As one went to Europe to see the living past, so one must visit Southern California to observe the future.

If you're bored with life - you don't get up every morning with a burning desire to do things - you don't have enough goals.

Life is too short to start your day with broken pieces of yesterday, it will definitely destroy your wonderful today and ruin your great tomorrow!

$15,000 Homebuyer Tax Credit Added to Proposed Stimulus

$15,000 Homebuyer Tax Credit Added to Proposed Stimulus

Proposed by Senator Isakson (R-Georgia) the tax credit would work like this: Buyers would get 10 percent of the purchase price of any primary home, up to $15,000, applied to their tax bill. Though the details remain to be finalized, the amendment would allow taxpayers to claim the credit on their 2008 taxes and will be recaptured if the home is sold within two years. The time frame for home purchases would be from the date of the stimulus’ enactment to one year thereafter.

Kind regards,
CEO
http://www.commercefinancialinc.com

We all live in suspense from day to day; in other words, you are the hero of your own story!

Don't live in the past, thinking about mistakes or changes you made. Think of your life as a book, move forward, close one chapter and open another. Learn from your mistakes, but focus on your future, not on your past.

How Networking Can Grow Your Net Worth

How Networking Can Grow Your Net Worth

It’s important to remember, though, that networking isn’t just about receiving from your contacts. You should also remember that being part of a network means that you give something back. You might be asked to mentor one of your contacts, or provide helpful advice. You might give an opportunity to do business with someone in your network, or recommend him or her for a job. Make sure you are as free with your help to others as others are free with their help to you

Please visit our website to learn more about our paid networking programs and how to offer viable business financing options to your network, click on link to learn more http://www.commercefinancialinc.com

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I have had a holiday, and I'd like to take it up professionally.

Every man who possibly can should force himself to a holiday of a full month in a year, whether he feels like taking it or not.

Even as an adult I find it difficult to sleep on Christmas Eve. Yuletide excitement is a potent caffeine, no matter your age.

Never worry about the size of your Christmas tree. In the eyes of children, they are all 30 feet tall.

Christmas is a necessity. There has to be at least one day of the year to remind us that we're here for something else besides ourselves.

Christmas waves a magic wand over this world, and behold, everything is softer and more beautiful.

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Unless Congress acts soon, Medicare doctors will be hit by a 27.4% cut to reimbursements. http://t.co/a

My alarm clock is clearly jealous of my amazing relationship with my bed.

No matter how good or bad you think life is, wake up each day and be thankful for life. Someone somewhere else is fighting to survive.

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And while the law of competition may be sometimes hard for the individual, it is best for the race, because it ensures the survival of the fittest in every department.

Almost all quality improvement comes via simplification of design, manufacturing... layout, processes, and procedures.

All lasting business is built on friendship.

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Feedback is the breakfast of champions.

Each morning see some task begun, Each evening sees it close; Something attempted, something done.

A dream doesn't become reality through magic; it takes sweat, determination and hard work.

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I still find each day too short for all the thoughts I want to think, all the walks I want to take, all the books I want to read, and all the friends I want to see.

How To Earn Money Online

How To Earn Money Online

If you said “failure” you’re close, but you’re confusing cause and effect. It’s the inability to make money—also known as the loss of a steady paycheck— that would be the cause of the failure that’s at the root of your deepest fears. Failure will merely be the result—or the effect—of the inability to make money.

Own a Business? Don’t Forget these Tax Deductions

Own a Business? Don’t Forget these Tax Deductions

As the year draws to a close, it’s time to think about the best ways to reduce your tax liability. If you own a business, you have quite a few options to help you on your way to a lower tax liability. Make sure, of course, that you have kept good records, and that you can back up the tax deductions you are taking.

Commerce Financial Inc. San Diego CA (619) 308-6...

Commerce Financial Inc. San Diego CA (619) 308-6...

We work with small, medium, and large size businesses and have a broad portfolio of financial products to provide the capital our clients need. Composed of a group of certified, highly experienced financial professionals, Commerce Financial, Inc. is at the forefront of the commercial finance industry. When your business needs capital, let our experts provide you with the signature service we have come to be known for.

Please contact us today for a free, no obligation analysis of your financing needs.

