Technology

Confidential Cash Flow Factoring – Turn Accounts Receivable Into Your Best Financial Strategy AR

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We’re going to demonstrate how a little-known and, in our opinion, almost secret strategy called Confidential Cash Flow Factoring can turn your accounts receivable into a virtual cash flow machine, turning AR financial hurdles into cash flow solutions. of cash.

Search engine analysis will show you that thousands of Canadian businesses are searching every day for what they hopefully believe will be valuable information on today’s most popular business financing method. By the way, those businesses, of all types and sizes (including Canada’s largest corporations) want to know why cash flow factoring offers unlimited cash flow unlock based on their sales and receivables.

Initial explanations and summaries to clients sometimes bog down on key issues such as the cost of this AR financing method and, just as important, is the unwillingness of some clients to accept how the invoice is discounted (that’s another name for this type of financing). plays.

Canadian business owners and financial managers want you to like a good thing, while also wanting to know how it works and how to avoid the pitfalls. Let’s look at the ‘how it works’ part first, and then share with you the method that we believe eliminates the top perceived pitfalls seen by many businesses considering this type of financing.

We will focus on small and medium-sized businesses (larger corporations have access to all types of financing and external financing strategies), while small and medium-sized businesses in Canada tend to rely on their own cash flow to fund their continued growth. and its operation. capital. In fact, many businesses realize they have the potential to increase sales and profits, but can’t due to a lack of working capital.

Let’s get back to ‘how it works’! Accounts receivable cash flow factoring is the continuous sale, in whole or in part, of your sales invoices as you generate them and deliver products and services to your customer. Bills are purchased at a 1-3% discount from yourself, and you receive cash, 99% of the time the same day, for those sales. So, in effect, all of your sales are now fueling that cash flow machine you’ve turned your business into.

So far so good, right? Where complications arise, especially in Canada, is the fact that this type of financing requires your client to be notified of the process, directly or indirectly, and payments must be sent to your financial factoring company. Canadian companies, in our view, are reluctant to involve their clients in their internal financial policies and challenges. As a result, many companies are skeptical of entering AR financing in this way.

There is a solution? We told you there was – it’s a breakthrough called confidential invoice discounting. This type of financing is the same cost, allows you to bill and collect your own accounts receivable, and you get all the benefits of that cash flow factoring machine we turned your business into.

Talk to a trusted, credible and experienced Canadian trade finance advisor who can place you in a suitable AR finance facility, allowing you to reap the benefits of cash flow invoice financing while allowing competitors to , customers and suppliers remain. exactly where you want them to be, outside of your financial strategies and challenges! Let your competitors try to figure out how you’re doing so well in both growth and profits.

Business

Criminal Liability in Companies in Spain

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A new law recently introduced in Spain on December 23, 2010 has gone a long way in creating greater transparency and accountability on the part of companies and other legal entities. This law has established that a legal person (for example, a limited liability company) can now be considered criminally liable and duly accountable for it. This new figure renews a tradition of many centuries in which it was considered that only people could be criminally responsible. The new law establishes that legal persons can now be held criminally liable in the following cases:

1) By themselves or in their place by the administrators who represent them

2) Any other person who, on behalf of or depending on the administrators of the company, has carried out a criminal act in relation to the activities of the company.

However, the criminal liability of a company does not in any way exclude the criminal liability of the people who are behind these activities and who ordered them. The figure of the criminal liability of directors or any other legal representative of the company has existed for a long time and covers areas such as fraud, bribery, private bribery (new figure introduced in the same law), money laundering, responsibility before the tax administration or social security, against the environment, urban planning or against the rights of workers.

The sanctions provided for in the new law can be serious and range from the total dissolution of the company or legal entity, the temporary suspension of its activities, the temporary closure of some or all of the premises in the name of the company, the prohibition of entering into contracts with the public administration or even judicial intervention, as well as financial sanctions.

