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When you’re planning to start or expand a business, one of the important requisites for it to happen is to have enough funding to finance the needs of your business. This will include financing materials and equipments, salary for your employees and even advertising purposes.To be able to get the need amount of cash to fuel their business plans, businessmen often get a business loan. This can help jump-start their business from the drawing board to the real thing. A loan can provide you with your needed cash for you to start and operate your business. However, taking a loan from the bank and other lending firms will often require you to present your credit ratings. When this happens, people having bad credit history often find it hard, if not impossible to get an approval.Although you may not have a great credit rating, you still have a chance of getting a business loan to get the cash that you need. This is by getting a bad credit business loan. This loan can allow you to have the money you need for your business without your credit rating being scrutinized. This is mostly offered by lending companies that you can find online. Through it, you can transform your dreams into a reality.What are the types of loans that you can get with a bad credit loan?There are two choices that you can have when trying to choose a loan type that is most suited for you. You can either get an unsecured loan or a secured one. Each can present different advantages and disadvantages.Unsecured business loans are ones that does not require you to have collateral. This type of loan is more risky in the part of the lender. That is why it may not be easy to get an approval for this kind of loan. For lenders that offers unsecured bad credit business loans, being employed can be a big plus when trying to apply for one.However, even if collateral is not needed and you don’t face the risk of losing anything, there are still a few setbacks when applying for this loan. If you do get an approval, you will often need to face higher interest rates, because of the nature of the loan. Aside from that, the amount of money you can have with this kind of loan is lesser than what you can get with a secured business loan.If you opt to get a secured business loan, you may easily get an approval even with bad credit. There are several lenders that offers bad credit secured business loans online. A secured loan requires that you put up your property as collateral. This allows the lender to have a fall back, in case you fail to make the necessary payments for your debt.Although you are the one taking the risks with this kind of loan, it allows you to enjoy many benefits which can be beneficial for your business. Since lenders are secured that they can recover their losses even if you default your payment, you are able to enjoy much lower interest rates and is able to get a larger amount. You will also be given a better loan deal with a secured business loan.Other than that, if you’re confident that you can make payments on time, then the risks that you are facing with a secured business loan is quite small.

All the conveniences we take for granted in most cities are actually paid for by our hard earned money. This payment is also called taxes. Now, we all know that a major portion of our earnings go towards tax deductions. So, it only makes sense that we devote enough time and resources to justify the amount deducted. How do we know that we are not taking some tax credits for where it can be taken? Filing of taxes is a stressful time since it involves tasks we are not by nature used to. Also, there is the added worry that you may have overlooked an item you were meant to pay tax on. Any mistake can cause thousands of dollars in fines by the Internal Revenue Service. Nobody would like to be penalized for a mistake they did not know they were making.It is also a common tactic to put off doing something that seems a bit hard to do. The same goes for filing of taxes too. We keep putting it off because we hardly understand a fraction of the words and on top of that we are expected to file taxes in a correct manner!If you are one of those that fall into this struggling category, then it may be a good time to take a look at the various online financial management software or tools available. These financial management tools allow you to plan your budget, allow options for other investments and finally also help you do all the basic steps for a proper filing of taxes.Tax calculating software is a excellent tool for all those that are scared of committing a mistake yet do not know how to file their taxes and thus optimize their income.

Studying finance isn’t that simple and is usually very boring also. The topic is considered to be really dry and hard as well. But with the assistance of the online finance school the situation doesn’t remain similar. Now individuals can simply understand finance and may be a specialist in the area. There are lots of sites that are functioning as an internet school that are offering web based classes in addition to the classes to folks to make them a specialist in the field.Individuals may get to understand about a lot of hard ideas with good ease and efficiency. You may take any training course which is associated with your area of interest. Even if you’re absolutely ignorant of the principles that are utilized in that topic, you can be a specialist by taking these web based courses. Your web finance training course can be very beneficial in making you comprehend about the conditions and ideas utilized in the area of finance. You can understand about numerous hard ideas without having problems. There can be several options for learning finance but the greatest results are noticed in the online courses.To be able to learn more about the loans and finances you may also take the online finance training course which can be very beneficial for you in numerous transactions of yours. If you’re a starter and have just began your learning in the market of finance then you mustn’t worry because there are a lot of fantastic online training courses for finance that are specially created for the rookies in order to assist them out by making their course of finance less difficult and better for them. Also the most challenging principles become quite simple as a result of the simple strategies and programs along with the classes that are supplied by the online institutions that want to make finance much easier for the individuals and in order to create more curiosity about individuals they’ve made the sign up method quite simple for them.There are additional lessons and trainings also available for many hard topics for example you may have the online economics classes as well as the online stock market training course which can be very useful for you in understanding about these fields. You may also have the classes and equipment that are associated with your area together with the lessons and will also obtain the certificate upon the conclusion of a specific training course.

