Business Finance Essentials for a Real Estate Mortgage Loan | Key ...

Business Finance Essentials for a Real Estate Mortgage Loan

The early process of reviewing business financing alternatives is likely to be confusing for investors most familiar with residential financing requirements. The outcome should be less stressful and more successful by analyzing this article as well as related commercial mortgage and business opportunity financing articles.

There are many critical differences between residential real estate investing and commercial real estate investing. There are over 25 business financing differences, and they will not all be addressed in this business finance article.

With the increasingly chaotic investment climate for residential financing in the United States, more residential real estate investors are exploring commercial real estate and business finance opportunities. It is important for prospective commercial property owners, business owners and business investors to educate themselves about options for the business loan and commercial mortgage environment they will be facing.

Personal Guarantors for Business Opportunity Financing and Commercial Loan -

Even though a business is held under corporate ownership, a personal guarantee from the principal owners is routinely required for a commercial mortgage or business loan. This also means that credit scores of the individual business owners will be used as one of the factors to qualify for a commercial loan. Typically a personal guarantee for a commercial loan is required for owners with over a 20% ownership interest.

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Down Payment Requirements for Business Financing -

To purchase a business will typically require a business loan down payment varying from 10% to 25% (more in some cases). The type of business, credit scores and business experience will have an impact on the amount required for a down payment.

Stated Income Business Finance Possibilities -

Stated income business loan options will eliminate the need for a borrower to provide personal tax returns. However the stated income business finance approach will not eliminate the need to document income for the business being purchased or refinanced. Unlike residential financing, no documentation (no doc) loans are not available for a commercial mortgage.

Commercial Mortgage and Business Opportunity Financing: Size Limitations -

It is very difficult to obtain a commercial mortgage less than 0,000. A normal maximum for a stated income business loan and SBA loan situations is million. A number of other business finance programs are limited to million.

Appraisals for a Commercial Mortgage or Business Opportunity Financing -

Commercial real estate appraisals are much more expensive and complex than residential appraisals and typically take several weeks to complete. Commercial mortgage and business loan value is based primarily on income rather than comparison with other properties that is so common with residential financing.

Business Financing Interest Rates -

Interest rates for a business loan are generally higher than residential financing and rates up to 13% and even higher are possible. Investors will find both variable and fixed interest rates available from many commercial mortgage sources. Business opportunity financing typically has interest rates 1-3% higher than a comparable commercial real estate loan situation.

Other Important Business Finance Differences -

As noted previously, there are too many differences between residential financing and business finance situations to describe adequately in one article. Some of the critical issues discussed in separate reports are how to avoid common business loan problems, SBA loan financing, balloon and recall provisions for a commercial mortgage, business opportunity financing and special purpose commercial properties.

Related Real Estate Mortgages Articles

Source: http://www.homesofthekeys.com/blog/real-estate/business-finance-essentials-for-a-real-estate-mortgage-loan/

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Lewis gone, but telethon brings in more than '10

This photo provided by Muscular Dystrophy Association, The 46th annual Muscular Dystrophy Association telethon co-hosts, from left to right, Nancy O?Dell, Jann Carl, Nigel Lythgoe and Alison Sweeney ad-lib personal salutes to Jerry Lewis, Sunday, Sept. 4, 2011, in Las Vegas. The hosts of the telethon say Jerry Lewis has retired from the yearly fundraiser, the organization's first comments since announcing the beloved icon's departure last month. (AP Photo/MDA, Richard Cartwright)

This photo provided by Muscular Dystrophy Association, The 46th annual Muscular Dystrophy Association telethon co-hosts, from left to right, Nancy O?Dell, Jann Carl, Nigel Lythgoe and Alison Sweeney ad-lib personal salutes to Jerry Lewis, Sunday, Sept. 4, 2011, in Las Vegas. The hosts of the telethon say Jerry Lewis has retired from the yearly fundraiser, the organization's first comments since announcing the beloved icon's departure last month. (AP Photo/MDA, Richard Cartwright)

FILE - In this Sept. 6, 1999 file photo, Jerry Lewis sings "You'll Never Walk Alone" as his final song of the 1999 Jerry Lewis Muscular Dystrophy Association Telethon in Los Angeles. The hosts of the 46th annual Muscular Dystrophy Association telethon say Jerry Lewis retired from the yearly fundraiser , the organization's first comments since announcing the beloved icon's departure last month. Co-host Nigel Lythgoe said during his opening comments on the telethon that he didn't realize Lewis was thinking about retirement during the show last year, when the comedian offered Lythgoe his seat during a break in the fundraiser. (AP Photo/Muscular Dystrophy Association, Jay LaPrete, file)

(AP) ? Even without Jerry Lewis, the Muscular Dystrophy Association telethon posted its best gain since the recession started, though the program's longtime host was on the minds of many during the 46th annual fundraiser.