However, it should be remembered that companies can avoid being held criminally liable if they are deemed to have exercised a sufficient degree of control (due diligence or corporate compliance). For this reason, since the entry into force of the new law, many companies have implemented corporate control and compliance systems with the aim of avoiding future claims for criminal negligence. Previously only introduced by larger companies or multinationals, these systems are now finding wider acceptance by small and medium-sized businesses. These new measures are expected to improve consumer confidence in an environment of distrust towards the practices of many corporate entities.

Home Kitchen

Stallion Care – Dos and Don’ts

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Do you already have your ferret at home? Congratulations on becoming an owner. Being a proud ferret owner also comes with great responsibilities. So what should you do to provide the right kind of care for ferrets? Here are some pros and cons for you:

behind

o Provide a comfortable home – If you have a cage for your ferret, make sure it is spacious enough for him to live in. And since they spend most of their time sleeping, it is important that it be comfortable and good for resting. Provide the floor of the cage with bedding to cover the gaps, this is to prevent the ferret from getting stuck and hurting itself. You should also have a sleeping bag for the ferret to sleep in; When the weather is cold, ferrets like to sleep inside to keep warm. This helps maintain your body’s natural temperature. And when the temperature is warm, it is also good to have a ferret hammock inside the cage. They would be sleeping here to get good air circulation. It would also be nice to have a water bottle so that they can easily drink water when they need it. It would also be good to provide a dark area in the cage to protect the ferret from sunlight and artificial lights.

o Ferret proofing: Makes sure your home doesn’t have any small holes, cracks, or crevices that the ferret can climb in and hurt itself. If you find any of these, repair them. You would also need to check your electrical wiring, make sure the ferret cannot reach them. You will need to purchase safety covers to protect your electrical outlets and also cover your electrical wiring if possible. If you can’t do it yourself, it would be good to hire an expert to set it up for you.

o Diet of ferrets: the food we provide them must be rich in protein and fat, since these two nutrients are the basic needs of their body. It is up to you to decide if you want to offer a single brand food or you want to provide a variety of diets. As long as the diet provides 35% protein and 20% fat.

o Annual check-up and vaccinations: Having an ongoing check-up with the vet helps prevent the ferret from acquiring diseases by taking its regular vaccinations. And it is also good for detecting symptoms of the early stages of the disease.

not to do

o Snacks – When giving your pet snacks, be sure to avoid fruit and sweets. These could cause obesity, tooth decay and could also endanger your ferret. A disease that is common in ferrets called insulinoma is often caused by feeding snacks and sweet foods. If you want to give your ferret a treat, it is recommended to give it boiled eggs instead; it is good and beneficial for them.

o Dairy products: should also be avoided.

o Nuts and Nuts products cause nutritional problems for ferrets and should not be fed.

o Cereals and vegetables are not digestible for ferrets. It is better to avoid giving this type of food.

o Onions are poisonous to ferrets, you should definitely avoid adding this ingredient to the food you feed them.

By knowing what to do and what to avoid, we are equipping ourselves with the knowledge to keep our ferret healthy and able to live a longer, happier life.

Auto

10 Free Multiple Choice Questions – CCNA Practice Exam – 640-802

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Cisco Certified Network Associate (CCNA)

After studying textbooks, it is important to assess your newly acquired knowledge and see how well you have absorbed the material. take exams…

– Reinforce what you learned – fill in the blanks for what you missed
– Get used to answering questions to build trust and familiarity.

Here are 10 multiple choice exam questions for you to practice:

Question 1#: Which of the following are ways to provide login access to a router? (choose all that apply)

a.HTTP
B. In the Ports
C.Console
D.LLC
E.Telnet
f.SNMP

Question 2#: Which statement is true regarding the exec user and privileged exec mode?

A. Both require the enable password
B. User exec is a subset of privileged exec
C. The ‘?’ only works in privileged executive
D. They are identical

Question 3#: This standard modem has a speed of 28.8k and has error correction functions.

AV42
BV32bis
CV90
DV34

Question 4#: What would be the proper command to set a 56k DCE clock rate for a serial interface?

A. Router(config)# clockrate 56000
B. Clock speed of router #56000.
C. Router (config-if) #clock rate 56000
D. Router(config-if)# clockrate 56k

Question 5#: What is an example of a MAC address?

