Frustrated Getting Your Commercial Mortgage Applications Declined? Time To Jump In The Driver’s Seat
Have you had it with getting rejected for commercial mortgage loans? From the outset of this recession we are in the midst of, hard working business people just like you & me have been wishing there was a simpler, more reliable way to get our commercial real estate projects financed. Now is the time for you to jump right into the driver’s seat, take control of the commercial mortgage finance process, and get your deals funded in record time.There is an extremely powerful, efficient, and effective commercial mortgage portal that enables you to concurrently submit your commercial mortgage requests to approximately 750 hungry commercial real estate lenders. After you submit your 4-minute mini-app, the site discards all the lenders which it deems to be inappropriate lenders (e.g.: those that do not lend in your state or other geographical area where your commercial property that you intend to finance is). After that, the system provides you with a list of about 30 of the most suitable commercial mortgage lenders, many of which should be optimal for the commercial mortgage loan that you are looking for.During good economic times, you can just submit your commercial mortgage loan application to a typical commercial bank, and chances are that particular commercial lender would approve your financing request. However, in these difficult economic times with extremely strict credit standards, in order to have even a smidgen of a chance of getting your commercial mortgage application approved, the truth of the matter is, you’d have to submit loan applications to hundreds of lenders, which if you were to do on your own, it would require tremendous amounts of time and energy.However, after the thirty or so most suitable commercial real estate lenders learn how to contact you based upon the information you’ll have already supplied them, that is exactly what they will do! Within a few minutes after you take a potentially very beneficial 4 minutes out of your life to fill in and submit the mini-app, you’ll have commercial lenders who definitely are eager to finance precisely the type of commercial real estate transaction that you are looking to fund–contacting YOU by email or phone–eager to fund your commercial real estate project. Pretty cool, huh?Throughout our current commercial mortgage drought, this has proven to be a really fast and efficient approach to submit commercial real estate loan applications to a wide range of commercial mortgage lenders simultaneously, which saves you substantial amounts of time & energy, resulting in more time to concentrate on your business as opposed to how to finance it. So, it truly is about time you know just how phenomenal it feels to finally be in the commercial mortgage loan driver’s seat!
The Economic Importance Of The Home Based Business Industry
DEFINING THE HOME BASED BUSINESSThe home based business can be defined as a business whose primary office is in the owner’s home. The business can be any size or any type, as long as the office itself is located in a home.In the USA, there are about 6.6 million home based businesses that generate at least 50% of the owner’s household income.(a)”If one advances confidently in the direction of his dreams and endeavors to live the life he has imagined, he will meet with success unimagined in common hours.” – ThoreauESTIMATES OF THE TOTAL SIZE OF HOME BASED BUSINESS”One study has estimated that the total number of people who run or are employed by home based businesses in South East England is in excess of 250,000 people, equivalent to 7% of the working population of the region.(c)”While the average home entrepreneur business has two employees (including the owner), 39% have between two and five employees, and 10% have more than five. Using these average employment numbers, Emergent Research estimates that home entrepreneur businesses currently employ roughly 13.2 million Americans, including the owner.(a)”To put these figures in perspective, let’s compare them to U.S. employment generated by two important industrial segments: venture-backed firms and the oil and gas industry. Analysis by the National Venture Capital Association shows that companies that received venture capital backing including such corporate giants as Intel, Microsoft, and Apple – employed 10.4 million in 2006.”(a)THE IMPACT OF THE DEVELOPMENT OF THE INTERNET ON THE ECONOMY AND HOME BASED BUSINESSThe development of the internet has been and will be the big driving force in the development of the internet related home based business. Let us have a closer look at these developments. The following information is extracts from the McKinsey report.(b)
Two billion people are connected to the internet. This number is increasing by about 200 million per annum.
Almost $8 trillion exchange hands each year through e-commerce.
About one-third of small and medium-sized businesses extensively use web technologies.
The web has made possible new waves of business models and entrepreneurship. It has transformed industries.
The internet accounts for 3.4% of the GDP of the 13 countries that was part of the study. These countries represent 70% of the world GDP. The total contribution of the internet to the world economy is $1 672 billion or 2.9% of the total GDP.
The internet accounts for 6% of the GDP of countries like Sweden and the UK.
Over the past 5 years, the internet has contributed 21% of the GDP growth of the 13 countries that were studied. These countries represent 70% of the total GDP of the world.
This is a reflection of the small and medium-sized enterprises receiving a performance boost through the internet. These companies with a strong web presence grew more than twice as quickly than those with a minimal or no web presence.
The internet has become a very significant factor in the world economy and the growth of the economy. More specifically in jobs and wealth creation.
Online marketing represents 15% of total marketing worldwide.
The search requests by individuals on hard-to-find items or information was a total of 1 trillion requests during 2009.
In the USA, web surfers made purchases worth $250 billion in 2009; in the UK, it was $63 billion or 2.9% of the GDP. The average online shopper in the USA has spent $1 773 during the year. In the UK, $2 535 was spent on average.
