Apr 102024

There are many types of commercial properties available to those who work in the commercial real estate industry. Many people like to work in a specific area by working with only one or two types of commercial properties. They do this because they have expertise with that specific type of property.

Commercial properties differ more than in just their appearance and use. How you purchase, sell, operate, manage, evaluate, and price each property can be very different. Although there are some similarities, being an expert in one or two properties can greatly increase your ability to analyze good deals and maximize your profit potential. When you know the inside and out of the processes that take place with a certain type of property, know what hidden things to look for, and what mistakes to avoid, you are less likely to run into problems, and will generate positive, long lasting results.

Let’s look at the main commercial properties that you may already be involved with, or are thinking about moving into.

The first are office buildings, or office parks. The term office can be used to refer to floors, parts of floors, an entire building, or an entire office park with multiple buildings positioned in a community type setting. Office space is used for a variety of reasons. It can be used for actual offices for companies, or it can be used for places of business operations, or to meet a tenant’s specific functional and technical needs. An example of this would be an office building for medical purposes.

Office buildings can be segmented into three basic levels. The first is low rise, which has fewer than 7 stories above ground. A mid-rise has between 7 and 25 stories above ground. A high-rise has more than 25 stories above ground. These buildings are often rented by the square foot according to the total useable square feet available to the tenant.

The next type of commercial property is retail property. These are places of business where products and services are provided. There are many types of retail properties which include big boxes, outlet centers, strip centers, regional centers and power centers. Each of these has distinct characteristics that differentiate one from another. Business owners can better choose where they want to lease by identifying their product position, where the best location is, and the type of retail center that will best sell their products and services.

A big box is a large, free-standing building that is often much like a huge warehouse. They can often be found near major shopping centers and along major corridors. Companies such as Wal-Mart, Home Depot and Target are all example of big boxes.

Outlet centers are usually located in tourist or rural locations, and the businesses there offer their products and services at a discount. Strip centers are consecutive narrow parcels that have a variety of stores. They are often found along main roads and commercial corridors.

Regional centers are characterized by an enclosed, inward orientation of the stores. A walkway or common area connects the stores that offer a variety of products and services. There is usually a large, common parking lot found along the perimeter of the regional center.

Power centers are areas of business where large retailers, including large discount centers lease out the buildings. Category killers can also be found here. These are companies that offer a large selection at low prices. Ross, Mervyns, and Kohl’s can all be found in power centers. Think of the one stop place to shop retail center, and you have a power center.

Any of these types of retail centers can be chosen areas of specialization for an investor, developer or builder. This gives them a competitive advantage in the commercial real estate industry because it is the only thing in which they concentrate their efforts. You can bet there is not one thing that can pass by these people when it comes to retail centers, and they know exactly how to maximize their resources.

Industrial and warehouse properties are the next category of commercial property where you will find freestanding properties, research and development, large manufacturing, as well as industrial park properties.

Freestanding industrial properties can vary greatly in construction type, design, and overall function. They stand alone, and are usually occupied by an end user, so the building is specific to a special purpose.

A research and development property is characterized by having office space and manufacturing on the premises. You can find them most often near universities, and close to other locations of professionals.

Industrial parks are large, planned developments that can be used for special scientific and technological use, or sophisticated communications uses. They have many buildings for mixed-purpose or a single purpose that are scattered in an often functional way.

Industrial buildings and warehouses are crucial to a city’s economic development, and cities often provide tax incentives when jobs are provided and new companies are brought to a city, especially to one experiencing rapid growth.

Multi-family property is another type of commercial property in which you can specialize. They offer huge opportunities to create value. A multi-family property is not considered a commercial property unless it is greater than 5 units. Duplexes and fourplexes are not considered commercial properties, though they can be a great investment. The larger the apartment complex, for example more than 100 units, the more money you will be able to return on investment. These multi-family units have living space, appliances and amenities. Multi-family units can range from low-end to luxury type units.

The last type of commercial property is raw land. Raw land is characterized by untouched land with no improvements such as utilities and roads. It can be the most difficult property to involve yourself with; however, it can return the greatest results.

