Everybody dreams of a good life — a life that matches our goals and aspirations. It is most people’s dream to have a balanced lifestyle, to live a life where we can spend quality time with our family and friends and to do things that provide us with a sense of happiness and fulfillment while at the same time giving us significant income to sustain our needs and wants.It is a reality that challenges will always be part of our lives but with courage, determination and optimism, we can overcome any obstacle that may come our way. Unless you act now, you will never be able to know your true potential. Dreams are blueprints to your future success. Believe that you are capable of achieving your dreams and that you can be successful in anything that you want to do, but you need to have direction and to manage your career very well to achieve this.I know first hand, not just as a professional career strategist, but also from personal experience. My career has had its twists and turns, and it took me a long time to discover a fulfilling career as a career counselor, career coach and internet marketer.Do you know what your career goals are? Make a list of the things that you want to achieve in your life in the next 20 years. Here are a few guiding questions to help you identify your personal career goals:What would you be proud to say you had achieved?What sort of people do you like to work with, both as colleagues and as customers/clients?What has given you the biggest sense of fulfillment in the work you have done in the past?Does your current occupation have the potential to provide opportunities to grow and to further improve your skills and talents?What sort of lifestyle do you ideally want in the future? Is your current work life leading you in that direction?When you imagine your life in 20 years, what level of work will you be doing? Is your current work life leading you there?The next thing that you must do is to create a plan of action, that is the steps that you are going to take to achieve your dream career. I suggest you seek the help of an expert who is capable of providing you with good advice and genuine support. This is necessary if you want to make wise decisions and achieve success. It is also important to surround yourself with people who understand your dreams and are truly concerned with your success. This will help you maintain your motivation, even through hardships. The most important advice that I can give you if you want to succeed in creating a career that you love is to persevere! Some people never succeed in discovering their passion, let alone achieving their career goals, because they don’t have enough perseverance.Many people literally become “sick of work” — not just tired of doing the work that they are being paid to do, but physically sick as a result of the stress involved in their work. Life is too short to be wasted on work that makes us unhappy or even sick. It is up to you to be proactive about your career, to make the decision that you are worthy of having a career and a life that you love.
Commercial mortgages are loans taken for the purchase of property that is, only intended for business or commercial use. Properties like shopping centers, industrial centers, offices, golf courses, resorts, hotels, parking garages, and car washes are termed as commercial properties. In Colorado, the best way to apply for a mortgage for a commercial property is to contact a commercial mortgage broker.Colorado commercial mortgage brokers are usually a part of the Colorado Association of Mortgage Brokers (CAMB). It is a non-profit organization, aimed at providing assistance to professionals specializing in real estate. Commercial mortgage brokers are provided with training programs to keep them up-to-date with the latest trends and practices through this organization. The Colorado Association of Mortgage Brokers is also a part of the National Association of Mortgage Brokers.It is necessary to get commercial property financed, at a competitive rate as it directly affects the finances of the organization. Commercial brokers come into the picture once a company decides on the location and price of a property. Usually, organizations opt for a ‘commercial interest only’ loan, as it provides them with an option of paying, only the interest for the first few years of the loan. A commercial loan can be for period of anywhere between five to thirty years. The rate for these loans can be either fixed or adjustable.To become a commercial mortgage broker it is necessary to get a license. The appropriate regulatory bodies that are set in place regulate all the brokers. A regulator body will ensure that the broker complies with the laws. However, to know how a broker treats the customers and if the services provided by the broker are satisfactory, it is advisable to get an opinion from other similar business companies.Commercial mortgage brokers advice the companies in deciding the best loan option. They help their clients understand the whole method of writing a proper loan application, processing the loan file and closing the loan. This helps the companies save a considerable amount of time and money.
Trepp, commercial research provider found that defaults in commercial mortgage securities (CMS) has jumped 85 basis points by the end of November 2009.The Mortgage Bankers Association’s Delinquency Report is showing the 30-plus-day delinquency rates on CMS loans are also rising.”What we are seeing now is a recipe for disaster in the commercial real estate market for 2010,” said Ulysses Sanchez, Real Estate Commercial Group, a commercial loan restructuring company. “A large number of balloon loan payments for commercial property loans are coming due in 2010 and 2011. In the residential arena we know pay option arms are also due to recast in 2010. The vacancy rates are at high levels for multi-family, the unemployment soaring and commercial property values plummeting, commercial property owners are not going to be able to service their debt without serious commercial loan workouts of their loans and business. Property owners need to prepare now in order to avoid default.”According to government officials, the US has about $300 billion in negative equity overhang what will need to be refinanced in the next two years. Refinancing is a big fat if, that is if the Banks are lending of course. The numbers will only continue to increase as approximately $2 trillion or more in commercial mortgages are expected to come due for payment within the next five years.If you are a business owner seeking help for a commercial loan workout or commercial loan modification, be careful. As many companies populated the residential marketplace, the same is happening in the commercial sector. Just Google “commercial loan modification” and you will see for yourself the proliferation of the so called business opportunity as they are being touted by so called “experts or affiliated with a attorney. The problem becomes that legitimate organization like Real Estate Commercial Group that have the expertise and wherewithal to develop a responsible and well laid out commercial loan workout that is acceptable to the lender and client are being squeezed out by the “pretenders” of the industry.Eventually these pretenders or affiliate attorney companies will get the attention of the attorney generals of their respective states. For example in Florida Attorney General announced yesterday he has filed a lawsuit against three business and their principles and affiliated attorneys on allegations of deception practices regarding their involvement in residential foreclosure scam.”if you are a business owner facing a financial hardship, don’t wait do something call us at 1-877-793-2339 x 2310, we are not attorneys, we are bankers. If we need a attorney, its for a Chapter 11 “, said Ulysses Sanchez, Commercial Loan Modification