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    Think Property First For Commercial Real Estate Mortage
    Make sure the condition of the property you want to buy will survive market conditions before seeking a commercial real estate mortgage. When you go to purchase a new residence, a good lender does a thorough financial background check on the individual seeking to borrow money. On the other hand, when you go to apply for a commercial real estate mortgage, the lender’s greatest concern is the property. Some of the most important issues include your credit score. But that’s not enough. The lender wants to make sure the property is in pristine condition and will survive tumultuous market conditions.Research the commercial marketBefore deciding to seek a commercial real estate mortgage, scout the city or town and get a sense of the market conditions. Are there many “for rent” or “for sale” signs for multi-family units such as offices or apartments? Is the commercial property in a part of town that receives enough traffic flow or is it difficult to locate? Talk to professionals in the area to find out where you can find the best deals before obtaining a commercial real estate mortgage.Prepare to put money downJust as you would put money down on the purchase your dream house, you will need to come up with money for a commercial mortgage. Most lenders want between 15 and 20 percent down. Next, you are ready to see if you can pre-qualify for a property. A loan officer will put together a loan package before givi
    alled the many frustrations they encountered in taking care of basic living needs--opening a bank account, connecting utilities, choosing a long-distance company, haggling over the price of a car, or buying home and auto insurance. The marketing manager of a British-based international hotel chain moved from London, England, to the American headquarters in Atlanta, GA, only to discover that she did not know how to dial long distance within the United States. Neither did she know the meaning of dialing “911.” Americans often take for granted the daily survival skills that foreigners must relearn when they arrive in the United States.

    American English “Sports-speak”

    Understanding American English is one of the first challenges foreigners--even native English speakers--encounter in the U.S. corporate culture. American business conversation is riddled with clich?s, slang, regionalisms, and sports expressions that are not understood by non-Americans. “Sports-speak” is woven into business conversations constantly in the United States with references to American f

    Saving Time and Money by Estimating The Cost Of Construction
    A contractor knows that creating an estimate is the first step in securing a job. The client will look at all of the estimates and choose the one that best suites his or her needs. Estimating a small home is pretty basic. An experienced estimator can look at the square footage of the home to be built and have a good idea of what it will cost to complete the project. He or she also knows that there is a chance of delays and ever changing prices of materials.The Power Of Estimating - Cuts Costs In The Long RunWhether it is because they are out of stock or there is an outstanding invoice, material suppliers are notorious for delaying the delivery of materials for a job. This is not only poor business practice, it can lead to laborers who get an hourly rate just sitting around the jobsite doing nothing, and getting paid for it. This is the number one reason that construction jobs run over budget.Most contractors are very good at estimating construction costs. There payments are made in increments that have been prearranged. This method of payment keeps the job up and running to insure that it is completed on time. However there is a pattern of business that must be followed to insure that the job runs smoothly without costly delays.The contractor must decide which types of materials that he or she will need for the construction job. Flooring, windows, doors, roofing and plumbing are all necessary componen
    Expatriates and foreign nationals who relocate to the United States to live and work often have mixed perceptions about this young nation. Those feelings are probably best described by the late Irish poet and playwright, Oscar Wilde, who referred to America as “a land of unmatched vitality and vulgarity.”

    While most Americans rarely think of their country as “foreign,” the fact is that non-Americans who relocate to the United States to do business and “do lunch” are often surprised to find they experience a severe case of “corporate culture shock.”

    According to recently conducted research with dozens of foreign business professionals working in Atlanta and other southeastern U.S. cities, the human resource departments of multinational corporations are woefully inadequate in preparing foreigners for the American workplace. The purpose of the study was to learn about foreign managers’ experiences and attitudes regarding the American business culture. More than half of this diverse group of CEOs, CFOs, vice presidents, directors, managers, engineers, and analysts were European. In total, 26 different countries were represented.

    Equally disturbing is the finding that American employees lack cross-cultural awareness and skills that would enable them to draw on the diverse, global talents and business experiences of their non-American counterparts.

    Once the physical relocation to the United States is complete, most foreigners and their families say employers provide little, if any, assistance to help them integrate into the American community and business environment. They often struggle up to a year or longer to adapt.

    The financial cost of cross-border relocations is steep; often two to four times the transferee’s salary. But the cost of lost productivity because of months of isolation, confusion, and frustration is incalculable. The adaptation period could be reduced by 50 percent with adequate cultural orientation and training, professional coaching, and mentoring. If corporations would simply invest an additional 5 to 10 percent of their relocation cost into cross-cultural orientation, training, and coaching, they would be buying an insurance policy that protects their substantial investment in their expatriate and foreign nationals, realizing a greater productivity return on their investment much sooner.

