Real Estate

Commercial Real Estate Loan Trends in 2015 Compared to California

In March 2015, the National Association of Realtors (NAR) invited a random sample of 49,485 real estate agents working in commercial real estate to complete an online survey. A total of 791 responses were received for an overall response rate of 1.6 percent. The survey asked real estate agents’ views on how they found their credit environment to be over the past year. Living and working in California, I find it interesting and informative to compare the overall results with the opinion of the surveys in our state. I think you will find it informative too. Without further ado, here are the opinions of private brokers and lenders as mentioned state by state:

States that provided difficult credit situations

The National Association of Realtors (NAR) found that 58% of investors preferred to approach banks, but not all banks were willing to lend. Of those that did, these traditional lenders compounded the situation with clumsy procedures, cumbersome timelines and deadlines, and lengthy processes. Few banks also made an effort to please their customers or to make their situation more comfortable.

Said a private lender in New York

Banks have been very aggressive in getting deals financed.

You can expect such a situation in a city like New York, where banks have to stand up to delays and have had to cut due to bad loans. In addition, New York is known for its aggressive and abrasive environment. The lack of empathy towards clients is one of his sore points.

More unexpected has been the fact that posh places like Louisiana are reporting the same difficulties.

Said a local agent:

Banks are doing well, but it is difficult for them to do business and it is difficult to move forward in an environment like this. – Louisiana

And in North Carolina:

Money is cheap, but it is still very hard to come by. – North Carolina

Apparently, the banks place the monopoly on investors and act like vile disgusting. Other investors said the following:

The rules established for large banks are handcuffing regional and community banks. – North Carolina

Just refinanced 3 properties from $ 150,000 to $ 1,000,000. Low loan for value offerings. – Colorado

Secondary market trade financing terms are so burdensome that it is not worth the process, or terms so strict that buyers do not see the value of the financing and only pay cash for smaller trade deals. – New Mexico

States that considered the credit environment good

If you want to invest, you can consider moving to one of these areas. There are fewer opportunities than in California. There may be a flatter market with distressed and possibly less promising inventory, but banks are more willing to help investors.

There is a lot of money available to qualified buyers of commercial properties. – Texas

Financing has not been a problem with reasonable transactions. Massachusetts

States that provide a positive environment for commercial private lenders work in

Bank credit conditions in most states in 2015 have been frustrating for consumers, making it an ideal situation for private lenders, such as hard money lenders who thrive on disappointed investors. Hard money lenders step in where banks fail with promises of convenience, solid support, customer convenience, fast turnarounds (think about getting a loan in the same week vs. 60 more days from banks!) and a lot less paperwork. All you would have to do is sign your name on some forms and fill in the details about the value of your property and your work, experience and / or credit history. Nothing important and much smoother than banks. The subscription, in short, is beautiful. Even loan-to-value structures in some places (particularly California) have recovered and private commercial lenders now offer higher or full rates.

The downside is high interest rates and balloon payments (think payments that are double that of banks). On the other hand, those eager to be rejected investors may have no alternative.

Pennsylvania and Carolina agents praised the private loan market:

Entrepreneurs are generally visionary and well ahead of the cultural curve, while banks apparently operate in a closed cave and make up for their lack of skill with aggressive rates and terms, or an unrealistic customer process. – Pennsylvania

Carolina was more severe. One investor explained that he preferred the alternative sector because:

I think the banks have let the whole country down. They are mindless lemmings and have abandoned their role in the biggest economy. – North Carolina

These agents in Georgia, Carolina, and Illinois, for example, who were defrauded by their banks, may have no choice but to seek out private commercial lenders, especially if they want to invest.

Illinois: Business financing is a problem. I have a large property on the market for 1 year and there are no buyers.

Another commented that banks are

Slow in loan processing. Abnormal waiting time to be financed. – Illinois

North Carolina: Commercial land loans are almost non-existent.

And Georgia. (Sounds very caustic):

When lenders start lending again, buyer-backed demand is very high and the economy will keep going. No money, no recovery.

Agents in Wisconsin encountered a similar situation:

Banks have become much more aggressive for owner-occupied transactions.

It seems that some private investors would find a ready market in Kentucky:

Generally, only local banks make business loans. It takes twice as long to get a loan and the underwriting requirements are too restrictive. – Kentucky

Finally, it seems that in Ohio, small businesses have no choice but to reach out to hard money lenders:

Big banks no longer lend to small businesses … only to large businesses.

Switch to the private business loan environment in California …

The National Association of Realtors found that private lenders run a booming loan business in California. More runners have joined and more are investing in the field. Private lenders in California have benefited from a growing interest in investment that followed the crisis of the recession. 2015 was a good year in which private lenders primarily served entrepreneurs and small business owners. As mentioned, these were the ones that were rejected by the banks.

Over the past year, private lenders have also made their field more attractive by eliminating one of its problems: the low loan-to-value (LTV) rate. Originally, lenders only distributed LTV rates that ranged from 50-60%, which is hugely low for the value of private property. A growing number of agents felt comfortable enough to increase their LTV rates to 80%. Some meet full ownership percentages. This and the tightening of government regulations to protect borrowers (especially residential borrowers) have made investors more willing to view private commercial lenders as an attractive alternative.

On the other hand, rising prices and high interest rates from lenders led to a growing percentage of defaults. New and inexperienced agents had more of these collapsed rebates than others. Defaults are projected to rise next year in large part due to rising interest rates. Government regulations have also intruded on the situation with cumbersome and cumbersome rules that force lenders to lengthen the time to acquire loans, making the original private loan situation less attractive.

Nonetheless, these years seem like a good time to enter the California private business loan market, especially if you know how.