Policymakers throughout all educational levels are wrestling with the cold, hard truth that the original funding of new equipment and software is the tip of the funding iceberg. In the ’80s we called this the “hidden costs.” In the ’90s we were so excited about all the new gadgets that we forgot to worry about anything else. Now, in the new century, we are wondering how we can afford to keep the tools our administrators, teachers, parents and students are finally putting to good use.As the Consortium for School Networking (CoSN) states in their Total Cost of Ownership white paper, “While many government and private programs provide the means of obtaining the much-needed technology for schools, there are few provisions for the necessary ongoing support of these technologies. School districts, having installed much of the technologies needed for classroom, administrative and community communications functions, are fast becoming aware of the support problems and need to budget for the ongoing support costs.” These monies are often the last priority of any school entity.With the revolving threat of federal funds elimination for E-Rate and EETT (Enhancing Education Through Technology) funds, districts must find their own reliable and ongoing funding sources, and state and federal leadership would do well to help calculate and take into consideration total cost of ownership. Seeing the big picture is a necessity.General Budget Technology FundingTo compound the funding dilemma, many education leaders have yet to realize that technology is no longer a separate entity. Technology use is an everyday occurrence in every school in every district, at one level or another. Unfortunately, many education policy leaders have not revised their general budgets to support the proven ways technology improves the work and goals of the local education agencies (LEAs). Leaders who consider technology a “black hole” (as one administrator once told me) are burying their heads in the sand and should be made aware or trained.Those who set the general fund budget should be informed of the successes from districts that have recreated education budgeting and work practices. These districts take advantage of technology to increase business efficiency and advance student learning, thus saving money and truly educating students while helping meet No Child Left Behind mandates:
One of the strongest organizations of high performing school districts west of the Mississippi River is the Western States Benchmarking Consortium. These districts constantly score above the norm on tests, have high graduation rates, and have lower dropout rates when compared with similar and dissimilar demographics. All of these school districts were early adopters of technology and have used it to support teachers, students and their business teams.

Assistant Superintendent John Q. Porter of Montgomery County Public Schools, an outstanding school district on the East Coast, stated in the June issue of District Administration magazine, “Our enemy is time, and technology is the only way [to combat that]. Still, there are people who don’t understand the importance of technology because they fear it. One of the first things you realize in technology is that technology is change; those who fail in developing systems don’t understand the dynamic of change.”

Two years ago, Poway Unified School District was going to hire 32 new teachers. The technology department used their data warehousing tool to show district leaders they needed only 25 teachers. The leadership followed their advice instead of following old trends, and their estimation proved correct. The district saved approximately $350,000 in salaries — more than the cost of the data warehouse installation.

Student assessments have changed. Trish Williams and Michael Kirst, in their article “School Practices that Matter” (Leadership Magazine, March/April 2006), state high performing districts must have assessments that align with state standards and have the ability to quickly inform teachers of results. Online assessments give policymakers a choice of how to properly assess students to support learning, with 24 hours or quicker result reporting. This should be a common practice to support the students and meet NCLB mandates.
RELATED STORY: Find More Money for Budget and Technology [http://www.convergemag.com/summary.php?catid=418]All budgets, despite project or department, must be completely reviewed to see how technology can support and make the end product more successful. Additionally, policy leaders must continue to research what new innovations will be appearing in the near future and analyze how these new tools will impact education programs in their local education agencies. All must be in a continual learning mode and work together to envision how we can help put students on a path to continual intellectual growth. Following are some steps to start down the path toward properly utilizing general funds for the support of technology.Funding Where There was NoneStep 1: Evaluate and PrioritizeData-driven decision-making is a fundamental part of this first step. Generally, there are three areas from which data should be gathered: instructional and business demands, the infrastructure to support those demands, and the equipment and software needed to meet those demands.
Instructional and business demands: these demands are driven by district objectives, community expectations, state and federal mandates, funding constraints and labor union guidelines. Expectations are increasingly high for districts to produce students who perform well on standardized tests and exhibit good citizenship. The business side of education exists to support the learning activities that will meet these expectations.

The infrastructure to support those demands: LEAs’ infrastructure consists of multiple components. Every two to three years, structural components should be reviewed. Telephones, data, alarm, networks and general physical condition of buildings must be assessed to understand what repairs and upgrades are needed. Funding is available in many states under deferred maintenance, or in operational and maintenance restricted funds. If a comprehensive plan is developed and followed, districts can ensure this major building block for support of education will be set in place.