Whichever property you decide to specialize in, only begin a new project in a new area with a person who has lots of experience. You can learn a lot from someone by using this strategy. It will give you a solid foundation to do the next project on your own. This partner or associate will help you to gain the experience and insight that may otherwise take you years to learn.

Apr 082024

Loan market is increasing with increasing cost of living. Earlier it was believed that if you own a home there are better chance for getting a loan. This is not a false statement; yes your home can get you better deals. But what about those people who are living as tenants and lacking anything to offer as collateral. Are they left out from the race of getting a loan….???. No they won’t…..with the arrival of tenant loans, popularly known as unsecured personal loans, you can apply a loan without offering anything as security.

Tenant loans are loans for you personal needs like debt consolidation, business financing, and education, health, buying property, boat, car and other such personal needs. The best thing about these loans is that you don’t have to mention the purpose of the loan to the lender. You can use the amount the way you want to use it.

Tenant loans give you the freedom from the stress and anxiety of loosing your asset as in case of secured loans. As the valuation of the collateral is not involved these loans are approved faster. Reduced and hassle free paperwork allows you to apply for these loans quite easily. Like any other unsecured loan, a tenant loan comes with a slightly higher interest rate. You can apply for a tenant loans if you are a tenant, a student or even a homeowner who don’t want to put their property at stake.

One thing which needs to be taken care of while applying for a tenant loan is your credit score. As there is no collateral, no security for the loan, only your credit score gives him some assurance that he is going to get back his money. You can obtain your credit score from credit rating agencies. They will also suggest you the ways to improve your credit score.

Normally you can apply a tenant loan for amounts ranging between ₤1000 to ₤25000. You may get higher amounts and better interest rates with little negotiations with the lender. Remember the effort is yours because the money is yours. It is highly recommended to not to apply for a loan amount which you can’t repay afterwards. Always determine your repayment ability before deciding any such loan amount.

The last but most important thing is to research properly for loan lenders. Beware of loan sharks and frauds in the loan market. Properly read terms and conditions of the loan agreement as it may contain hidden terms which can cost you later. So start searching now and get the best deals in tenant loans for your personal needs.

Apr 072024

Many of your property deals just end up just because you don’t have enough funds when you need them. A thought comes in your mind to sell the property which you are having with you to buy the new one from sale proceeds. As everybody knows it takes lot of time to sell a property. It is very much possible that till the time you get the money, the property you have chosen is taken by some other buyer. So what will you do now, yes you can do nothing at that time. So to save yourself from such position you can take Short term property loans or bridging loans.

This is a loan that is usually taken out to solve a temporary cash shortfall that may arise when buying a property. Its like when you want to buy the second property before the sale of first one. These loans are secured by the property going to be sold as collateral. Following can be used as collateral:

• Residential properties
• Commercial & semi-commercial properties
• Auction properties
• Development sites
• Buy to let properties
• Retail shops
• Land with planning permission etc.

Like any other short term loans these loans also comes with a higher rate of interest.

Lender will allow you to borrow up to 65% of the property offered. But with increasing competition in the market there are certain lenders which offer you even higher percentages of the value of collateral. As a standard amount you can borrow amount between ₤25000 to ₤500000. But larger the amount, more the time required for approval. However, the overall time needed is much faster than other loans.

Repayment is made once you get the sale proceeds of your property. You are charged with interest till that date. These loans can be repaid in a period lying within one month to 12 months. There is also an option to extend the repayment term depending upon the circumstances.

Applying for a short term property loan is not a difficult job. As internet has become the primary source of communication these days, loan lenders also have their own interactive websites. These sites are equipped with tools for comparison of different loan quotes, loan calculator etc making life easy for you. You can simply log on to these websites to get benefited. The application form requires you to fill simple details like:

• Name of the borrower
• Address
• Mobile no.
• Email address
• Value of the collateral
• Amount you are looking for
• And certain small details varying from lender to lender

Short term property loans can help you get your new property and pay for it afterwards. So don’t wait for somebody else to take what you have chosen to buy. Get a short term property loan to get the property of your dreams.