Business Tax Planning: Auto Deduction

Business Tax Planning: Auto Deduction

Now that it’s almost the end of the year, it’s time to start planning what deductions to take. You want to get the most bang for your buck, reducing your tax liability as much as you can legally. One of the ways that you can reduce what you owe is to deduct some of your expenses for your vehicles.

visit our website at http://www.commercefinancialinc.com

Magnitude of asset protection – Is it really required in a volatile economy?

If you’re a business owner, it’s a pre-requisite for you to identify the most appropriate structure

through which you may run your business successfully. No what do you mean by an appropriate  

structure for your business organization? Well, an appropriate structure is that which will not  

only offer you taxation benefits but also provide your business with enough flexibility and  

safeguard it from the most common business risks. In the present volatile economy, this move  

by all business organizations is more important than ever. Failure to protect your assets may

make you run into the risk of incurring business debts and require running to business debt  

consolidation non-profit companies for financial help. But will you benefit by getting in touch 

with them or will it be just a waste of time?

Well, the debt relief companies are all there to assist you in getting out of business debts and re-

establishing a firm footing in the market, but is it not always better to stay safe than sorry? You  

bet it is. An effective business structure does not always need to be complex but rather requires

enough consideration of the present and future needs of the business organization.

Considerations of asset protection and its importance to a business

The increasingly litigious economic environment in the US makes asset protection a mandatory 

consideration for all business owners who are keen on staying afloat. A business organization 

might be at the risk of being sued by its customers, suppliers, employees and even by the 

regulatory bodies for breach of law. This is the reason why the business structure that you choose 

must provide high level of protection of your personal financial assets of the company. Does this 

mean that the personal assets of the business owner are not at risk of being sued? Yes, it is not at

risk unless the company is proven to be trading while being insolvent. During such a situation,  

the Director’s personal assets may also be at risk.

Using a Trust structure to operate a business can be a good asset management strategy that you 

can adopt. Through a Trust structure, the assets of the business will be separated from that of the 

individual and this will enhance asset protection of the company as a whole. The Trust is not a 

separate entity but the business operations will be held in the name of the trustee. However, a 

note of caution is always given by the asset management experts that you must ensure that the 

personal assets are held separately from the business. When the business underperforms your 

personal assets may be at risk and this can only be avoided by effective business structure.

Often there are business owners who do not have a perfect Will in place or have a Will that was 

drafted ages ago. Such Wills that were drafted ages ago usually do not reflect the present asset 

holdings and the financial circumstances. When a Will is appropriately crafted, it will provide 

effective asset protection for your family by ensuring that the assets are equally distributed 

among your beneficiaries of choice, in the event of your death.

There may be some other structures like operating your business in your own name as the only 

trader of the company or through a partnership structure. But such aforementioned structures do 

not provide flexibility to distribute the income and also offers low levels of asset protection for t

he company. With so much economic uncertainty at the moment, asset protection is one of the 

things that you can do in order to get back your peace of mind, irrespective of what is happening 

in the economy.

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Frugal Entrepreneurs – Apparent Problems with Running a Consulting.

click on link to learn more, http://www.commercefinancialinc.com

Frugal Entrepreneurs – Apparent Problems with Running a Consulting Business

Frugal Entrepreneurs – Apparent Problems with Running a Consulting Business

we’ve already looked at some startup considerations for those who might desire to create their own consulting company. We’ve also examined the issue of expenses. Let’s now look at the general “hassle factor” of starting your own business in the world of consulting. Click on this link to learn more http://www.commercefinancialinc.com

Ares Management Aims to Take Commercial Mortgage Business Public « commercefinancialinc

Ares Management Aims to Take Commercial Mortgage Business Public « commercefinancialinc

The middle market was long served by CMBS conduit lenders. But when that market collapsed in 2008, and local banks were hamstrung in their ability to lend in early 2008, property owners had to scramble to address their financing needs. A crop of entrepreneurial investors, often backed by private equity, sought to fill the void.

To Learn More, Please visit us at http://www.commercefinancialinc.com/

Ares Management Aims to Take Commercial Mortgage Business Public

The middle market was long served by CMBS conduit lenders. But when that market collapsed in 2008, and local banks were hamstrung in their ability to lend in early 2008, property owners had to scramble to address their financing needs. A crop of entrepreneurial investors, often backed by private equity, sought to fill the void.