These are some of the reports published by NAR:

Most people say they will talk to their bank to obtain business loans. – California

True. But then most are rejected. This is particularly due to the fact that:

Excessive regulations and self-imposed banking bureaucracy have made business lending difficult for legitimate clients. – California

This causes many investors to turn to hard money lenders.

I think there is enough money available, the problem is not the banks; It is the inability of the borrower to qualify for financing. – California

And another private lender who lives in California said:

Many, many obstacles to obtaining a loan. Even seasoned loan brokers are unsure of their offers until the end of the process. – California

That’s why hard money loans in California are thriving …

Shopping Product Reviews

Android Vs IOS application development in Singapore

Not surprisingly, Singaporean companies are opting for a mobile-centric strategy, as APAC reported over 50% smartphone penetration in the country last year. It stated that the average smartphone user in Singapore had around 40 apps installed on their smartphone at a time. Most of these applications belong to the category of social networks, since 64% of the population is active on social networks according to We Are Social in 2016. The other great attraction is games, since the Annie application showed that the Top ranked in the Apple store is Minecraft, Clash Royale, Monopoly, Mobilestrike, and of course the latest sensation, Uber.

Since the dawn of the mobile app era, users have been dragged in two main directions: Android or iOS. Windows is still a popular operating system, but it’s obviously no longer in the running for the top spot. There are several other operating systems, which are employed by small segments of mobile application users. However, they do not occupy key positions in the mobile application market.

Apple’s position in Singapore

Apple has a lot of credibility both among its peers and among consumers. It has a very focused marketing strategy that is clearly displayed in the iOS apps. Apple is in a class of its own and the entire competition knows it. It has a strong presence throughout Asia, especially Singapore, as the city is a thriving tech hub. Many of them are based here and work as freelancers for companies in the West that they outsource. App users are used to the best and gravitate towards iOS devices for that reason. The Next Web revealed that the country had the highest number of iOS devices by population in recent years.

Google as seen in Singapore

Android is a completely different story. Google’s marketing strategy differs a lot from Apple’s. These tech giants appear to be moving their brands in completely opposite directions. They don’t have the same goals, and as I’ll explain, their target audience isn’t exactly the same. Most Asian economies are third world countries, which is why most smartphone users turn to Android.

There are a few key factors determining the current situation for Android and iOS apps in Singapore.

App monetization

Application development is a business like any other, it runs on money. If you visit an app store, you will notice that the main downloads are free. Everyone loves free stuff and Singapore users are no different. The age of the smartphone has greatly increased the expectations of users. With UX in the spotlight, app developers in Singapore have stepped up their game. Obviously, a lot goes into building an app, so companies are reluctant to release it as free. Some great monetization strategies have been introduced, like in-app marketing. Currently, many companies offer free apps with premium plans that have advanced paid features.

This tactic works for most Android apps on the Google Play Store, but iOS apps don’t follow the same path. Apple users tend to be loyal and don’t mind paying for high-quality apps. They are used to paid apps. Many iOS apps have various pricing packages depending on the level of features you want to use. The trend towards free apps with premium plans is on the rise, as App Annie shows that the paid ones are mostly games like Minecraft on iOS.

Economy and budget

When you have a brand like Apple, you know that you are getting your money’s worth. As iOS devices are very popular, application developers tend to prioritize this operating system. Of course, another factor comes into play here. The applications aim to provide an excellent user experience and usability, so the application developer will need to take into account the user’s preferences. If your target audience consists mostly of the top, you can blindly decide to go for a native iOS app. It’s no secret that Apple’s devices and software are quite expensive compared to Android. Those who can afford them invariably opt for iPhones, iPads, and other Apple devices.

Most of the Asian population cannot afford to buy and maintain iPhones, so Android is the best option for them. It is not a loss because Google has a lot of variety of devices and is constantly updating its operating systems. There is something for everyone as you can find affordable and luxury smartphones among Android devices. If a business is trying to reach a wider audience, Android apps can really boost its profits.

Application development plan

You will discover native, hybrid and cross-platform applications, but the native ones are the most preferred as they provide a flawless user experience. Native app developers are in high demand in Singapore and are also paid quite well. Android application development becomes relatively complex if you need to compile it for multiple versions. It also takes longer this way. Although iOS applications do not have the same problems, they are more expensive to develop.


Dogs and jealousy

In this article, you will find more information for each of these categories:

To understand jealousy, we need to understand emotions

When a dog is jealous

Signs that your dog is jealous

Do you think your dog has ever shown signs of jealousy?

What do we do wrong with jealous dogs?

Why reassuring human behavior doesn’t work for dogs

How to control jealousy in dogs

How to help your dog adapt to permanent change

Building a solid package

To understand jealousy, we need to understand emotions

Understand that jealousy is a secondary emotion because it is more complex than the primary emotions that are fear, anger, disgust, joy, and surprise. Primary emotions are universal and generally shared by all people. Secondary emotions are more complex because they need to develop on a more conscious level. They are subject to individual social and cultural norms and can express themselves in unique ways.

Stanley Coren, a canine psychologist at the University of British Columbia, wrote an article that appeared in the previous issue of Modern Dog Magazine titled “Jealousy: Dogs and the Green-Eyed Monster.”

In this article you mention a scientist named Friederike Range who did some experiments on dogs to assess their emotions regarding jealousy.

When a dog is jealous

Research has recently shown that dogs can be jealous of other dogs. Through experiments, the researchers studied two dogs in each sample that were next to each other and were asked to perform the same trick, with only one dog getting a reward.

The only dog ​​that receives the reward performs the trick consistently and until the task is finished. The second dog that did not receive the award stopped performing the trick after realizing that the dog next to him was receiving a reward for the same action.

