Boost Your Cold Calling Results in Commercial Real Estate

To make your prospecting system work for you in commercial real estate, you really do need to systemise it and set some priorities. Systems help build the future; random undirected action does little for you as a commercial real estate agent.

When you set the priorities you will not be wasting your time on things that don’t matter or perhaps have little results and conversions for you. It’s tough enough finding the time to prospect every day, let alone spending time on things that are not good converters of business opportunity for you.

So what can you do here? You can set a plan up that keeps you focused on the highly converting prospecting processes. You need new business to make your career work for you and prospecting is the key to pulling it all together.

Here is a priority model used by salespeople that I have helped in shaping their market share.

  1. Practice your call pitch for 30 minutes at 8:00am every day. This single one fact will help you convert more people faster to opportunities.
  2. Start the day with cold calls to new people. This should happen for a period of 2 hours. Start your calls at 8:30am.
  3. It will take you 30 minutes to build momentum as part of the call contact process. After 30 minutes you will be comfortable with what you are doing and the conversations will flow. The calls will get easier.
  4. Remove any meetings from the start of a business day. That includes team meetings. Focus on prospecting before anything else. Don’t let other people waste your prospecting time.
  5. Any follow up calls to established contacts should happen later in the day outside of your prospecting time. Create a habit of prospecting for new business. Don’t let existing customers or contacts derail your prospecting system.
  6. Towards the end of the day you should enter the results of the calls into your database. Perhaps you can do that as you are making the calls; the data does however have to be entered and you must take responsibility for that.
  7. End the day with research related to new prospects that you are to call tomorrow. Who are they and why are you calling them. You will need to know those facts as part of the process.

So these are some very rigid rules. When you stick to them you will find that opportunities develop. In any market and at any time the business is out there; it is just a matter of opening up the relationships with the right people.

Commercial Real Estate Purchasing Requires Considering Many Factors

Today’s world economy is changing. More and more people are turning to the internet for their goods and services. As our ability to transport goods across international borders increases exponentially, the world is truly becoming as small as a tiny computer monitor screen. Faced with the prospect of competing with online vendors, what can today’s business do to offer a clear and attractive alternative? The key is, and always will be, the customer experience.

As the old adage goes-real estate is all about location, location, and location. That is no longer true than when you are shopping for commercial real estate. Firstly, the location must serve your basic business needs. Does the location offer you all of the space your business may need for today, and can it expand to meet tomorrow’s needs? Is the location safe for your workers, and is the area an attractive destination to potential customers?

Perhaps most importantly, your business must be accessible to these customers. The closer your business is to the customers that you seek, the more readily you can compete with online businesses. Nothing beats the experience of being able to take a short walk to a store and see, feel, and test the goods and services you might need.

A well thought out and researched piece of commercial property is more than a tract of land and a solid piece of construction. It can serve as a piece of advertising as well. The location of your commercial real estate can be in an area with a high level of traffic. With a sign on the building, you can essentially create a free, ongoing billboard advertising your business. Since your business model may depend on local business, this kind of free advertising can be invaluable as time goes by.

You may also look for commercial real estate in areas with little driving traffic but a high level of foot traffic. Areas with high foot traffic are great for retailers looking to attract new customers who may be out for a day of window shopping.

Likewise, buying property next to existing businesses with similar customers may be a great way to work with your neighbors to create a one stop shopping experience. Today’s customer who notices your sign can be the start of tomorrow’s word of mouth.

Aside from the location, the actual structure is the most important aspect of a commercial real estate purchase. Aside from space considerations, you must consider what elements are available to you within the property.

If your business is dependent on a high level of internet activity, you should seek out property with stable, high speed internet available to each of the spaces. If your business is retail oriented, you will need large floor plans, preferably with a certain level of window space available for passing shoppers. Restaurants, bars and certain service oriented businesses will need kitchens, bars, or special pluming needs.

While today’s economy is victim to many up and downs, particularly in the real estate market, those in the market for a commercial space may be able to find a bargain. This is especially true if you are able to find a ‘fixer-upper’ property that can be retrofitted for today’s business needs. As real estate prices once more rise, these commercial properties could become a source of new revenue for the future.

No matter what kind of space you may need for your business, trained and helpful real estate agents will be able to aid you in your search for a new commercial real estate property.

