Monthly Archive for January, 2012

Can Small Companies Still Survive in 2011 ?

Published on January 31, 2012 in Uncategorized. 0 Comments

Committee meetings and committees in American businesses. Many people and workers find them a waste of time. Others will shine with pride either at being included in a acronym named group thinking either they are being given an honor , its time off and way from their job or that they just ‘meeting people’ ( that is a type of person who just loves or thrives on these meetings).

The basic concept and that philosophy being the concept of group meetings is that it brings together different as well as disparate skills to honed together solutions that one person would never be able to come to with limited expertise.

Is that so many ask. In many organizations committees function often to limit responsibility of any action. Decisions are often drawn out and when they finally arrive are watered down. Worse yet no one seem to take responsibility when the planned action fails or results do or don not come to fruition.

It’s often with committee produced decisions that the recommendations are more of the result of compromise between the individuals who sit on its membership and the egos involved. It is as if not having conflict on the board rather than the end results matter. On top of that If the planned series of steps recommended ( which more often than not are watered down in end result) result in positive results you can bet that there will be no shortage of individuals who sit on that committee to take great personal responsibility for those actions and recommendations. Whole careers have been built upon taking major credit for positive management and production results of group committee decisions. You have to remember as a tenet that only those members of that group can actually attest to events that occurred on site and no one else. Who is there to dispute the self promoting charges of these self seeking and marketing promoters? On top of that not only are the committee members scattered across the organization , corporation or government department – most being also promoted to greater duties and responsibilities as a result of the successful group decision. Some may even have propelled their careers to promotions to outside organizations as a result of success, either inside or outside the initial industry. Hence no one in terms of logistics and practical logistics will ever be able to refute self serving claims of those wanted to take credit for great and positive results as a result of changes instituted from, and recommendations implemented from committees they sat on.

Yet consider the benefits of committee structure if the reverse occurs. If a committee recommendation results in negative results or is unpopular no one who sits on the acronym named group ever has to or in practical terms has to take responsibility at all.

Who made that recommendation new upper management or stockholders may ask. The answer is invariably “Committee ABCDREDFOX3” and that is the most direct answer that can be had. No one is held responsible or held to task. It was the “Committee”.

At the very worst responsibility is diluted equally (thus reduced) among the full number of participants in this decisions or series of decisions. It’s a similar decision to asking who made the decision to carry off a number of civilians during World War 2. The committee did it and no one is or can be held individually responsible.

This is the beauty of why smaller , more nimble organizations and businesses in 2011 can both react , take on and even overcome competition and potential competition from large companies and organizations who they feel threaten them , their chosen niche markets and indeed their businesses and organizations. While the larger, even multinational organizations have more resources, cash and power than smaller ones they are not nimble in action or effect. They cannot react quickly or decisively. This is why the “small guy” especially one empowered with modern communication tools, computer software programs and services as well as developed systems can still keep their place and indeed flourish in 2011. As a small or even one man person company , service or organization you can do well and even prosper in coming economic times.

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How to Deal With Capital Inflows in Emerging Markets

Published on January 31, 2012 in Uncategorized. 0 Comments

For decades, flows to emerging market economies such as the flood of capital from the big, big drop, and so the cycle. Last year, the day the amount of capital, equity investment funds and fixed income investment funds poured into emerging markets again, creating another wave of orgasm because investors believe that these countries have strong macroeconomic policies and financial fundamentals.

Part of this wave of capital inflows driven by short-term cyclical factors (such as interest rate differentials, another example of slow economic growth in developed economies zero interest rate policy, and more quantitative easing, reducing the capital in the profit opportunities in these countries) However, the long-term factors behind can not be ignored, including: emerging markets relative to developed economies have a long-term growth advantage, investors, funds distributed to overseas markets will be more intense, as well as investors in emerging market currencies is expected to name and long-run real exchange rate appreciation.

Therefore, the emerging market is the most severe test of the policy is how to deal with capital inflows – the consequences will inevitably drive the currency appreciation, and a threat to its export-led economic growth.

The first approach is to let it go and let their currencies appreciate. If the capital inflows and exchange rate appreciation driven from the fundamentals (current account surplus, the currency is undervalued, both large and sustained growth in the gap), then perhaps this move is the right choice.

But many times the capital inflow is driven by short-term factors, herd behavior and irrational exuberance, which causes the currency was overvalued, non-traditional export-oriented industries or import-competing industries were diverted to the loss of export competitiveness and, ultimately, large-scale The current account deficit, so that economic growth was more external conditions.