The study concludes that the influence of the internet on the economic growth in the world, on job creation and generating wealth, is becoming more important and stronger.
For individual companies the internet lowers costs and increases revenue, productivity and profits. The internet helps these companies to accelerate growth in the export markets and to have access to new markets.
The introduction of broadband stimulates the development of the internet in those countries where it is being introduced. The internet stimulates growth in GDP, in job creation, wealth, and increases productivity.
In France, the internet has created a total of 700 000 jobs during the past 15 years.
The research of McKinsey indicates the growth in people connected to the internet, the importance of doing business via the internet, and the big influence that these new technologies have on the GDP of the world economies.THE INFLUENCE THESE DEVELOPMENTS HAVE ON MY HOME BASED BUSINESSAccurate research information is not available about the expected growth in the online home based business industry. I want to make some estimates based on the information discussed above:
The annual growth in people connecting to the internet is growing with about 10%.
The ability of the internet to:
Create new jobs. Give people an extra income stream. Have their own home based business and being self-employed. These changes create many new business opportunity.
The new technologies related to the internet will create new business models that will stimulate opportunities.
More and more trading and marketing is being done via the internet due to the development of new systems and technologies.
The improved communication systems and technology makes it cheaper, less risky, and more attractive to start a home based business.
The influence of the development of the internet on the growth in the GDP of the countries in the McKinsey study has been higher during the last five years than during the previous fifteen years. The trend is upwards. Many of the conclusions in this study indicate that the influence on economic growth in the future will be higher than in the past. Some developed countries like the UK have a more people using the internet than others, for example the USA. That indicates growth in many of the developed countries.
Due to the development and introduction of broadband in the less developed countries of the world, new trading and business opportunities will become available.
There is a trend that more people who want to work from home, as indicated by the following quote: “Nevertheless, home based business owners are much more satisfied with their quality of life than other small business owners. However, the majority of home based business owners do not appear to have made a financial trade-off in order to secure this quality of life.”(c)These new technological developments, the changes in the economic environment and changes in the social needs of people will result in a higher growth rate in internet related businesses, as well as in online home based businesses, than the 10% annual increase in people becoming connected to the internet during the next few years. If one takes into consideration that the average growth in the GDP of the world is expected to be much less than 10% per annum during this period, then there has to be good business opportunities here.This expected growth in GDP due to internet related business activities creates many online business opportunities for the online home based business owner.A fast changing economic, business, and technological environment needs quick and big action. The opportunity of today might have disappeared tomorrow. This is the environment in which to dream-it-plan-it-do-it big. Our team wants to support like-minded people who want to join us on this journey. Take action. Do not postpone in this business environment.”Screw it, let’s do it!” – Richard BransonReferences:(a) Small Business Success Index Research Note Home Entrepreneurs: A Vital Economic Force.Small Business Success Index Research; Homepreneurs: A Vital Economic Force.(b) McKinsey Global Institute: Internet Matters: The net’s sweeping impact on growth, jobs and prosperity”(c) Home-based business: Challenging their Cinderella status.http://ser.e-contentmanagement.com/archives/vol/17/issue/2/article/4065/home-based-business
Online Education and Its Benefits
It is less costly.Though education is basically a right, it is a privilege to some. There are those who cannot afford to go to a list of colleges that charge very high university dues. Online schools, on the other hand, do not cost that much and have typically much lower tuition fees. You can even actually increase your savings knowing that online education does not entail you to spend on travel expenses, food, and accommodation. You also do not have to bother yourself spending on textbooks since online college programs usually do not require you to do so. You can simply download all the necessary instruction and learning materials for online classes and lectures.It is more flexible.Attending courses for college through the Web also makes you a very flexible person. It enables you to multitask very easily. It lets you learn at any place and at any time most convenient and appealing to you. If you are currently working, then online education makes a lot of perfect sense.You do not have to be so tied up with your hectic and conflicting class schedules and end up sacrificing your full-time job. You can do away with all the time supposedly spent for commuting and actually being in school. With proper time management and work-life balance, you can obtain your college or university degree while continue supporting your daily needs through your career.All the materials are readily available.Another great advantage of online college programs is that you can ensure that all transcripts and training materials are kept intact and archived. They are all well documented and stored so that you can easily retrieve them through e-mail and university sites opened for viewing, printing, and downloading.It does provide quality education.A lot of people think that they cannot enjoy quality education if they stick with online education. But not all things can be taught and learned in four-walled classrooms. Moreover, established online schools can connect distance learners to the best professors found around the globe. Online instructors are also generally accessible. Top professionals in the research and education field can promptly respond to your questions through e-mail or live discussions.It is non-discriminatory.Online classes you enroll in are also open to the rest of the world. The Internet and its accessibility has paved the way for students from various countries and continents, with different range of lifestyles, cultures, and needs, to converge for one common goal: learn. In fact, through online education, you can gain more friends and understand better one another’s distinct qualities. Online classes teach you how to embrace diversity.Indeed, online education offers more than just the opportunity to ride on with the current wave. It makes learning easy, accessible, and affordable.