True emotion versus behavioral conditioning

Many of the previous tests that were conducted included tests and rewards based on treats. It made me wonder: was it really a true test of emotion? Or is it really a training exercise in operant conditioning, a form of learning that uses rewards and consequences to elicit behavior?

Signs that your dog is jealous

Aggression: biting, pinching, growling at the animal or person or object by which the dog feels threatened

Urine or stool incontinence– Usually sudden and unexplained pee or poop accidents in the house or in areas where the dog has been previously trained not to go. The jealous dog may urinate or defecate on items associated with what or who is causing your dog to be jealous.

Aggressive behavior – Your dog may react clingy and want more attention from you. Your dog can interfere with your approach to who or what is causing the jealousy. Dogs have been known to hug or push another animal that is petted by the owner when they are feeling jealous. It’s common to feel like your dog is herding you when he’s feeling jealous.

Retired – This is a more tame expression of jealousy in some dogs. You may notice that your dog is acting nonchalantly or leaving the room when the object, person, or animal causing the jealousy is nearby. This type of maladaptive behavior can be passed on as your dog takes time to adjust to the new change. However, if it is not noticed and corrected gently and early, this could lead to your dog feeling depressed.

What do we do wrong with jealous dogs?

Let’s face it: the average person with a dog is not a professional dog handler. They have a companion dog. They have not studied the behavior of dogs for countless hours and they have not devoted their careers to correcting the manners and behavior of dogs. That’s totally fine, because many non-professionals still come looking for answers and wonder how to improve.

So when a typical person feels that their dog is showing possible signs of jealousy, it can indirectly reinforce negative behavior. Because when a dog becomes more aggressive to get attention, more clingy, more demanding, since humans tend to:

Hug the dog

Talk to the dog in a high-pitched, baby-like voice.

Give the dog more attention than usual.

Allow more leniency on rules or limits already set

It’s easy to see why we do one or all of these things. We find it comforting as people. So we assume our dog will find it comforting too. However, behaviorally, these things are not overly comforting to the dog when interpreted by the canine mind.

Why reassuring human behavior doesn’t work for dogs

All that caring and reassuring voice, though useful to humans because we can empathize with the social context of other humans and really understand their words.

A dog does not have that social complexity or the ability to decode our language.

How to control jealousy in dogs

Do you think your dog could be showing signs of jealousy? It’s time to really think about your treatment approach. If you are only trying to elevate your dogs to new jealous behaviors as they arise, you are not addressing the core issue and you are not helping you or your dog to adapt in the long run.

You want to try to analyze the situation to the best of your ability. Why do you think your dog is experiencing these feelings? New pet? New companion? New baby? Some situations are not permanent. For example, you are taking care of pets for a friend or neighbor. Your dog is jealous of the “new” and different pet that he is temporarily caring for. Your dog won’t understand that this is temporary, no matter how reassuring you are. They will only realize it in time.

For temporary situations, you want to keep the current schedule you already have as much as possible. Try not to give your dog too much affection or comfort. Instead of validating their feelings of jealousy for the change, you want them to realize that you are accepting the new responsibility. You’re saying body language to a dog: “I still love you, you matter, but I also have to fulfill these other responsibilities.”

How to help your dog adapt to permanent change

If you are facing a big permanent change, you will need to consider your dog’s schedule and how you want to maintain the routine. Try to groom your dog if you can. And offer him some extra treats for his good behavior, but don’t overindulge in the hugs.

If you can’t keep up with the new doses of attention and fuss, and you shut off with all the treats, hugs, and kisses in 3 days, you will sabotage your plan to make it easier for your dogs to cope with this life change.

Make your changes manageable and consistent and still provide affection.

Prepare your dog if possible – New family pet or baby? Bring home unwashed items that the pet or baby has used, and allow your dog to smell the clothing, fabric, or other items. Than to place the articles or clothes in the newcomer’s area with the “own”, the bed of the new pet or the crib of the new baby.

Feed your dog – both on time and before. This helps show consistency and alleviates your dog’s stress and anxiety, because your dog will know that his survival will be maintained.

Walk your dog – Both on time and before. Again, it helps with consistency so your dog can adapt to new changes.

Find time to pass the time– with your dog that is reasonable. Don’t overdo it. Don’t soften your dog. Make your new schedule realistic. Show your dog what your expectations are. Give your dog an additional 10 minutes a day to relax with you or play a low-key indoor game. Spending time alone with your dog shows him that you still love him and that you still want to take care of him.

take care of yourself – Regardless of what you decide on the schedule, take time for yourself, every day. Don’t run out. Taking care of a new pet or a new baby takes a long time. Leave a lot less time for you. So you need to take time to recharge. You can do your best to take care of others when you have also taken care of yourself!

Building a solid package

When you and your dog go through small and big changes together and adapt to the changes, it makes your pack that much stronger. Stay the course and let the challenges become a mere memory as you enjoy the present and others look forward to many better times ahead.

Tours Travel

What you can expect to pay a Playa del Carmen real estate agent

Paying someone else for a job, even if they have done a good job, is never something to hope for. The same goes for the Realtors of Playa del Carmen. Real estate agent fees are considered by some to be a necessary evil. Some simply cannot waste the time and resources to sell their home or buy it on their own. Most real estate agents work hard for their commission; even so, it is difficult to see thousands of dollars slip out of your hands and into the pockets of your Realtor.

Most real estate agents are paid through a commission plan that, in most cases, ends up being a percentage of the home’s sale / purchase price. Commission rate percentages will vary from one real estate agency to another, but most neighboring agents will have comparable rates. A common real estate agent fee is 5 to 7% of the sales price.

