nasa jewel

Saturday, January 5, 2013

Small Businesses and Commercial Finance - Commercial Mortgages

Whenever the financial year may begin for your business, a new year is a chance for a new start, an opportunity for the businesses that have endured struggle; to re-evaluate strategies, short term aims and long term goals. For the small business owner, 2013 is a chance to maintain growth and retain financial strength however, with economists forecasting a 50-50 chance of an astounding triple dip recession; how can the risks to business finances be minimised?

According to the Centre for Economics and Business Research (CERB), a range of predictions have been made surrounding inflation, the commercial industry and the Bank of England; all of which indicate that the small business owner may very well be treading on murky waters.

The UK economy faces great challenges; challenges that may put investors, savers and business owners at great risk but what other options are available? And can the risk levels facing the small business owner be at all minimised?

The overall economic strength of 2012 evidently declares that the first quarter of 2013 will be weak and although predictions indicate that the Funding for Lending scheme may soon start to take effect; the small business owner is encouraged to seek financial advice from an independent service.

The independent commercial finance specialist acts as an intermediary and will work only for your business. As a specialist broker; an independent financier works as a middle man between the borrower and lender. Acting upon the best interests of the business and with the assistance of an in-depth application process that will analyse business plans, financial figures and predictions; the independent broker will secure the ideal loan needed for commercial survival in 2013. The beauty of this middle man is simple; unlike the sales driven bank staff, the success of an independent broker lies in the success of borrower and lender dealings which, may ensure that the risks of hiked fees, surprise costs and charges are greatly minimised.

How does an independent broker work? It is quite simple; there are many finance brokers available on the market however, for the small business owner it is often suggested that a specialist commercial broker be contacted. A commercial broker firm is one consisting of professionals all expert in the field of commercial finance and with access to an abundance of unique, high quality and specialist commercial lenders who, as a result; will work to match your business with the ideal lender and secure the best deals and the best interest rates that may not be achievable by the high street bank.

The financial options available to the small business owner will vary from lender to lender however; the best commercial brokers will offer a wide range that may include the following:

Commercial Mortgage- Although renting may seem like the most viable business option; it is a commercial mortgage that will offer steady payments allowing for a better chance to secure cash flow, tax deductibility, equity and the ultimate end goal of property ownership.
Bridging Finance- A surprise bill, ever growing debt, or quick expansion can be aided by bridging finance. A short term loan that can often be secured within three days; bridging finance is ideal when desiring fast results.
Buy to Let Mortgage- If your new or existing business involves property leasing than a buy to let mortgage is the ideal option. With the housing market still under strain, a buy to let mortgage is a fantastic option for lenders to capitalise on a growing market.
Development Finance- For those seeking investment in an exciting project; a development finance loan is the ideal solution. Often difficult to obtain from the high street lender; an independent broker may offer a better opportunity for success.
HMO Mortgages- Again, an ideal solution for the property investor; a HMO mortgage will allow you to capitalise on the growing demand for student and shared accommodation.
Invoice Financing- Cash flow is a major issue and may stand between success and failure however, invoice finance will allow for better management and control.

The above are just a few financial options that may be offered by the commercial mortgage broker. For the small business, whether a legal firm, retail store or perhaps even a property portfolio; an independent broker will offer a greater selection of loans all at a greater rate. What?s more is that for those who have adverse credit and may have previously been rejected financial aid from the high street retailer; achieving financial support from a broker may not be as difficult as expected.

The threats facing the small business owner are unfortunately still as great as ever which is why, as we settle into the new year; the trusted and reliable financial options must be sought if the risk potential is ever to be minimised.

Is your small business ready for the challenges that 2013 will no doubt bring?

Source: http://www.charlestonfinancial.co.uk/small-businesses-and-commercial-finance/

pinewood derby cars republican debate tonight tinker tailor soldier spy rich forever rick ross project runway all stars elin nordegren tangled ever after

Baby Boomer Generation is Finding Old Friends Online

Baby Boomer Generation
is Finding Old Friends Online.

Have you ever wondered what your buddy from high school is doing these days?

How about that cute girl or guy you liked your junior year?

Well, now days Baby Boomers are using the Internet to find old friends!

Sure, back in our day we had to deal with that whole phonebook thing, and if they weren't listed, you were just out of luck.

That certainly is a part of our past - but today the Internet has changed the whole scheme of things.

With the aid of our home PC or Mac computer, Baby Boomers can find people on the Internet with the push of a button. Or click of a mouse. Whichever catchphrase you prefer. If you haven't done it yet, get online now and check it out.