E Cigaret – Benefits And Controversies

After the discussion of e cigaret, there have been discussions throughout the world out of which majority concentrated on security of the cigarette. An elektronisk cigaret is into existence for several years and has been a good alternative to smoking conventional cigarettes. Not only is this but also an el cigaret helps smokers to lessen smoking.

Benefits of an ego cigaret:

An e cigaretter finds number of benefits associated with the electronic cigarettes, which are enumerated as under:

• Similar taste of conventional cigarettes: Electronic cigarettes contain similar tobacco taste but are free of other harmful substances being found in the conventional cigarettes. Electronic cigarettes allow smokers to remain satisfied without breathing in harmful toxins.

• User friendly: Fourth generation of an ego cigaret has become much user friendly than that of the initial versions that had been larger in size and could not encourage the mass.

• Creating smoke as vapor: An atomizer, a battery as well as an inexhaustible nicotine chamber allowing smokers to smoke, even create vapor and burn at end just like other traditional cigarettes.

• Reduced quantity of nicotine: Nicotine chamber in an elektronisk cigaret proves fruitful for smokers since the cartridges are being found in varied strengths, which permit users to lessen intaking, the quantity of nicotine.

• Saves on expenditure: Nicotine cartridges contain nearly 15 – 20 cigarettes that can be huge savings on your expenditure. Low, medium, standard or no nicotine contains different cartridge strengths.

• Environmental friendly: Smoking an e cigaret seems to be a healthier alternative to the conventional cigarettes as it is legalized to smoke in public places. For an instance: An e cigaretter needs to come out of public places such as pubs, restaurants, multiplex etc for smoking. However being eco-friendly, electronic cigarettes are being authorized to be used anywhere.

• Reusable: Smokers can make use of the electronic cigarettes, which means that only lesser quantity of vapor is required to be filled for every use.

• No smoke: One of the best things about an elektronisk cigaret is that it never produces smoke and are lesser risky to non-smokers and air quality. Owing to this reason, an ego cigaret is also referred to as smokeless cigarette.

Things to consider:

While there are so many benefits associated with an elektronisk cigaret, there are certain things that need to be considered prior to making the purchase. There are numerous groups pointing out the adverse effects of an ego cigaret. It came as a warning that children might get attracted towards the item given to its originality and alternative for varied flavorings. This is due to the fact that though most of the electronic cigarettes resemble conventional cigarettes yet others seem as USB sticks or pens.

There is not enough data stating the quantity of nicotine being used by a smoker and if it has severe effects. An e cigaret is much safer than conventional cigarettes, but it does not qualify them as extreme inhalation can leave dangerous effects on the body of smokers. Therefore, it is recommended to read the reviews clearly before purchasing the product.

Low Interest Personal Loans – Unsecured?

Low-interest personal loans, also known as signature loans, can often be quite difficult to qualify for. Low-interest personal loans are granted to the borrower without the lender enjoying the benefit of collateral which is why they are often called unsecured loans. It is for this reason that borrowers will find that lenders’ guidelines for such loans are often significantly more stringent.

Since no collateral is offered, as opposed to a home equity or auto loans, the lender’s only recourse in the event of default is to file a lawsuit. While it is certainly within reason that the lender could be awarded some personal property or wage garnishment as a result of a lawsuit, this is generally not the case.

In jurisdictions where wage garnishments are permitted, they are generally reserved for cases involving child support payments. As lenders find themselves financially exposed with low-interest personal loans, they will often require that the borrower has a requisite level of financial stability and credit in order to consider granting them.

The underwriting guidelines as regards low-interest personal loans will vary from lending institution to lending institution. In the case where there is a pre-existing personal relationship between the lending institution and the potential borrower, the qualification criteria will often be quite a bit more lenient.

While this is often the case, the lending institution is certainly under no obligation to make any exceptions as regards their guidelines. The parameters that lending institutions will use in order to determine whether a borrower is qualified for a low-interest personal loan are solid financial assets, job longevity, good credit rating and a low debt to income ratio.

The size of the personal loan that most lending institutions are willing to offer are often limited, sometimes to as low as $5,000. While some may offer more, it is important to remember that low-interest personal loans are often quite difficult to receive approval for. In the case of a potential borrower with less than perfect credit, they will find that the opportunity for them to receive approval for a low-interest personal loan is limited to say the least.

