Business

New Section 199A deduction could provide additional business tax savings

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The Tax Cuts and Jobs Act of 2017, Regulation 11011, Section 199A, has provided a 20% tax deduction for transfer companies. Eligible taxpayers include sole proprietors, S corporations, partnerships, publicly traded partnerships (PTPs), and real estate investment trusts (REITs). While calculating the deduction could be a difficult challenge at best, many taxpayers could end up adding to their bottom line.

Section 199 A, also known as the qualified business income deduction, has two main components as follows:

  1. Eligible taxpayers may be entitled to a deduction of up to 20 percent of Qualified Business Income (QBI) from a domestic business operated as a sole proprietorship or through a partnership, S corporation, trust, or estate. For taxpayers with taxable income in excess of $315,000 for a married couple filing jointly, or $157,500 for all other taxpayers, the deduction is subject to limitations such as the type of industry or business, the taxpayer’s taxable income, the amount of W-2 wages paid by qualifying business or industry and unadjusted basis immediately after acquisition (UBIA) of qualifying business or industry property. Income earned through a C corporation or by rendering services as an employee is not eligible for the deduction (www.irs.gov).

  2. Eligible taxpayers may also be entitled to a deduction of up to 20 percent of their combined dividends from qualified real estate investment trusts (REITs) and qualified income from publicly traded companies (PTPs). This component of the section 199A deduction is not limited by W-2 wages or the Qualifying Property UBIA (www.irs.gov).

At this point, you may be wondering how an S-Corporation, Partnership, PTP, or REIT qualifies as a taxpayer when these business structures are considered “stand-alone” entities. Well, the answer to that question is that all of the aforementioned business structures report each partner’s or shareholder’s portion of Qualified Business Income (QBI), W-2 wages, the unadjusted basis immediately upon acquisition of the qualifying property. (UBIA), qualified REIT dividends, and qualified PTP income in the K-1 program. The deduction is then determined for the applicable taxpayers.

A qualified trade or business, as defined by the IRS, is any trade or business, except a specified service trade or business that involves the rendering of services in accounting, healthcare, law, actuarial science, performing arts, consulting, athletics, financial services, investment, investment management, trade or any trade or business in which the main asset is the reputation or skills of one or more of its employees. The only exception applies if the taxpayer’s taxable income exceeds $315,000 for a married couple filing jointly, or $157,000.00 for everyone else. This exception also applies to taxpayers who perform services as employees (www.irs.gov).

Home Kitchen

Gluten Free – My Story

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Last year I was asked to prepare food for a princess party at the local museum. It was going to be for girls, from very young to teenagers (with a queen accompanying them), to learn what it meant to be a princess in real life. The things they were shown were photos of royal princesses past and present, and talks about the rigors of growing up as a princess were featured. The budding little princesses were taught how to curtsy and wave.

Any girl hears the word Princess and is left with dreamy eyes. There are so many princesses in fairy tales, Cinderella, Snow White, Sleeping Beauty to name just a few. All the girls wanted to dress up and come to a Princess Party.

My assignment, making the princess’s treats, led me to make some delicious and beautiful little foods. At the last moment, I found a recipe for chocolate mice.

They seemed so cute; He just had to try them, so I made just a few. Mice seem to feature prominently in some fairy tales, such as Cinderella. I thought they would be very appropriate. I used them to decorate the plates and the table, but there weren’t enough to give one to each little princess who attended. Still, they were well received and acclaimed, and everyone wanted one. I archived that success to use at a later date.

However, in the course of that party, I found out that one of the little princesses and the queen who accompanies her (who is one of the museum employees) have gluten intolerance.

That little princess, even though she wanted one of the little mice as much as all the other princesses, couldn’t have it because it wasn’t made gluten-free. I felt heartbroken. I love to cook and bake, and all the pretty meals were a big hit, but not for that little princess and the queen of hers. This was unacceptable. I had to learn about this problem.

The first Princess Party was such a success that a few weeks later the museum held another one, so that some of the little princesses who had not been able to attend the first party would now have a chance. The Queen who works in the museum would be present again with her little daughter. This time she would pay more attention to the food being served.