A.Az32:6362:2434
Bachelor BA: 281x: 8288
C.101:354:665:8734:ffd6:8023
D.A625:cbdf:6525

Question 6#: Which command does not show that two devices cannot correctly route packets between them?

a.show interface
B.trace
c.telnet
D.ping

Question 7#: You are designing a network that needs to support 200 users. It does not plan to expand the segment beyond the current number of users. Which subnet mask would best meet your needs? Select the best answer.

A.255.255.0.0
B.255.255.255.0
C.255.0.0.0
D.255.224.0.0
T.255.255.255.200

Question 8#: MAC is to Ethernet what ________ is to Frame Relay.

A.DLCI
B.LCI
c.PVC
Re. None of the above

Question 9# – The 802.2 frame specifies a type while the 802.3 frame specifies a length:

A truth
B.False

Question 10#: What is used to see if a client is still connected to a NetWare server?

A. TCP/SAP spoofing
B. Surveillance package
C.GNS Round Robin
D. DNS round robin

ANSWERS

Question 1 – Correct answers: B,C,E
Question 2 – Correct Answers: B
Question 3 – Correct Answers: A
Question 4 – Correct Answers: C
Question 5 – Correct answers 😀
Question 6 – Correct answers: A
Question 7 – Correct answers: B
Question 8 – Correct answers: A
Question 9 – Correct answers: A
Question 10 – Correct answers: B

Digital Marketing

Viral and direct marketing

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Marketing techniques are innumerable. There are many ways to approach the potential client. There are two marketing approaches that are very interesting due to their specific techniques. They are viral marketing and direct marketing.

Viral Marketing is a marketing technique that uses social networks, both online and offline, to transmit the message or advertising, through a self-replicating viral process. This process resembles the spread of computer viruses or biological viruses.

Almost anything can be the subject of a viral marketing effect: information, web link, video clip, e-books, etc.

Viral marketing expansion methods can be:

Word of mouth: simple communication between people who know each other.

Social networks like Facebook are the perfect examples of viral media. The number of people using these services is huge. Members of these social networking environments are very well connected as each user has many contacts. Finally, the method to share an idea or message is very simple, through different sharing techniques.

Calls “Invite your friend” from different electronic services. These messages that provoke actions are moving an important part of the population that wants to share the message, but is not willing to invest effort.

The advantage of viral marketing is that it requires very little or no investment. The viral marketing system is driven by the willingness of the transmitters to spread the message further. The power of exponential growth is tremendous. If each person distributes the information to 5 people and more, this gives 3,125 people informed after 5 levels from the transfer of the original message. Viral marketing experts know this formula very well, therefore, viral marketing is part of the portfolio of marketing techniques.

The downside is that viral marketing is not reliable as a standard method of information transfer, as not all ideas are likely to transfer at the same rate. Simply, the result of the viral marketing campaign is unpredictable, since the power of the campaign depends on many parameters.

Also the “viral competition” dictates the effectiveness of the viral campaign. If two similar campaigns are present in the same period to a similar audience, the social group is likely to transfer the message that seems more interesting at that moment.

There is no secret formula to guarantee the success of a viral marketing campaign, but good ideas, with a tone of humor, anticipation and value-added elements can help make a viral marketing campaign successful.

On the other hand, direct marketing is a sales method where advertisers approach potential customers directly with advertising, products, or services. The most common methods of direct marketing are telephone sales, requested or unsolicited emails, catalogues, leaflets, brochures, direct visits, etc.

There are two main differences that distinguish it from other types of marketing. The first characteristic of direct marketing is that the message is transferred directly to consumers, without using intermediate means of communication or mass media campaigns. The second feature is the “call to action” principle of communication to consumers.

Direct marketing is attractive to many companies as the results of the campaign can be measured directly. For example, if a marketer sends out 5,000 emails and 250 respond to the promotion, the company easily calculates that the campaign gave a 5% response rate.

