Introduction to Commercial Real Estate

What is commercial real estate? Commercial real estate, basically, is any real estate that is not a home for people to live in. An office building, retail stores, and warehouses are all commercial property. Pretty much anything that you don’t live in is a commercial real estate. Real estate business has become one of the most overwhelming or profitable in the world today.

Commercial real estate is an investment that most people overlook. If you have been looking for an investment, you might want to look into the commercial property. Surprisingly enough, sometimes commercial property is cheaper to invest in than the residential real estate. Why? You may ask. You know how office buildings have suites. Often there are many offices all in one building. These suites aka lots can be purchased separately, and then rented out to a business.

For most people investing in commercial real estate never crosses there mind, but if they knew how much higher the yield (annual rental income divided by what it cost to buy the property.) was. Typically a residential property yields 3-5% while a commercial property can yield up to 7%. This is called the Cap Rate or capitalization rate.

With commercial real estate, you aren’t just buying a piece of property. You are also buying a form of business that will generate an income. You can have a substantial income from a commercial real estate. Agents who work with selling the commercial real estate don’t get paid as often because commercial real estate doesn’t sell as well as residential real estate, as proven by liveloveathome.com/blog/philadelphia-commercial-real-estate/.

Financing is done completely different with commercial property than with residential. Seller financing is used. An example of seller financing is the seller might offer a few years of seller financing for the buyer to get an idea of how well the property generates income. Therefore the buying/selling process can be a long-drawn-out process.

If you decide that commercial real estate is something you want to pursue, you will need a large down payment of 30°/o. You will also need collateral, something with value to it that the bank will consider if they need to foreclose they can get their money back.

One thing I would stay away from is balloon loans. A balloon loan is a loan that you pay on only the interest for the entirety of the loan and when you come to the last payment you have to pay the entire amount that the loan was for or refinance the loan.

You could also take on partners. You could set it up so that you are the primary partner and everyone you partner with are limited partners. The limited partners help generate funds but you being the primary partner make all the final decisions. That would make the investment mostly your property. This is a popular way for businessmen to go.

So, that is my overview of the introduction to commercial real estate. An investment opportunity that is often not even thought about. But now that you have read this, you have.

Should you apply for a social security card online

Like the name says a Social Security card provides protection. Your information relating to work is linked and saved to an official government data base. The initial process of getting a social-Security card should be done at the specific government department office.

Your social security card is a form of identification. Most American citizens have this card that consists of a special nine digit number. Each citizen has their own social security card with a unique number. This is a very important document that is given to Americans by the government. This card is used for various purposes. Many times people often wonder should you apply for a social security card online. Continue reading to find out more at www.assistedonlinefilings.com/replacement-social-security-card.php.

The purpose of a Social Security Card

As stated above the Social Security Card has several functions. Two of the main functions are presented below.

-Retirement

-Years of work

The social security card is used to facilitate retirement benefits. If a citizen has retired and is ready to get their social security benefits the card functions as an official form of identification. Once the individual presents this card to the official government department the process is made easy. It is easy for government officials to cross reference the information and get the incomes flowing.

It is also used to find out more information about the number of years an individual has worked. It clearly indicates the total number of life earnings a citizen acquired. There are different types of Social Security Cards. Someone who is trying to get a Social-Security Card needs to be aware of the below information.

Types of Social Security Cards

There are various types of social security cards. Below is a list of the different types.

-Non-work

-Restricted

-Non-restricted

Applicants need to be sure of the particular type of social security card that is right for them. Each card has its own specific set of documents that must accompany an application. There are many agencies that work with individuals to go through the process but there is a fee.

Social Security Card Online Application

There are facilities in place for individuals to apply for their Social Security Cards online. Some of them do not carry the nation’s official crest. Before individuals take the chance they should really check to verify the validity of the organization.

Many people often ask, Should you apply for a social security card online? What is important is that a social security card is an official document. When it comes to online businesses or organizations individuals always have to be mindful of frauds and cons.

There are individuals out there who would easily take personal information and use it. The process of applying for a social security benefit should only be done at the nation’s official social security website. Avoid using any non-official sites. The social security information is extremely important. There are reports were individuals’ personal information was lost, misplaced or misused after they went through the online application process.