Beginning of the learning process

At that time, I knew that wheat contained gluten. He had no idea about some of the other things that might contain wheat, or even about cross contamination. I found a new recipe for chocolate covered mice. He used a basic cake mix recipe (with gluten-free flour), baked, then crumbled with a little frosting to form a batter for the bodies, shaped and dipped in chocolate. I used sliced ​​almonds for the ears and red licorice for the tails. Everything was ready. I made the little bodies. I got my licorice packet to do the queues. Something made me look at the ingredients. It contained wheat. Oh good grievance. Now what.

My husband, always willing to solve a problem, searched online and found a place that sells gluten-free licorice, ordered some there, and it arrived within a few days. I finished making the little mice, in a smaller size than the first time, and they were so cute that I couldn’t wait for all the little princesses to enjoy them this time, including the gluten intolerant little princess.

I kept the concept high in my mind during the creation of all the little gifts made for that party, and I was careful to have plenty of alternatives. Everything I made was delicious and everyone enjoyed it, and that’s exactly how it should be.

continuing education

After that event passed, I continued to be curious as to what could be made gluten-free. I help out at the museum quite often, making treats for events as well as just sharing. My sister-in-law also works at the museum and I have become an extension of the museum family. The young lady who is gluten intolerant is a very sweet person, and I didn’t want to have to exclude her from enjoying some of the things I do there, so I started looking online to see what all this gluten-free was all about. on.

That’s when I found out that aside from the obvious wheat, barley and rye also contained gluten. Oh my. Okay, so that really started to feel a bit overwhelming, in reference to making a recipe. I talked to my best friend in the world (since second grade), also named Chris. A few years ago, he decided to stop eating gluten because he felt that he was possibly gluten intolerant to some degree. Knowing this, I asked him what he did on his way to the gluten-free diet. What did she bake? How good was she compared to wheat based recipes. Has she ever made bread?

She gave me many good ideas, as well as more knowledge. She talked to me about cross-contamination, about not using anything made of wood, since it could never be completely cleaned of wheat; how much all this could affect a person who was intolerant to gluten. It was daunting. Scary. Frustrating.

Next steps

I thought a lot about all this. I thought about how glad I was that gluten intolerance wasn’t one of my problems. But I also thought about what it would be like to have to face this problem, as many people do. What would it mean to me? He was determined to learn.

The local supermarket (a local grocery and a fabulous store) offers five different varieties of gluten free flour mixes. They also carry most different single type flours that can be used to create your own gluten free mix. For starters, I bought a Namaste brand gluten-free flour mix to try. The next day I made pancakes for breakfast, using my normal pancake recipe, but substituting this gluten-free flour, plus a half teaspoon of xanthan gum. I love peaches on pancakes, so I added peaches to the recipe. They were completely delicious. I put a couple on a plate with some maple syrup and gave them to my husband to try. He loved them. Okay, he was on a roll.

I used that same flour mix (in a regular wheat flour recipe) to make a cake, again adding xanthan gum. It turned out perfect. The texture was slightly different, but the flavor was great. I don’t think anyone would know the difference if I didn’t tell them.

You may be wondering about xanthan gum. I did. I read about it, and it’s a thickener. Add cohesion to gluten-free recipes. It’s an expensive ingredient, but you don’t need a lot at once. I’ve just been guessing, mostly. If I’m making a recipe with 1 cup of flour called for, I can use 1/2 teaspoon of xanthan gum. If it’s a larger recipe, like a two-layer cake, you could add 1 teaspoon of xanthan gum to the entire recipe. I sift it along with the flour and any other raising agents normally used in the recipe. I also recently read that more top chefs are using Xanthan Gum these days, as it thickens things without the need for heat. Making a runny salad dressing can gain a bit of body by mixing it with xanthan gum, for example. I haven’t tried this yet, but I will.

branching out

The vast majority of the recipes I’ve made gluten-free in my testing phase are ones I’ve made many times in the past with all-purpose regular (wheat) flour. Most of them have been pastries or coffee cakes, in addition to pancakes. He wanted to see what would happen, using recipes he knew well. In general, I find cakes to be more moist and I really like that aspect. Now I felt it was time to try a different combination of flour. King Arthur Flour catalog had their own gluten free all purpose flour blend, although they also supplied the combination of the flours, as well as selling the 3 different flours used to make that mix. I bought all three flours and proceeded to mix my mixture. I made pancakes. yum. Okay, that was a try, so I moved on to another cake. Exit.

