The idea of purchasing a commercial property is that it is well suited to the needs of your business. This can and is defined by several factors and they will all be considered when you apply for your mortgage. The commercial lender will look at your business and what it does and how it will relate to the commercial property in question.

If your company makes widgets, the lender will want to know how long you have been making widgets. They will also want to know what your growth rate has been over the time you have been making widgets. They will look at the property to consider whether it will meet your needs for making widgets during the lifetime of the loan.

The lender will want to see that you will have room to grow and that you will grow to fill the space. They will also look at the location of the property to see how that is going to work with your widget manufacturing needs. Do you have good access to roads that can handle the volume of traffic that will be generated?

Will there be adequate parking available for staff and customers? Does the location provide room for expansion if your growth rate is more then expected or will you be moving in a couple of years? What tax incentives are available on that property and how long will they be available for that property? Are the tax incentives a one-time offer or are they able to be extended to make the property more appealing.

The things that will make a commercial property desirable will change depending on what your business is. If you want to open a pub, your needs will be very different from that of a factory. The lender will want to know that the property is in a good location to maximize the profitability of the pub. The property could be located across the street from the factory we talked about in the previous example.

The lender will again look at your past performance in regard to operating pubs to make sure that you know how to run a pub. They will want to know what the growth potential is and if the commercial property will meet those needs.

The commercial lender will not give you a commercial mortgage if the property is too big or not big enough to meet the expected needs of the business. If the property does not have enough parking for peak customer traffic, it will mean you could loose business.

The lender will want to know if there is enough space for the number of employees required and if the kitchen is large enough to meet thier needs. What is the maximum seating capacity of the building and how much will the average customer have to purchase to make the payments.

There are many similar small things to consider when deciding if the commercial property being looked at is a good deal for both you and the lender. The list of things that can make or break a property deal is very long and it does change from business to business.

For example for some businesses, it may come down to waste removal. If your business is involved in agriculture, it could come down to the smell. Is the location of your farm upwind or downwind from a population center?

If you are upwind from a population center, there could be some issues as locals oppose your being there. This could create a different kind of pressure on the lender that could make the property less desirable for the commercial loan. An independent broker could help out with this type of issue.

It does not make any difference what your business is, what will make all the difference is what your business needs are and will the commercial property meet those needs. The definition of a good commercial property is one that will meet all your current and long-term plans.

If it does, it will make it easier to get the commercial mortgage you are looking for. It will also help you to get better rates and conditions on your commercial financing.

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Spring is in the air and the summer months are right around the corner.  Another year of school is under our childrens belts and within a matter of weeks, they will be set free to enjoy the warm sunshine and the seemingly endless summer nights.

Summer vacation not only brings change to our childrens schedule, it also greatly affects our routine as moms.  Many of us can find great freedom in our typical workday by including our children in our tasks. This allows us to have more time to spend together to take advantage of the fun activities that bring the playful side out of us.

Try to make these daily chores fun and rewarding for your children.  A great way of rewarding them is by informing them that they will get to go to a certain destination once all the chores are completed.  Our goal is to get the work done as quickly and efficiently as possible and it is amazing how well our expectations are met when the children know there is fun waiting on the other side of the door!

Now, if you are anything like me, you are probably on a budget.  One of the wonderful aspects of living in the country is the fact that we dont have to spend a truckload of money to have fun.  The following is a list of activities anyone can enjoy on any budget.  The important thing is to spend time with our children.  It isnt necessarily the money that makes them feel loved.

Fly a Kite  Children find kites magical and theres nothing like the satisfaction that comes with finally getting that kite up in the air and sailing smoothly!

Grab a Pair of Roller Skates  Havent skated in a while?  Grab those oldies but goodies and dust them off!  Your kids will love the laughter that will come alive when you begin to rock-n-roll!  If you dont have any skates, they are relatively inexpensive at any sporting goods store.

Plant an Herb Garden Purchase some seeds, soil and small pots at your local nursery. The watering and anticipation will continue for days.  Its so much fun to watch the childrens eyes light up when they finally see their first sprouts and even better when they get to taste their first meal with their fresh home grown herbs.

Make a Floral Bouquet  If you dont have your own flower garden, be sure to get permission from the owner of the garden.  Anyone living in a rural area has plenty of wildflowers to choose from and can create a beautiful bouquet with your childrens signature of creativity.

Do a Pedicure Swap  Theres nothing like having a foot rub.  Grab the lotions and potions and put those little hands to work.  Theyll love having their feet treated like royalty and youll be surprised at the great conversation youll have along the way!

Spa Treatment  Boys and girls alike will enjoy a mud mask and skin exfoliation.  They love the textures of the products and especially enjoy having mud on their face.  Honestly, put on your robes and create a memory that will last a lifetime.
Make a Sandcastle  If you live near the coast, take a trip to the beach and let your creative juices flow.  Make sure to bring your sunscreen.

Take a Hike  The fresh air does a body good.  Find a trail and enjoy a bit of nature.  Pack a lunch for an outdoor picnic.  Dont forget the bug spray and the sunscreen!