"American Idol" executive producer Nigel Lythgoe said after co-hosting Sunday's program that he's sorry the famed comedian didn't participate, but the organization needs to move on to ensure the fundraiser continues.

The telethon raised nearly $61.5 million Sunday, an increase of about $2.6 million over last year, MDA officials said.

Lythgoe told The Associated Press minutes after the six-hour live broadcast ended on the east coast that he thought the 85-year-old actor would show up either during the telecast or earlier to film a taped segment of his signature song "You'll Never Walk Alone."

"I was fully expecting him to turn up at any point and join that six hours ? and I'm sorry he didn't," Lythgoe told the AP. "And hopefully another year he might. I mean, he knows that he is always welcome on the telethon. It's his baby."

An orchestra was ready to film Lewis, but he didn't come to the Las Vegas casino where the telethon was filmed, Lythgoe said.

Lewis publicist Candi Cazau declined comment when reached by the AP. Earlier, she said Lewis never agreed to any appearance ? recorded or live ? after the MDA announced in August he wouldn't take part in the show or be its chairman.

Lythgoe and co-host Jann Carl said during the show that Lewis "retired."

Lewis has not publicly said why he is no longer chairman of the MDA, or why he didn't personally appear in this year's telethon. The co-hosts' remarks during the show were the first time the MDA has addressed Lewis' departure since it was announced, and telethon spokesman Jim Brown declined further comment about the split.

Lewis' absence ended a 45-year run in which he raised $1.66 billion.

The fundraiser raised $58.9 million last year, but was shortened this year from 21? hours.

Brown said early Monday that this year's donations increased to nearly $61.5 million, the MDA's best showing since 2008 when the recession started.

"The tremendous success of the telethon, even in a tough economy where some communities are also being challenged by natural disasters, shows that America understands and appreciates the truly rapid progress being made by MDA-funded researchers worldwide," R. Rodney Howell, M.D., chairman of the MDA Board of Directors, said in a statement.

Lythgoe said he and other telethon hosts knew Lewis ? a man inextricably bonded to the telethon ? would be a presence even in a show that never included his voice.

"There appeared to be an elephant in the room, and it's one that you go talk about," Lythgoe said. "This guy is someone who's put this whole thing together."

Buy Lythgoe said the telethon and cause can't center around one man ? even Lewis.

"It has to continue without him and we are going to need a lot of help from everybody to ensure that it does continue," Lythgoe said. "Because Jerry, bless him, is 85 and isn't going to be around forever anyway. And the MDA and this telethon has to continue."

The Lewis-less telethon began airing live on the east coast Sunday night with an opening number featuring young dancers performing to David Guetta's "Titanium," with an introduction from Abbey Umali, the organization's tween goodwill ambassador.

Lythgoe, Carl and co-hosts Nancy O'Dell and Alison Sweeney then spent five minutes after being introduced talking about Lewis and his lifelong legacy felt by the telethon, the MDA and everyone who participates in the charity's pushes for neuromuscular research, clinics and summer camps for youngsters known as "Jerry's Kids."

Lythgoe said during his opening comments that Lewis, 85, seemed to be passing the torch last year when the comedian offered Lythgoe his seat as Lewis took a break and Lythgoe was coming on the air

"And Jerry, and I know you're watching, when you gave me that chair I know it's possible to sit on it, but it's isn't possible, Jerry, to replace you, sir," he said.

Later in the show's first hour, superstar singer Celine Dion mentioned Lewis again during a taped segment, referring to him as a friend as she introduced a cover performance of Journey's "Open Arms."

Other celebrities briefly mentioned Lewis throughout the show during cameos sprinkled between a variety of performances, interviews with people touched by muscular diseases and suit-clad corporate representatives touting company philanthropy and partnerships with the MDA.

Just before the show's closing, a two-minute montage over piano music showed Lewis dancing, singing, mingling with famous faces and interviewing children ? though he was never heard.

It was a stark contrast from previous years, when the show was as much about Lewis at center stage as the donations themselves.

As the program aired, many viewers openly wondered on Twitter and other social networks about how the show would be affected by the split.

Randy Duncan, a 45-year-old pastor from Westland, Mich., said he tuned in for about two minutes, but stopped watching and instead switched between Detroit Tigers baseball and an airing of "Star Wars." He said the show had lost the nostalgic touches that reminded him of raising money for the MDA with neighbors through backyard carnivals when he was a kid.

"The way they handled it just gave me no interest," Duncan said. "At least give him one more shot, let him go out with style."

Instead, the telethon was an unceremonious end to a six-decade association that forged one of the world's most famous annual TV moments.

Lewis, who's appeared in scores of films and TV shows as well as produced, directed and taught film, had been chairman of the MDA since the early 1950s, before the famed telethon began. In 1977, Lewis was nominated for a Nobel Peace Prize for his work with the telethon and the MDA.

