Avoiding Malpractice With Business Loans

When commercial borrowers are seeking commercial real estate loans and business loans, malpractice can occur with both business financing lenders and brokers. Malpractice in commercial funding activity is a concern when there is a serious failure of professional duty.During the opening segment of the television series Hill Street Blues, Sergeant Phil Esterhaus usually ended with a suggestion (let’s be careful out there) that will also be helpful in avoiding malpractice situations involving working capital financing. Although that is a worthy goal, the actual practice of avoiding problems with business loans is somewhat difficult and complex. The most effective approach we have found for a dilemma like this is to offer comprehensive strategies and advice that reflect a candid analysis of these difficulties.We have published a special report addressing one of the biggest recent causes of malpractice involving business financing and commercial real estate loans. Most commercial borrowers are probably aware that chaotic conditions started impacting residential real estate beginning about 12 months ago. This has produced problems for commercial borrowers since it has resulted in numerous former residential lenders and brokers now attempting to execute business loans because their previous residential lending activities have all but dried up.Inexperience involving commercial loans is never a good thing when you are describing a commercial lender or broker. In almost all cases the complexity of business loans combined with inexperience by their financing advisors can result in a formula for malpractice.Even though a broker or lender was superb at executing residential mortgage financing, please do not assume that they will also be good (or even marginally capable) when it comes to commercial mortgages, working capital financing or small business loans. We have prepared a series of reports which focus on over twenty critical differences between residential financing and business financing. It really does take several years to be effective in finalizing commercial loans.Another common source of malpractice with working capital financing is currently seen with many agents for business cash advance programs. Most of these agents represent only providers for credit card receivables financing and simply do not understand business loans in general. They are focused on only the narrow but important service that they provide and are not capable of assisting with other forms of business financing.Although it might not be obvious to most business owners, the malpractice potential with business cash advances is also directly related to the first example described above involving inexperienced brokers and lenders. In many cases throughout the United States, call centers that previously focused on residential real estate loans have simply switched their focus to merchant cash advance programs. Once again inexperience is never a good thing when complicated working capital management services are involved.Specialized commercial real estate loans and SBA loans represent the final example of malpractice potential. Although many commercial lenders seem to suggest that they can do SBA financing, in reality very few do what they claim. One major business financing lender ceased most business operations during the past year because of apparently fraudulent SBA loan activities.Specialized commercial property such as funeral homes, gas stations, bowling alleys and golf courses have always been recognized as problematic for commercial loans. As a relevant example, a national lender for funeral home loans is now the target of litigation due to commercial funding activities that almost anyone would view as irresponsible.Commercial borrowers should rightfully conclude that an important step in avoiding potential malpractice circumstances might simply be to avoid certain lenders and brokers. We would agree wholeheartedly, and in fact published a special report some time ago dealing with the need to avoid problem brokers and commercial lenders.No matter how serious the three malpractice examples might be, they should be considered as the tip of the iceberg when looking at the overall obstacles for working capital loans and business loans. Our advice is meant to reinforce the importance and value of being prudent in pursuing commercial loans.

Bad Credit Business Loans – A Good Chance to Re-Establish Your Business

Bad credit is not a typical situation, which can be resolved in a matter of time. In fact, having bad credit it self denotes that you have faltered or skipped making payments towards your past debts. Further, it implies that it will get tough for you to derive loans even if you want any. However, the stances of the lenders have changed slightly. In fact, lenders now favor the idea of providing monetary assistance to those with bad credit problems. If you are looking for external financial aid to replenish your business, then you can very well seek the assistance of bad credit business loans.As the name refers, these loans are meant to provide monetary assistance, so that individuals with bad credit problems can refinance their existing business or start a new one. The loans can be utilized to serve any expenses related to business purpose such as acquiring a new plot, building a new office, arranging transportation of finished goods, consolidating old debts, paying wages etc.Based on your need and requirement, you can avail these loans in secured and unsecured form. Secured form of the loans is ideal for those who are looking to borrow a bigger amount. However, to derive the amount, applicant has to place one of his valuable assets as collateral to secure the amount. It is on the basis of equity present in the collateral that you get to derive a bigger amount and that to at comparatively low rates.For those who are looking for a smaller amount and do not wish to pledge any collateral can go for the unsecured option. This option of the loans is free from any collateral pledging, which is beneficial for borrowers such as tenants and non homeowners. The repayment term is short and lenders to reduce the risk approve the loans at a marginally high interest rate.Further it would be optimal for the applicant to have a repayment plan ready, so as to convince the lender. Moreover, prior to the availing of loans, borrower should undertake a proper research of both the market, traditional as well as online. This way borrower will be able to get the best low rate deal on the loans. On further, ensuring timely repayment of the loans, the borrower has a chance to improve the credit score.

Make Money Online – Do Not Be Fooled!

