Commercial Real Estate Purchasing Requires Considering Many Factors

Today’s world economy is changing. More and more people are turning to the internet for their goods and services. As our ability to transport goods across international borders increases exponentially, the world is truly becoming as small as a tiny computer monitor screen. Faced with the prospect of competing with online vendors, what can today’s business do to offer a clear and attractive alternative? The key is, and always will be, the customer experience.

As the old adage goes-real estate is all about location, location, and location. That is no longer true than when you are shopping for commercial real estate. Firstly, the location must serve your basic business needs. Does the location offer you all of the space your business may need for today, and can it expand to meet tomorrow’s needs? Is the location safe for your workers, and is the area an attractive destination to potential customers?

Perhaps most importantly, your business must be accessible to these customers. The closer your business is to the customers that you seek, the more readily you can compete with online businesses. Nothing beats the experience of being able to take a short walk to a store and see, feel, and test the goods and services you might need.

A well thought out and researched piece of commercial property is more than a tract of land and a solid piece of construction. It can serve as a piece of advertising as well. The location of your commercial real estate can be in an area with a high level of traffic. With a sign on the building, you can essentially create a free, ongoing billboard advertising your business. Since your business model may depend on local business, this kind of free advertising can be invaluable as time goes by.

You may also look for commercial real estate in areas with little driving traffic but a high level of foot traffic. Areas with high foot traffic are great for retailers looking to attract new customers who may be out for a day of window shopping.

Likewise, buying property next to existing businesses with similar customers may be a great way to work with your neighbors to create a one stop shopping experience. Today’s customer who notices your sign can be the start of tomorrow’s word of mouth.

Aside from the location, the actual structure is the most important aspect of a commercial real estate purchase. Aside from space considerations, you must consider what elements are available to you within the property.

If your business is dependent on a high level of internet activity, you should seek out property with stable, high speed internet available to each of the spaces. If your business is retail oriented, you will need large floor plans, preferably with a certain level of window space available for passing shoppers. Restaurants, bars and certain service oriented businesses will need kitchens, bars, or special pluming needs.

While today’s economy is victim to many up and downs, particularly in the real estate market, those in the market for a commercial space may be able to find a bargain. This is especially true if you are able to find a ‘fixer-upper’ property that can be retrofitted for today’s business needs. As real estate prices once more rise, these commercial properties could become a source of new revenue for the future.

No matter what kind of space you may need for your business, trained and helpful real estate agents will be able to aid you in your search for a new commercial real estate property.

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E Cigarettes, Health and Safety – Can Electronic Cigarette Help Stop Smoking and Reduce Dangers?

The chances are, especially if you are a smoker that you will have heard of the electronic cigarette (or e cigarette) by now. However, as the popularity of the product undoubtedly increases, there still remains much confusion as to what this electronic device is and does.

The questions considered in the title, officially at least, remain largely unanswered, but we can have a look at some of the things that are known about e cigarettes and the industry that surrounds them.

The electronic cigarette has been in existence since around 2003, although it wasn’t until about 2008 that these things really started garnering some significant mainstream attention. During the next couple of years the e cig really took off, with more and more online distributors of the product appearing.

Despite its rapid rise in popularity, the electric cigarette has had far from an easy or comfortable ride, with many obstacles still to face in the future. A whole host of legal conflicts have been fought, some won, and some lost as the battle for a determining product status has ensued. What is the electronic cigarette? How can it be classified? How can it be marketed? Is it safe? Again, many of the answers to these questions remain in limbo.

Initially, many distributors were marketing the e cig as a method to quit smoking and a healthier and safer method of smoking than tobacco cigarettes. There is no ‘ignition’ with an electronic cigarette and therefore no burning and no smoke. Additionally most e cigarettes don’t contain any actual tobacco, so it is easy to see how these “safer smoking” claims originated. A smokeless, tobacco free cigarette!

Health authorities and local and national governments stepped in and disputed the claims and protested that as yet, the product had not been through enough testing to substantiate any of them, and they had a point. After all, the e cigarette still contained (in most cases) nicotine (in liquid form), which is of course highly addictive and in its raw form, actually poisonous. This was never going to be a smooth ride for distributors.

