Getting Real: The smarter, faster, easier way to build a successful web application

Posted in Web Apps by admin on June 5, 2010 2 Comments

Product Description
Getting Real details the business, design, programming, and marketing principles of 37signals. The book is packed with keep-it-simple insights, contrarian points of view, and unconventional approaches to software design. This is not a technical book or a design tutorial, it’s a book of ideas. Anyone working on a web app – including entrepreneurs, designers, programmers, executives, or marketers – will find value and inspiration in this book. 37signals used the Getting Real process to launch five successful web-based applications (Basecamp, Campfire, Backpack, Writeboard, Ta-da List), and Ruby on Rails, an open-source web application framework, in just two years with no outside funding, no debt, and only 7 people (distributed across 7 time zones). Over 500,000 people around the world use these applications to get things done. Now you can find out how they did it and how you can do it too. It’s not as hard as you think if you Get Real.

Getting Real: The smarter, faster, easier way to build a successful web application

Originally posted 2010-02-07 03:13:52.

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New Blog Launches First Online Search Tool To Help Small Businesses, Real Estate Investors Identify Alternative …

Posted in business by admin on June 2, 2010 No Comments yet

Entrepreneurs: Health Care Reform Will Hurt Small Businesses
President Obama says small businesses will be big winners under health care reform, but some entrepreneurs and the organizations that represent them say the only thing big about the new law will be the problems and taxes that come with it.

Read more on Fox News

New Blog Launches First Online Search Tool To Help Small Businesses, Real Estate Investors Identify Alternative …
New Equity Daily, a blog dedicated to small business financing, launches an exclusive online search tool whereby business owners and property investors can identify financing alternatives in the public and private sectors.

Read more on PR Newswire via Yahoo! Finance

Originally posted 2010-03-24 13:42:13.

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Small Business Real Estate Financing Opportunities

Posted in business by admin on May 25, 2010 No Comments yet

I had a lot of great questions come in over the past week that covered topics such as construction loan interest calculations, multifamily financing, hotel financing, and private money lenders. The one that was the most interesting concerned small business real estate financing.

Buying real estate for your small business offers you, as the business owner, several advantages over leasing. The first advantage is that financing the real estate purchase helps small businesses grow into larger businesses by preserving capital during expansion. Growing a business is a cash management balancing act and the less money buried in facilities means more money for other necessary functions.

The second advantage is tax related. Funds to support the business can be diverted to help your personal portfolio by building equity in the commercial real estate housing the business. The lease payment that benefited your former landlord is now helping you reduce current business income from a tax standpoint, yet keeping it in your pocket through your real estate. Many owners take the property in their personal names and have the business pay rent to them rent to cover the property’s operating expenses. Some even have additional tenants to supplement the cash flow.

The third advantage relates potentially to your estate. If the property is in personal name and the business is unwound, sold, or terminated for any reason, that asset is not part of the business transaction. This can simplify an otherwise complex situation.

There are two types of small business real estate loans. One is guaranteed by the Small Business Administration (SBA), the other we’ll call “conventional.” Both offer a business owner a loan amount up to 90% of the purchase price of the property used for the business. The government guaranteed financing tends to have a somewhat lower rate, but requires a great deal more paperwork. Conventional financing is the more flexible by offering different documentation requirements and potentially faster funding.

Conventional Small Business Real Estate Financing

In recent years, some lenders have created SBA “look-alike” or conventional programs that have fewer restrictions than SBA-guaranteed financing. For example, they allow the owner-user to occupy less space in the property than the 51% required by the SBA, allow for reduced or “E-Z” documentation (no tax returns), and don’t require additional collateral such as a primary residence. Depending upon the type property that is being financed, conventional small business real estate loans may allow as much as 90% loan-to-value (LTV) financing, although some special purpose property types, such as hotels, restaurants, and gas stations are limited to lower LTVs. Construction to permanent loans are also available on a conventional basis, allowing a business owner to custom design a property for the needs of the business.

The Small Business Administration

The Small Business Administration is a quasi-governmental agency established to assist small business owners obtain financing for their business operations. The primary form of collateral for SBA loan is owner-user business real estate. SBA funds can be used for a variety of purposes including the acquisition of business real estate, business property, operating capital and any other legitimate business purpose.

