How to save money by using an Independent Commercial Mortgage BrokerWritten by Commercial Lifeline
Being a creature of habit can cost you plenty when it comes to applying for a commercial mortgage instead of going through an independent commercial mortgage broker. Let me tell you why.Most business people have an established relationship with their bank and take advantage of that relationship whenever they need to borrow money. However, here is question that you should be asking yourself: "is your bank taking advantage of you?". More and more answer to that question is "Yes". Once you have an established relationship with a bank they tend to start taking your business for granted. Not necessarily in a bad way, mind you, but in way that a mutual level of comfort exists. The bank knows your reputation for keeping your word; they know how much money passes through your account and they know what your business does. You know that there is someone there that you can ring up who knows you and will work with you to get a commercial mortgage. Seeing as how applying for a commercial mortgage can be a time consuming affair it is a natural tendency to go to people that you already know to get deal done with minimum amount of red tape. The bank realizes this and it removes their incentive to cut you most competitive deal or to negotiate on terms that you may not like. In essence you are locked into accepting whatever commercial mortgage "packages" your bank offers. Now, on other hand, if you take advantage of services that are offered by an independent commercial mortgage broker then a whole world of options open up for you. Your broker is able to shop your commercial mortgage application among a large number of lenders who are hungry for new business. As a result you are often offered deals that beat your bank's best offer by a considerable latitude.
| | Inuit Eskimo Art As InvestmentsWritten by Clint Leung
Many people collect Inuit Eskimo art as investments. Inuit art is growing internationally but it has been suggested that number of actual Inuit artists are actually declining. The creation of Nunavut government which represents Canada's third official territory, has resulted in many new employment opportunities for Inuit, particularly younger ones. Carving and entire process of bringing back suitable stone from distant quarries to their own communities are hard work for Inuit art carvers. Many young Inuit prefer to pursue less physically demanding careers such as regular nine to five, weekday only government office occupations. As government offices grow, so will local businesses to support them which create even more local jobs for Inuit people. These trends are not only affecting Inuit males but also females as well. As more young Inuit women move towards a 'southern', i.e., more North American lifestyle, Inuit art drawing, wall tapestry and doll making will be less attractive skills to learn compared to office or retail skills. Many master Inuit art carvers are also expert hunters. They get to see Arctic animals regularly resulting in excellent representations in their Inuit carvings and other artwork. Many young Inuit these days prefer not to hunt since northern community grocers have reduced a need to hunt for food. As a result, accuracy of carvings by some younger, non-hunting Inuit artists may be affected since they may not have familiarity of Arctic animals like older master carvers do.
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