What are the most important qualities to look for in small business commercial mortgages? This article describes four such qualities. But if a commercial borrower can’t find all of the commercial mortgage qualities that are considered most important, then which qualities should be viewed as the most critical? The answer to the latter question will often depend on the borrower’s unique individual circumstances. For some borrowers there may only be one or two critical qualities that will be essential to the success of their loan. For example, if a commercial borrower needs to refinance a business property and get $1 million in cash to do with as they choose, the ability to get unrestricted cash out will probably supersede the four loan strategies addressed below.Aside from special situations like that, the following advice about four important strategies is based on commercial mortgage qualities considered to be repeatedly critical to the long-term success of a business. There is no attempt to rank these four commercial mortgage strategies in any particular order.ONE:Commercial mortgage borrowers should seek out long-term commercial mortgage loans that are not subject to recall or balloon payments. Commercial properties should not be financed with short-term funds. It is essential to obtain long-term financing of at least 15-20 years (and longer is even better). This is a prime example of using contingency planning to help commercial borrowers adapt to unknown future circumstances. Commercial borrowers should expect to encounter higher interest rates for longer-term financing (when compared to short-term traditional bank loans). However, most commercial borrowers will be pleasantly surprised when they see lower monthly payments in spite of a higher rate. The resulting improvement in positive cash flow can be the critical difference that creates a truly successful business investment.TWO:Commercial real estate loans under one million dollars should be assumable. This strategy is primarily about flexibility and providing for a more orderly transfer of a business to someone else in the future. It is also an example of using contingency planning to select a commercial lender by anticipating future circumstances and selecting a commercial real estate loan that will help a commercial borrower adapt to those circumstances.THREE:Seller seconds and other variations of subordinate financing should be allowed. This will permit the most aggressive Combined-Loan-to-Value (CLTV) for commercial mortgages, up to 95% of the property value. This is important if you are the buyer because it will provide another financial tool to help with financing. It is important to the seller because it might enable someone to buy the property who could not otherwise do so.FOUR:Commercial mortgage borrowers should seek out lenders using Stated Income commercial loans and limited documentation requirements. Very few traditional banks use Stated Income (no income verification and no tax returns) for a commercial real estate loan. Most commercial lenders will perform a thorough income verification as part of their underwriting process. This will typically include copies of tax returns as well as a requirement to sign IRS Form 4506 which authorizes the lender to obtain tax returns directly from the IRS. Many traditional banks will have loan covenants stipulating that the lender must receive financial data even after the loan closing and that the loan can be recalled if the audit of this data is not satisfactory to the lender.Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.

An ornament is a decoration. The significance of ornament has risen dramatically in recent years. Because ornaments are one of the best home decor products, interior designers are stressing their use to enhance the home’s look. Wooden duck ornament is a piece of delicately carved decorative art. Wooden ducks can be used as both beauty and luck to the abode.

First of all, a duck is any cute-looking waterbird that is relatively small and short-necked, which symbolizes love, family, vigilance, clarity, protection, feelings, grace, good fortune, and strength.

Duck ornaments as a symbol of Love

Ducks have the same privileges as love birds regarding marriage, relationships, love, and affection. Paintings of duck couples can be found in bedrooms, and bath towels folded in the shape of ducks can be found in hotels, offering a warm and affectionate sense. It’s been known since ancient times that having a pair of duck paintings or showpieces in the house provides good luck in partnerships.

The Duck couple has been memorialized in wedding presents such as wooden carvings and even in the language of love. This is because these ducks are monogamous, meaning that once they find a partner, they stay together for the rest of their lives. As a result, they have become the ideal emblem of devotion, marriage, and love. In the Korean wedding ceremony, it is customary for a man who intends to marry to purchase a pair of live ducks as a gift for his future wife. This tradition allows for using wooden ducks instead of actual birds to symbolize matrimonial harmony.

Duck ornament as a symbol of vigilance

A wooden duck ornament represents vigilance, which is the act of paying attention to what is going on around you. It could be for safety reasons or to keep an eye on prospective opportunities. Ducks are recognized for their affinity for water. Flowing water is frequently associated with transformation and clarity. Ducks are hence symbols of clarity, honesty, and simplicity.

