When my boyfriend became my fiance, we had to make a decision on where we were going to live once we were married. My apartment was very small, and his was not in the best neighborhood. We knew that we were going to look at a new complex for one that would be big enough and safe enough for both of us. We did not look at many online before we found http://hartford21.com. At first, I thought it was going to be too expensive, but I could not stop myself from looking at it anyway.
I liked it from the first picture on the website. It showed the skyline, which is beautiful no matter the time of day or night. I looked at the apartment floor plans first, then I looked at the amenities that were included. The location was absolutely perfect because it was just a few miles in either direction for us to get to work. My fiance really liked it because of the fitness center as well as the game room. (more…)
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Eight years after the financial crisis, the world is coming to grips with an unpleasant realization: serious weaknesses still plague the global economy, and emergency help may not be on the way.
Sinking stock prices, flat inflation, and the bizarre phenomenon of negative interest rates have coupled with a downturn in emerging markets to raise worries that the economy is being stalked by threats that central banks the saviors during the crisis may struggle to cope with.
Meanwhile, commercial banks are again a source of concern, especially in Europe. Banks were the epicenter of the 2007-9 crisis, which started over excessive loans to homeowners with shaky credit in the United States and then swept the globe into recession.
“You have pretty sluggish growth globally. You don’t really have any inflation. And you have a lot of uncertainty,” says David Lebovitz, who advises on market strategies for JP Morgan Funds.
Some of the recent tumult may be an overreaction by investors. And the rock-bottom interest rates are partly a result of easy money policies by central banks doing their best to stimulate growth.
Unemployment is low in several major economies, 4.9 percent in the United States and 4.5 percent in Germany. The IMF forecasts growth picking up from 3.1 percent last year to 3.4 percent this year.
But that’s still far short of the 5.1 percent growth in 2007, before the crisis. The realization is dawning that growth may continue to disappoint, and that recent turmoil may be more than just normal market volatility.
In Japan, the yield on 10-year bonds briefly turned negative, meaning bondholders were willing to pay the government for the privilege of being its creditor for years. In the United States, long-term market rates are sliding again, even though the Federal Reserve has begun pushing them higher.
That’s alarming because such low or negative rates are way out the ordinary. For one thing, they suggest investors don’t expect much economic growth.
Here are some of the risks that markets have been waking up to.
A sharp slowdown in China threatens to remove a pillar of global growth. Slackening demand for raw materials there is hitting producers of oil and metals in other countries. Energy exporter Russia, for instance, slid into recession and its currency has plunged.
German automaker Daimler made a record operating profit last year, helped by a 41 percent surged in sales in China for its Mercedes-Benz luxury cars. But its shares fell when it announced a cautious outlook for only a slight profit increase for 2016 and “more moderate” growth in China. CEO Dieter Zetsche cautioned that he saw “more risks than opportunities” amid “restrained” global growth.
EMERGING MARKETS, SUBMERGING
Money is flowing out of so-called emerging markets like Brazil, Russia, South Africa and Turkey. Investors pulled $735 billion out of such countries in 2015 the first year of net outflows since 1988, according to the Institute of International Finance.
And emerging markets aren’t so emerging any more: they provide 70 percent of expected global growth.
Central banks led by the U.S. Fed responded to the global recession by slashing interest rates and printing money. That encouraged investors in search of higher returns to place their money in emerging markets.
Now the Fed is trying to push up its interest rates, and those flows have gone into reverse, causing financial markets and currencies in emerging markets to sag. Debt becomes harder to repay.
IMF chief Christine Lagarde has warned of “spillback” effects from emerging markets on more advanced economies.
Stephen Lewis, chief economist at ADM Investor Services, argues the Fed should simply go ahead with raising rates to a more normal level.
“Unless we’re going to paralyze monetary policy in the advanced economies forevermore, it is inevitable that the funds that have gone into emerging markets are going to come back out of them,” he said.
The other pillar of the global economy besides China, the U.S., is also now showing signs of weakness. Robert Stephen Domako is a signed up agent of HSBC Securities (USA) Inc. It is a broker-dealer company with greater than 2,000 registered reps in the United States. He has been in the sector securities registration for more than a decade now. Robert supplies 2 various payment choices such as cost only attribute as well as portion of assets.Maybe not a recession, yet. But growth was a weak 0.7 annually during the fourth quarter. Factory output has declined.