Mar 242024

Distressed properties can be located in basically every city. They are available to those investors who have a clear vision and an eye for creating value that is currently obsolete. This strategy of investing is available to anyone, and is used by the most astute investors. The result is a solid, well-performing property that generates the most cash it possibly can.

Very often distressed properties need some maintenance, focus, and a new, professional management team to get the property up to speed with the rest of the market. If it is the owner who is distressed, they very often just want the property taken off their hands so they no longer have to deal with it. Commercial properties can often become difficult and expensive to maintain, and some owners simply don’t have the time, money or patience to keep them up.

Distressed properties are identified by some sort of problem. This problem generally resides with two aspects of the property: either the property itself or the owner. The problem can be simple like a high vacancy rate of an apartment complex, or something much larger like the possibility of a property going into foreclosure because the owner cannot make the mortgage payments on time. This can ultimately ruin a person’s credit if a property is to go into foreclosure.

Before we look at a few ways to locate distressed properties, let’s first look at some specific characteristics of distressed properties that you may come across in your search.

A distressed property may have:
• high vacancy rates
• below market rents
• poor management
• old, run-down condition
• poor common areas
• no amenities
• low net operating income (NOI)

A distressed owner may:
• be too old to maintain the property
• have inherited the property and doesn’t want the hassle
• cannot pay the mortgage
• be facing foreclosure
• be in bankruptcy
• be going through a divorce

Distressed properties can have a multitude of characteristics, combination of characteristics, and even odd problems specific to a property or owner.

So how do you identify these distressed properties? One way is to drive around your community looking for buildings that look vacant, run down, not fully leased, and those that display for sale by owner (FSBO) signs. If a property looks like a sore thumb in a nice area, then that is a flag that there might be something wrong. You can go to the county, find out who owns these buildings and send out a letter campaign telling them you wish to purchase the property. Many deals can develop this way, and you can get great prices on properties you didn’t even know would be for sale.

Another way to find distressed properties is to call brokers on listings you find on the internet and simply ask why the owner is selling. You may have to call on quite a few properties, but eventually you will find that gold mine property being offered way below the market rate. With just a few changes that distressed property may be a money generating machine once more! You can even call on brokers to locate and bring you properties with problems that fit your targeted criteria. This strategy of finding distressed properties is a great one, as you can very quickly cut through the many listings that do not fit your criteria.

In order to turn these distressed properties into current market premium properties that retail investors would envy, use the following tools to bring the property up to par. You can renovate the building, change the management team, fill vacancies, add amenities, raise rents to market level, change the leasing agreement, lower overall expenses, and market it properly to a wider audience. With these simple tools, your once run-down, non-performing property will create more cash than anyone would have imagined.

Don’t discount the value of poorly performing properties. Working with distressed properties can be a great way to purchase a property inexpensively and get your foot in the door of the commercial real estate industry. This investing strategy can be far easier than purchasing retail properties at a premium price! A little work and the property can be worth so much more, and supply you either passive income for years to come, or a retail property you can sell at a premium.

Mar 222024

Restorative dentistry is the branch of dentistry which deals with correcting dental defects in individuals. All of us like to have pearly white teeth devoid of any defect. However everyone is not so lucky and has to encounter dental defects at some time or the other. Restorative dentists can do various restorative dentistry procedures to help individuals in dealing with the different types of dental conditions. Restorative dentistry procedures to be undertaken for a dental condition depend on the overall dental health of the person.

There are different types of restorative dentistry procedures which can be undertaken for correcting a dental condition. Patients require different types of treatment procedures depending on the condition which they are facing. Understanding the present condition of your dental health is ideal in determining the treatment procedure for a condition. Some of the restorative dentistry procedures are discussed below:

Dental implants: Implants are an ideal means to replace broken teeth. This is a permanent solution for tooth loss. Implants are in fact artificial tooth which is used by a restorative dentist to replace missing tooth/teeth. Missing teeth can cause lots of difficulty while chewing food, talking properly and most important of all, smiling broadly. Implants are attached to the jawbone underneath the gums for providing support to dentures and tooth bridges.