Non-Americas who are interested in getting a social security card would need to apply at the US embassy in their respective countries. The officials present would be able to guide them through the process.

Conclusion

A social security card is very important. All American citizens need this card. It carries important personal information. Persons who reside outside of the US or individuals who are interested in coming to America for work also need a social security card. Therefore this card is very essential for anyone who is doing legitimate work in America. Applying for one online is easy but people must be sceptical when doing this. Make sure the site is an official site. Avoid possible identity theft.

The nightmare of losing your social security card

When you lose your social security card, you lose along with it personal information. You should consider replacing it as it is relatively simple and free. The worst case scenario is when your card falls into the wrong hands such as burglars and criminals. This should worry you because criminals are fond of stealing your identity and use it for illegal activity such as theft and violence with your name or may even rob you with your Social card.

The first thing to do is when you lose is to protect your identity.lt is essential to find out if your Social card has been stolen or it is just lost. To find out if your card is stolen, you have to keep watch on your credit report. If your card is in the wrong hands, they would eventually use your social number to apply for new credit cards with your identity. This adds up to your individual debt creating conflict with your creditors for the unpaid bills and will surely tumble down your credit score.

How do you find out if someone is using your social security card?

The easiest way to know if your card is being exploited in the wrong hands is by ordering copies of your credit report. It is free to inquire about your credit report and it is to your entitlement to inquire for the report from the main three credit bureaus; TransUnion, Experian, and Equifax. Study the report putting a notice on the credits under your name that you did not personally apply for. Afterwards, get a replacement fast with the aid of www.application-filing-service.com/socialsecuritycard/change-name-on-social-security-card/.

If you suspect that is illegally being used, you should report to the Federal trade commission to report through their website identitytheft.gov. There is an also a centre called the Internet Crime Complaint Centre where you can file your online complaint.

Subsequently, it is essential to report the theft to either TransUnion, Experian or Equifax. The credit bureau will place your credit on fraud report and will assist by notifying other bureaus for them to also put the card on a fraud report. You should also contact the Internet Revenue Services to prevent the fraudsters from filling a tax return with your identity so as to collect refunds that are owed to you.

If you are sure and have found proof that someone is using your you can request from Security Administration for a new Social Security number. The evidence should be factual such as a letter from the Internet Revenue Services with information that your tax filings have been declined because of interference by someone who filled them using your identity or credit reports of listings that you never applied for personally. This evidence about the fraud is extremely important as without it the Social Security The administration won’t give you a new number.

There is also a hotline to report fraud on theft, 1-800-269-0271. There is no need to carry your with you to prevent loss. It is not essential to carry your card in your wallet but you can store it your safe deposit box at a secure location.

Replacing your social security card

 

Social security card number is a nine-digit number that is assigned to every citizen of United States of America as a sign of identity and also it is used to maintain a link between the citizen and social security. This card is used to get hired for a job and to get many government policy benefits too.

The first three digits of the social security card number give you the code of the state from where you have applied for the card. Earlier, the number was assigned to the citizen right after when they were born but now they can get it made by anytime before getting an adult.

This card is a very important and unique and is always advised to keep it in a very safe place rather than taking it everywhere as it may be a big issue once you lose it. This card is not likely to be issued in the countries like Australia and India as they have their own systems and identification numbers. This SSC is used when you are filing taxes or submitting very important documents. The number information is very sensitive and hence it has been said earlier to keep it safe.

As it has been discussed above that this card is sensitive, then you must also have an answer to the question: how long does it take to get a replacement security card in case I lose it?’ Well, the answer depends on many factors from sscardreplacement.com/get-id-without-birth-certificate-social-security-card/ which are listed below:

The process is going to be tedious obviously but there are no extra charges if you lose the card and want a replacement. You have to prove your citizenship and identity as well. The documents which might help in it are:

1. US driving license

2. State issued identity card

3. US. passport

Apart from these documents, you can also have the choice of giving them the other identity proving documents such as:

1. School ID

2. US military ID card (in case you are in defence)

3. Employee ID card of the company you are working in.

You also have to prove your age which is directly related to the birth certificate. If you haven’t got your birth certificate or in case you have lost it, then you can go with the options given below.