On the other hand, the measurement of other media (TV, Radio) must often be indirect, since there is no measurable calculation of the recipients of the messages. The measurement of results is a key element of any activity.

Direct marketing is practiced by businesses of all sizes, from the smallest start-ups to multinational corporations. The decision to use the direct marketing approach is not related to the size of the company. If the niche of the target population is too small, direct marketing can be more profitable than a large-scale advertising campaign.

Direct Marketing and Viral Marketing have completely different approaches. The power of both marketing approaches can be harnessed, depending on the situation. Each person is the potential buyer, it only takes a little bit to activate the buying mechanism.

Relationship

Sony Ericsson W595 Sakura – Choose your best phone

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Mobile phones have changed the world for the better. Communication has grown by leaps and bounds and businesses have grown tremendously. There are many mobile manufacturers in the market and one of the ones that has always given us the most elegant and efficient phones is Sony Ericsson. The Sony Ericsson W595 Sakura is an excellent 3G phone from the Walkman range. It has a slide open feature which is very comfortable to use and the keys are well spaced for user comfort.

It comes in a range of eye-catching colors – Jungle Grey, Lava Black, Ruby Black, Cosmopolitan White, Active Blue, Peachy Pink, Sandy Gold – giving the wearer a wide choice. It has an impressive 2.2-inch screen capable of displaying 256k colors at a resolution of 240 x 320 pixels. The Sony Ericsson W595 Sakura is quite stylish and lightweight with dimensions of 100 x 47 x 14mm and weight of 104 grams which makes it quite easy to carry around and can be operated with one hand.

It works on 2G (GSM 850/900/1800/1900) and 3G (HSDPA 2100) networks. Connectivity features include GPRS, EDGE, HSCSD, 3G HSPDA, Bluetooth technology and a USB port. These features can be used to connect to the Internet. The user can visit their favorite sites at very fast speeds on the go. These features can also be used to transfer and share data from other compatible devices, such as printer, laptop, PC, etc.

The user can visit his favorite sites using the Internet Access NetFront browser, which is very easy to operate. The user can zoom in on the subject without altering the image quality using the 2.5X zoom function. The integrated digital camera has all the camera options that can be fully exploited to capture the right image. It has various video capabilities like video recording (15fps), video playback, video streaming, etc. The user also has the option of image blogs and video blogs.

The most popular feature of this phone is the Walkman music feature. The user can enjoy their favorite music anytime, anywhere with very high quality sound (as expected from Sony) and easy-to-use music features. The large screen allows the user to easily navigate through their music collection and even view album art with ease. The Sony Ericsson W595 Sakura has the cool Shake Control feature whereby the user can change their song just by shaking the phone. The SensMe function can be used to create a music playlist based on style, mood and type of music. The user can use the TrackID music recognition function to get all the relevant information about a song, such as name, artist, album name, etc., just by recording a few seconds. The PlayNow feature allows the user to perform quick and easy downloads. The W595 also comes with a built-in FM radio function with RDS so that the user can tune in to their favorite stations whenever they want.

The internal memory is 40 MB with a 2 GB card included, which means that the user can store a lot of songs, images and videos on his mobile. In case the user feels that they need to increase the memory, a MicroSd card slot is included which can be used to expand the memory to 8 GB. Gamers need not worry as the Sony Ericsson W595 Sakura comes preloaded with a very interesting game called Guitar Rock Tour, plus you have the option to download many more 3D and JAVA games. Fully charged, the W595 provides a talk time of 9 hours and a standby time of 385 hours. An amazing phone with all the right features and technologies, it has an even more impressive music player that makes it a must buy!

Health Fitness

Bruce Lee Workouts – Top 5 Bruce Lee Workouts Used

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Was there any “secret” in Bruce Lee’s workouts?

Although Bruce Lee discontinued his bodybuilding workouts, in favor of circuit training and isometric exercise. (He felt circuit training and isometric exercises were more effective at building functional strength rather than just muscle mass.) I felt it was important for everyone to have an idea of ​​what their free weight workouts were like.