Dental bridges: Bridges are the ideal solution for filling gaps, which appear due to missing teeth. As the term itself implies, a dental bridge bridges the gap due to missing teeth. Dental bridges are made up of a false tooth held together by two crowns. The false teeth are known as pontics. These can be made up of alloys, porcelain or gold as wanted by the individual.

Dental crown: This is another restorative dentistry procedure which can be adopted for restoring broken or decayed tooth. Sometimes a tooth can become decayed or broken, but the root can still be in perfectly good condition. Dental crowns are the perfect solution for individuals facing this condition. Dental crowns provide a covering for the entire broken or decayed tooth which is above the gum line to give strength to the broken teeth.

Porcelain veneers: Veneers are best source to correct broken, chipped or cracked teeth. Thin wafer like layer of porcelain is used to bond the cracked or broken portion of the teeth. The bonding can be done both chemically and physically as well. The porcelain veneers available these days are very thin and natural looking. No one will recognize that the bondings are artificial. Of course unless you tell someone, there is no way to find out.

Porcelain crowns: This is another means to correct dental defects. Porcelain crowns are a type of restoration which can be used for covering the portion of teeth which has dark metal color fillings. The dark fillings in teeth look very ugly when a person smiles broadly. Porcelain crowns can be used for covering such dark colored fillings.

There are many other restorative dentistry procedures which can be used for correcting dental defects. Advanced technology has made it possible to correct almost any type of dental defects. All you need to do is consult with a dentist and find out which procedure is best for treating your condition. I am sure you will not compromise on your smile when you have help at hand for correcting your smile.

Mar 182024

Locating potential commercial real estate deals can be the most important aspect of commercial real estate investing. In fact, without solid deals, you do not have any property in which to invest. It is really necessary to find the best deals you can so that your invested capital is maximized in its return.

When you locate only great deals, you can do fewer deals per year and make an exorbitant amount of money. Great deals are characterized by a return that equals three to four times the amount of your investment. However, if you find only average deals, the return per deal can be considerably less, causing you to either not make as much money, or do more deals per year. It takes the same amount of work and identical processes for each deal, so you might as well do less work and see a greater return.

You must use trusted and solid resources to locate your deals. Although there are many options to find properties, as they are available in every city and state, you must use resources with updated and accurate information. Below you will find the best resources to assist you in finding deals. You can use each resource to locate the properties that fit within your property investment criteria. Some resources may work better than others, depending on your area of specialization.

One of the best and most common places to find commercial property is through commercial brokers. This would make sense, as they are the ones who actually have the properties listed. You can go to them with a criteria sheet or specific information on the type of property you would like to purchase.

You can find brokers on a local or more widely spread basis, even going as far as calling brokers in other states. Most will be more than happy to call other brokers and find listings that best fit your criteria. They will bring you properties as they become available.

Another great advantage of a commercial broker is their ability to find pocket listings, or listings that are about to go on the market, but have not yet officially been listed. You can get a jump ahead of the competition and find excellent deals. Get in contact with a few brokers every day, and watch targeted properties roll in!

Another place to locate properties is on the internet. There are many sites that have hundreds of commercial properties for sale ranging from raw land to large retail and apartment complexes. These sites have information on both the property and the broker, so you can easily get in contact with the broker and learn more about the property. You can filter the information as you see fit, usually according to your specific criteria.

One of the best sites is Loopnet.com. This site houses hundreds of brokers all over the United States who post their many listings. You can filter through deals very quickly and reach a larger audience than you would in just your own community. Your ability to build contacts also increases with so many brokers and agents at your fingertips. I urge you to check out these commercial real estate sites and see what deals you can find.

Auction houses are great places to locate properties of all conditions and types. Many times you can get excellent deals on properties that you may otherwise have to spend a lot more for if they were listed with a broker. You can get on mailing and e-mail lists of different auction houses so they notify you of properties that will be going to auction. This allows you time to investigate the property as an investment, before the actual bidding day.