So, where does this leave the whole debate now? Do smokers have a genuine alternative to tobacco smoking on the market and is there a future for e cigarettes?

Well, in December of 2010, the Hollywood movie, “The Tourist” saw Johnny Depp sitting, opposite Angelina Jolie, on a “no smoking” train “vaping” away on an electronic cigarette. Earlier in the year, actress Katherine Heigl and David Letterman shared a well publicised e cig moment on the Late Show. Despite the many legal hurdles that still need to be negotiated, it seems the people that this could mean the most to, smokers, are making their own decisions.

I have spoken to many people and read many other stories of smokers who have turned to the electronic cigarette as an alternative to tobacco cigarettes and who believe that it has made huge differences and improvements in their lives. Some haven’t touched another traditional cigarette since they made the switch. Many e cig users also claim that this alternative smoking method is actually significantly cheaper (in the long term) than smoking tobacco cigarettes.

My dad died from a passive smoking related lung cancer, and I wonder if e cigarettes had been around and accepted 30 or 40 years ago, might it have made a difference for him? None of that dirty old, second hand smoke to breathe in. One wonders and only time will provide these answers, provided the e cig is actually given that time.

While we wait for official word on the future of electronic cigarettes, people are making their own decisions. With Hollywood also seeming to embrace the product, is it just a matter of time before e cigarettes replace the old ‘analog’ cigarettes and change the future of the tobacco industry and of smoking forever?

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Fast Cash Payday Loan – A Boon Or Bane?

What Are Fast Cash Payday Loans?

Fast cash payday loans are short-term cash advances, which are very useful to tide over situations of emergency cash requirements, faced before payday. Such loans usually involve less paperwork and take only a day for approval. These loans are generally made for amounts less than $1000 and will usually have a fee of $15 to $30 per $100. In most cases, all that is needed to qualify for such faxless payday loans are a checking account and a proof of employment. Cash is usually electronically deposited into the lender’s checking account within 24 hours of approval. This helps in quick management of financial emergencies and it is this ease of operation that has led to the huge popularity of fast cash payday loans.

Pros And Cons Of Fast Cash Payday Loans

One of the most important reasons leading to the phenomenal success of a payday loan has been the availability of cash at such short notice. One is faced with a genuine emergency like an unforeseen medical bill, unexpected travel plans and so on in several situations. In such circumstances, fast cash payday loans are a real boon as it is possible to meet such expenses with the cash advance received promptly. Other advantages of such faxless payday loans are the

  • Ease of operation with no credit checks involved.
  • Easy to apply either online, in person or even through telephone.
  • Assured security as minimal financial details are disclosed,
  • And availability of cash within a day.
  • Although the availability of ready money at your fingertips may seem like a dream come true, there are certain disadvantages or drawbacks to such short-term cash advances. The main drawback associated with fast cash payday loans is the phenomenally high interest rates or fees associated with these loans. It is always wiser to repay your faxless payday loan by the next payday or else the interest could pile up and accumulate into a prohibitive amount. The APR (annual percentage rate) on a fast cash payday loan is liable to become very high if the loan is not repaid soon. Hence, it is always wiser to pay back these loans by the next payday. After all, the main intention of such loans is to tide over emergencies, quick money for financial crises.

    Ultimately, a fast cash payday loan can be seen as a lifesaver to deal with emergency cash requirements.

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    Motor Vehicle Graphics And Signage

    Without a doubt you have seen many vehicles on the road sporting some kind of car graphics. Some are standard while others are intricate works of art. They have become increasingly popular over the last few years as a means of individualizing and improving a car’s appearance, as well as for advertising purposes. Businesses use car signage to advertise their services and/or products. It is plain that these kinds of graphics undoubtedly help to boost business, especially since the signage is constantly on display wherever the vehicle happens to be. Nevertheless it is also important that one bears in mind that there are costs involved when this type of advertising is selected.