Ares Commercial is just one such example. Because it will buy Ares Management's existing portfolio, Ares Commercial will start life with a cash-flowing business, which ought to bode well for its capital-raising prospects. The other mortgage REITs that have been proposed have been structured as blind pools. In other words, they're looking to raise public capital and promising to invest it in fresh investments that would generate attractive yields. Investors have been reluctant to bite.

Details of that portfolio, which is comprised of mortgages, have not been disclosed. But it is tied to credit lines provided by Wells Fargo Bank and Citigroup that the REIT would use to fund new investments. Wells, Citi, BofA Merrill Lynch and JPMorgan Securities are underwriters of the company's proposed stock offering. Ares would earn a management fee of 1.5 percent of the REIT's shareholder's equity annually, plus a quarterly incentive fee that would be determined by the company's profits.

In conclusion, Ares Commercial's plan is to continue to originate and invest in commercial real estate loans on what it deems middle-market properties, that is, those with total capitalizations of $15 million to $100 million. It would provide senior loans, subordinate debt and other capital, often serving as a one-stop shop for property owners. It might also invest in CMBS.

To learn more, please visit our website at http://www.commercefinancialinc.com

FDIC Reclassification Troubling for Hoteliers

Recently, the FDIC has been encouraging the re-classification of hotel loans as "commercial real estate," similar to other income-producing loans such as office buildings and retail centers, in which rentals from tenants are the primary source of loan repayment. Formerly, there was flexibility to classify owner-operated hotels under another category, known as "commercial and industrial" loans. The reclassification has negatively impacted banks that are significant hotel lenders by increasing the concentration of "commercial real estate" loans as a percentage of capital by adding hotel loans to the total.

The banker we met with was happy to see the loan pay off as it helped reduce the bank's commercial real estate concentration, which is well in excess of regulatory guidelines. Our assistance in the conversion of portfolio hotel loans into SBA 7(a) loans will help also, since the 75% guaranty provided by the SBA reduces commercial real estate loan exposure for that loan by 75%.

"The bad news is that hoteliers are facing a significant reduction in hospitality lending by community banks in their markets," commented Jay Bhakta. "The economic recession and credit challenges in the banking industry have already diminished hotel loan demand at banks, and the regulatory reclassification now just makes matters worse," said Bhakta

To learn more, please visit our website at http://www.commercefinancialinc.com/

Saving and Investing Are Not the Same Thing

Saving and Investing Are Not the Same Thing

Here’s another way you could be hurt by confusing saving and investing. Let’s say you are trying tosave up for a down payment on your dream home. You know that the interest rate you’ll get on a savings account is downright pathetic so you decide to invest your entire stash in the stock market. And then the stock market takes a nosedive and all of your savings disappear into thin air. Bye-bye dream house.

If commercial financing is needed, visit this website at http://www.commercefinancialinc.com

Business Owners Survival Tips For Financing: Entrepreneurs Food For Thought « commercefinancial...

Business Owners Survival Tips For Financing: Entrepreneurs Food For Thought « commercefinancial...: Entrepreneurs Food For Thought « commercefinancialinc

As the CEO of Commerce Financial Inc ., it is very important to exercise good busi...

Entrepreneurs Food For Thought « commercefinancialinc

Entrepreneurs Food For Thought « commercefinancialinc

As the CEO of Commerce Financial Inc., it is very important to exercise good business practices in today’s turbulent economy. Exercising good business practices fabricate cross functional growth and expansion that ensures a company success. Therefore, when pursuing new business, keep this in the forefront of your efforts.

“ALWAYS SEEK THE TRANSACTIONS THE CAPITAL MARKETS DEMAND AND NOT THE CAPITAL MARKETS THE TRANSACTIONS DEMAND.”

I know this seems painfully obvious but often times we get wrapped up in the "story" and we spin our wheels for days, weeks and months. This can also be applied in reserve, do not waste time with lenders, investors and "funds" that cannot deliver the capital.

I hope this helps as always lets us know how we can help you grow.

Think Long and Hard Before Cashing In Annuity

An annuity is a retirement account with air bags. Buyers invest a sum of money in a particular annuity, and in exchange, they’re guaranteed a steady monthly check for a set number of years, or for life. The money in an annuity is invested by an insurance company and buyer, in turn, receive a series of payments.