Equipment and software to meet those demands: with the first two areas in place, an intelligent decision can be made regarding the purchase of software, computers and other related equipment that will work with the existing infrastructure and meet the district’s instructional and business demands.
Attaining these goals may require more than one year. It is also highly probable that goals will change over time. It is wise, therefore, to create a multi-year plan that is agile and modifiable.Part of supporting technology is providing a maintenance, replacement or obsolescence fund, typically fed from districts’ general funds. Too often a majority of technology dollars are spent simply maintaining the status quo. The challenge is to meet the continual need for growth in the areas of technology for online assessments, home-to-school communication, 24/7 access to learning resources and virtual or distance learning.Step 2: PartnershipsLEAs can benefit from partnerships with local and national businesses in two major ways. First, businesses use general funds to support technology, and business leaders can share funding and maintenance best practices with educational policymakers. Second, business partners can donate equipment or money to support technology innovations in education.True partnerships support all parties involved. Such partnerships can be large or small, because any amount of funding will help. Large corporations often have several different funding sources. IBM, for instance, has the Academic Initiative and an alliance with the Computer Science Teachers Association to provide free software and curriculum planning. Intel offers multiple grant programs, as does Microsoft. Smaller companies, even the mom and pop donut shop, can and will support their neighborhood school.Step 3: Form FoundationsIf a community understands its local districts’ funding constraints, they are often willing to extend financial assistance by creating a foundation. While foundations are helpful overall, they should be avoided for individual school sites, as they generally increase inequities that already exist. Schools in more affluent neighborhoods may have foundations that raise $100,000 or more annually, while schools in less affluent areas may only raise $5,000 or have no foundation, and will obviously be unable to support their student learning projects.Step 4: New Uses for Old TechnologiesThin client (a network computer without a hard disk drive, which is designed to be especially small so that the bulk of the data processing occurs on the server) is one way to use old equipment to run new software, where old computers can become “dumb terminals” and run new applications from the server. This solution requires a sound network foundation and server structure, but can reduce replacement costs and decrease technology support staff needs.Step 5: Give Grants a ChanceWhere are the grants? Too many education decision-makers and leaders, especially at the high school level, do not realize that state and federal grants are much easier to obtain if their free and reduced lunch count is 40 percent or more. It is important for educators to have accurate data and a high percentage in this area for funding sources such as E-Rate, EETT, or other related sources. In addition, ferreting out grant money can augment general funds to support student learning with technology.The Road to Affording Ed Tech General budget funding must be realigned to match the needs of local education agencies. This will help both the learning and business aspects of a school. These funds may initially need supplemental support, but educators must be aware of the benefits of technology. We must intelligently commit funding for the educational growth of all our children.Leasing EquipmentLast year, the Poway Unified School District had to replace approximately 3,000 Windows 95 computers. These computers would not run the Web browser needed for their data reporting tool or the majority of teacher Web pages. The memory and speed of the computers were insufficient to run most of the enterprise-wide educational software available over their wide area network (WAN) and local area networks (LANs).The district had less than $1 million per year available for this project. Leasing was discussed. The amount the district had for support was ongoing, so the question was, could a lease agreement that guaranteed a vendor an ongoing fixed dollar amount for several years also guarantee the district a continuing flow of up-to-date technology equipment?The district obtained a four-year lease with three vendors, with an agreement at the end of four years to rotate the machines out with a new lease agreement. Additional cost savings included the maintenance agreement — vendor responsibility for all repairs during the lease period.Thin ClientDistricts throughout New York and New Jersey have discovered how to use thin client technology to make old computers new again. During the late 1990s, thin client was dismissed as too slow and too expensive to be useful in most school districts. This perception has changed in business, as in education, with greater network speed via WAN and LAN technologies, and tremendous server cost reductions.In a thin client environment, workstations do not store programs but rather receive everything from a system of servers (one server for about 20 workstations). When servers were $20,000 each, this was cost prohibitive. Today, servers that can support thin client cost about $3,500, allowing quick communication with workstations and a cost-saving solution.Total Cost of OwnershipHow can policy leaders find the true cost of supporting equipment? The Consortium for School Networking (CoSN) and the Gartner Group have an online tool that will assist in the estimation of this cost for various levels of technology.Published in the Fall 2006 issue of Converge [http://www.convergemag.com/story.php?catid=418&storyid=106722]

