The Future of Commercial Real Estate

Although serious supply-demand imbalances have continued to plague real estate markets into the 2000s in many areas, the mobility of capital in current sophisticated financial markets is encouraging to real estate developers. The loss of tax-shelter markets drained a significant amount of capital from real estate and, in the short run, had a devastating effect on segments of the industry. However, most experts agree that many of those driven from real estate development and the real estate finance business were unprepared and ill-suited as investors. In the long run, a return to real estate development that is grounded in the basics of economics, real demand, and real profits will benefit the industry.

Syndicated ownership of real estate was introduced in the early 2000s. Because many early investors were hurt by collapsed markets or by tax-law changes, the concept of syndication is currently being applied to more economically sound cash flow-return real estate. This return to sound economic practices will help ensure the continued growth of syndication. Real estate investment trusts (REITs), which suffered heavily in the real estate recession of the mid-1980s, have recently reappeared as an efficient vehicle for public ownership of real estate. REITs can own and operate real estate efficiently and raise equity for its purchase. The shares are more easily traded than are shares of other syndication partnerships. Thus, the REIT is likely to provide a good vehicle to satisfy the public’s desire to own real estate.

A final review of the factors that led to the problems of the 2000s is essential to understanding the opportunities that will arise in the 2000s. Real estate cycles are fundamental forces in the industry. The oversupply that exists in most product types tends to constrain development of new products, but it creates opportunities for the commercial banker.

The decade of the 2000s witnessed a boom cycle in real estate. The natural flow of the real estate cycle wherein demand exceeded supply prevailed during the 1980s and early 2000s. At that time office vacancy rates in most major markets were below 5 percent. Faced with real demand for office space and other types of income property, the development community simultaneously experienced an explosion of available capital. During the early years of the Reagan administration, deregulation of financial institutions increased the supply availability of funds, and thrifts added their funds to an already growing cadre of lenders. At the same time, the Economic Recovery and Tax Act of 1981 (ERTA) gave investors increased tax “write-off” through accelerated depreciation, reduced capital gains taxes to 20 percent, and allowed other income to be sheltered with real estate “losses.” In short, more equity and debt funding was available for real estate investment than ever before. Calgary real estate

Even after tax reform eliminated many tax incentives in 1986 and the subsequent loss of some equity funds for real estate, two factors maintained real estate development. The trend in the 2000s was toward the development of the significant, or “trophy,” real estate projects. Office buildings in excess of one million square feet and hotels costing hundreds of millions of dollars became popular. Conceived and begun before the passage of tax reform, these huge projects were completed in the late 1990s. The second factor was the continued availability of funding for construction and development. Even with the debacle in Texas, lenders in New England continued to fund new projects. After the collapse in New England and the continued downward spiral in Texas, lenders in the mid-Atlantic region continued to lend for new construction. After regulation allowed out-of-state banking consolidations, the mergers and acquisitions of commercial banks created pressure in targeted regions. These growth surges contributed to the continuation of large-scale commercial mortgage lenders [] going beyond the time when an examination of the real estate cycle would have suggested a slowdown. The capital explosion of the 2000s for real estate is a capital implosion for the 2000s. The thrift industry no longer has funds available for commercial real estate. The major life insurance company lenders are struggling with mounting real estate. In related losses, while most commercial banks attempt to reduce their real estate exposure after two years of building loss reserves and taking write-downs and charge-offs. Therefore the excessive allocation of debt available in the 2000s is unlikely to create oversupply in the 2000s

Used Auto Parts For Better Savings

If you are one of those who own a vehicle then undoubtedly at some point of time you will come across a situation when you would be required to purchase auto parts for your car. Now buying new automobile parts can sometimes be an expensive option. As a result, purchasing used auto equipments can be the next and ideal alternative to overcome from expensive option.

