The document discusses investment opportunities in real estate through JEDC, LLC. It notes that the current market presents opportunities for intelligent investors to buy property from motivated sellers at deep discounts. The business model involves using cash from investors to quickly buy discounted properties, creating a win-win scenario for sellers, investors, and the company. It evaluates potential investors and outlines sample deals, common questions, investment details, and next steps.
This document discusses real estate lending and how it has changed since 2007. It notes that lending guidelines are more strict, as not all highly qualified borrowers will be approved for loans. It provides an overview of the loan approval process and timeline. It highlights what sets the company apart in real estate lending, including relationships with lenders that offer certain programs and exceptions for investment properties. The goal is to help clients create, manage and protect wealth through real estate investments and comprehensive planning.
The Debt Coverage Ratio is very commonly used in real estate investment analysis where leverage is used. Loan, Debt, Debt Service, Financing, Leverage all mean receiving money with a repayment plan with the property or more as collateral. There are so many different ways to structure a loan that I won't begin to go through the different methods, but they all have a loan amount and debt service. The institution usually uses two methods to figure out how much to loan on a commercial real estate property. Loan to Value (LTV) and Debt Coverage Ratio (DCR), and usually picks the method that creates the lowest initial loan amount. The Loan to Value is based of a percentage of the purchase price. The Debt Coverage Ratio creates a ratio that represents how much net operating income there is to cover the debt created by all the loans on the property.
World Business Lenders offers business loans to clients with poor credit up to 300% of monthly revenue, secured by real estate collateral. They provide standard collateralized loans up to $2 million with terms up to 24 months, as well as interest-only loans up to $2 million with terms from 1 to 3 years. Michael Ruiz, a Financial Analyst at World Business Lenders, is looking for Independent Sales Offices to partner with to provide information on their lending products and services.
Robert Louis Capital is a commercial real estate mortgage banking firm with over 125 lending sources and decades of experience in assisting clients through the commercial lending process. They provide creative financing solutions and analysis for income-producing, investment, and owner-occupied commercial properties. Their expertise saves clients time and money while providing thoughtful debt options to propel growth.
How to fund your growth for 2015 ? Discover revenue-based financing Lighter Capital
What's your big idea for 2015?
For entrepreneurs, the beginning of a new year often involves a lot of planning for the next phase of your company's growth. Whatever your growth plan may be, taking your company to the next level requires investment, and investment generally means outside funding.
Join our upcoming webinar with Lighter Capital CEO BJ Lackland to learn about revenue based financing. Our funding is entrepreneur-friendly and will:
Get you access to capital fast
Not require any personal guarantees
Not dilute your equity
With Lighter Capital, you can get funded for 2015. Spend next year growing your business, not looking for ways to fund it!
Revenue Based Financing: Why it Works for Growing Technology Companies Lighter Capital
Get Your Growth Capital Beyond VCs, Angels and Banks.
In this webinar, BJ Lackland, CEO at Lighter Capital explains why revenue-based financing is a better funding option for growing technology companies. Watch and learn:
-What's Revenue Based Financing
-Who It's Designed For and How to Decide if it's For You
-How Does It Compares to Other Funding Options like Angels, VCs, and Banks
Revenue loans are an increasingly common way for businesses to fund their growth.
You might be wondering, from a legal perspective, how is a revenue loan different from a regular loan? How is it similar?
In this presentation, startup lawyer Joe Wallin explains what a Revenue Loan is, how it differs from traditional startup capital, and key terms of a revenue loan agreement.
This document discusses real estate lending and how it has changed since 2007. It notes that lending guidelines are more strict, as not all highly qualified borrowers will be approved for loans. It provides an overview of the loan approval process and timeline. It highlights what sets the company apart in real estate lending, including relationships with lenders that offer certain programs and exceptions for investment properties. The goal is to help clients create, manage and protect wealth through real estate investments and comprehensive planning.
The Debt Coverage Ratio is very commonly used in real estate investment analysis where leverage is used. Loan, Debt, Debt Service, Financing, Leverage all mean receiving money with a repayment plan with the property or more as collateral. There are so many different ways to structure a loan that I won't begin to go through the different methods, but they all have a loan amount and debt service. The institution usually uses two methods to figure out how much to loan on a commercial real estate property. Loan to Value (LTV) and Debt Coverage Ratio (DCR), and usually picks the method that creates the lowest initial loan amount. The Loan to Value is based of a percentage of the purchase price. The Debt Coverage Ratio creates a ratio that represents how much net operating income there is to cover the debt created by all the loans on the property.
World Business Lenders offers business loans to clients with poor credit up to 300% of monthly revenue, secured by real estate collateral. They provide standard collateralized loans up to $2 million with terms up to 24 months, as well as interest-only loans up to $2 million with terms from 1 to 3 years. Michael Ruiz, a Financial Analyst at World Business Lenders, is looking for Independent Sales Offices to partner with to provide information on their lending products and services.
Robert Louis Capital is a commercial real estate mortgage banking firm with over 125 lending sources and decades of experience in assisting clients through the commercial lending process. They provide creative financing solutions and analysis for income-producing, investment, and owner-occupied commercial properties. Their expertise saves clients time and money while providing thoughtful debt options to propel growth.
How to fund your growth for 2015 ? Discover revenue-based financing Lighter Capital
What's your big idea for 2015?
For entrepreneurs, the beginning of a new year often involves a lot of planning for the next phase of your company's growth. Whatever your growth plan may be, taking your company to the next level requires investment, and investment generally means outside funding.
Join our upcoming webinar with Lighter Capital CEO BJ Lackland to learn about revenue based financing. Our funding is entrepreneur-friendly and will:
Get you access to capital fast
Not require any personal guarantees
Not dilute your equity
With Lighter Capital, you can get funded for 2015. Spend next year growing your business, not looking for ways to fund it!