I’ve been trying to bring some of these cakes to the museum, to get her opinion from the gluten intolerant young lady who works there, along with everyone else. I even scheduled a time to talk to her, just to poke around in her brain a bit and see if there were any other traps I wasn’t aware of. I got more tips from her as well as sharing another coffee cake with her that was so delicious. I feel like I have a better handle on the whole thing. I went online, searched for recipes, and fell in love with a particular website. I found a lot of recipes out there that I want to try. I’ve tried quite a few, from various sites. However, so far, my biggest successes have been with old tried-and-true recipes. I just substituted flour (and xanthan gum).

What about the bread?

I wondered about the bread. I read about it online and how it doesn’t work like regular wheat bread dough. I talked to my friend Chris again. She said that she tried to make bread a long time ago and made enough bricks to clad the front of my house. She said that she gave up bread. It’s okay. I know what a good cook and baker she is, so it was a bit disheartening to hear that. Still, I’ve been making bread for over 40 years. Okay, regular wheat breads, but I have a lot of baking experience. I have printed numerous gluten free bread recipes online. I haven’t tried them yet. Except one. And oh, it was good. I told my friend Chris. I don’t know if he’s tried it yet, but I did bring some of this bread that I made to the young lady at the museum and she loved it.

I’ve also been making pesto for over a year now and using it in my no-knead (non-GF) bread. I brush it on, sprinkle with some grated Parmesan, and broil for a few minutes until the cheese is melted. It’s fantastic. I made this with a slice of gluten free bread that I made and it was just wonderful. I also had a slice of pesto bread for the woman in the museum, and tears came to my eyes as she said, That has to be the best thing I’ve had since going gluten free.

Now I know how careful you have to be when embarking on this path. I also know that I can’t give things I bake to anyone with a severe gluten intolerance, because my kitchen is regularly used for baking and cooking with wheat flour. I better understand what works and what doesn’t.

I have tried buns. Unsuccessfully. Still. I have tried the cookies. Unsuccessfully. Still. I will be there. You can too.

Auto

What makes a great car rental company

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A car rental company is an agency that offers the use of motor vehicles that are normally rented for a short period of time at a cost. Most of the time, car rental companies will cater to people who do not have access to a car for a set period of time for whatever reason. For example, in some cases, a person may be visiting a country on vacation or may be traveling out of town or the person may have recently been out of an accident and are temporarily unable to use their motor vehicle because the car is being repaired. . done on it.

An established car rental company will offer several different cars for rent, such as vans, trucks, and SUVs. The company will also offer a wide range of prices and options for selection. Most car rental companies will compete for customers by offering great deals on rental cars in order to attract as many customers as possible. This is because the more customers they get, the higher their profit margin will be. Some companies will even offer great rates to customers who will be renting a car for longer periods, like a week or so. In addition, car rental companies will offer unique weekend rates to customers, as well as a free charge for minimum mileage. However, if the customer exceeds this minimum mileage, they will begin to pay any excess over the minimum mileage. These are all great offers designed to attract customers and lure them into renting a car.

In an attempt to increase your profitability, a car rental company will even offer special discounts and fantastic incentives. For example, some companies will try to build customer loyalty by offering deep discounts on reservations made online. Other deals offered by a car rental company are coupons and promo codes, which are typically entered into the booking form on the company’s website to offer great car rental prices. However, the client must take extreme precautions when making reservations online, since some companies charge cancellation fees for any reservation made regardless of the reason. Therefore, it is recommended that the client read all the terms and conditions of the agreement, and if the client is unclear about any of the terms or conditions, they should contact the company for more details.

Some car rental companies also offer special offers through credit card companies. Therefore, it is also recommended that before customers make reservations with any car rental company, they check with their credit card company first. By doing so, they will be able to get great deals from companies that offer rental cars. There are many other special offers that a car rental company will offer customers in an attempt to attract your business. However, your primary goal in your car rental operation is to satisfy your customers’ need for private transportation, as well as maximize your ability to remain profitable. In turn, customers should try to take advantage of these special offers and get the high-quality service they deserve.

Digital Marketing

Social Media Engagement: Future Trends

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Not long ago we would wait for the friendly neighborhood postman or for the long distance call. More recently, it is the ubiquitous email. They see the present and things have improved. We experience tweets, Facebook posts, and updates continuously. Not to mention the instantaneous aspect of it all. This evolution in gaining social engagement will reach new heights in the future. There will hardly be any differences between the real world and the virtual one. With this, we will look at the potential trends that will shape the near future.