There are times when a used automobile part can be just as good as a new one, especially when your vehicle needs some type of repair or when your auto equipments store owner states you that it might take a week or days before they get the special order to come in. Besides this, many times a large and new parts like motor radiator support or hummer steel wheels cost very high. The price mark up on such new parts can be shocking and in this day and time, most simply cannot afford. Thus in all such cases, used auto parts can be a more beneficial and actually plays a vital role.

Few years ago there was a scenario when no one would have ever thought of purchasing a used auto parts to repair a vehicle. But at present, the circumstances have changed and as a result the value of used and affordable auto parts has increased dramatically. The concept has gained its worldwide acceptance and these days everyone is looking to be familiar with used automobile equipments. used auto parts

There are several factors that have played a major role in change of this perception. Some of the most prime factors are-


  • Price Saving– Generally purchasing used auto equipment instead of new one allows you to save money by about 40 to 55 percent on average. This is the prime factor why these days many people are choosing to purchase used automobile parts rather than pay expensive prices for new parts.
  • Time Saving– Purchasing used parts can also save your time. Generally when you go for a new car part you sometimes come across a situation where you are unable to find a new part in the market. But buying used car parts provide you with even wider selection from which you can pick the right part that meets the functionality and quality requirement without wasting any time.
  • Environment Saving– By purchasing used auto equipments you also help in saving environment from pollution. When you purchase used automobile equipments, either from a salvage yard or re-manufactured from an auto parts store, you actually help keeping materials out of landfills. This simple process plays a vital role in conserving natural resources and minimizing the demand on scarce landfill space.
  • Resource Saving– Buying affordable truck parts also helps in saving different resources that are generally required to create more new truck equipments. It helps in saving materials that would be used and cut the amount of fuel such as electricity needed to manufacture new parts.


Illuminati Card Game

Below is a variety of different illuminati card games that are in print.

Illuminati: Deluxe

Illuminati Deluxe is the classic card game brought to you by Steve Jackson. The object of the game is to take over the world by controlling illuminati societies such as, but not limited to: The Bavarian Illuminati, The Discordian Society, The UFOs, The Servants of Cthulu, The Bermuda Triangle, The Society of Assassins, The Network and The Gnomes of Zurich; keep in mind, some societies will only be available by purchasing separate expansion packs or stand-alone games.

As for gameplay, in Illuminati Deluxe players will trade, form alliances, and backstab each other in order to gain control of a world represented a group of cards such as: Secret Masters of Fandom, CIA, International Communist, etc. In order to win, players must complete the aim of the game; for example, building a power structure consisting of a given number of cards, or controlling at one card of each alignment; though, there are many other ways to win.

Illuminati: Crime Lords

Illuminati: Crime Lords is a stand-alone expansion brought to by Steve Jackson; in it, rival mobs compete with each other over control of the city in ruin. When starting out, you’ll control a few gangsters; however, with ambition you’ll be able to take over the entire world.

To do this, take control over bordellos, chop shops, and racketeering schemes to earn income. But don’t let the Feds or the police stop you. The game supports a total of 2-8 players that directly compete with each other in order to take control of the world.

As for the rules, there are none: players can cheat, steal, and do whatever it takes to the win the game. Think you have what it takes? Form alliances, break them, and win. การเล่นบาคาร่า

Illuminati: Mutual Assured Distraction

Illuminati: Mutual Assured Distraction is an expansion pack brought to you by Steve Jackson. In this version, you’re given a set of cards to help you, once again, take control over the world.

With this set of cards, you’ll have new tactics at your disposal; for example, use the media to propagate headlines that read about health care form and a collapsing financial system to control a docile population with fear.

Furthermore, this game set introduces “New World Cards” to your collection, which means that your cards will now affect all players and not just the one who put it down.

Illuminati: Bavarian Fire Drill

Illuminati: Bavarian Fire Drill is an expansion pack brought to you by Steve Jackson; in it, your goal is to take over the world using a variety of new cards that players have never seen before.

To win, players must control new groups like bloggers, reality television shows, and Intelligent Design. But beware; players will have new opponents to look out for such as the bird flu and bobble heads.