Revenue Based Financing: Why it Works for Growing Technology Companies Lighter Capital
Get Your Growth Capital Beyond VCs, Angels and Banks.
In this webinar, BJ Lackland, CEO at Lighter Capital explains why revenue-based financing is a better funding option for growing technology companies. Watch and learn:
-What's Revenue Based Financing
-Who It's Designed For and How to Decide if it's For You
-How Does It Compares to Other Funding Options like Angels, VCs, and Banks
Revenue loans are an increasingly common way for businesses to fund their growth.
You might be wondering, from a legal perspective, how is a revenue loan different from a regular loan? How is it similar?
In this presentation, startup lawyer Joe Wallin explains what a Revenue Loan is, how it differs from traditional startup capital, and key terms of a revenue loan agreement.
The SBA 504 program provides long-term, fixed-rate financing for major fixed assets, such as equipment and real estate. It requires only a 10% injection from the borrower, conserving working capital. The program enhances cash flow through low interest rates and maximizes financing amounts. It can help businesses expand and create jobs through 90% financing and inclusion of soft costs in the loan.
Revenue Based Financing Webinar- for Salesforce ISV'sLighter Capital
What's important for your next phase of growth? New key hires? Product development? Or marketing and sales initiative? Learn about the financing structure of Lighter Capital- an active capital provider for Salesforce ISV's.
In this exclusive webinar hosted for Salesforce ISV's, we will walk through:
1. What's revenue-based financing and how it works
2. Three case studies of our Salesforce ISV's clients
3. Q&A
The document discusses revenue royalty certificate (RRC) financing. [1] RRC allows firms to raise capital by having investors entitled to royalty payments based on the firm's revenue, similar to how Listerine, Sears, and Arby's have used it. [2] Benefits of RRC include little equity dilution, no required exit strategy, no reliance on valuation, and no need for director's guarantees. [3] RRC financing can be used for early stage funding, M&A, management buyouts/buyins, and business exits to facilitate funding for new purchasers.
Adam J Petriella is presenting an opportunity for investor participation in his commercial mortgage brokerage business, The Real Estate Finance Group. Commercial mortgage origination volumes are increasing and projected to continue rising through 2015, presenting an opportunity. However, hiring and stabilizing capable loan originators is challenging for commission-only sales organizations. The goal is to hire and develop 20 stabilized loan originators over 24 months. Offering draws and incentives could double the number of stabilized originators, growing profits faster. Petriella is requesting $250,000 in financing at 8% annual interest over 5 years to conservatively offer draws to top candidates and better position the company to take advantage of the growing commercial mortgage market.
Lighter Capital Live: Revenue-Based Financing (Session #1)Lighter Capital
On Thurs May 31st Lighter Capital, Carney Badley Spellman, and Actively Learn hosted the inaugural Lighter Capital Live session. This session covered the basics of revenue-based financing and then we had an active partner and client share their perspective of this financing model. More information on Lighter Capital can be found at www.lightercapital.com.
Adam J Petriella is presenting an opportunity for investor participation in his commercial real estate mortgage brokerage business. [1] Commercial mortgage origination volumes are increasing and projected to continue rising through 2015 as momentum builds. [2] Hiring and stabilizing loan originators is a challenge for commission-based organizations but offering draws and incentives could double the number of stabilized originators, growing the business faster. [3] Petriella is seeking $250,000 in financing to offer draws to candidates in order to hire and develop 20 stabilized originators over 24 months and take advantage of growing market opportunities.
This document discusses funding options for growing SaaS companies. It provides an overview of BJ Lackland and his experience financing early stage tech companies. It then summarizes Lighter Capital's financing model of revenue-based financing, which provides capital to companies in exchange for a percentage of monthly revenue over time. The presentation outlines various funding paths like venture capital, debt, and blended models. It compares features of different funding sources and provides tips for selecting a funding path and preparing for funding.
Back Bay Funding offers alternative loan programs that can help clients get approved for financing even when they have problems like lack of income, poor credit, or insufficient down payment that would prevent approval through traditional lending guidelines. They provide virtually every loan product available and tailor solutions to individual client needs and circumstances. Their programs can help clients with issues such as inadequate income shown on tax returns but adequate cash flow, poor returns from previous years hurting current deals, strategic defaults in the past, or having personal assets but no regular income. Real estate professionals are encouraged to contact Back Bay Funding or attend one of their online seminars to learn how their programs can help increase client quality and quantity.
This document discusses 15 ways for real estate investors to obtain business credit, loans, and lines of credit. It begins by providing background on real estate investing and how house flipping has increased in popularity. It then explains why traditional lenders may not provide funding for high-risk real estate deals and outlines alternative options for financing flipping projects including unsecured credit, cash flow lending, merchant cash advances, securities-based lines of credit, 401(k) financing, and house flipper financing. It stresses the importance of building business credit over time by starting with vendor and store credit cards and lines of credit. Government grants are also mentioned as a source of free funding for real estate projects.
L.R.E.I. Properties is a real estate investment company that offers a private money investor program. They buy distressed properties at discounts, rehabilitate them, and sell for profits. The program offers 10-12% annual returns on loans secured by real estate properties, with guaranteed principal and interest returned within 3-6 months. Investors benefit from high returns without fees or management responsibilities. The company aims to provide housing and invest capital while generating returns greater than traditional savings accounts.
Circulus is a crowdfunding platform that provides mezzanine financing (preferred equity) to commercial real estate developers and sponsors. It enables investors to partner with professionals on multifamily, retail, industrial, and other property deals. Circulus underwrites potential deals rigorously before offering them to accredited investors, who can purchase units in individual transactions or pools starting at $5,000. Mezzanine financing fills the gap between senior loans and equity in a property's capital stack, allowing deals to get done and offering investors higher returns than senior loans but less risk than equity positions.
