a huge advantage if you can draw up a cash flow budget. A cash flow budget is a very effective way to control and manage business funding . In such a budget, we try and predict your company's cash requirements for a specific period of time, usually six months into the future. It is great if you can draw up a budget for a longer time like a year or more.

    A big part of managing business funding would be improving it. All that analyzing is of no use if you cannot, some how, improve your cash flow. Increasing your cash flow will ensure your business is running successfully and you do not have much to worry about. Make sure all of your debtors pay on time. Try and make them pay a little before time. This will always help. Also make sure you do not pay your creditors before hand. Paying the creditors only when you have to will ensure good cash flow.

    Do not hesitate to fill the business funding gap. This is common for all businesses. Everyone faces cash shortage and you might have to borrow to fill the cash gap. If you have any cash surplus, it is important you handle that efficiently as well. Invest it in the right place and earn some investment income, which can again, ease your cash flow problems.




    Managing Cash Flow in tough economic times learn how at http://www.cashflowadvantage.com.au.

    วันพุธที่ 3 พฤศจิกายน พ.ศ. 2553

    Florida Commercial Real Estate - The Potential Expenses of Owning a Commercial Property

    If you have grown weary of putting money into the lease of your existing business space, or if you have thought about buying a Florida commercial real estate property as a long-term investment, you need to know a number of essential factors that can help you get the most of your financial opportunities. To begin with, you have to do some research about the different overheads involved.

    Unlike residential realty, a Florida commercial real estate property entails additional fees and expenditure that are not instantaneously apparent. Therefore, you need to see to it that you're able to get the whole picture before making an actual purchase. More often than not, probable property expenses comprise, but are not restricted to, the following:

    Property Taxes

    When it comes to the costs of a Florida commercial real estate tax, financial backers usually make use of the actual tax numbers rather than its ballpark figure. The latter is only applicable for residential real estate properties and should therefore not be used to compute for commercial property taxes.

    Management Costs

    The expenses typically differ depending on your chosen arrangement. In case you decide to deal with things like building maintenance and landscaping contracts, you will most likely shell out a minimal flat fee for the management of tenant administration. On the other hand, if you choose to subcontract everything to the company -- for a building that houses several renters, the bill may be derived from a percentage of the RSF (rentable square feet) or USF (usable square feet) per tenant.

    Insurance Overheads

    In most cases, the insurance requisites of the financial backer are different from what the owner/buyer typically carries. As a rule, the owner/buyer is obliged to conform to the backer's insurance necessities regardless of the costs.

    Replacement Funds

    These are resources reserved for the operating cost of replacing things such as HVAC, pavement and other essential structures or systems that have an inevitably short lifespan. On numerous deals, replacement funds are instituted with the help of a qualified engineer that conducts the PCA (property condition assessment) on the Florida commercial real estate property. The sum of the funds required is normally ascertained based on the engineer's estimation of the major systems' remaining life.

    Know that these operating costs do not include current expenses like managerial fees and upkeep expenditure. You need to factor in such overheads, as well as the expected money flow, when mulling over the total cost of the Florida commercial real estate property. After you've determined the amount of your estimated outlay, it's now time to review your financing options.

    Seeing as these overheads may seem heavy on the pocket, you would probably want to be familiar with your funding options. Your financing alternatives typically include business partners, investors, your personal funds, bank loans, and financial assistance from other commercial real estate properties or investments.

    With a good credit record and a minimum of 10-20% down payment, you should be capable of securing some type of financing. Your company's present bank is a good place to start given that you already have a relationship with them. If you wish to find better options and more cutthroat rates, consider going to commercial brokerage companies that specialize in matching up commercial lenders with prospective buyers of Florida commercial real estate properties.




    http://commercial-realestate-florida.xon.us -- Florida Commercial Real Estate

    Vanessa A. Doctor from Jump2Top - SEO Company

    วันจันทร์ที่ 1 พฤศจิกายน พ.ศ. 2553

    Speed-the-Plow at the Barrymore Theater

    We left the Barrymore Theater last Friday evening with a renewed appreciation for David Mamet, but with growing doubts about straight theater on Broadway.

    Speed-the-Plow (written in 1988) is one of two Mamet plays currently on Broadway. The other is American Buffalo (written in 1976); each play deals with betrayal of a business partner and a deal that goes bad. Speed-the-Plow is a compact and extremely fast-paced play, three acts without an intermission. Even though our show started ten minutes late (at 8:10 p.m.), its three actors were taking their bows before 9:30 p.m. In fact, Speed-the-Plow is short enough that the producers should have considered making it the first part of a double bill with Mamet's one-act play Bobby Gould in Hell, based on one of the three characters in Speed-the-Plow. We would have liked to have seen it.

    David Mamet plays generally leave you with a sinking feeling in the pit of your stomach, so we knew the high spirits in the first act were too good to be true. The first character we meet, Bobby Gould (Jeremy Piven; his picture here is from a movie role he had several years ago), is a Hollywood producer whose job is to identify film projects that will make money, regardless of artistic merit or social value. He's doing well enough to have authority to green-light film projects with budgets under $10 million, but not well enough, apparently, to have a decent office.

    Into his office roars Bobby's old friend Charlie Fox (Raul Esperanza), a lower-ranking producer at the same studio, who has, in a manner of speaking, just won the lottery. One of Hollywood's biggest action stars has just read a script Charlie gave him (for a cliche of a prison buddy movie), loved it, and told Charlie he wants to do it with Charlie and his studio. Testosterone struts all over the stage as the two plan to present Charlie's coup to the boss and fantasize about how rich the producing team of Fox and Gould is going to be.

    Trouble enters when Bobby calls in his temporary secretary, Karen (Elisabeth Moss) to get them coffee and a lunch reservation. Bobby and Charlie brag to her about how they find projects like the prison film that will put butts in the seats, and how they give the thumbs-down to movie proposals based on artsy books like one that his boss, the head of the studio, has just agreed to give a "courtesy read."

    The book, "The Bridge," is in fact a pretentious, oqaque, philosophical novel about radiation and the end of the world. (We know it's unreadable because Charlie and Bobby read passages from time to time; one thinks of Thomas Pynchon.) Bobby and his boss both know that it has no potential as a movie. Looking for a pretext to get Karen into bed, Bobby passes off the job of reading this ghastly abomination to Karen and asks her to bring him a review at his apartment that evening. He fails to anticipate (as the audience does) that she will fall under the book's spell and use her sexual power to persuade him to recommend "The Bridge" to the studio head instead of the sure-hit prison buddy movie.

