You have put off purchasing a loan software for long enough. While your company is still managing all of your work by hand, the borrowers are sitting on the back burner waiting to get their loans. Don’t you think its time to make the leap into automating some of the most mundane tasks that your employees face every day?I am sure that you already know this, but commercial loans are typically not a “one size fits most” type of deal. In fact, several types of commercial loan software have been created to fit the needs of every borrower and every lenders unique situation. Determining which software is right for your company often depends on the type of business you run and the type of client information that you would like to manage.The commercial loan industry is spread out across a variety of other industries, most notably, real estate, mortgages and other forms of private and commercial lending. This makes it near impossible for us or anyone to recommend just one software to any of you reading this. Aside from industry type, there are also many differences in each software’s own internal functions that make your decision quite a bit more difficult.Some loan programs focus heavily on organizing customer information, while others may primarily serve as a payment tracker and calendar. Now please bear in mind that these are only a couple of the features that you can expect to see. Others may include investor reporting, loan origination, tax and reporting and many more.
All About Automotive Repair Manuals
Many automobile lovers have the desire to repair their car’s themselves to save time and money. They are aware that automotive repair manuals make life much simpler for them. The manuals have diagrams that make repairing their automobile much easier. Some people turn to their local public library to find an automotive repair manual to fit their repair needs. Another direction is an electronic automotive repair manual. This is where the manuals are produced on electronic disc.These manuals are basically what is called Do it Yourself instructions. The manuals will help you to diagnose or repair a problem to your automobile. When it comes time for your vehicle to be repaired it is normally done by a trained mechanic. With the manual you can do the repairs yourself which may save you tons of money.When it comes to today’s vehicles it is almost imperative that you have some form of training or knowledge in order to trouble shoot certain issues with your vehicle. The difficulty of a repair job varies and that is where an automotive repair manual comes in handy. You need to become familiar with the systems of your vehicle. This is where a quality repair manual comes in handy.The automotive repair manuals that you can purchase come in the form of a book or you can purchase electronic versions of the manuals. The manuals provide the person who has a desire to repair their own vehicle information on the maintenance, repair and service of their automobile. The step by step instructions give you the ability to repair your vehicle as if an expert. The colorful illustrations will give you the mindset of a professional. The manuals are convenient and will save you much time, energy and money.With the assistance of a manual you are sure to repair the vehicle right the very first time. If you look hard enough you can find the manual for your exact vehicle and learn exactly the right way to perform each repair without accidentally damaging any part of your vehicle or installing anything incorrectly.To get the job done in an efficient and timely manner you will need to make sure that you have the correct tools for the job. This information and any other needed information will be supplied in the automotive repair manual. When you are in the need of an automotive repair manual you need to choose the one that provides all of the needed information that you can understand with ease.Repairing your own vehicle protects you from unnecessary or inflated repair bills. The decision that you have made to repair your own vehicle is an important one. While it can certainly be difficult to get the hang of, many people find the rewards outweigh the downsides. In addition to the cost savings, many people feel safe in knowing that they can service their own car and also a sense of accomplishment once the job is complete. However, if you feel that a job is too complicated, you may still be better consulting an expert.
Five Card Game Ideas For a Small Group of Friends, Entertain Your Friends With Party Games
Learning how to play card games like spades and hearts are a great way to have fun when you only have a few people over instead of a big party. You still need to entertain your friends, so try inviting them over for a few games of cards. It’s fun, there’s competition and laughter, and best of all, you’re getting to catch up on how their doing. There’s also different card games for any number of players, so pick a new game and try it out with friends, you might be surprised how much fun you have!Another idea would be to invite a certain amount of people over and have a tournament in the card game of your choice. Texas Hold’em is very popular but if you don’t like that you could make teams of two and play a spades or hearts tournament. Start a Rummy tournament or even a one on one cribbage tournament. Playing any game with a slight twist in the rules can be very exciting. Try playing one on one solitaire where each person plays their own game and the first one to win gets a point. Play to 5 points. Or when you’re playing a card game with multiple hands, have the winner of two hands in a row make a rule (can’t use first names, no swearing, must hold the cards with the opposite hand etc.). If someone breaks a rule they lose a small amount of points. Make sure the rule is fun and goofy to create more laughter within the group.That’s just a few ideas to get your friends over and have some good cheap fun. Make sure to switch houses so that one person doesn’t always get stuck being the host. Also try to play new games each week to keep the excitement. It’s not as fun when everyone is down and dirty serious about the card game they’re playing. The main idea is to keep the excitement!
Sample Business Proposal – Be Careful!