Annuities are issued by insurance companies and sold by insurers, brokerages and mutual fund companies. All are marketed as investments that provide peace of mind for people who want to secure their lifestyle in retirement and ensure they won’t outlive their savings.

While most annuity buyers plan on long-term payouts from their contract some years into the future, life changes may present the need for immediate emergency cash. Such needs may prompt a buyer to ask how he can cash in his or her annuity right away, rather than continue to take regular payments. The simple answer is to sell it to Commerce Financial Inc.

Nevertheless, according to tax law, the payments Buyers receive from his or her annuity count against earnings first. So if a buyers total return over the life of the annuity is 12%, than his or her payments up to that amount, no matter how long a time they are spread out over, are taxed as both income and capital gains. If a buyer cashes his or her annuity before the 12% earnings have been paid to buyer, the remainder of that tax burden comes out of that investors’ lump sum.

Kind regards,
Marlo http://www.commercefinancialinc.com/

Benefits of a Virtual Business

Benefits of a Virtual Business

Good Morning,

Technology has evolved so much just in the past decade alone. Computers have gotten faster, phones have gotten smaller, and gadgets have gotten more sophisticated. These advances have allowed for many people to pursue their interest in becoming an entrepreneur. Many people who want to start their own business now have the option of either setting up a physical location or working wherever they want, thanks to technology.

If your lookling for a business loan, please visit us at http://www.commercefinancialinc.com

Kind regards,
Marlo Barge

Commercial Real Estate Finance Top 10 Challenges

As the economy shows signs of substantial improvement, the commercial real estate industry is emerging from a transitional phase in 2010 to a recovery stage in 2011. Institutional-quality real estate assets in primary markets have begun to stabilize and appear to be poised for recovery.

However, several uncertainties at both the macro and fundamental levels remain. Here we highlight the top 10 challenges facing our industry in 2011:

1. Economic recovery — Recent evidence suggests that the U.S. economic recovery is gaining strength. Corporate earnings are strong, with record amounts of cash on firms’ balance sheets.

2. Residential housing market — With the help of government tax incentives, the housing market has shown some signs of stability.

3. Job growth — During the recession of 2008-2009, the economy lost a total of 8.4 million jobs. In 2010, we regained approximately 1.1 million jobs. Private sector employment has shown decent growth..

4. Government and Fed policies — The Federal Reserve’s QE2 program of purchasing $600 billion in long-term Treasuries and the extension of the Bush tax cut program have without a doubt provided a significant short-term boost to business and consumer confidence.

5. Inflation and interest rates — The latest inflation data suggests low inflationary pressure for now. Several factors are contributing to this, including the high unemployment rate, high worker productivity, underutilized manufacturing facilities, and low-cost imports from emerging countries.

6. European sovereign debt crisis — Since the Greece sovereign debt crisis in April 2010, a few other European countries such as Ireland, Spain, and Portugal have also experienced signs of distress.

7. Geopolitical risks — A few geopolitical uncertainties are posing potential risks. In particular, tensions between Iran and Israel, conflicts between North and South Korea, and the possibility of a terrorist attack could cause significant volatility in the marketplace and undermine public confidence.

8. Capital market environment — The commercial real estate capital markets have improved remarkably over the past 18 months. Lenders, especially life insurers and foreign banks, have re-entered the commercial mortgage market, creating more choices for borrowers as well as lower mortgage rates and higher loan-to-value ratios for high-quality assets.

9. Loan maturities — Maturing commercial real estate debt remains a daunting challenge facing the industry. Over $1.1 trillion of debt is scheduled to mature from 2011 through 2014.

10. Real Estate fundamentals — 2010 was a transition year for commercial real estate with vacancy rates of all property sectors bottoming. Corporate tenants are taking advantage of lower rents to “right-size” or consolidate their space. As a result, leasing activity has surged over the past three quarters.

Nonetheless, large shadow inventory still remains a challenge, especially in the office sector. In this past downturn, many big companies went through large-scale layoffs without shedding significant spare space. The pace of occupancy recovery could be moderate as a result.