    I suppose Speed-the-Plow is hard to act. I suppose any David Mamet play is hard to act. Mamet doesn't expect actors in his plays to take turns speaking their lines; in Mamet-speak, characters are constantly interrupting each other, speaking in sentence fragments, and talking at the same time -- much like real-life conversation.

    Unfortunately these actors, especially Jeremy Piven and Elisabeth Moss, don't quite get it down. They can't seem to get past the notion that they shouldn't trample on one other's lines, even though that's just what Mamet intended them to do. The result is dialogue that's ever so slightly choppy.

    A big problem, we think, is television. The program indicates that Jeremy Piven's resume is mostly in television and the movies, even though his pedigree is in stage acting (here's a good piece on Piven in the N.Y. Times); currently, it seems, he's in an HBO show called Entourage (we'd never heard of it), while Elisabeth Moss is apparently in another cable TV show called Mad Men (we hadn't heard of it, either). Not surprisingly, Piven and Moss act like television actors, going for cheap laughs, yelling their lines instead of projecting them, content to be johnny-one-notes, playing to the camera instead of the theater audience. (See this post on why Emsworth doesn't watch television.) Sadly, the audience at our show seemed to like them that way.

    Not so with Raul Esparza, a fine actor who shows considerable acting range even within the confines of so manic a character as Charlie Fox. This was the second time we've seen Esparza, who played Lenny in a revival of Harold Pinter's nightmarish The Homecoming that we saw last winter; we liked him even better this time. We were grateful for this chance; we don't get to Broadway often enough to be able to see its best actors in multiple roles.

    Fortunately, the play's strong enough to compensate for the shortcomings of this cast. For as long as Emsworth can remember, people have pretended to despise Hollywood's commercialism and its unwillingness to make "meaningful" movies. None of this hypocrisy for Mamet! Who else would have the nerve to write a play in which a character is presented with a choice between a commercial hit and a "art" film -- and in which the moral choice is the commercial hit? Or in which the character who champions the "art film" turns out to be the real "whore"? There's more substance in Spiderman than in a dozen critically praised independent "art" films that we've long since forgotten.

    In Speed-the-Play, Bobby and Charlie spend a good of time calling themselves "whores" for commercial Hollywood, reflecting the ambivalence of American society toward capitalism. David Mamet, we think, is not so ambivalent; the published edition of the play begins with a quotation from Thackeray's novel Pendennis: "Which is the most reasonable, and does his duty best: he who stands aloof from the struggle of life, calmly contemplating it, or he who descends to the ground, and takes his part in the contest?" Bobby and Charlie weren't giving themselves enough credit.

    Twice during the play Jeremy Piven, as Bobby Gould, turned to the audience to advise us that "there are no mavericks" -- a topical reference to the Republican national ticket and Tuesday's election day. He got his laugh each time (it wasn't especially funny), but at the expense of the play's momentum.

    What does "Speed-the-Plow" refer to? There's an explanation from David Mamet himself in the Wikipedia entry for the play...

    UPDATE (January 15, 2009): By the unlikeliest of chances (we never, ever watch morning TV), our television came on this morning just as Diane Sawyer of Good Morning America was announcing her next guest, which happened to be Jeremy Piven. Sawyer had Piven on to cross-examine him about his deserting this production of Speed the Plow several weeks ago, with a couple months to go in the run. Piven's people had claimed he was suffering from mercury poisoning from a constant diet of fish and was unable to go on with the show; to our surprise, his departure got publicity not only in the New York tabloids but also in the national press.

    Sawyer pointed out to Piven (a) that several medical experts she had consulted found it unlikely that he would suffer any noticeable impairments from the levels of mercury reported, (b) that it was widely rumored that Piven's real problem was late-night partying, and (c) that none of the producers or investors in the show (whose fragile profitability was destroyed when a replacement had to be sought) believed Piven's story for a minute.

    But Piven stuck to his guns and said that his "illness" had frustrated a lifelong dream to perform Mamet on Broadway. Like a well-coached politician charged with scandal, he told Sawyer that he'd been frustrated that he hadn't been able to get his story across till now. He warned the audience earnestly about the dangers of eating fish. Uh-huh.

    William H. Macy, an actor we greatly admire, has now taken Piven's place in the cast. Wish we'd seen him instead of Piven!




    http://emsworth.wordpress.com

    วันพฤหัสบดีที่ 28 ตุลาคม พ.ศ. 2553

    Commercial Real Estate - The Next Implosion Coming

    Analysts are bracing themselves for a stream of highly negative news in the Commercial loans department very soon. Failing businesses who have pre-existing loans agreements and are not meeting their rent payments are causing development companies and other banks a lot of drama.

    The Federal Reserve and other officials have done their best to try and cool down the problems but as the economy tumbles so to to peoples job and incomes. This is only going to make the situation worse. Like a domino effect almost all industry sectors will be affected, both commercial and industrial.

    Some of the lenders are totaling up their losses but these have not been reported in the mainstream media just yet. As residential foreclosures mount up what no one realizes is that at the same time businesses have been suffering just as bad and there was a big surge in commercial property carrying organized mortgages that were sold as bonds on wall st many years ago. Before the market crashed at the end of 2008 there was allegedly $700 billion dollars in these mortgage securities and now some of them have lost as much as 40% of their value.

    Officials are still tallying up all the numbers and analysts say that when these figures come out in the media it won't be pretty. It could even be the next catalyst for a downturn / sell off on the equities market again.

    Those with bigger loans in the commercial industry realize that if the economy takes anther bigger hit at the end of this year (as feared), they are at a bigger risk of not only losing their business but their livelihoods as well. Time will tell.




    Learn How to how to profit from future trends, and what to do to avoid pitfalls. We provide insights, strategies and opportunities to help you navigate these treacherous, unprecedented times. Join Us At http://www.forecastfortomorrow.com/newsletter.

    วันพุธที่ 27 ตุลาคม พ.ศ. 2553

    Residential Property in Punjab

    India has many alternatives for healthy investing in a real estate property. Here the buyer can make a choice for both residential property and commercial property at an affordable cost. Cities like Delhi, Gurgaon, Noida, Ghaziabad and Faridabad are the well developed cities of India. Many big and popular residential projects are moving towards the other cities of India like Punjab. This is the one of the beautiful city which is full of greenery. The Punjab is consisting of many small towns. Let's take a look on some major cities of Punjab; there is rapid growth in real estate sector includes Amritsar, Jalandhar, Ludhiana and Patiala.