Once you do the math, you’ll find that 5-7% is a lot of money (in fact, enough for people to make their own purchases and sales despite the difficulty). However, it may be comforting to know that the real estate agent is not the recipient of the full commission amount. After paying your Playa del Carmen real estate agent the agreed-upon percentage, the real estate agent must split his earnings with the agency he works for. If there are other brokers involved in the purchase or sale, these brokers will also get a share of the sale. The agency the broker splits his commission with (usually paying 50%) receives compensation for the real estate agent’s work space, marketing, support, and other resources needed to assist in the sale.

While it is possible to find rates lower than 5% in Playa del Carmen, it can be difficult, especially in markets with a lot of real estate business and little competition between agencies (the absence of competition means little incentive to have a competitive price). Some agencies are open to negotiate prices. Here are two tips for lowering your real estate agent’s fees.

1. Agents who don’t have to give as much money to the agencies they work for have more flexibility in negotiating the price with you. When a real estate agent works for a company that requires 50% commission, it puts the real estate agent in a difficult position of having to compromise the small percentage that they will actually end up with. Some real estate agents are only required to pay 15% to their agencies. These are the types of real estate agents that are most likely to offer you some type of discounted price.

2. There are real estate agent services you can opt out of to save money. Marketing methods like newspaper ads are rarely the ones that end up selling a home. Telling your agent that you are not interested in such underperforming expenses saves the agency money that can then be passed on to you.

If you are still not satisfied with what you can expect to pay a real estate agent in Playa del Carmen, consider all the costs that you would incur if you had chosen not to hire a real estate agent. Remember that when you sell your house on your own you are responsible for paying for all forms of advertising, you pay for your house to appear on the list with a service, you pay for legal advice, you pay for copies, stationery and documentation. You sacrifice money and time that you could save if you hadn’t had to spend so much time selling your property or looking for a new property. Consider time lost from work and time lost with family and friends because you are responsible for being present at open houses, meeting potential buyers, reviewing inspectors, etc. If you don’t follow all the laws and present the proper documents, you could also have to pay a large amount of money in a lawsuit. All costs add up quickly.

Arts Entertainments

TV Critics Reviews "Heroes of Higglytown"

As the aunt of a preschooler and aspiring voice actress (I knew all those hours of watching Bugs Bunny would come in handy), I know every kid’s show, as well as every kid’s DVD out there.

In my opinion, there is no better way for celebrities to win back their outrageous salaries than to entertain and sometimes educate children. And They Might Be Giants gets a “cooler than Elvis” vote for singing the title track of one of Playhouse Disney’s newest hits, “Higglytown Heroes,” which is also on their children’s CD / DVD, “Here Come the A B C s”.

For those of you who are not familiar with all things Higgly (an adjective that is used both as “Smurf” but not, thanks to Higgles, as a verb), the series focuses on a small town and four children named Eubie, Kip and brothers Wayne and Twinkle. Think “South Park” with better art and no bad language. The loudest language is “Aw, pickles”, usually uttered by Twinkle (pinker than Trista Rehn Sutter!) After his fantastic ideas for solving children’s dilemmas are drilled gently by Fran, a friendly squirrel with the voice by Edie McClurg.

In each two half-hour episode show, the Higgly Kids experience common and innocent childhood events, such as finding a caterpillar, throwing a TV party for the Happy Hairy Higgly Monster Primetime Special, losing a tooth, Kip’s grandfather locked in the bathroom. or taking care of an unhappy bird. Children try to solve their problems, guided by Fran, who is the voice of reason, helped by their loving families and the ever-enthusiastic Bill and Ted-ish Pizza Guy … plus someone special. Then comes the inevitable song …

“Someone special, who could it be?

This job is too big for you and me.

We need help!

But never fear

Looks like a job for a … Hero of Higglytown!

A Hero of Higglytown! “

Some of the heroes are natural choices, especially after 9/11: policewoman, firefighter, etc. But how many of us think of sanitation workers, electricians, plumbers, gardeners, postmen (voiced by Kathie Lee Gifford), and farmers as heroes? Or a telephone operator (with the voice of Cyndi Lauper)? Although heroes have celebrity voices, the Higgly Kids discover that the real stars around them are the people who solve problems every day.

Some of the dilemmas get a bit ridiculous from an adult perspective. For example, when Kip climbs a tree to save a beloved neighborhood cat and her kittens, his friends help him. Why, when you get stuck, can’t they help you back up? Ahem … when was the last time you tripped and panicked? You need help in your own life every day without thinking about it.

The beauty of “Higglytown Heroes” is that it celebrates working together, “having fun together,” and the Higgly Kids, as well as their families, never take the Heroes in their lives for granted. The electrician (Lance Bass) is invited to participate in the “Higgly Monsters” TV party after repairing the circuits at Kip’s house. The firefighter (Donald Faison) who pulls Kip out of the tree shares a birthday party for the neighborhood cat. How many of us make an effort to thank the people who make our lives easier? Sometimes we forget to see them as people with needs and feelings.

We even forget to see our own families as heroes. Kip’s grandmother (voiced by “Golden Girl” Betty White, with Rose Nylund hairdo) knits the boys’ sweaters. Kip’s real estate agent Mom Bitty acts like the lifeblood of 1950s domestic life, but is rewarded when Kip and his friends gift her a card to get her back on track. Wayne’s mom Plunkie shows the kids a caterpillar and takes them to the beach, while Wayne and Twinkle’s Uncle Lemmo cook breakfast for them in their restaurant and, in the Christmas special, she takes Wayne and Twinkle. on his sleigh.