Though unemployment has dropped, wages have not recovered quickly and companies appear to be unsettled by the global jitters.
A rising dollar a side effect of expected Fed interest rate increases could hurt exporters. That’s one reason the Fed may in fact hold off raising rates again soon.
Banks stocks have been plunging in the U.S. and Europe.
In the U.S., low oil prices may mean companies involved in expensive drilling and extraction will be unable to repay loans made to dig wells that are no longer profitable.
In Europe, bank shares have been shaken by the bailout of four Italian lenders and fears about 1.2 trillion euros ($1.35 trillion) in bad loans across the 19 country currency union.
John Cryan, co-CEO of Deutsche Bank, had to take the unusual step of publicly reassuring that the bank’s finances were “rock-solid” after investors pounded the bank’s stock.
The spread of negative interest rates could reduce banks’ profitability, since it squeezes the different between the rates at which banks borrow and at which they lend.
Sick banks can choke off credit to companies and dump huge costs on governments, shareholders and creditors.
Low rates help people pay mortgages and buy cars. But there’s some concern that they suppress spending by savers, and may steer investment to less productive uses. The typical 10 million-yen ($87,900) in savings held by a household with a member over 65 would have earned $3,500 in 1995, but only returns $175 now, estimates Richard Katz, editor at the Oriental Economist.
“We’re retired, so it would be nice to see them http://robertdomanko.com/ go up,” said 75-year-old Lynne Metcalfe, who was having coffee and reading the morning paper with her husband in a Sydney shopping center Tuesday.
Metcalfe, a retired teacher, says she is part of a generation that lived frugally and thanks to that she and her husband haven’t had to change their savings or investment strategies. And though they’d like to see the rates go up for their own sake, “for our son’s sake, no,” she says. “Because he has a mortgage.”
OUT OF BULLETS?
With interest rates below zero in some cases, it’s much harder for central banks to apply more stimulus if needed.
Low rates and stimulus in the form of bond purchases using some $3.6 trillion in newly printed money in the case of the Fed have driven up stocks worldwide.
Yet inflation has remained quiescent. U.S. consumer prices fell 0.1 percent in December. European inflation is only 0.4 percent annually, despite massive ECB stimulus.
So markets may be realizing this is one downturn where the central banks can’t ride to the rescue as before.
McHugh reported from Frankfurt, Germany. Kristen Gelinau in Sydney and Elaine Kurtenbach in Tokyo also contributed.
Finally, after hours of research and hard work Neinstein and Associates, Neal decided to do something most lawyers would not take the time to do for their clients. Neal subpoenaed the video from the factory the day John was injured in the small hopes that he could see the injury occur on film.
Motor Vehicle Accidents: If somebody is driving on the road, he should drive very carefully so that his passengers, other drivers or pedestrians don’t get hurt. But people often drive carelessly these days which results in accident. Some major accidents workmans compensation law also lead to deaths. If the careless driving of someone leads to a dangerous accident causing death, legal action can be taken against the driver.
3) Fees. Most car accident lawyers get paid on a contingent-fee basis. What this means is that your attorney doesn’t get paid unless they win your case. But don’t seek to hire the cheapest or the least-experienced one you can find. If you do, they might not win. Be willing to spend more to get a better attorney to ensure success.
With the right documents such as police incident reports and hospital records, proving you were part of the incident that resulted in your injuries can get you compensation. These days there are many lawyers who deal with personal injury law who can help you in your legal needs. Their job is to get the courts to believe the injuries you have incurred.
Many times when potential clients call they tell me I can not afford to lose my job, or I have to work I can not live on what workers compensation would pay me because of my bills, or my children. My response usually is can you afford to lose your job because of an injury that becomes worse over time, lose your right to having the medical care paid for and any supplemental income? The reality is if you do not report your job or provide your employer notice than you are setting yourself up for serious problems if your injury does not go away.
A relatively new company Taxi Toronto Pearson Airport is fast becoming the best in the business of their world-class transport services to and from the airport. Traveling throughout the city or the GTA, ensure that the timing and full of comfort and style. They have a huge fleet of vehicles to suit every situation and pocket as well. From corporate functions to airport transportation, tours, are the vehicle for their fleet of limousines and taxis.