    Residential Property in Ludhiana

    Ludhiana is the industrial town of Punjab. It is popular for Hosiery Goods, Bicycle & Bicycle Components Industries, Sewing machine and parts & Machine Tools. This is the pollution free city with the green surroundings, which is hard to find in the metro cities. Many big companies like IT, BPOs and more are planning to hit this city. In commercial point of view it is highly developing city. Many shopping complexes and Malls are being rapidly constructed on different areas of Ludhiana.

    There is also high demand of residential property in Ludhiana. As we all known that the Ludhiana is the hub of educational institutes. Many students are coming from different states of India. So to meet the demand of accommodation for students needs, more residential properties require to be developed. The rental values in Ludhiana starts between Rs 4,200 and Rs 7,800 depending up on the location of the city. The newly-constructed apartment costs in between Rs 1,400 and Rs 2,000 per square feet. For real estate buyers and developers Ludhiana is the best investment option for them. It is the fastest growing city in Punjab.

    Residential Property in Amritsar

    Real estate market in Amritsar is on growing while many big builders are rapidly investing in this city. Amritsar is also known as Sikh Holy City in Punjab. It is a well structured city and also tourist attraction destination because famous Golden Temple. The property market in Amritsar is developing rapidly weather it is residential property or commercial property. From the past few year the rates of residential properties are almost doubled it's around Rs. 10,000 sq ft to Rs. 18,000 per sq ft. Number of builders are willing to establish the commercial buildings in the city. For more details log on to various free online classified websites.




    Author is giving address of free property classified from where you can search ads for Residential property in Punjab.

    วันอังคารที่ 26 ตุลาคม พ.ศ. 2553

    5 Ways the Current Market is Affecting Commercial Financing

    These are unprecedented times. No one has ever seen anything like this in the real estate world. It is now safe to say the residential bubble has not only burst, but has burst atomic style.

    The residential real estate market has been hit the hardest with homes in certain areas selling below 50% of their appraised value only a year ago. The swing in home values have sent banks, non-bank lenders, insurance companies, and investors running frantically desperately searching for any last ditch effort to avoid shutting their doors.

    commercial financing has historically been approved based off of the cash flow of the property or operating company located at the property, but many of the consequences of the residential market are seeping quickly into the commercial market.

    While it would be absurd to say that these are the only 5 things that are affecting commercial financing, they are 5 of the most significant consequences of the real estate market meltdown:

    1. Stricter underwriting guidelines imposed by banks and non-bank lenders

    2. No concrete financing programs

    3. Rising interest rates

    4. Business deposit relationships being required

    5. Longer approval process and loan closing time frames

    These 5 areas of change will affect the way borrowers, sellers, brokers, and lenders should look at obtaining commercial financing. To disregard any of these things would be poor judgment on the end of any of these parties and inevitably cause further problems.

    No one knows how long this crisis will last, and it is expected to be awhile before lenders are comfortable with stable real estate values and financially stable borrowers, so it would be wise to take these 5 changes into consideration when seeking commercial financing.




    Posted by Chad Pitt, Sr. VP of Commercial Alternative

    (714) 594-3426

    cpitt@commalt.com

    http://www.commalt.com

    วันเสาร์ที่ 23 ตุลาคม พ.ศ. 2553

    Commercial Real Estate, The Financial Crisis, and The Media

    "Always do right - this will gratify some and astonish the rest." -- Mark Twain

    I like the media. I watch enough news to keep up to date with what is happening and spend most of my time reading trade journals. But did you know something...

    In many areas of the country commercial real estate sales have hit records in recent years? Don't get me wrong - it is not ALL completely rosy, but it is not completely horrid either. When the media does seem to present good news, they seem to put some spin on it like the following:

    "Commercial Real Estate Sales Explode But Trouble Looms!"

    OR

    "Commercial Real Estate Sales Take Off in 2010 But Will Take A Nose Dive In 2011!"

    Etc.

    Do yourself a favor and always have your media filter on.

    I was brought thinking that the media was about explaining the facts to us NOT about explaining someone's agenda or what will sell more periodicals...

    Am I saying put your head in the sand? No. I am saying always use your media filter OK? Make sure you keep in mind of the FACTS and not the agenda of the publications you are reading.

    Anyway, my two rules going forward for the rest of this year is:

    1. Use Your Media Filter. What is REALLY Going On Here?
    2. Have Your Antenna Up ALL the Time for Opportunity. It will be there for you...

    By the way, this ALL spells good news for commercial real estate investors. The panic will have many people thinking they need to get out and many will -- prematurely. That spells opportunity.




    Do you want to learn more about investing in commercial properties? Click the link below for my FREE 7-Part Investment e-Course. I'll also send you my FREE special report and teleseminar access "How to Buy Apartments and Commercial Real Estate With No Or Low Money Down."

    Download it free here: Commercial Real Estate.

    วันศุกร์ที่ 22 ตุลาคม พ.ศ. 2553

    How to Design Great Marketing Adverts When Selling Commercial Property

    Marketing commercial real estate for sale of lease is not just an exercise in spending money in the media. If you want to be successful in the industry you should devote time in designing each and every marketing campaign to match the target market that the property needs to reach.

    Some key goals must be reached in each marketing campaign:

    1. Advertising is to be timely to the market
    2. Advertising is to use the most effective 'channels'
    3. Advertising is to be cost effective
    4. Advertising is to be to a budget (usually 1% of the sale price)
    5. Advertising should be vendor paid (in advance)
    6. Advertising should be monitored so that you know what works and what doesn't
    7. Advertising should focus on the initial 4 to 6 weeks of the campaign, after which the property becomes 'stale' if unsold or unlet
    8. Advertising results should be reported in writing to the vendor at least weekly
    9. Advertising should be adjusted as the campaign proceeds and results are tracked

    What types of buyers will be the most interested in your property? It is a prime question and needs review so that your campaign to sell the property is as effective as possible. In the first instance you need to know if the property is attractive to all or any of these:

    o Investors
    o Developers
    o Businesses in the area
    o Occupants of the building
    o Neighbouring property owners

    At least one of these will be your target market to get the best price for the property.

    Highest and Best Use

    As part of the advertising considerations you also need to know if the property has a highest and best use that stands out above everything else that the property could be used for. Whatever that best 'use' is, will likely be the core element of your target market and the advertising campaign. From that you should select the most relevant 'channels' of advertising that will reach your market.

    The most common channels of advertising available to you include:

    o Internet websites (this of high value to most campaigns)
    o Newspapers
    o Radio
    o TV
    o Brochures
    o Direct mail
    o Telemarketing (this of high value to most campaigns)
    o Signboard (this of high value to most campaigns)
    o Email marketing (this of high value to most campaigns)

    The use of the property is always analysed prior to the advertising campaign being designed and implemented. To handle this matter, ask yourself this question;
    'What 'needs' can the property best satisfy in its current or future condition?'

