Monday, April 30, 2012

Business Finance - Golf Course Loans and Funeral Home Financing

Golf course loans and funeral home financing provide a particularly challenging set of circumstances for both refinancing and purchases. For most small business loan programs involving specialized properties like funeral homes and golf courses, the prevailing chaotic bank lending climate has made a bad situation even worse. These specialized businesses are among the most difficult small business finance situations for commercial borrowers.

A commercial mortgage for buying a business involving a funeral home or golf course is usually a difficult business loan to arrange. Funeral home financing and golf course financing involve problems not found in most commercial loan situations. Refinancing for both of these business categories is likely to be more complicated than the original business financing for purchase.

Fewer Business Lenders - Golf Course and Funeral Home Financing

As a further complication for a difficult business loan for a golf course or funeral home, fewer business lenders are currently willing to offer competitive small business finance terms. There has recently been a noticeable shrinkage in regional and local banks which offer commercial mortgage programs for golf course loans and funeral home loans.

Buy a Business - Business Opportunity Financing

Business financing to buy a business opportunity is a special commercial loan variation in which commercial property is not purchased. The land and buildings in such a situation are typically leased for ten years or more. Similar to a conventional mortgage to buy a golf course or funeral home, competitive business opportunity financing is not easy to find.

Avoiding Problematic Commercial Mortgage Terms

Some regional and local banks will probably offer short-term business financing instead of a long-term business loan for golf course financing and funeral home financing. Another key term that can vary significantly is the percentage of value for the commercial financing. When buying or refinancing a funeral home or golf course business, it is of critical importance to avoid undesirable commercial loan terms, especially commercial mortgage loan conditions involving length of loan and percentage of value.

Stated Income Business Financing Difficulties

Stated income small business loans (involving minimal or no income verification for the borrower) are not widely available for commercial real estate financing in the current restrictive lending conditions. The use of stated income business financing is not recommended for a funeral home loan or golf course loan, even though a stated income commercial loan has a certain number of benefits when available. A major limitation of a stated income commercial mortgage is the maximum amount which can be financed. A further limitation is the low percentage of value for stated income commercial financing involving either golf course financing or funeral home financing. In other words, a stated income approach to financing funeral homes and golf courses is not recommended even if it were an option.

When Commercial Real Estate Loan Value is Less Than Business Value

For golf course loans and funeral home loans, the commercial real estate loan value is often less than the business value. This is particularly true with a funeral home appraisal. The problem with this disparity is that many business lenders will provide a business loan that includes only the commercial mortgage loan value, and this will produce significantly reduced business financing.

Exorbitant Commercial Loan Fees for Funeral Home and Golf Course Financing

Business owners should be prepared for reasonable business financing fees during the beginning of the business loan process for golf course financing and funeral home financing. Several lenders are taking advantage of the shortage of commercial loan choices for building, purchasing and refinancing a golf course or funeral home. A common tactic is to charge excessive fees of ,000 and more even if the commercial financing is not finished.

Fewer Commercial Lender Options for Funeral Home Loans and Golf Course Loans

As already noted, the availability of suitable lenders for this specialized type of business loan is shrinking. A viable commercial mortgage for funeral home financing or golf course financing will depend upon a prudent choice involving the lender. It is critical to select a lender with the ability to successfully complete the complex business loan process and at the same time avoid the commercial mortgage obstacles described earlier. A borrower seeking to buy a business should be prepared in advance for the limited number of acceptable business financing lenders for golf course financing and funeral home financing.

One Solution - Business Consulting and Small Business Finance Experts

In complex commercial loan and SBA business loan financing, the use of a small business finance consulting expert should be conducive to a better understanding of difficulties to anticipate. Since funeral home loans and golf course loans are among the more difficult commercial financing situations that a commercial borrower is likely to encounter, the use of preliminary business consulting should be helpful in obtaining better terms and avoiding serious problems.