About a month ago, I stumbled across my high school yearbook, while searching for some old photo albums. My eyes lit up with intrigue. I couldn't help but flip back through it - experiencing a 30-year time warp. What a truly nostalgic experience seeing all of those failures faces from times gone by - way by for us Baby Boomers anyway.

Then I got the idea to pop open my laptop computer and actually try to find on the Internet some of those people from my graduating class. I began punching names into GOOGLE. While many of them didn't pop up, several did. Whether it listed the college they attended, their current law or medical practice, or just an award or certificate they had won, it was all too bizarre.

I found that there are literally dozens of websites that would do the searching for me. They were able to find many more of the ones that I was looking for.

Then I came across an even better way to find my old classmates - Classmates.com.

Classmates.com is a nifty web service that offers access online to Baby Boomers as well as anyone else who joins. There I could literally regain touch with many of my old classmates through emails, messages, and pictures. This service does have a monthly fee like some others do, but it's absolutely ideal if you want to find people from your old high school or even your college. Yearbook.com is another website that I found to be very helpful in finding old classmates.

Yes indeed, Baby Boomers are finding the Internet to be a great resource for not only?searching for?old friends but also many of the products and services that we desire. Try it, you'll like it!

Source: http://www.babyboomer-magazine.com/news/117/ARTICLE/1120/2013-01-04.html

ed reed football schedule jo paterno dead south carolina tuskegee airmen mike james red tails

Friday, January 4, 2013

James Bond Franchise To Get A Tribute At The Oscars

It's been a very special year for the James Bond franchise. 007 turned 50 years old, "Skyfall" made over $1 billion and now the Academy of Motion Picture Arts and Sciences has revealed it's honoring our favorite British secret agent with a special tribute at the 85th Academy Awards. The Academy has announced the news [...]

Source: http://moviesblog.mtv.com/2013/01/04/james-bond-oscar-tribute/

billy crystal oscar winners 2012 billy crystal oscars 2012 angelina jolie oscars chardon high school christopher plummer viola davis

?The Paperback Quest For Joy? ? A Self-Help Roundup | Mockingbird

9780399536984 Why do self-help books keep selling? Lots of reasons we could say on here, but their commercial success is entirely predicated on the fact that no single one of them tends to help the problem. Different forms of Law survive mainly because of our predilection for control and self-justification, but its inner irony is that our continued ?love affair? with it depends directly on the fact that it does us no good.

There?s no better sociological parable of the Law that the still-growing American self-help industry, a frequently snide subject for Mockingbird but one that, it helps to remember, is inveterately there in all of us, which is why it provokes such nervously self-conscious derision. The?City Journal?recently did a piece on??America?s Unique Love Affair with Self-Help?, pointing out national attitudes underlying the self-help obsession and some its social consequences. All the same, if you think reading a simple article can end your love affair with self-help?but it does go to show some good, presumably secular wisdom on the demand for happiness in practice:

There is much to mock about titles like the?Chicken Soup for the Soul?series, which has so many constituent books for teens, preteens, dog lovers, and so forth that it occupies its own shelf in Barnes & Noble. There are serious criticisms, too: that self-help distracts Americans from a fraying social safety net and disintegrating communities, or that an obsession with self-actualization breeds people unwilling to sacrifice for the greater good. But at its best, self-help captures something uniquely American: the belief that anyone can pursue happiness?

Then there?s the question of whether self-help works at all. ?To be frank, most self-help books are disappointing,? says [sociologist Christine] Whelan. ?They often blame the victim with the implied message that the advice in the book works, and if it doesn?t work for you, you didn?t try hard enough. They often seek to solve problems that can?t really be solved by reading a book on your own. They use composite stories to create idealized examples of how the advice works, which only leads real people to wonder why they keep failing.?

Micki McGee, a professor of sociology at Fordham University and author of?Self-Help, Inc.: Makeover Culture in American Life, notes that, since the 1970s, the growth in self-help has paralleled the destabilization of the labor market and of families. ?In place of a social safety net, Americans have been offered row upon row of self-help books,? she says. A declining number of people have a lifelong profession or a lifelong marriage, and so ?it is no longer sufficient to be married or employed; rather, it is imperative that one remains marriageable and employable.???Taking issue with the ?empowerment? school, she points out that ?the idea that you?re completely in charge of your own destiny has as its inverse that if anything happens to you, you are to blame.? And if things go well? Self-help is steeped in ?that painful, self-congratulatory aspect that American success has. It?s not enough to be successful, you get to take full individual credit for it,? as if no one had helped you along the way. ?Our indebtedness to each other is erased in this literature,? McGee says?.