Baker Hill Prosper 2017 - Lending Trends: Are You Current or Lagging?Baker Hill
The document summarizes a panel discussion on lending trends between representatives from Pinnacle Financial Partners, ESL Credit Union, and Bank of the Pacific. The panelists discussed their strategies for targeting millennial borrowers as wealth transfers to that generation. They also addressed how financial technology (Fintech) and alternative lending are changing customer expectations and industry processes. Panelists described steps their organizations are taking to improve lending processes through greater user engagement, data use, and technology that enables more collaborative workflows.
What loan funders look for in considering applications from potential CAT org...walescva
This document discusses securing loans for community asset transfers. It outlines why organizations may want to use loan finance, what loans can be used for, and what lenders look for in loan applications. Lenders want to ensure they can get repaid, so they assess risks using the "CAMPARI" method of evaluating a borrower's character, ability to repay, margins, purpose of the loan, amount of the loan, repayment sources, and any insurance like security. The document also reviews the pros and cons of loans, factors for organizations to consider, and the process that occurs after a loan is approved.
A10 Capital is a full service commercial mortgage lender that provides small to middle-market loans, particularly value-add/mini-perm loans up to 70% LTV for class A and B properties. It was founded in 2007 and is backed by $100 million from private equity firm H.I.G. Capital. A10 focuses on "core 4" property types and has originated nearly $175 million in new loans.
This document discusses the state of the residential-resort real estate market following the 2007 housing crisis. It notes that while the market has stabilized, challenges still remain for developers, lenders, and investors. Specifically, commercial credit for new resort development remains tight, and some overbuilt or remote areas continue to struggle. However, discretionary consumer spending and demand for resort ownership is rising again. It concludes that resort development represents a long-term opportunity if projects are carefully planned, integrated, and managed to minimize risks and maximize flexibility. Landmark Consultants is positioned to help navigate these complex projects due to their extensive experience and integrated approach.
This document provides information on a $25 million financing opportunity from Lordson Capital, a private company founded in 2011 that provides mortgage acquisition and refinancing services. It summarizes Lordson Capital's process of acquiring performing residential mortgages at a discount, servicing the loans for 60-360 days to refinance them at a higher rate, generating returns of 12% on acquisition and 15-30% on refinancing. It includes information on Lordson Capital's management team and board of directors, as well as a case study and cash flow diagram outlining the benefits to lenders and operations.
The document discusses factors that affect credit scores, including payment history, revolving debt ratio, average age of accounts, credit mix, and inquiries. It provides details on each factor and recommendations for improving credit scores, such as keeping balances low, paying bills on time, and maintaining a variety of credit account types over long periods of time. The overall message is that understanding how credit scores are calculated and managing accounts appropriately can help buyers qualify for the best mortgage rates.
The Fast 50 loan program provides cash for investment property purchases or refinances with a fast closing time of 5 business days. It requires a 50% or lower loan-to-value ratio but does not require tax returns, income statements, or a minimum credit score of 620. The program offers fixed-rate loans between $100,000 to $5 million that are amortized over 30 years with options for 3-year or 8-year fixed periods.
Battlecreek Equipment manufactures Thermophore moist heat therapy systems. The Thermophore was developed 80 years ago and uses moisture from the air to create deep, penetrating moist heat without needing additional moisture added. It comes in classic and one-touch models of different sizes. The classic has a momentary switch while the one-touch has a 20-minute automatic shutoff timer for safety. Thermophores provide a higher level of comfort and temporary pain relief compared to ordinary heating pads due to the deep, penetrating moist heat.
The SBA 504 program provides long-term, fixed-rate financing for major fixed assets, such as equipment and real estate. It requires only a 10% injection from the borrower, conserving working capital. The program enhances cash flow through low interest rates and maximizes financing amounts. It can help businesses expand and create jobs through 90% financing and inclusion of soft costs in the loan.
Revenue Based Financing Webinar- for Salesforce ISV'sLighter Capital
What's important for your next phase of growth? New key hires? Product development? Or marketing and sales initiative? Learn about the financing structure of Lighter Capital- an active capital provider for Salesforce ISV's.
In this exclusive webinar hosted for Salesforce ISV's, we will walk through:
1. What's revenue-based financing and how it works
2. Three case studies of our Salesforce ISV's clients
3. Q&A
The document discusses revenue royalty certificate (RRC) financing. [1] RRC allows firms to raise capital by having investors entitled to royalty payments based on the firm's revenue, similar to how Listerine, Sears, and Arby's have used it. [2] Benefits of RRC include little equity dilution, no required exit strategy, no reliance on valuation, and no need for director's guarantees. [3] RRC financing can be used for early stage funding, M&A, management buyouts/buyins, and business exits to facilitate funding for new purchasers.
Adam J Petriella is presenting an opportunity for investor participation in his commercial mortgage brokerage business, The Real Estate Finance Group. Commercial mortgage origination volumes are increasing and projected to continue rising through 2015, presenting an opportunity. However, hiring and stabilizing capable loan originators is challenging for commission-only sales organizations. The goal is to hire and develop 20 stabilized loan originators over 24 months. Offering draws and incentives could double the number of stabilized originators, growing profits faster. Petriella is requesting $250,000 in financing at 8% annual interest over 5 years to conservatively offer draws to top candidates and better position the company to take advantage of the growing commercial mortgage market.
Lighter Capital Live: Revenue-Based Financing (Session #1)Lighter Capital
On Thurs May 31st Lighter Capital, Carney Badley Spellman, and Actively Learn hosted the inaugural Lighter Capital Live session. This session covered the basics of revenue-based financing and then we had an active partner and client share their perspective of this financing model. More information on Lighter Capital can be found at www.lightercapital.com.
