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You’ve probably heard about the commercial real estate bubble, here’s the ugly truth that lenders and other insiders don’t want you to know. Despite all the hype, not every commercial property is in trouble. The key for you as an investor is to avoid certain pitfalls and learn from other investor’s mistakes.Before the economic and credit boom that has led into the recent downturn, conventional lenders capped loan amounts at 65 percent of the value of the property. This means that your $10 million commercial property would qualify for a maximum loan of $6.5 million. The current problems with commercial property investments started when hedge funds and private equity lenders began offering much higher loan to value ratios, meaning they would lend against your investment property with as much as 80 percent of the value of the real estate.Mistakes Made by Commercial InvestorsSome investors decided to refinance their $10 million commercial property for $8 million and get $1.5 million out tax-free! What seemed like a great deal at the time has come back to ruin the typical commercial property investment. The problem was that these loans needed to be refinanced after five years. Owners who pulled money out of their investments like this began down a path that has led to the troubles we are seeing now.Fast forward from then to now and you’ll see that the entire economic climate has changed. Most sources of financing for commercial real estate have dried up. Owners with a property that needs to be refinanced are finding that unless the LTV ratio is 65% or less and the property is performing perfectly, it’s almost impossible to get refinancing for their commercial property investment.You can’t tap into those hedge funds and private equity firms because many of them have gone out of business. So you are left with two options:1) Create a workout with the existing lender where they refrain from foreclosing against your property in exchange for a slight increase in the interest rate, or other benefit that you can give the lender. In some cases the benefit to the lender is that they don’t need to take your property back. The truth is that the lender really doesn’t want to take back your property if they can avoid it.2) Bring other investors into your deal by offering them a decent rate of return on their investment along with giving them a chunk of your equity. Make sure to contact a commercial property investment attorney who can help make sure that you meet all of the SEC guidelines if this is the path that you choose to go down.What Makes a Safe Commercial Property InvestmentThe problem with many owners of commercial properties today is that they got into a deal with a bigger loan than they should have. Now, these commercial property owners can’t ride out the recession because the loans are coming due and they’re short, or worse, upside-down.Investment rule #1-Leave the equity in your property.· Successful property owners don’t pull out their equity at the top of an up cycle; they leave the equity in their commercial property investment so they can ride out the downturns. The “commercial meltdown” doesn’t apply to property owners who left their equity untouched. While it’s true that the commercial property values have come down from a high peak. The typical commercial real estate investment is far more valuable today than it was 10 or 15 years ago.Investment rule #2-Stick with conventional lenders.· By taking a short term hard money loan commercial owners placed themselves at the mercy of the fickle market. A conventional lender would not have financed more than 65 percent of the property value, allowing the owner with a cushion against fluctuating property values.When structured correctly, your real estate investment may not provide you with an overabundance of excitement, but during times like these, a stable, performing real estate investment is just fine.

Be it investors, potential investors or general public who is looking to start investing, everyone gets excited the minute they have extra cash on their hands and one of the usual plans is to invest it for quick profits. People want to start making their money work for them and that’s a very understandable and rational thought but sure enough one needs to be practical about their finances as well. There is a lot of due diligence and groundwork that goes into understanding the financial markets before one must start investing and it’s for their best as well!An investment making company will generally help you get started with your investment and offer you end-to-end insights into how to make more money and how to invest money to achieve your financial goals. However, there are a few things you as an investor must consider before approaching any Asset Management Company or getting started on your investment journey.Here are the top 7 things one should consider before they start investing to make more money:1. Pay Off Prior DuesNo investment can start without you actually being done paying off your dues and clearing your credit. A clean slate for all your debts is very essential to begin investing stress free and focusing on returns.2. Create Cash Emergency FundBefore you start investing it is very important for you to have a separate cash fund prepared just in case of emergencies. There is no questioning the volatility of the market and you can’t really depend on redeeming from market when in dire need. Having an emergency fund lets you start your investment journey with a bit more ease.