If you allow freedom of appreciation of the currency is costly, then try the second option – Non-hedging foreign exchange intervention. This measure to offset the upward pressure on the very effective, but it will be counter-productive: it will make in the fast-growing emerging economies in serious overheating of the economy and fuel inflation, leading to excessive growth of credit, leading to the risk of asset bubbles.

The third way is to hedge-type intervention. Although this measure can avoid the trouble of money and credit growth, but maintaining a high interest rate differentials, and therefore encourage and carry trade-related capital inflows, but will exacerbate the problem go.

A fourth option is to strengthen controls on capital inflows (or relax controls on capital outflows.) Regardless of the existence of such control “loophole”, there is evidence that control short-term “hot money” inflows does not affect the overall size of capital inflows. Thus, the control measures for reducing the appreciation of the currency short-term cyclical pressure is not effective.

The fifth way is to tighten fiscal policy to reduce budget deficits, thus driving down interest rates, weakening the attraction of foreign capital. But more prudent fiscal policy is likely to improve their external payments position and the sovereign risk rating, so but may attract more capital inflows.

The sixth way is to put the financial system through prudential supervision to reduce the risk of credit and asset bubbles, this approach has been taken, especially in the local hedge-style intervention measures to curb the excessive appreciation of the currencies of countries in the applications. This regulation should aim to curb excessive credit growth (which is caused by exchange rate intervention in the consequences of money growth). Direct control on credit growth although necessary, but often flawed, and not much in practice, and binding.

One way is to take the last large-scale, large-scale hedge style and lasting interventions, that is, using sovereign wealth funds or other financial stability mechanisms to accumulate foreign assets, long-term capital inflows to offset the impact of domestic currency. Support this approach is based on long-term factor is an important driver of capital flows, that is, when the developed economies, investors find themselves investing in emerging market assets ratio is too low, they will reduce the investment portfolio ” home bias. ”

Hedging-style intervention usually does not work: If the developed economies and emerging market assets on both sides are fully interchangeable, then the interest rate differential between the two sides for how long, how long will capital inflows. However, the investor demand for emerging market assets is not unlimited, and they can not completely replace the assets of the developed economies – even if there is a specific difference in interest rates – because of two assets, liquidity and credit risk varies significantly.

This means that, at some point, large-scale, continuous hedge foreign exchange intervention (a few percentage points to GDP) will meet the market demand for emerging market assets, so that capital inflows stop, even if interest rate differentials still exist. Because hedge of foreign intervention in domestic assets will lead to release, so it can meet the needs of global investors to diversify investments while, it will not lead to excessive currency appreciation, thereby causing indirect harm to emerging markets.

Of course, we can not completely prevent currency appreciation. If you have the support of economic fundamentals, they should allow their currencies to gradually appreciate. However, if the appreciation of the power to free investors to diversify assets in developed economies due to capital inflows preferences, then they should be resisted.

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Rent Collection

Published on January 31, 2012 in Uncategorized. 0 Comments

Collecting Rent payments

Rental revenue is the lifeblood of the business of the landlord. If the elements are not put in place to deliver in the right amount at the precise time frame every single month, the business will certainly inevitably wither and shut off. Once effectively executed, this is actually what allows top notch real-estate investors to achieve a larger than median return on investment.

Collecting Rent

Exactly how is rent collectable?

It is a a great bonus if the actual management organization includes direct debit designed for tenants. Accepting a lower number of checks enhances cash flow as well as saves energy and money. This enables you to recognize as soon as possible in the event finances are not there as well as reduces lame excuses concerning checks damaged or lost in the mail.

Precisely how do they do business with bounced checks?

This is generally a warning indicator of trouble down the track, immediately after the 1st bounced check tenants will need to be banned from giving personal checks until such time as at the very least six months of good payment history appears to have been confirmed. Additionally, there must be a provision in the lease agreement forms that states that tenants are in agreement to pay back the greatest the particular law will allow with regard to all bounced checks.

Exactly how do they work with past due payouts?

Locate a property management business with a course of action that is firm yet reasonable. Tenants will begin paying more and more late in the event that the rental management business lets them, consequently it is critical they implement every aspect of the rental agreement contract. As soon as they discover a renter with a tendency of overdue payments, they will need to keep a close observation making certain they either get their act together or deal with the consequences. Don’t forget that a demanding collections process is only balanced out by the apartment manager speedily replying to the needs of the tenants with high quality service.

