Tuesday, July 3, 2012

Commercial Real Estate ? Commercial Mortgage Loan

A commercial mortgage, as the name suggests is improved commercially. This loan has a wide variety of uses for business expansion with the purchase of commercial properties or even to start a business.

Commercial mortgages are a great help for all businessmen, especially those in the expansion phase of business or even start over. The mortgage business is also served by those without sufficient funds to buy new property or participate in new business development and construction. With this type of commercial mortgage financing, you can buy commercial complexes, shops, office buildings, etc.

To benefit from this type of loan is usually the property being purchased is held as collateral until the return of the loan amount. In each case the value of credit or the value of your commercial property is more important than your credit report. Besides the fact that the foreclosure property is what hangs on the mortgage business, there are many advantages to this type of loan. The interest rate here is low and most came with flexible payment options. Before taking a loan, the plan details the reasons for requesting the loan or the development or repair or improvement to do. These data will be necessary to punish the mortgage lending business.

Details of size and return of the mortgage business will largely depend on your business size and proportion of the money.

Here are some of the advantages and disadvantages of a commercial mortgage loan:

* Interest payments on that loan is tax deductible. Refunds can be made to pre-fund tax, which gives a tax break.

* In a company to refinance the mortgage, you can keep hold of the full ownership of the property. Rules state that the lender can request a refund of interest only mortgage, not the percentage of participation.

* With flexible payment schedules, you can easily manage their finances effectively and plan accordingly.

* We maintain a steady cash flow with a well-planned commercial mortgage financing. Reduction of initial payments to help the capital available.

* The biggest drawback of commercial real estate loan foreclosure for nonpayment

* The default penalties are also applicable to non-payment or bankruptcy

Most commercial mortgage lenders look for the loan to value out of the credit rating. A commercial mortgage broker also assess your financial situation and equity. Some lenders require down payments of 20 percent of the purchase price. Commercial real estate loans have different holdings with an average of about 10 to 30.

The availability of hundreds of mortgage business online and traditional forms adds to the complexity of finding a suitable rate commercial mortgage broker and a consultant / that can take you through the process smoothly and guide you to get a commercial mortgage. Therefore, you should be cautious in finding the perfect commercial mortgage.

Source: http://www.commercial-real-estate.org/commercial-mortgage-loan

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Monday, July 2, 2012

Mexico's former ruling party voted back to office

Enrique Pena Nieto, presidential candidate for the Revolutionary Institutional Party (PRI), greets supporters at his party's headquarters in Mexico City, early Monday, July 2, 2012. Mexico's old guard sailed back into power after a 12-year hiatus Sunday as the official preliminary vote count handed a victory to Pena Nieto, whose party was long accused of ruling the country through corruption and patronage. (AP Photo/Alexandre Meneghini)

Enrique Pena Nieto, presidential candidate for the Revolutionary Institutional Party (PRI), greets supporters at his party's headquarters in Mexico City, early Monday, July 2, 2012. Mexico's old guard sailed back into power after a 12-year hiatus Sunday as the official preliminary vote count handed a victory to Pena Nieto, whose party was long accused of ruling the country through corruption and patronage. (AP Photo/Alexandre Meneghini)

Mexican presidential candidate Andres Manuel Lopez Obrador of the Democratic Revolution Party (PRD) shows his election ink-stained thumb after casting his vote at a polling station in Mexico City, Sunday, July 1, 2012. Mexico's more than 79 million voters head to the polls Sunday to elect a president, who serves one six-year term, as well as 500 congressional deputies and 128 senators. (AP Photo/Eduardo Verdugo)

Women look at electoral booklets listing candidates before voting at a polling station in Oaxaca, Mexico, Sunday, July 1, 2012. Mexico's more than 79 million voters head to the polls Sunday to elect a president, who serves one six-year term, as well as 500 congressional deputies and 128 senators. (Photo AP/ Bruno Gonzalez)Oaxaca. (AP Photo/ Luis Alberto Cruz )