    Stages of Adjustment

    Left on their own, foreign professionals frequently go through three stages of acculturation:

    1. Discovery. First, they encounter the barriers and differences that create discomfort and frustration for them and their families.
    2. Search. Second, they begin to look for the people and resources that can help them overcome the cultural barriers.
    3. Adaptation. Finally, they make the necessary adjustments to their communication style, work style, and business practices to build relationships with their American colleagues.

    Some foreigners never make it through the adaptation stage and continue to remain isolated from their American colleagues and are less-than-effective in their jobs.

    Bottom of the Pyramid

    In their home countries, most international professionals enjoy a certain degree of accomplishment and self-esteem. On arriving in the United States, however, they are pulled down to the bottom rung of Maslow’s pyramid of needs. Physical needs become top priorities again.

    Even the most basic everyday needs become major obstacles for foreign transferees. Obtaining credit is often a major hurdle, even for affluent non-Americans. A general manager of a French company’s North American division moved from Paris, France, to Atlanta, GA, three years ago. He described his family’s effort to establish credit as a “nightmare.”

    “We had no credit history here and felt like thieves,” said the transferee. Another vice president also complained of credit problems when he moved his family from Paris to Atlanta with a global Dutch company. An Atlanta car dealer refused to sell him an automobile without a U.S. credit history, even though he had used an American Express credit card in Europe for four years. The executive and his wife said they felt like “criminals.” They were forced to pay cash for their first used car.

    Other foreigners recalled the many frustrations they encountered in taking care of basic living needs--opening a bank account, connecting utilities, choosing a long-distance company, haggling over the price of a car, or buying home and auto insurance. The marketing manager of a British-based international hotel chain moved from London, England, to the American headquarters in Atlanta, GA, only to discover that she did not know how to dial long distance within the United States. Neither did she know the meaning of dialing “911.” Americans often take for granted the daily survival skills that foreigners must relearn when they arrive in the United States.

    American English “Sports-speak”

    Understanding American English is one of the first challenges foreigners--even native English speakers--encounter in the U.S. corporate culture. American business conversation is riddled with clich?s, slang, regionalisms, and sports expressions that are not understood by non-Americans. “Sports-speak” is woven into business conversations constantly in the United States with references to American fo

    Six Sigma MBB - The Master of the Game
    The born leaders belonging to personality types INTJ and ENTJ are the most likely people to be selected to become Master Black Belts. This can be by design or can be pure coincidence. But what one can not disregard is the truth that they are in their positions because of their enviable character that separates them from the crowd. Characteristically, INTJs and ENTJs are strong in intuitive and judgmental abilities which make them stand up for all the right things and know when to act because of their impeccable sense of timing.Who Are Master Black Belts?Master Black Belts are experienced trained professionals bestowed with the responsibility of strategic implementation of projects. Their responsibilities encompass the whole gamut of Six Sigma implementation, which includes training the other belts and strategizing on projects within an organization. This unambiguously means that a Mater Black Belt also acts as a watchdog of deployment processes by keeping tabs on integrity issues such as measurements, tollgates etc. Revising and improving training methodology and tools fall under the purview of a Master Black Belt.A Master Black Belt qualifies for that position through virtues such as problem solving abilities at strategic levels. This calls for qualities such as being forward looking, leadership by self-indulgence and thorough expertise in the intricacies of business processes, Six Sigma implementation tech
    e European. In total, 26 different countries were represented.

    Equally disturbing is the finding that American employees lack cross-cultural awareness and skills that would enable them to draw on the diverse, global talents and business experiences of their non-American counterparts.

    Once the physical relocation to the United States is complete, most foreigners and their families say employers provide little, if any, assistance to help them integrate into the American community and business environment. They often struggle up to a year or longer to adapt.

    The financial cost of cross-border relocations is steep; often two to four times the transferee’s salary. But the cost of lost productivity because of months of isolation, confusion, and frustration is incalculable. The adaptation period could be reduced by 50 percent with adequate cultural orientation and training, professional coaching, and mentoring. If corporations would simply invest an additional 5 to 10 percent of their relocation cost into cross-cultural orientation, training, and coaching, they would be buying an insurance policy that protects their substantial investment in their expatriate and foreign nationals, realizing a greater productivity return on their investment much sooner.