    AIDA

    So property advertising is designed to match the target market. In some agencies it is common for the advertising to be written by a specialist advertising consultant that is contracted to the business for that purpose. This practice all depends on the authorised budget that you are to work to.
    Many adverts when designed by expert consultants are constructed to a principle of advertising called 'AIDA'. It stands for:
    o Attention
    o Interest
    o Desire
    o Action

    The advert you are designing is simply built around the four main points above and in that order. Consider this in more detail:
    o The top lines or headers of the advert are to create or attract the 'attention' of the reader
    o The following area below the 'header' is to encourage interest through providing more and yet simple information
    o The following area is to create desire from the reader so that they are really interested
    o The base of the advert is to encourage people to take action and call you now

    Property adverts today are less 'wordy' and utilise carefully selected 'dot points' that are simply read and attract interest. Lengthy sentences should be avoided where possible as people generally do not read them. The 'white space' principle of advertising is used extensively today so that more white space appearing on the advert both simplifies the layout and also allows the key focus points to be seen.

    Channels & Search Engine Optimisation

    So what is the most common 'channel' of property advertising? Internet based property promotions from websites and direct email marketing is by far the most effective methods of promoting properties today. That will get even stronger as time passes. The internet is also the most cost effective for reaching most markets.
    To use this channel of advertising most effectively, you will need a well constructed and maintained website that is 'search engine optimised' on an ongoing basis. This is a specialised field of business communication that many agents are yet to fully appreciate and undertake. You can seek specialists in the field to advise you and help you should you wish to 'optimise' your website and attract higher levels of enquiry or market presence.

    Advertising Processes

    The decision you make in the selection of marketing alternatives should be the result of the following process of review with the seller of the property:
    1. Define seller objectives
    2. Define target market
    3. Examine outside influences
    4. Business environment
    5. Interest rates
    6. Supply and demand
    7. Construction costs
    8. Financial constraints
    9. Change opportunities
    10. Buyer sentiment
    11. Seller budgetary constraints
    12. Timing influences
    13. Select best marketing tools for your target market
    14. Establish a 'point of difference' or 'competitive edge' strategy that applies to your property
    15. Design the Marketing Plan
    16. Discuss Marketing Plan with Seller and seek written approval
    17. Implement the Marketing Plan
    18. Evaluate the plan progress weekly
    19. Adjust plan strategy if and when necessary
    20. Review and evaluate all results at campaign end

    REMEMBER - A good marketing process always involves asking your buyers or prospects the source from which they found out about the sale or lease of the subject property. This allows you to appreciate real value from the campaign while also allowing you to make adjustment when necessary.




    John Highman is a prominent commercial real estate speaker and trainer. His other articles for commercial real estate agents and brokers can be accessed at http://www.commercial-realestate-training.com

    วันพุธที่ 20 ตุลาคม พ.ศ. 2553

    Sandwich Shop Insurance

    If you have an outlet or shop of any kind, then thinking about insurance may be a smart move. It may be particularly important for shops dealing in food preparation and sales where sandwich shop insurance may help protect you from financial disaster.

    These disasters can be thought of as falling broadly into two categories;

    · problems that hit you but typically without a legal implication - examples may include things such as fires, floods, personal accidents, the loss of stock and so on;

    · problems that involve someone suing you for compensation - examples here may include members of the public injured on your premises, employees or helpers injured while working on your behalf or customers suing you for damages arising from the consumption of your products.

    In the first category, you are either hit by such misfortune or you are not. In the second, even if you win the case you may still find yourself burdened with very large legal fees and out-of-pocket expenses.

    These two categories are similar in one important respect - if you encounter such troubles and do not have the protection of sandwich shop insurance behind you then you could potentially find yourself paying out some extraordinary large sums of money.

    That's where business insurance can make all the difference. It is typically possible to take out a policy that provides you with cover against the above generic types of risk plus others. These forms of cover are often described as:


    • equipment and stock insurance;

    • personal accident insurance;

    • product liability insurance;

    • public liability insurance;

    • employers' liability insurance.

    These forms of cover, plus others, may provide you with the protection necessary for peace of mind, often encompassed within one business insurance policy. If you own the building where your sandwich shop is, insurance for this can often be bought separately as commercial buildings insurance.

    As with many forms of insurance, business insurance can be a little complicated and understanding what level of cover you require whilst at the same time avoiding paying for insurance that you don't need, isn't always easy. Even so, by researching the subject further and ensuring that you understand the nature of your business and its needs, you should typically be able to find a package of cover will be available to meet your requirements and at a price that's affordable.

    Sandwich shop insurance may be something that could make the difference between your business continuing after a problem or being forced to close for financial reasons. Spending a little time researching insurance for a sandwich shop a bit further might be a sensible investment of a few minutes.




    Trevor J Roberts is the editor of Quote4shops, a new site aimed at providing access to some of the UK's best commercial shop insurance. If you are looking for sandwich shop insurance then apply online or complete an enquiry form.

    วันอังคารที่ 19 ตุลาคม พ.ศ. 2553

    Cleaning Business Pricing Guide - Estimating and Quoting For Success

    When it comes to pricing a residential or commercial cleaning job it is important to hit the mark accurately with a fair price. In this article we will look at a method for accurately estimating prices for cleaning jobs and offer some tips for quoting prices to customers.

    Quoting a price too low means leaving money on the table and wasting an opportunity to profit. By offering to clean at a price level that is barely profitable you will be damaging the cleaning industry overall in your area and you will find it difficult to raise prices to a profitable level in the future. Trying to win customers by pricing low is clearly a bad strategy for getting started in the cleaning business.

    Quoting too high means that you will often be declined by customers and may miss out on jobs unless your customers perceive that they will be getting above average quality services from you. Having an established brand that your prospects are familiar with is one way to be able to price higher than the market average. The other way is by offering truly unique services or having a highly effective sales strategy.

    The best way to estimate a price is to firstly come up with an approximation of how long it will take to complete the job. Make a thorough inspection of the building in question, break the job down into the various tasks and then calculate the total time that it will take you or one of your workers to complete.

    The next step is to take your time estimation and multiply it by a fair hourly rate to calculate the total labor cost for the job. Don't forget to include traveling time.

    A small allowance can then be added on for job related expenses such as cleaning products, transport costs and equipment expenses.

    You should then add on another small allowance that can be put towards your monthly fixed costs such as rent, insurance and marketing costs. You can come up with a suitable figure by taking your total monthly overheads and dividing this by the average number of cleaning jobs that you do and month.