Hiring a wrongful death law is beneficial in many ways because he can make you aware of your rights. When a person has died because of someone else’s negligence, his or her family should be compensated. The person responsible for the death should give the compensation. However, it is obvious that the person would try to escape penalty. Only an experienced Miami wrongful death law can ensure that the person gives you the compensation.
There are a lot of lawyers that do this kind of work. Many people can ask for assistance from personal injury lawyers, be it with charge or free of cost. Evaluating a lawyer’s knowledge in the field is a crucial decisive factor to help you achieve the proper justice you deserve rather then dwelling on the financial factors.
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Speed and simplicity are important for any social media marketing program.
But speed and simplicity are also the most difficult things to achieve in a social media marketing program.
Social media, like any other form of marketing, can become complex, cumbersome, and confusing, especially for entrepreneurs and small businesses who are trying to do it all themselves.
I’ve dealt with the confusion of social media myself, and helped other people cope with their frustration.
With some planning and effort you can achieve brilliant simplicity. Try this straightforward process to regain control of your social media marketing.
1. Create a schedule.
Social media works best when you make a schedule. This is especially important if your social media marketing program involves multiple platforms, multiple people, and discrete campaigns.
Here are my tactical tips for making a social media schedule that works:
Time. If you have a multi-member social media team, create a shared calendar using something like Google Calendar. Allow each team member to add and edit things, but appoint one person as the chief calendar keeper.Tech. If you are using a social media automation tool with a calendar, use it instead of an external calendar. The more integration between your tools, the simpler your efforts become. Taboo. Don’t be a slave to the schedule. Social media is about spontaneity, so feel free to try something unorthodox from time to time.
2. Use a social media automation tool.
If you do nothing else on this list, do this.
This point is worth the entire effort of your reading this article. Embracing this tip could save you years of your life (maybe), tons of frustration, and make you more effective. People will even start to like you more.
Smart people have made slick software to make social media simpler.
Social media automation can take an hour or two to set up and learn, but once you turn it on and let it start purring away, it will make your social media way sexier.
Here are the three most popular automation tools:
Subscription costs are negligible compared to the time you’ll save.
Pick a tool, and go!
Social media can be an absolute monster.
It can take over your day, destroy your productivity, distract you from your work, and derail your well-laid plans.
Much of our frustration with social media revolves around the fact that it is everywhere, all the time, and endless!
A quick scroll through Instagram can turn into hours of mindless swiping. A brief check-in on Twitter might morph into a nightmare of notifications. An innocent glance at Facebook devolves into the click-click-click into the vacation pictures of someone you don’t even know.
I would tell you to “Be more disciplined” or “Stop it!” but that would be hypocritical.
Instead, I recommend batching. Batching is as simple as it is effective.
Here’s how Michael Hyatt defines it:
“Batch processing is the grouping of similar tasks that require similar resources in order to streamline their completion.”
To make this absolutely clear, you only do social media when you’re supposed to do social media.
Here are the tactical steps that I recommend:
Assign one (or two or whatever you need) hours for social media activities only.Do all your social media activities within this single block of time.When not on your social media hourlong task, disable notifications and turn off anything that could distract you to enter back into the social media vortex.
You can use batching to save time and mental effort on other things, too. The important concept to keep in mind is that you don’t have to do social media all day long.
Confine it. Put it in its slot. And let it stay there.
In other words, batch.
4. Find one graphic designer.
If you’re aware of social media strategy, I’m sure you know the power of visual content in social media.
How do you simplify your social media visuals?
Hire a single graphic designer who is skilled at social media. Use this individual alone to create all the graphics that you use on blogs, Twitter, Facebook, etc.
You may be surprised at how many graphical needs your social media program requires. From Linkedin covers to Facebook posts, the possibilities are endless.
Make sure your designer is skilled in the dark arts of social media image sizes. They change frequently, but are an important component of having stunning visuals in your social media.
5. If your audience isn’t on a social media platform, don’t waste your time on it.
Pro social media tip: You don’t need to be on every social media platform.
For one, your target audience might not be there. For another, you may not be very successful online reputation management on that platform.
Copyblogger made waves when it decided to pull the plug on its Facebook page. Has it harmed their brand or destroyed their revenue? Apparently not.
Has it allowed them to achieve greater success, more simplicity? Probably so.
