Finance, , , , , " />

ALL DD ROOM
World News, Technology, Entertainment, Sports, Lifestyle, Gaming, Business, Automotive

Personal Finance Tips : Financial Management Goals

Having financial management goals is important, because it allows the investor to make informed financial decisions that must be made in order to hit those goals. Understand the two goals of financial management through the tips and advice from an experienced businessman in this free video. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the …


Posted by finance@blog on September 15th, 2009 :: Filed under Finance Tips
Tags :: , , , , ,

Small Business Tips : Small Business Employee Training

Employee training for small businesses is crucial for the best possible results. Train small business employees with tips from a business consultant in this free small business video. Expert: Daniel Diener Contact: www.bscusa.com Bio: Daniel Diener is a co-owner of the Business Success Center in Central Texas and has been helping businesses for over 25 years. Filmmaker: Demand Media


Posted by finance@blog on September 10th, 2009 :: Filed under Business Tips
Tags :: , , , ,

Church Financing Loans with Low Recourse Loans

Financing, Loans and Commercial Finance for Churches at Church-Financing.com.

Nearly all Churches necessitate the need of a commercial real estate financing. The financial sources for real and substantial estate includes: Regional banks, Private investors, Insurance companies, Saving and Loan institutions and Mortgage banking firms. First let’s touch on the obstacles that occur during the process of acquiring the church mortgage loans & church financing.

The Major Church Financing Difficulties:
(1) Church properties are unique and so, for this reason Lenders have a great apprehension regarding this matter because if the loans are not paid within a stipulated time, Lenders will be accounted for it. They have to assume ownership of the property. Owing to unique property features, it is not going to be easy to come across a new owner.
(2) For getting the hold of church loans, Lenders often entail the need of “personal guarantors” especially on account of prior observation with reference to the complexities that are involved in selling the church property again.
(3) When the church financing needs are attained, there are many objectionable terms that get exist. Such as: Minute amount of loans, low loan-to-value (LTV) of 50% to 60%, short-period time of loans and rates of high interest. By this, churches get many possibilities to face the countless financial difficulties.
(4) More than Purchasing and/or Refinancing, Church Financing, Church Construction Loans, Church Renovation and Land acquisition loans are considered as more intricate to deal with. Therefore, needed repairs are delayed for an indefinite period and new churches take lots of years to become a reality.

The Practical Solutions for the Problems which have been Issued above are:
(1) High LTV: High LTV of 75% to 85% would generate a realistic amount of about 15% to 25% that can be utilized for the purpose of down payment or non-financed portion in refinancing.(2) Long-term loans: To make the church financing more successful, rather than short-term, church financing should be of a long term, i.e. up to at least time period of 30 years.
(3) Non-Recourse Loans: Being reluctant towards individual guarantors fetches a non-traditional church lender. And than through this approach, church lending will no more rely on individual guarantors for the church financing.(4) Large sum of Loan: Ability to accommodate large church loan needs, at least of $500,000. This move would than persuade churches to finish their most business financing in one stage rather than by going through many stages.
(5) Low interest rates: Churches are being charged with the sky-scraping interest rates than it is actually required. Church financing payments can be phenomenally reduced if the payments are restricted to prime plus 1% or less than that. As a result, long-term church loan as well as decrease in overall payment will improve the church cash flow considerably.

For more detail log on to www.church-financing.com. Church Financing is a church loan division of Griffin Capital Funding offers church financing and loans with no personal guarantees, favorable rates and good terms.

Church-Financing.com is an recognized as one of the nation?s largest and most well respected Church financing companies. We provide financing, loans, mortgage for Churches.


Posted by finance@blog on September 7th, 2009 :: Filed under Finance Loans
Tags :: , , ,

5 More Job Tips – How to Find a Great New Job

In Part 1 “Laying the Groundwork” You did some soul searching created some lists – ending up with a list of marketable skills. Got that in front of you now? Good.

Job Tip # 1:  Narrow your Search

Now you need to match those skills with the kinds of jobs that will pay for them. Keep in mind there are lots of skills that transfer well to other jobs. For example:

I once ran across someone who helped her husband build a Real Estate brokerage. After 5 years, he left her and filed for divorce. She was devastated and jobless. Her instinct was to limit herself to real estate work but her skills took her far beyond that.
She was great at marketing and could use those skills for any small business.
She could manage any office – especially personal service types like insurance and investment fields.
She could set appointments. Do phone work, web design, handle advertising, bookkeeping and a host of other tasks.