The expansion pack introduces a new type of card: artifacts. Some of which are magical, rendering their owners new abilities, while others are just technological. Either way, however, players will have new powers that they can use to take over the world. With cards like Hitler’s brain, the Spear of Longinus, and the Screaming Meme, player’s can cheat, steal, and do anything in their powers to wind.

Boosting Your Job Boards for Graduate Jobs Seekers

Marketing job boards allow you to be able to see many different positions that are open and available all in one place. You will be able to see job openings in the fields that you are qualified to work in. You will be able to choose from these many postings the ones that are the most interesting to you.

With marketing Job Boards the positions that a human resources recruitment service has listed with them will be displayed for their clients to view. Their clients will see the jobs that are available, the amount of money the position pays, and the other interesting perks the position may, or may not, have to offer. All of this information will be gathered in one place for convenience to the individual that is looking for work. remot jobs

Marketing job boards that are posted by HR recruitment services will be available online. The people that use the site that the marketing job boards are posted on will be able to see these listings twenty four hours a day. There are a lot of people who are looking for work that currently have jobs. For these individuals the convenience of being able to see what is available twenty four hours a day is priceless. They can look to see what new jobs are opening up and they do not have to miss any time at the job they already have in order to do this.

A large number of people would love to travel and experience other cultures, see the sites in other parts of the world, and sample life to its fullest. In order to do these things many people take positions in the cities they want to explore? This allows them the time for the cultural experience they crave and the ability to afford this type of travel and lifestyle. These job announcement postings online allow them to see if there are any openings in a city where they wish to work.

Sometimes when a company comes to a recruitment service to list their positions the agents that work for the service will check all of their possible clients that might qualify for the position, and still come up with no suggestions. When this occurs they post the openings in the hopes that someone that is qualified and interested will see them and respond to them.

You can check these items as frequently as you wish, but it is recommended that you check them more than once a week looking for new additions to the list. You do not want to miss out on your dream job because you did not check the posting board for new announcements often enough.

A company can also look at the marketing job boards to see if the offers they are making to their prospects compare well with the offers that other companies are making for the same positions. It may be that your corporation needs to rethink what they offer in their benefits package or on their pay scale in order to attract more qualified personnel.


Guides on How to Win at Online Casino

Online casino guide are prohibited in some areas in the world since they fetch maximum revenues being exported to foreign nationals. For example in the Prince Edward Island the online casino’s are not to be expanded as ordered by the government since they take away $50,000 annually. This could ruin the economy of the country hence playing online casino guide for leisure purposes are to be avoided and other leisure activities such as gardening, cooking etc have to be made as a habit.

Casinos in Canada and UK

In Canada, in the state of Nova Scotia, playing casinos online are prohibited though it is the best loved entertainment in the state. But in UK thankfully some of the registered sites are allowed to play the online casino guide.

Worldwide Video Slots

Video slots are played almost by every body around the world. There is no country which is not playing online casino guide. Hence online casino is made in all the languages. Most of the sites have English, Spanish, German, Dutch, Portuguese, Chinese, Greek, Italian, French languages.

Some of the websites are being included more casino guide. For example a company named as micro programming has included new games to their existing websites with a tool called as Quick Fire.

Casinos in India

In India these casino guide are played by upper class people only. Other people are not sure about the gaming laws and consider it as an offence. But with the advent of the online casino awareness is being created among the internet users. sexygaming

Now-a-days almost all the youngsters play this type of games. In very big shopping malls a separate area is there for playing online casino guide as a part of entertainment. They are not casinos but a kind of entertainment centre where people relax after the shopping is done.

These are not only good entertainment but also a good stress releaser. One or two game of casino would refresh the tired mind and helps us to regenerate the life. Hence playing casinos is really good but only for the limited times.