    The majority of businesses that provide advertising like will need you to agree to a meeting with them. It is during this consultation that they will enquire about your ideas for the signage. They will select those graphics that you have approved, and which they feel will be the most suitable for your specific advertising needs. You will be billed for this consultation, either beforehand, or the fee will be included in the final purchase price.

    Your ideas, coupled with the talents of the designer, are combined, and a graphic for your business will be produced. Depending upon the amount of detail in the graphic, this can take some time, so do not expect immediate results. Not only will it take longer, but more detail will also mean you will pay more. Unique designs, like those that do not contain exclusive branding, will invariably cost around $1,000.

    When the design has been approved it is then printed. Basic vinyl designs usually cost about $10 per square foot, but this can be as much as $20. Again, the price depends largely on what your demands and preferences are.

    Lastly, the final expense you will need to consider is that of installation. Depending upon the size of your vehicle this can cost as much as $1,000 as well. While you might be inclined to cut corners wherever you can, it is best not to when it comes to installation of the car graphics or car signage. When car graphics are not installed properly they do not last, and they can be quite an eyesore.

    Naturally the amount you spend depends also upon which company you choose to work with. Make sure that you do a bit of research on more than a couple of them. Also, get preliminary quotes for comparison purposes. If you really want to be sure that you are making the right choice, investigate their previous work. In doing so, you will stand a much better chance of finding the right designer to work with.

    Of course, many people choose to have car graphics put on their car simply to make it look nice and give it some personality. Some graphics are relatively cheap and will set you back around $60 or so. Naturally you can expect that figure to rise depending on the size and quality of the graphic. Over the past few years machines have been made that print well on vinyl. Thus the graphic designer has much more scope and opportunity for designs. This has led to many new ideas and tools, such as computer programs, and printers, that are able to provide top quality designs.

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    Discount Car Rental Deals – Tips For Finding The Best Rates Online

    The start of the season has already been an excellent start for any search regarding discount car rental deals. As it would be simple to end up being stressed by the whole set of offer within the web-based business, follow this advice intended for simpler look up amongst providers.

    For starters, you have to be aware of that you can find a couple of types of providers which are supplying discount car hire deals. In order to save you valuable time, it’s not a secret to expert renters the fact that major worldwide businesses cost more whereas broker agents that team up with them are certainly more low-priced and simpler to acquire large bargains from suppliers.

    Therefore the broker agents have the ability to offer the equivalent vehicle class at a lower price. Focus on broker agents in search for the purpose of best offers. Next, there are particular nations which are normally less costly than others. Greece, Cyprus, Slovenia, Malta, Spain, Croatia, Serbia, Bosnia and Herzegovina, Hungary, Italy, Germany, Austria, Switzerland as well as Turkey are among the most cost-effective rental car marketplaces throughout Europe.

    At the same time Scandinavian regions tend to be famous for much higher starting fees in European union in default in comparison with previously discussed nations Renting a car in Norway, Sweden, Finland or Iceland will never be as cheep as renting a vehicle in Greece. Arranging beforehand is by no means too early.The second the holiday, business travel schedules are identified to you, reserve a vehicle straight away.

    Using this method you will enjoy a couple of critical goals: find discount car rental deals effortlessly as last-minute booking and even you will have much more choices to select from in terms of vehicle class diversity.

    Finest discount car rental deals in this year are incredibly excellent valued furthermore in Middle East locations together with several European popular area favored by British and Russian as well as German travelers. In order to find out more which places tend to be this year car rental deals supreme destinations check out car rental deals web page and check the rates.

    In addition, iPhone and android phone owners can download an application developed to help you find the best car rental deals online. By having an application on your phone you have ability to check out the prices just when you need to without using computer and having an internet connection.

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    Publishing Industry Jobs

    As recently as five to seven years ago, careers in the publishing industry were actually limited because of the small number of existing publishing houses, and the majority of those have been privately owned for generations and remain so today. However, many opportunities exist in the publishing industry because of the new innovative technology that has arisen out of the Internet.

    Probably the most obvious job within the publishing industry is that of an author. The second most well known or recognized job outside of the publishing industry is that of a literary agent, and the third is editor.