    You will then have arrived at a figure that represents your total costs for the job. Finally, you can add on a suitable amount of profit and then you will have the total quote amount that you can put forward to the client.

    When you are starting out you can compare your quotes to what your competitors would charge for a similar job to make sure that you are reasonably close to fair value for your services.

    Don't forget that the first time you do a cleaning job you will probably spend a lot longer then you will on subsequent visits. After you have cleaned the property once you will then have it in reasonable condition and you will be familiar with it. Many cleaning business operators charge an additional fee for the first visit and you can consider doing so on a case-by-case basis, depending on the state of the property in question.

    If you are pricing by the hour you should never let your customer know this. If you have quoted them for a three-hour job and they catch you leaving after two hours, then they may feel cheated. Quote a price for completing the job rather than an hourly rate if you can get away with it.

    Price estimation in the cleaning business, or any service business for that matter takes time and skill to get right. Successful cleaning business operators start off with a good pricing system and then try to constantly perfect this system over time.




    For more information on how to start a cleaning business visit -

    http://www.cleaningforprofit.com

    วันจันทร์ที่ 18 ตุลาคม พ.ศ. 2553

    How is Commercial Fitness Equipment better than General Fitness Equipment?

    Commercial gym equipment is used in "commercial gyms" and training centers. Commercial gym equipment is 'heavy duty' and can take a lot more weight and usage compared to general gym equipment used in private homes.

    Commercial gym equipment is quite a bit more expensive as well due to the 'heavy duty' aspect of the materials used. In some parts of the world, it's actually illegal to use general home-style gym equipment in commercial businesses set up such as gyms, and personal training studios.

    Some examples of commercial gym equipment found in gyms and personal training centers are equipment like Smith Squat machines, leg presses, bench press machines, chin-up machines, leg-extension machines.... just to mention a couple!!

    Some commercial gym equipment may have many more features than the general home gym equipment; it's longer lasting, and can take a lot more weight loaded onto it. It's definitely more expensive...but at the end of the day you only get what you pay for.

    If you're thinking of getting commercial gym equipment for your home gym, make sure you think you are going to get the use from it. On the whole, commercial gym equipment is still the best value for money and you will less likely have problems with it.

    Used fitness equipment is a great option if you can find it! If you're either setting up a home gym or even a commercial gym, whether the equipment is new or used is of small relevance if the used fitness equipment is in a good, safe working order.

    Used Fitness Equipment is also much cheaper than brand new. You can paint it and bring it up to scratch looking almost brand new! If you are using the used fitness equipment for commercial use, its a must that you have it serviced by a professional and make sure it is in perfect working order before you let anyone use it!

    All in all, used fitness equipment is definitely the way to go if you want to save money, and still have the best equipment on the market!




    We successfully ran a personal training studio for years, helping thousands of people like you get the goals they wanted in a safe, results driven environment. To get more of your questions answered check out... http://www.freeinformationonline.com/Index2/index2.htm

    Let's Play Monopoly

    Last year's acquisition by the Blackstone Group of Equity Office Property Trust for USD 36 billion was the largest buy-out ever of an owner of office buildings. More importantly, it signaled that the commercial property market is healthy, now more than ever, and that is not afflicted by the same ailments so characteristic of the residential markets, much less by bubbles of any color, shape or form.

    Albeit the biggest deal ever, Blackstone's move was one of the many transactions leading to the privatization of the commercial property markets, a trend that since then has seen some USD 100 billion change hands and disappear from public ownership both in the United States and Canada. Today's property barons can borrow against the value of the assets and use the cash-flow from rental income to meet the interest payments. With property values rising fast, they can afford to strike any deal they want.

    This Monopoly-like craze is not confined to America. Just as bonds, stocks and shares are freely traded across borders, so is ownership of commercial property assets. Monopoly goes global!

    The Bank of Canada reports, for example, that cross-border commercial and office property investment worldwide hit USD 290 billion in the first half of 2006 - a 30 percent increase over the same period in 2005. In the process, once obscure markets have been swept into the mainstream. Take the Euro Zone, for instance. Practically all new entrants into the European Union have benefited from the convergence of Western investors looking to snatch up buildings at rock-bottom prices. Bulgaria is the latest example of this trend.

    Commercial real estate is all part of the same 'search for yield' trend that has seen investors hunting around the globe for other high-income assets. It is all part of globalization and governments - especially Western governments - see it in a positive light. Because of this the gap between yields on the highest-quality properties and the second-tier sites, especially those located in what used to be second-tier nations, has narrowed everywhere.

    Commercial property is a hybrid asset. It offers high yield, giving it bond-like characteristics. And moreover like shares and unlike bonds, investors can expect that yield to grow, at least in line with inflation. Enthusiasm for the sector waned in the 1980's and 1990's because of fat Stock Market returns. In this day and age, however, pension funds are desperate to diversify from shares and bonds, and commercial property is benefiting from capital being diverted by investors from the Stock Exchange.

    Not everything is rosy, though. The catch is the lack of liquidity. It takes time and know-how to buy and sell a building, especially in farfetched places, and recruiting and managing tenants as well as maintaining and up-keeping those buildings involves an organization all by itself. So as the market develops, investing becomes more and more sophisticated.

    The key to the growth of the commercial property markets and their widespread globalization has been the ever-increasing development of REIT's or Real Estate Investment Trusts. These are companies quoted in the Stock Market that bundle together portfolios of buildings, allowing investors to buy and sell whenever and wherever they wish.

    Luigi Frascati




    Luigi Frascati is a Real Estate Agent based in Vancouver, British Columbia. He holds a Bachelor Degree in Economics and maintains a weblog entitled the Real Estate Chronicle where you can find the full collection of his articles on Real Estate Economics and Finance. Luigi is associated with the Sutton Group, the largest real estate organization in Canada, and is based with Sutton-Centre Realty in Burnaby, BC.

    Luigi is very proud to be an EzineArticles Platinum Expert Author. Your rating at the footer of this Article is very much appreciated. Thank you.

    วันอาทิตย์ที่ 17 ตุลาคม พ.ศ. 2553

    Rocky Horror Fancy Dress Costumes - 4 Great Outfit Ideas From the Hit Show

    Rocky Horror fancy dress costumes seem to be an ever present fixture at Halloween and other costume parties throughout the year. Richard O'Brien's hit musical followed by the film adaptation, directed by Jim Sharman, have achieved a huge cult following over the years, so it really should be no surprise at all why the Rocky Horror fancy dress costumes have become so popular.