This final insight has a deep relation to Christianity ? the indebtedness of judgment and the gratitude once that judgment is paid have little to no meaning in the ?painful, self-congratulatory? way of looking at things.

This viewpoint is of course evenly distributed among partisan lines, part of the intrinsic human condition. ?Yes We Can!? and ?We Built It? look remarkably similar from a Law/Grace standpoint, and perhaps that?s because this obsession with progress, both personal and communal, is articulated with unusual directness in the roots of America itself:

The fact that we choose our gurus according to who seems most compelling is also very American. We have no state religion, and few of us do things just because our great-grandparents did. We don?t listen to a village elder who tells us what the good life looks like. Instead, we construct it ourselves, from what we see of the world around us?and what we find at the bookstore.

That reflects the philosophy of our Founding, says Indiana University folklorist Sandra K. Dolby, whose treatise?Self-Help Books: Why Americans Keep Reading Them?takes an anthropological look at these mixtures of case studies and morals?.

And so, living out the Founders? expectations, we undertake our happiness projects, trusting that with hard work?and perhaps a few positive thought vibrations?we can succeed. ?Americans think they can find a way to fix anything,? says Dolby, ?including themselves.?

Source: http://www.mbird.com/2013/01/the-paperback-quest-for-joy-a-self-help-roundup/

Apple Black Friday nfl schedule how to cook a turkey emma stone Frys tryptophan BestBuy.com

Criminal cases made Pa. AG hand over NCAA suit

Pennsylvania Gov. Tom Corbett speaks at a news conference Wednesday, Jan. 2, 2013 in State College, Pa. The NCAA overstepped its authority by imposing hefty sanctions on Penn State University in the wake of the Jerry Sandusky child molestation scandal, Corbett said in announcing a federal lawsuit against the college athletics governing body. (AP Photo/Ralph Wilson)

Pennsylvania Gov. Tom Corbett, center at podium, speaks at a news conference Wednesday, Jan. 2, 2013 in State College, Pa. The NCAA overstepped its authority by imposing hefty sanctions on Penn State University in the wake of the Jerry Sandusky child molestation scandal, Corbett said in announcing a federal lawsuit against the college athletics governing body. (AP Photo/Ralph Wilson)

Pennsylvania Gov. Tom Corbett gestures while speaking at a news conference Wednesday, Jan. 2, 2013 in State College, Pa. The NCAA overstepped its authority by imposing hefty sanctions on Penn State University in the wake of the Jerry Sandusky child molestation scandal, Corbett said in announcing a federal lawsuit against the college athletics governing body. (AP Photo/Ralph Wilson)

HARRISBURG, Pa. (AP) ? Pennsylvania's attorney general said she granted Gov. Tom Corbett the authority to file a federal antitrust lawsuit against the NCAA because the litigation could present a conflict of interest as her office prosecutes three Penn State administrators.

Attorney General Linda Kelly told The Associated Press on Thursday that "an actual conflict of interest could, and likely would, arise if this office were involved in both cases."

Her office is prosecuting Graham Spanier, Gary Schultz and Tim Curley on charges of endangering the welfare of children, obstruction, conspiracy, failure to report suspected child abuse and perjury. Prosecutors claim they illegally covered up complaints and suspicions about Sandusky, a former defensive coordinator who was convicted last summer of 45 counts of child sexual abuse, including attacks inside campus facilities.

Corbett sued the NCAA in federal court on Wednesday, saying a set of penalties imposed against Penn State over its handling of the matter should be thrown out on antitrust grounds. The school agreed to a $60 million fine, a four-year ban on post-season play, a reduction in scholarships and the elimination of more than 100 wins under former coach Joe Paterno.

The size and scope of the criminal case made it "untenable" for the attorney general's office to sue the NCAA, Kelly said.

"Given the serious nature of both these cases, keeping these matters separate is the best course of action for the people of Pennsylvania," she said.

The NCAA has called Corbett's lawsuit meritless and an affront to the victims of Sandusky, who is now serving a 30- to 60-year state prison sentence for abuse of 10 boys over 15 years.

Spanier, forced out as president last year after Sandusky's arrest, remains a faculty member but is on paid leave. Curley is serving out the last year of his contract as athletic director, also on leave. Schultz, the school's vice president for business and finance, has retired.

All three have said they are innocent.

Under state law, the attorney general pursues and defends lawsuits involving most state agencies, but can delegate that power for reasons of efficiency or if it is otherwise deemed to be in the best interests of the state.

