What is a Commercial Mortgage?

Commercial Mortgage

Most people are familiar with the process used to gain a residential mortgage for the purposes of purchasing a home, which seemingly never-ending monetary obligation the homeowner must make until that loan is paid in full.  Perhaps you remember your parents, or a relative, celebrating the payment in full of that loan by having a “mortgage burning celebration”.

Procuring a loan for the purpose of purchasing a building, maybe to be used as a family business, or a retail store, can be a rather arduous process.  You must have all your finances and paperwork in order before you even attempt to begin that venture.  Is this a daunting task?  Well, you could make it easier on yourself if you secure the help of an expert who specializes in loans for retail construction.  Such an expert would be instrumental in paving the way for a potential future business owner to achieve a commercial loan with minimal obstacles to that ultimate goal. Continue reading “What is a Commercial Mortgage?”

How to Attract and Retain Workers

Attract and Retain Workers
Whether you’re a long-time employee, or seeking a new job, of course you want job satisfaction, but, even more importantly, you need to ensure you have good benefits or “bennies” as they are often referred to.  While health insurance, disability insurance, and life insurance packages provided to employees are fairly standard, employee benefits for financial perks are also attractive, no matter the age of the employee.

Traditional benefits

Employers who are savvy provide plenty of incentives to their employees to keep them aboard.  By offering a compensation package of the most sought-after benefits, they’ll lure the best workers.  Traditional benefits like adequate paid time off (“PTO”) and sick days are always appreciated and pretty standard as benefits go.  Likewise group health insurance is always a draw, especially with a lower deductible, less co-pay amounts and good prescription coverage.  Add the ability to have a flexible spending account (“FSA”) for your health insurance and employees will say “now you’re talkin’”. Continue reading “How to Attract and Retain Workers”

Types of Life Insurance

Types of Life Insurance
To be truthful, the majority of people don’t give much thought to life insurance policies.  Many employers provide life insurance benefits, and, be honest now… you give life insurance paperwork a cursory glance, wherein you might study your health insurance benefits a little closer.  For those who are not fortunate enough to have a life insurance policy through your employer, you probably push the thought of getting a policy in place to the back of your mind.  After all, who wants to deal with that morbid topic?  But procuring life insurance is not something you do so much for yourself, as for the loved ones you leave behind.  In fact, people are so lackadaisical regarding life insurance, often you are spurred to taking action only when someone you know relays their terrible tale of woe to you after their loved ones dies, and, then you vow that you won’t let that happen in your home. Continue reading “Types of Life Insurance”

Types of Long Term Care Insurance

Types of Long Term Care Insurance
Our world is crammed full of statistics, and, a good many of them are related to our short-term and long-term health.  The latest surveys show that Americans are living longer.  Well… hooray to that factoid, and to know that we have a longer life expectancy might just fulfill our every dream and allow us to check off every last bucket list item.

But, the other statistics don’t paint such a rosy picture.  Even if you don’t have any health-related genetic issues, and are relatively healthy, it is logical to assume that the older you are, the more likely that long-term care is in the cards for you. Even if you are blessed with good health now, a chronic condition such as high blood pressure or diabetes, or even a history of lackluster diet and exercise habits, could severely debilitate you in later years, thus necessitating long-term care.

Did you know?

  • 70% of people who reach the age of 65 can expect to need some form of long-term care during their lifetime?
  • Women outlive men by about five years on average, so they are likely to be living solo in the home once their spouse has passed away?
  • Disability from an accident or chronic illness accounts for many needing long-term care? Between the ages of 40-50, 8% of people have a disability which might require long-term care services and after age 90, the percentage jumps to a whopping 69%.

Continue reading “Types of Long Term Care Insurance”

Types of Disability Insurance

Types of Disability Insurance
If you work for a large or medium-sized company, you’ve probably never given much thought to disability insurance or life insurance.  Those are just a couple of benefits, (or “bennies” as that term is often used), that a company generally provides to its employees.  The larger the company, the cheaper the premiums are to the company, and they are able to provide some peace of mind to their workforce.  In fact, it is probably something that most employees just take for granted.

