Ah, the good ‘ol days, back when in 2008. Life was so much simpler then. When an investor purchased real estate after foreclosure the trustee conveyed clear title to the new owner. All junior liens, including junior leases, were wiped out. If the property had a tenant, no worries, the new owner need only give a notice terminating the tenancy.Planning was easy; so was turning around a dead property and putting it back on-the-market, ready for a new family, occupied, useful and socially beneficial again, typically at a windfall savings to the new homeowner. In July 2008, the California legislature where I practice, with our Governator’s consent, increased the 30-day tenant notice period to 60 days, not a great piece of news for the much-needed California real estate investor but at least the new law was clear and the investor could still plan.And then came Barack.In a major federal intrusion into long-settled, clear, and fair California state law, Obama and the democratically-controlled Congress passed the beneficently-titled “Protecting Tenants At Foreclosure Act” signed into law by President Obama on May 20, 2009. As with many of the grandiosely named federal laws, this one too has a truth in labeling problem.The Act doesn’t “protect” tenants in California so much as it delays the rehabilitation of foreclosed properties and the offer of those properties to new families at discounted prices, increases the cost and uncertainty of real estate investment in tenant-occupied properties in California, and increases the amount of deficiencies to be born by the lender in foreclosure since new investors price into their bids the inevitable delay and uncertainty that Obama’s law creates. More troubling, the Obama law has given rise to tenant scams wherein tenants seek to extort huge sums of money from the new investor in exchange for leaving. How has the Obama law created such uncertainty and havoc?It’s very simple. Recall that under pre-Obama state law, the junior lease held by the tenant was extinguished by the foreclosure sale. In nearly all foreclosure cases, the tenant’s lease was junior to the foreclosed deed of trust because it either came after that deed of trust or because the lease contained a subordination clause. Thus, the new investor bidding at foreclosure could do so knowing that he would receive absolutely clear title to the property and that any tenant residing there could be evicted on either a 3-day or 30-day notice (later increased to 60 days), depending upon whether the tenant was the prior owner.The critical change to California legal prerogatives that Mr. Obama’s federal law made is that now new investors purchase at foreclosure “subject to” any existing term lease. In other words, the tenant’s leasehold is no longer wiped out at the foreclosure sale. If the lease is month-to-month, the new owner must give the tenant a 90-day notice, a period thirty days greater than what California state law currently provides.From a policy standpoint, this hastily prepared law makes little sense. The real estate market won’t recover until it first hits bottom. It is the real estate investor, the “flipper”, who will determine the bottom of the real estate market. For the benefit of all homeowners, the law should be making the process easy for flippers to turn these foreclosed properties around. Instead, the federal government has chosen to make the process for investors less certain, more costly, and more time consuming. Additionally, the Obama law was an unnecessary incursion into state law since California’s 60-day notice statute already adequately protected the rights of tenants.As if waiting 90 days-an eternity in real estate time-to terminate a tenancy weren’t bad enough, the law gets worse. The Obama law also permits term-lease tenants to stay for the duration of their term, even where the remaining term exceeds 90 days. The upshot? A real estate investor in a tenant-occupied property in California has no idea going in how long it will take to offer to the market a vacant property. But don’t worry investors, our president had your concerns in mind when he signed the law. In a gesture of presidential even-handedness, Mr. Obama limited the scope of the law to only “bona fide tenancies” and “bona fide leases”. Under the law, a bona fide tenant is one who a) is not the prior owner or the child, spouse, or parent of the prior owner, b) the lease was the result of an arms length transaction, and c) the lease requires rent “not substantially less than fair market rent”. The law fails to define “not substantially less than fair market rent.”For the tenant to stay the duration of his term lease, the lease must also have been signed “before the notice of foreclosure”. The Obama law does not define what is meant by “before the notice of foreclosure.” Does that term mean before the tenant’s or the owner’s actual notice of… what? Default? Notice of Sale? What about the cases where the foreclosure sale was postponed? Is the time of “notice” the date of the original sale or the postponed date? Is the prior owner’s power to lease tied to his right of redemption? Since the law doesn’t specify, it is virtually impossible for the new owner to know whether the tenant signed his term lease “before notice of the foreclosure” or afterwards.In order for the new owner to learn whether the Obama law requires a 90-day notice or permits the tenant to stay for the balance of a term lease, the investor will have to sleuth out facts about the lease and tenancy, all of which will have to be voluntarily disclosed by the tenant. For example, the new owner will have to learn who the tenant is and whether the tenant is related to the prior owner. The new owner must obtain the tenant’s lease so that he can determine at what point during the foreclosure process the lease was entered into, whether the rent is “not substantially below fair market rent”, and, most importantly, what term remains on the lease. The foregoing facts were irrelevant under state law but are now central issues due to the Obama federal law.In practical terms, what is the problem? Where President Obama and his fellow utopians saw an opportunity for reform, tenants saw an opportunity for profit. Tenants and foreclosed property owners (particularly when the tenant and prior owner had a pre-existing personal relationship) have colluded to enter into long term leases near the time of foreclosure thus tying the property up for the new owner. When the new owner comes on the scene, the tenant then demands an exorbitant amount of money in order to move.The Obama law’s failure to define “before notice of the foreclosure” guarantees that the issue of whether the term lease is valid, i.e. whether it was entered into before or after “notice of the foreclosure”, will have to be litigated. The Obama law makes this scam possible because it circumvents California state law that would have wiped out the junior lease at foreclosure.It didn’t take tenant lawyers long to get into the act. Now, when a tenant-occupied property goes to foreclosure, the tenant is inundated with solicitations from lawyers promising the tenant months of free rent and financial windfall. These solicitations advise the tenants not to cooperate with the new owner, not to identify themselves, not to give the new owner a copy of the lease, not to say how long they have lived there. In short, the tenants are being told not to give any information to the new owner, regardless of the new owner’s legal right to the information. The tenants are also advised against complying with the new owner’s statutory rights to enter the premises or cooperating in the new owner’s efforts to renovate and market the property.What are the solutions to the problems created by the Obama law? First, try to work with the tenant. Speak to the tenant and try to learn his name and the names of all people living at the property. Try to obtain a copy of the lease. Attempt to work out a cash-for-keys deal or, if your business model calls for the tenant to stay, try to close a new lease. This process may take a lot of telephone calls and trips to the property. Second, make clear to the tenant that, if you have to hire a lawyer, all deals are off and the lawyer will do all that he must to safeguard the new owner’s rights. Third, if you have a steadfastly uncooperative tenant, your only option is to obtain legal help.I have a system in place to deal with uncooperative tenants that begins with telephone calls and correspondence and continues all the way through multiple lawsuits designed to give the tenant incentive to cooperate and to move-out, nearly always before the 90-day Obama period and commonly in as little as 30 days.The costs and attorney’s fees associated with this system are often less than what you would pay the tenant to move, less than the monthly carrying charges on many properties, and a fraction of the discount that you factored into your bid to acquire the property because it was tenant-occupied. If you would like to learn more, please contact me so that we can explore your options. Please remember: You do not have to tolerate an uncooperative or scamming tenant.