With improving fundamentals, we believe the commercial real estate market will attract significantly more investor interest and new capital. Investment activities will likely expand beyond the traditional core into the lesser-quality assets and secondary markets in 2011. Please visit our website at http://www.commercefinancialinc.com and connect with us on Linkedin http://www.linkedin.com/in/commercefinancialinc

SBA Loans For Small Business Owners

How an SBA Loan Works

I will not pretend to be an expert on all the intricacies and rules.  The SBA has a number of programs, offering loans of different lengths of time and for different purposes.  The SBA has programs for both revolving lines of credit as well as standard 10-15 year loans.  Each of these programs has different under-writing criteria, fees, and limitations, which a banker or a commercial finance advisor  will have to explain to you.  Most SBA loans, including one of my clients, fall under the section 7(a) program.

As stated in the intro, an SBA 7(a) loan actually is issued by a bank, but to SBA underwriting criteria and with an SBA guarantee.  The SBA only guarantees a portion of the loan, something like 50-75% depending on the exact loan type, with the bank taking the rest of the risk.  These loans are issued at a floating rate of prime plus a percentage, and the SBA has rules that caps the rates as well as fees the bank can charge.  The SBA charges a substantial fee, in the 2-3% of total loan value, up front to the borrower for the guarantee.

Choosing the Bank is Critical

From the section above, it should be obvious that you should strongly consider working through a bank that has the preferred lender status with the SBA.  Note that having or not having this status does not necessarily correlate with bank size.  In previous years, The "expert" my client was hooked up with at Bank of America (client main bank) was useless, and told my client in so many words that it would be impossible for him to ever get an SBA loan.  He ended up getting a line of credit. However, a few years later the client came to Commerce Financial Inc and we went through a prefer lender or PLP. PLP had the whole process automated, and when combined with a very knowledgeable banker on the front end named Jon Cosentino here in Albany, the process was as smooth as silk and very, very fast.  In fact, my client got the whole loan done in less time than it took B of A two years ago to do his line of credit.

If interested in SBA loans, please visit our website for more information at http://www.commercefinancialinc.com

Entrepreneur Checklist: 5 Ideas for July

Entrepreneur Checklist: 5 Ideas for July

Hopefully, your business is well underway. June’s entrepreneur checklist was largely about getting your budget into shape. After all, the six-month mark for the year is a good time to evaluate your budget, and make the necessary tweaks. Now that you have your budget back in order — and now that you perhaps have a virtual assistant or freelancer to help you out — it’s time to focus a little more on brand building and marketing. Here are 5 ideas for becoming more visible in July

Please visit our website at http://www.commercefinancialinc.com

How to get a Peer to Peer Loan

How to get a Peer to Peer Loan

What is a P2P Loan?A peer-2-peer loan is an alternative to traditional lending, in which the borrower receives a loan from another individual rather than a lending institution. Those with money to invest for profit can join a P2P lending network and give out loans to those who may not qualify elsewhere.

Please visit us at http://www.commercefinancialinc.com

Should You Start a Business with Your Spouse?

Should You Start a Business with Your Spouse?

It can seem like a dream come true: Starting a business with the most important person in your life. However, it might not be the best option in all cases. While working with your spouse can be interesting, and even beneficial, some couples may not respond well, long-term, to being in business together. Here are some questions to ask yourself before you decide to start a money making business with your spouse:

Kind regards,
Commerce Financial Inc.
Website info: http://www.commercefinancialinc.com
Mission Statement Mission Video:http://www.youtube.com/watch?v=mHbya31pqsc
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Follow Us On Facebook:http://www.facebook.com/pages/Commerce-Financial-Inc/144591508944667

Commercial Finance

Commercial finance typical revolves around what are considered the assets of your business and are often called “asset based loans”. The assets of your business are things such as your outstanding account receivables, open purchase orders, inventory, import/export contracts, large equipment, reoccurring credit card billings and other hard assets such as bonds or certificates of deposits, etc.

Commercial financing types are loans like invoice factoring, purchase order advances, credit card receipt advances, secured working capital credit lines, inventory flooring financing, franchise financing, and import/export letters of credit.

To get approved for commercial financing it is typically much more about your assets than it is about you or your business. For example, a commercial finance lender will look much harder at the credit worthiness of your client for that invoice receivable than they will at you. For that purchase order you want to finance, a commercial finance loan will require that the company issuing the purchase order has good credit.