    Authors write the material or texts that are to be published. They submit their work to literary agents who forward the work onto the editors of publishing companies. Sometimes authors will forward their work directly onto the editor, foregoing the agent who will take a percentage cut of the author’s paycheck.

    If the author is really lucky, the editor will call him directly with a job.

    One of the problems is letting go of out-dated thinking and processes. While some places may have a ‘top-down’ problem, others have leadership that actually do think in terms of the 21st century and new media opportunities. But they are most likely the exception. Part of the problem is one of a slow-to-change work culture.

    There are many (great) veteran editors and sales people in publishing companies near and far that have held on tightly to the same way of doing things; editors used to only have to work on a print version of a magazine and sales made fairly easy commissions on recurring print advertising. Now editors frequently have several outlets to satisfy (print, web, podcast interviews, webcasts and, yes, videos) while sales people have to sell sponsorships for these new content vehicles. Sales people also need to understand these new technologies to convincingly sell them.

    Thepeople working in desktop publishing use a computer software in order to produce and format publication material. They basically use numbers, text and data to prepare the publication material. The publication material can range from newsletters, newspapers to magazines and books.

    There is a huge demand for people in the desktop publishing industry. In fact the statistics show that about 4 out of 10 desktop publishing professionals work in various newspapers, books, periodicals and directories. Every 1 professional out of 4 work in the printing industry and other related activities.

    The statistics also show that employment figures are also expected to grow faster in the near future.The jobs are easily accessible for people with a certificate or degree. To receive a degree you can get a training from an accredited vocational school or college. The time that you’ll have to invest in order to get a certificate in desktop publishing is not much, in fact it in about a year, what it takes to get yourself a desktop publishing certificate.

    There are other lesser known jobs in the publishing industry other than author, agent, editor, and publisher. One of these lesser known jobs is that of author publicist. The publicist takes the published book, the author, and puts together a public relations campaign that goes beyond simply marketing. If the author is a growing phenomenon, chances are that the publicist can be seen right beside the author during book tours.

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    Finding the Right Travel Nursing Placement Agency

    Travel nursing is becoming one of our nation’s fastest growing professions, and it’s no surprise. If you love seeing new places and enjoy exciting new experiences that evoke the feeling of taking an extended vacation, then the career of a traveling nurse might be just what the doctor ordered! Travel nursing enables many people to stay on vacation for two to six months in free luxury accommodations while earning high hourly wages at the same time.

    Yet despite all these advantages, many nurses describe to me that they’ve shied away from the traveling profession. Why? Because bad experiences with placement agencies have left them with nothing but a negative impression. They’ve been underpaid or lacked benefits, and I can’t tell you how many nurses have complained to me about inadequate housing or recruiters who were unkind, uncaring, and just plain unavailable. The sad result is that nurses end up jumping from one agency to the next, always in search of the perfect package that’s never there.

    In this light, choosing the right staffing agency requires a nurse to consider everything that is offered. Some nurses emphasize pay as their top priority. Others require an excellent benefits package. Many travel RNs are location-specific and want to experience the lifestyle in the country’s hot spots. Career flexibility is often a pivotal factor, along with customer service. The bottom line is, your agency choice depends largely upon one of the four following criteria.


    No question about it, there are some agencies that offer more money than others. So the first thing to remember is that agencies may base salaries upon things like location availability, need-to-fill assignments, and cost of living.

    Some agencies must offer noticeably higher rates if they expect to fill certain assignments where nurse-to-patient ratios are very low, or where a facility has extreme patient needs. If you’re a nurse who is attracted by very high dollars, be alert for a potentially desperate situation you might be entering, and the workload it could bring. You may make more money, but you’ll earn every dollar and more.

    Location also factors into salary. The California bay area and many larger east coast cities definitely offer more lucrative pay rates. It’s also much more expensive to live in those places, so recognize the relationship that exists between salary dollars and cost of living. I’ve seen nurses return from Hawaii saying they had a great vacation and made a lot of friends–but their purses were lighter, not heavier from the experience. You might get less money in an exotic location and come back with more money from a not-so-exotic location. My point is, your criteria will determine your priorities.


