If you woke up this morning, looked out your window, and got that sinking feeling' you're not alone! That sound you heard across the nation was the collective sighs of women who looked outside and realized that, yes, spring is here, and no, they are NOT ready for the bikini season that's right around the corner!
So if you were one of the thousands of women across the country who suddenly felt compelled to put down that chocolate bar, choose soy milk in their next latte, and put on their jogging shoes ' you're not alone! However, if you're like most women, you probably can already hear that little voice inside your head telling you it's too hard, you'll never get in shape, and there's no way you can stick to a diet when ice cream season is just beginning!
Step One: Don't Panic! There are some easy ways to get around that feeling of despair, but you have to be determined to stick to your plan. You don't need a crash diet, but you do need to exercise that little muscle called 'self-control'. So, grab your jogging pants, pick up your will to get in shape, and use these tips to go conquer the world (and your waistline)!
Make a Food Plan and Stick to It! As strange as it might seem, why not make yourself a detailed food plan at the beginning of your 'get fit' quest? While you might have the best of intentions, it's a whole lot easier to stick to the plan if you have it down in writing, staring you in the face every time you open the fridge. List your meals, take a trip to the store and have fun choosing healthy snacks, then stock them every place you might get a food craving: the office, your car, the tv room. Place them in individual containers so that you know how much you're eating at one time, and you'll be less tempted to keep snacking.
Use the Buddy System! Once you've got the determination to get in shape, find a friend who has a similar goal as you and work on it together. It's a whole lot easier to keep at a fitness regimen if you have someone else there to support you and help you through those Ben and Jerry's cravings. Talk about how much you've accomplished on a weekly basis, and if you're really feeling adventurous, try making weekly contests with each other ' who can run the most miles, who stuck to their meal plan, and so on. Make it fun, but take your goals seriously.
Once you have your diet planned out, your goals established, and a buddy to take the plunge with you, use these next few tips to help keep yourself on task!
Be Realistic Yes, you've set some long-term goals for getting in shape, but there's no way you're going to lose 30 pounds in one week. Don't think about it that way, or else you're going to discourage yourself and lose sight of the finish line. Shoot for 3 pounds a week, and tell yourself you're going to be able to run three extra miles each day by the end of the month. You'll feel a lot better about yourself when you reach these smaller accomplishments that are really just gradual steps toward achieving your larger goal.
Reward Yourself and Each Other What will you do if you accomplish your goal? Head to the beach in Florida to show off your new figure? Why not! It's always easier to reach the finish line when there's some incentive to get there, so dream up something fantastic and make it your end goal. However, you should also give yourself some smaller incentives along the way ' maybe go shopping for a new shirt or some shoes when you reach each mini-goal. After all, when it's all said and done, you're going to need some new clothes to show off your fabulously healthy body!
Most of all, keep your head up even on the days you don't feel so hot, or if you accidentally fall off the wagon and devour that bag of cookies. Tell yourself you're worth it, and believe it! Just keep at it, give it your best shot, and before you know it ' you'll be at the finish line.
Beginners look at commercial loans as a means of realising a dream. They long to own their own restaurant, pub or bed-and-breakfast, and look to their friendly local bank manager for help. Cue frustration and disappointment. These days, loans are decided by back-room underwriters, who use cold calculation to decide your credit worthiness. To the seasoned pro, it's just another day at the office; a handy way of adding to their portfolio. To get the best deal, you need to prepare in advance. Here are a few tips to help you on your way:
1. Have your business plan, forecasts and projections, financial records and statements, history of the property's income, and the appraisal when you approach lenders. Make sure these are accurate and up to date. This lets the bank know that you mean business. If make them think about your application, they are more likely to deny your loan.
2. Put your own money down. You'll need at least a deposit and closing costs. Lenders want to share the risk, not own it entirely. They will usually not finance more than 75% of the appraised value of the property. Personal guaranties of the principal owners may be necessary.
3. Get your own appraisal of the property. This will provide you with an unbiased estimate of what the property is really worth. You'll then know whether it's worth the financial risk.
4. Apply for your loan as soon as you can. Commercial lenders exaggerate their speed. They'll quote you forty-five days when it's more likely to be three months!
5. Never rely on just one commercial lender. Commercial lending is very subjective. Submit your deal to at least four of them.
6. Commercial lenders must order a property appraisal themselves. The bank won't be allowed by law to accept one ordered by you or a third party.
7. Most commercial lenders now require toxicity reports, to discover any contamination of the site. If a lender forecloses on a contaminated property, the lender inherits the expense of cleaning it up.
8. Lenders near the property generally offer better terms. With those farther away, it's a case of 'out of sight, out of mind'.
9. Does your company have a sizable cash flow? You can use the promise of depositing it with the lender to negotiate a better deal.
10. Have a lawyer who specializes in property investment go over everything. You need someone who knows the business and who can be an advocate on your behalf.
11. Be certain that you can afford to keep your business going and still meet your payments. Properties must show sufficient debt-repayment ability. If the property is to be occupied by a sole tenant, the lender will want to appraise that tenant's finances.
12. Check with your local small business administration for any potential grants or low interest loans you might be able to wangle.
13. Negotiate. You do not have to take the first offer you get. Getting a loan is like buying any other good. People are sometimes too in awe of banks to haggle. There's no need to be afraid; they can only say no!
Both Adrian Adams & Niccolo Svengali are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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