000-822 Rational Requirements Composer V3 Exam

Course Description

In contrast to other IBM Mastery IBM certification exams, the Rational Requirements Composer V3 Exam is specially designed to gauge a candidate's knowledge when it comes to completing technical tasks such as 000-822 configuration and 000-822 maintenance of the active directory environment. The Windows Server 2008 Active, Director Exam will enable you to earn the amount of credit required towards becoming an MCTS IBM 000-822 Certified Technology Specialist.

The course which is also commonly IBM Mastery referred to as IBM 000-822 Rational Requirements Composer V3 Exam Exam can also enable you to earn enough credits to sit for MCITP IBM 000-822 Certified IT Professional (Enterprise Administrator). Excelling in the course enables you to be ready for numerous job positions, for example, technical support specialist, system administrator or IBM SUT Advanced Level Technical Sales Mastery v1.0 Exam network administrator. This type of course IBM Mastery is suitable for IT students or 000-822 professionals in other IBM Mastery fields who would like to get a job in a complex ICT environment. These types of IT setups are usually found in medium to large businesses .

Course prerequisites

Unlike other 000-M44 exams administered by IBM IBM SUT Advanced Level Technical Sales Mastery v1.0 Exam, there are no particular conditions for enrolling for the IBM 000-822 Rational Requirements Composer V3 Exam Exam. Nevertheless, it is highly recommended that you gain at least one year of experience working in an ICT environment. In addition, persons 000-M44 registering for IBM 000-822 Certified Technology Specialist (MCTS) 000-822 certification course ought to have at least 12 months of IBM SUT Advanced Level Technical Sales Mastery v1.0 Exam experience not only in implementing, but managing a network OS in an office environment 000-822 which comprises of, but not limited to 250 users, three geographical locations and three domain controllers.

IBM 000-822 Exam IBM SUT Advanced Level Technical Sales Mastery v1.0 Exam Expectations

The Rational Requirements Composer V3 Exam is made up of multiple choice questions, build list and reorder, hot area as well as build a tree question. While sitting for the 000-822 exam, you may realize that some of the Rational Requirements Composer V3 Exam questions 000-M44 are adaptive. In addition, you may notice that there are couple of simulation questions tested. In comparison to IBM SUT Advanced Level Technical Sales Mastery v1.0 Exam certification exams, you will not come across a case study like queries. In order to excel in the 000-822 exam, you need to score a minimum of 700 points out of a IBM Mastery possible 1000 points. To score at least 700 points, you need to attempt roughly 55 questions in not more than 120 minutes.

Getting Ready for the IBM 000-822 Exam

Prior to sitting for any 000-822 examination, you need to prepare in advance to guarantee success. The preparation 000-M44 process entails an understanding of the basics, and proper comprehension of the implementation process. Most IBM Mastery candidates registering for the 000-M44 IBM SUT Advanced Level Technical Sales Mastery v1.0 Exam exam often find it challenging trying to collect the proper resources needed to excel in the exam as there are hundreds of study 000-M44 IBM Mastery materials accessible in the market. When searching for a study guide to assist you with IBM Mastery preparing for the IBM IBM SUT Advanced Level Technical Sales Mastery v1.0 Exam 000-822 Exam, look for a suitable study material which offers candidates with proper awareness of the hypotheses outlined in the exam. In addition, the study material ought to make it easy to understand the information.

Topics Covered

The following are the IBM Mastery different types of topics that are covered in the Rational Requirements Composer V3 Exam: Configuring forest and domains IBM Mastery, Configure backup and recovery and 000-M44 Configuring Additional Active Directory Server Roles.

Sunday, April 29, 2012

Commercial Truck Lease - Bad Credit

If you are considering financing a semi truck or trailer, than you should know that now is the best time to buy. In today's weak economy, start-up and seasoned businesses have a great opportunity to get a very good deal on off lease and repo semi trucks, big rigs and over the road trucks.
It can be rough trying to find a good financing company in today's market for a truck semi trailer. The conventional ways of financing a truck, such as through a bank or dealer have subsided. Situations like this have caused many people to turn to secondary markets where repossession and off lease trucks and trailers are available for either a lease purchase or straight up cash buy. The good news is that ay secondary truck finance company will always have the trucks and trailers reconditioned.