Adam J Petriella is presenting an opportunity for investor participation in his commercial real estate mortgage brokerage business. [1] Commercial mortgage origination volumes are increasing and projected to continue rising through 2015 as momentum builds. [2] Hiring and stabilizing loan originators is a challenge for commission-based organizations but offering draws and incentives could double the number of stabilized originators, growing the business faster. [3] Petriella is seeking $250,000 in financing to offer draws to candidates in order to hire and develop 20 stabilized originators over 24 months and take advantage of growing market opportunities.
This document discusses funding options for growing SaaS companies. It provides an overview of BJ Lackland and his experience financing early stage tech companies. It then summarizes Lighter Capital's financing model of revenue-based financing, which provides capital to companies in exchange for a percentage of monthly revenue over time. The presentation outlines various funding paths like venture capital, debt, and blended models. It compares features of different funding sources and provides tips for selecting a funding path and preparing for funding.
Back Bay Funding offers alternative loan programs that can help clients get approved for financing even when they have problems like lack of income, poor credit, or insufficient down payment that would prevent approval through traditional lending guidelines. They provide virtually every loan product available and tailor solutions to individual client needs and circumstances. Their programs can help clients with issues such as inadequate income shown on tax returns but adequate cash flow, poor returns from previous years hurting current deals, strategic defaults in the past, or having personal assets but no regular income. Real estate professionals are encouraged to contact Back Bay Funding or attend one of their online seminars to learn how their programs can help increase client quality and quantity.
This document discusses 15 ways for real estate investors to obtain business credit, loans, and lines of credit. It begins by providing background on real estate investing and how house flipping has increased in popularity. It then explains why traditional lenders may not provide funding for high-risk real estate deals and outlines alternative options for financing flipping projects including unsecured credit, cash flow lending, merchant cash advances, securities-based lines of credit, 401(k) financing, and house flipper financing. It stresses the importance of building business credit over time by starting with vendor and store credit cards and lines of credit. Government grants are also mentioned as a source of free funding for real estate projects.
L.R.E.I. Properties is a real estate investment company that offers a private money investor program. They buy distressed properties at discounts, rehabilitate them, and sell for profits. The program offers 10-12% annual returns on loans secured by real estate properties, with guaranteed principal and interest returned within 3-6 months. Investors benefit from high returns without fees or management responsibilities. The company aims to provide housing and invest capital while generating returns greater than traditional savings accounts.
Circulus is a crowdfunding platform that provides mezzanine financing (preferred equity) to commercial real estate developers and sponsors. It enables investors to partner with professionals on multifamily, retail, industrial, and other property deals. Circulus underwrites potential deals rigorously before offering them to accredited investors, who can purchase units in individual transactions or pools starting at $5,000. Mezzanine financing fills the gap between senior loans and equity in a property's capital stack, allowing deals to get done and offering investors higher returns than senior loans but less risk than equity positions.
Baker Hill Prosper 2017 - Lending Trends: Are You Current or Lagging?Baker Hill
The document summarizes a panel discussion on lending trends between representatives from Pinnacle Financial Partners, ESL Credit Union, and Bank of the Pacific. The panelists discussed their strategies for targeting millennial borrowers as wealth transfers to that generation. They also addressed how financial technology (Fintech) and alternative lending are changing customer expectations and industry processes. Panelists described steps their organizations are taking to improve lending processes through greater user engagement, data use, and technology that enables more collaborative workflows.
What loan funders look for in considering applications from potential CAT org...walescva
This document discusses securing loans for community asset transfers. It outlines why organizations may want to use loan finance, what loans can be used for, and what lenders look for in loan applications. Lenders want to ensure they can get repaid, so they assess risks using the "CAMPARI" method of evaluating a borrower's character, ability to repay, margins, purpose of the loan, amount of the loan, repayment sources, and any insurance like security. The document also reviews the pros and cons of loans, factors for organizations to consider, and the process that occurs after a loan is approved.
A10 Capital is a full service commercial mortgage lender that provides small to middle-market loans, particularly value-add/mini-perm loans up to 70% LTV for class A and B properties. It was founded in 2007 and is backed by $100 million from private equity firm H.I.G. Capital. A10 focuses on "core 4" property types and has originated nearly $175 million in new loans.
This document discusses the state of the residential-resort real estate market following the 2007 housing crisis. It notes that while the market has stabilized, challenges still remain for developers, lenders, and investors. Specifically, commercial credit for new resort development remains tight, and some overbuilt or remote areas continue to struggle. However, discretionary consumer spending and demand for resort ownership is rising again. It concludes that resort development represents a long-term opportunity if projects are carefully planned, integrated, and managed to minimize risks and maximize flexibility. Landmark Consultants is positioned to help navigate these complex projects due to their extensive experience and integrated approach.
This document provides information on a $25 million financing opportunity from Lordson Capital, a private company founded in 2011 that provides mortgage acquisition and refinancing services. It summarizes Lordson Capital's process of acquiring performing residential mortgages at a discount, servicing the loans for 60-360 days to refinance them at a higher rate, generating returns of 12% on acquisition and 15-30% on refinancing. It includes information on Lordson Capital's management team and board of directors, as well as a case study and cash flow diagram outlining the benefits to lenders and operations.
The document discusses factors that affect credit scores, including payment history, revolving debt ratio, average age of accounts, credit mix, and inquiries. It provides details on each factor and recommendations for improving credit scores, such as keeping balances low, paying bills on time, and maintaining a variety of credit account types over long periods of time. The overall message is that understanding how credit scores are calculated and managing accounts appropriately can help buyers qualify for the best mortgage rates.
