The small business loan calculator has proven to be one of the most useful devices when it comes to calculating a number of commercial real estate investments. Mortgage calculators can be especially important tools of the trade in a few different areas; whether figuring out interest payments only or going with the ebb and flow of adjustable rate contracts, keeping an eye on these figures throughout the duration of most any given property transaction can be beneficial in many ways.Those who’ve used SBA loans in the past have been able to rely on small business loan calculator settings to carry them through each phase of the commercial loans process. No matter the case, having access to a number of online mortgage calculators can make life much easier when dealing with a variety of lending scenarios.Even when dealing with small loans, the price of doing business can eventually work to the advantage of the borrower. The same principle applies to those who qualify for unsecured loans and the like, when payment schedules may include higher rates. Because of the fact that some small business loan calculator setups have a few additional features to offer, the unexpected can often be handled; with commercial loans especially, unforeseen circumstances may change the game in a hurry.Forecast Early Payoff With Your Small Business Loan CalculatorDepending upon which lending institution is handling the loan in question, the idea of paying off the loan early can become a reality. Prospective borrowers may want to make sure that an early pay-off clause is included in their SBA loans without having prepayment penalties; for example, those who qualify for unsecured loans can save thousands of dollars by paying off the balance a little faster than anticipated.A small business loan calculator with this extra added feature can factor in additional amounts to be paid and apply them towards the total balance. In the past, commercial loans without this feature have ended up costing borrowers a bundle.Not all mortgage calculators come with this feature. In addition to entering the standard information pertaining to small loans, such as the balance, interest, and monthly installments, entering in the extra payment amount will display how much loan recipients can save by paying their commercial loans off earlier than expected. Even though these small business loan calculator functions are becoming more commonplace, it’s vitally important to find out which lenders are offering this additional service.Use Your Small Business Loan Calculator To Determine Best Financing OptionsThose who are ready to refinance their first-lien mortgages may be able to take advantage of their SBA loans by seeing whether or not this early payoff condition applies, sans the penalties. Successful business owners should have a certain amount of clout as it stands, meaning that this type of leverage can be used to switch mortgage companies, if necessary.Contacting other lenders isn’t a crime, and some may have this particular small business loan calculator function already in place. Having this type of leverage can put business owners in the driver’s seat while searching for the best available deals concerning their commercial loans.In effect, renegotiating a second mortgage while saving thousands of dollars is more than possible; in fact, paying lower interest rates and monthly payments on a number of refinanced small loans just isn’t enough, especially when mortgage calculators with multiple features will be able to clearly indicate how much additional money can be saved in both the short-term and the long-run. A small business loan calculator with all the bells and whistles may be worth looking into.
What Are The Greatest Changes In Shopping In Your Lifetime
What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.
As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.
That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.
Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.
Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.
Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.
Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.
That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.
Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.
Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.
My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.
Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.
And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.
All Things Fresh
So there were very many common services such as home deliveries like:
• Farm eggs
• Fresh vegetables
• Cow’s milk
• Freshly baked bread
• Coal for our open fires
Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.
Another used to come every day with fresh vegetables, although my father loved growing his own.
Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.
Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.
My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.
The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.
Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.
Our insurance company even sent a man to collect the weekly premium.
People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.
In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.
Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.
• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.
• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.
• Not many written shopping lists, because mobile phones have taken over.
On a more optimistic note, I hear that book shops are popular again after a decline.
Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.
We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.
Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.
My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.
How to Start Or Join a DirectMatches Network
Like most of the other neat services on DirectMatches that link back to your profile, Networks also do the same. It will link as both networks you mange and networks that you are a member of.So, how do you start and join networks?From you main page, you can access networks from the top menu bar. When you click on it and bring it up, you will have the option to create a new network or to join a network.Here’s an excerpt from the web site that explains the importance of networks and why you should create or join them.”Networks let existing organizations and communities use DirectMatches technology to connect their members with each other.When you create a new Network, you become the manager! Networks give you the ability to:* Manage and build your own private networking organization using DirectMatches technology.
* Approve and control who joins your private network.
* Maintain your own private forum.
* Maintain your own private group mail, including mass mailing your network.
* Post private events and functions.
* Keep your team informed with special announcements.
* Add sub-managers to manage groups within your network
* Market your own Network home page and Website URL.Networks give existing organizations more value by increasing their ability to communicate, be visible and help network with each other.”This is just another great way to build a list of people with common interests, promote your opportunity, join with others who are in your same opportunity, and offer advice to others that benefit both you and them.You have the option to search networks to find ones that best suit you. You can either enter in search terms or click through the pages 10 at a time. When you click on a network that you want to join, you will find a brief synopsis about the network, who created and moderates it, their picture (if they have one), most recent topics, special announcements, the option to join the network, and most importantly the option to invite a friend to join DirectMatches via that network.You will set up these same functions if you create and moderate a network. But, think of it this way, if you create one and the topic really grabs the interest of others, people will join your network. You can also go back out in the community on DirectMatches and promote your network by sending an email to your downline or sending out a group email. The possibilities are endless.Another neat function of the networks is that you can see who the members are and add them to your personal contact list, find out which forums they are attached to if any, see what events are taking place with that network or add your own events, manage network memberships, and allow or limit private networking features.Most of all, have fun with it.