His initial weight training program was prepared for him with the help of two bodybuilders who were close friends and were studying Jeet Kune Do. (Bruce Lee’s style of martial arts.) He was initially on a three-day-a-week bodybuilding program.

The program consisted mainly of basic exercises. Like barbell curls, pullovers, clean and jerk, as well as full squats. This program was nothing spectacular, but it served Bruce well from 1965 to 1970. Bruce Lee realized that working out every other day would allow for the most important aspect of all training, which is rest and recovery. With this program, his body weight went from about 130 pounds to a maximum of 165 pounds. This program worked wonderfully and Bruce’s body responded very quickly to resistance training.

Unfortunately, Bruce Lee didn’t like the new added muscle mass. He felt it slow him down and his weight gain made him feel very heavy. Bruce’s motivation for taking up weight training was not to build a big, bulky physique, but rather to increase his strength and agility for use in martial arts.

Here is a small sample of Bruce Lee’s workouts:

clean and press

squats

bench presses

Hello

bar curls

Unlike what we all saw in the Bruce Lee the Dragon movie, it wasn’t a blow to the back that landed him in the hospital. Actually, it was an injury that he suffered while doing “good morning”, which is quite a dangerous exercise. Good morning puts stress on the lower back. In fact, most personal trainers will no longer allow you to do this exercise due to the high incidence of injury from its application.

In future articles I will give you a deeper insight into Bruce Lee’s workouts.

Legal Law

Dream Debate: Freud’s Dream Theory Hobson Vs. Solms (2006) DVD ISBN 0-9786608-2-X

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A powerful debate can be a great tool to persuade people to your point of view. In the case of “Dream Debate” the issue is not persuasion or deterrence, but the instigation of the independent mind.

Allan Hobson is a professor of psychiatry at Harvard Medical and makes the dissenting argument that Freud’s theory of dreams is outdated and incorrect and should therefore be discarded. A rather foolhardy fellow, however he is extremely intelligent and represents his own replacement theory with great enthusiasm. Dr. Mark Solms of the University of Cape Town represents the opposing view supporting Freud’s dream theory as still very relevant and worth saving. He proposes that since Freud’s theory cannot even be partially discredited, it cannot be abandoned and, in fact, must be embraced because of the wide range of positive influences it has had on the field of dream theory.

Dr. Hobson’s research specialty is quantifying mental events and correlating them with quantified brain events, with particular reference to wakefulness, sleep, and dreams. He believes that dreams are created when random energy signals reach the cerebral cortex during REM sleep. The cortex tries to make sense of the random inputs it receives, which triggers dreams. Dr. Hobson clearly dismisses the idea that there are deep, non-physiological or hidden meanings in dreams. He calls such notions “the mystique of the fortune cookie dream interpretation.” For years he has proven his theories through laboratory tests with mice and human subjects. However, Hobson does not explain how the phenomenon of lucid dreaming, in which the dreamer is in control of the content, fits into his theories. (One question posed by an audience member involved lucid dreams, discussion of which Hobson avoided.)

Mark Solms follows an ideology closely related to that of Freud. Psychoanalysis emerged 100 years ago as a treatment for neuroses. Neuroses were defined as “functional” disorders of the nervous system, in which no perceptible abnormality could be found in the brain. The prevailing view was that the physical causes of neurotic illness would eventually give way to advances in scientific technology.

Freud, however, based psychoanalysis on the observation that neurotic symptoms violated the established laws of functional anatomy; neurotic symptoms simply did not make sense from a physical point of view. In contrast, when one took the patient’s personal point of view seriously and reconstructed the emotional history of the illness, the symptoms did make sense. For example, although the abnormal sensation on one side of the face of a hysterical patient did not fit the somatosensory neuroanatomy, it did make sense subjectively: the symptoms first appeared when the patient was slapped across the face in humiliating circumstances, for Reasons not yet known. She felt intense guilt and shame. In short, Freud observed that the essential nature of neurotic symptoms should be described in subjective terms, using concepts such as remembering and feeling rather than objective.