In May, when the MDA first announced Lewis was retiring as host, the organization said he would stay on as chairman and still appear on the show. It released a statement from Lewis in which the comedian said he would sing the song that has become an annual tradition.

But the statement said Lewis wouldn't step down as chairman.

"I'll never desert MDA and my kids," he said.

The finale was a medley of patriotic songs featuring Jordin Sparks, Jon Secada and Maureen McGovern, among others, singing along with 70 children from a Las Vegas choir.

In the show's final moments, Lythgoe said; "We missed you, Jerry."

Lythgoe said he didn't know the details of Lewis' split with the MDA. But he said he knew Lewis was watching.

"As far as I'm aware, this was all with Jerry's blessing," he said.

___

Oskar Garcia can be reached at http://twitter.com/oskargarcia.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2011-09-05-MDA%20Telethon-Lewis/id-9237c96444fd45a89453f0bb01264b7f

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Katia regains hurricane status far off in Atlantic

The National Hurricane Center says Katia has regained hurricane status in the open Atlantic.

Hurricane specialist Robbie Berg said Sunday that Katia has cycled on and off between tropical storm and hurricane status. He says the storm strengthened recently and now has maximum sustained winds of about 75 mph (121 kph), the lowest-level Category 1 storm.

At 5 a.m. EDT Sunday, Katia's center was about 370 miles (600 km) northeast of the Northern Leeward Islands and it was moving 12 mph (19 kph) to the northwest.

Berg says Katia poses no threat to land over the next 48 hours, but he urged those on the East Coast and in Bermuda to keep an eye on it.

Source: http://www.msnbc.msn.com/id/44390678/ns/weather/

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Nature With Love | The Effect Of Love And Beauty In Our Relationships

The inlet of love may be good reflected in the margin of beauty. Beauty is in the eyes of the beholder. If someone is beautiful, do you only drop in love with them? You might be considering that you have never met your essence partner but if heavens could talk, you will be repelled to noticed that that you transfered them by only since you think they had enlarged nose. In many scenarios, people in the lives turn assumingly pleasing when we blossom to love them. Do you love your partner since she/he is pleasing or is she/he pleasing since you love them? Love and beauty are inseparable subjects and you cannot speak of a without featuring the other. Our the public is inequitable and teaches us to love the pleasing people more.

We revere pleasing stars from Hollywood and they someway turn the core of the world. To come after in dating you contingency always fist in beauty even where it does not feature. You contingency say the bride is beautiful. These are authorised lies and it is a necessity to be able to find love. Hope you right away comprehend that love and beauty will always go together. It might be loyal since every bride is pleasing in the eyes of her husband but in many of the time it is a beauty of the moment. When people are obtain married, they apprehension of getting aged and losing the beauty. Young is pleasing and if you are trustworthy to human who values beauty,he might flop to see you pleasing when you are aged and grey.

To someone who loves you, you will always look pleasing in their eyes. Beauty has befuddled many people and misled them in the way of anticipating their loyal essence mates. If you prioritize often on earthy beauty you may pass the black of you life and finish up kissing so many frogs in vain. Love and beauty are intertwined since you cannot live with someone you impute as not-good seeking but you contingency set your goals right to be able to find a lover who suits you best. Your partner might not be strikingly pleasing but might be having a heart of gold. Always look over the earthy look and you will always find other popular things. Love usually stems from affability and if a person is ready to give they will share all have with you and that is what we call real love.

It is really severe to love somebody you know you ought to. When a parent and a daughter are distant for sixteen years when they re-unite, it is hard to come clean their love for any other but if they provide any other with affability with time they will blossom to love any other with no strain. If you love someone since they are beautiful, you may have problems with treating them right. In many of the cases they might not even be your essence mate. In a incident where your partner is pleasing and there is love, you are fortunate to suffer love and beauty at the same time.

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Source: http://bestmakeup.biz/lose_weight/nature-with-love-the-effect-of-love-and-beauty-in-our-relationships/

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PYST Home Business Tutorial Branding you branding your website ...

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HK's schooling woes dim city's role as financial hub (Reuters)

HONG KONG (Reuters) ? As global companies expand in Asia, financial hubs such as Hong Kong are suffering a shortage of international school places that may blunt the city's competitive edge against regional rivals including Singapore.

International schools across Hong Kong are reporting record applications and lengthy waiting lists, prices of school debentures to guarantee places have soared and foreign business chambers are warning the situation is becoming critical.

"You can't imagine the difficulty until you physically get here," said Fiona Hunt, a British mother of two who recently moved to Hong Kong with her husband, a financial services professional. "You hear the stories day in and day out of all the people who have to go back home because they literally can't find a place for their child."

As a low-tax commercial gateway to China with some 36,000 international school spots, Hong Kong has faced cyclical shortages in the past. Indications suggest the current crunch, especially for primary school spots in top schools, is especially acute.