Duck Ornament from the point of Vastu

Vastu is concerned with the flow of energy into your home and life. In Chinese Vastu, the duck occupies an important position. Ancient Chinese believe that keeping ducks in the home always brings good luck and fortune. Keeping a pair of wooden ducks can help you find your soul partner more quickly or resolve marital disputes. They claim that it promotes internal peace and calm and cooperative relationships among the structure’s occupants.

Duck ornament as a show-piece

A showpiece is a must-have for every home decor. Wooden ducks ornaments offer a lovely touch to a corner or embellish showcase, making your property appear more aesthetically pleasing.

Duck ornaments as gifts

Gifts may bring a smile to anyone’s face, whether it’s for a particular occasion or simply to express affection to those you care about. showpieces are wonderful for displaying your special, priceless moments and gift memories, as well as giving you pride of place in their hearts. The wooden duck ornament will serve as an ideal present for your friends all family for the occasion of birthdays, housewarming, or casual get-togethers.

I am just now concluding that narcissism is a virus that has infected everybody in the world that is breathing air. I even apply this to my own life with a great deal of regret.

Nobody wants to admit they have narcissistic leanings in their life. And yet, if you listen to them, and even listen to yourself, you will see it. I did not know how aggravating it was, but I was to learn pretty soon.

Recently I had a heart attack and had a stent put in one of my arteries, the widow make her. It was this experience that showed me the level of narcissism in my own life.

When anybody would call me and ask how I was, I would mention that I recently had a heart attack and had a stent inserted in one of my arteries. Before I can even get to the end of that sentence, the person on the other end of the line will say, “Oh, a couple of years ago, I had a heart attack and had two stents put in.” And then they would go on and on and on about their condition and experience.

When I thought we had come to the end of that conversation, they then mentioned, “And I have a cousin who had a heart attack and had several stents put in him I can’t remember how many.” Then, were all down another rabbit trail. I sure would like to catch that rabbit.

Coming to the end of this conversation, I said, “Well, I hope you’re doing well.” To which I got the reply, “Thank You, I appreciate that.”

Hanging up the phone, I thought a bit that the person on the other end of the phone did not allow me to tell my story.

For me, this heart attack was quite an experience that I never expected to experience. I know my father had several heart attacks, but I never assumed he had willed it two me. It’s during these times that you think seriously about dying.

I have been tempted to spread the rumor that I won the million-dollar lottery for the week. Once that got out, I would get all kinds of calls to hear my million dollars’ story. But, of course, I know that they would want to be put on my Christmas list.

The discouraging point is nobody wanted to know the story of my heart attack. My heart attack was an opportunity for them to brag, or so it seemed, about their heart attack or their uncle’s heart attack or somebody else’s.

After going through a heart attack why do I want to hear about someone else’s heart attack and how they got through it.

Of course, that is my narcissism coming to the surface. I want everything to be about me and center on my life. I’m not sure what to do or how to deal with this narcissistic virus that seems to be penetrating my life.

I don’t think I will bring this up with my doctor the next time I visit him. I suspect he would send me to his psychology friend, and I certainly don’t want that kind of examination. I don’t think I could pass.

The one thing I have learned about this narcissistic virus is that there comes a point where it explodes. I didn’t know that before, but I found out just recently.

Another friend called and asked about me, and I said I just had a heart attack and had a stent implanted in my artery. Again, before I could get to the end of that sentence, they began explaining how they also had a heart attack several years ago, and they had four stents put in. Then they went on and on about their heart attack and how it changed their life, and what they did to keep from having another one.

I don’t know what triggered my explosion, but all of a sudden, I heard myself saying, “Hey, stop right there. This is my heart attack, not yours. This is my story, not yours.”

Then without hesitating, I went into my story in every detail I could think of at the time. I only wished I had recorded it so I could know what I actually said.

Just before I hung up, the person on the other end said, “Well, I’ll be praying for you, and I hope you get better.” Then there was that infamous “click.” And the conversation was over.

I hung up the phone and turned around only to see the Gracious Mistress of the Parsonage staring at me with one of her “stares,” and I heard her say, “What in the world did you just say?”

At that moment, I knew I was in for some trouble, so I said, “I’m not sure; what did I say?”

I knew she would tell me what I said, so I didn’t need a recording of it. But I kind of lost control because of that narcissistic virus that has infected me.