    What some companies may lack in salary, they make up for with benefits. Many agencies offer benefits programs that revolve around monetary bonuses or discounted luxury housing; and I have even observed a trend with several newer companies that offer entirely free housing to all their nurses. Take note, however, that those agencies may not ante up the really high salaries. It’s a trade-off, so they compensate you with benefits to save you daily, monthly, and annual expenses. Every nurse should be aware of what benefits they need the most, and then ask their recruiters to assist in developing a package that is tailored to their individual needs.


    To many traveling nurses, customer service and aid are the most important attributes a placement agency possesses. If you called ten agencies and only talked with one live recruiter, it’s probably best to narrow it down to the agency where individual placement specialists were easily available. After all, if you’re ready to proceed with a new assignment you’ll want an agency that can make it happen fast and has recruiters available who already understand your criteria. In fact, your criteria may change from one assignment to another, so customer service is paramount. Determine what you want and then find out which agencies can make it happen.


    While for some nurses, salary, benefits, and career flexibility might be the number-one interest, many others just want the obvious–to travel and see the world. If you’re an adventurer who cares more about the travel experience than the money, then you’ll need an agency that can offer you the locations you want.

    Not every agency can send you just anywhere. Figure out where you want to go, and then call around to discover who can send you there.

    A travel nursing career is absolutely one of the best, most rewarding choices any nurse can make, but it’s important to select a company who will partner with you every step of the way. Before you jump in, do your homework and research all the best placement agencies. Finding the agency that fits your unique wants and needs will drastically increase your chances of success and happiness in your career.

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    Low Interest Personal Loans – Unsecured?

    Low-interest personal loans, also known as signature loans, can often be quite difficult to qualify for. Low-interest personal loans are granted to the borrower without the lender enjoying the benefit of collateral which is why they are often called unsecured loans. It is for this reason that borrowers will find that lenders’ guidelines for such loans are often significantly more stringent.

    Since no collateral is offered, as opposed to a home equity or auto loans, the lender’s only recourse in the event of default is to file a lawsuit. While it is certainly within reason that the lender could be awarded some personal property or wage garnishment as a result of a lawsuit, this is generally not the case.

    In jurisdictions where wage garnishments are permitted, they are generally reserved for cases involving child support payments. As lenders find themselves financially exposed with low-interest personal loans, they will often require that the borrower has a requisite level of financial stability and credit in order to consider granting them.

    The underwriting guidelines as regards low-interest personal loans will vary from lending institution to lending institution. In the case where there is a pre-existing personal relationship between the lending institution and the potential borrower, the qualification criteria will often be quite a bit more lenient.

    While this is often the case, the lending institution is certainly under no obligation to make any exceptions as regards their guidelines. The parameters that lending institutions will use in order to determine whether a borrower is qualified for a low-interest personal loan are solid financial assets, job longevity, good credit rating and a low debt to income ratio.

    The size of the personal loan that most lending institutions are willing to offer are often limited, sometimes to as low as $5,000. While some may offer more, it is important to remember that low-interest personal loans are often quite difficult to receive approval for. In the case of a potential borrower with less than perfect credit, they will find that the opportunity for them to receive approval for a low-interest personal loan is limited to say the least.

    The situation is necessarily as dire as one might believe for borrowers seeking a loan with less than perfect credit. There are countless finance companies that specialize in smaller loans for just such borrowers. While borrowers may succeed in obtaining a loan through these finance companies, they will find that the interest rates that they are offered are often as much as 10% above market interest rates and can be paid off over a one to two year period. It is highly recommended that borrowers do their due diligence as regards researching their available alternatives.

    There is another option for borrowers with poor credit, cash advance loans. Cash advance loans are also know as fast cash and payday loans; they require no credit check and, as such, the borrowers credit history is of no consequence. Cash advance loans are high-risk and, subsequently, have high interest rates and are designed to help borrowers solve immediate cash-flow problems.