As a real estate agent, often I am requested to find my clients specific types of homes and home sites for building.  These specifics typically include: Bay front, Lake front, water view, specific number of bedrooms and baths etc.  If you’ve ever purchased a home, then you know exactly what I am referring to…In recent months however, I’ve been increasingly asked to locate homes or home building sites in gated communities around my service area of Bay County: more importantly, the Panama City – Lynn Haven metro area of Florida. I believe we are all well aware of what a gated community is, but if not let’s identify some characteristics of these communities…”A gated community is a type of residential community which offers controlled access and entrances for pedestrians, bicycles, and automobiles, and may feature a closed perimeter of walls and fences.”While gated communities are not a new form of residence, they are often misunderstood. In today’s real estate market there remains a common misunderstanding that gated communities are only for the wealthy and beyond the means of the average home owner. This of course is not entirely true. While there are some upscale communities that cater to a more costly living style, there are also many gated communities that offer similar life styles and amenities for the average home buyer. In my area there are many of these types of communities all offering various amenities and benefits.  From master planned gated lake communities such as Lake Merial or Wild Heron, to master planned gated bay front communities such as Bay Point.Each gated community may offer unique living and investment potential.  For the consumer interested in these types of communities, there may also be additional benefits. When speaking with my customers regarding their desire to own a home in a gated community, an over-riding factor seems prevalent: Gated communities are perceived safer for children and families and offer unique living styles for those that so desire them.  They are also perceived as maintaining their home values and appreciation.While gated communities may not be for everyone, they do offer features many find attractive for their choice of style and quality of living. Features such as private and semi-private marinas, on-site fitness clubs, golf courses and child day care are being required by home buyers more and more in today’s real estate market. These features and amenities tend to be prevalent in many gated communities and fulfill the wants and needs of these types of home buyers.In addition, I’ve recently been made aware of another unique style of gated community which caters to the racing fan!  These communities offer residents race tracks for their amusement.  From oval stock car style tracks to 1/8 mile drag racing tracks as well as motocross racing.  How’s that for a unique recreation and living style!!!A retired couple I am currently working with would like to find an Active Adult 55+ Community.  Both husband and wife workout daily, own a boat and are avid golfers. Naturally, they would like to purchase a home within a gated community, which is either on or very close to the golf course.  The community must offer dock space for their boat and have a club house or community club with an exercise room or fitness center.As I show this couple the available communities, a few items are of particular interest to them:  Some gated communities offer limited or no “through traffic” to the residents, which they value.  The limited trough traffic value is for their grand children whom visit with them several times a year. Homes within gated communities often exhibit a strong pride of ownership.  I’ve yet to find within a gated community a home with an unkempt lawn or debris scattered about the property. In large part this is due to the homeowners’ associations’ rules, or covenants and restrictions which govern many of these communities. Homeowner association rules often include restrictions such as:
No overnight street parking
No boats, campers or RVs allowed in driveways
Houses must be painted only certain colors
Landscaping must be pre-approved by an appointed committee
Additionally, residents of these communities take pride in their community and self-monitor and maintain their properties. To some these rules may seem excessively restrictive, while to others they are a necessity to maintain their style and quality of living. Many of these communities have what I refer to as “spot light homes”.  These homes are the “premier” homes of the community.  Often, they are built for specific owners or for events such as the Panama City Parade of Homes.They will feature the highest quality construction materials and fixtures, and often are the highest priced homes in the community. While many gated communities offer luxury homes, vacation homes, and luxury condos there are also those that offer affordable homes, condos and home sites. These communities may not have the full amenities of the more luxurious communities, but still manage to offer safety, community spirit and modest community pools and club houses.   Many of these practical communities are specifically and conveniently constructed near schools and local recreation venues.SummaryNot all master planned gated communities have uniformed security guards and cameras, but all offer unique living opportunities for those that desire the features and amenities the gate community has to offer.From retirement communities to equestrian communities, from waterfront communities to forested secluded communities, gated communities are sought out by many of today’s home buyer looking for that little something “special” for their investment.  Gated communities work for everyone, not just for the wealthy.

Investment is important from many points of view. Before doing investment, it is essential to understand what is investment and its importance?”Investment is an act of investing money to earn the profit. It is the first step towards the future security of your money.”Need of InvestmentThe investment can help you in the future if invested wisely and properly. As per human nature, we plan for a few days or think to plan for investment, but do not put the plan into action. Every individual must plan for investment and keep aside some amount of money for the future. No doubt, the future is uncertain and it is required to invest smartly with some certain plan of actions that can avoid financial crisis at point of time. It can help you to bring a bright and secure future. It not only gives you secure future, but also controls your spending pattern.Important Factors of InvestmentsPlanning for Financial investment – Planning plays a pivotal role in all fields. For the financial investment, one must have a pertinent plan by taking all rise and fall situations of the market. You should have a good knowledge of investment before planning for financial investment. Keen observation and focused approach are the basic needs for successful financial investment.Invest according to your Needs and Capability- The purpose behind the investment should be clear by which you can fulfil your needs from the investment. In investment, financial ability is also a component that can bring you satisfaction and whatever results you want. You can start investment from a small amount as per your capability. You should care about your income and stability to choose the best plan for you.Explore the market for available investment options – The investment market is full of opportunities, you can explore the market by applying proper approach. You can take help from financial planners, managers who have thorough knowledge about investment in the market. Explore the possibility of investment markets and touch the sublime height of success by the sensible investment decisions.By taking help from an experienced, proficient financial planner and traders can also give you confidence to do well in the field of investment. Now the question strikes the mind that what are the types of investments?Types of InvestmentsMutual Funds- Basically the mutual fund is a managed investment fund in which money is pulled from the investors to buy the securities.Commodity Market- In India, it is a popular place of traders to invest their money. The commodity market comprises of MCX (Multi Commodity Exchange) and NCDEX (National Commodity and Derivatives Exchange) both. In Multi Commodity Exchange market, you can invest in crude oil, precious metals as gold, silver and base metals as copper, aluminium, nickel, zinc and many more. While in National Commodity and Derivatives Exchange market, you can invest in all agricultural commodities as guar, soya bean, cotton, sugar cane and many more.Stock Market- It is the place where various people trade globally and earn the maximum return on investment. However, it is essential to know the bull and bear of the stock market for investing in it. The Stock market for investment also includes the equity market and nifty market. You can invest in equities and nifty market and get good amount profit by focused approach and keen analysis of market trend.Bonds – It is the best ways to gain interest on your principal amount. The interest and period of time depends on the agreement. In this, a holder lends a particular amount to the issuer (borrower) for a fixed period of time. At this time, you will get the interest from the borrower and after completing that fixed period of time borrower will return back your money. A long term tool for financial investment.Fixed Deposits – The Fixed Deposit (FD) service is provided by various banks that offers investors a higher rate of interest on their deposits as compared to a regular savings account. Fixed deposits have the maturity date to gain the return on investment.Real Estate- One can also invest in the real estate and deal with the residential and commercial property. This is also a trending way to earn a good return on investment.There are various financial planners, financial managers, trading tips provider who can give you numerous options for investment in the market. But it is essential to choose the options wisely.