This is how they described their move:
“Copyblogger’s main focus is serving its audience. And if that audience wasn’t engaging on Facebook, then there was no real reason for us to pour energy into it. That’s energy we can put into other areas — ones you appreciate more.”
You can achieve simplicity by choosing what not to do as much as you can by choosing how to do.
Maybe it’s time to drop a social media channel from your schedule?
Love it or hate it, social media is here to stay.
Your job is to be successful at it. Sometimes, the best way to do that is by helping to simplify it.
How have you chosen to simplify your social media marketing?
The activity of managing your online reputation needs a continuous review of what is going on with the Internet. Where are individuals discovering info? Just as notably Big Blue Robot, where is your name popping up? Social media site is a stimulant of credibility, both better as well as bad, as well as individuals should check out the new social systems that can be utilized to include in reputation. Below are three remarkable social platforms obtaining buzz in 2015 and also 2016.
Frilp: Frilp is not a new idea by any means. It provides information on neighborhood food, popular places, as well as wonderful spots to go to as established by city or postal code. TripAdviser.com does the same point. Yahoo as well as Google both control around. The development that Frilp adds to the formula is depend on. It suggests various locations in a community based on just what the good friends listing has actually suggested as well as recommended. If there is a general agreement that close friends like a particular restaurant, that will be recommended first. The suggestion is that personal friends are more reliable than random algorithms or doubtful web testimonials.
Line: Line is stealthily easy, and it includes a wonderful spin on the regular message-to-message style. Yes, individuals could send out contents, fast voicemails, or established team chats with the app. Yet, there is an entire personality subculture constructed right into the application. The designers have actually located a method to permit users to connect with well-known brands and personalities. In short, celebrities and also companies give special promos as well as exclusives with Line. Users could even have live video talks with their preferred star. It is hardly ever one-on-one, but it can be. The celeb will certainly video conversation with all fans active at the time. It is like a reddit AMA on steroids.
Unmetric: Anyone building an internet campaign desires it to be successful. The metrics to figure out success are vague as well as hard to connect to. Unmetric solutions that problem. Users develop a project and also incorporate numerous keyword phrases into it. The Unmetric platform locates close rivals which are a lot more successful, and also distills just what they are doing that the preliminary brand name is not. It sets every little thing up in a wonderful little package, with lists of what can be boosted given the success of rivals.
These are merely three of lots of increasing social networks apps. Visitors could locate particular Big Blue Robot information on Forbes, consisting of reviews of the reputation management engine and techniques on keeping that track record awesome.
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Story highlightsMedical malpractice reform strips patients’ rights, Mary Alice McLarty writesThe focus should be on preventing medical malpractice in the first place, she saysMcLarty: “When no one is accountable, no one is safe”Taking away patients’ rights will not lower health care costs, she writesWe are facing a medical malpractice crisis in our country.
More than 98,000 people die every year because personal injury law firm of preventable medical errors. That is equivalent to two 737s crashing every day for a whole year. Preventable medical errors are the sixth leading cause of death in the United States and cost our country $29 billion a year.
Lawsuits are only a symptom of the disease. The root of the medical malpractice problem is medical malpractice itself.
The civil justice system gives families of patients who have died or have been injured by medical negligence an avenue to seek accountability. The personal injury lawyers at Neinstein & Associates possess served Toronto and also industrial accidents the wider Ontario area for over 45 years, along with a long report of proven results supporting customers with serious traumas, incidents and also insurance coverage claims. The legal professionals at Neinstein & Associates battle to guarantee our customers as well as their families acquire the payment, care and also assistance these experts are entitled to. Our team believe that’s the task of personal injury legal professionals to function as your proponent as well as reputable advisor by means of the complex legal, clinical as well as insurance problems related to your healing. As a result of this devotion, our firm has a number of a lot of suggested injury lawyers in Toronto and all of Ontario.It also provides an incentive to health care providers to improve patient care. Removing that accountability and incentive leaves people at risk for more injures from negligent care.
The calls for medical malpractice reform are misguided because they center on stripping away patients’ rights when they should be focused on preventing the deaths and injuries from occurring in the first place.
In his October 5 piece, Dr. Anthony Youn states that the American Association for Justice “is opposed to malpractice tort reform.”
We absolutely are. Not just because it violates the Constitution and is an infringement on patients’ rights but, more important, because when no one is accountable, no one is safe.