1. US hospital record where you were born and it may be considered equivalent to your birth certificate.

2. US passport

3. If you are US citizen and still live out for many reasons, then you have to provide them proof of you being living outside for quite a time.

It has been told earlier that the citizenship is needed to be proved first to get the replacement card, then you must know that there has been a change in the rule and only US. passport and birth certificate can be used to prove the citizenship.

Talking about other scenarios, if you are an immigrant then you have to show your immigration documents which include:
1. I-94 arrival/departure record or admission stamp.

2. I-766 employment authorization document, EAD, work permit.

Submitting the required documents as soon possible can make the work go really very fast and the replacement can be obtained very easily but to be on a safe side, it is always strictly advised to keep the card safe and in a secure place.

Keys to a fast home sale

There are a number of reasons why you might be needing to sell off your real estate fast, maybe you are moving geographically or you want to take care of an emergency orjust because you want to. It doesn’t matter what the reason is but sometimes, selling a house can be quite a hassle, it could take weeks, moths or even years to close the deal. Listed below are some of the proven tricks on how to sell real estate fast from 1 Houston house buyers.

1. Sell to the Real Estate FIippers

The real estate flippers are also known as real estate investors. They come in handy if you are looking to sell your property within the shortest time possible. The advantage of using these real estate investors is that the deal can be closed within a very short time as they do not require to look for financial approvals or wait on valuation reports, also these investors will always the real estate on an as-is” basis, relieving you the stress and the costs of renovations. The only downside with these real estate investors is that, you will have to sell your real estate at a slightly lower cost compared to the actual market rate, which is a small price to pay if you are in a fix or an emergency.

2. Add Incentives to attract buyers.

Adding in some giveaways like a TV screen or wall paintings could attract buyers at a faster rate than just selling a plain real estate. Other forms of incentive could be to give cash discounts for example, giving 15% off the original price if a customer is paying cash within a specific period. Such incentives will most likely attract buyers for your real estate.

3. Set the right Price

Price is such a huge determinant on how fast you will sell your real estate. Pricing the real estate slightly lower than the market price will help you edge out competition and attract buyers easily as opposed to setting very high prices that will fend off potential buyers. Pricing your property right means that you will be able to attract several buyers and from there, you will be able to get the most suitable offer to sell your real estate.

4. Get a qualified agent or real estate pIatform

Getting a real estate agent will help market your property easily. It is normal for buyers to contact real estate agents and platforms for available properties rather than do a door to door search for real estate. It is therefore important to get the services of a reputable agent to do the marketing for you. In case you are not willing to hire a real estate agent, then you should equip yourself with great marketing skills in order to sell the property fast enough. Otherwise, you might get stuck with the real estate for a while.

5. Make the necessary renovations

Real estates that are a bad condition will tend to sell at a very slow rate compared to well maintained property. The general condition of the property will definitely determine the rate and time it will take to get a buyer for it. Therefore, if you are looking to sell off your real estate very fast, you should make the necessary renovations before putting it to market.

6. Location is key

The basic selling point of any real estate is location. If you chose to list your property for sell, you put a very catch and nice descriptive that goes with your listing. This will help the buyers to get all the necessary information they might require before making the decision to buy, On the listing you put out, mention the closest social amenities, major roads and cities and their proximity. the close you are to such facilities, the easier it becomes to sell your property. On the listing, you should add some good quality pictures in order to give the buyers a visual look of the real estate, both on the outside and the inside.

Secret to a great beard trimmer

When men do not take care of their facial hair, their appearance seems to be untidy, however when the best beard trimmer brand is used to shave off the hair, the resulted outcome will be excellent. In the market, there are very many types of them and may be difficult to know which is the best brand. However there are a few factors that you should consider to decide, thank the pros at http://beardcareshop.com/remington-pg6025/ for the helpful advice.