This article is designed to be a roadmap for the first time homebuyer or seller. Throughout, I’ll guide you through the many steps of purchasing or selling your property and explain to you in the process how to avoid the most common mistakes. You will also learn both the legal and psychological problems often encountered.For most people, buying (or selling) a home is one of the biggest part of living the “American dream”. It’s also probably the biggest investments they will ever make. Not surprising then, that many find this experience to be very exciting but also worrisome at the same time. Achieving the final transaction and transfer of funds for the property (referred to as the “closing”) can leave many home owners feeling exhausted, even depressed. The same can be said for buyers. However, if the process is done correctly, it can also be both interesting and exciting for everybody involved. The ultimate outcome depends on many factors: time, energy needed to devote to the transaction, thoughtfulness and patience. All these traits are included in the process, and all can have an impact on your bottom line.That’s why preparation is key in any successful transaction. The process, complicated by multiple transactions and waiting periods, can be quite confusing. Real estate transactions require expertise. Those wanting total control of the transaction with a do-it-yourself attitude can make many costly mistakes. So unless buyers and sellers have a solid background in Real Estate, they stand to lose thousands of dollars in any given transaction.Saving on New York Real Estate Attorney FeesTrying to save a few extra dollars on legal fees may sound like a nice idea, especially for those with large down payments. But this strategy may backfire. You may end up being penny-wise, but broke in the long run. There are many detailed procedures involved in the purchase process that the vast majority of consumers may overlook.In one of the biggest purchases of your life, it’s simply not the time to “bargain shop”. Remember the key criteria: if you can’t afford to see the big picture in the transaction you probably aren’t ready to close the deal. The amount of legal fees charged should not be the deciding factor in hiring a particular New York Real Estate Lawyer. You retain a New York Real Estate Lawyer because you trust that they will represent your best interest in the transaction. The bottom line is that you want a New York Real Estate Lawyer you can trust, if trust becomes an issue you are well advised to seek another New York Real Estate Lawyer, no matter how low the fees are. For the most part, a New York Real Estate Lawyers aim to satisfy their clients and keep that satisfaction within the legal bounds of the law –all at the same time. The happier their clients, the busier the New York Real Estate Attorney will be with future clients. So it makes common sense as much as it makes dollars sense to retain a New York Real Estate Lawyer who aim is to achieve the client’s goal in the real estate transaction.
Real Estate transactions involve use of standard legal language. It is quite understandable then, if a buyer or seller do not understand the terms used in the transaction. First-time homebuyers have the worst experience. That is the reason why it makes sense to hire a New York Real Estate Lawyer who can represent your interest and can help you avoid pitfalls and unnecessary problems.
If not detected prior to closing, once a problem occurs, it can take time and money to correct the situation. An attorney with experience in New York real estate law can help steer a buyer or seller away from costly mistakes.What kind of home fits my needs?When buying a home, you have to determine what property will fit your needs. Picking the right kind of property to purchase requires careful planning, organization, and sacrifice. Since most people don’t have the time, real estate brokers can be extremely helpful in letting you understand the many issues you might encounter. The questions involved can be overwhelming. What matters need further inquiry? Which homes come with bad neighbors? There are many matters which you need to inquire about when you look at different properties that interests you. However, some issues are common to most real estate purchases. A simple tip is to determine what borough you like to live. If you plan on living in Queens, Brooklyn, Bronx, Staten Island, Manhattan or Long Island, you may want to deal with a broker in that borough.Coop or Condos?Cooperatives are the most popular property purchased in New York City. One reason for this is a trend away from expense-ridden properties where foreclosures are common. Another reason for coop popularity is convenience. Deals can be less expensive (about half the price of a condo) and may involve less paperwork in the closing. Less financial stress and fewer headaches might sound good, right? But what most buyers don’t know is that when you buy a co-op, you’re NOT buying the physical apartment. Actually, you’re buying “shares” of a corporation that owns the building which contains the co-op on its land. Also keep in mind that, just like any other company, a co-op has officers such as a president, a vice-president and a treasurer. And just like any other company they’re responsible for the well being of the coop. If the coop suffers a financial meltdown, you could lose your apartment investment altogether.What happens if I do decide to buy a coop?You receive a stock certificate and a proprietary lease.The co-op requires that each coop owner pay a “maintenance fee”. If you own a condo, you’ll be paying a “common charge.” Usually, the monthly fee paid by a shareholder is almost double the fee paid by condo owners.Sometimes a co-op only “owns” the improvements, and some other company or organization owns the land. This form of co-op is not the normal situation, but it does exist. Your New York Real Estate Attorney should be able to assist you in determining if you are purchasing such a property.Where does the maintenance fee go? How is the money spent?When an “entity” (i.e. some organization or other company) holds a mortgage of the co-op, the coop corporation must pay a monthly mortgage payment to the bank. The “maintenance fee” charged to coop owners helps the corporation offset this cost. By charging each shareholder a charge per share the “maintenance fee” helps pay the city taxes on the property as a whole and pay for the expenses in maintaining the property (such as the superintendent or doorman) The “common charge” for a condo helps offset the expenses associated with the maintenance of the building. Elevators, painting, cleanliness and any landscaping all require funding not to mention the common areas of the residential unit.It is important to note that the monthly fee is not fixed. Just like rent, it can be increased. In buying a condo, however, you are buying a portion of the physical building in which the apartment is located. You then own part of the building and will receive a deed to the property that shows that you are the legal owner. The common charges for condos usually tend to be stable. Most co-ops require that a seller receive approval by the board before attempting to sell. Likewise, the buyer must also be approved by the board to make sure that the buyer will be a “responsible” co-op owner. One exception to this situation is when the coop has a special status as being a “sponsor unit”. That means that when the building was converted into a co-op, the co-op conversion plans allowed the sponsor of the building to reserve the right to sell unsold shares without board approval. If you are purchasing the co-op from the original sponsor, then most likely you will not need to get board approval. The same applies to subletting the unit. In most cases you’ll need permission. In some cases, purchasing the unit from the original sponsor, may entitle you to the same