The rise of location-based features

Location dependent services like Gowalla, Foursquare will dominate the prospective future. Brand agencies will continue to shape the service which is already expanding across various demographics, topographics and regions. The population will like to take advantage of the content related to the regional configuration. Furthermore, they will share said content, making it a closer social connection while still being relevant. Currently, location-dependent services via mobile have more than 50 million users. This will further encourage 500 million users by the end of this year. For 2014, services will contribute about $12.7 billion.

Share content

Today, sharing video content is a crucial aspect of maintaining social engagement. This trend will only move north due to technological growth in streaming video. Such technology fosters the sharing motive for both salespeople and prospects. In truth, video-based sites are controlled by consumers, not brand agencies. The masses make and watch the content they want to see. More than 35 hours of video are updated every minute on YouTube mobile access accounts for almost 10%.

Augmented Reality: The True Experience

This real-time mechanism of combining live information or action with the real world will play a key role in future social interactions. Augmented Reality brings both social and real events to life. In addition, it will bring to life places such as museums and tourist attractions while generating social commitment. Technological mechanisms, for example, layar are becoming more and more popular through the Android platform. It will continue to foster growth exponentially. Brand agencies using augmented reality will play a key role in e-commerce, where potential customers can “try on” different outfits and accessories.

Games: the social style

Zynga it is to games what Henry Ford is to cars. Both made their offer affordable to the common man. by Zynga The $15 billion valuation is a testament to that fact. By now, social gaming has changed the way we conduct trading and trading in a variety of ways. Let’s face it, almost everyone is guilty of protecting their virtual livestock and preserving the green of their towns. The direction of such applications only goes in one direction – the progressive way. As brand agencies continue to alter our lives and create more interactive experiences. In short, turning social engagement into the prospective future will make people choose your market, and in turn, the market will reach them.

Health Fitness

Improve Your Cheerleading Performance With Core Drills

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Having a strong core or midsection is an important aspect of your physical conditioning. A strong core will not only help you stabilize your body and improve your performance, it will also reduce the chance of injury. You can achieve this with a regular training program that includes exercises geared towards this.

You can target the lower back area, abdomen, and either side of the midsection. These core areas are the ones you will work using a variety of exercises. Below are some sample exercises to get you started.

1. For your abdomen you can start with the basic abs. The simplest is to lie on the floor with your knees bent, lift your torso up by curling it up while simultaneously rotating your hips to press your lower back into the floor. Try doing crunches while lying on an exercise ball with both feet on the floor.

2. Do the plank. The plank is simple in execution but can be difficult for some until they get stronger. It is executed by getting into a push-up position, but you will be supporting yourself on your forearms instead of your hands. Keep your body straight from head to toes and hold this position for a count of 30. If you can’t hold that long, start with a shorter time.

3. For the back, lie on your stomach with your arms stretched over your head. You can place a rolled towel under your hips to support your back. You can alternate raising and lowering each arm and leg separately for a count of three. Also try lifting your upper torso slightly off the floor as if you were doing reverse crunches for 10 repetitions. Be careful not to try to lift too high.

Legal Law

Reducing the Cost and Time of Legal Processes

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Mention of the term litigation immediately conjures up images of bulk documents that need to be properly organized. In fact, litigation document management often involves large expenses. Therefore, lawyers need to finish documentation work in less time and keep track of people assigned to different projects. The implementation of such a process requires careful planning. There are a number of software packages available on the market that attempt to make the process much easier for law firms. In this way, the expenses are reduced considerably and the companies end up obtaining benefits in the long term.

In the past, legal case management software had more or less focused on the lifespan of a case. However, there are various packages available these days that are more sophisticated and therefore include different stages of the process. Pretrial discovery is one of the important areas of consideration. This refers to the process of obtaining information that can be used as evidence or data to support claims made by one of the disputing parties in a legal battle. It is one of the most costly aspects of commercial litigation.

Retrieving hard copies of each case record is not only time consuming, but can also skyrocket costs. However, the pretrial discovery process is gradually being transformed to an electronic proceeding, which significantly reduces the expenses involved. Practice coordinators often extract the required information and then process it, making it available to the legal team. It is important to understand that each customer is different and therefore the way he or she provides information is different. In fact, this is one of the crucial aspects of effective legal case management. The ideal software for a law firm should be such that it acts as an efficient and affordable interface.

Once the information is available in electronic format, it is easier for lawyers to look up the documentation at any time. The development of such software is especially aimed at minimizing the time lawyers spend searching for and retrieving documents.