SBA loans are typically used for single-use or single-tenant properties where the owner of the property is the owner of the business using the property. The SBA’s rule of thumb is that 51% of the property must be used by the owner-operator to qualify for the agency’s guarantee. There are often other restrictions placed upon the owner to obtain this financing such as: Annual reporting and cross-collateralization with the owner’s primary residence. The SBA finances office buildings, retail centers, automotive centers, warehouses, light industrial (manufacturing) facilities and a host of other property types.

Most federally regulated financial institutions offer some form of SBA guaranteed financing. It’s too profitable for them to pass up. Unfortunately, not all of them are good at it.

Realistically, you should be in business at least two full profitable years and have another three to five years of history working in that business if you business if new. You’ll need to show a lender how the new property will benefit your business through projections and in particular, the SBA is always concerned with how many new employees you are likely to hire. In the final analysis, there is a wider range of financing options for the small business owner today than ever before. If the opportunity presents itself to you, small business real estate usually makes sense for both the business and to the owner as a personal wealth building tool.

Originally posted 2009-11-13 00:51:57.

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Real Estate Tips: How to Pack for a Move

Posted in Community by admin on April 29, 2010 1 Comment

The well-equipped moving company will transport the contents of your house without the slightest bother or help from you. That’s fine if your employer is picking up the tab. However, you can save several hundred dollars on the average truckload if you do the packing yourself.

After donating the things to charity you can live without or holding a garage sale, you’re ready to begin.

Here are some handy hints:

· When gathering empty boxes from your local supermarket, look for smaller ones that you can lift easily, even when full of books. The sturdier the better.

· Make full use of drawers, suitcases, the space in your refrigerator or old purses as packing containers. However, do not overload drawers with heavy items because this can damage the furniture during transit.

· Compartmented cartons (such as the kind liquor comes in) are ideal for glassware and small knickknacks.

· Ask variety or dry goods store owners for cardboard tubes. Use these for wall hanging posters, curtain rods, etc.

· Wrap all breakable dishes separately (first in tissue, then newsprint; ink from papers may stain fine china) and use washcloths or aprons to fill up the empty spaces.

· When packing odd items (tools, heavy pans, sports equipment), put the things that weigh the most at the bottom for better balance.

· Throw rugs and towels make excellent padding for fragile items.

· Pack similar items together (i.e., shifting books could dent your lampshades).

· Pin or otherwise secure clothing on hangers to be moved in wardrobes so that vibration or bumps will not cause them to slip off.

· Empty refrigerator and freezer so that they can dry for at least 24 hours to prevent any mildew, mold, or unpleasant odor.

· Perfume, medicine, nail polish remover and anything else that could leak and ruin other items should be tightly sealed with tape and placed in separate plastic bags.

· Empty all gasoline engines, fuel-burning camping equipment, etc.

· Make a final tour of the house to be sure no items have been overlooked. Check all closets, cabinets, basement, attic, garage and don’t forget the patio furniture, the telephone if you own it, or the TV antenna.

Some things that shouldn’t be packed:

· Valuable jewelry, furs, silver, irreplaceable photos, auto ownership record, insurance policies, medical and dental records and other special documents. Coin or stamp collections are best transported by yourself.

· Do not pack anything that could possibly leak, explode or be a fire hazard. Discard all aerosol cans, old cans of paint, bleach, alcohol, cleaning fluid, etc.

· Do not transport ammunition, fireworks, matches or chemistry sets.

· Transport house plants in the family car or they may suffer from lack of water and light and probable temperature changes. Some states prohibit the entry of certain plants. Better yet, give them to friends or donate them to a hospital.

· Do not pack perishable foods. (What if the electricity is not on when you arrive?)

Remember: You must be ready to pay the movers as soon as you arrive.

Originally posted 2009-10-23 17:31:59.

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Wireless Security Camera System DVR Infrared Surveillance Quad View Quad Display 2.4ghz Night Vision Real Time Color

Posted in wireless-networking by admin on April 29, 2010 2 Comments

  • QUAD Display allows viewing of all 4 cameras simultaneously; Record all four cameras in real time without a delay
  • 2000/XP (32 bit) compatible without additional hardware or software
  • Remote Access / Viewing – Watch Your system anywhere in the world over a browser; Email Alert with Image – Send to any PC in the world
  • LED’s for SUPER Night Vision – Cameras can be used INDOOR or OUTDOOR (note: cameras require power outlet)
  • Can be used with TV or VCR, all RCA cables and power included; 100M Wireless Distance = 330 feet wireless distance

Product Description
2.4Ghz 4Ch Wireless or Wired, Color Nightvision Security Surveillance Camera System

Cameras have both wired and wireless option.