    It is important to remember that there are financial institutions that are more flexible than others and more open to work with a borrowers of all credit ratings. In certain cases, borrowers with poor credit may find that they can obtain a loan for up to $20,000. Of course, unsecured personal loans are obtainable by almost everyone for virtually any situation.

    While unsecured loans with low-interest are not easy to come by, there are alternatives available for borrowers with a less than stable financial standing. Again, with some research and by learning what is available, one should be able to find loan package that meets their needs.

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    An Outline of Personal and Business Loan Categories and Their Uses

    The number of loan products have increased over the past 20 years as economic necessity and a demanding public in need of specialization to solve financial circumstances. From personal loans, educational loans, business loans and even municipal loans to touch on a few required various industries to be creative. The entities that took part in the creation of the various financial products are actuaries, risk management professionals, “information and informatic engineers” and Wall Street amongst others. It was necessary to create, enhance or break down for better or for worse loan services and products to keep money fluid in a diverse marketplace that required funds to address niche demographics.

    • Personal Loans

    Signature Loans – A signature loan is just as it sounds. One applies for a loan and gives a signature on a promissory note to repay the loan in a certain amount of time. That amount of time is called a “loan term ” and may be from six months to five years. Signature loans usually require good credit and the criteria for loan approval are mostly based on the borrower’s credit and and to a lesser degree on assets. Not all signature loans have the same parameters for qualifications. Some loans may require the borrower even with good credit to account for assets to show the lending institution for underwriting purposes. The institution may or may not place a lien on the assets but nevertheless wants to have documentation proving that there are indeed financial or physical assets owned by the borrower. Signature loans usually come with lower interest rates than other types of consumer loans like payday loans, credit card advances, title loans and some car loans. More on these topics later. Who are the lenders in signature loans? They range from large subsidiaries of auto manufacturers to banks, savings and loan institutions, finance companies and payday loan companies.

    Credit Card Loans – Credit Card loans or cash advances from credit cards are another form of personal loans. These quick loans are more readily available to the general public and does not require a credit check. To obtain the initial card more than likely required a credit check or at least the process of identification for secured credit cards. Credit card loans or advances usually come with higher interest rates and also other fees for having access to the cash. Various entities allow access to the credit card cash advances from bank tellers, check cashing facilities and automated teller machines (ATMs). The fees vary based on source used to access the funds. To lower the fees for cash advances some use check cashing facilities to have the card charged and receive cash back in turn for not having to incur the fees of ATM machines as cards are assessed a fee twice; first by the ATM company and also their bank. The interest rates on credit card loans or advances are usually higher than signature loans. There are some states that have usury laws that have lower interest rates on credit cards. The loan or advance on a credit card is not a “term loan” as with most signature loans. It is more or less a line of credit the borrower has access to when they need it as long as there are funds available on the credit card. Interest on consumer loans are no longer tax deductible as in previous years. They were designed for short term borrowing needs but many have come to use their credit cards as a regular source of funds in tight economic times or between paychecks.

    Wedding LoansA relatively new form of loan to carve out a niche for the lending industry and meet the needs of the increasing costs of weddings is the Wedding Loan. Because of the expense of weddings which can range into six figures, it sometimes requires a personal loan or even a business loan of the families involved to provide a proper wedding. Wedding loans can be secured (using assets for collateral) or unsecured (signature loans) to obtain funds for the ever growing need to pay for the escalating wedding costs and all the various services and products that a successful matrimonial ceremony would need. The credit criteria and the term may vary based on the amount needed and financial status of the people involved.

    Payday or Cash Advance Loans is a fast growing market because it usually requires the least of credit criteria used for loan approvals. One can have bad credit for a quick and instant loan. Just having proof of income, proof of identity and a checking account is all that is necessary to secure funds. Even today many have checking accounts without checks one can still obtain a cash advance by asking their bank to produce a one time check to give to the payday loan agency. Many payday loan companies and stores can get approval with no faxing of documents as they utilize other means for proof of income. Although payday loans come with very high annualized interest rates they sometimes are the only source of emergency cash loans for those in need.