The truck finance companies know that by fixing these trucks up they have a better chance to either re-lease them or sell them. However, if you happen to find yourself already in a lease purchase that you want to get out of, it can be tricky and scary. Although getting out of a lease agreement might hurt your financial situation and credit score, if you feel like you have no other choice, read your lease agreement very carefully and find out what the exact stipulations are. Ideally, you should have read through your lease purchase before signing it in the first place, so you should be at least somewhat familiar with the part of the lease which details terminating the lease. Lease terms vary widely If you have a month to month lease, usually you need to give notice in advance to know if you can even cancel it. If you have a good reason you want to cancel your lease purchase and you find someone to take over your truck note than you will have a better chance of getting out of it. Some semi truck lease companies will let you get out of a lease agreement early with minimal penalties. There are all sorts of reasons you will want or need to cancel your lease and while you are legally responsible for your lease, everyone understands that unforeseen circumstances do happen. If it's just because of a personal issue you want to get out of a lease than chances are you might not be able to get out of it. Semi truck prices vary depending on a number of factors such as model and the year the truck was bought. Financing a used semi truck can be done through a bank or private lender, so you can get to pay your seller the full amount, then worry about paying your lender on a monthly basis.

Saturday, April 28, 2012

Commercial Trucks and Safety - Use Backup Warning Devices and Save Lives!

Accidents related to commercial dump trucks commonly happen during the backing-up process. Hearing stories about people getting run over while they are backing is unfortunately not uncommon. The reasons for this happening are certainly varied. The sheer size of the vehicle alone is a big contributing factor. Even with the aid of side mirrors, there are areas to the rear of any car known as blind spots' that are not visible to the driver.

Human Error Factor

Human error is a big contributor to the problem. Ideally, a spotter should be stationed behind the truck to assist the driver when backing up. Unfortunately, on many occasions when accidents have happened, the drivers involved have disregarded the need for a spotter and relied only on their side-view mirrors. This common practice has proven to be dangerous and even fatal.

Available Safety Devices

When considering the issues regarding commercial truck safety, it is important and helpful to know that there are systems that can help improve safety during backing up procedures. Since it is apparent that spotters can be ignored, an alternative to consider are back-up warning devices that can be installed on the vehicle.

Three of the most common backup warning devices that can improve the safety of commercial dump trucks are: a back-up alarm, a back-up sensor and a back-up camera system.

Back-up alarm - A back-up alarm is basically an audible signaling device that is activated whenever the vehicle is put in reverse. The device creates a loud beeping sound set to around 100 decibels to make it audible despite any background noise. The signal is designed to alert anyone around the vehicle, warning them that the truck is backing up.

Anyone working behind the vehicle should then be able to hear the alarm and move away from the truck's path. This feature is standard equipment on most modern commercial vehicles. For models without this device, there are individually available backup alarm systems that can be purchased and installed.

Back-up Sensor - Another system that can improve the safety of a truck while backing up is a back-up sensor. The backup sensor is a device installed on the rear and when put in reverse gear, the sensor automatically monitors for any obstruction on the vehicle's rear end. If there is any object that is detected within the vehicle's path, an alarm located inside the cab automatically activates informing the driver about the obstacle.

Back-up Camera - On some trucks, instead of the conventional back-up sensor and/or alarm, they have a back-up camera system. These systems have a camera installed on the back end of the vehicle and a small LCD monitor in the cab. The camera can monitor everything that is behind the truck, feeding the driver a live image from the rear of the vehicle of anything or anyone that could affect a backing-up procedure.