Having a nice look goes along with what people portray of you, an unkempt beard can create a very bad impression. Knowing how to handle this situation is very important. There are two ways of doing this with a trimmer and these are, having a clean shave or reducing the length to the right level. When the right equipment is used, things will work out well for you.

Currently, the Philips brand is the best in the market due to the awesome services offered by the trimmer. If you are fond of travelling, luck is by your side since this brand is portable hence you can carry it with you wherever you go. It is small and suitable for your use since it is rechargeable and when fully charged, it can last for two hours. Charging is done within an hour.

Durability matters a lot too since no one wants to buy an item that will only last for a short period only to go back and purchase it again. When long lasting attributes are associated with the trimmer, it shows that the overall performance too will be good. It should cut your hair with ease without pulling it off forcefully. You should not experience any pain at all while shaving.

The quality of the blades is one of the main factors that you should look at. This is because most of the job is done by them. If they are prone to rusting, they can be a danger to your well being. Stainless steel are the best since they do not experience this. The shape of the blades is considerate too. How they are positioned on the edge determines their potential. If they are in a good position, the risk of getting cuts will be very minimal.

We should take care of the surface of our skin. If any damage occurs, it can result to a permanent scar that will leave you with much regrets. Making a good decision on the best equipment before purchase is a very crucial matter. A lot of research should first be done before making your conclusions. Some people have a very sensitive skin and therefore some brands have been made to cater for this allergenic condition by modifying how the blades work. Proper oiling on them is very essential after every shave.

When you use such high quality types, you will never at all experience any side effects brought about by low standards. This is because the make is modified with safety measures that prevent such cases from happening. There are many types of them and when you decide on purchasing one, you will just choose that one which suits the length of your beard.

Factors to consider when buying bike lights

Night riding is one of the best activities to refresh the mind and body after a long demanding day . But doing so without lights is definitely a bad idea. Especially in dark areas, such as when camping in the woods.

So if you want to hit the trails when there is little distraction as most people are tucked inside their sheets, you at least need a beam of light. Well, you don’t want to crack your skull. Sometime, you don’t have a choice as having bike lights are state regulations.

There are a bevy of bike lights out there and choosing which one best suits your needs can be overwhelming. In this guide you will get tips on how to pick the right bike lights for mountain biking.

Factors You Should consider Consider When Picking Bike Lights.

Discussed in details are the factors that should always be at the back of your mind before you make the choice. Tips and recommendations have also been provided.

1. Mounting/ positioning of the lights.

When mountain biking, you require quality lights to avoid accidents.In street biking you must always protect yourself from other motorists. This is usually by the use of red rear and side lights and flashing lights. However, in mountain biking there are hardly any other motorists so the focus would be on the forward lights. Do you need a top of the handle bar mounted lights or helmet head lights. While most people think only handle bar mounted lights are necessary, both are equally important. Hitting the trail at night can be risky and you better have both.

One usually can only see where the light illuminates. The bar headlight is always good at pointing straight forward. However, when negotiating corners the bar headlight can be pointing forward when your head has already negotiated a corner. This is where helmet headlights come in, they are more flexible and will always point at where your head is facing.

The two complement each other. If you are going mountain biking then you have to acquire both. Some states actually require that you have both, as a matter of law.

Whatever types of bike light you pick make sure they are easy to mount and set up for use.

2. Level of brightness.

How much light is blinding bright and how much is blurry dim? The amount of brightness is measured in Iumens.

The minimum amount of brightness required for biking is 300 lumens. This will however vary according to the nature and place of biking. The minimum may work on the lit streets at night, but for mountain biking, nah, you will need higher. Lumen capacity for mountain biking is between 500-900 Iumens subject to individual unique conditions.

Another important aspect of light is the Beam Distribution. Smaller narrow beams act like spotlights. Wider focus beams are recommended for mountain biking as they increase the peripheral view.

3. Are the batteries rechargeable?

Biking lights usually come as either alkaline non-rechargeable batteries or rechargeable ones. Lately most of the rechargeable biking lights feature lithium ion batteries.