    Automotive, Motorcylce, RV (recreational vehicle) and Boat Loans – These personal consumer loans are usually not signature only loans but asset based loans. In other words a financial lien is placed against the asset to secure a loan to purchase or refinance the car, boat et al. These consumer loans may sometimes require a down payment of five to twenty-five percent to secure enjoyment and use of ownership. Because these are not funds that are already available as with credit cards they come with a “loan term” from one to six years depending on the choices of the consumer, the marketplace and the credit status. The interest rates can range from very low usually offered by manufacturers of cars, motorcycles, RV’s (recreational vehicles) and boats to very high if the borrower uses a credit card, a finance company or a “buy here – pay here” lender – or the car dealer who finances the purchase of the car by giving the borrower a term of months and years to pay the balance of the loan off.

    • Business Loans

    SBA (Small Business Administration) Loans are loans that are given to small businesses which are not able to qualify for a loan from a financial institution for various reasons from lack of business history, lack of collateral to “secure” the loan or not having an adequate credit history. The SBA is not a direct lender but acts as an underwriter on behalf of the bank that funds the loan for the business entity. If the borrower defaults on the loan the SBA will pay the bank a percentage of the balance for taking the financial risk to loan the funds to the business. There are various types of SBA loans which will not be covered in this article but a future article will explain in more detail.

    Conventional Business Loans are loans that are either unsecured meaning no asset is used to approve the loan or secured and called “asset based loans” where assets from inventory, equipment, accounts receivable or real estate are used for underwriting for loan approval. Conventional business loans are given to business entities that have great banking relationships, established business credit history with trade lines with other businesses they do business with and good standing with various credit reporting entities like Dun & Bradstreet. There are short term loans with interest only payments with the balance due at the end of the loan usually referred to as a “Balloon Loan”. There are also longer term loans that are fully amortized (principal and interest in each payment) paid over one to five years or more.

    Equipment Leasing is a financial instrument which technically is not a loan. Meaning based on tax ramifications and who owns the equipment – leasing is just that – leasing an asset owned by another entity. Leases are u
    sually from large corporations or a bank. The lease term can vary from one to five years or more and there usually are tax benefits to the business entity in leasing new or used equipment.

    Equipment Sale Leaseback is a transaction to use equipment that is already owned by the business or municipal entity to secure funds for the present need for operations. The term can vary from one to five years and the amount of funds can vary based on credit history and a percentage of the fair market value of the equipment. The company then in turn leases the equipment back in usually a monthly payment. The company or the lessee normally has different choices on what they want to do with the equipment at the end of the term. They can roll the lease transaction into newer more updated equipment or software. They can buy the equipment for one dollar or ten percent of the fair market value of the equipment.More and more companies are leasing today as opposed to paying cash or using bank lines or loans.

    Merchant Cash Advance is used by businesses that need fast cash and can’t qualify or don’t want to go through the process of getting bank approval for needed funds. A Merchant Cash Advance is also not a loan product but it is the selling of assets or credit card receipts at a discount. In other words the Merchant Cash Advance company buys the credit card receipts and then attaches a fee usually every time the business “batches”, settles or closes the day’s or week’s sales until the funds advanced are paid off. There is no term with merchant cash advances as it is not a loan so there is no set payment amount or period. The paying off of the advanced funds vary based on a the credit and debit card transactions of the day or week.

    Factoring Accounts Receivable Invoices enables a business entity that normally has to wait 30 days or longer to be paid by other businesses or governmental entities. Again factoring is not technically a loan but a selling of invoices at a discount for cash now. In a typical transaction the company applies with a Factoring Company and the company looks primarily at the credit of the other business or governmental entity that the company is doing business with. Based on that as long as the client of the company is a solvent business or government agency the invoices are bought and funds are dispensed to the business usually within three days of due diligence on the company they are transacting business with. In other words the funds are dispensed after there is a credit check and processing of the other company. The dollar amount that is advanced can vary from fifty percent of the invoice to eighty or ninety percent depending on various factors such as the size of the invoice to the credit criteria of the other company or governmental entity whether it is a city, county, state or federal agency.