Converting hard copies to electronic copies can be a daunting task, especially for a small-scale law firm. Several law firms, the ones that are not at the top tier, lack the necessary IT resources and therefore have no choice but to outsource the project. A database of existing records is created, maintained internally, and then web access is provided to employees.

Case management software is also equally focused on ensuring proper billing methods. The goal is to substantially reduce costs. This has been triggered by the fact that most companies have extremely price sensitive customers. Some attorneys believe that taking the help of legal case management software takes you beyond your skill set. However, actually, it works favorably for them as it automates a whole mundane procedure. Therefore, it leaves them enough time to focus on other relevant topics.

Lifestyle Fashion

Bad body odor and how to avoid it

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Not many men will admit it, but we sweat a lot. The average human being has 2.6 million beads of sweat on their skin, with men having considerably more than women. This isn’t a problem in and of itself, but for guys like me, the sweat and body odors it can cause is an embarrassing topic to discuss.

We may not talk about it, but when we smell it, it’s not really a secret from others. While my girlfriend loves my soft, sensitive skin, I’ve always felt a little self-conscious around her whenever I thought she might smell my body odor. Maybe that’s why men have a reputation for being down and dirty.

The reason why sweating makes you smell bad is simple: bacteria eat the fluids in our sweat and create odor as a byproduct. Naturally, our bodies need to sweat a little to stay healthy and fresh, which is why men need to cleanse themselves even more.

The first and most obvious step is to use a skin cleansing body wash when you shower. Many men already have a favorite soap, but in case you don’t: look for a body cleansing gel made specifically for men’s skin care, since we have more pores to clean. Try using a body scrub to remove dead skin and bacteria that cause body odor after a good sweat. This will leave your skin clean and smooth.

Next, you’ll want to choose the right deodorant for underarm sweat, which is often the main culprit in body odor. As with soap, many men already have a favorite scent, although for men with sensitive skin it can be difficult to choose one. In my experience, the only smell worse than body odor itself is when added to a fragrance-filled deodorant, which can sting sensitive underarm skin.

Until recently I always thought antiperspirant sticks were the best option, since they use aluminum to lock underarm sweat. But these affect the body’s natural processes, blocking sweat without actually killing the bacteria that cause body odor. Instead, look for a deodorant that uses natural extracts as antiseptics for bacteria; the best solution is to look for an aluminum-free and fragrance-free deodorant that cleanses and protects the skin.

Finally, be sure to keep your skin properly hydrated. Retaining moisture in the skin is especially difficult when you sweat more, so always drink plenty of water. And of course, don’t forget to tell your friends what they can do to keep their skin clean and healthy too.

Pets

Hemorrhoids: a lighter side

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If you currently suffer from hemorrhoids, you probably can’t believe that someone can see a lighter side!

At this time, these embarrassing, rather unpleasant, very uncomfortable and often painful swollen veins can only be very bad! Right now, being the butt of a hemorrhoids joke only adds insult to injury.

It is said that you know you are in “middle age” when jokes about hemorrhoids stop being funny.

However, the following are just a few lighter side stories that might help you feel better. Or at least make you understand that your affliction is of wide interest and that you are in the company of many illustrious persons.

hemorrhoids they are a rock band. Imagine the introduction “ladies and gentlemen put your hands – er, cheeks – er, no, hands together for the pride of Lawrence, Kansas, The Hemorrhoids!” Although their mothers must be very proud of them, I’m sure depending on their age and “musical” appreciation, when you hear them on YouTube, you’ll be close to whether the band or condition is more painful.

The hemorrhoids are part of the lyrics of a song written by frank zappaabout, among other things, a groupie’s hemorrhoids.

But at least it’s not the only theme of the song. A popular musician by the name of Peter Cross actually wrote a full song about hemorrhoids. Her fans, who probably don’t suffer from hemorrhoids, regularly request the song. If you’re interested, you can find the lyrics on their website… and you can sing along!

Bleeding hemorrhoids made at least two classical composers miserable. Consider this journal entry from the great Giacomo Meyerbeer of 1851: “Friday, May 23. I suffered all day from a diarrheal condition and cramps which affected me greatly, as well as pains in the back and sides. I suspect that these symptoms, recurring so frequently, are a sign of hemorrhoids “.