rights and privileges as the sponsor.Recently after the cost of fuel skyrocketed, many co-ops and condos monthly fees increased. So when buying a coop or condo make sure that you understand the financial future implications. Ask for the financial information before signing on the bottom line.Should I buy a single or multi-family residence?One of the most common dilemmas encountered when purchasing a home is whether to buy a “single-family home” or “muti-family home”. Common sense dictates that a single-family home will cost you significantly less than a multi-family home, and will appreciate accordingly. What are the advantages? The peace that comes with it is enticing for some. Not having to deal with renting to strangers, and the headaches of hiring (or being) a landlord. However, on the other side of that argument, a multi-family home can be a financial plus: the rental income helps with the monthly mortgage payments and makes ownership less financially stressful.How can a real estate agents help me?Normally the first person you may have direct contact with in the purchase or sale of land or residence, is a real estate agent. Most people use them rather than do it themselves. The agent works for his or her supervisor, and they are called “brokers”. The kind of relationship you have with the agent can have a major impact on how well you as a buyer or seller, understand the initial process, and transaction. Two important points: Agents can normally provide good advice and suggestions regarding your purchase or sale. Since they’re well-educated in both the property markets and their field, they are can give you past performance for a particular property. However, although the agent may seem to work for you, unless expressly contracted for, they normally work for the seller!What is a Binder? Why is it important?A binder (otherwise known as an “offer to purchase”) is the first document secured by a minimal money deposit. You will normally sign a binder at the moment that you decide to make the seller an offer to purchase. This tells the seller that you are serious about making the purchase. Once the Binder Agreement is executed, the real estate broker or agent will present it to the seller. If accepted, the property will no longer be shown to potential buyers. It is important to note that the binder, unlike a contract of sale, is subject to a time limit. Unless the binder details the money to be refunded, it will be forfeited under most circumstances.What should I know about the “Contract of Sale”?The contract of sale is the first formal stage of the buying and selling process. When you have retained a New York Real Estate Lawyer and have made an acceptable offer, at this point in time, you and the seller will sign a contract of sale. The seller’s New York Real Estate Attorney will normally draft the contract and then the buyer’s New York Real Estate Attorney will review the contract to make sure that you are protected from any future problems (both legal and residential issues).It’s also important to note that when the buyer signs the contract, a “Down Payment” is given to the seller for the seller’s New York Real Estate Attorney to hold in a special account called an “Escrow”. The seller’s New York Real Estate Attorney is required by ethical rules to do so. However, not to worry: the entire amount will of course, be credited to the buyer and applied to the final outstanding balance at “closing.”The biggest mistake a buyer or seller can make is signing a contract of sale before getting adequate legal representation. A contract of sale is an agreement to purchase and sell the property. Once it’s signed, it becomes a legal document. If you change your mind and want to change the terms of the agreement or if you want out of the transaction altogether, then you will find yourself in an extremely frustrating legal bind. That’s why an experienced New York Real Estate Lawyer is necessary throughout the process, especially at the beginning stages. The contract of sale dictates exactly how the transaction will proceed. It says how payments will be made and collected, and contains all the important details. Tell your New York Real Estate Lawyer every detail which you think is important and essential to you intensions. For example, maybe you are selling another property while simultaneously buying a home. Since the sale of your property is a condition, that condition is a major detail that you should tell your New York Real Estate Lawyer since, the other “party” may have not accepted your offer had they known such a condition.Another issue that sometimes comes up is the issue of occupancy. Generally a house is sold vacant. However, if you would like to keep the existing tenants, it is a good idea to tell your New York Real Estate Lawyer (assuming it’s not a new construction), and that by itself can save you time and hassle in the process of renting the property later on.As a seller, should I have my home inspected?Home inspections can sometimes make or break the deal. A New York Real Estate Lawyer can secure a condition in the contract of sale which allows the buyer to refuse to purchase the property if the home inspector determines that the structure is not physically sound. Termite problems or signs of other wood-destroying insects are great reasons for a buyer to opt out of the contract. In such cases the seller usually return the buyer’s down payment and everybody walks away from the table. Home inspections are relatively convenient, inexpensive and will save you a lot of time and money.Finding a New York Real Estate Lawyer?When looking for legal representation, most importantly, you want a New York Real Estate Attorney whom you feel comfortable with. If you don’t feel comfortable with a particular New York Real Estate Attorney, chances are that you will not have a good working relationship.An experienced New York Real Estate Lawyer, who you feel comfortable with, can be greatly beneficial in explaining and reducing the mystery out of buying or selling real estate in New York. Your New York Real Estate Lawyer can review and prepare the contract of sale, order title insurance, and conduct key parts of the transaction. Making sure the property you are purchasing has no undisclosed liens. If they do exist, your New York Real Estate Lawyer can take care that they will be satisfied prior to the closing.The last thing you need is to have doubts and questions about your transaction. You want to make sure that after all the documents are signed and notarized, that you understand what just happened and that you are confident that everything was done correctly.When should I close the deal?The closing is the climax of the transaction. The buyer’s New York Real Estate Attorney is normally the ringmaster who coordinates the time and place of the closing. The closing is where the parties meet to finalize the deal. Normally the parties you will see at the meeting are the seller and their New York Real Estate Attorney, the bank’s New York Real Estate Attorney, and the title representative. What occurs at the closing table can be broken down to three major steps:The bank makes the loan to the buyer and in return the buyer gives the bank an interest in the property (Mortgage)The buyer turns that loan over to the seller and in turn receives a deed from the sellerThe title company makes certain that the seller does indeed own the property they are transferringUnless there are any serious outstanding issues, the closing can take about 2-3 hours. At this stage, the buyer should have obtained homeowners Insurance prior to the closing. Since not all insurance companies charge the same prices for the replacement value of a house you might want to shop around before the closing.Lastly, a day or two prior to the closing, it’s always a good idea to do a walk though of the property to make sure that it is in the same condition as when you decided to buy it.