The Fast 50 loan program provides cash for investment property purchases or refinances with a fast closing time of 5 business days. It requires a 50% or lower loan-to-value ratio but does not require tax returns, income statements, or a minimum credit score of 620. The program offers fixed-rate loans between $100,000 to $5 million that are amortized over 30 years with options for 3-year or 8-year fixed periods.
Battlecreek Equipment manufactures Thermophore moist heat therapy systems. The Thermophore was developed 80 years ago and uses moisture from the air to create deep, penetrating moist heat without needing additional moisture added. It comes in classic and one-touch models of different sizes. The classic has a momentary switch while the one-touch has a 20-minute automatic shutoff timer for safety. Thermophores provide a higher level of comfort and temporary pain relief compared to ordinary heating pads due to the deep, penetrating moist heat.
Clemson News Now is a weekly show that will provide a summary of the most important events happening in and around Clemson University in 3 sentences or less. It will cover topics like athletics, campus events, and student life through interviews and video footage to give viewers a quick update on what is going on in a fast-paced, visually engaging format.
LOVE LETTERS THAT GO UNSAID was initially an assignment for my Communication Studio IV class, a part of my manifesto project. It did not take long until I used this project as an outlet for some inner emotions and thoughts that I had carried for, in some cases, for years.
Through the publication, I decided to explore how my life, myself, my existence as a whole changed through certain relationships I have had in the past. My main goal was to seek "design" through raw emotions, and not to be tied onto a machine, losing what was most important; the experiences, the emotions, and the stories that seeped through the ephemera I had collected not only for this project, but in my personal life.
This document provides information for parents about various school policies and procedures for 5th grade students at Mireles Elementary School. It discusses attendance requirements, dress code policies, medication administration, homework schedules, communication folders containing student work and behavior reports, discipline procedures, lunch payment options through MyLunchMoney.com, restrictions on birthday food celebrations, accessing student grades online through the school website and eSchoolPlus, and encourages parents to check for updates and ask any questions.
The document discusses the Eureka Homes Huts to Homes project implemented by AID INDIA in the village of Pattabiramapuram. The project provided a new home for Gurunathan, Vasantha, and their grandson Santhosh. Santhosh was orphaned at a young age and is being raised by his grandparents, who own only a small piece of land. Their previous hut was washed away in floods, but the project, with donations from the Andhra Pradesh Arya Vysya Mahasaba, constructed a new home and given the family confidence to raise Santhosh.
The document summarizes the activities of the Eureka SuperKidz program over the past few months. It discusses:
1) The annual training of trainers that was held in Yelagiri to kick off the new academic year and reenergize trainers with new skills.
2) The goals for the upcoming academic year in subjects like math, English, and Tamil.
3) A new "Young Teachers" initiative to mentor younger students and help achieve learning goals.
4) An outreach campaign conducted over the summer months involving volunteers to help children learn basic math and reading skills.
This document provides information for parents about various school policies and procedures for 5th grade students at Mireles Elementary School. It discusses attendance requirements, dress code policies, medication administration, homework schedules, communication folders containing student work and behavior reports, discipline procedures, lunch payment options through MyLunchMoney.com, restrictions on birthday food celebrations, accessing student grades online through the school website and eSchoolPlus, and encourages parents to check for updates and ask any questions.
I am so thrilled that our first hut to home project in the flood affected villages just got completed! Thanks to Samu and Baskar and our volunteers who rebuilt Selvi's destroyed hut into a strong house in record time of 16 days. In the next few days the second home should be ready and hopefully several more in the next two months! #aidindia #eurekahomes
Matlab Arduino Project - Automation System for Green House ControlByoungjo Choi
A team of four freshyear students at Incheon National University in Sourth Korea designed an automated green house control system using Arduino and Matlab.
Team Members: Minho Lee, Kibaeck Lee, Jeemin Hwang and Dongeon Park.
Advisor: BJ Choi
Bibliotecas digitales y Linked Open Data, de Xavier Agenjo BullónDIGIBIS
Estado de la cuestión a escala nacional e internacional en una conferencia de Xavier Agenjo en el marco de la XXIII Asamblea General de la Asociación de Bibliotecas Nacionales de Iberoamérica celebrada en la Madird, en la Biblioteca Nacional de España.
Portugal enviou duas expedições exploratórias ao Brasil entre 1501-1504. A primeira, liderada por Gaspar de Lemos, mapeou a costa brasileira e nomeou arquipélagos. A segunda, chefiada por Gonçalo Coelho, explorou e coletou pau-brasil, retornando a Portugal com os navios cheios da madeira.
This document provides requirements for software engineering. It lists Ian Sommerville's book "Software Engineering" as the source material. The book is in its 7th edition and was published in 2005 in Madrid, Spain by PEARSON EDUCACION. It has an ISBN number and is categorized under the subject of computer science.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like depression and anxiety.
Las personas no quieren hablar con logosManuel Roldan
El documento argumenta que las personas prefieren interactuar con las marcas a través de la personalidad y el ser humano detrás de la marca en lugar de solo mensajes lógicos. Sugieren que la personalidad de la marca debe coincidir con la percepción pública para que las personas se sientan más cercanas a la marca como un amigo. Sin personalidad, una marca se perderá en el ruido digital.
The document discusses investment opportunities in today's real estate market through a company called Buying and Selling Opportunities (BSO). BSO uses investor funds to purchase foreclosed and discounted properties, renovate them, then profit from lease options or resale. Investors can expect annual returns of 10-15% depending on the investment amount and time frame. An example deal is provided where a short sale property is purchased for $78K using a $25K investor loan, then leased for $130K over 2 years providing the investor a $7,500 return.