There are many more adventures for you to enjoy without spending a lot of money.  For those of use with multiple children, well take all the freebies we can get.  With all these great ideas in mind, go and enjoy your summer.  Youre kids will thank you for it!

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How would you like to spend a day without using electricity? There is no possible way to get around in our daily lives without electricity. Power failure quickly becomes a crisis situation. But at the speed we seem to consume electricity, it is difficult to obtain enough of it without spending a heap of money. It is time to tighten your belt and save some electricity and pay lesser electricity bills.

You need not stop yourself from recharging your phones or washing your laundry to save electricity. From the time we wake up, we depend on electricity. All you need to do is to know how to distribute the time and electricity each device consumes. For high power-consuming gadgets like air-conditioners and washing machines, use them sparsely. Use your washing machine only when there is enough load of clothes to put in. Likewise, switch your ACs off intermittently instead of leaving it on for the whole day.

Did you know that you can use all your home appliances on solar power? You can switch to alternate power sources like wind power or solar energy. Domestic solar power plants are cheap, easy to set up and maintain. Do not worry if you live in a cloudy place. Even then, solar energy is reliable as solar earth days are more in number than non-solar earth days. You can also sell the unused solar power to retailers around you. Consider options like wind turbines or solar energy plants for light at a lighter price.

Here are useful tips for cheaper electricity. Turn the temperature down on your water heater to warm setting. If you have energy saving settings on your dish washers, washing machines, clothes dryers or refrigerators, opt for them. Use fluorescent bulbs instead of the incandescent lighting. The fluorescent ones use only a little more than half of the power of incandescent lights. If your room heaters or ACs are old, replace them. Take them to a service promptly each time they need it.

There are many companies that supply electricity on cheaper prices. These companies manufacture electricity from other sources such as biogas, wind power, solar energy, and coal and water plants. Firstly, search thoroughly online or on street before you go for an electricity company. This will help you compare prices and opt for a cheap electricity plan. Try to burn less electricity at your homes. Each time you leave a room, whether at home or at office, check if all electric devices are switched off. Make sure that you do not leave any electrical equipment like television, computer, DVD systems or radios on the standby option. If you are not using them, switch them off. Be patient and switch them on again when you want to use them. Also the blink-lights on these devices consume a lot of energy. The energy that a dozen blink-lights consume an entire week is the same as the energy on which an average household runs a whole day.

Trying for cheaper electricity is ecologically and economically profitable. So, change the way you use your light.

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"We are looking at smaller format stores (1,500 sq ft). Our studios (offline stores) drive tons of engagement and also see 1.The company aims to touch a GMV (gross merchandise value) of USD 1 billion by March 2021 as it scales up its operations across metros and tier I and II cities.The Mumbai-based company, which has two warehouses in Mumbai and Gurugram, is also keen on tapping new-age technologies and will invest in areas like augmented reality/virtual reality to lotion pumps wholesale enhance customers shopping experience. The marketplace claimed it gets over seven million monthly visits, and the average ticket size (for furniture) is about Rs 17,000-20,000.It has recently launched a new gift registry service on its platform that allows consumers to gift home and furniture products.New Delhi: Furniture and home products marketplace Pepperfry expects to pump in about USD 12 million (over Rs 85 crore) this year as it sets up over 100 offline stores and strengthens its supply chain operations to reach more customers.

The company is looking at tapping into locations like Goa, Lucknow, Vadodara, Imphal, Hubbali, Coimbatore, Trivandrum, and Mysore among others with its retail expansion..Through its Studio Pepperfry, the company showcases a curated range of furniture from its online portfolio. Most studios break even within 4-7 months," Pepperfry COO and founder Ashish Shah told PTI. We are also looking at launching standalone studios for Casacraft - one of our in-house furniture brand," he added.."Over 20 per cent of the 100 Studios being planned will be standalone Clouddio stores. The idea is to be in residential catchment areas and solve for access than be present in just high street areas.Pepperfy has a number of in-house brands like Woodsworth, Mintwud, Casacraft, Amberville, Bohemiana, Mudramark, Mollycoddle, and Clouddio.5 million registered users.He added that currently, the company has 42 such studios with 12 under franchisees and the remaining 30 are owned and operated by the company. By March 2020, we are looking at over 100 new stores in top eight cities and more than 20 in tier I and II, taking the total to well over 150 stores," he said.8X repeats.Pepperfry, which has 10,000 sellers on its platform, has more than 4."We expect the capex to be be about USD 11-12 million in the next one year as we set up these new stores as well as invest in a new warehouse in Bengaluru," Shah noted. It also offers interior designing consultancy at these stores.."The omni-channel strategy has worked well for us.The company has raised over USD 150 million in funding from Goldman Sachs PE, Norwest Venture Partners, Bertelsmann India Investments and others.Shah explained that many of these stores will also be dedicated stores for its in-house brand Clouddio (for mattresses and pillows) with the first of such store being launched in the coming weeks.