The situation is necessarily as dire as one might believe for borrowers seeking a loan with less than perfect credit. There are countless finance companies that specialize in smaller loans for just such borrowers. While borrowers may succeed in obtaining a loan through these finance companies, they will find that the interest rates that they are offered are often as much as 10% above market interest rates and can be paid off over a one to two year period. It is highly recommended that borrowers do their due diligence as regards researching their available alternatives.

There is another option for borrowers with poor credit, cash advance loans. Cash advance loans are also know as fast cash and payday loans; they require no credit check and, as such, the borrowers credit history is of no consequence. Cash advance loans are high-risk and, subsequently, have high interest rates and are designed to help borrowers solve immediate cash-flow problems.

It is important to remember that there are financial institutions that are more flexible than others and more open to work with a borrowers of all credit ratings. In certain cases, borrowers with poor credit may find that they can obtain a loan for up to $20,000. Of course, unsecured personal loans are obtainable by almost everyone for virtually any situation.

While unsecured loans with low-interest are not easy to come by, there are alternatives available for borrowers with a less than stable financial standing. Again, with some research and by learning what is available, one should be able to find loan package that meets their needs.

Top 5 Outdoor Activities For Kids

Finding safe, fun outdoor activities for kids in all weathers may be a little challenging but definitely isn’t impossible. With the right kids clothes outdoor play can be enjoyed on most days. Anyone can find something fun and exciting to do during the warmer weather but what about those wind-swept autumn days or frost-bitten winter mornings?

Actually, finding something to do in all weather is more about an attitude change than an activity change. More and more these days we feel it may be too wet to go out or too cold when actually even a short period outdoors in inclement weather can make for a lot of fun.

A New Twist On Old Favourites

Not only can the activities be entertainment but it is a perfect way to teach children to be more aware of the world around them and how seasons work to affect the plant and animal life on earth. This in turn will bring them to think with empathy on other ways of life and how to better care for their environment.

Backyard cricket – This iconic game of Australia is a summer played sport but that doesn’t mean you can’t play forms of it in other seasons. You can use it to link back to some of our heritage and even use it to explore the cultures of the other countries that play. Tippety Run is an easy form of the game where you must run between wickets anytime the ball is hit. Wickets can be anything, even plastic rubbish bins, and because it is an active game it will keep kiddies warm on cooler days. It teaches teamwork as well.

Kite Making – the best things about kites is they need a windy day to fly so autumn and spring are going to be perfect. Of course, no electrical storms for flying but a good stiff wind is perfect and means less work to get the kite off the ground. Children will find these easy to make and with some encouragement and some basic kite flying principles they will soon be doing their own designs. The tails can be long and fancy and a big kite is a wonderful group project. This is a great way to discuss how birds fly and what other things might be found airborne in the autumn and spring. Older kids can learn about the power in lightning and how it can travel to the earth.

Treasure Hunt – Depending on where you live and how safe you feel the children will be wandering around it may pay to split into teams with an older teenager or adult with no more than two younger children. Toddler and preschoolers should always have adult supervision. You may need to take a drive to find a suitable spot if you live in a city.

A rock the size of a 20c coin
The longest stick you can find
A spiky leaf
Something the shape of a love heart
This can be done in several ways and is fantastic for all age groups; you simply adjust the clues according to age group. You can also award prizes for certain categories. A sample list might be:

You can tell them not to destroy anything living to get the objects and even a few showers won’t hurt this one at all. Just get them to don the raincoats, hats and boots and get excited about going out into the rain for a little while.

Outdoor Painting – Painting outdoors is perfect if there is going to be a big downpour likely. It’s easy to do when the cement or walls are already wet. Use big paintbrushes and safe, water soluble paints. Even big pavement chalk is fantastic to run out in between showers to draw and then watch it get washed away. This is the perfect opportunity to discuss how rain is formed in the clouds and what happens when it rains. Kids can watch the clouds moving fast in a stormy sky and make up stories about them and then try to paint those stories. Imaginations will run wild.

Sprinkler Play – Once before we could turn on the sprinkler on a hot day and play until our heart’s content. But the reality of water shortages is pertinent today and responsibility with water is an important thing to instill in our kids. They can still have sprinkler play but place the sprinkler into a pool and discuss ways to reuse the water when they have finished with it. It might be to put on the winter veggie patch that you sow in early summer. Water is an excellent source of education and play. Rainy days can help to show children what happens to water, where it goes after the drain hole, and what effect it has on the place it ends up in.