In April, a survey by the Canadian Chamber of Commerce in Hong Kong noted "the inability to readily access a high-quality international standard education is detrimentally affecting businesses across Hong Kong." Some companies are even going so far as to limit staff hires to single or childless candidates.

"There's been a huge increase in applications pretty consistently over the last three or four years," said Heather Du Quesnay, the chief executive of the English Schools Foundation (ESF), one of Asia's largest international school providers with around 16,000 students in 21 schools across Hong Kong.

"The pressure's huge and just managing the disappointment of parents is very demanding," she said.

High annual school fees in Hong Kong ranging from $23,100 at the Hong Kong International School to $12,500 for an ESF secondary school place and debentures of up to HK$10 million ($1.3 million) at the Kellett School haven't dented demand.

While waiting lists are often swollen by families making multiple applications, most kids do eventually find places even if they are not in the preferred schools.

Relocation experts say however, the uncertainty and stress are causing more and more expatriates to simply choose other cities for the sake of their kids.

ASIA GROWTH

With Asia already the fastest-growing international school market in the world, the necessity of building more private schools will only grow as the region gains in affluence and economic clout.

Major cities such as Hong Kong, Singapore, Shanghai and Tokyo are scrambling to attract and retain top global talent in sectors including banking and professional services as Western economies struggle and investment streams east.

This tug-of-war for talent makes it imperative for cities to provide broader lifestyle incentives for globally mobile executives to stay.

"At the moment we're seeing quite a few issues with regards to Europe and the U.S.," said Richie Holliday with Morgan McKinley, a recruitment consultancy.

"A lot of candidates are expressing a lot more interest in Asia. There's a lot of growth here. There's double-digit growth continually coming out of China. We have a lot of new wealth in the region which is driving investment in asset management."

Asia, with around half the world's total of nearly 6,000 international schools, is expected to drive growth in this sector in the next few years with school numbers expected to almost double globally by 2020 as demand surges, particularly amongst Asians opting for a broader, bilingual education.

"Almost two-thirds of the growth in schools and student numbers continues to be in Asia," said Nicholas Brummitt, who heads ISC Research, which tracks the sector. "Greatest demand continues to come from increasingly wealthy families in Asia (and) the Middle East."

To tap the booming multi-billion dollar industry, a slew of prominent U.S. and U.K. schools are establishing Asia campuses. These include Wellington College in China, Branksome Hall in South Korea, Dulwich College in Abu Dhabi, Epsom College in Malaysia, Harrow in Hong Kong and even a Haileybury in Kazakhstan.

Singapore, which vies with Hong Kong as a financial center, has also struggled to cater to swelling demand for places at international schools in the city state.

But with locals largely barred from enrolling in international schools and local schools offering schooling in English and Chinese anyhow, its seen to be far more receptive to the schooling needs of foreigners than Hong Kong.

HONG KONG VS SINGAPORE

Singapore's tight supply is also expected to ease with the opening of new sites, including the launch of a second campus by the popular United World College that charges around $25,000 in tuition fees per year, while Cognitas, a U.K. education group, will open a 2,750 place school next year.

In space-starved Hong Kong, where land is among the most expensive in the world, the government says it is trying to ease the supply bottleneck by allocating new greenfield sites and buildings that will create 5,000 school places in the next few years.

Some say the government needs to do more, particularly with the former British colony's business allure already hit by high property and rental costs, along with poor air pollution.

As Hong Kong drags its feet, the governments of Malaysia, Thailand and South Korea are gearing up to become educational hubs. Malaysia for example, is developing Iskander EduCity near Singapore, which has attracted major investment from Raffles Education Corp, one of Asia's largest private education groups.

"It's critical. If you don't get that right or if we can't offer that to people considering coming to Hong Kong, they'll go to Singapore, they'll go to Shanghai, or they'll stay put, so it's an absolute deal-breaker," Robert Chipman, head of Hong Kong's American Chamber of Commerce, told Reuters Insider TV.

"School spaces is such an important (factor) because it acts almost like a trump card. If you can't do it, then the rest of the hand doesn't make any difference. It's extremely important."

For the Mullins, a British family living in a breezy Hong Kong beachfront neighborhood, the stresses of finding a school for older son Harry meant they are taking no chances with newborn Jake and are putting him straight on a waiting list.

"It sounds crazy to plan it that far in advance," said father Daniel Mullin.

"(But) if you don't and you leave it to the last minute, then he stands literally no chance of getting in anywhere," his wife Cathryn added.

(Additional reporting by Kevin Lim in SINGAPORE; Editing by Matt Driskill)

Source: http://us.rd.yahoo.com/dailynews/rss/education/*http%3A//news.yahoo.com/s/nm/20110905/bs_nm/us_hongkong_schools

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