Finding the right gym: The first criterion for choosing the right gym is whether they offer the facilities you are after whether that be classes, circuit, personal training, pool, sauna or spa. Secondly, is the gym convenient? If it is near your work or home you are more likely to attend. Consider things like can I get a car park, is it safe area and is the overall feel of the place good?Get the right workout gear: For you to feel the most comfortable during your workout invest in quality gym gear. Especially if you are woman you need to make sure that you have a supportive bra and sports top. You will never regret having gym clothes you look forward to getting into. Gym clothes that fit and look good also help you put more energy into your workout.Get an orientation: Ask to be shown how exercise machines work and what is the best settings for beginners. There is nothing worse than making all the effort to get to the gym and spending half an hour trying to work out how to start a walking machine. If it is better for you ask to be shown how to use one new machine a week so that you can retain the information.New member deals: Often new members are entitled to a free session with a personal trainer. These are invaluable as you can learn what are the most effective types of exercises for your body type. Even if you plan on just going to classes – it is still advisable that you have a one on one with a personal trainer to help you set goals and give you some direction.Choose shorter memberships rather than longer: Consider getting a shorter membership like 3 months rather than signing up for a year. A shorter membership gives you a good base line to answer some questions: How often did I go? What do I like about the gym? What don’t I like about the gym? Would I prefer to try another gym? Am I seeing results from my membership? Yearly membership to a gym comes after you have measured your results such as attendance enjoyment and fitness.Gym etiquette: Be observant of your surroundings. For example, if there are people who are doing a circuit and if they are waiting to use certain machines, don’t cut in. Take a towel and wipe your sweat off any exercise machines. Place your belongings – including water bottles – out of people’s way. If you are going to listen to music on your iPod, then make sure it is with headphones and don’t talk loudly on your mobile phone while others are working out.
Commercial Loans – Cost Effective Way of Funding Business Needs
When your little idea, your dream starts taking a real shape – you know it is time you garnered your finances to make it grow. At times your effort fall short and there you are filing for loans. Commercial loans can help business interests with uninterrupted capital supply.Commercial loans can be used to buy business premises or commercial building for both new or establish businesses. They can be used to buy any business asset or to finance the expansion of any established business.Different commercial loans lender have different way of processing commercial loans. You can start with pre-qualifying for commercial loans. This determines how much as a borrower you can afford as commercial loans and which commercial loans programme will suit the best.Commercial loans are the biggest way of financing business projects. While providing you with commercial loans, the loan lender will look at general information as your income and existing debts. Your application will be reviewed by a loan officer.Commercial loans lender will take keen interest ino Credit historyo Reason for loano Collateralo Ability to repayo Your investment in the businessDocuments to gather while applying for commercial loans are -Loan request – the amount of loan requested, how the funds will be used, loan type and amount of working capital on hand. Commercial loans lender will feel more secure knowing that you have invested your own money in the commercial plan.Business plan – If the commercial loans are used for starting a new business, the business plan is crucial. It should include cash flow projections for first 24 months. Information should be concise and clear. Its feasibility will be fundamental in getting commercial loans approved.Personal financial statements – In case commercial loan is used for expansion of business, it will be required for you to give business profile. Personal financial statements would be required for anyone who owns 20% or more of business. Complete information about current debts balances, payment schedules, maturity, and collateral used to secure other loans. You can be required to provide more documents during the loan process.In case you are purchasing real estate, you might be required to submit preliminary environmental reports, area maps, title reports, property appraisals, and lease summaries.Decisions for commercial loans take usually 1-5 days. During this time, you might be required to give further information. Commercial loans broker can help you submit your loan application to several lenders for approval. Your job is to select the most attractive offer and returning the final letter of intent. After all the conditions are satisfied, the commercial loans are approved and the lender will give a final loan commitment. At the closing, the commercial loan will be transferred with a cashier’s check, draft, or electronic wire transfer.Commercial loans are either secured or unsecured – with or without collateral. Secured commercial loans are more commonly available as commercial mortgages. Commercial mortgage are provided at better terms, interest rates and repayment options. Commercial loans are available with fixed and variable rate options. Fixed rate commercial loans will mean that your interest rate and monthly payments will be fixed at the beginning of the loan and will remain so throughout.Businessmen apply for fixed rate commercial loans for it helps in effective financial planning because they know how much they are giving out every month. With variable rate the interest rates changes in accordance to the changes in the market. The benefit with variable rate is that they start with lower interest rate than fixed rate. But interest rate can increase during the term and therefore you will have to pay more. On the contrary fixed rate commercial loans will leave no space for change in case the interest rates drop.Investigate before you make a commercial loan claim. Be prepared to answer some questions. Commercial loans are cost effective way of funding business needs when you need it. Commercial loans can strengthen your competitive position; increase your working capital and maximum profitability. Investigate your opportunities with commercial loans and see how your business becomes a commercial success.
A Shift in Telecommunications
In these modern days, we have the freedom to select and consume a wide variety of information, right? Well! not exactly. We do have access to enormous streams of information, but did you know that the majority of those streams actually come from very few sources. Consider the broad effects of this current format and ask yourself what information that you see each day is provided by a large corporation and what do they stand to benefit from it?Next ask how many different people are affected by this? The truth is that everyone is. The customer, the news reporter, the filmmaker, the artist, and the advertiser are controlled by the monopolies that allow us to share our creative works, or to view what they choose for us to see.This is not the first time the monopolization of information has happened. One hundred years ago, in 1913 AT&T (Ma Bell) became the ultimate telecommunication monopoly. They even averted an antitrust lawsuit by convincing the US President that it was for the greater good of society that they should be allowed to sustain their enormous size.In 1982 their luck ended and the government won a court order, causing them to split into seven operating companies knows as Baby bells for antitrust violations again. Still, it didn’t stop them as even now they strive to rebuild. From 1995-2005 four of the seven baby bells were acquired by SBC and in 2006 they rebranded themselves as At&T. While Verizon along with Comcast purchased $3.6 billion worth of wireless spectrum, plus the recent reports of the merger of Comcast and Time Warner… 6 of the 7 Baby Bells will reunite and become part of an even greater corporate telecommunication monopoly, Comast-Time Warner!Recognizing now, this monopoly controls much more than just our telephones… Our TV shows, News, Sports, Movies and even the ads that play in between are in their hands. You can see it will all be strongly influenced by the philosophies, ideas and financial motivations of one single source. Please notice, they are doing it with the same false claim that it is for the greater good of all of us, they say it will cost less if it’s all bundled closely together. Is it worth it? Is the cost of bundling worth the loss of the truth, options and creative competition?A more extensive list of dangers associated with a monopoly of information is available, but a few highlights are: sensationalism of products and activities that financially benefit the monopoly, and censorship of truthful information that could cause harm to it’s success and survival. When you consider the wide spectrum of control of information had by these giant monopolies, it’s not hard to start looking at what we watch through an improved lens of speculation.