The content of the DVD is very articulate, concise and quickly pleases the fascinated listener. The rebuttals are charged with conviction and determination, and both speakers are very forceful in carefully explaining their positions. The quality of both audio and video is excellent for a DVD of this type, and the inclusion of extra features makes this DVD an even better buy. What cannot be valued is what can be learned by listening to this excellent debate, which shows us the relentless need to pursue the unknown of the subconscious and the brain.

Lifestyle Fashion

How to know if your crush is taken

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So you have a huge crush on someone at school and you’re ready to ask them out, but you’re not sure about doing it because well, “they’re perfect, they probably already have a boyfriend/girlfriend.” Surprisingly, you will discover that many of the people you like are probably not taken or will soon be single. 99.9% of the time the person you like likes you. It is a fact! No, it really is. My teacher said so. Always believe your university professors that’s why they studied for years. Anyway, I thought that I could tell you some things that are quite obvious to my eyes to know if the person you like is in love or not. I know many of you will probably say, “Dude, just ask them!” Unless you are an extremely brave and careless person whose nerves never go away when you see her, go ahead and ask her. Maybe she doesn’t think you’re weird for asking such a private question. Maybe you can use this guide before she actually tells you, “Yes, I have a boyfriend.”

The following applies in the scenario where you talk to your crush and she (or he, but I’m using her) meets you and you talk at work or school etc. frequently.

The panorama

Cell phone obsession:
It’s 2010 and just about every human being has a cell phone these days. Use your cell phone understanding to find out if the person you like is in love. If a person has a boyfriend or girlfriend, they will constantly text her, call her, or keep their phone next to her at all times. Now, yes, for sure the person you are texting can be a friend. There is another way to block your reply. But first, take note:

– Does the person you like send you text messages constantly? Texting too much to the point where he doesn’t even look at you while you’re talking?
– Is your crush always on the phone? Perhaps he is leaving class and immediately picks up his phone and calls someone. Does he pay attention to you or ignore you and press the phone to your ear all the way to his car?

a nosy wallpaper
Another way to know if the person you like is to take the wallpaper of his cell phone. Being nosy may not be a good thing, but you don’t have to put your face on his phone to find out! It has to happen: you two are talking and she puts down her phone. If you are close to each other, which you probably will when you talk, you will easily notice it. Just look at it. Don’t look at it! Glazed. At the top you will notice:
A) There is a child your age or a little older who seems
B) There is a boy and her together, hugging or kissing
C) She is with a girl playing hard
D) There’s a picture of her making a fish face or throwing a peace sign

Occasionally, there are other rare photos of members of your family, or perhaps a baby that could be yours or your brother’s. If there is a boy, and he doesn’t seem gay, it will surely be his man. You can usually tell when it’s his boyfriend or just a friend. If she is with another girl and they seem very friendly, then they are friends. If she has a picture of herself, there you have it, she is in love with herself. All together, many have photos of their boyfriends/girlfriends on their cell phone wallpaper. Why wouldn’t they?

listen wisely
It will happen. They are both walking to their cars after class and their phone rings. She answers as you two walk side by side. Stand still and take note.

– Can you hear the other person’s voice on the line? Is she a woman or a man?
– Grab some phrases, what are they talking about? “Dad’s home? I’m on my way.” ~ “Will you pick me up tonight?” or “Tell Jenny not to eat the leftovers!”
– Did he say ‘I love you’ like any other person taken when they hang up the phone with their love?

meet your crush
If it’s a relatively new crush you’re having, it will be easier to get to know the person right away without feeling like you’re reading their diary. Here are some things you can do to start a decent conversation that can lead to more details you didn’t expect to know. Depending on your answers, you’ll also notice a few things in this category.

– If she’s been taken, you’ll know immediately. Most of the time they will mention their boyfriend or girlfriend right away and start a semi-personal conversation. “Once my boyfriend…”
– Does he mention a person a lot?
– Does he talk to you about friends in general? Or maybe he keeps mentioning “this friend” over and over again.