If a commercial finance lender is going to approve your business for a secured line of credit they will want to know that the asset’s liquidation value is enough to pay back the loan. So if they have to sell your crane or backhoe, they want to be sure they can get paid back.

A great way to get a dollar for dollar secured business loan is to secure it with a certificate of deposit or CD. With this method you can borrow money from friends or family, or even use your own savings to secure a business loan that then makes your business much more real to other lenders because they see the credit line on your business credit reports, but they don’t see that it is secured.

Visit our website at http://www.commercefinancialinc.com

Can pensions be used for business financing?

Anthony Carty, director of Clifton Asset Management, said:
“In today’s uncertain market attracting funding during the early stages of development can be a real challenge for start-ups and small businesses. With banks closing their doors to firms unless they have the relevant collateral or materials to secure against any investment, business owners need to look at different ways to access finance.

“One alternative source of finance for the business owner who has accumulated a pension over their working life is pension-led funding. A pension fund can be an extremely valuable asset when invested properly and can be used to help a business grow while providing contractually protected and attractive investment returns to the pension scheme.

“This can be done in two ways; by making a simple secured loan to the business, or by buying an asset in the form of Intellectual Property, a Trademark or Copyright for instance. This asset can then be leased back to the company, providing an income stream for the pension going forward.
“Whilst it is vital for the business owner to be aware of the risks associated with this type of funding there are benefits from being able to invest in a business under your own terms.
“Perhaps most importantly it gives the business owner the flexibility to reduce their reliance on traditional lending providers such as banks and as funding from such sources continues to dry up this can only be a good thing”

Kind regards,
Marlo Barge
http://www.commercefinancialinc.com

How to Create a Health Benefit Plan for Your Business

How to Create a Health Benefit Plan for Your Business

Running a business is tough. It seems like there’s no end to the problems that pop up. You’re constantly being called upon to make decisions, and sometimes it’s hard to find and keep good employees. When you do, it’s important that you make sure they’re satisfied. please visit our website for information about financing your business, http://www.commercefinancialinc.com

What Makes A Small Business More Likely To Succeed

What Makes A Small Business More Likely To Succeed

Whenever I was down about the business, my wife was upbeat, patient and encouraging. Likewise, whenever she was feeling negative, I was there to cheer her up. What’s funny is that we both got depressed about different aspects of the business. In general, I was discouraged whenever we had a bad day of sales. On the other hand, my wife became discouraged whenever we received a product return or a customer complaint. But overall, we kept each other going during the early stages of our business. Please visit our website whenever you need business financing, http://www.commercefinancialinc.com

The Best Small Business Credit Cards

The Best Small Business Credit Cards

Having a line of credit handy is extremely important for a small business. Enter small business credit cards. Not only do they provide credit, you can also find benefits such as cash back, rewards, flexible payment terms, separate tracking for business expenses, and more. visit our website at http://www.commercefinancialinc.com

Home Based Business Ideas

Home Based Business Ideas

Professional Organizer: If you’re a neat person, you can help others get organized as well. That include sorting papers in offices of corporations and homes, or even organizing closets of families. If there are containers or bins you recommend, you can charge extra for supplying these to your customers.

When Greed Is Not Good

When Greed Is Not Good

That, as it turned out, was a misjudgment. When the big banks and insurance companies got bailed out by their governments in New York, and in London, the top executives nevertheless insisted on their bonus payments. AIG, probably the most incompetent financial company of all time, had to be bailed out to the tune of $160 billion, and yet its executives felt they were entitled to several hundred million dollars worth of bonus payments. Of course, these bonuses were small relative to the sums involved in the rescue of the bank, but they symbolized the unfairness better than anything else. Bankers were so incompetent that they had to be bailed out by the government, and then they rewarded themselves for their failure.

10 Outsourcing Secrets Every Financial Advisor Should Know

10 Outsourcing Secrets Every Financial Advisor Should Know

I am not a “need to do it all myself” kind of gal. I am happy to enlist help where I need it. Whether you are or not, if you have your own financial planning practice or are trying trying to build your business, you need support. Going it alone will limit your business potential and just plain wear you out! Getting help can mean different things to different people depending on your strengths, your available cash, and what you like (or dislike!) to do. As a fledgling firm or advisor, you may not have the resources to assemble a highly competent team with precisely the skills that you need. The secret to overcoming these constraints is to strategically outsource, finding workers that offer the exact skills that I need for a task. As I've gotten more skilled at outsourcing, I've even discovered how to massively boost my productivity by doling out tasks that take just minutes or hours to complete, sometimes getting them performed for less than the cost of a good cup of coffee!