    Medical Factoring is a financial transaction that benefits medical entities like hospitals, clinics and various health care professionals that have to wait to receive funds for services performed on patients. Like Factoring and Merchant Cash Advances Medical Factoring is the selling of assets in this case invoices for cash now. In many instances the health care industry receives payment from third party entities like insurance companies, Medicaid and Medicare and state entities that provide funds for those in need of medical procedures. The medical facility or professional in turns sells the invoice(s) on a on going basis or one time for cash now. Once there is an interest is selling the receivables then a Factor steps into analyze the billing so that funds can be advanced. This process can vary in length but is usually shorter in length than the process of getting bank financing.

    Contract and Purchase Order Funding allows companies to bid on large projects for governmental agencies, hospitals, universities, prison systems and municipalities or also to sell to larger corporations even if the business does not have the credit or bank approval or the wherewithal to service or fulfill a large contract order. Similar to Factoring which works hand in hand with Purchase Order Funding it is not a loan but a simultaneous transaction that involves advancing funds based on the credit of the governmental agency or larger company and the size of the contract. The funds that are advanced are for the cost in completing the order of products or performing services. So the profit that will be gained is not advanced but the costs as in raw and finished material, transportation, production, labor, expertise and any other costs involved in completing the contract. Once the contract is completed or once an invoice is ready to be sent to the client a factoring company which is sometimes owned by the same company buys the invoice at a discount and the funds that would normally be advanced to the company are usually used to settle the amount advanced for the material and other services that were needed to complete the order. Contract and Purchase Order Funding usually requires large transaction amounts as opposed to factoring that can be utilized for invoices as small as one hundred dollars. With the use of Contract and Purchase Order Funding companies that were locked out of the process of bidding on large contract s may become players in multi-million dollar deals.

    Commercial Real Estate Sale Leasebacks are similar to Equipment Sale Leasebacks featured in this article. Instead of utilizing owned equipment to secure cash when bank borrowing is not wanted or not available the commercial real estate is used to access funds now. This can vary from office buildings, medical buildings, retail franchises, industrial buildings and manufacturing to large utility plants. This frees up cash “locked” away in real estate. Many entities find that at the present time the business they are in whether it is retail, manufacturing or another field that the holding of commercial real estate is not in their best financial interest for now. They prefer to put to use funds for their industry. So a retailer selling retails goods decides to focus on the retail operations and to lease the space because that real estate when factored into a myriad of calculations does not fit their financial goals during the present time. Yes the ownership of commercial real estate is an asset and can be used as a security for a loan but may also be viewed as a fixed non-performing entity that does not meet the needs of the business, organization, group or individual that owns the building. Commercial Real Estate Sale Leasebacks are another form of getting access to funds and has increased over the years.

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    IV Sedation Is Safe, Quick and Painless

    IV sedation basically means administering the sedation through the veins. IV stands for intra-venous. There are some dental procedures that require the patient to be sedated. This can be done two ways – either through general anesthesia or through IV sedation medication. Most dentists and even patients prefer IV sedation over general for several reasons.

    IV Sedation vs. General Anesthesia

    Though the result is the same, both procedures are quite different. With general anesthesia you inhale the sedation gas through a mask whereas with the intravenous sedation medication is administered with an injection through the veins.

    General anesthesia causes complete unconsciousness where you are not aware of anything around you whereas when you receive IV sedation, you are aware of what’d going on and can even respond to the dentist’s visual clues. With both methods, you do not feel any pain at all.

    One of the reasons why dentists prefer the IV method is that it allows them to monitor the situation more closely and adjust the levels depending on the patient’s pulse, oxygen levels and blood pressure.

    What Happens in IV Sedation

    If you and your dentist have decided on IV sedation there are a few things that will happen. First your dentist will ask you several questions to determine your entire medical history, complete with any incidences of allergies, heart problems, diabetes or other conditions. Accordingly you will be evaluated for the procedure depending on whether you are on any kind of medication

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