    The Rocky Horror Picture Show is the story of a newly engaged couple who find themselves with a flat tyre on a cold and rainy night. They go to a nearby castle, in the hope that they can use the phone to call for help, and discover a group of strange and outrageous people who are holding an Annual Transylvanian Convention.

    Of course, the original outrageous outfits played an important part in both the stage production and the film and so it is easy to see why they would be so successful in making the transition to fancy dress. Those hardcore Rocky Horror fans that regularly go to the shows, often go dressed up as one of the main characters. However, with so many intriguing characters to choose from, it can certainly be difficult to decide just who to go as.

    Below are four great Rocky Horror fancy dress costumes from the hit show to help you make up your mind.

    Frank N Furter Costume

    Frank N Furter costumes are usually based around a glittery, sleeveless bodice with a lace-up section at the front, made from a sparkly black lurex material. The Frank N Furter outfits also come with a pair of elasticated panties, with inbuilt suspenders and a pair of fishnet stockings.

    Magenta Costume

    Magenta outfits are usually based around a black velvet-feel dress with an attached pinafore and collar. The dress is hem finished and includes an elasticated waistband for a comfortable fitting. The Magenta outfits also come with a white headpiece, which is attached to the head with an elastic strap.

    Columbia Outfit

    Columbia costumes are usually based around a gold sequin tailcoat, a multi-coloured sequin boob-tube and a pair of multi-coloured striped shorts. The Columbia outfits also come with a matching soft fabric gold sequin top hat and a red sequin bow tie.

    Riff Raff Costume

    Riff Raff costumes are usually based around a one-piece tailcoat, with an attached white waistcoat, that has padded shoulders and a sponge hump. The Riff Raff outfits also come complete with white spats and a pair of leather-look fingerless gloves.




    So where should you go for these Rocky Horror outfits?

    The Rocky Horror Fancy Dress Costumes section of Fancy Dress UK reviews a range of Rocky Horror costumes, including those mentioned in this article.

    A Word Or Two About The Author

    Dan Fresh is a lifelong fancy dress aficionado who regularly writes for the popular Fancy Dress UK website.

    Custom Made Jingles, Commercials and Music for Television and Radio

    Looking for the right sound and company to produce that sound can be somewhat tricky, especially if this is your first run with TV or radio. While there are a number of things to look out for in terms of getting the best price with a great sounding commercial, don't let the cheap price or the "We can just put in some "free" industrial music in the background," take the lead.

    The fact is, that great sounding commercials and effective commercials that really do in fact raise the bar with increased sales, are no stranger to great production work with seasoned and experienced writers. Our number one goal is to make great sounding commercials and jingles even if it costs us more in the end than originally anticipated. You don't build business on half baked productions and you won't build your business with cheaply made or in-house radio and cable made commercials. Saving a dollar almost always costs you the same dollars if not more without the increased traffic to your store front.

    The number one rule when looking at broadcast media is credibility. Without the credibility you might as well throw in the towel. People like to shop and buy from companies with good reputations and they buy from who they've gotten to know first. Over 90% of consumers buy from who comes to their mind first. The next rule to follow is, consumers buy from who they've heard of first, but also with who they trust - In other words, who has driven home the credibility attribute.

    Does your commercial drive home credibility? You can create credibility with credible sounding commercials. Image is everything they say and hopefully the way you do business will accommodate that image. Great sounding music with professional voice overs make the difference so much of the time that I wonder why companies will advertise on radio and TV when they throw together a cheaply made and viewed to be as cheap commercial.

    Great sounding jingles and productions don't have to cost an arm and a leg. If you remember nothing else from reading this article, remember that if you want increased sales with an image that looks like number one and with a rememberable jingle that will truly put your company first in the minds of your listeners, then get your commercial done right. Get great music with great voice over and music beds and you'll be well on your way.




    Mr Gauger is an accomplished TV and radio writer with too many credits to list here. You may contact the author at tgauger@reelmusicianpro.com or 615-300-5030. You may visit the author's website at http://www.reelmusicianpro.com This author works with small business to national brand names.

    วันพฤหัสบดีที่ 14 ตุลาคม พ.ศ. 2553

    Commercial Real Estate Market Showing Signs of Bottoming Out

    According to many experts, the commercial real estate market appears to have finally bottomed out. This is certainly good news for those in the commercial sector, as previous predictions did not expect the market to bottom out for several more months.

    One of the main reasons experts believe the commercial market has bottomed is because the Commercial Property Price Index (CPPI), which is produced by Moody's and REAL Indexes and utilizes the data that is collected by Real Capital Analytics on transactions that are $5 million or more, went up by 1% in November and by 4.1% in December of last year. This past January, the index saw another 1% increase.

    The Commercial Property Price Index isn't the only measurement that saw this type of activity. In fact, the Transaction Based Index (TBI), which is maintained by MIT and is based on property sales within the National Council of Real Estate Investment Fiduciaries Property Index saw a 4% increase in the third quarter of 2009. During the fourth quarter, however, it fell by 4.9%, which gave the impression that the bottoming process had begun.

    According to Reis Inc, which is a New York research firm, commercial rents appear to support the bottoming theory. The firm says the average net rents within the office sector fell by 0.8% throughout the country during the first quarter of 2010. When comparing year-over-year data, they were down by 7.4%. Reis also found that 23 of the 79 markets being tracked were either stable or showed rising rents. This is far better than the fourth quarter of 2009, at which time 70 out of the 79 markets were experiencing falling rents.

    In terms of the residential sector, Reis found that rents increased in 60 out of the 79 markets it tracks during the first quarter of 2010. Furthermore, the vacancy rate remained steady at 8% when compared to the fourth quarter of 2009. On the downside, this figure is the highest Reis has seen since the company started collecting the data in 1980.

    With rents moving upward, it is a good sign that the commercial market has already hit bottom and is ready to start moving up as well. It is also a positive sign that the economy is back on track and that it is not doomed to fall backward once the homeowner's tax credit dries up. Although there are no guarantees on what the economy will do from here on out or how the housing and commercial real estate markets will fare, things are certainly looking much brighter in most markets throughout the country.




    Jim Olenbush is the owner of an Austin real estate brokerage. He manages a team of experienced Austin Texas Realtors and they specialize in luxury real estate.

    Katherine Heigl Scrubs Are the Star Hit

    Actress Katherine Heigl, who played the role of intern Dr. Isobel "Izzie" Stevens on the ABC medical drama Grey's Anatomy, has made Katherine Heigl scrubs a star hit! Born on November 24, 1978 to a privileged family, she was raised in Connecticut. At the age of nine she began fashion modeling for Lord and Taylor and Sears catalogs, and she soon received offers to model on television commercials. Her first acting job was in 1992's That Night, followed by King of the Hill. Her first leading role was in the comedy My Father the Hero in 1994. During this period she attended public high school, but dropped out in 10th grade to pursue her acting and modeling careers. She played in Under Siege 2: Dark Territory in 1995 and in Wish Upon a Star, a Disney film made for television in 1996. That same year her parents divorced, and her mother was diagnosed with cancer.