Step 1: Choose to Believe in Yourself

What would have happened to our country if Abraham Lincoln hadn’t chosen to believe in himself? He had every reason not to. But he chose to believe in himself and God and to persist. Because of this, the world was blessed in a profound way. We do a disservice to ourselves and the world when we don’t believe in ourselves.

Step 2: Define Who You Want to Become

The key to determining who it is you want to become is to review your deepest, inspired yearnings. Most have felt but lost this powerful yearning because of fear, feeling they aren’t enough, not trusting in yourself and God, others imposing their will, and because of mistakes. They allow self-limiting and false beliefs to smother out the flame. Sometimes we must use kindling, relight the fire, and slowly nurture it along.

Step 3: Determine What Your Most Noble Passions Are

One of the most important things you can do to make a real difference is to identify and focus on your noblest passions. We can learn so much from Viktor Frankl – who discovered why some were able to survive the horrors of Nazi camps – despite all odds. When you focus on noble (vs. self-centered and destructive) passions – you are blessed in all areas of your life and make a critical difference.

Step 4: Uncover Your Talents and Turn Them into Strengths

Trust that you have natural talents that you can build upon and that they will help you fulfill your purpose. Consider the parable of the talents. Invest in your natural talents and turn them into strengths – so that you grow quicker, find greater joy, and accomplish more.

