Performance coaching is a term that is used commonly in business. Life coaches can use this approach to when they are dealing with a client that is coming to them for professional coaching services. There are all different levels of professionals that would come to a life coach for their professional coaching needs.

For example, a person might be fresh out of college. They might have practiced scenarios in the classroom about how things will be when they graduate, and they start working in their career fields. They might have even read their books about how things will be. These books have been written by industry insiders. However, the only real way for the college graduate to gain their real world experience, is to show up to work and experience the job and experience life. Because this person is brand new to their career fields, they will have so many questions and they will make so many mistakes. Performance coaching can help them in a couple of ways. First, they can gain feedback about their mistakes and learn how not to make the same mistakes. They can also learn any inside unwritten codes and rules that might apply to their situation.

Performance coaching is great for a person who is making serious plans to get their career going to the next level. They might have thought about taking steps towards a promotion, and now they feel the confidence that they need to make such a move. Of course this person would want to make sure that they are getting everything right, and that they look good in front of management. A life coach in this situation would encourage them, and hold this person accountable to their promotion goals. They would make sure that this person has a checklist to set them on the right path. When this person has reached their goals, the life coach can then celebrate with them, and then get them on the path of growth so that they can fit into their new position smoothly.

Performance coaching can benefit the employee and the boss. A good supervisor will care about not only how he comes across to his bosses, but how he comes across to his employees under him. A good supervisor needs to know how to address and how to inspire his employees. The key for this person is to get his employees to carry out the task and the demands of the job in a way that will make them want to stay employed with the company. A life coach will teach a superior on how to be a boss that people want to work for. By the same term, maybe an employee likes their company, and they want to stay on for a while. Getting performance coaching from a life coach will help the employee know that they are on the right track. At the same time, the employee can know if it’s time to go for a promotion, or if it’s time to leave for another opportunity altogether.

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Traditional banks serve a very important role in the North American economy. Nevertheless, when it comes to a business loan, there are many reasons that small business owners should not always use a traditional bank. There are not just one or two major reasons to obtain a small business loan from another source. As you will see below, there are over a dozen compelling reasons to consider a source other than a traditional bank for a small business loan. For most small business owners, five to ten of these reasons are likely to be applicable to them.

With many small business loan borrowers, banks have already declined their loan application. That particular compelling reason to use a source other than a traditional bank (being declined by a traditional bank) does not even appear on the list below.

Here are 14 compelling reasons a small business owner might not go to a traditional bank for a commercial real estate loan. The compelling reasons shown below also indicate that for business borrowers that can get approved at a traditional bank, there might be better options available elsewhere.

Reason # 1:

Minimum commercial real estate loan for many banks is $250,000 or more. With non-bank small business lenders, the typical minimum commercial loan amount is $100,000.

Reason # 2:

Most banks charge an up-front commitment fee. Most non-bank small business lenders do not charge an up-front commitment fee for a commercial mortgage.

Reason # 3:

Most banks will severely limit the amount of cash a business borrower can get when refinancing a commercial mortgage. When a borrower is refinancing their business property with non-bank small business lenders, they can typically get up to $1,000,000 in cash.

Reason # 4:

Most banks are reducing their commercial real estate loan interest in properties such as bars/restaurants, auto service businesses and funeral homes. Non-bank small business lenders are very interested in these business categories (and many other special purpose properties) for a commercial mortgage.

Reason # 5:

Most banks will require business plans for a commercial mortgage. The cost to provide this is usually several thousand dollars. Non-bank small business lenders typically do not require business plans as part of their underwriting process for a commercial real estate loan.

Reason # 6:

Most banks will require tax returns for a commercial mortgage. Non-bank small business lenders do not require tax returns or any income verification for a Stated Income commercial real estate loan. Many banks not requesting tax returns will ask borrowers to sign IRS Form 4506 (which authorizes the lender to obtain tax returns directly from the IRS). Non-bank small business lenders typically do not request borrowers to sign this form.

Reason # 7:

Most banks will require cross collateralization of personal property for a commercial real estate loan. Most non-bank small business lenders do not require cross collateralization of personal property for a commercial mortgage.