Interestingly, Higgly’s families aren’t always nuclear families, something Disney portrays as normal without drawing attention to it. Kip’s family is the proverbial nuclear family, with twin sisters, a little sister, a mom and dad, Fripp (who operates a hot dog cart), and two grandparents who live in or constantly visit Kip’s big house. Twinkle and Wayne’s mother appears to be a single dad (although they are all African American, no one has yelled racism yet), and Eubie is apparently being raised by her Aunt Mellie and Uncle Zooter with a southern accent, with visits from her southern accent. Grandpop Crank (a farmer).

In many ways, Higglytown is idealized. Nobody seems to care about work, money, or status. People go to the library, and a librarian is a Higglytown hero! Kids “work really hard” and take responsibility (gasp) by thinking of ways to help themselves and their families, and in each episode there are little moral lessons and tips (take care of your pets, don’t use too much electricity, make them smile someone) to show children how they can become … Heroes of Higglytown!

Cynics and naysayers will scoff at this like a childish pablum. I call it a refreshing dose of reality and a tribute to the heroes around us. Disney animators are Higglytown Heroes for creating this show.

Author’s Note: After this review originally went online, actor Rory Thost, who voices “Kip,” was kind enough to be a “Higglytown hero” and brighten my day by telling me how much he and the cast I liked the review. For all those who think our children are real troublemakers, Young Master Rory Thost is thirteen years old: His career in show business is already longer than mine! More importantly, in a world where celebrity misbehavior is sadly the norm, this young man remains polite, mature, well-mannered, and well-grounded.

Author’s Note II: This series just keeps getting better. The continuity is on par with most primetime shows. Kip has adopted a dog named “Shadow” who makes guest appearances; we meet Fran’s parents after seeing them at the Christmas special; Eubie’s grandfather becomes a Higglytown hero; Flappy, Eubie’s bird, makes appearances from time to time. The fireman is back. The electrician proposes to the teacher, and Pizza Guy and Fran become Higglytown heroes!

Author’s Note III: Disney has created Higglytown Heroes Toys. This series has legs!


Facebook keeps crashing my PC! How to fix this problem forever

Facebook may keep crashing your system for all kinds of reasons, including the likes of your PC’s web browser not working properly, your system has some kind of error with its settings, and Windows is out of date. If you are experiencing errors with the Facebook website on your PC, you should be able to repair any of the potential problems that may have caused the crashes to occur, which can be done by following the steps outlined on this page.

Why will Facebook crash your PC?

The reason why Facebook will block your system is basically because of the way this site works. It uses a technology called “JavaScript” and “Ajax”; Both are described as client-side programs that work by installing themselves on your computer and then linking to the Facebook server to continually update various data on the page. This is why your Facebook page can update so quickly, because it uses these Javascript and Ajax technologies … but the downside to this is that your PC’s memory and settings take a huge hit with the amount of processing power required. so that the Facebook page updates itself every few seconds.

The bottom line is that for many computers, Facebook’s technology is consuming too many resources and consequently will make your system run much slower and often crash. To get around this problem, luckily there are a few things you can do to make it run much more smoothly.

How to fix Facebook crashes

The first thing to do to fix Facebook crashes is to first make sure that you can fix any potential problems that the web browser you are trying to use may have. To do this, you must reinstall the web browser, which can be done by clicking “Start” and then selecting “Control Panel”, before selecting “Uninstall a program.” This will allow you to uninstall the web browser you are using, after which you can download and install the browser again. This will not only allow your computer to read the web browser correctly again, but it will also ensure the smooth running of your computer.

The second thing to do is use a “Registry Cleaner” program to scan your computer and fix any potential problems that Windows may have inside. A registry cleaning tool is a program that has been specifically designed to fix errors and problems within the Windows system, and it is a tool that can be used to fix Facebook crashes. One of the main causes of crashes will be the way that many of your computer’s “registry settings” will not be able to be read by your system, leading to the formation of a large number of errors. This will often cause registry errors to appear, so it is vital that you can use a registry cleaner to fix any potential problems the database may have, increasing the speed and reliability of Windows as a result.

Home Kitchen

Combining vintage style with urban chic creates a modern retro look

Mixing vintage styles with newer styles is very “cool” and a popular decorating style today. In some circles phrases like “Urban Chic” or “Fresh Vintage” are used instead of “retro”. It’s still “retro,” but a different take on the past when shoppers combine “edgy” vintage collectibles with contemporary-style furnishings and decor. Others understand “Urban Chic” a little differently and refer to the rise in popularity of collectors looking for metal furniture and industrial styles compatible with city life. Of course, this is also a throwback to earlier times. Metal fixtures and furniture dominated mid-century homes and were used for magazine racks, phone stands, ashtrays, seating, serving pieces, etc.

Today urbanites like to buy antique steel industrial shelving, antique metal desks and chairs, antique commercial desk accessories, and lots of factory finds to decorate lofts, apartments, and houses. This opens up a whole new market for sellers who are starting to look for items in unusual places. Suburban homes feature high-tech kitchen surfaces and lots of stainless steel. Buyers now love vintage metal canisters from the 1950s that seem to fit perfectly in today’s stylish kitchens. The “metro-retro” style is often combined with collectibles from the 50s, 60s and 70s to create eclectic interiors that are unusual, quirky and affordable.