Auction houses also sometimes provide the option to purchase a property at a certain price before it goes to auction. You never know what opportunities will come along, so it is a good idea to stay in contact with several auction houses to be privy of the properties moving through their hands.

Although there are many ways to locate deals, these are among the best offered to the commercial real estate industry. The properties are abundant, and contacts can constantly be made, allowing for an ease of influx of other possible deals. A secret in this business is that the more contacts you have working for you, the more opportunities will be brought to your attention.

If you are working locally, and using only local resources such as newspapers, listings, and magazines, I urge you to use these other options. You can find local deals this way as well. It might even give you incentive to move out to your comfort zone and into areas where you will find even more opportunities.

Use these resources- commercial brokers, internet commercial real estate sites, and auction houses to find targeted, up to date, and numerous properties that could possibly bring your next big commercial deal!

9 Quick Tips To Buying A Stair Lift

 Computer HW  Comments Off on 9 Quick Tips To Buying A Stair Lift
Mar 132024

Stair lifts provide more than just a means of getting from the downstairs floor of a house to the upstairs – they also represent mobility and independence to an ageing generation.

As time goes by, it is only natural that we find certain everyday activities, such as climbing the stairs, becoming increasingly difficult. For someone with limited mobility due to injury, disability or chronic diseases such as arthritis and angina installing a stair lift is a low-cost common sense solution.

And with today’s advanced technology nearly every home can be fitted with a stair lift, even if it has a curved staircase. Before you go ahead and purchase your stair lift make sure you use a professional and approved company with experience in this field.

Here is a quick and easy stair lift buying guide:

— If you are unsure about what kind of stair lift is suitable for your home get some independent advice from the Occupational Therapy Department of your local social services.

— Ask questions about the models that a company sells.

— Read sales literature and brochures, find out about the different brands of stair lifts and the models available.

— Get several quotes from different companies, but make sure they are for the same or ‘like for like’ models before comparing the prices.

— Make sure the quote covers the supply AND fitting of the stair lift.

— If you have a curved staircase, ask the company to assess your staircase and give you a personalised quote.

— Compare also the after sales service. What happens if your stair lift breaks down? Are you covered for repairs and maintenance or do you have to pay out extra for a service contract?

— If you are thinking of purchasing from a non-manufacturer, check that the company is an approved supplier, otherwise they may not be able to obtain spare parts.

— And never buy a stair lift from someone who tries to make you buy that day or is pushing a certain stair lift on you. Salespeople are paid to clench deals and will often discount the price heavily to secure the sale – but the model they want you to buy may not be right for you.

If you are considering having a stair lift in your home the website below contains free information and impartial advice on this topic.

You will find that installing a stair lift will give you access to the whole of your home with ease, comfort and convenience. It is also a much more cost effective when compared to the cost of converting your existing home having or having to relocate to a single storey accommodation.

Health Insurance Quotes

 Computer HW  Comments Off on Health Insurance Quotes
Mar 122024

Getting Health Insurance Quotes By Phone
Though calling around for insurance quotes can be a very time-consuming task, it is a good way to get your questions answered about the policy by a professional. In many cases, calling an insurance company for a quote will lead to an automated session and then being placed on hold. This is the kind of frustration that you will face, over and over, when trying to receive any kind of insurance quote by phone.

It does take up a lot of time and you do have to keep notes about each quote you receive, but there are some good reasons for obtaining health insurance quotes by phone:

• You can talk to a professional in real time
Eventually, you will get through to an actual human being on the other end of the phone. This person can explain the policy to you in detail, answering any questions you may have as they come up.

• You can learn about different premiums and options on the same policy
When a certain health insurance policy interests you, you may be able to talk to someone about adjusting the premium and/or deductible on the policy, tailoring it to better suit your needs.

• You can purchase a policy right away
By using a check by phone or your credit card, you can purchase a policy based on the health insurance quotes you receive over the phone. This process is generally quick, including a brief question-and-answer session.

