Bulgarian Properties Directory

Australian have urbanized the agility when it comes to online real estates, which can be barely outdone. This is probably attained at the cost of the rationally constructed of the Internet, perhaps people already know by now how fast and easy the transactions made when it comes to online advertising; from jobs, buy and sell to real estates. However, if you’re an investor looking for the real estate property, you’ll probably searching for the right informations and the right agents to seek for help. In this case online real estates definitely clue in, there are lots websites that prowess in classifieds online. Though, Internet users must be careful enough to choose which agents to be partner with.

When it comes to advertising your properties online this site will surely make the most out of it; from apartment and houses for rent, commercial real estates, sell house, property for sale and etc. These are all included in the services alloted at the homepage of the site, users can access with these for free but first they need to register and be a member to enjoy the additional benefits from the site.

Aussies are in a luck with such website like OzfreeOnline, for them there is no much exertion to seize, because in a context of basic advertising this is quite fast and easy. These trend has been succeeded in a way that a huge amount of Internet users tend to support and practice. However, even that there are lot of website, some of these may not be accessible in some circumstances. People must learn to choose and be informative enough, because sometimes there are some agents that are not registered and cannot comply to what the customer’s really want.



By: ade perillo

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Marketing is misunderstood and much maligned. The industry is dogged by pejorative associations with concepts such as ‘spin’, ‘hype’, ‘gimmick’ and ‘ploy’, and it is not uncommon for fellow board members to refer to the marketing director as ‘the chief flower arranger’.

 

So it’s perhaps not surprising that when times get tough, marketing gets it in the neck from governments too. Marketing is seen as an agent of consumerism, and is, therefore, an obvious scapegoat for major societal problems such as obesity, binge drinking, global warming and debt. It is much easier for governments to publicly ‘punish’ marketers with legislation that restricts their licence to operate, than it is for those governments to tackle some of the issues themselves. Marketing and democracy provide similar benefits, as I and my fellow author Katherine Jocz outline in Greater Good – How good marketing makes for better democracy (Harvard Business School Press, February 2008). For example, marketers give consumers information and choice, they seek to engage them to earn their loyalty, they try to bring quality and innovation to the masses. Marketing also provides ‘social glue’ via successful exchanges, and improves living standards and consumer wellbeing. Similarly, democracies depend on informed citizens participating in the political process and making choices among political alternatives.

 

They also promote the welfare of all citizens, which leads to improved prosperity. But marketing is better than democracies at providing these benefits. For example, while consumers in the commercial world ‘vote’ every day at the cash tills, citizens have to subsume their individual preference to a collective will, and consume the policies of the party that has been elected. Marketing is also quicker than democracy to spot and embrace new trends, while strong brands can forge the kind of long-term loyal relationships with their consumers that politics, with its mass market approach and lack of any real competition, can only dream of.

 

Marketing is also being used as a force for social good – witness the rising popularity of Fairtrade goods and the commitment to tackling climate change by brands such as Marks & Spencer. Indeed, you could argue that the practice we get as consumers every day in the commercial marketplace makes us better, smarter citizens – which may be why our politicians are frequently such a disappointment to us. The difference in the way politicians and brands ‘advertise’ themselves is further evidence of marketing’s more highly evolved status.

 

Brand advertisements knocking the competition are frowned upon in the commercial world – marketers know that a tit-for-tat war of words turns consumers off the category as a whole – but they are par for the course in politics. The penalties of this approach were obvious in the US Democratic race, where Hillary Clinton and Barrack Obama took every opportunity to undermine each other’s credibility. Their subsequent efforts to present a united front against Republican John McCain in the Presidential campaign were met with understandable cynicism.

 

It is time governments, NGOs and the general public sat up and recognised the positive social and economic impacts marketing has on society as a whole. It contributes significantly to economic development, for example. In the US alone 17 million people hold marketing, sales and customer-service jobs. Marketing also supports the pillars of democratic society. It funds our diverse media, including the internet, giving citizens access to information about political figures, policies and programmes. And marketing knowhow helps public policy makers change citizens’ behaviours by, for example, encouraging seat-belt use, good nutrition and responsible drinking. So instead of treating them merely as taxpayers, donors and voters, politicians should treat citizens as well as marketers treat their customers. They could improve the democratic process as a result.