Complete 4 Camera Security System
Live monitoring videos from anywhere in the world!!

100M Wireless Distance = 330 feet wireless distance

QUAD PROCESSOR – WATCH ALL 4 CAMERA AT THE SAME TIME
- Remote Monitoring
- Motion detection recording
- Color adjustment
- Schedule recording
- Password protection
- Circular recording

This 2.4Ghz system allows the longest wireless distance. With high resolution night-vision camera and audio capability its a perfect system for home or business monitoring. With latest DVR technology record videos directly on your PC hard drive and monitor your cameras via internet from anywhere in the world.

DUAL VIDEO ACCESS – Cameras can be connected via wire or access via wireless receiver.

This is COMPLETE 4CH wireless DVR system with professional high end DVR card. This package includes everything needed for 4Ch DVR computer based DVR system. Also lets you monitor from anywhere in the world.

Images sensor : 1/3″ OmniVision Validity Pixel: PAL:628 X 582/NTSC: 510 X492; Horizontal Definition: 380 Line; Minimum illumination: 0.1 Lux Frequency : CH1:2.414GHZ CH2: 2.432GHZ CH3:2.450GHZ CH4: 2.468GHZ Transmission power: 500mW Open Transmission Distance: 100M Power: DC 12V/500mA Work Temperature: -10 ~+50 degree celsiu

Wireless Security Camera System DVR Infrared Surveillance Quad View Quad Display 2.4ghz Night Vision Real Time Color

Originally posted 2010-02-17 22:41:58.

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Law Of Attraction Business — Scam Or Real Money Maker?

Posted in business by admin on April 27, 2010 1 Comment


www.MORVacationsAmerica.com They tell you it is a law of attraction business, but how can you be sure. People are advertising illegal gifting schemes as law of attraction business models. Some scam artists aqdvertising law of attraction business models have been led away to jail. How can you be sure the law of attraction business you are considering is a real business and not anoother law of attraction scam? It is important to attract the right business for yourself, but how do you do it the right way. Many go into what they call a business just thinking about the money. They see the money. They may say they are thinking about money. Are they thinking about attracting money or are they thinking about the lack of money. How will they attract the money with a law of attraction business model. To be a real business, your law of attraction business model must offer a real product. You must give the consumer real value in otherwise you are involved in a money game. Give consumers a real product that provides them with real value and you are in business. You can now begin to attract real money with a real business without fear of a visit from various law enforcement agencies. It’s easy to get hooked up with a scam. It’s easy to loose money. It’s easy to become a victim when all you concentrate on is the money. You can put the law of attraction to work with your business by providing service. Give consumers what they want and the money can flow into your life like you never

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Fur Real Friends Collectible Yellow Duckling

Posted in Community by admin on April 16, 2010 5 Comments

  • Bring home this lovable, cuddly baby duckling that really comes to ¿life¿ as it responds to your love and attention
  • Just like a real duckling, this electronic toy bird flaps its wings, raises its head, opens its beak, and makes ¿real¿ duckling sounds
  • Keep interacting with your duckling, and it becomes more playful
  • Be sure to ¿feed¿ your duckling with its bottle
  • Duckling figure comes with a bottle and a special adoption certificate

Product Description
Bring home this lovable, cuddly baby duckling that really comes to ¿life¿ as it responds to your love and attention. Just like a real duckling, this electronic toy bird flaps its wings, raises its head, opens its beak, and makes ¿real¿ duckling sounds. Keep interacting with your duckling, and it becomes more playful. Be sure to ¿feed¿ your duckling with its bottle. Take care of your baby duckling and you¿re sure to be the best of friends! Duckling figure come… More >>

Fur Real Friends Collectible Yellow Duckling

Originally posted 2009-11-13 12:51:35.