3. Create Financial GoalsOne of the most important questions often asked is how to invest money and earn quick profits! However, there is much more to investing than just expecting returns. It is equally important to have your financial goals set it place and invest accordingly. Be it buying a dream home, car or saving for retirement, an investment making company will know exactly how to help you get started.4. Understand Financial InstrumentsThere are tons of financial instruments in the market which offer numerous benefits. The bigger question often is what you as an investor wish to achieve, quick profit, long term stability, lesser risk or just saving for the future? It’s not tough to make more money with your investments as long as your priorities are already quite clear.5. Due Diligence on Investment OptionsAsset Management Companies have a variety of financial instruments that an investor can pick from and ensure that they make more money. If you want to know how to invest money wisely on the other hand then it is best if you do your due diligence on all the financial products in the market and then make an informed decision to earn quick profits.6. Research on market trendsHow to invest money wisely is indeed a question every investor should be asking themselves or the investment making company who is helping them build a portfolio. Keeping updated about the market, staying on top of news in the world markets and knowing the current business trends makes it easier for the investors to pick their financial instruments for investment.7. Evaluate your risk bearing capacityEvery individual has their own risk bearing capacities. An investment making company will often ask you the risk level your profile fits in as an investor as it helps them decide where and how to invest money and earn quick profits. How to invest money is often a question answered at the expense of how much risk are you willing to take for the same,As simple and lucrative investing and making quick profit sounds, the truth is that unless you have a foundation in place and thorough research to build up, your investment portfolio won’t be solid.Asset Management Companies are there to help investors with their portfolio, right from researching and investing to managing and reinvesting investors’ wealth. If you are new to the world of investing then these pointers will make sure that it doesn’t seem intimidating anymore!

The largest group of health care professionals…and growingRN Nurses belong to the largest group of health care professionals in the US today. In 2008 there existed 2.6 million nursing jobs in the US. 60 % of this number was employed in hospitals while various smaller health care and health education facilities accounted for the rest. The nursing profession is divided into many specializations, each classified according to the branch of medicine to which they belong and the type of service that is required of the nurse.Types of Nursing CareYou may for instance have RN nurses trained especially to care for the elderly. Within this capacity, a nurse may give primary health care, nursing care, drug administration care and specialty care.Primary health care refers to the advice and services given for initial check-ups and health problems. While this form of health care is usually associated with doctors, RN nurses may also dispose of these functions within their scope of competence.Nursing care refers to overseeing the implementation of the physician’s directives. In this capacity, RN nurses may provide psychiatric care for mentally disturbed people. This category also includes caring for women in their pre-natal stage and after they give birth.RN nurses may also take care of administering drugs to patients in accordance with the prescription of the attending physician.Specialty care denotes the services rendered by nurses within their field of specialization. As such we have nurses who provide geriatric care for old people, cardiac care for people affected with heart ailments, and so on.What are the prospects for RN nurses?Because of the many areas of medical concern that nurses serve and the above-mentioned types of nursing services, the number of possible jobs for a nurse will be the number of fields of Medical Science multiplied by the number of service types. Obviously, the opportunities are ideally inexhaustible, considering that world population is growing in numbers, if not in terms of birth rate.Facts about US populationToday, the batch of people in the US between age of 46 to 65 belong to that special group called “boom babies” who were born between 1947 and 1964, immediately after World War II. This period is characterized by a high birth rate percentage, peaking at 2 % in 1950 and fluctuating down to 1.4 in 1964. Since then the birth rate has dropped to below 1 %.The “boom babies” represent a dramatic rise in the population. It is anticipated that as the people belonging to this batch age, the need for geriatric nursing care will constantly rise. If we were to consider the youngest individuals in the group (aged 45), we would expect the need for geriatric nursing care to up for the next 35 or 40 years. And considering that elderly patients may have other problems besides their old age to contend with, we should anticipate the over-all need for nurses to rise within that period.What about the Recession?The nursing profession has not remained unaffected by the economic crisis in the sense that a great number of lay-offs have been witnessed since 2007. But as a result, the number of RN nurses who are employed in hospitals is far below the population of patients that have to be attended to. Because of this current shortage, hospitals are hiring once more.Besides openings in health care institutions, RN nurses should not have difficulty finding jobs with the private sector. There are millions of people needing health care of one kind or another who would prefer to stay at home. An RN with initiative should never find himself/herself without practice.