    Stages of Adjustment

    Left on their own, foreign professionals frequently go through three stages of acculturation:

    1. Discovery. First, they encounter the barriers and differences that create discomfort and frustration for them and their families.
    2. Search. Second, they begin to look for the people and resources that can help them overcome the cultural barriers.
    3. Adaptation. Finally, they make the necessary adjustments to their communication style, work style, and business practices to build relationships with their American colleagues.

    Some foreigners never make it through the adaptation stage and continue to remain isolated from their American colleagues and are less-than-effective in their jobs.

    Bottom of the Pyramid

    In their home countries, most international professionals enjoy a certain degree of accomplishment and self-esteem. On arriving in the United States, however, they are pulled down to the bottom rung of Maslow’s pyramid of needs. Physical needs become top priorities again.

    Even the most basic everyday needs become major obstacles for foreign transferees. Obtaining credit is often a major hurdle, even for affluent non-Americans. A general manager of a French company’s North American division moved from Paris, France, to Atlanta, GA, three years ago. He described his family’s effort to establish credit as a “nightmare.”

    “We had no credit history here and felt like thieves,” said the transferee. Another vice president also complained of credit problems when he moved his family from Paris to Atlanta with a global Dutch company. An Atlanta car dealer refused to sell him an automobile without a U.S. credit history, even though he had used an American Express credit card in Europe for four years. The executive and his wife said they felt like “criminals.” They were forced to pay cash for their first used car.

    Other foreigners recalled the many frustrations they encountered in taking care of basic living needs--opening a bank account, connecting utilities, choosing a long-distance company, haggling over the price of a car, or buying home and auto insurance. The marketing manager of a British-based international hotel chain moved from London, England, to the American headquarters in Atlanta, GA, only to discover that she did not know how to dial long distance within the United States. Neither did she know the meaning of dialing “911.” Americans often take for granted the daily survival skills that foreigners must relearn when they arrive in the United States.

    American English “Sports-speak”

    Understanding American English is one of the first challenges foreigners--even native English speakers--encounter in the U.S. corporate culture. American business conversation is riddled with clich?s, slang, regionalisms, and sports expressions that are not understood by non-Americans. “Sports-speak” is woven into business conversations constantly in the United States with references to American f

    Business Signs
    Signs are very important for a business institution as they form an identity for the organization. Business signboards normally confer details relating to the firm's name, address, and phone number.When people are looking out for a sign relating to business purpose they need to consider some important points. In order to get a unique and appropriate business signboard it is important to highlight the nature of the business. Along with the nature, it is also wise to consider the location, which pertains to the location of the main office and its branches, if any. If the business is located in commercial area, it is advised to have a small business board outside the office. Incase the office is located on the streets then larger signboards can be put up to make it visible to people.Corporate businesses generally get bright colored and large boards. The company name and logo is put up on the top of the organization's structure, as it is visible from far off places. Business signs should be artistic enough to attract attention and at the same time provide relevant details of the business enterprise. Since business information is definitive and precise, there are chances that the readers might loose interest mid-way. Hence, the signs should be presented in a way to hold on to the onlookers' interest.Usually, the information on business signboards features the nature of the business and advertises its merits so that
    d be buying an insurance policy that protects their substantial investment in their expatriate and foreign nationals, realizing a greater productivity return on their investment much sooner.

    Stages of Adjustment

    Left on their own, foreign professionals frequently go through three stages of acculturation:

    1. Discovery. First, they encounter the barriers and differences that create discomfort and frustration for them and their families.
    2. Search. Second, they begin to look for the people and resources that can help them overcome the cultural barriers.
    3. Adaptation. Finally, they make the necessary adjustments to their communication style, work style, and business practices to build relationships with their American colleagues.

    Some foreigners never make it through the adaptation stage and continue to remain isolated from their American colleagues and are less-than-effective in their jobs.

    Bottom of the Pyramid

    In their home countries, most international professionals enjoy a certain degree of accomplishment and self-esteem. On arriving in the United States, however, they are pulled down to the bottom rung of Maslow’s pyramid of needs. Physical needs become top priorities again.

    Even the most basic everyday needs become major obstacles for foreign transferees. Obtaining credit is often a major hurdle, even for affluent non-Americans. A general manager of a French company’s North American division moved from Paris, France, to Atlanta, GA, three years ago. He described his family’s effort to establish credit as a “nightmare.”