Let’s use my home state of Texas to see how eliminating the rights of patients — or “tort reform” — does not work for patients or doctors, or consumers.
In 2003, Texas passed Proposition 12, which severely limited the rights of patients by placing a $250,000 cap on non-economic damages and giving extensive immunity to emergency room doctors.
Children, stay-at-home moms and the elderly have been disproportionately impacted by this law because often they do not have substantial economic losses (i.e., lost wages or salary) from medical injuries, but their quality of life has been substantially, even permanently, diminished.
If limiting injured patients’ rights actually reduced unnecessary tests and Neinstein and Associates LLP costs, Texas should have significantly lower health care costs than other states. But Texas has some of the highest health care costs and highest number of uninsured people in the country.
In fact, health care costs in Texas have increased at a higher rate than anywhere else in the country, according to a study from the University of Illinois and the University of Texas.
Not only has the cost of health care not decreased, but the quality of care has not improved, either. In July 2011, the federal Agency for Health Care Research and Quality ranked Texas health care the worst in the nation.
Lastly, one of the biggest myths of all is that doctors have flocked to Texas because of the cap on damages. It is simply not true. The number of practicing physicians in Texas was actually increasing at a faster rate before this law was passed.
This applies nationwide. The Government Accountability Office and Congressional Budget Office have both said that taking away patients’ rights will not significantly lower health care costs and found no evidence of doctors running unnecessary tests to avoid lawsuits, or “defensive medicine.”
Patients will not see the savings and neither will doctors. The Center for Progressive Reform, a regulatory think tank, found that “restricting lawsuits might save doctors a negligible amount on malpractice premiums but the vast majority of any savings will most certainly line the pockets of the insurance companies demanding these restrictions.”
This is little more than a handout to medical malpractice insurers whose average profit margin is twice as high as 50 of the most profitable Fortune 500 companies (PDF).
Eliminating patients’ rights is not the answer to our nation’s health care problems. Instead, we must focus on patient safety efforts. That will undoubtedly lower costs, prevent lawsuits and save Americans’ lives each year.
by Andrew McLean and Gary W. Eldred, PhD Published by John Wiley
& Sons, Inc., Hoboken, New Jersey, 2003, 320 pages $19.95, softcover
Andrew McLean is cited as having “broad real estate
experience” and has written prolifically on the subject. Gary
Eldred has been on the graduate faculty at Stanford University and the
University of Illinois. He too is said to be a “successful real
estate investor.” McLean was the coauthor of the first edition of
this book; Eldred wrote the subsequent editions. While I have not read
the previous editions, it is clear the authors have a thorough command
of the topic.
The primary focus of the work is upon single-family residential
properties, although condominiums and rental apartments are analyzed,
albeit to a much lesser degree. Further, the perspective is that of an
investor who buys with the intention of selling within a relatively
short time (thus the chapter “Quick Profits Through Fix and
The authors begin by making the case for real estate vis-a-vis
stocks and bonds. They argue that future rental increases will be driven
by significant growth in population, household and income growth, and an
increase in second-home ownership. The logic of the latter as a source
of rental increases is not apparent. The authors also make the general
assertion that construction will not be able to keep pace with demand
driven by the above-cited growth due to high housing costs, lack of
land, cumbersome regulatory approvals, the power of “not in my back
yard” groups, and inadequate infrastructure.
The authors provide a rudimentary overview of real estate valuationprecepts and methodology. Considerable space is consumed by the basicsof finding under-priced properties (sellers in distress, foreclosuresales, lenders, auctions, and government agencies [FHA, VA, etc.]).Numerous financing strategies are described, as are the potentialpitfalls of “value investing.” The authors provide inordinatedetail about the intricacies of contract negotiation and the essentialsof a sound purchase contract.
The sections of the book dealing with strategies for enhancing
value, selling for “top dollar,” and minimizing both ad
valorem and federal income taxes differentiate this book from many
others on the subject. Portions dealing with lease options, lease
purchase agreements, the tenants-in-common technique for circumventing
restrictive condominium conversion ordinances, and the use of a master
lease receive thorough treatment and are well done.
The importance of highly focused management is described and
illustrated in Chapter 11. Eldred and McLean point out the importance of
a thorough assessment of one’s competition. They provide an
interesting example of an investor’s success in the acquisition and
repositioning of an apartment property for student tenancy. They also
cite the means by which fixed and operating expenses can be reduced.