 

Previously published in the Business Review, Impact Executives

 

Interim Management



By: Clive Sexton

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SBA mortgages have become very popular in the last 12 months due to the general economy, the banking crisis that has all but eliminated conventional commercial loans and because of the Stimulus Package the was rolled out in March of 2008.

Despite the fan fare, SBA mortgages come with their own set of issues that business owners should be aware of them before they make their decision to go forward with one or not.  Here’s the overview of the common complaints of SBA mortgages.  1.  Quirky set of underwriting rules that often defy common sense.  2.  Adjustable rates on the popular SBA 7a loan and 3.  High prepayment penalties on the SBA  504 loan.   

SBA Mortgages – Quirks

With any government entity there are often agendas that are either political or out of touch with reality.  Probably the biggest issue here is just the overall process of getting an SBA loan closed and the complex set of rules and guidelines that banks and lender have to follow in order to ensure that they will get the SBA guarantee. 

For example the typical SBA loan takes 75 -90 days to close.  Conventional loans normally take 60 – 75 days to close.  The forms and procedures for both the bank and the borrower are much less cumbersome on conventional loans and there is more flexibility with getting exceptions on non SBA loans as wells. 

However, it is important to point out that the SBA has done much in the last 3 -5 years to make the system more efficient and seamless.  For example they cut the SOP (the Standard Operating Procedural Book down from 800 pages to 300 to help underwriters grasp the rules easier). 

It is also very important for borrower to only work with very experienced firms in the SBA field.  The last thing you want to do is go with a bank that has only done a few SBA mortgages as they will likely add an additional 60 to 90 on top of the typical 75 day process.  So business owners should do their shopping as well as make sure that their timing restraints make the realities of the closing process.      

SBA Mortgages – Issue with the SBA 7a Loan

 

One of the main complaints to the classic SBA 7a loan is that the rate normally adjusts on a monthly or quarterly basis, against the fluctuations of either the Prime Rate or LIBOR.  Entrepreneurs are often concerned about the uncertainty of what their monthly payments maybe in a few years and often find it difficult to plan due to this. 

The reason for the set up is to encourage banks to lend on transactions that they normally would not consider.  For example, SBA mortgages often provide 90% financing.  No bank would do this without the government guarantee.  Further the adjusting rates helps the bank as their costs of funds fluctuate with the market as well.  So they are concern about offering fixed rates to borrowers that may hurt them in the future. 

Another thing to keep in mind here is that there are a few banks that will structure the SBA 7a loan with a 3 to 5 year fixed rate.  As of this writing, we know of 2 in the nation…  It is very rare, but it is out there. 

SBA Mortgages 504 Loan

The SBA 504 loan is the best commercial mortgage for businesses when purchasing buildings over $1,000,000.  The rates are very low and fixed and underwriting is still flexible.  90% financing is still available.  As of this writing the rate of the SBA piece is at a historic low of 5.14% on a 20 year fixed rate… 

However there is an expensive prepayment penalty that is concerning for many borrowers.  It is  a 10% step down, meaning it drops down by 1% per year over a ten year period.   Borrowers need to keep this in mind in term of their long term plans with the building. 

However there is an expensive prepayment penalty that is concerning for many borrowers.  It is  a 10% step down, meaning it drops down by 1% per year over a ten year period.   Borrowers need to keep this in mind in term of their long term plans with the building.  

In addition, borrowers should weigh this negative feature against the benefits:  1. Getting a low, long term fixed rate at 90% loan to value. 2. That they can lease out the property in the future. 3 and that they can refinance the conventional loan and that the SBA loan will re subordinate into second lien position.  4.  That the loan is assumable to other qualified borrows, should you want to sell the property.    

All in all, and despite the concerns, SBA mortgages have rightfully earned the fanfare that they are now receiving.  They are not perfect, for sure, but they offer many exceptional benefits and unlike the other commercial mortgages out there, they continue to close…

 

 



By: jeff rauth

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