Big Stick

Choosing the Best Style for Your Needs

If you are planning on purchasing new dining room furniture, you have a big decision to make. The furniture will be in your home for a long time and will become a part of many family memories. How can you determine what dining room furniture is right for your home? When you’re choosing dining room furniture, you want to be sure that you are buying a table and chairs that will fit well into your room and give you the flexibility and space you need for those special meals. You want a table that will look great when it is not in use, able to accommodate people comfortably, and wide enough to fit all place settings and serving dishes. Also consider how often you will be using the room and what for.

Pick Dining Room Furniture That Fits Your Lifestyle

Is your dining room more of a multifunction room rather than just a room for dining? Do the kids do their homework at the table? Do you use it as a workspace for projects? Is this where family and friends gather to play games? If so, you may want a more casual style for your dining room. The popular pub-style tables teamed with bar stools could be a good choice for you. You can comfortably seat up to eight people equitably around the table.

If, on the other hand, your dining room serves as a space for informal family dinners and gatherings, you may want to consider larger dining room furniture to accommodate your gatherings. If you use your dining room for family meals, you may want to consider purchasing casual dining room furniture that is both practical and pleasing to the eye.If the dining room is a place your family frequents daily, you will want to make sure it is also durable, welcoming, and comfortable.

If you frequently entertain company, and your dining room is reserved strictly for special occasions and gatherings, such as holidays, you may want to go with a more formal and elegant approach to your dining room furniture. You will want your dining room furniture to be warm and elegant for your guests, and to create a memorable experience. If this is the case, formal dining room furniture may be the right choice for your needs.

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How To Owner Finance Your Home

You’ve seen the real estate ads in the classifieds section of the newspaper: “Owner Financing Available” or “Owner Will Carry”. An owner financed real estate transaction enables the buyer of the property to make payments directly to the seller.

This allows the buyer to purchase the real estate without having to apply for a mortgage from a bank or financial institution. The seller also has the option of selling the loan to an investor for cash.

Of course, there are lots of variables that work into a price offer including type of property, location, age of house, equity, is the buyer making the monthly payments, etc. These are just some of the things an investor likes to see. Investors buy all sorts of real estate notes and deeds of trust. Every house is different, every loan is different and every deal is different. Use the above list to make the loan more attractive to an investor.

ADVANTAGES OF OWNER FINANCING THE SALE

Sell Your Property For Your Desired Asking Price
A buyer may be perfectly happy to pay market value (and maybe more) for a house that requires a smaller down payment and that a bank won\’t help them finance.

Charge a Higher Interest Rate Than a Bank Would Give
By charging a higher interest rate than a bank (say 7.5 – 8.5%) you are, in effect, increasing the overall sales price of the property, and making the note more attractive for an investor.

Faster Sell
You can sell a home with owner financing a lot quicker than with bank financing and there can be tax advantages in spreading the buyer’s payments out over time (talk with an accountant about that).

Great Monthly Cash Flow Investment
Many owners simply like the idea that they can receive a monthly income and a high interest rate from a property even after they have sold it – and no longer have to worry about repairing leaky roofs or replacing dead water heaters.

Sell The Note To An Investor
A seller who owner financed the deal also has the option of selling that note to an investor for cash either right after closing or after waiting a number of months or years (give me a call or email and I can get you more information about selling your note).

We Buy Your Business

Getting out of business is a process. The length of time required to complete the process is directly related to the complexity of the business, and the circumstances underlying the decision to get out. Planning how you exit your business is just as important as how you started it.

The exit process, timing of events; and tasks associated need to be tailored to the type and complexity of the business. Each case is individual because reasons for dissolution differ, and problems that arise are unique to each circumstance. The following checklist contains key elements that should be evaluated as early in the exit process as possible to eliminate pitfalls later on.

The process for exiting a business should include evaluation of the following points:

1. Engage Professionals & Consultants as Team Members.

2. Prepare a List of Assets & Perform a Physical Inventory.

3. Perform a Valuation of the Business.

4. Prepare Detailed Plan & Assign Responsibilities.

5. Release Announcements & Notices.

6. Conclude or Transfer Contract Obligations.

7. Dispose of & Transfer Assets.

8. Settle Accounts Payable & Debt Obligations.

9. Prepare Final Financial Statements & Tax Returns

10. File Articles of Dissolution.

11. Prepare & Issue Special Filings, Notices, Informational Returns, & Taxes.

12. Receive Tax Clearance Notice.

13. Close Bank Account.

14. Store Business Records

The process for successfully exiting a business requires the same amount if not even more planning as starting the business. While the process may be easier, it is likely to be less enjoyable and more stressful. The best advice for business owners is to incorporate potential exit strategies in the early stages of setting up their business. Vigilance and diligent managerial oversight is needed to ensure that complications and problems which could affect dissolution, and net value, do not develop into roadblocks. When the time comes to divest or sell the business, be sure to engage the relevant expertise needed, and prepare an action plan.

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