What is EQUITYMULTIPLE? This presentation touches on what we are, why we are, and how we are different from other real estate "crowdfunding" platforms. For more info, please visit www.equitymultiple.com and/or contact info@equitymultiple.com
The document introduces the Enzo Mortgage Investment Fund, which provides investors an entry point into the mortgage financing business. It allows investors to earn quarterly cash returns by pooling money to lend to qualified borrowers. The fund is managed by Enzo Financial Group, who have extensive experience in real estate investing and mortgage lending. They aim to generate consistent returns for investors through a conservative lending strategy that minimizes risk and maintains a diversified portfolio.
Silverwood Capital Fund I LLC formed to take advantage of a narrow niche in the mortgage note industry. The Company will seek to acquire, workout, and manage nonperforming real estate notes secured by residential 1-4 unit properties. While the primary emphasis will be focusing on nonperforming junior and Home Equity Line Of Credit (“HELOC”) notes, we will purchase select senior liens and REOs.
Using our network of banking and equity fund contacts, and advanced marketing techniques, the Fund will purchase mortgages and real estate at significant discounts to its underlying value. By focusing on distressed mortgages and properties, we know the potential for above average returns exist.
These securities are being offered under an exemption provided by SEC Regulation D Rule 506(c). Only accredited investors who meet the SEC Regulation D 501 “accredited investor” accreditation standards and who provide suitable verification of accredited status may invest into this Offering.
• Any historical performance data represents past performance. Past performance does not guarantee future results;
• Current performance may be different than the performance data presented;
• The Company is not required by law to follow any standard methodology when calculating and representing performance data;
• The performance of the Company may not be directly comparable to the performance of other private or registered funds or companies;
• The securities are being offered in reliance on an exemption from the registration requirements, and therefore are not required to comply with certain specific disclosure requirements;
• The Securities and Exchange Commission has not passed upon the merits of or approved the securities, the terms of the offering, or the accuracy of the materials.
The Cherry Hill Group is a real estate investment company seeking to purchase commercial properties, particularly self-storage facilities, to generate long-term income. They raise funds from private investors to purchase underperforming properties, which they renovate and improve management to increase profits. They aim to hold properties for 5 years before refinancing and paying back initial investors, offering competitive interest rates to investors.
Done-For-You Real Estate (Transactional PSA)
Done-For-You Real Estate Transactional Professional Service Agreements (PSA} are all about access. View them as the golden key that opens investment opportunities unavailable anywhere else, while minimizing your personal time, effort, and risk. MENTour through Strongbrook REIC delivers access to the ultimate real estate Power Team complete with education, application and turn-key properties in your own market or the best ones in the country.
Strongbrook Buy & Hold-Turnkey StrategyWilliam Moore
Generational Wealth Zone presents Strongbrook; A client based National Real Estate Investment Company that uses a turn-key approach to investing in Real Estate & Strongbrook Direct; A client acquisition referral network
Murtha Cullina - Crowdfunding and Angel Investors 2012Paige Rasid
This document provides an overview of crowdfunding and its potential impact on angel investors. It defines crowdfunding as aggregating funds from a broad base of donors/investors toward a common goal, and outlines the four main types: microfinance, peer-to-peer lending, donor-based funding, and investment crowdfunding. It discusses upcoming SEC regulations for investment crowdfunding in the US and how this may compete with or complement traditional angel investors. It concludes that the investment landscape will change significantly and questions remain about how crowdfunding will develop and what type of opportunities it will provide for both investors and companies seeking funding.
Crowdfunding Basics and the Impact on Angel InvestorsLynn M. Miller
Crowdfunding allows companies to raise funds from many small individual investors online rather than from traditional sources like venture capitalists or business angels. There are four main types of crowdfunding: microfinance, peer-to-peer lending, donor-based funding, and investment crowdfunding. New JOBS Act regulations will allow investment crowdfunding in the US through regulated online portals. This may compete with or complement traditional angel investors by providing an alternative source of funding for startups. However, angels may still provide advantages like business expertise and mentorship that "dumb money" crowdfunding alone cannot. The crowdfunding landscape is still developing and will change the investment environment significantly.
The document promotes a private lending investment opportunity offering higher returns than traditional bank investments. It claims investors can earn 10-12% interest by lending money to purchase homes, which is then secured by mortgages and re-sold for a profit. The company aims to help homeowners struggling with finances or relocation by buying their homes.
The document summarizes Strongbrook's approach to empowering personal and financial success through three pillars: facilitated real estate investment, business ownership, and personal development. It outlines Strongbrook's services which include designing personalized game plans, educating on growth markets, identifying investment opportunities, and managing acquired properties. The document promotes Strongbrook's track record and ability to help clients build substantial residual retirement income through real estate within 5-10 years, compared to the traditional accumulation approach of working 30+ years and saving. It invites readers to access Strongbrook's team and investment opportunities by purchasing a MAP package.
RealCrowd offers direct real estate investing opportunities to accredited investors in pre-vetted, institutional quality commercial real estate assets. This document provides an overview of commercial real estate investing, including why it has historically produced strong returns. It also summarizes the types of commercial properties that can be invested in, such as apartments, offices, industrial facilities, and retail properties. Finally, it outlines some of the benefits of direct commercial real estate investing compared to alternatives like REITs.
Peak Properties is a real estate investment firm that offers private lending opportunities for investors to earn high returns of 10-15% by lending money to the firm. The firm buys distressed homes, renovates them, and quickly resells them for profits. Investors are secured by first mortgages on the properties and their money is used to fund purchases and repairs. The loans are short term, usually 4-6 months, and investors receive their principal and interest back when the homes are sold. The presentation provides examples of past deals and touts the safety and passive nature of these investment opportunities.
Walla Street Investment Capital Business Planctwalla
This document provides an overview of the Walla Street Investment Capital business plan, which has three branches: a stock trading branch, a real estate branch that buys and flips residential properties, and a safe investment branch. The business was founded one year ago and is currently a one-person operation. It seeks investment capital to grow its trading, real estate, and safe investment activities in order to provide consistent returns to investors.