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Fur Real Friends Biscuit My Lovin Pup

Posted in Community by admin on April 16, 2010 5 Comments

  • Playtime is going to the dogs and this playful pooch is leading the charge! The lovable mutt features voice recognition, obeying six commands, including, “Sit”, “Speak”, and “Lie down”
  • Tell your furry friend to give you his paw and he’ll raise his right or left paw ask him if he wants a treat, and he’ll nod and whimper to let you know he’s ready for his dog “bone”
  • Biscuit my lovin’ pup pet will even “shake” at your command, lifting his paw to your hand or sit up and beg, just like a real pup
  • Biscuit my lovin’ pup pet wags his tail and barks, too, to let you know he’s ready to play
  • Use the special adoption certificate to register your pet online and ensure that you and this adorable pup will be friends forever pup pet comes with collar, tag, brush, dog “bone” and adoption certificate

Product Description
This ultra-realistic FurReal pup is the perfect first pet for any little girl or boy. Biscuit responds to you and obeys six different commands: sit, lie down, sit up, beg and speak. He’ll also give you a paw when you ask if he wants a treat. Biscuit’s soft, cuddly fur and puppy-dog eyes will instantly win you over. Sitting pup measures 21″ tall. Requires six “D” batteries, not included.Amazon.com Review
Get ready to welcome a fun-loving furry friend into … More >>

Fur Real Friends Biscuit My Lovin Pup

Originally posted 2009-11-15 00:50:05.

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Wireless Security Camera System Quad View USB Quad Display 2.4ghz Night Vision Real Time Color

Posted in wireless-networking by admin on April 9, 2010 No Comments yet

  • 4 Camera Wireless USB DVR Security Camera Kit (LATEST BUILT-IN DVR RECEIVER!) – QUAD Display allows viewing of all 4 cameras simultaneously
  • Infrared ( Night Vision ) – Audio – Indoor / Outdoor – Includes everything you need to set up a PC based security surveillance system in your home or store!
  • 2000/XP (32 bit) compatible without additional hardware or software
  • Remote Access / Viewing – Watch Your system anywhere in the world over a browser – Email Alert with Image – Send to any PC in the world
  • NEW AND IMPROVED BUILT-IN DVR RECEIVER – MORE FEATURES and BETTER QUALITY PICTURE! Record all four cameras in real time without a delay

Product Description
Other wireless systems require additional USB DVR, but ours is the latest BUILT-IN DVR RECEIVERS. Also, unlike other systems that may have quad viewing, our system offers quad viewing AND the ability to record all 4 cameras at the same time!! Other systems which use an older model of the USB DVR allow you to only record a single camera at a time or have a delay in between quad view. Our BUILT-IN DVR RECEIVER also supports 2 audio channels while other systems only provide a single audio channel.
NOW YOU CAN WATCH AND RECORD ALL 4 CAMERAS IN REAL TIME!!!

Wireless Security Camera System Quad View USB Quad Display 2.4ghz Night Vision Real Time Color

Originally posted 2010-03-04 16:58:06.

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Wireless Security Camera System DVR Infrared Surveillance Quad View USB Quad Display 2.4ghz Night Vision Real Time Color

Posted in wireless-networking by admin on March 29, 2010 1 Comment

  • QUAD Display allows viewing of all 4 cameras simultaneously; Record all four cameras in real time without a delay
  • 2000/XP/Vista (32 bit) compatible without additional hardware or software
  • Remote Access / Viewing – Watch Your system anywhere in the world over a browser; Email Alert with Image – Send to any PC in the world
  • LED’s for SUPER Night Vision – Cameras can be used INDOOR or OUTDOOR
  • Can be used with TV or VCR, all RCA cables and power included; 100M Wireless Distance = 330 feet wireless distance

Product Description
4 Camera Wireless USB DVR Security Camera Kit

Infrared (Night Vision) – Audio – Indoor / Outdoor

Includes everything you need to set up a PC based security surveillance system in your home or store!

NEW AND IMPROVED USB DVR!! with MORE FEATURES and BETTER QUALITY PICTURE!

Other wireless systems may seem the same, but we have upgraded the USB DVR which is a key component to the surveillance system. Unlike other systems that may have quad viewing, our system off… More >>

Wireless Security Camera System DVR Infrared Surveillance Quad View USB Quad Display 2.4ghz Night Vision Real Time Color

Originally posted 2009-11-13 12:51:23.

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