Enrique Pena Nieto, presidential candidate for the Revolutionary Institutional Party (PRI), left, speaks to supporters accompanied by his wife Angelica Rivera at the party's headquarters in Mexico City, early Monday, July 2, 2012. Mexico's old guard sailed back into power after a 12-year hiatus Sunday as the official preliminary vote count handed a victory to Pena Nieto, whose party was long accused of ruling the country through corruption and patronage. (AP Photo/Alexandre Meneghini)

A woman casts her ballot at a polling station in Oaxaca, Mexico, Sunday, July 1, 2012. Mexico's more than 79 million voters head to the polls Sunday to elect a president, who serves one six-year term, as well as 500 congressional deputies and 128 senators. (Photo AP/ Bruno Gonzalez)Oaxaca. (AP Photo/ Luis Alberto Cruz)

(AP) ? The party that ruled Mexico with a tight grip for most of the last century has sailed back into power, promising a government that will be modern, responsible and open to criticism.

Though Institutional Revolutionary Party candidate Enrique Pena Nieto's margin of victory was clear in the preliminary count from Sunday's election, it was not the mandate the party had anticipated from pre-election polls that had at times shown the youthful, 45-year-old with support of more than half of Mexico's voters.

Instead, he won 38 percent support, about 6 to 7 points more than his nearest rival, with 92 percent of the votes counted, and he went to work immediately to win over the two-thirds who didn't vote for him, many of whom rejected his claim that he represented a reformed and repentant party.

"We're a new generation. There is no return to the past," he said in his victory speech. "It's time to move on from the country we are to the Mexico we deserve and that we can be ... where every Mexican writes his own success story."

But his top challenger, leftist candidate Andres Manuel Lopez Obrador, refused to concede, saying he would await a full count and legal review. He won roughly 32 percent of the vote, according to the preliminary results. Lopez Obrador in 2006 paralyzed Mexico City streets with hundreds of thousands of supporters when he narrowly lost to President Felipe Calderon.

This time, only about 700 gathered at his campaign rally and he canceled plans to proceed to the Zocalo, the main square he filled as recently as Wednesday.

"We have information that indicates something different from what they're saying officially," he said. "We're not going to act in an irresponsible manner."

But Spanish President Mariano Rajoy already recognized Pena Nieto as the winner, sending him a telegram Monday congratulating him and offering him "all of Spain's support."

The PRI for 71 years ruled as a single party known for coercion and corruption, but also for building Mexico's institutions and social services. It was often accused of stealing elections, most infamously the 1988 presidential vote. But PRI governments were also known for keeping a lid on organized crime, whose battles with government and each other under Calderon have taken more than 50,000 lives and traumatized the country.

Repeating a popular belief of many Pena Nieto supporters, Martha Trejo, 37, of Tampico said, "He'll stabilize the cartels. He'll negotiate so they don't hurt innocents."

Pena Nieto in his victory speech vowed he won't make pacts with organized crime, but rather will focus on curbing violence.

Many predict he will build on Calderon's economic and security strategies but, working with a more friendly congress, may have more success. The main test of a new PRI will be how it handles corruption.

"We know there is some local corruption in the PRI with organized crime," said Andrew Selee of the Washington-based Mexico Institute. "The question is, 'Will they ignore it or go after it aggressively?'"

The vote Sunday went smoothly with the usual protests at polling places that ran out of ballots and a few arrests for small cases of alleged bribery or tampering of ballots. Josefina Vazquez Mota of the ruling National Action Party, Mexico's first woman candidate for a major party, conceded almost immediately after the polls closed and exit surveys showed her trailing in third place. The preliminary count gave her roughly 25 percent.

Her party unseated the PRI after 71 years in 2000 with the victory of Vicente Fox, who won more than 40 percent of vote, and again with Calderon in 2006, who won by a half percentage point over Lopez Obrador.

"I think this will be a major setback," businessman Leonardo Solis, 37, said of the PRI victory. "I don't think they've changed much, but we'll see soon enough."

Still, the PRI may actually lose seats in Congress despite winning the presidency. The PRI-led coalition with the Green Party had about 38 percent of the congressional vote, with 92 percent of ballots counted on Monday. The coalition won about 46 percent in the last legislative vote three years ago.