Just what is their current amount of delinquency?

Determine if they operate a stringent ship or permit things to get out of control.

When are rent payments expected? Is there any leeway, if so how long?

Due on the first day of the month (in hand not necessarily postmarked), past due on the next day of the calendar month is standard. A grace period that stretches to either the third or the sixth is also standard. Trying to keep it shorter helps prevent it from becoming considerably late in the occurrence of a holiday or long weekend.

How much is the late charge?

While late fees can produce revenue, their most important job is to get tenants back on track to on time payments as quickly as possible. This property management fee is commonly in between five and 10 % of rent, occasionally a modest daily fee is added to this as an motivator to catch up asap. In concept, the late fees are supposed to replicate the charges the owner would encounter in the case of a overdue mortgage payment.

Precisely how do they take care of evictions?

Their course of action should be well recorded, and although the most effective course of action may fluctuate based on the circumstances, they ought to be able to describe to you the fundamental checklist they go through each time. You want to deal with a company that works quickly, documents their actions, and understands your areas different laws for this procedure.

In the last 12 months, approximately how many evictions did they go through, out of how many residences being managed?

The larger the quantity, the less assurance you need to have in their verification process.

Just how easily do they normally get repossession of the property when an eviction comes about?

Time is money, and a intelligent renter with undesirable intentions can easily drag this course of action out for a very long time period. Find a manager who does a great job at containing and eradicating the issue as fast as possible.

Do they provide eviction insurance?

This is essentially a small month-to-month fee that insures that the management company will pay for all attorney and court expenses associated with evicting a renter they placed. It is not a widely offered service, but it is a valuable service that speaks to the property management firms confidence in their screening process.

Cash flow might be robust now, but rent will undoubtedly decrease over time if the property is not well taken care of.

Good luck with collecting your rents in full and on time.

Stirling Gardner consults for EZ Landlord Forms – your best online resource for a state specific free rental applications, residential lease, including rental forms.

Small Business Financing and Working Capital Loan Quiz

Published on January 31, 2012 in Uncategorized. 0 Comments

A brief series of pertinent small business financing questions and answers are provided below as a tool to illustrate why working capital loans and commercial mortgages have become so difficult to obtain. This is designed to serve as a good starting point for any small business borrower about to embark on efforts to secure commercial financing.

After they were given taxpayer funding by the financial bailout in 2008, are banks required to provide small business lending?

No, although it is a mystery to almost everyone (except for the bankers themselves) that there were not such conditions placed upon the banks when they were saved from financial collapse by taxpayer funds. Because the assets are considered to be what is known as fungible, the recipients can effectively do what they want with the money. This seems like a term invented just for such an occasion. As used for banking purposes it is not possible to say what happened to the money given to the banks because the monetary assets are interchangeable with other funds. Most banks saved from financial collapse now appear to be investing a significant portion in what most observers consider to be risky areas similar to what got them into trouble at the beginning of this crisis, and in any case there were no restrictive conditions which would require banks to provide any particular amount of commercial loans.

Are there really any good banks still standing? After the financial bailout, are banks still failing?

Yes seems to be an appropriate answer to both questions. Telling the difference between good and bad banks is unfortunately not an easy task for innocent bystanders. It should be apparent that there is still a lending crisis that was not resolved by the bailout because (among other objective indicators) there continue to be ongoing weekly reports from the Federal Deposit Insurance Corporation about bank failures. The rest of us can still draw our own conclusions even though bankers and politicians do not want to talk openly about this situation.

Do phantom business loans refer to commercial financing that lenders say is available but in fact is not?

Yes, and the term is influenced by technology firms when they talked about products often called phantom software when they were trying to discourage customers from purchasing a competitive product even though the company that made the announcement did not have such an item actually available. Because there were so many documented instances in which the phantom software never materialized beyond a press release, the practice was usually viewed as controversial. The world of small business lending has now apparently adopted this questionable public relations ploy.

While the preceding discussion was not intended to be a complete examination of small business loans, it was designed to reveal potential lending difficulties to small business owners before it is too late to take appropriate action. The brief business financing quiz shown above also illustrates several key issues to help explain the recent lack of adequate commercial real estate loans and working capital funding by banks to small businesses.

Stephen Bush has provided business financing expert advice to commercial borrowers for over 30 years and delivers small business finance services throughout the United States. Please visit the Commercial Mortgage Loans website for AEX Commercial Financing Group at http://aexcfgllc.com