Not much progress has been made in the treatment of hemorrhoids since, approximately half a century later, Gustav Mahler I had them too. “(1900) also brought Mahler’s resignation from the Vienna Philharmonic and a terrifying incident involving haemorrhoids in which he lost a great deal of blood.”

According to a review, hemorrhoids are also a real problem. problem for drummers. Hours and hours of sitting on a little stool and banging on the drums. Plus, all that constipating bar food is not a good combination for hemorrhoids!

Beyonce’s little sister, Solange, tweeted that she doesn’t know how to spell “hemorrhoids.” She probably wouldn’t make it to the second round of the spelling bee, and if she needed hemorrhoid treatment, she probably wouldn’t want to sit out when she lost!

Hemorrhoid ointment comes in a jimmy buffett novel, “Where’s Joe Merchant?” A rock star goes missing and his “heiress to hemorrhoid ointment” sister wants to know for sure if he’s dead. I didn’t really make this weird stuff up, Jimmy Buffett did!

If you have hemorrhoids, you have something in common with some very famous people. Napoleon Bonaparte, the French emperor, had hemorrhoids so severe that he could not sit on his horse and lead his army at the Battle of Waterloo. Historians may debate that weather, overconfidence, and miscommunication with field generals caused Napoleon’s defeat, but hemorrhoid sufferers know better. Who knows how history might have changed if Napoleon didn’t have batteries?

George Brett, the star player for the Kansas City Royals, unfortunately had a severe bout of hemorrhoids that caused him to miss parts of the 1980 World Series with the Phillies. Fans were shocked because George was only 27 years old at the time. Some even offered home remedies ranging from eating orange peel and whole wheat to applying Listerine to hemorrhoids! Needless to say, George opted for surgery.

Even American presidents have not been immune to this condition and in 1992, President Jimmy Carter he underwent surgery to get rid of his hemorrhoids.

And finally, in addition to an anthrax infection, a severed eyeball, kidney problems, a torn groin muscle, and a broken arm from a car accident, Ernest Hemingwaythe famous writer also suffered from hemorrhoids!

But

Real Estate

A Tenant’s Credit Lease (CTL) or a Conventional (Bank) Loan: Which is Better for My NNN Deal?

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Many good-quality, single-tenant, net-leasing properties qualify for both CTL (Tenant Credit Lease) financing and conventional commercial mortgage loans. Net lease property investors should consider the pros and cons of each before deciding which type of loan to commit to.

CTL loans are generally best for the long-term income investor who wants permanent, high leverage, fixed rate, fully amortizing financing, and desires speed and certainty of execution. Bank loans have a lower initial (but not overall) cost and may offer a greater variety of terms and conditions. Banks are better for investors who need options, don’t need maximum leverage (they have a large down payment available), and who aren’t sure if they’ll hold a property long-term.

The difference

CTL loans combine aspects of commercial mortgage lending with specialized investment banking to close deals. A CTL banker issues and sells private placement corporate bonds that are secured by the lease of real estate. Proceeds from the bond sales are used to finance a commercial mortgage loan for the borrower. The loan is administered by a third-party Trustee during the term of the agreement.

Traditional commercial mortgages are standard loans secured by mortgage liens on the real estate, the income from the property, and the credit of the borrower. Banking institutions originate a loan and finance the deal either by selling the loan to an investor (private or government) or by lending their own funds and keeping the loan in their portfolio.

take advantage of

The current credit crisis has forced banks to toughen their lending criteria. It is highly unlikely that a commercial bank will offer more than 75% loan-to-value (LTV) on any deal today. Banks have no incentive to take unnecessary risks; they can borrow money from the Fed (Federal Reserve Bank) at 0% percent and buy 10-year Treasuries at 2% earning 2 points without risk. They will pass on high leverage loans and will only lend when they have large amounts of backing capital.

CTL lenders will lend up to 100% LTV (Lease Rate Valuation) without recourse. They are in the business of lending the full current cash value of a lease (against guaranteed future income). CTL Bankers undoubtedly make the highest loan offers in the commercial real estate finance industry.

Speed ​​and Certainty of Execution

CTL loans can close in about 1/3 the time it takes to close on a conventional commercial mortgage. CTL transactions are known to complete, end-to-end, in as little as 45 days (unheard of in the commercial banking world), but typically take 60.

Bank loans take at least 60 days, sometimes 180 or more. Also, because CTL offers qualify or not, a banker can give a borrower a solid yes or no very quickly. There are thousands of ways a bank loan can fail, but once a CTL banker commits to a deal and the borrower signs it, there is close to 100% certainty of execution.

