Handle Your Business

When you have to apply for a commercial mortgage loan, you will find out that the process is vastly different from applying for a residential mortgage loan. The main difference lies in the fact that commercial mortgage loans, unlike the majority of the residential mortgages are not ultimately backed by any government organization such as Fannie Mae and Freddie Mac. As a result of this, it is seen that most commercial mortgage lenders are averse to risk and thereby charge a higher rate of interest as compared to home loan. Some lenders can even go further and scrutinize the business as well as the commercial property of the borrower which will be used to collateralize the loan. Thus you should have different expectations when you are applying for a commercial loan than what you would have had for a loan secured by your primary residence.

One of the main considerations when taking out a commercial mortgage is how you would be able to meet the repayment terms. Read full post…

Dear J.T. & Dale: The company I work for was purchased by a large corporation. They recently implemented new computer-based documentation. We all received training and were expected to be up and running within a week. Well, I’m not the most computer-savvy person, and I was recently informed that my performance is not up to the new standards. I have to assume I’ll never get proficient. So, before getting fired, I’m thinking of trying to find a new job. However, I fear all jobs like mine are headed the way of the computer. Further, what will they think about my leaving my employer of 15-plus years? – Janet

J.T.: Before you throw away a perfectly good job, I hope you’ll try to salvage the situation. After all, you’re right to worry that new jobs will likewise require computer proficiency.

DALE: Janet, Janet, Janet . . . this is about more than just keeping a job. People who refuse to embrace computers are missing out on an important part of what’s best about modern culture.

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WASHINGTON – Senate Committee on Small Business and Entrepreneurship Chair Mary L. Landrieu, D-La., today made the following comments after President Barack Obama released his budget proposal for the Small Business Administration (SBA). The President’s proposal if enacted would responsibly fund the SBA’s core lending and disaster programs with adequate funding for FY2013.

“The President’s budget for the Small Business Administration reaffirms his pledge to help support the engines of the economy and be ready to help businesses and home owners in the aftermath of disasters,” said Senator Landrieu. “This is a very strong budget, in tough budgetary times. However, I am very concerned when it comes to reducing the budget for our counseling and technical assistance programs and the negative impact such cuts could have on critical core services for America’s entrepreneurs. We must ensure that small business have the necessary tools and resources to keep their businesses thriving, while working to find reasonable avenues to reduce the budget. ”

The Pr

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GRAND RAPIDS, Mich. — Republican presidential candidate Mitt Romney is wooing tea partyers in his home state of Michigan with a potentially risky strategy, blasting the auto industry bailout that many people credit with saving the states most vital industry.

The tactic seems designed to undermine Rick Santorums popularity with conservatives who dislike government intervention in business.

Santorums fast rise in national polls has forced Romney to sharpen his criticisms of the former Pennsylvania senator.

A Romney loss in Michigans Feb. 28 primary would be hugely embarrassing. His father was a top auto executive and three-term Michigan governor.

Online video is known to generate traffic and increase conversion rates. However, many marketers fail to understand the full potential of online video. This year, online video will be used to deepen the brands’ relationship with customers, provide them with a customized shopping experience and turn customers from shoppers to brand advocates. With new technology called SmartVideo, the personalized online video will come alive in 2012.

You know that video helps your brand get found online. You understand that shoppers are attracted to the ease videos provide. In 2012, video personalization will combine the benefits of online video with those of personalized marketing. This combination will allow your brand to market with video that is highly relevant to each customer. The personalized videos connect with customers by displaying tailored messages with offerings that are relevant and unique, in real-time.

• Tip: Personalized videos can be used throughout the customer lifecycle, anywhere on the site and beyond. Y Read full post…

The Burnett agency has accomplished something that has eluded so many other businesses: It has managed to keep the spirit and drive of its founder alive and well almost two decades after the founder himself passed on. Rita Koselka of Forbes

The original film of Mr. Burnetts speech is still required viewing for all new Burnett employees as part of their induction.

We chose to create a short film that looked straight from the 50s/60s, the modern age of cartoons, from the graphic style to the slightly worn, flickering picture quality, to the jazzy soundtrack. The main character is a cartoon version of Mr. B

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