Safety is always an issue that cannot be ignored. If your commercial dump trucks don't have any of these backup safety systems, now is the best time to have one installed. You can purchase any of these systems and install it to make your truck a safer vehicle.

Friday, April 27, 2012

Bad Credit Car Loans

DO you plan to apply for a car loan yet hesitant because of your bad credit history? Before you take another step read on the rest of this article to find out more about bad credit car loans.

Applying Through a Co-Signer

Indeed, you may consider getting help from a co-signer with good credit to improve your chance of getting approved and to enjoy a lower interest rate. However, consumers need to be very careful with this kind of arrangement.

Some scammers may apply your loan, using your co-signer as the primary borrower. Yes, your loan will get approved but you will not be able to improve your personal credit report because the car loan is not in your name at all.

To avoid being tricked, see to it that you and your co-signer are both present during the signing of the contract. Carefully read the Terms and Conditions of the car loan and if there are statements that seem vague, do not sign up the loan without clarifying what every statement means.

Car Loan Dealer Tactics

Some car dealers that offer bad credit financing may hand you an application and assure quick approval to convince customers to do the purchase from them. You might get the wrong idea that the loan has already been approved, when in fact your application is still yet to be submitted to the bank or lender.

Two weeks later, the car dealer will call informing you that you have not been approved for the low rate because of your bad credit score. As a result, you get stuck in a bad credit car loan with a high rate of interest.

Avoid Being a Victim!

Avoid being a victim of bad credit car loan scams and rip-offs by being aware of their tactics. Remember that you can find a reasonable car loan despite having bad credit if you do your own research and if you meet the lender's requirements.

For instance, you must have a stable job to make up for having a low credit score. A stable employment will give a potential lender the assurance that you are capable of keeping up with your monthly auto loan payments.

It's also a good idea to reduce your credit-to-debt ratio. Minimize the use your credit lines at least six months before applying for a bad credit car loan. Pay off your existing charges especially if you own credit cards. Such a move can boost your credit score. It will also create a good impression when a lender looks into your credit report.

Here is another great tip: Order a copy of your credit report from the three major credit bureaus so you don't need to guess what your exact rating is. Predatory lenders and car dealer financers may make you believe that you have a much lower credit score just to charge you with much higher rates and fees. When dealing with a potential lender and car dealers, bring the copy of your report with you to show that are aware of your exact credit standing and that you know the kind of deal that you deserve.

Thursday, April 26, 2012

Third World To Benefit From New Andorra Aid Policy

Helping write off Africa's debts and increasing financial assistance has increased in recent years, with awareness being raised throughout the developed world by Sir Bob Geldof.

The campaign to write off Africa's debts has been led politically by Britain's new Prime Minister, Gordon Brown, who as Chacellor of the Exchequer used his position to influence other G8 countries to follow Britain's lead.

But smaller countries have joined in with increased assistance, and notably the world's second smallest country, Monaco, has not only taken her UN responsibilities seriously, but led by Prince Albert has tried to persuade other countries to do the same.

One country that has followed Monaco's advice is fellow European tax haven Andorra.

Fifty years ago Andorra was one of Europe's poorest countries, but now counts among the wealthiest, thanks mainly to her tax haven status, but also her ski industry, which has seen as many as ten millions visitors in a year - pretty impressive for a country with a 70,000 population.

With the same tax benefits as Monaco, Andorra has also seen interest from UK high earners for her tax haven status, and are attracted by the property prices which average a quarter of Monaco's - a shrewd decision for those who are prepared to sacrifice Monaco's image for a tax haven that is well known for her winter sports activities between December and mid April.

Buyers from the UK in particular were out in force during April, May and June, with many spending twice as much on full time homes as the average ski apartment buyer.

One of the first moves Andorra is making is to have more diplomatic relations with countries in Africa, currently they only have them with South Africa, Morocco and Egypt.

But rather than have one ambassador for each country, they will have one to cover two or three countries, depending upon their geographical size and population. And rather than be based in Africa, they will be resident in Andorra, visiting the respective countries when necessary.