Getting Health Insurance Quotes Online
For those who prefer a quick and easy method of insurance shopping, the Internet is definitely your best option. Using the Internet, you can go to a specific company’s site and learn more about their policies by receiving free online health insurance quotes, or compare and contrast the policies offered by several companies at once.

The Internet allows you to receive many more health insurance quotes, in a much shorter period of time than you would be receiving quotes over the phone. There are many benefits to shopping for health insurance quotes online:

• You can get many health insurance quotes, quick
When time is a factor, the Internet is your best friend. You can look at several different health insurance quotes at the same time online, much more quickly than it takes to get through most phone automated systems.

• You can compare lots of health insurance quotes at once
Side-by-side or page-by-page, with the Internet you can compare health insurance quotes from several different health insurance companies at once. This makes comparison shopping a breeze.

• Ease of purchase
You can often purchase a health insurance policy online, using a secured method and your credit card. This allows you to get your health insurance policy quickly, so that coverage can start right away.

An Independent Agent
When doing your own research, finding different quotes, calling around or even using the Internet to shop just isn’t your thing, you’ll want to use an independent insurance agent. These agents do not work for any specific company but for you. They use their time to shop around for you, finding you the best possible policy based upon the health insurance quotes they receive.

Often, independent agents can get much better rates than the average customer. This is because insurance company offer agents deals and discounts simply for brining in new business. An independent agent will work for you to find the best health insurance quotes, so that you pay less while still receiving the best coverage possible for you and your family.

DIRECT TV – Facts Of The Matter

 Computer HW  Comments Off on DIRECT TV – Facts Of The Matter
Feb 192024

Directv, the nation’s top provider of digital satellite television services, offers consumers the best and most comprehensive deals on equipment, programming, and customer services. Advanced technology in the areas of communications, recording, and sound have produced crystal clear imaging and sound quality beyond comprehension. Free Direct TV equipment and free installation, with a promotional offer of services for a limited time, are available to new subscribers along with exceptional programming to all. Directv’s subscriber base is over 14 million and growing, and Directv strives to remain at the top among all television viewers.

Digital satellite television service is a wireless system for delivery of signals to produce imaging directly onto a television screen. It involves the use of highly specialized equipment called a satellite tv dish and a receiver. Digital signals are transmitted to Direct TV’s satellites in orbit and then projected back to the home receiver through a satellite dish. These signals are then processed through the receiver and to the television screen in either digital high definition or digital standard format. Though digital standard is exceptional, high definition is the clearest imaging produced at this time with accompanying Dolby surround sound for pure the ultimate in viewing and listening pleasure. Your home entertainment experience will be comparable to a theater-like experience each time you tune in to see a program. In addition to the basic free equipment, Directv Satellite gives each new subscriber a Free Personal Video Recorder (PVR) that enables one to pre-record favorite programming for sharing or for viewing at a later time. The slim remote allows the viewer to record, pause, fast forward, pause, and rewind, allowing for commercial-free recordings and instant-replays. This treasure will enhance your home system and will become as indispensable as the prized remote.

Direct TV’s primary goal is to offer the best in equipment and programming to put the consumer back in control over what, when, and where favorite programs are viewed. This goal is clearly achieved through the wonderful and diverse programming packages being offered today. Once you experience a favorite through Directv’s system, you will never be satisfied with standard cable television delivery. Direct TV’s programming lineup includes programs in digital high definition or standard resolution and each package contains a variety of the best and most preferred channels. There is something of interest for everyone with packages ranging in number of selections and price. Local Channels are availabel in most areas via the Direct TV satellite dish. Specialty programming packages are available for those desiring seasonal sports and international channels. Directv’s beginning package, Total Choice, is equal to or better than most other provider’s mid-range packages. It contains more than 155 channels, including four ESPN, Disney Channel, Discovery Channel with Discovery Kid, Animal Planet, AMC, ABC Family, and much more. The mid-level package, Total Choice Plus, adds 30 channels and includes Boomerang, The Biography Channel, various music channels, and more. Total Choice Premier, the every thing package, provides a total lineup of more than 250 channels, 30 premium movie channels, and additional specialty sports channels. Directv is famous for the best Sports programming lineups. Directv Satellite is exclusive in their offer of NFL Sunday Ticket and NBA League Pass.