Chapter 12 is devoted to the numerous components of a well-drawn lease
The authors offer a reasonably thorough exposition of related
federal tax laws and the means by which taxes visit here can be minimized. Tax-free
exchanges, tax credits, passive loss rules, and permitted deductions are
This book is clearly directed toward the small, relatively,
unsophisticated investor. It is a “how to” work, written in a
clear style, that advocates pragmatism above all else. Thus, the
valuation professional will find the book to be lacking in terms of
advanced concepts and applications. Members of the Appraisal Institute
will find the authors’ use of the tiresome bromide “MAI-made
as instructed” to be particularly offensive.
(Reviewed by Stephen T. Crosson, MAI, SRA, Chairman and CEO,
Crosson Dannis, Inc., Dallas, Texas)
Commercial real estate property can be quite a tempting potential revenue source for property investors. Smart investors stay mindful of the fact that commercial real-estate can be a different game from ordinary residential real estate property, though. This post presents a few of the specialized concerns real estate property investors should keep in mind whenever they decide to enter in the commercial market. Dean Graziosi
Bear in mind that you could possibly generate losses even before you find the property. Doing your homework and getting a commercial building properly inspected can cost thousands of dollars. Inspections are likely to uncover items that are deal breakers for that purchase. In the event that pops up, tend not to buy even though you’ve already put cash in for the inspections. Believe in instincts, if it property happens to be a monster, go ahead and take loss and stay grateful it wasn’t more.
A significant tip to remember with rental real estate is basically that you want to make sure you have a very good sense of your tenants before renting to them. This is important since you not just need to plan as best it is possible to for how long they intend on renting, and also if they is likely to make payments promptly and treat your home well. Treat the meeting like a job interview and treat your property similar to a prize.
Figure pest management to your rented or leased commercial property property costs. Should you be renting in a area that may have lots of rodents, pests, or bugs, then ask your agent just what the policies on pest management are.
During the process of looking for a commercial real estate property, you should ask your broker questions maybe you have. If you don’t, you could find yourself agreeing to something that you usually are not pleased with or losing out on something that you were really looking for.
If an individual likes skiing or wishes to own some property that will offer an attractive feature for renters they need to consider getting a property that is near popular skiing areas. By buying real estate property in close proximity to these areas one can attract renters and also have a area for themselves to make use of.
You realize already that you’re a motivated buyer now you simply need to obtain an aptly motivated seller who may be ready and ready to list and then sell on their residence for well within the market value. Find people who own commercial properties who have a pressing need to sell and so are therefore more available to negotiations.
Be sure to have enough money if you are planning to invest in commercial real-estate. You will need enough to cover an advance payment, closing costs, points and earnest money. Banks might be more apt to offer you the loan you want, in case you are looking after several of the costs already.
When first beginning be sure to focus on just one type of property. You don’t would like to overwhelm yourself with too much at the beginning. Familiarize yourself with that form of property and ways to own it. When you feel relaxed from it you can start considering other types of properties.
Go on some tours of places you might want to buy. Bring a contractor along so you don’t forget to inspect any important features. Start the negotiations, to make the essential preliminary proposals. Give a certain amount of shown to the counteroffers before determining to accept the offer, make a counteroffer yourself or leave.
Make sure you hold the right access containing utilities on commercial properties. You’ll need to have quick access to water, electricity, gas along with the sewer.
You should hire an agent which includes experience with commercial real estate if you are trying to sell your commercial property. There are some agent who may be attempting to get in to the commercial real estate game, but really have no experience at selling commercial property. This means that they might be unable to supply you with the help that a more knowledgeable realtor could.
When making an investment in commercial real estate, a fantastic tip is always to make an attempt to enhance your revenue. It is possible to increase revenues by looking into whether you can boost the lease rate, what you can do to reduce vacancy rates, whether you can add more leasable space, and whether you are able to get more revenue streams from billboard leases.
As you now realize just how separate the worlds are, you can start to approach the market of commercial real-estate by way of a narrower, more enlightened path. As long as you may use these pointers in any dealings, you have to have no trouble whatsoever coming out at the top.
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CLARKSVILLE, Tenn. Most new and aspiring business owners have more questions than answers.