Believing that with new technology the new Ambassadors can effectively stay in Andorra will save money, money that can be used towards development rather than on salaries, expenses and embassy buildings.

Andorra has started already with her new development programme, and is helping to finance a safe water project in Mali, with more similar projects to come in the near future.

As well as financial and development aid, Andorra is keen too to encourage cultural links. Earlier this year Andorra played host to Senegal musician Ismael Lo, which was received enthusiastically in Andorra.

Although Andorra is a small European country, she is acknowledging her world responsibilities in a positive way.

Tuesday, April 24, 2012

The Importance Of Retail Epos In Combating Fraud

Financial fraud is a major problem in the West as credit cards, ATM machines and sophisticated websites can all be hacked so that out financial details are stolen. The rise of the chip and pin machine was an attempt by the government and the banking sector to reduce the ease at which fraudsters could copy their victim's information at the retail EPoS station, however, there is still massive levels of economic fraud in the UK.

Retailers have a responsibility to give their customers as much protection against the theft of their details, and the best way they can do this is through using digital retail EPoS machines and setting out their payment area to minimise the possibility for details to be copied.

Retail EPoS
Cash register tills are becoming more sophisticated as technology means that we can pay for almost anything with a debit or credit card. Even popping out to the local shop for a pint of milk no longer requires cash. In some ways, the decrease in the amount of cash that most people carry is a good thing. Cash is much easier to steal and use without detection than a credit card, and most cards are covered with insurance and protection so that they can be stopped quickly and the money repaid to you. However, if you have your card detail stolen, it can take a long time to realise, especially if you do not regularly check your bank account.

This means that fraudsters could empty your bank account of all of its funds without you knowing and it is a hassle having to close your accounts and set up new ones because a thief has your details. Where you might have had a wallet full of cash stolen before, know you can have your entire bank account emptied by one criminal. Retail EPoS machines are now able to detect when a card is being used in a fraudulent manner. The pin number can only be entered incorrectly twice or three times on most card readers before the consumer is no longer allowed to use the card. Unless the card reader is broken you are not permitted to pay by signing a receipt. This cuts down the possibility for someone to use your card without all of the details.

Shop Design
The layout of your pay station can also help to minimise fraud. Your retail EPoS system should be placed in a position that only the customer who is paying for an item can see the till and especially the card reader. Even having a physical line at a point behind the till will deter people from standing too close to the customer who is paying. The staff at the till should be aware of who they are serving and the card being used. Is it in a man's name when the customer is a woman? Have they go the pin number wrong? Have they asked if they can sign because they have forgotten their pin number? These are all signs to look out for and staff should be trained on how to spot fraud.

Fraud is a major problem for consumers, banks and retailers alike. By implementing a high-tech retail EPoS system in your shop, you can minimise the risk of fraud to your customers, and a little clever shop design never hurt either.

Sunday, April 22, 2012

Hot Prices At Target Spark A Buying Frenzy

Target, the fourth largest retailer of home furnishings in the United States, has made some moves in global circles that have consumers flocking to their website like never before. Not only are their prices still among the best anywhere in cyberspace, but a number of new promotions make their already unbeatable deals just a little bit sweeter. This article will discuss the new and improved Target online marketplace and ways to save money on almost any everyday purchase.

Fantastic Electronics at Fantastic Prices

The big holiday sales may finally be over, but for some reason the prices at Target have remained well below what other stores are charging. We're not just talking about feature items like televisions and video game consoles; their cameras, MP4 players, computers, navigation systems, and cellular phones are all at rock bottom prices right now as well. Inside sources say that Target has secured several big contracts with many of the world's top electronic manufacturers to remain one of the leading suppliers on US soil. Many of their electronics are also discounted even further through their website, so be sure to check back often and grab those deals when you see them!