Every entrepreneur has been there. You need to write a business plan to get your idea off the ground and have no idea how to approach it. The first thing most people do is Google, “Sample business proposal.” Why? Well, it’s quite simple really. They want to get a head start on the process by looking at what someone else has written. It is an understandable position to take if you are under pressure and need a boost. What people don’t realise is that there are inherent dangers in using a sample business proposal.There are many very good examples of sample business proposals on the Internet, but there are also some scarily bad examples being held up as first class efforts. Having spent the last 20 years as a professional banker and investor I can say this with some degree of confidence.The bottom line is that even if you do manage to stumble upon a great example it won’t be relevant to your unique business or the market dynamics that pertain to your business idea. The parties who will assess your proposal and decide whether to invest are generally well trained and experienced. They read hundreds of these documents every month and can spot a copy and paste job a mile a way.Will A Sample Business Proposal Help Me?Using a sample business proposal is OK if you are just looking for some tips on how to structure your own proposal. Of course this is predicated on the fact that the example aligns well with your business and is a good example. If you are looking around the Internet for sample business proposals it’s a fair bet that you are not sure what is a good example and what is a bad one. For this reason you may borrow heavily from a poor example and this will actually detract from the thrust of your effort.There are too many people on the Internet these days offering quick fix solutions or shortcuts to preparing business proposals to attract funding. On balance these solutions are not adequate to get you funding. Here’s why:1. They encourage entrepreneurs to use other people’s business proposals as a template that dilutes the originality and can lead to the inclusion of data that is irrelevant.2. They lead to entrepreneurs skimming over the research component leading to a proposal that is disjointed and fails to make a cohesive business case.3. Having a sample business proposal as a guide detracts from the entrepreneur engaging fully in the business planning process in that they will have only a cursory understanding of the finer details of their proposal.4. It will not prepare the entrepreneur for detailed questioning around their business strategy and by association their financial projections.We have seen this all too often in presentations for equity finance. It is glaringly obvious when someone does not understand the proposal intimately and this devastates credibility and trust, virtually nullifying your chances of convincing an investor to part with their cash.So How Should I Use A Sample Business Proposal?We genuinely believe that using a sample business proposal is not a good idea unless you are only looking for a structural outline. Even in this case you would need to scan a fairly broad cross section of examples to get a representative sample to form an independent opinion. There is nothing more frustrating than a pitch which doesn’t flow and where the entrepreneur is clearly “winging it”. We have rejected more pitches for this reason than any other.The only time we would recommend using a sample business proposal is if you are approaching a bank for finance and they provide an example of what they would like to see. However, banks don’t provide samples, they provide templates, which is basically them trying to educate entrepreneurs before they apply for finance. In this case this is the bank endorsing a structure for the proposal so it is OK. It still leaves all the blanks to fill in though so it isn’t really a full solution to your problem.How Will The Audience Know That I have Used A Sample?This is a common question we get asked and while we cannot speak for the entire investment community we can refer to our own experience as investors and former bankers. Here is a list of the top ten reasons why it is obvious that a sample has been used:1. Executive Summary is dull and formulaic without communicating why we should invest.2. Market information doesn’t align with the specific demographics relating to the proposal or is obsolete.3. Entrepreneur’s knowledge of the market dynamics is sketchy under questioning and it is clear that what they have written in the proposal is the sum total of their knowledge on the subject.4. Information around target customers is not based in empirical fact, more observational opinion.5. Competitor Analysis is obsolete and doesn’t track minor competitors or industry trends that could present opportunities.6. The business strategy doesn’t intuitively line up with the financial projections of the business. Financial anomalies are frequent.7. The level of analysis in the financial section is low. Elevator analysis (only observational comments) is a glaring sign that no detailed analysis has been undertaken.8. The language style in the business proposal is inconsistent and in different tenses.9. The structure of the business proposal in terms of the content lay out does not flow intuitively. Think trying to fit a square peg into a circle!10. The proposal doesn’t make a definite conclusion or sound argument to invest (or lend). The lack of analysis leads to inadequate risk mitigation leaving many questions unasnwered.What is The Solution?This might all seem a little bleak but there is an easy solution to this dilemma and it demands a little more of your time and effort in return for a deeper understanding of your business. You have to learn to write a business proposal rather than using a sample business proposal to take a short cut. Don’t do the latter as it will make the experience of approaching investors and financiers unnecessarily painful and will dilute your experience of creating your vision from scratch and your strategic understanding of your own business. Plus, you will be found out!The truth is that it is not rocket science. Even a working knowledge of the key focal points will improve your finished product greatly. Writing a business proposal is a logical process which can’t be done is 8 hours or completed in 1 day, at least not if you hope to truly understand it and communicate it effectively to external parties. In actual fact writing a business proposal is a very rewarding experience and if you are serious about starting a business and attracting funding into that business there will be associated pressure to perform well. Going through the business planning process will train you to be a more pro active and strategic business person and will ultimately improve your chances of making your vision a reality by analysing your business properly and consistently.A sample business proposal cannot and will not prepare you for that.