If the industrial look isn’t your thing, there are other directions to consider. I have put in many younger collectors who gravitate towards the “bohemian style”. “Bohemian style” is what happens when your flea market pickup is out of control but in a good way. Somehow, collectors get the look together with unifying color schemes, themes, patterns, or rhythms that organize collections. Once again, collectors mix and match different eras, styles, textures, wall coverings, etc. And as seasoned decorators, bohemian collectors tell us “it works.” This style is difficult to explain, so I might suggest reading Elizabeth Wilhide’s Bohemian Style, a post by Watson Guptill. While collectibles from the ’60s and’ 70s have moved more slowly in physical stores than those of earlier periods, “fashion collectibles” are gaining momentum as department stores are emphasizing these styles. Designers are taking greater risks than in the past and it seems that buyers are once again being encouraged to experiment with home interiors, products and materials.

Let me remind you of what they said years ago “let it hang out.” In fact, both manufacturers of new products and collectors of old products are “doing their thing.” Numerous online businesses are growing with “hairy sixties” websites catering to shoppers who love pink, brown, and lime green palettes, as well as cheesy stripes, polka dots, and swirl patterns. In fact, there are web designers who specialize only in this style.

While shoppers in their “twenties and thirties” enjoy ordering new home and apparel items inspired by “psychedelic” colors and designs, mature collectors

They want the originals and are active buyers at flea markets, stores, and shows. Once a thrift store staple, colorful toasters and fondue sets are now “cool” finds for serious collectors and casual shoppers jumping on the “retro” bandwagon alike. The next time you lift your nose at a set of mushroom-patterned kitchen canisters, think again, you may be overlooking a true “retro” gem that even the Pottery Barn is keeping an eye on.


“Give me freedom or give me death”, but in current textbooks the context of these words is removed

Did you know that 52 of the 55 signers of the Declaration of Independence were Orthodox and deeply committed Christians? The other three believed in the Bible as divine truth, the God of Scripture and His personal intervention.

It is the same congress that formed the American Bible Society. Immediately after creating the Declaration of Independence, the Continental Congress voted to purchase and import 20,000 copies of deeds for the people of this nation.

Patrick Henry, who is called the puppet of the American Revolution, is still remembered for his words, “Give me freedom or give me death.” But in current textbooks the context of these words is removed.

This is what he said: “A call to arms and to the God of armies is all that remains for us. But we will not fight our battle alone. There is a just God who presides over the destinies of the nations. The battle, sir, is not only of the strong. Is life so expensive or peace so sweet as to be bought at the price of chains and slavery? Forbid it Almighty God. I don’t know which way the others will take, but as far as I’m concerned, give me freedom, or give me death. ”
These phrases have been deleted from our textbooks.

Was Patrick Henry a Christian? The following year, 1776, he wrote the following: “It cannot be emphasized too much or too often that this great nation was founded not by religious, but by Christians; not on religion, but on the Gospel of Jesus Christ. For that reason alone. , here freedom of worship has been granted to people of other religions “.

Consider these words that Thomas Jefferson wrote on the cover of his worn Bible: “I am a Christian, that is, a disciple of the doctrines of Jesus. I have no doubt that our entire country will soon join the unity of our Creator and , I hope, also to the pure doctrine of Jesus “.

Consider these words from George Washington, the father of our nation, in his farewell address on September 19, 1796:
“It is impossible to rule the world without God and the Bible. Of all the dispositions and habits that lead to political prosperity, our religion and morality are the indispensable supporters. Let us cautiously allow the assumption that morality can be maintained without religion. Both the reason and experience prohibit us from expecting that our national morals can prevail excluding religious principles. “

Was George Washington a Christian? Consider these words from your personal prayer book: “O eternal and everlasting God, direct my thoughts, words and deeds. Wash my sins in the immaculate blood of the lamb and purify my heart by the Holy Spirit. Each day, inform me more and more in the likeness of your son, Jesus Christ, that living in your fear and dying in your favor, may in your appointed time obtain the resurrection of the justified to eternal life. Bless, O Lord, the entire human race and may the world be filled with the knowledge of your son Jesus Christ. “

Consider these words from John Adams, our second president, who also served as president of the American Bible Society.

In a speech to military leaders, he said: “We do not have a government armed with the power capable of fighting human passions, unbridled by morality and true religion. Our constitution was made only for a moral and religious people. It is totally inappropriate for the government of any other. ”
How about our first court judge, John Jay?

He said that when we select our national leaders, if we want to preserve our Nation, we must select Christians. “Providence has given our people the choice of their rulers and it is the duty, as well as the privilege and interest of our Christian nation, to select and prefer Christians for their rulers.”

John Quincy Adams, son of John Adams, was the sixth president of the United States.
He was also president of the American Bible Society, which he considered his highest and most important role. On July 4, 1821, President Adams said, “The greatest glory of the American Revolution was this: it connected in an indissoluble bond the principles of civil government with the principles of Christianity.”

Calvin Coolidge, our 30th President of the United States, reaffirmed this truth when he wrote: “The foundations of our society and our government rest so much on the teachings of the Bible that it would be difficult to support them if faith in these teachings ceased.” be practically universal in our country. “

In 1782, the United States Congress passed this resolution: “The United States Congress recommends and approves the Holy Bible for use in all schools.”

William Holmes McGuffey is the author of the McGuffey Reader, which was used for over 100 years in our public schools with over 125 million copies sold until it was stopped in 1963. President Lincoln called him the “nation’s school teacher. “.

Listen to these words of Mr. McGuffey: “The Christian religion is the religion of our country.> From it derive our notions about the character of God, about the great moral Governor of the universe. The peculiarities of our institutions are based on its doctrines From no source has the author drawn more conspicuously than from the Holy Scriptures. From all these extracts from the Bible I do not apologize. “

Of the first 108 universities founded in the United States, 106 were clearly Christian, including the first.