There really is no limit as long as you don’t mind a bit more kids clothing in the wash. Once rugged up well even breaking ice in puddles on a frosty morning is so much fun. There is a huge variety of kids clothes and kids protective clothes available today so no more excuses about the weather being bad, go and enjoy our world.

10 Shopping Tips – Fashionable Finds Are Possible For Under $25!

When it comes to shopping sometimes the $20 sandals flatter you more than the $400 designer sandals. Style is not in the price, but in your approach. You can get more for less if you are savvy about your shopping. Fashionable finds are possible for under $25. How do you do it? Here are 10 Tips to think about when you’re out on a shopping expedition:

1. You Can Find Deals in Unexpected Places.

I got a purse for a steal at a Nine West shoe store in New Jersey. Not a shop I would normally think of to buy a purse. But I spotted it in the front window and fell in love. (Although maybe not as deeply as with my husband.) When I went into the store to ask a sales clerk about it, I thought this gorgeous tan satchel would be expensive. It looks like something that would be appropriate in Grace Kelly’s or Audrey Hepburn’s wardrobe closet. But now it’s in my closet.

2. Set Your Budget and Stick with It.

Yes, you’ve probably heard this before. However, forced to work within a box, you will come up with creative ideas. One year for Christmas, I set a working budget of $25 each for my nieces and nephew. Instead of getting them each one gift, I got them a number of small funky gifts and they each had 3 presents to open. It made opening gifts more exciting for them.

3. Read fashion magazines to get an idea of the trends.

Many clothing companies with budget-happy fashion lines will replicate the “look” or “feel” of pricey designer fashion. I read everything from New York magazine and the NY Times Fashion to Vogue, Elle and fashion catalogs to see what’s happening out in the fashion world. Go to your nearest public library and those fashion mags are FREE! If you learn what is cutting edge then believe me you will find cheaper versions of the trends. Or you will learn how to put an outfit together in your own expressive way.

4. You can find reasonably priced gifts at even the most expensive stores.

For example when I go online to Saks Fifth Avenue I can look under the gift category “Under $50.” Today for “$25 and under” I find: a Kate Spade notecard set, a hip style book on Dolce and Gabbana and Fresh waterlily soap—all would make lovely gifts. The price is so reasonable for the soap you could even include a little something else so that the recipient has another gift to open–always more fun. Go to a pricey chocolate shop. Then buy the smallest, but always tasteful box, sometimes under $15. Put it in a nice gift bag with the heavenly scented waterlily soap. Your gift card can read: “You deserve a little elegance in your life.” What friend wouldn’t be flattered.

5. Be open to new opportunities.

When I travel to new cities I like to explore new shops. I usually end up in the artsy section of town. To me that means galleries, museums, maybe a university–and fun shopping. I collect business cards of the stores I love and make notes or take pictures of what they have so I can call them and order from them later. If a town has a college or university it has plenty of stores with low prices to satisfy the students. And me too.

6. Know your own style.

Allow your self the luxury of an expensive item that you just can’t pass on. Especially if it defines “YOU.” Find deals for other purchases. I coveted a $99 sweater from J.Crew, but then I bought a purse for only $20 for a wedding. You can justify the expensive purchase. The sweater will last for years, amortizing into less money. If I wear the sweater often, cost-wise it pays for itself, while the wedding purse I might only use that one time.

7. Accessories are inexpensive ways to refashion the look of your outfit.

An $8.00 leopard print scarf I bought at H&M compliments my chartreuse cardigan, jeans and black boots. It’s a dressy-casual look that suits my style. And the scarf goes just as well with a knit purple dress and heels. A few strategically picked accessories means less outfits to buy.

8. Consider buying your purchases in the months they are traditionally on sale.

If you’re not in a rush to buy new towels then why not wait until January or August. Or if you thinking of painting your bedroom Robin Egg blue, that paint will be cheaper in April.

9. Sign up for email blasts from your favorite stores.

Stores will alert you to their sales and often give email subscribers exclusive discounts. You will learn about sales before the average customer. Then instead of spending a fortune on the skirt you admired earlier in the season you can scoop it up at a bargain.