    “We had no credit history here and felt like thieves,” said the transferee. Another vice president also complained of credit problems when he moved his family from Paris to Atlanta with a global Dutch company. An Atlanta car dealer refused to sell him an automobile without a U.S. credit history, even though he had used an American Express credit card in Europe for four years. The executive and his wife said they felt like “criminals.” They were forced to pay cash for their first used car.

    Other foreigners recalled the many frustrations they encountered in taking care of basic living needs--opening a bank account, connecting utilities, choosing a long-distance company, haggling over the price of a car, or buying home and auto insurance. The marketing manager of a British-based international hotel chain moved from London, England, to the American headquarters in Atlanta, GA, only to discover that she did not know how to dial long distance within the United States. Neither did she know the meaning of dialing “911.” Americans often take for granted the daily survival skills that foreigners must relearn when they arrive in the United States.

    American English “Sports-speak”

    Understanding American English is one of the first challenges foreigners--even native English speakers--encounter in the U.S. corporate culture. American business conversation is riddled with clich?s, slang, regionalisms, and sports expressions that are not understood by non-Americans. “Sports-speak” is woven into business conversations constantly in the United States with references to American f

    What Type Of Furniture Should You Have In Your Office
    People make their first impressions of both you and your business within the first few minutes of stepping into your office. It is crucial to make a good impression from the minute your guests step through the door until the moment they leave. It is important to maintain a level of professionalism while at the same time making anyone who comes to your office for a meeting comfortable.The reception area of your office should be setup with a receptionist's desk facing the main entry to your office with the receptionist facing people as they come through the doors. She should be able to great your guests immediately and lead them to a seating area where they can wait while the receptionist calls you out for your meeting. Simple comfortable furniture is a great idea for this seating area, specifically a couch and two chairs. You should have a coffee table in this area as many people will have briefcases and presentational materials. Whether the rest of you office is setup cubicle style or if you have opted for a more creative solution the office should have a sense of continuity, and should not a random mix of styles and colors. The most effective presentation of your office is going to come from choosing a theme for the entire office.The theme for your office can be whatever you like, but a theme complimenting the type of business you are running is best. Choose the theme and then start with painting the walls accordin
    certain degree of accomplishment and self-esteem. On arriving in the United States, however, they are pulled down to the bottom rung of Maslow’s pyramid of needs. Physical needs become top priorities again.

    Even the most basic everyday needs become major obstacles for foreign transferees. Obtaining credit is often a major hurdle, even for affluent non-Americans. A general manager of a French company’s North American division moved from Paris, France, to Atlanta, GA, three years ago. He described his family’s effort to establish credit as a “nightmare.”

    “We had no credit history here and felt like thieves,” said the transferee. Another vice president also complained of credit problems when he moved his family from Paris to Atlanta with a global Dutch company. An Atlanta car dealer refused to sell him an automobile without a U.S. credit history, even though he had used an American Express credit card in Europe for four years. The executive and his wife said they felt like “criminals.” They were forced to pay cash for their first used car.

    Other foreigners recalled the many frustrations they encountered in taking care of basic living needs--opening a bank account, connecting utilities, choosing a long-distance company, haggling over the price of a car, or buying home and auto insurance. The marketing manager of a British-based international hotel chain moved from London, England, to the American headquarters in Atlanta, GA, only to discover that she did not know how to dial long distance within the United States. Neither did she know the meaning of dialing “911.” Americans often take for granted the daily survival skills that foreigners must relearn when they arrive in the United States.

    American English “Sports-speak”

    Understanding American English is one of the first challenges foreigners--even native English speakers--encounter in the U.S. corporate culture. American business conversation is riddled with clich?s, slang, regionalisms, and sports expressions that are not understood by non-Americans. “Sports-speak” is woven into business conversations constantly in the United States with references to American f