The Top 25 Books for Entrepreneurs That Kick Serious Butt

The Top 25 Books for Entrepreneurs That Kick Serious Butt

Reading is said to be the spark behind creative thinking, and is one of the most predominate traits of individuals said to pertain a level of “higher intelligence”. Is the thought of gaining intelligence through reading actually viable? I believe that it is not intelligence that is gained through reading; rather it’s the exposure to other people’s thoughts and perception of events and processes that generally will lead to you being better rounded thinker. One of the most dangerous characteristics or life paths anyone can have or follow is to surround your self with a few like minded thinkers, and believe that the thought process your small group has come up with is proper, and more dangerous than proper is correct.

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Repossessed Inventor Please check out our list of recent repossessed inventory that we have for sale and ready to finance.
Why buy from our inventory?
We can offer very flexible financing on all of our assets. We approve financing to companies with a wide range of credit from strong to credit challenged and start ups. http://ping.fm/HfROr

Structured Settlement and Annuity Financing
Take advantage of our new innovative program that will allow you to sell your annuity for immediate lump sum cash now. Whether you want to sell. http://ping.fm/vcQy1

Commerce Financial, Inc. offers a diverse mix of commercial real estate loans to meet the individual borrowing needs and investment objectives of its borrowers, for both investment and owner-occupied commercial properties. http://tinyurl.com/3tbqwej

We can provide your business with a merchant cash advance against its merchant account of up to $200,000 per business location.http://tinyurl.com/3ttctma

It's easy to make a buck. It's a lot tougher to make difference.

Start Up Business Tips

When starting a business, there are four critical components to focus on to ensure successful operation and management. The four critical components are: education, finance, marketing and support. First ofall, commence reading business publications, like a local business journal, this magazine, the newspaper business section, etc. Also, take advantage of free counseling and inexpensive workshops from resources like SCORE, Small Business Development Center, S.C. Women's Business Center, and FastTrac. Furthermore, write a business plan tocompile all relevant data in one place. As far as finance aspect, a new business owner should save at least six months of income, so he or she can concentrate on building the business rather than paying the bills. Moreover, create a sound record-keeping system to track mileage for meetings, office supplies, accounts receivable, and equity; identify the business tax write-offs. Lastly, track and profile the business most profitable and least profitable jobs.


As far as marketing concern, recognize that marketing is an important, ongoing investment. Nonetheless, distinguish a business with a professional logo, letterhead, business cards, and Web site. It is valuable to ensure that all the marketing efforts are consistent. Consider investing in a public relations campaign; it usually will provide the best value for a business that is tracking every dollar. Most importantly, remember that bad marketing strategies can actually do more harm than good. As far as the support aspect, find a mentor in
his or her field to obtain business advice. Join professional groups and leads groups to learn, share concerns, and network. However, find ways to separate the work life from the family life, while still including his or her family in his or her endeavors. Lastly, indulge a hobby that allows a person to get away from the business.


Visit our website at http://www.commercefinancialinc.com to learn more about financing for your business needs

Mission Statement Of Commerce Financial Inc. www.commercefinancialinc.com

Business Start UpTips By CFI at www.commercefinancialinc.com

How Stock Options Work

How Stock Options Work

Im thinking about taking a stock loan out for the purchase of a small commercial property here in Downtown, San Diego. This is an Innovative methods for me as stock owners to obtain cash from their equities without the necessity of a sale. click on link to find out more about how Im doing this. http://tiny.cc/Stockloan

How Baby Boomers Influenced The Banking Industry

How Baby Boomers Influenced The Banking Industry Take advantage of our new innovative program that will allow you to sell your annuity for immediate lump sum cash now. click on link to learn more. http://www.commercefinancialinc.com/financing-settlement

San Diego New Service Already Helping Companies Access Corporate Funding Solutions

San Diego New Service Already Helping Companies Access Corporate Funding Solutions

Architecture-Building & Construction

Architecture-Building & Construction, a group on Flickr.