And while the PRI recaptured the governorships of the states of Jalisco and Chiapas, both of which it lost more than a decade ago, it apparently lost Tabasco, Lopez Obrador's home state, to Democratic Revolution. The leftist party also won the governor's race in Morelos, just south of Mexico City.

At the PRI headquarters in Mexico City, a party atmosphere broke out as the national results came in, with supporters in red dancing to norteno music.

Pena Nieto, who is married to a soap opera star, also has been dogged by allegations that he overspent his $330 million campaign funding limit and has received favorable coverage from Mexico television giant Televisa.

University students launched a series of anti-Pena Nieto marches in the final weeks of the campaign, arguing that his party hasn't changed since its days in power.

Pena Nieto praised their protests Sunday as a positive sign of the democracy and said he, too, wants to see Mexico change.

"You have given our party a second chance," he said. "We will honor that with results."

___

Associated Press writers Adriana Gomez Licon, Michael Weissenstein, Olga Rodriguez, Carlos Rodriguez and Galia Garcia-Palafox contributed to this report from Mexico City.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-07-02-LT-Mexico-Elections/id-889035f898ac47daa4065dc50e3fed27

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Jelly Bean Checks You?re Actually Alive Before Unlocking Your Phone [Android]

Google's clever little Face Unlock security feature, which lets you use your phone's camera to pull your Android mobile out of standby mode by having it recognise its master, has been updated, with the Jelly Bean version of the tool allowing users to blink at it to prove they're not a photograph. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/dUS9_zvCZvM/jelly-bean-checks-youre-actually-alive-before-unlocking-your-phone

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Insurer Aviva expected to axe a quarter of its businesses

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Source: http://news.yahoo.com/insurer-aviva-expected-axe-quarter-businesses-150817152--sector.html

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Sunday, July 1, 2012

Mohamed Morsi, Egypt's first Islamist president

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Source: http://news.yahoo.com/mohamed-morsi-egypts-first-islamist-president-113145450.html

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Video: Jindal on running with Romney

A Second Take on Meeting the Press: From an up-close look at Rachel Maddow's sneakers to an in-depth look at Jon Krakauer's latest book ? it's all fair game in our "Meet the Press: Take Two" web extra. Log on Sundays to see David Gregory's post-show conversations with leading newsmakers, authors and roundtable guests. Videos are available on-demand by 12 p.m. ET on Sundays.

Source: http://www.msnbc.msn.com/id/3032608/vp/48031913#48031913

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Who's Raiders' starter at QB? Coach isn't saying (SFGate Feed)


Who's Raiders' starter at QB? Coach isn't saying
San Francisco Chronicle Copyright 2012 San Francisco Chronicle. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Published 07:44 p.m., Friday, October 21, 2011

-- Whether Kyle Boller or Carson Palmer starts at quarterback for the Raiders against Kansas City on Sunday, Oakland's game plan might be affected more by who's kicking the ball instead of who's throwing it.Sebastian Janikowski did not practice again Friday because of a hamstring injury.[...] let's look at head coach Hue Jackson's range in publicly avoiding naming his starting QB for Sunday's game.During his early-afternoon news conference, Jackson was asked why he's beating around the bush in announcing who will be the QB."Because I can," Jackson replied.Because again, a player can't tell me what's best for the football team.Long-snapper Jon Condo said that once the Raiders reach the opponent's 45-yard line, he and holder Shane Lechler are looking at each other, saying, 'Hey, we can kick a field goal here.Without Janikowski, Condo thinks the Raiders will eschew extremely long field-goal tries and have Lechler, who's also a brilliant punter, try to pin the opponent inside its 10-yard line.Linebacker Rolando McClain (ankle) and defensive lineman Richard Seymour (knee) did not practice Friday and each is listed as questionable.Darren McFadden leads the NFL with 610 yards rushing.


More...

Source: http://www.fansinblack.com/x/showthread.php?101704-Who-s-Raiders-starter-at-QB-Coach-isn-t-saying-(SFGate-Feed)&goto=newpost

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