One of the biggest gambling groups in Sweden is the Net Entertainment which has branded their online casino guide. They also would emerge as a new competitor to the gambling designing software industry. Playtech and Cahrtwell are some of the reputed gaming software companies based in Sweden. The Net Entertainment has made a big deal and partnering with the NBC Universal Media

How Do You Define Customer Service?

“We provide excellent customer service.”

Have you ever heard that phrase? Perhaps you’ve said it yourself and yet just how often do we really provide great service to our customers?

What is customer service, anyway?

The Encyclopedia Britannica says “Customer service involves an array of activities to keep existing customers satisfied.”

Wow. That’s vague. And who defines what will satisfy a customer?

The Synonym Finder by J.I. Rodale offers these alternative words for service: assistance, help, aid, abetment, good turn, favor, a hand, a leg up, benefit, contribution; boost, promotion, advancement, furtherance, advocacy, recommendation, support and backing.

We can sink our teeth into those words, but we are still sitting in a room alone, or with our team members defining what great customer service looks like without the benefit of the customer’s suggestions. How can we provide great customer service or “keep existing customers satisfied” without input from our customers?

So the first step to providing great customer service is to define just what it looks and feels like. A great place to start is by asking your best customers:

What keeps you coming back?
What experiences do we provide that mean the most to you?
What is the most important component of great customer service for you?

The customer may or may not be able to define exactly what your customer service components are but the conversation will have two important results:

1. The customer will feel valued because you asked their opinion, listened to what they had to say and plan to use some, if not all, of their suggestions.

2. By listening between the lines, you can begin to understand just what is truly important to your customer.

When my teenage son was young he and I would spent a week each summer camping. Sometimes we’d tent camp and sometimes we’d visit a campground with cabins. His attention span was short and so I would plan great activities for our week; visiting a local children’s museum, a day at the amusement park, hayrides, hikes in the woods and trips down the river in a canoe. Each day was carefully planned with play time and adventure time. The activities were fun but also costly and a cheap vacation in a tent would often cost as much as if we’d stayed in a hotel.

One summer, as we drove home from our fun-packed week, I asked my then five year old son what his favorite time had been. We’d visited Santa’s Village and I fully expected him to pick the amusement park as his favorite experience.

“Remember that day we sat at the picnic table and colored in the Spiderman book?” he asked.

“Yes,” I said.



“That was my favorite.”

Who knew? We can guess what our customer thinks is the most important element of service but unless we ask them, we really are only guessing. If we base our customer service measurements against a guess – then how can we be sure we’ve truly satisfied our customers?

So how do we go about defining the customer experience for our business?

A lot depends on the type of business. If you are an online business, your service will be based on how easy it is to navigate your website, walking the fine line between clutter and content and ensuring your words speak the customer’s language.

A service business may be more defined by accessibility. How easy is it to actually get a hold of you? Do you answer your phone or return calls quickly. Do you have email and respond within a few hours? Are you willing to meet the customer in their office? Do you follow through in a timely manner? Do you keep your promises? פלטפורמה לשירות לקוחות

A call center will rely heavily on the attitude and tone of voice of the call center employee. Can you hear the smile in their voice? Do they over use the “hold” button? Are they trained to resolve issues or will the customers have to repeat their story many times up the management ladder?

A brick and mortar business has additional opportunities to provide service starting with the parking lot; is it clean and does it offer plenty of parking spaces? Is the customer greeted warmly and promptly? Is your staff knowledgeable, helpful and available without hovering? Is there an adequate selection? Is the store merchandised in a pleasing manner? Have you dusted, vacuumed and emptied the visible trash cans? If cleanliness is important to your customer, seeing an employee’s half eaten lunch at the cash register could be a make or break moment for your customer.

Employees are another great resource for defining customer service.

Who better to help define service than the people that interact with customers everyday? Ask your employees what they hear customers tell them. If customers comment about the great magazine selection in your waiting room then keep them current. If customers comment on the fact that you provide coffee or ice water then perhaps that is something to continue.

By including your employees in the definition process, they are taking ownership of making sure it continues going forward.