    School Binders
    Whether you are a teacher or parent, you want your students or children to organize their creations in one place, where browsing through them is easy and they are preserved. Well, then you are definitely looking for a School Binder. They have vibrant colors to attract the fancy of any young mind, working at the peak of its creativity. School Binders are lightweight and have an easy-grip construction so that children can handle them with ease.Put in documents, scrapbook collections, photographs or just about anything you like, School Binder will accept it with equal grace and add a new dimension to it. They provide a unique design with ease of operation. They have an easy-grip cover that serves for a stable writing surface when it is opened out flat.The School Binders have pocket portfolios in the front and back. This saves ring space and storage space. Thus, loose material can be easily stored in the binders. They are usually made of the durable poly material in assorted translucent colors, and contrasting inside and outside colors that makes them attractive as well as versatile. School Binders are highly archival-safe binders. They mostly utilize a one-inch round ring metal with dual opening and closing triggers.School Binders are a great idea to organize your child's day. They can be used anywhere, be it school or home. They are so versatile that they are one of the few things that are as popular in the jun
    alled the many frustrations they encountered in taking care of basic living needs--opening a bank account, connecting utilities, choosing a long-distance company, haggling over the price of a car, or buying home and auto insurance. The marketing manager of a British-based international hotel chain moved from London, England, to the American headquarters in Atlanta, GA, only to discover that she did not know how to dial long distance within the United States. Neither did she know the meaning of dialing “911.” Americans often take for granted the daily survival skills that foreigners must relearn when they arrive in the United States.

    American English “Sports-speak”

    Understanding American English is one of the first challenges foreigners--even native English speakers--encounter in the U.S. corporate culture. American business conversation is riddled with clich?s, slang, regionalisms, and sports expressions that are not understood by non-Americans. “Sports-speak” is woven into business conversations constantly in the United States with references to American football, baseball, and basketball. Expressions such as “slam dunk,” “homerun,” “Monday morning quarterback,” “end run,” “curveball,” “full court press,” and “stepping up to the plate” only serve to confuse foreigners. Many Americans are oblivious to the fact that baseball and American football are not played in Europe and other parts of the world.

    Acronym Soup

    The language of U.S. human resource departments is equally foreign. Most international professionals come to the United States with no knowledge of managed health care or U.S. tax and discrimination law--complex issues that Americans barely understand. It is no wonder then that non-Americans consider these employee policies and plans a “nightmare” and glaze over when they read their HR manual of acronyms and alphabet soup: PPO, HMO, ADA, EEOC, FLMA, and 401K. Translation please?

    Said one foreign executive, “You are screened by a nurse, and then you spend 30 seconds to two minutes with a doctor. You are reimbursed and talk to computers. All these plans, long-term and short-term disability, are extremely complex.”

    Rather than proactively taking the time to explain these bureaucratic plans and policies to foreigners, most HR managers simply react and respond to questions. What HR managers do not understand is that non-Americans have no knowledge base on which they can even begin to formulate intelligent questions. Human resources must instead begin at the beginning.

    The American Spirit at Work

    Most foreigners first come to know America through its media--movies, music, magazines, TV sitcoms, and theme parks. Americans are projected as fun loving, risk-taking rugged individuals who “get to the point” and “tell it like it is.” Pick up most any book about American culture and you will read about the legendary open, honest, and direct communication style of Americans. And so it seems that the bold and brazen American is, indeed, alive and well when socializing or selling. But foreigners paint a different picture of the American at work. It is not John Wayne or Indiana Jones who they encounter behind the corporate cubicle--it is Dilbert.

    According to the research, foreigners observe that there is little evidence of those cherished American values of equality and freedom of speech in the workplace, especially in big corporations. The single, greatest discomfort that foreigners report in the U.S. workplace is reconciling the perception of business informality (“I’m your CEO but just call me Bob;” “business casual is what we wear here”) and the reality of corporate hierarchy and extreme deference to rank and titles.

    “People worry about political correctness all the time to the point where they won’t say anything in a meeting because their boss is in there,” said a British manager who has worked in the United States for seven years. A Dutch marketing manager agreed, “In Europe, if you have a good idea, you bring it to the table. In the United States, until the boss puts it on the radar screen, it’s not as important.”

    A German manager says, “Here, I have to package my opinions very nicely.” Foreigners also are surprised at how Americans avoid face-to-face conflict at work. Said one German who has worked in the United States for five years, “Everyone is hiding behind policy and not getting out from behind their walls.”

    A Finnish distributorship president speculated that Americans avoid direct conflict because of the litigious society they live in. “This is a big difference between America and the rest of the world. People put things in writing here if there is some conflict or misunderstanding. Frivolous lawsuits don’t exist in the rest of the world.”

    The lack of job security and an adequate “safety net” for unemployment is another reason given.

    Conquering Corporate Culture Shock

    If global companies would take the following four actions, they would help to ease the transition of foreigners into the U.S. workplace and greatly enhance their productivity.

    1. Provide community orientation and logistical support beyond finding housing and schools. Help the transferees acquire basic survival skills and social ties with their community.
    2. Take the time to explain employee benefits, policies, and laws. Do not assume foreigners understand th

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