In business there are many ups and downs along the way. When things are going great guns you need to consolidate your position and always be prepared for the rainy day. And God forbid, if the rainy day does arrive, you have to be ready to deal with it. But what if you don’t have enough buffers in your business to tide you over rough times. Commercial Loans are just what you need at times like these to pull through any crisis and get back on your feet. But beware of money sharks in the market who might want to exploit your vulnerable position.These loans aren’t very different from personal loans only they are used for business purposes and are often backed by hard collateral like real estate.In business stakes are high and risks major, which is why if you are seeking a loan to bail you out, it’s understood that you are in a tricky position. There are lenders out there who might try to take advantage of your situation.Hiring services of a Commercial Mortgage Broker is a good option because.

It is his job to watch out for your best interests.

Being an experienced broker he might will the inside outs of the market and will be wary of notorious lenders.

Hiring a broker might make the process a tad bit longer but they are known to come up with innovative ideas to overcome any problem you might face.

Commercial banks, mutual companies, other financial groups and hard money lenders will be able to offer you Commercial Loans. With market regulations being lifted in recent times, such loans are easily available today, which might make them seem like an attractive proposition. But you need to be aware of the some malpractices that have crept into the business.It’s important to understand how money lenders work so that you can be on guard.

Different types of lenders have hugely varying criteria based on which they offer you the loan. Commercial lenders are usually more lenient than banks if your financial qualifications are not up to the mark.

Commercial lenders will weigh your collateral heavily and although they might be quicker in dispensing the loan to you, they will charge higher interest rates than a bank.

Bridging Loans are for short term arrangements till your primary loan is sanctioned. They will salvage any drastic situation for you but interest rates are generally much higher.

Some hard money lenders ask for fees to investigate the nature of your proposal upfront. There are high chances that you might not get your loan after all and fees won’t be returned. You need to be wary of such practices and money lenders.

If things turnaround for you and you want to make pre-payments, you might be charged a hefty fee for doing so. Always check the pre-payment clause in your contract.
With such simple measures Commercial Loans will make perfect business sense to you.

Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!

He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.

But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.

Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!

Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.

We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.

Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.

Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!

But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.

Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.

Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.

And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.

All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.

He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.