Appeal

CTL loans are all non-recourse loans secured by the proceeds of the lease.

Bank loans are usually, but not always, standard, credit-driven, full recourse loans, with liens against the borrower and real estate.

cost

A CTL loan will have higher upfront costs due to the investment banking aspect of the deal and the fact that a third party trustee must be involved. However, over the life of a property, CTL tends to be less expensive because you never have to refinance. At the end of a CTL loan, the borrower owns the property free and clear.

Bank loans must be recapitalized or paid off at the end of each term, generally 3, 5, 7, or 10 years. Having to refinance so often results in a higher total cost of capital.

flexibility

CTL loans are somewhat less flexible than standard bank loans. The bonds sold by CTL bankers are regulated by the securities industries and the insurance industries. CTL lenders must meet very strict criteria and are not allowed to deviate from the standards. A deal qualifies for CTL or it doesn’t; there is no leeway.

Banks generally have many lending platforms available to them; They can tailor a loan to a particular situation or a particular property.

Terms

Banks can offer self-paying loans, but they generally issue mortgages with maturities of 3, 5, 7, or 10 years, amortized in 10 to 25 years with balloon payments at the end of each term. Banks may also offer fixed or adjustable rates.

CTL Loans are fully amortized, fixed-rate, long-term loans with terms coinciding with the lease.

In summary

Banks offer a greater variety of loan products and can lend against more types of properties and tenants. Bank loans also tend to be less expensive in the short term.

On the downside, banks are not inclined to offer high LTV loans and will generally require the borrower to guarantee a loan. Also, bank loans are notorious for failing and not closing for any number of reasons (or no reason at all).

CTL loans are rigid in their qualification standards, but close with close to 100% certainty. They close faster and are less expensive over the life of a deal. CTL Bankers place no restrictions on LTV or LTC (loan at cost) and are non-recourse loans. Also, it should be noted that CTL loans are managed by a third-party trustee for the life of a loan. The trustee will collect the rent, pay the mortgage, and distribute the proceeds to the borrower each month.

CTL loans are best for buy and hold investors who want to lock in the current low rate for the long term. They are also appropriate for investors who need high-leverage financing or who are looking to close as soon as possible.

Bank loans are best for investors with deals that need some flexibility in the underwriting process. Bank loans will cost less up front and more businesses will qualify. Banks offer more loan options to qualified borrowers.

Single tenant net lease real estate investors who understand their options will be well equipped to make the best financial decisions for themselves and their businesses.

Shopping Product Reviews

Easy Techniques to Find Internal Zip Files

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Searching for files within folders is easy, especially for those who use Windows as their operating system. This is because Windows has its own search tool that works just like online search engines. All you have to do is use the built-in Windows search tool by clicking the Start button and then selecting “Search”. After that you can continue to enter the name of the file and where you think it is located. Besides this, it doesn’t matter if you don’t know the exact location because the tool can search your entire computer for the file. On the other hand, if you want to search for texts within a given file, this is also an easy task. You can even do a replacement on strings if you want. However, many people wonder how they can find inside zip files. If you are one of them, keep reading.

For those unfamiliar with what zip files are, these are files that have been compressed because most of the time they are large. They can help you save space on your drive, which is why some people choose to zip their files and compress them. Because zip files are large, they can contain numerous files inside. This means that if you need to search inside zip, it will be a very difficult process to go through and not to mention tedious. This can be quite frustrating specifically for those who don’t have enough time to search for one or more files in that zip folder. So what do they have to do?

The easiest solution to this problem is to extract the zip file. This is pretty simple. You will only have to right click on it and then choose extract files. You can check where you want to extract the folder contents, either on your desktop or any other location on your hard drive. Once you’ve extracted the folder, you can click “Browse” and in the left pane of the window, you can enter details about the file or document you’re looking for. You can use wildcards if you don’t know the exact filename and only the extension. For example, if you are looking for an executable file, you can enter “*.exe” in the search box.

On the other hand, you can always make use of the tools that are available today. These tools are downloadable and can give you the results you need in seconds. You also don’t have to extract the files just to be able to find them inside the zip files. The program you have in hand will do the rest of the work for you. The software that you can buy can help you find texts, files of any type and even photos inside the zip folder. Now you can choose which of the methods will make it easier for you to find inside the zip file.