10. Shop from your home and comparison shop online.

Yeah, why not. Shop in your pjs, my favorite way to shop. What do you think?

Dental Insurance And Individual Health Plans

You could rarely find and buy individual health plans that also cover dental hygiene. There is useful information that people should know particularly if they consider buying the policies separately.

It is estimated that about 45 million Americans currently don’t own any dental insurance policy. Most non-elderly citizens who own individual health plans also own dental hygiene policies. However, majority of people who buy health insurance plans by themselves do not have dental insurance. This data is based on a report released by Centers for Disease Manage and Prevention.

While individual health plans cover several added services like basic emergency care in addition to costs of prescription drugs, they logically are not necessary to include coverage for adult oral care. Nevertheless, for health insurance policies for children, dental services are needed.

In March 2010, reforms to the healthcare insurance coverage were set. However, despite the push exerted through many advocates, that bill did not include the wider dental component. Supporters and proponents of the reform argued that each health plans already cover costs for other pressing health problems like diabetes and heart diseases.

About 75% of 172 million Americans under age 65 years (who own private health insurance plans) have dental insurance plans as well. Their employers mostly supply the health insurances. Among those with separate dental protection, more than a quarter of them have comprehensive plans with dental insurance while one fourth have stand-alone plans. Some have both.

About 90 million Americans own individual health plans through Medicaid and Medicare insurance, which both do not offer dental care programs for adults. There is no figure available regarding public health insurance plans. Medicaid shoulders dental take care of people under 21 years old. The insurer currently serves up to 45 million people of the low-income group. However, such patients complain about troubles to find accredited dentists.

A separate government-sponsored program provides dental hygiene, albeit limited. It is the Children’s Health Insurance coverage Program. As for the older people, they could always choose to purchase separate dental care policies from health insurance companies.

Do you look for health insurers that also offer dental hygiene plans? Data from the Association for Health Insurance Plans reveal that we now have only a few insurers that do so. Individuals include Cigna Corp, Aetna Inc, Assurant Inc, Humana Inc, as well as UnitedHealth Group Inc. The association represents up to 80 of overall dental insurance plans in america. There are also health insurance plans that offer dental coverage included in health policies. They include several and specific programs from MetLife, Principal Financial Group Inc, and Azure Cross Blue Shield Association.

Experts advise people to purchase dental care insurance policies even if they currently own individual healthcare plans. Purchasing separate plans is more advisable especially because it might be very hard, if not impossible, to find and purchase health insurance policies that also include dental protection.

The Good Things About Travel Nursing

If you have been given the chance and have passed the qualifications of one full year, a career in travel nursing might be in the works for you. This career path may add a whole new exciting chapter in your life and in the life of your husband or wife or your partner in life. This will also give you the chance to go to a different place and get paid for doing your profession as a nurse. The best thing about it is that more often than not your board and lodging will be paid for and you will be provided with travel insurance. Now how do you define travel nursing?

There are countries around the world that are starting to feel the shortage of nurses. This includes some first world countries. According to a United States government study, by the year twenty-twenty, the nursing field in the nation may come up short of about one-million nurses because the rise in the demand for this career is far lower than the number of people choosing to pursue a career in nursing.

The interesting thing about this scenario is that the financial aspect is not the biggest reason for this. The main reason why nurses jump onto the bandwagon is that they are not satisfied the working environment and policies found here. Another first world country that is experiencing this major problem is Australia. But the Australians have different reasons for this shortage. These reasons are the absence of care for children and superiors that are not very appreciative.

Your options
The good thing about this new career is that the person applying as a travelling nurse is in total control where he or she wishes to work and he or she can dictate the length of his or her tenure. If your choice is to work within a big city, then it is best for you to ask for a placement in any of the big city hospitals like the ones in New York City or Los Angeles. But if you are well experienced in working in a rural setting then it might be best for you to look for a placement in a similar setting nut in a different area. At first, the lengths of contracts given to travelling nurses are on a short term basis. In the United States of America it usually lasts from one to three months. This allows you the chance to move to another place quickly as soon as your contract expires or if not, you have the option to go back to your original area of work. Another option is that you could entertain the thought of asking for an extension of your contract.

