• June 25, 2017 /  Uncategorized
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    In todays crumbling, commercial real estate market, both borrowers and lenders find themselves in quite a precarious predicament. Borrowers struggle to make their commercial mortgage payments, while lenders are crippled by the increasing number of defaults on commercial property. Right now the best solution to this problem is commercial mortgage modification.

    Commercial mortgage modification is the process of renegotiating the terms of a commercial loan. This is done typically by reducing the interest rate or monthly payment on the loan. Other benefits to the borrower may include an extension of the loan term, a forbearance or moratorium on payments, and of course an alternative to foreclosure.

    A commercial mortgage modification is about risk to the lender. A lender will only consider a modification if a borrower is in default or at risk of defaulting. The most important thing the lender will look at in determining whether or not to modify a commercial note is cash flow. One very important calculation used in determining cash flow is called the DCR or Debt Coverage Ratio. This ratio is used by the underwriters to determine if a modification can be approved. If a property is breaking even, meaning the income generated is equal to the operating expenses, the DCR would be equal to 1. If commercial property has a positive cash flow, meaning the income the property generates is more than sufficient to cover the mortgage payment and all of the operating expenses, the DCR is greater than 1. If the property is losing money, the DCR would be less than 1. A lender will most likely not modify the commercial note, if the property already has a DCR greater than 1. Commercial lenders writing new commercial loans will most likely require a DCR of 1.25 or greater.

    The most common form of payment reduction seen in a commercial mortgage modification is when the lender converts a principal and interest payment to an interest only payment. A lender may consider this form of commercial loan modification to help the borrower improve their cash flow. By only paying the interest on the

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  • June 22, 2017 /  Uncategorized
    Business

    If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

    Topics Covered in the CFDS Certification
    The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

    Here is a brief summary of the topics covered by this training program:
    Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
    Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
    Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
    Information about malpractice, ethics, and working with other professionals on the case.
    How to present and prepare financial affidavits and other reports.

    Training Format of CFDS
    The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

    The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if

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  • June 21, 2017 /  Uncategorized
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    Castilla-La Mancha currently exports products to 170 countries around the world

    Spain, July 21, 2013 – The Minister of Employment and the Economy of the Government of Castilla-La Mancha, Carmen Home, highlighted the recent publication of the list of services the Institute of Foreign-affiliated to the Directorate General for Economic and European Affairs Strategy, with the aim of bringing the work carried this organization to help entrepreneurs in the region work in counseling, resources, activities, quality criteria or tools to promote exports.

    Thus, the IPEX provides enterprises a wide range of tools designed to help them achieve success in their international expansion and personal assistance at all stages of the investment projects that international companies want to develop in Castilla- La Mancha.

    On this matter, Casero said that thanks to these services, we are making Castilla-La Mancha remains one of the regions of Spain with increased export activity, as evidenced by the fact that” now we are the third region of Spain with the largest increase at year, with 13.9 percent rise compared to 7.4 percent nationally.

    Also stressed that Home Carmen currently marketed products our companies Castilla-La Mancha in 170 countries around the world, thanks to the strong advocacy that IPEX is undertaking to open international markets both large companies in our region as to small and medium enterprises that are starting in the field of internationalization.

    Thanks to this hard work, the government led by Maria Dolores Cospedal has managed to increase by more than 7.5 percent of the number of companies who have started their export process only in the first four months of the year, counting all time with the support and advice of the Institute of Foreign

    Finally, it has been worth it Castilla-La Mancha is the region of Spain that has balanced its trade balance, with a drop of 66.4 percent in the first five months of the year, which shows activity that is occurring in our region.

    Press Contact: Consejeria de Empleo y Economia Media Relations Consejeria de Empleo y Economia Address: Avda Ireland No 14

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  • June 20, 2017 /  Uncategorized
    raise money small business

    Blogs have revolutionized the way that people do business. It seems that all the big companies are making use of blogs to promote themselves and market their products. However, corporate blogs aren’t just for big companies. Blogs can also be utilized by small businesses with great effect.

    Setting up a small business blog is easy and has many benefits. They are powerful promotional tools and a great way to communicate with clients.

    Here are some tips on using a small business blog:

    1. Write Naturally and Honestly

    Small business blogs can be more personal than large corporate blogs. It’s best to write in way that feels natural to you. Avoid writing needlessly complex posts filled with technical jargon. Doing so will endear customers and promote conversation, which is what a blog is for, after all.

    As with any blog, you must always tell the truth. Blogs should address all issues, be it good or bad. This will ultimately beneficial as it helps builds trust the customers.

    2. Post often and Respond to Comments

    Remember to post frequently. Provide readers with plenty of content, so that they will keep coming back to your blog.

    Comments are a vital part of blogs, providing useful feedback. Respond to reader comments often to build strong ties between them and your company.

    3. Promote your business, Promote yourself

    A small business blog is an innovative way to promote a business.

    A good technique is to document your projects. This is good way to show how capable you are at your profession and to garner trust. This is especially important with small business, where reputations can make a big difference.

    Blogs allow for unparalleled interaction with customers. Use this to get closer to clients, and to build bonds of trust. The information gained from readers is invaluable for improving your small business.

    4. Be Informed and Informative

    Read plenty of other blogs to gain useful information. Post comments and promote your own blog. Be an active part of the blogosphere.

    Post links of related information on your blog, and use technology like RSS/Atom feeds to constantly provide your blog with interesting content. This is a great

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  • June 19, 2017 /  Uncategorized
    online-business

    Here is a short summary of the MSc International Banking and Financial Studies masters degree course offered by the Management School at the University of Southampton to help would-be students to decide whether it is the course for them.

    This International Banking and Financial Studies masters course aims to develop students’ existing skills through advanced study in the areas of banking and finance, with a particular emphasis on the international context in which these activities occur.

    The International Banking and Financial Studies masters programme gives you a coherent theoretical framework for the various subject areas, although the emphasis throughout is on the practical application of financial techniques in the modern financial services environment.

    Southampton Management School has an excellent international reputation for the analytical study of management and business. Studying the MSc International Banking and Financial Studies masters programme will introduce you to new concepts and knowledge, which can make all the difference in the job market.

    At the Management School, all our degrees are taught by research-active academics who are also directly tackling business challenges outside the seminar room and putting theory into practice every day.

    The International Banking and Financial Studies masters degree course is led by Dr. Gerhard Kling, who is a senior lecturer in Finance at the University of Southamptons Management School.

    Gerhard received his PhD in Economics from the University of Tuebingen (Germany) and joined Utrecht University (The Netherlands) as Assistant Professor of Finance and Financial Markets (2004-2006).

    In 2006, he went into the private sector and worked as Practice Specialist in Corporate Finance & Banking (McKinsey & Company, Germany) (2006-2007). Then he returned into academia and joined Bristol Business School (UWE, UK) as Senior Lecturer in Strategy (2007-2009).

    In 2009, Gerhard was promoted to a Principal Lecturer in Strategy and Operations Management (2009-2010). On 1st October 2010 he joined the University of Southampton as a Senior Lecturer in Finance.
    Southampton Management School has an excellent international reputation for the analytical study of management and business. Studying an MSc Management masters degree, or other postgraduate option, will introduce you to new concepts

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