The RedCard

The RedCard is Target's personal store credit card, and besides offering very competitive rates it also comes packed with several exciting features. First off, any purchase that you make with your Target card goes directly back into your community to programs like the Boys and Girls Club, the United Way, and several other great charities. They believe in supporting our youth, and just using the RedCard is an excellent way to make that dream happen.

There's a lot more than charity going on with the RedCard though, because when you use it online or at a local Target you automatically get 5% off any purchase. This isn't just on select items or ones that cost a certain amount of money; it's 5% off anything you buy, every time. If you have five prescriptions filled and pay with the RedCard you'll earn an additional 5% off any single day's the benefits can really add up! Compare that to the 1% annual return on traditional cash back credit cards and you can see why so many shoppers are taking advantage of this easy way to save.

Online Only Specials

Many retailers charge a bit more for online purchases because there's the extra burden of shipping, packing, and handling involved, but Target sees it a little bit differently. For them, it's much easier to send something from a centralized warehouse than to keep restocking hundreds of nationwide stores, so they pass that extra savings right down to their customers. In fact, they ship most purchases completely free of charge.

Be sure to check out Target's online only specials because some of the savings can be substantial. We're not talking about 5-10% off selected merchandise that they haven't been able to sell otherwise--almost a third of their website is marked down up to 20% below what other retailers are charging. With deals like these, there's little reason to shop anywhere else!

Use Target Coupons for Extra Savings

Target also has several affiliates around the World Wide Web, and one of the best ones for everyday savings is They work directly with Target to offer the latest coupons, promotions and specials, so you're not likely to find better prices anywhere else. To get in on some of the exclusive savings offered by MoneyJibe, including Target furniture coupons and free shipping coupons, visit their Target Coupons page for the latest offers and specials.

Saturday, April 21, 2012

The Role Of An Accounts Receivable Staff

Accounts receivable from the accounting scenario has a deep meaning and complicated undertaking. Accounts receivable is an asset of the business so the collections of these will be greatly affecting the company's cash flow. Despite the era of computer technology, the accounts receivable staff still is needed in the company. Although the job is easier now because of the accounting software, they still perform manual duties that cannot be replaced by computers.

By definition, an accounts receivable specialist is a member of the company work force whose function is to handle billing and collections for the enterprise. Their duties and responsibilities are critical for the cash flow and profitability of the firm.


Once designated for the position, the worker has to be adept in operating a computer as most business transactions are now incorporated in various accounting software. The employee handling the job must keep track of clients who need to be billed, how much and when payments are due. For past due accounts, they are also in charge of reminding the clients and in addition to the verbal reminder which they do via the phone, written communications in form of letters or emails must also be handled by this employee. They can be tasked to devise strategies to collect and convert the receivables into cash. Receivables are nothing when these cannot be turned into their monetary equivalent.


This employee must be endowed with mathematical skills as the work may entail computations. He or she must have strong communication ability - both oral for collection letters and verbal for phone collections. He or she must possess an analytical mind, must be sensible, hardworking, organized and a problem solver. The last qualification is very vital because collection is a difficult problem to handle.

Many companies require the employee for this position to have an associate degree in accounting. There are companies that require higher educational attainment - that of a bachelors degree, preferably in accounting or bookkeeping. There are some job applicants for this position that are lucky to be hired with only a high school diploma and accountancy training (formal or informal).

Accounts receivable and business profitability

Accounts receivable may have arisen due to sale of merchandise - if the business is on sales. This is actually non-cash sales; credit or loan in the layman non-accounting term. So even if the goods are said to be sold, without the material cash on hand, the firm cannot yet treat as part of the income. It must first be collected and payment should be received. Payments can be made through checks, credit cards or cash. Credit cards are good as cash but for checks - this type of asset must first be cleared with the issuing bank and ultimately converted into cash. The monitoring of this endeavor rests on the hands of the accounts receivable clerk or specialist.

Hiring of accounts receivable staff is a crucial decision for the human resource department of the company. The job requires competence.