Harvard University, established in 1636. In rule number 1 of the original Harvard Student Manual, students seeking entry must know Latin and Greek in order to study the Scriptures:
“That every student be instructed with clarity and be seriously pressured to consider well, the main objective of their life and studies is to know God and Jesus Christ, who is eternal life, John 17: 3; and therefore, put to Jesus Christ as the only foundation of all healthy knowledge and scholarship. And seeing that the Lord only gives wisdom, that each one seriously intends, through secret prayer, to seek it in him (Proverbs 2: 3) “.

For more than 100 years, more than 50% of all Harvard graduates were pastors!
It is clear from history that the Bible and the Christian faith were central to our educational and judicial system. However, in 1947, there was a radical change of direction in the Supreme Court.

Here is the sentence that was banished:

“Almighty God, we acknowledge our dependence on You. We beg Your blessings upon us, our parents, our teachers, and our country.

In 1963, the Supreme Court ruled that reading the Bible was prohibited as unconstitutional in the public school system. The court offered this justification: “If parts of the New Testament were read without explanation, they could have been psychologically harmful to the children.”
Reading the Bible was now unconstitutional, although the Bible was cited 94 percent of the time by those who wrote our constitution and shaped our Nation and its system of education, justice, and government.

In 1965, the courts denied as unconstitutional the rights of a student in the public school cafeteria to bow his head and pray audibly for his food. In 1980, Stone vs. Graham banned the Ten Commandments from our public schools.

The Supreme Court said as follows: “If published copies of the Ten Commandments had any effect, it would be to induce schoolchildren to read them. And if they read them, meditate on them, and perhaps worship and observe them, this is not a allowable target “.
Isn’t it an allowable goal to allow our children to follow the moral principles of the Ten Commandments?

James Madison, the lead author of the United States Constitution, had this to say: “We have staked the entire future of our new nation, not on the power of government, far from it. We have staked the future of all our political constitutions on the ability of each of us to govern ourselves according to the moral principles of the Ten Commandments. ”
Today we ask God to bless America. But how can he bless a nation that has strayed so far from him?

Most of what you read in this article has been erased from our textbooks. The revisionists have rewritten history to eliminate the truth about our country’s Christian roots. I encourage everyone who reads and agrees with the words in this document to share them with others so that the truth of our nation’s history can be told.

Digital Marketing

Trademark protection in cyberspace

Facebook has more than 350 million users, Twitter has 32.1 million, and MySpace attracts more than 115 million to its site each month. The number of people using social media makes trademark infringement and brand confusion as easy as creating a username and password.

In Dallas alone, where we are located, more than 700,000 businesses in the area have a Facebook page, which are customizable mini-sites aimed at organizations, products or public figures. By reaching their target demographics, these companies allow users, or “fans” of the page, to post comments, view news and information, and basically have a voice about that company. With tools like these open to the public, how can companies protect their brands and trademarks in a world run by social media?

There are some proactive ways to beat counterfeiters and imposters. On the one hand, it can be beneficial for some third-party employees or contractors to regularly check social media sites for unauthorized use of your brand, bad press, trademark infringement, and the sale of counterfeit products. Of course, the best defense is a good offense, so join the online community and create your own positive buzz. It is a relatively inexpensive way to advertise and reach consumers, who are not always reached with traditional methods.

Also be sure to register your business or brand on key social media sites. This can be a simple process and probably the easiest way to ensure your company’s reputation on social media sites. When registering you name or brand, no one else can. The problem is when someone else has already secured your name. If that happens, there are several steps you can take to ensure that your social media presence is yours.

For one thing, be sure to take advantage of “terms of use policies” to protect your rights. Facebook, LinkedIn, and Twitter have procedures to help rights owners handle infringements. It’s important to take full advantage of these security measures to protect your brand. Many sites require an official company representative to control the page or username, but others, such as Twitter, do not. Typical guidelines include rules against spoofing others that mislead, mislead, or mislead the general public, or has the intention of doing so.

Other options may include calling your in-house or litigation attorney, but before taking any kind of action, first analyze the seriousness of the crime. Taking a tough stance against a fairly harmless offender can backfire and cause negative pressure (or, in some cases, benefit the offending party). Sometimes it is more effective to send a letter explaining the situation and asking the party at fault to fix the problem.

There are regulations and organizations to remedy the infringement when the lyrics and niceties don’t work. The Digital Millennium Copyright Act (DMCA) can be helpful in copyright infringement cases because many social media websites have guidelines that reflect the requirements of the DMCA. The Word of Mouth Marketing Association (WOMMA) is an official trade association representing the interests of the social media industry, with a code of ethics that requires members to adhere to certain guidelines, such as identity disclosure, genuine honesty in communication and media compliance. -specific rules.

Social media and social media law has not only opened up new avenues for brand marketing and communications, it has also added entirely new ways to violate those efforts. Making sure your brand and business are protected in cyberspace is not only important; it is an integral part of 21st century communications.


Marketing and Marketing Communications for Small and Medium Businesses: Important Forecasts for 2017

2016 ended with Americans exhausted by emotionally harrowing politics, stories of foreign entanglements and violence at home. Companies have also struggled with modest economic growth and a turbulent stock market. As we begin 2017, everyone – consumers and organizations alike – faces uncertainty in a variety of areas.

Against this backdrop, companies have yet to develop, plan and execute strategies for profitable growth. After speaking with various colleagues and clients, and reading feedback from various experts and forecasters, here is my take on what awaits small and medium-sized B2B and B2C businesses in the coming year:

one. A significant number of marketers, both large and small, will conduct agency reviews in 2017. The current Advertiser Insights report (based on 420 marketers representing about 90 percent of the top 100 US advertisers) reveals a staggering number of planned reviews:

· 66% Creative Agency Review Plan;

65% plan to check search agencies;

64% plan to review media agencies;

61% plan to review digital agencies.