Walla Street Investment Capital Business Planctwalla
This document provides an overview of the Walla Street Investment Capital business plan, which operates three investment branches: a stock trading branch, a real estate branch that buys and flips residential properties, and a safe investment branch. The business was founded one year ago and is currently a one-person operation. It seeks investment capital to expand its three branches and trading strategies to generate high returns for investors.
Marathon is an investment fund managed by Olympic Wealth Management Group that aims to provide high regular income and capital growth over the long term. It invests globally in stocks, bonds, and mutual funds from economically and politically stable countries. Marathon charges a flat annual fee of 2% and allows full access to funds with a low monthly minimum investment. It uses a focus investing strategy of concentrating investments in well-run businesses with long term growth potential to outperform the market over time. The fund is designed to withstand short term market fluctuations and remain highly liquid.
The document summarizes the key points from a newsletter sent by FundsIndia to its investors. It discusses the strong performance of equity markets in January, encouraging investors to remain invested during downturns. It also mentions Fidelity mutual funds considering strategic options like a potential sale. Additionally, it announces FundsIndia is revamping its website user interface by the end of the month.
Transitional Property Investments (TPI) is a limited liability corporation (LLC) with decades of combined business and construction experience as well as investment property ownership and management. TPI seeks to provide high value, high quality, cost effective living and working environments across the communities in which we live and work while assuring profitability and sustainability for our lenders. TPI utilizes funds from our private lender network to locate, purchase and improve residential and commercial properties. Unlike traditional “flippers”, we prefer to hold and lease these properties to qualified businesses and/or individuals. With this strategy our lenders enjoy a higher, sustained return on investment for longer periods of time.
We pay a high simple interest premium to have funds readily accessible.
You: I’d like to thank you for meeting with me today. I appreciate it. How much time do you see us spending together today? Private Lender: I don’t know. How long does this usually take? You: About 45 minutes. Does that work for you? Private Lender: Sure. You: As you know, I have some potential real estate investing opportunities that may be of interest to you. This presentation will explain the current opportunity in the real estate market, what we do and how we do it, and how that relates to you, the investor. I’m not really sure if our program will be right for you so I’ll be asking you questions throughout the presentation to find out. Does that sound good? Private Lender: Sounds good to me.
You: Great! First, I’d like to talk about the current real estate market. There are 3 things I want to mention. It’s a buyer’s market. This means that sellers are having a difficult time getting rid of their properties and allows buyers to be very picky. There are more motivated sellers now than ever, so this is an excellent time to buy property. The state of the mortgage industry is feeding into the problem that sellers are having with their property. Many of the loans that used to be available for homeowners have been discontinued and traditional homebuyers are having a tougher time getting loans to buy properties. And to top it all off, foreclosures are at an all time high.
All of this combined culminates into an incredible time to buy. Most investors do the exact opposite. They wait to invest, watch others get in early, wait to invest, wait a little longer, and then finally invest when at the peak. In a down market, we do exactly what intelligent investors do . . . buy when the time is right! Does that all make sense? Private Investor: Yes, it does. I hear so much about the terrible market conditions, but it doesn’t sound like it’s that bad for you. You: Not at all. It’s actually great for us.
You: I want to explain what our business model looks like so that you have a full understanding how you, the investor, come into play. Locate motivated sellers. As I just said, there are a ton of motivated sellers out there right now. We have several different marketing strategies that we use to find them. Provide solutions through speed and ease of transaction. Our primary service to someone that needs to sell is speed, to take care of a problem property, and the ease of working with a professional home buyer. Use cash from investors to buy property at deep discounts. Through our investors, we have the ability to make someone a cash offer and close very quickly. By providing this service, we get to buy property at a deep discount usually at about 65% of value. That means that we might pay $65,000 for a house that’s worth $100,000. Selling property through traditional means today can take many many months and there’s no guarantee it will sell at all. So if a seller is motivated and needs to sell quick, we are their solution. Create win-win-win scenario between seller, investor, and <your company name>. The seller is able to sell their home quick for cash. Our investor makes a good return on their investment. And <Your Company Name> pockets the profit from the deal. That’s pretty simple, right? Private Investor: Yep.
You: Cash is king. Borrowing cash from private investors allows us to offer our services to sellers. We offer quick cash closings and can buy at a discount because of it. Speed to close a deal. As I’ve already said, speed is our main service. We can close a deal within a week if need be. It’s like “profit sharing.” We don’t mind paying an investor a good rate of return because we make all the profit created in the deal. We just look at it as if we are sharing some of the profit from the deal with our investors.
You: Before we get started, I’d like to touch on a couple things. Let’s say that the appointment is over and you’re saying to yourself, “That was a great meeting . . . Really worth my time.” What would we have to cover for that to happen? Private Lender: Well, I guess I’d like to know a little more about your company, if the investment is really safe, and what return is being offered. You: Makes sense. Most people have similar questions. If I don’t answer these questions within the presentation, I’ll make sure to at the end. Are you OK with that? Private Lender: Sure. You: I also want you to know that I may figure out that we’re not a fit during the presentation. If I figure that out before you, are you OK if I tell you? Private Investor: Yes, of course. You: Our program is not for everyone but worst case scenario, we simply choose not to do business together right now. Doesn’t really matter to us. You know, you may figure out that we’re not a fit before me, if that’s the case, will you tell me? Private Investor: Yes. You: I really appreciate it! Sometimes people say things like, “Let me think it over” or “I’ll call you next week” when they really just aren’t interested. We can just figure out by the end of it if it’s a no . . . not interested or if we should take the next step to get started. Does that sound fair? Private Investor: Yes it does.