If you get along well enough, you can innocently start a semi-personal conversation by asking opening questions like, “What do you major in?” which more often than not escalates to “Really? So you live nearby?” & then “You graduated from what school?” She pretty much always brings her up to talk about her friends from high school, or how she was on the high school basketball team, etc. etc. Eventually, believe me, she will feel comfortable enough to ask you questions that will allow you to answer them. “What did you do last summer?” – “Last summer I went to Los Angeles with my ex-girlfriend, what did you do?”

How to know if your crush likes you?

Well, this is another topic. Rest assured, your crush doesn’t mind being around you, talking to you, or maybe waiting for you after class to walk you to your car. You can safely say that he likes you ;). If he likes you, he likes you, I don’t know. You’ll have to find out for yourself, friend. The key is to notice! Many times your crush will follow you after class if you don’t expect them.

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Real Estate

What types of commercial property should you invest in?

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When it comes to commercial real estate investing, investors often want to know what types of properties they should consider investing in. This article is about 5 groups of properties and the reasons why you should or should not consider them.

1.Earth: People who invest in virgin land often expect to buy farmland near commercially zoned land for a few thousand dollars per acre. They dream that their lot will be rezoned as commercial in the near future, which is worth hundreds of thousands of dollars or more per acre. People who convince you to invest in virgin land are often trying to sell you on this dream. While this dream actually happens as if it is possible to hit the jackpot in Las Vegas, the reality is that most investors lose money or get little return on their land investment. It is a very risky investment as the land generates little or no income. From an income tax standpoint, the value of the land does not depreciate, so you cannot claim depreciation. In addition to that, the interest rate on the land loan is also very high compared to other types of commercial properties. Therefore, each month, you would need to get money to pay the mortgage without charging anything. You should consider investing in land if

– Know how to develop in order to convert vacant land into a shopping center.

– Know exactly what you are doing and have a deep pocket.

– Own the land of a shopping center (you do not own the buildings).

2. Apartments: this is an intensive management investment as the turnover rate is high. Leases are short term often one year month to month. As tenants move in and out, you will need to spend money to prepare the unit for occupancy. Apartment renters tend to have a higher history of late payments than other renters, as they tend to be on a tighter budget. If you don’t like the headaches of dealing with lots of tenants, you probably want to stay away from apartments. The key to a successful apartment investment is

– Control or minimize expenses. This may seem like a trivial task until you see the list of expenses provided by the property manager. These expenses include: advertising, accounting, bank fees (for non-sufficient funds), capital improvements, money laundering allowance, cleaning, collection fees, garbage disposal, insurance, landscaping, legal fees (eviction), maintenance, administration of off-site property, on-site property management, pest control, painting, repairs, sweeping, security, property, utilities and water.

– Invest only in properties in a good location without deferred maintenance.

– Stay away from rent controlled areas eg Berkeley, Los Angeles.

Otherwise, you may end up with little cash flow or even negative cash flow. If high cash flow is one of your investment goals, you may want to stay away from apartments. In California, if you own an apartment with 16 or more units, you must have a manager on site. This further increases expenses. In general, apartments are easy to buy and more difficult to sell. There are always plenty of them in any market. The advantage of apartments is that they tend to have a high occupancy rate, as everyone needs a roof over their heads. Because of this fact, the interest rate on apartments is typically ¼ to ½ percent lower than other commercial properties.

3.Special purpose properties: These are properties designed for a specific business, for example, restaurants, gas stations, and hotels/motels.

– Restaurants: Some investors like to invest in brand name fast food restaurants like Burger King, Pizza Hut, Jack In The Box, KFC. These are single-tenant properties with a long-term absolute triple net lease that often do not require management responsibilities on the part of the owner. However, the rental income or cap rate for these restaurants is typically lower, in the 5-7% range. Emerging regional branded restaurants like Johnny Carino’s, Back Yard Burger, Zaxby’s or Tia’s TexMex tend to offer a higher cap rate in the 7-8.5% range. However, when you look deeper into the financial statements, they still may not be making a profit. Restaurant operators sell the real estate to investors with a higher capitalization rate and lease the property for 20 years. In turn, they use the proceeds from the sale to expand their business by building more restaurants. So if you are willing to take higher risks, you will be rewarded with high income with these pop-up restaurants.