Travel nursing also allows the nurse concerned the option to bring along his or her partner or spouse to where he or she will work. There are some establishments in other countries that offer board and lodging available for couples. But if you want to set out as a travelling nurse alone, you will be offered the option to board and lodge with other fellow travelling nurses which should give you a great chance to make new friends. This will also give you the chance to learn from the other travelling nurses the places that are not suitable to go to and practice nursing.

If you are tired and burned out of working in the same hospital day in and day out, becoming a travelling nurse might be the solution to this.

Online job hunting
The notion and misconception that the only things nurses do is to follow what the doctor needs them to do and wear that crisp white uniform is absolutely a misconstrued idea. In today’s medical field, the duties and responsibilities of those practicing in the nursing field have grown differently. And because of this, nurses have achieved a different identity other than just merely taking down doctor’s orders. There are a lot of nurses achieved leadership status in the medical field are will not be satisfied by mediocre work. The travelling nurse is another important addition to the growing fields in the nursing profession. This offers more chances for nurses to grow in another field of nursing.

One of the biggest advantages that a nurse can have is the training he or she can get regarding management fundamentals and experience in surgery. There are a lot of schools, colleges and government agencies that offer degree courses in nursing. If you are one of those who want to pursue a career in nursing, you will find a lot of job opportunities that may help you advance in your career as a nurse.

An Attractive Job
Here are some reasons that make the job of a travelling nurse so attractive. A vacancy for a travelling nurse is considered to be an attractive job vacancy. This speaks well especially for women because they are the dominant gender in this field of medicine. One of the reasons why this is a very attractive job for nurses is because it offers the nurses the freedom to travel to different locales. Being a travelling nurse does not limit you from working in the United States of America. Being a travelling nurse will give all the ones applying for a job the chance to work abroad.

Another reason why the travelling nurse has become an attractive job is because of the chance to earn a really good salary package that should always include travel insurance, occupational bonuses, board and lodging and other monetary incentives.

As far as these job vacancies in the United States of America is concerned, one can find these nursing job vacancies by simply browsing through the internet. With a little help by researching through the internet, one can visit websites that offer job vacancies that include opening for travelling nurses. These listings are actually updated regularly. The one thing you can do is to simply choose the right description for you.

There are some online companies that can help you get the necessary travel papers like visas and passports and most specially your working permits.

Car Rental Coupons

Rental cars have become quite popular during the current economic slowdown. People who plan to buy a used car or even a brand new car is getting attracted to different car rental agencies because of the tough competition, cheap prices and unbelievable options car rental companies offer. Several car rental agencies offer car rentals coupons throughout the year for various reasons. Some of the agencies want to promote their business during off season while some other agencies offer car rentals coupons so that their service will be cheaper than that of their competitor who offers similar services.

Once you finalize a rental company suiting well to your needs, you can check on their official website for ongoing discounts and rental coupons. These coupons come with different offers. Some of the coupons offer a discount on rate from 10-50% while some others add 1-5 extra days to your booking period without extra cost. It is up to you to choose the right type of discount. If you plan to rent for long term, a discount on the rental price will be the right choice for you. If you plan a trip for 7 days and find a coupon offering ‘book for 5 days and get 3 extra days free’ will be the right choice for you.

There are several websites that compare different car rental services and their rates. These websites also highlight the ongoing discounts and coupons available. Such comparison websites are a good choice to know what is going on in the neighborhood but always watch out for scam. Try to rent your car from a reputed car rental agency but also check for any hidden costs. Then check for car rental coupons offered by such reputed agencies.

Some coupons also provide free insurance coverage for a selected number of days and some additional accessories like GPS or child seat for free of cost. Such promotional offers may or may not be useful for you. For example, if you are planning to travel somewhere you are not very familiar, a coupon offering free GPS navigation system can be a great choice for you because you hardly will ‘get lost’ somewhere. Similarly a free child seat is good for you only if you are travelling with a child. Car rental companies design their coupons targeting different customers and their various tastes.

If you are planning to rent a car for your vacation trip or for your everyday requirements, check with different agencies for their specialized coupons. Don’t assume that you will not get a discount coupon because its holiday season. There are several service providers and several offers throughout the year and you will not find the best for yourself without constantly checking for them. Websites such as and have coupons throughout the year with a wide array of offers. Even Google is a great place to find information on best deals available.