If you are launching your own company, or leaving a company where disability benefits have always been provided, you should ensure that you have a disability insurance plan in place as quickly as possible.
Continue reading “Types of Disability Insurance”

How to Live a Healthier Life

Live a Healthier Life
Living your life is like saving money in the bank – the more you contribute to the end goal, the better off you are.

Whether you are a young athlete or an older sedentary secretary, you can start today – right now – to live a longer and healthier life.

Secrets to a healthier life

We don’t have to read the “New England Journal of Medicine” or be a doctor to know that moderate exercise and a good diet are fundamental principles for a healthy lifestyle.  But interestingly, if we scan the headlines in the newspaper, or follow social media, the list of foods that are good for us seems to change all the time, as does other behaviors.  For example, for years the public was told to drink skim milk, or very low-fat milk instead of whole milk.  Obediently, most of us followed that suggestion, and eschewed the rich creamy taste of whole milk and opted for skim, which tastes like white water.  Likewise, the consumption of more than a few eggs a week was considered bad for you for years.  And everyone knows the expression “move it or lose it” which encourages us to exercise.  But in the last few weeks, the media has informed us that dietary guidelines have changed… whole milk is being embraced one again and eggs are back on top, even on a daily basis, thanks to the trending protein diet.  And in the last few days, experts tell us that a sedentary lifestyle won’t kill us… so you can feel free to be a couch potato… sometimes anyway.
Continue reading “How to Live a Healthier Life”

Creative Holiday Party Ideas

Holiday Party Ideas
The holidays are often a whirlwind of activity beginning on Thanksgiving Day and lasting through January 1st… the average person has multiple events to attend, and, by the time that last holiday canapé has been sampled and champagne glass clinked and drained, you are often too pooped to participate in just one more party.

If you’re the host or hostess of a holiday get together, don’t let your invitation get discarded or be RSVP’d as “sorry I can’t make it” because it portends to be the same-old, same-old holiday gathering.  This year show some ingenuity and create a party with pizzazz!

The holidays are a perfect time to get together with family, friends or co-workers.  An intimate gathering at your home is one thing, but once you start getting together a guest list, you’ll quickly find that your holiday get together has morphed into a large gathering, so a rented hall might be more feasible.  Your best bet is to reserve the facility early as such places book up quickly, especially if you desire to have the event take place on a Friday or Saturday and a date closer to the holiday.  When choosing a holiday party venue there are many things to consider, the size of the venue, parking, public transportation, catering and much more. A top holiday party venue in New Jersey will be able to handle most of the details of your event, leaving you to enjoy the actual party. But prior to choosing a venue for your holiday party there are a few things you should consider, these are discussed below. Once you know the questions to ask the party planner you should get in touch with multiple holiday party venues in NJ to select the one that is best for your specific needs.
Continue reading “Creative Holiday Party Ideas”

Tips for the Perfect Holiday Party

Perfect Holiday Party
Once you see the store shelves laden with pumpkin goodies, cider and donuts, you just know that the holidays are not far off.  You may not have your holiday shopping ideas even formulated in your mind yet, let alone the presents bought, before your local radio stations start playing non-stop holiday music.  Groan – the whole holiday planning process is upon us.  It is also a good idea if you are involved in planning for a holiday party, to be proactive in scheduling that event so you are not disappointed when you start looking for a place to host your get together.  Finding the ideal venue for you holiday party is easy if you know what you are looking for and once you know your needs you can choose the perfect venue for your corporate holiday party in NJ! If you are in New Jersey there are many wonderful holiday party venues for you to choose from, many of them will even cater your event and help you build a theme specific to your business!
Continue reading “Tips for the Perfect Holiday Party”