Kelly said her office received a request from Corbett's lawyer James D. Schultz on Friday, Dec. 14, for permission to sue the NCAA. Her office granted it three days later, she said. That authority, signed by the chief of her litigation section, can be terminated or amended by the attorney general's office, and it does not cover any appeals.

Kelly, a Republican, was nominated two years ago by Corbett, who left the office midterm after being elected governor.

Her decision drew criticism Thursday from a suburban Philadelphia politician who is considering a run against Corbett in the 2014 GOP primary. Bruce Castor, a Montgomery County commissioner and former district attorney, said the lawsuit appeared to be filed in a rush because Kelly's successor, Democrat Kathleen Kane, is scheduled to be sworn in Jan. 15.

"I can't imagine any circumstances where I would have given up a case of this importance from my office," Castor said. "It would be exciting. It would be challenging. It would be headline-grabbing. It would have all of the elements that I used to think made a case worthwhile of handling, if not by myself, with my staff."

Kane did not respond to a message seeking comment left Thursday for Charlie Lyons, a top aide in her transition.

Walter Cohen, who spent nearly seven years in the attorney general's office, including a year as the attorney general, said he doubted Kane will want to take the case back.

"She's going to be handed a lot of stuff that happened under Linda Kelly, including the Curley and Schultz and Spanier prosecutions," Cohen said. "That itself is a lot to do."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2013-01-03-Penn%20State-Abuse-Lawsuit/id-1c2f25c37d8243b8876b2509ef511e19

dad shoots daughters laptop brandon jennings the vow review luol deng culkin wooly mammoth no child left behind

Nokia?s Lumia 920 remains as expensive as Apple?s iPhone 5

FIRST PERSON | The term "fiscal cliff" has been hovering over Americans, a dark cloud that has cast a shadow over the holiday season. Its potential consequences have caused consumer confidence to dwindle, yet the fiscal cliff hasn't produced too much stress in our household. After all, for the past few years my family has dealt with salary cuts and a depressed economy. As a 33-year-old mom living in Los Angeles, I don't like the financial uncertainty the "cliff" represents. But the deal approved Tuesday night won't make or break my family's finances. ...

Source: http://news.yahoo.com/nokia-lumia-920-remains-expensive-apple-iphone-5-191011942.html

academy awards 2012 albert nobbs a star is born oscar nominees oscar nominations 2012 kombucha tea separation of church and state

Venture capitalists had a tough year in 2012, as acquisition and IPO ...

SAN FRANCISCO -- Venture-backed companies made less cash for their backers last quarter compared with a year ago, capping a year in which the industry came under fire for not delivering hoped-for returns.

Acquisitions of venture-backed companies totaled $3.52 billion in the fourth quarter, down 29 percent from $4.99 billion a year earlier, according to data from Thomson Reuters and the National Venture Capital Association.

For the full year, acquisitions totaled $21.5 billion, down 11 percent from $24.09 billion in 2011. The numbers reflect only companies that disclosed deal values.

Venture-backed companies tapping public markets raised $1.41 billion via initial public offerings in the fourth quarter, down 50 percent from $2.8 billion a year earlier, when gaming company Zynga raised $1 billion in its IPO.

For the full year, venture-backed IPOs totaled $21.45 billion, doubling from $10.69 billion in 2011. But strip away the $16 billion that social-networking company Facebook raised in May and the total actually halved.

The numbers highlight a system that relies on the success of just a handful of high-profile companies. Meanwhile, the vast majority of venture-backed companies delivered fairly moderate returns.

Eight venture-backed companies held IPOs last quarter, compared with 11 a year earlier. About 95

companies were acquired, compared with 122 a year earlier.

The biggest acquisition of the quarter was Cisco Systems (CSCO)' $1.2 billion purchase of wireless-networks company Meraki. The largest IPO of the quarter was human-resources software company Workday, which raised $733 million.

The venture industry has been targeted by criticism that the returns it offers do not justify the years - typically a decade or more - it requires investors to tie up their cash.

In May, the Ewing Marion Kauffman Foundation released a widely read report on venture investing called "We Have Met the Enemy... And He is Us." It slammed the industry for poor returns and business practices, particularly funds that total $500 million or more.

Source: http://www.contracostatimes.com/breaking-news/ci_22298054/venture-capitalists-had-tough-year-2012-acquisition-and?source=rss

rory mcilroy Fatboy Slim Rio de Janeiro Shark Week London 2012 closing ceremony Shark Week 2012 evelyn lozada