    She graduated high school in 1997 and moved to Malibu, California. In 1998 she played in an updated version of Shakespeare's The Tempest set in the American Civil War, in which she co-starred with Peter Fonda. That same year she starred in Bride of Chucky, a horror film. In 1999 she turned from movies to television by taking the role of Isabel Evans in Roswell, the science fiction television drama, which lasted three seasons. Her popularity at this time led to articles about her in TV Guide, Teen, and Life. She also appeared in the Girls of Maxim Gallery and was named the 12th sexiest woman in the world. She appeared in the FHM calendars and was voted 19th on FHM's "One hundred Sexiest Women in the World" poll.

    In 2005, after a series of movie and television roles, she was cast as Dr. Isobel Stevens on Grey's Anatomy, a role which would become her trademark and be her biggest success, and the starting point of Katherine Heigel scrubs. The end of 2006 she was nominated for a Golden Globe "Best Supporting Actress" award; and on September 16, 2007 she won an Emmy for her Izzie Stevens role as Outstanding Supporting Actress in a Drama Series. In 2008 she starred in the movie 27 Dresses, showing free or cheap scrubs for nurses; and later that year AskMen.com named her the Most Desirable Woman of 2008. She has also had considerable publicity for her outspoken political views. In a highly publicized interview in Vanity Fair, she criticized her directors in the film Knocked Up (and the film itself) as being sexist. Her comments created a widespread reaction in the press, which primarily attacked her as being a hypocrite and an ungrateful traitor, and suggested she never work again.




    Her personal life and relationships and Katherine Heigl scrubs were also exposed and criticized in the media. In a rebuttal given to People magazine she defended her opinion and Katherine Heigel scrubs, and expressed surprise that it should become such a major issue. Subsequent publicity has vindicated her, free or cheap scrubs for nurses. Her career - particularly since her latest film The Ugly Truth - has taken an upward trajectory.

    วันพุธที่ 13 ตุลาคม พ.ศ. 2553

    Commercial Coffee Brewer

    Are you a coffee lover? Consider getting a commercial coffee brewer to provide you with coffee shop quality coffee.

    It's an understatement to say that most people own a java maker. But coffee-making machines suffer from a lot of limitations. If you just have a regular machine, your java can often come out pretty inconsistent. One day it's great, the next day it's bad. It's also a hassle to change the filters and add in coffee.

    So what's the solution, other than having to pay a lot money hitting coffee houses. The solution is a commercial coffee brewer. These coffee makers deliver professional coffee at the hit of a button.

    Now there are many models and types of java brewers. The first thing you should know is that these coffee makers are hundreds of dollars. But they deliver premium java. There are many features offered by these machines that regular java makers don't, but the main advantages can be summed up by this: convenience and better taste.

    Commercial coffee brewers can brew coffee faster and hotter than regular machines. Most models have a boiler tank that maintain the temperature of the coffee at the ideal temperature. This ensures that java is so much better tasting.

    Now, without a doubt you are going to pay more money for a commercial coffee machine. That means if you want one, you should spend the necessary time trying to get the best price online - you can literally save hundreds of dollars like this.




    Look online to get the a deal on a commerical coffee brewer. If you like the convenience of a coffee maker, consider looking at the Breville panini press to make the best sandwiches ever.

    Electricity Price Increases Hit Businesses in Australia

    The cost of electricity is a major issue across Australia. As prices in electricity increase, Australian businesses struggle to pay their bills which for some enterprises are thousands of dollars a year more.

    Electricity being an expense that neither businesses nor consumers can get around, Australia citizens are alarmed by the current electricity market and are seeking ways to minimize their expenditures so their capacity to be profitable, as opposed to bogged down by monthly debt for electricity bills, can prevail.

    New South Wales, Queensland, Victoria, South Australia, Tasmania and the Australian Capital Territory, follow National Electricity Market (NEM) regulations when buying electricity. A wholesale distributor, the NEM was created to offer Australians options when purchasing electricity, so both Australian consumers and commercial buyers of power would not be committed to a relationship with a single vendor.

    With prices forecasted to rise so dramatically across the country, however, some wonder if whom they do business with, will make any difference in a market where the prices are high overall.

    The fact remains that being educated as to what one's alternatives are, in this changing market, can be useful. Business owners in Australia who are not researching the most recent policies and solutions being provided to them, will not fare as well as those who do. Competition will not guarantee affordability in the Australian energy market, unfortunately. The reforms that businesses would benefit from not yet in place, the most obvious effect of higher operating costs for them, are higher prices for the goods and services they sell to consumers.

    As a result of the national outcry regarding doubling and tripling energy expenditures, the present Australian Prime Minister, Julia Gillard, who recently replaced Kevin Rudd, is at the center of a heated debate. Australians expect innovative solutions, not the usual promises of future technological advances that will be rolled out gradually in future decades. The Prime Minister's response to the subject of these exorbitant costs, is that it's the result of poor past policy.

    There is no one definitive reason for the cause of this problem, though some seem to believe the price of coal is where to look for an explanation of skyrocketing costs. Since coal production is the basis for the production of energy, objections to coal playing such an important role in the energy infrastructure of the country, will grow louder from businesses in Australia, at the same time that a call for more affordable renewable energy sources, solar and wind, just to name two, will continue.

    Traditional sources of power are deep rooted in the cultural and commercial landscape of Australia and those hoping to see relief from higher costs, don't want to rely on major transformations in the broader energy sector which may not happen fast enough to save their businesses from going under. There's a domino effect apparently that the government's creation of a privatized energy market, was supposed to have prevented that is not working. The debate is shrill. The information available on immediate fixes to curb costs is not known by as many business owners as one would hope.




    Another electricity price increase hit businesses in Australia this year, to get the best value business electricity, go to energy watch for a better deal.

    Using Truck Tarps

    In many states, a tarp or some type of covering is needed if you're transporting materials by truck. This includes for both commercial and individual uses. In both instances, materials both large and small can fly out of the back of the truck and hit motorists behind, as well as cause litter on the sides of roads. Whether you're transporting trash or gravel in the back of a truck, a tarp is often needed to cover the load. One can simply be secured around a load in a pickup truck, but for larger trucks, such as dump and flatbed ones, securing the tarp around the load to prevent wind whip takes skill.