The question she should have been asking  is… which of those valuable skills does she want to offer and to whom?

Do a bit of brainstorming to come up with some kinds of jobs that may need the skills you have to offer.

At the end of this article you’ll find a link to a resource page to help you match those skills to specific job descriptions if you get stuck.

Job Tip #2: Set Your Sights

By now, you should have a list of the kinds of jobs available. Next, make a list of potential employers. Again you want your list to be as broad as possible and include as many potential employers as you can.

After you’ve drawn up a list as extensive as possible – you should arrange them from most desirable to least. Don’t worry – you need not write the list in stone so you can always change the order… or even cross some employers off entirely if you like.

Job Tip #3:  Interview Prospective Employers

From the list of potential employers, you want to narrow down your search again to a short list of potential employers. Forget about job postings. You are going after the job you want – “job openings”.

Decide what companies you want to work for and why. Make sure you know what you like about these companies. Keep your eyes wide open here. Not even the “Best Place to Work in America” is perfect.

Now order your list from the most desirable to the least. Start at the top and begin your research. You want to know as much about the position as you can.

Talk to people working in the department. What’s it like working in this position. What do you like about this company? How does it compare to other companies?

Talk to the department head. Ask him/her about job duties, work environment, expectations.  Your purpose is not to ask about a job but to research the kind of position you want to pursue.

If they are “not hiring” then find out if they anticipate an opening and if so when? Ask about the industry in general – is there a demand for skilled people? Is the demand expected to increase to decrease? Why?

Remain undaunted if they claim to have no openings right now. Most any decent ompany wants to grow. Growth means expansion and expansion means jobs.

If there is any interest in your skills at all, ask the department head they would like to see your resume and offer to submit it to their human resources department. (Or if they are small – right to the person you are talking too!) If they say “yes”, submit the resume with a sticky note saying “Ms. X said she wanted to see this when you got it” or something so they are sure to forward it.

Job Tip #4: Tailor Your Cover Letter and Resume

When submitting your cover letter and resume – be sure to focus on the skills they are looking for. If they want someone to answer the phones – emphasize your phone skills! If they don’t mention typing skills, it may not matter how great yours are.

For each job you decide to go after – you should have a resume and cover letter targeted for the requirements of that position. Make sure the employer sees up front that you have exactly what they are looking for!

At this point if you find yourself explaining why they should consider you in spite of your shortcomings – it may be time to recopied your qualifications.

Remember – the point here is to target jobs you are highly qualified for. If you find yourself lacking skills then you should either adjust your focus or improve your skill set.

Job Tip #5: Make the Wheel Squeak

Be sure to follow up with a thank you card and a phone call. While you don’t want to become a pest, make it clear you want to work for this company and why.

If you know anyone who works for the company then they may be able to give the inside scoop on news. The more information you can get the better. Stay patient. The more desirable the company and the job, the willing you should be to bide your time.

Landing the exact job you want may not be easy but the payoff is worth some extra effort. As a bonus, this extra work may pay off with some surprising rewards you never thought possible.

You may find the company you were originally high on isn’t all that. BUT there’s a position open now at an even better firm. Plus once you can present a knowledge and enthusiastic prospect to a potential employer – you can suddenly find yourself as a “hot property”.

The employer may be willing to go all out to bag a trophy employee – you!

Remember this ball started rolling because you decided to pursue something you would enjoy doing instead of settling for “whatever”.  In the end you will be happier and your new employer will be overjoyed to have an enthusiastic employee who really wants to be there.

Did you miss Part 1? Read 5 Job Tips – How to Find a GREAT New Job here…

Check out the Find and Land a GREAT Job resource page here…

There’s no reason you should be embarrassed about job hunting failures anymore. Get the information you need to find the job you want. Download my FREE report – “7 Steps to Landing the Best Job of Your Life – Even in a Recession” Download the free report now.


Posted by finance@blog on September 5th, 2009 :: Filed under Business Tips
Tags :: , , , ,