Most frequent in multi level marketing or MLM is the make money online scams. It is true that a lot of people are now engaging in working from home through the Internet and so online scams are also more popular than ever. Truth of the matter is not all online jobs are scams. You just have to be watchful in choosing the right online job for you so you will be able to be one of those people who have earned millions just by staying at home.If you are an online marketer, chances are you have come across these online scams without even noticing it. Online scams are raging and it comes in different forms. Most of these online scams even have a great way of getting money from the one scammed in most unsuspicious way. Online scams can lessen your chance of getting more and more income online. The more popular online scams are: clicking banners, answering surveys out, checking your electronic mails, chatting and shopping online.Make money online scams is really popular with MLM. Using the multi level marketing, these scammers are given the opportunity to scam other people with the use of the following: MLM directories, MLM sites, MLM companies, investment clubs and online training courses.Another type of scam that is most common and tops the online scams is with home-based jobs. This type of online scam comes with ad forms. The tactic is that you are required to pay a certain registration amount and then after getting that sum of money from you, they completely shut down their system. You will be surprised but an online scammer who is very successful at his job has an income of $10 to $70, 000!Spam e-mails are also one type of scams. You have probably seen thousands of these go to your e-mail every single day and they are even unsolicited. It means that you never signed up for any subscription to their services or whatsoever. These scams simply attack your e-mails and the whole of your e-mail inbox. Some scams cannot simply be deleted by pressing the empty tab or delete tab in your mail server. Most of these scams mails will require you to click a certain link so you will be able to remove them from your inbox or spam folder. This is where they earn hundreds and thousands of dollars.These scammers also make money by rummaging through your e-mails and then getting important information about you like your credit card bills, your name, your address and even your social security number. These scammers simply use your credit cards without you knowing it. You’ll just be surprised when your monthly credit card bills arrive.Make money scams are really unfair especially if you have been working so hard for you to earn your money. Do not add up to their income by simply clicking on buttons that pop-up in your screen. To avoid scams, you can earn legitimate money through Zero Friction Marketing.

5 Empowering Tracks From Female Icons To Make You Feel Inspired

Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself.

According to a study by Heriot-Watt University, the type of music you listen to not only influences your mood, but also your personality, with indie and rock/heavy metal fans reporting the lowest levels of self-esteem, while fans of jazz, blues, opera, classical, pop, rap and soul all reported high levels of self-confidence.

So if you’re having a ‘down day’, why not boost your spirits by listening to some powerful, uplifting tracks? Here are five perfect confidence boosters.

Britney Spears – Toxic

Britney’s own struggles with her mental health and conservatorship have made her an inspiration for many people across the world.

This classic song is timelessly sensual, and the heavy beats throughout make it impossible not to dance to. A welcome blast of nostalgia, this tune has filled dance floors across the globe with fans old and new.

The video features Britney as a female spy playing the sexy flight attendant, seducing her passenger before she makes her escape on a motorbike and breaks into a high-security facility guarded by a laser security system.

This track and video is a guaranteed way to feel invincible, and deserves a place on your playlist no matter your mood.

Kelis – Milkshake

A cheesy classic that is guaranteed to make you feel all warm and gooey inside, Kelis pumps up the heat in this 00’s RnB track. Underpinned by intricate drum beats and electric elements, Kelis’ self-confidence is infectious, and it’s hard not to find yourself smiling at the lyrics.

This track is a great way to get into a flirtatious mindset, making it a great choice before going on a date or heading out for the evening.

And if you’re staying in? It’s a great mood lift. But beware! You may find yourself craving a sweet treat.

Eve (ft. Gwen Stefani) – Let Me Blow Your Mind

This RnB classic will capture your attention with its assertive rhythm and powerful vocals from 00’s icons Eve and Gwen Stefani. Featuring a laid-back – yet self-assured – beat, and catchy guitar riff, this is a great track for driving, and its empowering feel is sure to help you feel motivated.

Got a job interview lined up, or thinking of asking for a raise? This anthemic number is a quick way to feel positive and more assertive.

The video features Eve and Gwen Stefani crashing an exclusive event on quad bikes, causing a stir among the privileged attendants, and shoving the performer off stage to perform their own music, before finally being arrested and taken to the station in a police van.

This ‘baddie’ track helps you to tap into the hidden ‘bold’ side of your personality, and lifts your mood while keeping you feeling calm and cool.

Fergie – MILF$

If you have kids, it can be difficult to feel sexy. When you’re running around cleaning the house, changing nappies, or up to your elbows in dishwater, you can easily forget your sensual side – leaving you feeling frumpy and lacking in confidence and motivation.

Thankfully, Fergie’s comeback track is a quick remedy to your low mood and lethargy.

Featuring attractive mothers dressed in curve-hugging latex and silky lingerie going about their daily life in a dreamy, colourful suburbia, this track is a quick way to transform your self-esteem and transport you to a world where you are not just a mother, but a goddess too.

Why not shake off the day and tap into your feminine energy with Fergie, your sexiest PJs, and a bottle of your favourite wine?

Marina And The Diamonds – How To Be A Heartbreaker

Low confidence after a breakup? You’re not alone. Having your heart broken can leave you feeling depressed, undesirable, and unmotivated. So flip the tables on your ex and become a heartbreaker with Marina’s catchy club classic.

This empowering dance track will make you want to move your body and get in touch with your bad girl side, with its heavy beat and pounding rhythms.

Plus, if your libido has suffered as a result of your low mood, take a sneaky peek at the video – it will get your blood pumping with its steamy shower shots and smoking hot male models.

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