    Dump trucks typically are required to have a tarp, especially if the load is fewer than twelve inches from the edge of the truck. As tarps in this location can experience wind whip, which leads to tearing later on, they need to be applied correctly, which means that the material should be tight. Loose material covering the truck bed can balloon from the air and, with the air passing through, can lead to wind whip. In many cases, dump trucks have an automatic mechanism for adding a tarp, in which the tarp simply needs to be attached and the truck's function applies it. That's not always the case, however, and workers may be needed to attach the tarp to the truck bed.

    Flatbed trucks don't always need a tarp, but, for protecting such materials transported on one, covering material is recommended. Flatbed truck tarps are designed often with dimensions for the load and include flaps on both sides of the tarp. After the tarp has been secured around the load and the two flaps are remaining on either side, secure those with bungee cords at the end. Only after the tarp has been secured around the load should the load be secured to the bed of the truck.




    All types of tarps are common for trucks. If a load shouldn't be exposed to water or moisture, a polyethylene or vinyl tarp is often used. If the load can be exposed to water, such as a truck bed full of gravel, a canvas or polypropylene mesh tarp is enough protection for the load.

    วันอังคารที่ 12 ตุลาคม พ.ศ. 2553

    Tips On How To Run A Restaurant Kitchen

    Ever wondered what makes a restaurant a rollicking hit with customers? Is it about the gastronomical delights on that spicy menu created with passion and served with tremendous verve? Or does the secret lie in the ambience of the place? What about that tantalizing signature dish? Actually, the ingredients that ensure the roaring success of this sumptuous enterprise lie elsewhere - in the kitchen. Needless to add, it's the heart and soul of the restaurant.

    Espirit De Corps At Its Best

    It doesn't take too long for a long cherished dream of dishing out delectable delights to turn into a nightmare of sorts. If you're in a soup, and wondering how to run a restaurant kitchen, remember that the success of this venture depends solely on the staff- on their expertise, discipline, motivation, and above all, leadership. It might sound like we're operating a military camp here, but the kitchen too must have an atmosphere that galvanizes each member of the team to give his best while creating an incredible menu.

    Advice From The Experts

    Here's the perfect recipe for a successful restaurant kitchen:


    • Dishwasher: It's hard to relish a simply heavenly gourmet meal in an invidiously stained platter or worse, with dirty forks and spoons. The purely physical job of washing dishes is really thankless, but it's also the most important one in the kitchen. Motivation is the key while dealing with the staff involved in this clearly unattractive task. Most chefs have, in fact, made it big from the washing area. Speedy promotions can make all the difference in the employer's attitude.


    • Preparation cooks: The foundation of the kitchen is based on the manner in which the food is prepared. So the people that are involved in this spade work require more than a standing ovation. From chopping cabbage to making soups and kneading dough, they are always in the thick of things. Make sure they have thorough knowledge of everything, from the store to the operation of the grill and fryer.


    • Line cooks: They get into the act at different cooking stations that use a plethora of cooking techniques. Line cooks are jacks of all trades, and must master all of them quickly. Training them on all sections is essential. Also, all line cooks must work in tandem in a pre-ordained manner.


    • Sous chef: He calls the shots when the head chef is not around. Despite being a chef under the wings of the boss, he can still train the rookies. Apart from getting his creative juices flowing, he must plunge headlong into functional aspects like ordering and costing of food, management of stocks etc.


    • Head chef: He should inspire a great deal of confidence in the other members of the team. With his boundless energy, even a lackluster menu can come alive.


    • Kitchen manager: Responsible for the efficient functioning of the kitchen, he's more concerned with managing the staff rather than the menu. Make sure he remains focused on promoting productivity and efficiency.

    With such remarkable ingredients in place in the kitchen, it's only a matter of time before your restaurant scales dizzying heights.




    Ever wondered why use Online Kitchen Design Software? Does Mexican Kitchen Decoration appeal to you? More interesting articles at http://www.SpicyKitchens.com

    Yo Gabba Gabba Toys and Gifts Will Be a Hit This Year!

    Have you ever seen a monster dance or play music? How about this - have you ever seen a robot take a bath? If you've seen Yo Gabba Gabba toys, you've probably seen this and more! If you haven't you'll love what you find when you explore the world of this fun group for toddlers and small kids!

    These toys are going to be big this year, and do you want to know why? It's because they are different and fun, with a decidedly "monstrous" flair. The characters are friendly monsters, robots and odd creatures that don't scare, they smile! Famous for the Yo Gabba Gabba children's TV show on Nick, Jr. these crazy characters are favorites of kids everywhere, and they're on every child's wish list.

    Check out the Yo Gabba Gabba Dancing Brobee. He's a friendly monster who dances and sings just like on the TV show. Press his foot and he begins to groove to funky and fun music. At a little over one foot tall, he's perfect for cuddling with he's not grooving!

    If you have a child on your gift giving list that is absolutely in love with the crew, give him or her a set of Yo Gabba Gabba Plush Pals - you'll find the whole gang together - Plex, Toodee, Muno, Brobee, and Foofa! They're cute and cuddly and the perfect size for taking with on a car ride, to Grandma's or for a stroller ride.

    Bath time just became much more fun with the Yo Gabba Gabba Bath Buddies. These nifty toys stick to the bathtub. Kids can make up character scenes, while they're getting clean! There are so many Yo Gabba Gabba toys - for the bath, for reading, for watching or for imaginative play!

    Let's all get into the groove with a Musical Boombox. It comes with preloaded Yo Gabba Gabba songs and is very easy for a child to use. It's a durable and fun piece of musical equipment for your young music lover and fan.

    Another cool musical Yo Gabba Gabba gift is the Boogie Down Dance Mat. With this mat, your child uses his feet to play musical keys. He can choose different characters to play different instruments, or just make up his dance moves up and fun music. This is a great way for your little one to get some exercise and learn about creating his own movin', groovin' music!

    And for some great indoor camping and hideout fun, give a Yo Gabba Gabba Brobee tent. This is a super cool gift for kids to play pretend with. At 34" x 36", it's just the right size for playing hide and seek, or for creating a fun fort. With easy set-up and clean up, flap front door and an included music DVD, your kids will have hours of fun with this tent.

    The kid's show is so popular now, and for good reason - it's an entertaining learning program with a bit of an edge. Today's kids love the music, the guests, the dance lessons, the puzzles to be solved - all of it! That's why kids everywhere want Yo Gabba Gabba gifts. The show is a big hit, and the toys are also making a splash this year!




    If you want more ideas for top toddler toys your child may love, visit http://www.squidoo.com/toptoddlertoys today!