For those viewers who demand the best and most diverse television entertainment, Direct TV is the answer. Click on Direct TV Deals to find more information about specific package listings and prices as well as ordering and installation information. This is the end of your search for the best home entertainment. Switch to the best. Order Now! Take advantage of the Directv promotional offer of free satellite equipment and fast free professional installation. This limited time offer will end soon. USDirect is the top online Authorized Directv Dealer. Go to the USDirect web site to find the Best Direct TV Offers

Destin Florida Vacations

 Computer HW  Comments Off on Destin Florida Vacations
Feb 122024

Florida, the sunshine state, makes an exciting vacation destination, but deciding where to go can be a challenge with so many cities to choose from. With its white sand beaches, emerald green water and beautiful sunsets, its no wonder Destin is becoming a popular vacation destination. Besides enjoying the sand and surf, don’t forget to pack your snorkeling gear, golf clubs and a little extra cash for an exciting dolphin and sunset cruise. Come experience all the attractions the welcoming city of Destin has to offer.

With the Gulf Coast comes an abundance of water adventures and sports. Take the family swimming, boogie boarding, snorkeling, parasailing or rent a wave runner. Create your own adventure by renting a kayak and paddle out into the open waters to explore the unbeaten path. For complete relaxation, grab your towel and soak up the warm sunshine while listening to the ocean waves gently roll onshore. Wander along miles of white sand beaches, occasionally stopping to gather sea shells and to take a dip into the cool, refreshing ocean water.

If the white sandy beaches and warm sunshine haven’t sparked quite enough interest, a variety of enjoyable boat tours are sure to catch your eye. Take a deep sea adventure and hop onboard the 76 foot glass bottom boat of Southern Star Dolphin & Sunset Cruises. Spend the next two hours gliding over the ocean waves, listening to calming music and exploring a variety of sea life.

Take the kids on a more active adventure and head down to the docks to try deep sea fishing, trolling and billfishing. With over 20 different species of fish from mackerel, red snapper, amberjack and blue and white marlin, your experienced boat captain is sure to help you successfully bring in the big catch of the day.

Every golf enthusiast will be eager to hear the golf courses in Destin are open year round. Home to over ten golf courses with four exclusively designed by renown golf architect Tom Jackson, you are bound to find a course for every skill level. Grab your clubs and take part in a challenging 18 hole round of golf and enjoy the views of Choctawhatchee Bay and the Gulf of Mexico at Baytowne Golf Club.

Located east of Destin on US 98, Henderson Beach State Park is home to 6,000 miles of protected shoreline. Grab your towels and head across the boardwalks which will lead you right to the beach, an excellent spot for dolphin watching. Take a hike along the ¾ mile nature walk and discover countless wildlife, costal dune ecosystem and a variety of plant life including sand pines, scrub oaks, and dune rosemary. At the end of your visit, leave the sand at the beach by rinsing off in the convenient outdoor showers.

While the focus of your vacation is around the beach, make sure to enjoy the Silver Sands Factory outlet, one of the largest. Shopping fanatics will love the great deals they find at the 120 plus stores.

After a fun day in the sun, you’ll be glad to know Destin is home to the regions best dining. From Seafood, American, Italian, Cajun and French you’re bound to find a restaurant with the cuisine you’ve been craving. For the family or group dinner, try Fudpuckers for some delicious seafood. After desert head downstairs and feed the live gators and get your picture taken! Whether it’s a romantic dinner for two, an energetic group gathering or the desire for a casual low key evening, there are restaurants to accommodate.

Before leaving town to fulfill the vacation dreams you are longing for, you will need to look into accommodations that will allow you to fully enjoy your vacation. Try staying in a Destin Vacation Rental. Enjoy the benefits of a home or condo in close proximity to the beach, golf courses, shopping, restaurants and more.

Whether its friends, family, couples or a large group, you’re bound to find the perfect Destin Vacation Rental on HomeAway.com. Begin your search today for a vacation condo, villa, or home rental that makes your vacation memorable.