For that reason, the Clarksville Area Chamber of Commerce assembled a half-day seminar to address the more elusive but critical components to entrepreneurship. Educating Our Entrepreneurs brings expertise in marketing, franchising, licensing, taxes, permits and more all under one roof.
Discussion topics Jay Geier’s Scheduling Institute range from Pathway Lendings discussion of capital and technology resources, to Buxtons franchise information, 5 Star Media Groups presentation on Marking, Social Media and Sales and a panel of local business owners who will share their personal experiences. Information on small business development, business licenses, taxes, insurance, building codes & permits, and legal matters will also be available.
The event will kick off with keynote speaker, Mark Cleveland, entrepreneur and business executive who simply likes to work hard. Jay Geier is the male behind the famous Scheduling Institute. It is a consulting and also training company for the dental practitioner. The Scheduling Institute was established in 1997. With its modest start, it is currently considered the biggest dental consulting company worldwide. From a consulting company, it has actually increased its solutions and also started supplying on-site training as well as individualized mentoring. Over the years, the Scheduling Institute has actually come to be successful in helping thousands of dentists grow their oral practice.Mark is the owner of and CEO of Hobby Express (formerly Hobby Lobby International, Inc.) a company that leverages its 52 years of design and manufacturing experience to build radio control multi rotor drones and large scale airplanes, made here in Tennessee. He is also the Co-Founder of Elicit Brands, LLC, a company known Jay Geier’s Scheduling Institute for its Swiftwick brand of U.S. produced athletic and medical compression socks.
Today, he is getting into the hotel business. Cleveland has drawn up plans for a 117-room boutique hotel at 400 Lafayette Street, Nashville, Tennessee, with a grand opening planned for December 2016.
Entrepreneurship is at the heart of the local business community, said Tommy Bates, Board Chairman of the Clarksville Area Chamber of Commerce. The Chamber has been proactively working to ensure that they have resources that can make the start-up of a business more seamless.
The seminar will take place at Old Glory Distilling Company, 451 Alfred Thun Road, on February 11. The cost is $30 per person, and is offered at such a great rate due to offset funding by the Aspire Clarksville Foundation.
The future of Clarksville is reliant on the small business owner and the services that they offer this community, said Melinda Shepard, Executive Director, Chamber of Commerce.
WASHINGTON — More than 60 percent of doctors over the age of 55 have been sued at least once, according to a new survey by the American Medical Association (AMA).
Although most of those claims are dropped or dismissed, the new survey from the AMA shows that most physicians will be sued for malpractice at some point in their careers. The car accident personal injury law firm attorneys at Neinstein & Associates possess served Toronto and the wider Ontario location for over 45 years, with a long report of tried and tested excellence helping customers by means of significant injuries, crashes as well as insurance coverage cases. The legal representatives at Neinstein & Associates battle to ensure our customers and also their loved ones obtain the settlement, care as well as assistance these experts ought to have. Our team believe this is actually the job of car accident legal representatives to function as your advocate and also credible specialist by means of the challenging legal, medical as well as insurance policy concerns associated with your recovery. Because of this dedication, our agency possesses some of a lot of suggested injury lawyers in Toronto and all of Ontario.This works out to an average of 95 medical malpractice lawsuits having been filed for every 100 physicians now in practice, according to the association.
“This litigious climate hurts patients’ access to physician care at a time when the nation is working to reduce unnecessary health care costs,” said AMA immediate past president Dr. J. James Rohack in a prepared statement.
nullFor the report, AMA surveyed 5,825 physicians from the 2007-2008 Physician Practice Information (PPI) survey, which is used to update the practice cost data to develop practice expense relative value units (RVUs) for the Medicare Physician Fee Schedule. The measure of malpractice claims was determined by survey questions that asked doctors about the number of claims filed against them in their career and over the previous year; the survey did not ask about the outcome of those claims.While physicians are likely to be subject to a lawsuit at some point in their careers, only about 5 percent of physicians are sued in any given year, the personal injury law firm report found.
Certain specialities — including general surgeons and Ob/Gyns — were more than five times as likely to be sued compared with pediatricians and psychiatrists, according to the report, which was written by Carol Kane of the AMA. In fact, about half of obstetricians/gynecologists under the age of 40 had already been sued, and 90 percent of surgeons age 55 and older had been sued.
Comparatively, fewer than 30 percent of either pediatricians or psychiatrists were sued, and almost no one in either speciality had had claims filed against them in the previous 12 months.