Reason # 8:

Most banks will require balloon payments or the loan will be subject to recall after periods as short as 3-5 years for a commercial mortgage. With a commercial real estate loan via typical non-bank small business lenders, all properties are eligible for 25-year loans and some up to 40 years.

Reason # 9:

Most banks will not permit seller seconds or secondary financing for a commercial real estate loan. With many non-bank small business lenders, if the business borrower uses a seller second or other secondary financing for a commercial mortgage, the business borrower can obtain a loan with a CLTV up to 95% of the property value.

Reason # 10:

Most banks require income verification or audits even after the commercial real estate loan closes. Non-bank small business lenders do not verify income either before or after a commercial loan closes with a Stated Income Business Loan Program.

Reason # 11:

Most banks have strict guidelines for “sourcing” or “seasoning” of assets or ownership to qualify for a commercial mortgage. Most non-bank small business lenders do not have any requirements or limitations involving sourcing/seasoning of funds or seasoning of ownership.

Reason # 12:

Very few banks offer an assumable commercial real estate loan. Typical non-bank small business lenders have an Assumable Commercial Loan Program which includes loan amounts up to $1 million.

Reason # 13:

With most banks, a typical commercial real estate loan will require 3 to 9 months to close. At typical non-bank small business lenders, most commercial mortgage loans close in 45 to 55 days.

Reason # 14:

Very few banks use Stated Income (no tax returns, no income verification) for a commercial real estate loan. Non-bank small business lenders use the Stated Income Approach for commercial mortgage loans in their Stated Income Business Loan Programs (most commercial mortgages up to $2 million qualify for these programs). This especially benefits self-employed small business borrowers who frequently have income that is erratic and difficult to document properly.

As noted above, there are many reasons that small business owners should not always use a traditional bank. A recommended follow-up to this article provides a review of the Top 12 commercial mortgage loan problems that small business borrowers should avoid ( http://steve.bush.googlepages.com/home ).

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Freelance writing opportunities are on a rapid rise these days and one may think that is a crazy statement since newspapers and magazines are going out of business in record numbers.

The reason I say that freelance writing opportunities are on the rise is due to the sheer amount of content on the internet.

Think about the billions of websites and blogs online that require a constant feed of written content to keep visitors coming on a daily basis. This actually presents more opportunities in freelance writing than were ever available in the off line print world.

The key is finding legitimate opportunities that require writing work from freelance writers. There is actually more work out there than most people realize and the reason you cannot find it is because you have to weed through the maze of scams and junk.

Many online business owners and even bloggers these days rely on the skills of freelance writers to provide a daily stream of content to their sites and blogs.

The reason for this of course is because we have become and “instant society”. The second a news story breaks or anything happens anywhere we want to know right now.

We also turn to the internet for information about a wide range of things we are interested in or want to learn.

Writers have to create all this content. Now maybe you can start to see there are an incredible amount of opportunities for freelance writing and beyond writing for others you can use your skill or passion for writing to make money in tons of other ways.

A great way to start taking advantage of freelance writing opportunities is to find a group of online business owners or site designers that simply do not have the time or skill to write their site content.

You can simply perform the topic research and craft article content for those business owners on a pay per submission basis. This approach alone could keep a writer busy on a full time basis while earning a very nice income.

Blogging about any topics you desire and adding in some paid advertisments can bring in a nice part time income and even grow into a six figure business as has been the case for many who started out freelance writing.

You have to be careful because there are a ton of “online informercial” type programs that target those who are looking to get paid as writers with opportunities that are not so great.

Either they pay pennies and you will literally have to write 10-12 hours a day to equal even a low paying hourly wage or they are simply a waste of time.

Just remember there is an entire world of website and blogs out there. Someone has to provide the content that visitors come to read. This means an incredible amount for real and legitimate freelance writing opportunities for skilled writers as well as those who simply have a passion for writing.

It can be a awesome way to make a living.

About the Author: Steve Phipps is an online business man that got his start as an online freelance writer. He has put together a nice video site and free newsletter for anyone interested in real legitimate freelance writing opportunities. You can visit his site at: http://www.authorsnook.com

Source: www.isnare.com

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