Playing Slots

Slot machines in recent times have become one of the most popular attractions in casinos. The conventional slot machines are now replaced by modern computer technology, and this has resulted into many variations in the slot concept. An increasing number of people are becoming attracted to playing slots, and there are few tips every beginner should consider.

It is advisable to join a casino players club, as this furnishes the gamer with a player’s card. The player’s card fetches points to the gamer every time he plays. These points add up to casino comps such as discounts, meals, and tickets. xo slot

It is necessary for gamers to determine how much money they are willing to spend and still feel comfortable if they lose it all. Beginners can start with playing quarter slots, which offer a low investment and a chance of high returns. If money is not a big issue, there is no harm in going with dollar slots. New gamers can also begin with simple ‘3-reel, 1-pay’ line machines, instead of all those gimmicky ‘extra-spin’ and ‘multiple-pay-line’ machines.

If a gamer is interested in huge jackpots, progressive slots are recommended. However, one thing to remember is that progressive slots often pay less than straight slots. Thus, it is advisable to choose the slots wisely. Checking the pay schedule prior to playing will always be beneficial. Losses can be insured by looking for the best payout for smaller wins, while still offering a good jackpot payout. Furthermore, a one-coin bet can give the gamer small and frequent wins over max bets. On the other hand, although max bets pay out less frequently, they are larger and offer the payouts of jackpots.

Besides, gamers should play with money from there own bankroll instead of the credit meter. This allows the gamer to spend more time on the machines, and more importantly, though he loses all the cash, he will have the credits, which he can, cash and not go home empty handed. Gamers are advised to move to other machines if they are not winning on a particular machine. On the other hand, if he has doubled his money, it is sound to leave, as it is better to leave when one is ahead. Playing slot machines is mainly an entertainment and can be more fun if played with more sporting spirit.


Ways to Backup iPhone to Computer

It is now more than five years since the iPhone revolutionized the mobile phone and the way in which we communicate. A lot has changed since then; however, the fundamental limitations imposed by Apple against transfer of iPhone data to computer remain. This article examines ways to backup iPhone to computer which circumvent Apple’s restrictions.

Backup iPhone contacts to PC:

With the arrival of the iCloud, it is easier than ever to transfer one’s iPhone contacts between multiple devices in storing iPhone contacts on Apple’s servers. But what if you are looking to create a safe offline backup of your contact list stored away from third-party company servers? How to backup iPhone contacts directly to your PC?

Well, the answer is not that simple at first since there are dozens, if not hundreds, of apps which promise to do some sort of iPhone contact import, export, transfer, or backup. You can use iTunes and sync iPhone contacts to your Windows Contacts. This, however, requires syncing your iPhone with iTunes. If your iTunes library was not previously synced with your iPhone, you run the risk of your iPhone music being wiped away by iTunes.

Very recently, I found several 3rd party programs which offer to manage your iPhone contacts and, among other features, can help you transfer and backup iPhone contacts to another location such as a new iPhone or directly to a folder on your PC.

Here is a quick overview of the first program in action called CopyTrans Contacts.

This program requires you to have a Windows PC, if you are using a Mac or do not wish to use a computer as an intermediary to backup your iPhone data, scroll further below. Connect your iPhone to your PC after which your contacts will show up. unlock iphone

You only need to select your iPhone contacts from the program window and drag/drop them to a folder on your computer. Your iPhone contacts will transfer in the form of a *.vcf files within that folder. You can later use these files and restore them to your iPhone, should you need to or even to another iPhone.