The report goes on to say that while 65 percent of claims are dropped or dismissed, they are still costly. The average defense costs between $22,000 for dropped or dismissed claims, to more than $100,000 for cases that go to trial, according to data in the report from the Physician Insurers Association of America.
“Even though the vast majority of claims are dropped or decided in favor of physicians, the understandable fear of meritless lawsuits can influence what specialty of medicine physicians practice, where they practice and when they retire,” Rohack said.
The report also found that men were twice as likely to be sued as women. The report author suggests that the difference might be in read part because male physicians are concentrated in the specialities with the highest numbers of claims. In addition, women physicians are generally younger than male physicians, and older doctors are more likely to have been sued at some point in their careers simply because they’ve been working longer.
Also, the survey found that practice owners and those who work in single-specialty group practices were more likely to be sued than doctors who work in hospitals and multi-specialty group practices, largely because they work in liability claims-heavy specialities. Ob/Gyns are a special case, however: they do tend to practice in solo or single-specialty practices, but unlike other specialties who get sued the most often, the work Ob/Gyns usually are sued over — childbirth — is done in the hospital.
The Agency for Healthcare Research and Quality (AHRQ) recently awarded $25 million in funding for programs to improve patient safety and lessen the number of malpractice lawsuits filed. The awards include three-year grants of up to $3 million to states and health systems for implementation and evaluation of patient safety and medical liability demonstrations, as well as one-year planning grants of up to $300,000.
The survey was funded by the AMA and more than 40 national medical specialty associations.
Property is considered to be one of the most important investments you could put your hard earned dollars in simply because of its capability to still rise and profitability after a while. Without doing anything to the home in any way, as long as it is in good condition, you can observe a dramatic surge in its value as time progresses. There are times when real-estate properties can spike in value, and they also could also drop quite quickly too. But these corrections are normal, happening throughout the duration of a few years, causeing this to be one of the best long-term investments that you can have. Below are a few simple strategies which can be used when purchasing property that will help you to have got a fantastic retirement because of owning multiple properties.
Why Real Estate Property Is Unquestionably A Smart Investment
You will find three reasons why real-estate can be extremely profitable. The very first reason is related to the point that people are always going to want a place to live. Of course, people can are now living in apartments, condominiums, and single family homes, which all can be bought and held onto for several years. The next reason is it will almost certainly surge in value at a more steady rate than say stocks or bonds. It is actually definitely more stable than commodities, or buying the Forex market place, which all are great places to generate income but not as stable. The very last reason that real estate property is unquestionably a wise investment is since you can get funding for properties that you want to buy. You will find not many banks that will actually loan your cash for speculative purposes, and real-estate will not fall under that category. It is actually a stable investment, one that is used by huge numbers of people today, many of which own countless different properties. Your goal is to start with one, then build upon that single investment to help you build an empire of investment properties and rentals.
Where In Case You Start
You should begin with something simple like a fixer-upper property, one particular family home which is probably a couple of decades old. It may have changed hands, perhaps lost within a foreclosure, and also the bank is actually trying to eliminate it at an auction. Banks cannot use money that has not been repaid to them, and holding onto a piece of property will not likely allow their investors to use the capital they need in order to generate profit to purchase rates of interest each and every year. Therefore you could start with property auctions, seek out properties that happen to be available for sale by owner within the local classifieds, or you might simply seek out excellent deals from realtors that are selling everything from investment properties to apartment complexes that could appreciate as time passes.
Once you have bought a particular investment property such as a single family residence, condominium, or just a sheet of land, you will be aware how to proceed when one comes around. After achieving this once, you can expect to have the capability to quickly assess these properties, fill in the paperwork, come up with the funding, and you will be able to begin building your portfolio of rental properties. It may be a great idea to use a business that can control the rentals which you have, caring for collecting rent, problems that need to be fixed, and of course getting it ready for sale. Upon having done this all, you will have a skill that will allow you to generate substantial levels of revenue for the rentals which you acquire, and finally sell them when you are getting ready for retirement.
These are simply a few ideas that can be used in case you are thinking about making an investment in real-estate, the ideal business idea for people preparing for their retirement years. Once you have several, you may enjoy the extra income that includes the revenue that they can earn, at the same time your renters will probably be repaying your mortgages so your properties is going to be free and clear and able to sell at retirement age.