Step 5: Identify Where There are Needs and Go to Work

To make a living, you also need to focus on needs that are in the marketplace. What position or business aligns with your sweet spot, and will best provide you with the income to support you and your family?

If you have ever had difficulty opening up to people, being less reserved, or expressing yourself, then you know that it takes a lot to step outside your comfort zone. In this article, we’re going to teach you the 7 most effective ways to step outside your comfort zone and achieve what you have always been wanting.

Set Clear Goals and Be Positive About Achieving Them

If your ultimate goal is to break out of your shell, you should have a mental plan as to how you are going to go about doing this. Having a plan like this will help establish smaller, more attainable goals that will help you accomplish your big end goal. As Oliver Page, M.D. writes in “How To Leave Your Comfort Zone and Enter Your ‘Growth Zone,’” self actualization, which you can achieve through setting smaller goals and completing them, is an important process in becoming the person you want to be.

Have Fun And Don’t Take Life Too Seriously All of The Time

Set aside your pros and cons list for this one, because taking your life in your hands and ignoring your fears does not mean that you can’t have fun. Being too paranoid about your future and whether something will be a positive or negative experience is not productive. Instead, try to set aside your fears and leap into the unknown.

Learn Something You’ve Never Done Before

If there has always been something you’ve wanted to do but have never done, why not do it today? Don’t worry if you have no experience; beginner classes exist for a reason! Perhaps you have always wanted to try skydiving or pottery. Or maybe you aren’t exactly sure what to do, but you know you want to try something different. If you feel this way, you have free reign just to do it. The easiest way to learn something new is to sign up for classes at your local civic center, community college, or dance theater.

Take Lessons From Your Failures By Changing The Way You Do Things

Failing at something is the perfect opportunity to get up and try again. However, if you don’t analyze where you went wrong and change the way you behave going forward, you’ll probably end up with the same result. In this way, making those changes is crucial in order for you to move forward and break out of your shell.

Make Friends with People Who Influence You To Get Outside of Your Comfort Zone

The old saying “Show me who your friends are and I’ll show you your future” might have some truth to it. Hanging out with friends who are adventurous could possibly be a great thing for your future; friends who inspire you will often bring out the best in you. While you don’t have to make friends with extreme risk-takers if that is not what you are interested in, having spontaneous and fun friends will help you learn the ropes of an adventurous life.

Change Up Your Daily Routine

If you need to make gradual steps toward stepping out of your comfort zone, that is okay. Start by making small amendments to your daily routine. For example, it can be as simple as taking the scenic route to work or having a conversation with someone new while getting your morning coffee. Once you do things like this, you’ll find yourself becoming more comfortable with making bigger changes in your life.

Do Things That Help Other People

Sometimes, when we focus too much on what’s wrong with ourselves, we can get overwhelmed and lose focus on what’s really important. While you are making all these big changes in your life, sure you keep a clear head and continue to feel positive about yourself. The best way to do this is by helping others; for example, signing up for peer tutoring, volunteering at a food bank, or simply helping a friend with something important are great ways to step outside of yourself and your comfort zone.

With the help of this article, we’re certain that making a step outside your comfort zone will feel like second nature to you. In the comments, tell us about a time when you took a risk and it paid off.

Do you think that you’re the smartest person in the room at work? Are you able to do work that you know your coworkers cannot match in terms of volume as well as quality? Is it obvious to you that you are more qualified than anybody on your team? Is it also true that you’re not getting the kind of raises and promotions you feel you deserve? If any of this resonates with you, you might want to look at your emotional coping skills.

Understand that the modern American workplace doesn’t just turn on intelligence. It would be so simple if all it takes to be promoted and to get a raise is to be smarter than the next guy.

It’s not unusual for people who are obviously less intellectually gifted to get promoted not just once, twice, but all the way to the top. What’s going on? Well, a lot of success may turn on intelligence scores. In fact, in study after study, IQs have been correlated to life success. IQ tests are almost universally accepted as a good indicator of overall life success. But this begs the question, “how come people with high IQs don’t always become successful?” In fact, if we’re talking about really spectacular levels of success, when factoring in IQ, it’s a wash.

Now there are other factors. Maybe you’re related to the old boss, maybe you are a part of the right group or you came into the picture with all sorts of advantages. But if we were to account for all of that, there is one other factor that shines forth. It cannot be ignored. This is called emotional intelligence.

One key part of your emotional intelligence is your skill in coping emotionally with certain social situations. This might be holding you back. If you have a tough time dealing with completion and you tend to say the wrong things it the wrong people at the wrong time, don’t be surprised if this all blows up in your face when it comes time for a promotion.

If you find yourself always locked into some sort of negative emotional feedback loop with certain types of personalities in your office, don’t be surprised if this has a negative effect on your career trajectory. These situations impact your emotional coping skills.