The advantage of rechargeable bike lights is that they offer constant, consistent light until the battery is drained. You will also get warnings when the battery is about to go flat and light indicator for the battery state. In contrast, non-rechargeable bike lights usually dim as the battery drains making them unsuitable for mountain biking. However, it is always easier to carry extra non-rechargeable batteries.

Lithium ion rechargeable battery bike lights are the best for mountain biking. They are light, offer excellent power, keep power for a relatively long period of time after being fully charged and are easy to charge.

4. Battery life.

Mountain biking require bright lighting. Also, you can spend a long time there. High capacity long lasting batteries are therefore essential. You don’t want light to fade out on you in the woods in the middle of the night. It can get scary and messy.

Generally, more expensive mountain biking lights will feature high capacity batteries.

Apart from picking high capacity easy to charge batteries, consider ones with brightness adjustability settings. Regulating the amount of brightness and quality of the beam will extend the battery life while still having optimum light at every situation.

Whatever your budget these tips will help you find a good biking light. Ensure that you get value for your money by finding a product that blends the above features. Mountain biking will never be the same again with a good biking light. You never know, you may also be complying with your state’s biking regulations.

Water Softener

The very first step towards choosing the right water softener is realizing that you have the problem of hard water. Unfortunately, problems caused by hard water take some time to manifest. They are only detected when water pipes start clogging or water-using appliances start malfunctioning. Hard water contains minerals, especially calcium, iron, manganese, and magnesium that dissolve to form scale and lime. These form as deposits on water pipes and water-using appliances, such as dish washers, water heaters, and coffee makers. The minerals also diminish a soap’s ability to Iather and clean, leading to more soap use and longer rinsing. Hard water can have a different odor, taste, or appearance. Hard water also affects health because it increases the risks of rashes and other skin problems, as shown by watersoftenergurus.com.

When you are sure you have hard water problems, seek to know how hard your water is. This is called hardness testing. It involves measuring the amount and type of minerals in the water. Testing can be done by the use of test kits, which can be bought online. Another testing criteria is to search the internet for water hardness map and check whether you live in a region marked as hard water region.

After identifying the hardness of your water, you must choose the size of the softener. Sizing is fundamental in the process of selecting the right softener. A softener works by exchanging its soft minerals with the hard minerals in your water. For example, calcium is exchanged with a soft mineral, sodium. The softener contains some chemicals “magnets”, called ion exchange resin. They help in the exchange process. Therefore, more magnets mean higher capacity (gallons purified before regeneration of the softener) for the softener. The capacity of a softener is measured in grains per gallon. One such measure equals 17.1 parts per million.

To choose softener sizing, calculate the amount of water consumed in your homestead. An average person should consume 80 gallons of water each day. If a family has four members, their daily consumption will be 4 X 80 = 320 gallons. If the grains of water hardness was found to be 10, this family will need a 3200 (320 X 10) grain softener.

After choosing the right size of softener for your home, you can focus on softener type. The basic types are timer generated softeners, meter generated softeners, and manually generated softeners. The timer regenerated softener operates on time clock. For the homestead example above, the timer would be set to regenerate after every 7 days. This will ensure that regeneration occurs regardless of the amount of water used, using 8 pounds of salt per regeneration. This is the cheapest softener type but it consumes the most salt.

Meter generated softeners track the amount of water used and regenerate once a required level is consumed. It does the calculation example given above. It is able to adjust to changes in amount of water consumed. For example, when the family is on vacation and leaves the home, there is no much water usage and it adjust regeneration accordingly.

Manually generated softeners do not use timers or meters. You have to regenerate them manually when need be.

Field Programmable Gate Arrays

Learning and surviving in the world of continuously changing technology industry, it can be difficult for beginners as well as experts to get left behind when it comes be being fully knowledgeable about the latest technology, especially when there is an abundance of abbreviations for various technological equipment and methodologies.

Today we will discuss FPGA boards. FPGA is the abbreviation for Field Programmable Gate Array. Basically, an FPGA board is a combination of different electronic circuits, consisting of resistors, transistors, and inductors arranged on a silicon board. The circuit can be programmed and customized according to the user’s needs. A large number of pre-programmed electronic circuit boards are available for easy purchase. The specialty of an FPGA board is that it can be programmed by the individual after the initial manufacturing and purchase – http://www.directics.com/fpga-board/.