More information about this program from the developer’s website:

Learning Spanish – A Global View of Learning to Speak Spanish

In the United States, English has been the primary language, and at some point of its records, immigrants coming to the United States confirmed their eagerness to assimilate into the country by learning to speak English well. In fact, some early immigrants refused to allow their American-born youngsters to talk some thing within the domestic besides English. It became considered a count number of pleasure to illustrate belonging to the usa by adopting English as the family language. But it’s miles simplistic to mention that every one Americans believed that getting to know other languages changed into unimportant. In reality, properly-knowledgeable Americans for lots generations have emerge as bi-lingual. In the early years of the country, cultural ties to Europe remained strong, so as younger Americans reached excessive school age, they had been taught Latin, and anticipated to additionally observe at least one of the classical Romance languages, such as French, Italian, and Spanish. Frequently German was covered as an choice.

In recent decades, as the sector has end up more and more a worldwide society because of technological advances, English has frequently come to be the desired language of business. But, many, many Americans additionally select to take a look at Spanish for one simple reason. Mexico and South America border the United States for a very long distance, and it’s miles a truth that the USA and Mexico do commercial enterprise and discuss political problems on a normal, if now not each day foundation. With so much interaction, speaking Spanish has come to be a valued ability in lots of areas of the Southwestern United States. For many, many years, migrant farm workers from Mexico might tour far into the Northern states, such as Minnesota and Illinois to paintings. And Latinos from all over Central and South America got here to settle in Miami and different bustling towns in the South. In fact, the Spanish talking population is one of the quickest developing inside the United States, and Spanish communities are observed throughout the USA. click for more

For English speakers, Spanish is a superb 2d language to examine. The two languages proportion nearly the equal alphabet, even though the pronunciation differs. They also share a good deal of the same vocabulary, so the challenge of memorizing essential key words isn’t as extraordinary as it might be if the alphabet and vocabulary had been definitely different.

Taking a look at the worldwide commercial enterprise network prompts many Americans who anticipate extended business opportunities in Mexico, Central and South America to learn the way to talk Spanish fluently. Also, increasing numbers of health care enterprise companies are using Spanish-speaking workers. It is also actual that increasing numbers of American doctors and paramedics are travelling to Spanish speaking nations to offer charity subsidized medical take care of the indigent and poverty . There is an absolute consciousness that every one contributors of the world need to learn to assist every other, to paintings with every different, and to appearance to the future with each different. Communication is the important thing. And, for lots inside the Western Hemisphere, Spanish is the rising language wished.

Find the Right Health Care For You and Your Family

Most people prefer home fitness therapy over convalescent home care due to the benefits of the former to the latter. Many clinics and hospitals are unoccupied; Following negative scientific attention closer to sufferers. The result causes a possible deterioration in the patient’s health. Fortunately, home fitness therapy may end up saving you from having it happen.

Home health services allow someone to enter comfortably and protect their personal location. Family donors can act as caregivers or a professional doctor can be hired along with a nurse or caregiver. Customized treatments that include wound dressings, blood tests and insulin injections for diabetics may be simple through home fitness treatment. Home fitness care is also less expensive compared to health center care. A person no longer has to pay for a medical institution room at a high price. He also will not have to deal with sanatorium meals. In the comfort of his personal area, someone has the advantage of being with his loved ones
Normal while in medicine. visit:-

Family participants are safe and protected in their precious home protection. Friends and loved ones can also visit whenever they want without worrying about tour hours or so. A man or woman receiving home fitness care are also positive to be properly nourished and nicely sorted. He can be released and get the medicine at the same time. For example, a diabetic character can watch his favorite TV show while being injected with insulin. He may not be allowed to try this in a hospital where he may lose interest completely and not productively. And similarly, a person tormented by a prolonged illness is able to relax at home; Together with his family doctor acting because the primary doctor.

However, no matter the many benefits offered by home health services, the positive and negative aspects of this arrangement should be taken into account. For example, home health services may also lack clinical equipment and centers needed by a patient. Emergency conditions will be difficult to deal with at home as well. And if there are many people or children in the household, the man or woman receiving care may experience very little privacy.

It may be a time when family members caring for their sick loved one are found tired and burned. Some family members, especially children, may fear that a man or woman is dying at home. In those styles of cases, clinic care is essential. Medical care and special facilities are without delay in hospitals.