Why? Beyond the lack of trust in the authorities of society as a whole, trust has also been lost, rightly or wrongly, between marketers and their agencies. So if you are feeling concerned about your agency relationship, acknowledge that you are not alone.

two. There will be significant increases in the number of companies hiring “temporary workers”, that is, freelance contract workers and freelance specialists. Faced with minimum wage increases, increases in health care costs, and rising payroll taxes, companies are obviously doing everything they can to reduce their fixed labor costs. But the ability to hire top-tier talent in the short or long term is also a practice that’s gaining a lot of momentum. In fact, a recent Deloitte University Press survey showed a “significant 7 percent increase” plus a “44 percent increase” in planning to hire casual workers in the next few years.

Keep in mind that these “outsiders” bring fresh energy and ideas to any type of organization and, at the same time, can provide some savings to your bottom line.

3. Media fraud and ad blocking will increase in 2017. Much was uncovered by the National Advertisers Association’s eight-month investigation into undisclosed refunds flowing from digital media companies to agencies. However, there is an incentive for scammers to keep doing what they are doing due to the ability to bypass fraud detection systems. This widespread practice can influence agencies’ media recommendations (and bottom line), although it obviously does not serve the best interests of clients.

Perhaps most importantly, the staggering growth of ad blocking in the markets poses a huge threat to digital media. At least 419 million people around the world are blocking ads on their smartphones, almost double the number blocked on desktop computers. That’s 22 percent of the world’s 1.9 billion smartphone users (PageFair – Ad Blocking Goes Mobile).

Digital and mobile media won’t go away, but using them effectively is challenging. Find professionals you trust to make sure you get what you expected.

Four. Since customers and followers are the lifeblood of any business or nonprofit organization, organizations will need to significantly increase their efforts to better understand their real-world wants and needs. A recent McKinsey & Co. study of about 700 top executives found that: 1) only 6 percent of companies felt they understood their customers’ needs very well; and 2) seventy-two percent considered the knowledge-of-the-client budgets inadequate.

There has been an explosion in the amount of customer data available, with new software programs mining all kinds of purchase and opinion information, including social media. To be competitive, organizations will need to continue expanding their knowledge using this new information. It just doesn’t seem smart to even consider developing a specific strategy or plan without knowing your customers, so make sure you have the skills to obtain and interpret the correct information.

5. Developing and maintaining a positive customer experience will become the new king of marketing. Distrust of institutions appears to be rampant: products are withdrawn from the market, passwords are stolen, online tweets have as much credibility as government agencies. Starting with employees, make sure they have the knowledge and tools to provide better customer service, create a positive experience, and promote repeat buying and customer referrals.

Confidence is the new black. All aspects of a brand’s life must convey reliability, delivered consistently and credibly, at every point of contact.

6. The acceptance and use of direct mail by millennials will continue to explode. Yes, millennials. And yes, traditional mail. This demographic is the one most likely to open and read direct mail. In fact, 63% reported that they made a purchase based on a direct mail article that they opened in the last 3 months (Direct Marketing Information Trends Study in the US).

Perhaps their flood of spam, disrupted advertising, and meaningless content will leave you tired of staring at screens and searching for a “new” medium. After all, it’s not about technology; it’s about efficiency.

7. While internet media spending will be tied to television for the biggest spending in 2017, more marketers will acknowledge that the majority of top media spending is still accounted for by traditional media (65%). Spending on television will increase by 1 percent, away from home by 4 percent, as radio will remain unchanged and only magazines and newspapers will show decreases (by 5 and 9 percent, respectively). Additionally, the Marketing Services category will increase by 2.8 percent to $ 237 billion, led by sales promotion, telemarketing, direct mail, and event sponsorships. (Age of advertising)

It goes without saying that determining where to spend your money on marketing communications is becoming increasingly complex. The key to doing this successfully is understanding the difference between selecting the newest “efficient” tactical tool and selecting the most “effective” one. This becomes increasingly important for small businesses, which cannot afford costly mistakes.

8. Much more time and smart thinking will be spent developing marketing strategy, positioning, and planning for marketing and marketing communications. A study of “Significant Brands” conducted by Havas in 2015 reported that most people wouldn’t mind if three-quarters of all brands disappeared forever. Also, most brands haven’t updated their strategies to satisfy today’s internet shoppers. These buyers have access to a wealth of information and have a wealth of purchasing options at their fingertips. It is more vital than ever that, to survive, you must continue to keep your brand meaningful to its constituents.

Both for-profit and non-profit brands must make absolutely clear how they differ from the competition and make their value proposition completely credible at every opportunity. Once your plan is implemented, you also need to know what is working and measure everything.

Marketing Communications and Value Marketing Consultants

2017 brings a considerable number of unknowns and concerns facing your customers, prospects, and even your employees. Clearly, they are more cautious about what to believe and who to trust for the next year. All organizations are faced with these problems and the dilemma of how to run a successful business in this climate.

Many small and medium-sized organizations are partnering with established and independent senior consultants to assist them with marketing communications and marketing plans and budgets, evaluating, developing, refining and, if applicable, implementing. If this is something you might consider, look for people with extensive experience in B2B, B2C, and nonprofits across all industries and brands. Look for consultants who are media neutral and don’t sell a particular discipline. And make sure they are passionate about analyzing the results and willing to “tell it like us” so that candor can flourish.

Improving the ROI of profitable sales and marketing communications is a daunting task. Finding the right consultant to partner with can take a bit of searching, but as Yogi Berra said, “When you come to a fork in the road, take it.”