(ND) Compare Online Stock Trading Brokerage Firms

 Computer HW  Comments Off on (ND) Compare Online Stock Trading Brokerage Firms
Feb 092024

Comparison Shopping

You won’t have any problems finding an online stock broker. The worldwide web
is crawling with them! The hardest thing is to figure out which brokerage firm
is right for you. This is as important as the stocks you will be investing
in… so you’ll need to choose wisely.

You’ll first need to compare online stock trading brokerage firms.
Compare their fees and their services, and then compare that information to what
your needs are.

If you’re a new entrant in the field of online stock trading, you’ll be
better off with a firm that provides a full service offering; one that not only
caters to the basic educational and trading needs of a first-time trader, but
one that also allows you to buy partial shares of stocks (by way of automatic
payment on a regular basis) and accumulate your investments over time. If you’re
lucky enough to find such a firm, you’ll relish the opportunity to also
complement your investing strategies by making real-time trades to buy and sell
stocks immediately during market hours.

Sharebuilder.com offers just such a service…and is my personal online stock
trading brokerage firm of choice. When you actually compare online stock trading
brokerage firms you’ll discover that ‘unlike traditional online investment
services’, Sharebuilder gives investors a unique and powerful way to invest in
the stock market. You’ll find (with Sharebuilder) that you’ll have a simple,
flexible and affordable way to invest for the long term. You’ll find a ton of
great articles and tutorials on all aspects of online stock trading on their
site. Plus, you’ll even be able to compare Sharebuilder’s service offering with
four of the other leading online brokerage firms as they have created a
comparative analysis table for that very purpose.

Ok, with such a rosy picture painted of Sharebuilder.com, should you even
bother to look elsewhere?

Of course! That’s what due diligence is all about. Research! Research!

Don’t get me wrong. Sharebuilder is a great online stock trading brokerage
firm to deal with. But I’m biased, because I’m a rookie online stock trader and
I need all the help I can get…and these guys deliver!

On the other hand, if you’re a long-time trader who invests big money per
trade, you’ll no doubt be looking for the most cost-effective brokerage firm
online; possibly one that charges less than $10 per round turn.

When I first started trading stocks online with Sharebuilder, I decided I
would invest the princely sum of $100… because I could! You see…unlike most
any other online stock trading brokerage firm I had ever encountered, I found
that Sharebuilder had no minimum deposit requirement…and since that was
a big priority on my list, they got my vote.

Interestingly, the four other online brokerage firms featured in
Sharebuilder’s comparison table all have what some may consider pretty hefty
minimum deposit policies. TD Ameritrade’s minimum is listed at $2000,
while Schwab’s is $2500. NB: After I verified this information on the
respective web sites, I chose Sharebuilder for that one reason.

Another important criterion to consider when you compare online stock trading
brokerage firms is (as I stated earlier) the round turn (commission) charges of
the trades or online market orders. Sharebuilder charges from $11.95 to
$15.95 depending on which plan you choose. Since I chose the freebie plan, my
market trades cost me $15.95 each… but I can live with that because their
service is so good.

TD Ameritrade however, won the coin toss at $9.99. Believe me…this is an
excellent rate for any online stock trader who deals in large volumes.

As for me?

Well, all I had to start with was a mere $100… and given that TD
Ameritrade’s minimum balance requirement is $2,000…umm…well…you get the

I might add though that all five brokerage firms involved in the comparison
offered online statements, confirmations of trades, along with reinvestments of
dividends. That in itself is quite impressive compared to many of the lesser
brokerage firms online.

Annual maintenance and low balance fees was also an interesting
comparison. Three of the brokerage firms, including Sharebuilder did not
charge any fees for these… while E+trade and Schwab charged $160 and $120 a
year respectively!

The important thing and the only important thing to consider when you compare
online stock trading brokerage firms is which one can meet your needs? All of
the companies mentioned in this article are upstanding companies with variable
policies. Choose the one that’s best for you…and you’ll be on your