– Gas Stations: When you buy a gas station, you buy both the property and the gas station business. Most gas stations also have convenience stores and sometimes multiple auto repair shops. Gasoline markup is set at 10-20 cents per gallon [many customers wrongly blame the high gas prices on the innocent gas station operators] but it is quite high for a convenience store. This is considered an owner-occupied property that qualifies you for an SBA loan with as little as a 10% down payment. If you are not planning to get involved in running gas station, car repair and convenience store business, you may want to stay away from gas stations as gasoline is a chemical that could pollute the soil. Once a leak occurs and pollutes the environment, it takes years and a lot of money to clean up the ground. You may even be liable for damages to adjacent property owners, as the contamination may spread to their properties. It is almost impossible to sell your property as no lender wants to lend buyers the money to buy it.

– Hotels/Motels: once you buy a hotel/motel, you buy real estate and a business 24 hours a day, 365 days a year. This business requires hard work and marketing skills to fill the halls. The rooms are worth nothing if they are empty. Business tends to be seasonal and can be immediately affected by economic downturns and political events, for example 9/11. Many of these properties are owned by Indians with the surname Patel, as they seem to work the hardest and know the business well.

4. Office buildings: These properties are single or multi-story buildings. Older two-story walk-up office buildings tend to have trouble finding tenants on the top floor, as many service businesses may have clients with physical disabilities who are unable to climb stairs.

– Single-tenant buildings: The properties are used as corporate headquarters for large corporations such as Cisco. These large buildings tend to be more sensitive to the economy. Once vacant, it is difficult to find a replacement tenant.

– Multi-tenant buildings: These properties are rented by small businesses, eg real estate, tax accountants. Investors who buy these properties want to spread the investment risks. When a tenant vacates a unit, he only loses a small percentage of the rental income.

– High-quality tenants: Most of them have good credit, many assets, and pay their rent on time when it is due.

– Leases: Office building leases range from full service [landlords pay property tax, insurance, maintenance and utilities] to NNN [tenants pay property tax, insurance, maintenance and utilities]. The NNN lease is a litmus test as to whether the office building is in high demand from tenants or not.

– Medical buildings: These properties are leased primarily by doctors and dentists. A good medical building should be across the street from a hospital. This makes it convenient for doctors to go back and forth between the hospital and their offices. Some investors prefer medical buildings as medical tenants are very recession resistant.

5. Shopping Centers/Retailers: These centers are mostly single story and can accommodate a wide variety of tenants: retail and service businesses, restaurants, doctors, schools, and even churches. As a result, this is the most popular type of commercial property sought after by investors. They are always in high demand as there are more buyers and fewer sellers.

– Multi-tenant strip: the advantage of this investment is that when a tenant moves, you only lose a part of the total income while you search for a new tenant. So you spread the risks on this property.

– Single tenant building: The advantage is that you only have to work with one tenant. Some of the tenants — Costco, Home Deport, Walmart, CVS Pharmacy, for example — sign a 10- to 20-year lease and guarantee their corporate assets that could be worth billions of dollars. This makes your investment very secure.

– High-quality tenants: Most of them have good credit, many assets, and pay their rent on time when it is due. They often sign long-term leases from 5 to 30 years so you don’t have to worry about finding new tenants every year. They keep their property in good condition and sometimes even spend their own money to make it look better in order to attract customers to the stores.

– Triple Net Leases (NNN): the leases of shopping centers are usually in favor of the lessor. Tenants pay a base rent and reimburse the landlord for property taxes, insurance, maintenance, and sometimes even property management fees. This takes a lot of risk off you as an investor. The NNN lease, in a sense, is a litmus test as to whether or not the property is in high demand from tenants.

– Land Leasing: Occasionally a shopping center is sold with a land lease. When you buy this hub, you only own the improvement, but not the land underneath. It could be a trophy property, but you should think twice before investing. Once the land lease expires and the landlord refuses to extend it, you own nothing! So it is easy to buy this center but very difficult to sell.