You: Can you start out by telling me a little bit about your investing experience? Private Investor: Sure, no problem. I’ve been able to save what I consider to be a good nest egg over the years but have always played it pretty safe. My Uncle Bob is a financial planner so he has managed most of my money over the years. My money is divided between the stock market, mutual funds, and CDs. I also keep around $30,000 in my savings account for emergencies. You: Makes sense. Well, are you happy with your current investment portfolio? Private Investor: Like I said, I’ve always played it pretty safe and invested in low risk low return investments. I’m looking to invest a small portion of my funds into something that can pay a higher return. You: How do you think our program could help with your investment goals? Private Investor: When I heard that you were offering a 10% return to your investors, it sparked my interest. I wanted to at least find out some more info about it. You: I understand. Whether or not our program is a fit, is it important that you invest right now? Private Investor: I’m not in a hurry to invest but once I find the right opportunity, I plan on taking it. You: OK
You: Are you more interested in making a quick buck or building wealth? Private Investor: I want to find the right investment and let it ride for awhile. You: Is having a regular income from the investment important to you? Private Investor: It’s not necessary, but it would be nice. You: OK, if you found the right investment, what would it provide you? Private Investor: Even though I know higher returns bring more risk, I want a sense of security. I guess receiving a regular income would be great too.
You: How do you typically go about making decisions to invest? Private Investor: I have always trusted my Uncles judgment with my investments. But it’s usually a gut feeling. It either feels good or it doesn’t. You: So, if you found the right opportunity, and you got that gut feeling . . . It feels good, when would you want to get started? Private Investor: Now. I would want to go ahead and invest. You: OK. Who is involved in the decision making process when you invest? I know you mentioned that you are single but it sounds like your Uncle has been helping you over the years. Private Investor: Just me. You: You mentioned always trusting your Uncle’s judgment. I want you to know that this isn’t really a traditional investment. If you do end up passing it by your Uncle, he may not think it’s the best decision for you. Private Investor: I appreciate it but it’s my decision to invest my money how I see fit. You: I understand. So if you found the right opportunity, you would just make the decision to invest yourself? Private Investor: Yeah.
You: This is how our investment opportunities are structured. Someone can invest with us with as little as $25,000 on up to a couple hundred thousand. It’s typically set up for as short as 6 months to as long as 5 years. The investment offers a 10% annualized return. As far as payment terms, we can set you up for regular payments (monthly, quarterly, or annual), or we can just let the interest accrue. Private Investor: I can choose whatever is best for me? You: Doesn’t really matter to us, whatever fits your investment goals best.
You: This is a sample deal to show you exactly how our program works. This is a property we purchased from a seller who was behind on payments. We negotiated with the bank and ended up buying it for $43,900. We borrowed $60K from a private investor to pay for the purchase price, repairs, and holding costs associated with the deal. And before we even finished the repairs, we had another investor offer us $83K for the property as-is. The private investor made an easy $2,800 just by writing a check. And as you can see, we were able to create approximately $20K in profit for our company. It was a win-win-win scenario. Ultimately, all we do is buy low and sell high. It’s a pretty simple business model. Does all of that make sense? Private Investor: It makes sense to me. You: OK, good.
You: Now, I’m going to answer some common questions that people have. How is the real estate market affecting your business? As I covered earlier, it’s actually a great time to buy. As long as each deal is structured so that we don’t have to sell a property, we will be in good shape. Anyone that counts on selling property right now, may put themselves in a compromising position. Why would people sell their house at such a deep discount? There are many reasons people sell their houses to people like us. A few examples would be job loss, divorce, bankruptcy, foreclosure, just to name a few. A lot of the time, money is not the most important thing to the motivated seller. Peace of mind is. Would I be investing in a piece of property or <your company name>? You would be investing in a particular property. Is the investment secured? Yes, you are secured the same way a bank secures itself when they lend money. What kind of paperwork do I get? You get a note and a mortgage just like a bank. The note spells out the terms of the investment and the mortgage secures your investment on a specific piece of property.
You: Can I invest from my IRA? You didn’t mention that you had an IRA but just so you know, sometimes you can invest IRA funds. Private Investor: That’s interesting. You: I have equity in my home, could I use that to invest in your program? Sounds like you have funds readily available to invest if you find the right opportunity. If someone wanted to though, they could get an equity line and invest that money into our program. They would just make the difference between what they pay in interest to borrow the money and what we pay. Most of my money is in the stock market but I don’t want to sell right now, how could I invest with you? Same scenario here. If someone wanted to, they could use their stock as collateral for a loan and invest that money with us. What about taxes? How is this going to affect my taxable income? Interest income is treated just like ordinary income. I would advise speaking with your accountant for further information. You only pay taxes on the interest income received in any year. If the investment accrued interest rather than having regular payments, you would not be taxed on those earnings until you actually received them. Does that all makes sense? Private Investor: Yes. And I think you’ve answered all of my questions.
You: Not saying your interested, but here are the next steps that one would take if so. Private Investor: I want to get started with you. This makes sense to me. Can we go ahead and define the details? You: Sure! What range do you see yourself investing? And, what kind of time frame would be best for you? Private Investor: I would like to invest $50,000 and I how about if we start with a one year term. You: You mentioned that regular payments may be of interest to you. Do you want monthly, quarterly, or annual payments? Private Investor: I would prefer monthly. You: OK. Are the funds in a position where you can just write a check or is there a time frame associated with accessing them? Private Investor: I just cashed out one of my CDs recently so the money is actually just sitting in my checking account. You: We have a couple deals that we are preparing to close soon. Let me look into it and find out when the funds would need to be delivered by. We will have the paperwork drawn up for you and ready to go. Does that work for you? Private Investor: Works for me! You: Great! Well again, thanks for meeting with me today. I will be in touch soon.