How to Choose an FPGA Board

It is often difficult to know which board to purchase that would meet your requirements. There are certain FPGA boards available that can be easily changed that would enable it to be used for whatever purpose you have bought the circuit board for.

An OTP board, a One Time Programmable board, is used when the individual who is buying the board only needs it for a single purpose and so the customer can buy this board as it is pre-programmed by the manufacturer. This means that once the circuit has been set to perform a certain function, it is unable to be programmed to perform any other function, and any other function would require buying a separate circuit board.

A major advantage of acquiring an FPGA board is the decreased amount of time to sell to buyers and decrease the one-time costs of engineering the boards. An FPGA board is especially useful for people who are employed in a field that requires multiple functions to be performed by a single electronic circuit, to reduce the cost of circuit boards that can are pre- programmed or can only be programmed once. People who work in the field require boards that can be programmed an unlimited amount of times and can be easily repaired in case of damage. If there is someone who requires the board to be applied vertically, an FPGA board is highly recommended.

In order to operate and program an FPGA board, an individual is required to have ample knowledge and understanding of HDL which stands for hardware description language. There is a wide variety of HDLs that can be chosen by the user, however, the HDL chosen should be one that can correspond correctly with the circuit board chosen by the user.

There are a lot of difficulties, especially for beginners, when it comes to choosing the right kind of board to properly perform the purpose it is bought for, in addition to knowing the appropriate hardware description language for the specific board type. It is crucial to find a company that can properly customize the FPGA board in order to achieve the function of the board that it has been bought for.

Types of Trimmers

Almost every man with a beard needs to give his beard maintenance ever so often. Beard trimmers can range anywhere from $10 to $100, and quality trimmers typically start at around $35. When determining your budget for a trimmer, it is important to consider your beard’s needs, such as its length, how often it needs to get trimmed, whether it needs to be waterproof for shower use, etc. Once you have answered these questions, you can begin allocating a budget to use at beardcareshop.com.

Luxury Trimmers

You will probably have to allocate somewhere between $65 and $100 to your beard trimmer budget if you are the kind of man who feels more comfortable buying the more fancy brands. However, oftentimes these brands don’t offer much more than the less expensive brands, other than a stylish, luxurious design. In any case, if there is a particular “fancy” brand that works great for you, and you don’t mind the few extra bucks, by all means, go ahead and stick with it. Like they say, “if it ain’t broke, don’t fix it.”

Good Quality Trimmers

Trimmers in the $35 and $65 range are typically of very good quality. It is generally recommended to buy this type of trimmer, especially if you will use it often. Their price will vary depending on the brand and number of features they offer. Trimmers with more features and bigger name brands will probably be more expensive. Less expensive trimmers from different brands will not always include the same features. For example, a $35 trimmer of a certain brand may include rechargeable batteries and stainless steel blades, but no waterproof technology, while a $35 trimmer from a different brand may include waterproof technology, rechargeable batteries, but no stainless steel blades. It is important to determine which features you require in a trimmer in order to plan your budget accordingly. Below is a list of features that different types of quality trimmers offer.

 

Rechargeable batteries – does not require a cord or purchasing new batteries

Waterproof technology – perfect for use in the shower

Lithium power technology – does not lose its power over time

Stainless steel blades – last longer and are more comfortable

Multi-use – can trim other parts of your body

Interchangeable trimming blades – for styling and a more personalized use

Length settings – for different beard lengths

Cordless – for more comfort

Lightweight/portability – ideal for travel

Basic Trimmers

For men who never really trim their beard and prefer a more rugged, less concerned style, a $10 – $30 trimmer may suit them best. These trimmers might only include one or two of the above-mentioned features, if any. Nevertheless, for a person who will not make much use of a trimmer, this is likely the better option.

In conclusion, when planning your budget for a new beard trimmer, it is important to first determine what features you are looking for. There are all sorts of trimmers available on the market, ranging from the simplest and most basic to the most sophisticated and versatile technology and brands.

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