Life Insurance FAQs
Buying the right type and the right amount of life insurance can be a confusing process, especially if you are just beginning to research the best life insurance policy for you and your family. There are many questions to consider and there isn’t a one-policy-fits-all answer. Although you will definitely want to discuss all of your options with a reputable insurance agent who will provide recommendations based on your specific needs, here are some life insurance FAQs to get you started:How much insurance do I need?
The amount of life insurance you need depends on your individual circumstances and may need to be modified several times during your life as your family grows and your assets increase. The general rule of thumb is that your insurance equals six to eight times your annual gross income. However, there are many important factors to take into account:
• The number of individuals who are financially dependent on you
• Income sources and amounts other than your salary earnings
• Whether you are married and, if so, your spouse’s annual gross income
• Whether you have any special insurance needs, such as mortgages, estate planning, college funding, etc.
• The amount of death benefits payable from an employer-sponsored insurance plan and social securityWhat is term insurance?
Term life insurance provides protection for a specific period of time, and it only pays a benefit if you pass away during the term. Term insurance is a popular option because it is generally inexpensive when you purchase it at an earlier age and benefits can be used to pay off outstanding debts.What is whole insurance?
As long as you pay the premiums, which will be higher than term insurance, whole life insurance remains in effect throughout your lifetime. Whole life insurance policies are especially beneficial if you want to use your insurance as collateral for loans or receive cash payments while you are still living.What is universal insurance?
Universal life insurance gives you permanent insurance protection, but it is more flexible than whole life insurance because it allows you to select the amount of protection that best fits you and your family. You can increase or decrease your universal coverage as your insurance needs change, and have more control over the amount and frequency of payments.Whom can I name as a beneficiary?
Your beneficiary is the person or persons for whom you will want to provide financial support when you pass away, and is typically a spouse, children, or other relatives. However, remember that you may need to update your insurance policy as circumstances change. For instance, if your spouse becomes unable to handle financial matters or you get divorced, you may need to review and modify the beneficiary designation on your policy.Can I name my estate as beneficiary?
The short answer is yes, but it may not be the best option for a variety of financial considerations. For example, many state laws dictate that life insurance benefits paid to an estate must go through a probate process before your beneficiaries can receive the proceeds of your policy. You will want to speak with your legal advisor to discuss the financial implications of naming your estate as your beneficiary.Do I have to take a medical exam?
Medical exam requirements vary depending on the life insurance company, but most will require some form of exam to obtain an objective evaluation of your health. As you might imagine, the results of a medical exam will influence the type and amount of insurance for which you are eligible. One of the most important health factors is whether or not you smoke cigarettes. Due to the increased mortality risk associated with smoking, smokers almost always pay higher premiums and, in some cases, may be denied life insurance coverage.These are likely just a few of the questions you have about life insurance. Get all of the answers you need to choose the best type and amount of insurance for you and your family when you meet with a trustworthy insurance agent. Learn more about insurance by visiting http://www.KellyWilliamsIns.com or calling 562.498.8661.
Top Goal for Small Businesses: The Eight Most Important Checkup Questions for 2021
Are you happy with your business this year? What are you going to do differently? How can you hire the right people to support your vision? Sadly, many small business owners do not spend enough time planning for the future. It’s quite understandable. Managers must keep pace with the daily demands of their businesses, including payroll, taxes, product/service delivery, and customer expectations.Fortunately, the end of the year is the perfect time for a comprehensive evaluation of your company. Your business needs a checkup. Most people can relate to a checkup with their local doctor, depending on their background and personality characteristics (age, sex, family medical history). The doctor will conduct a variety of tests, including blood, vision, heart, and hearing.In fact, one element like an individual’s weight is not the only indicator of overall good health. Likewise, small businesses could benefit from a good checkup too. Successful entrepreneurs think strategically when engaged in a hostile, global environment.After 27 years of managing projects and conducting over 100 organizational evaluations of business organizations, I realize that both large and small organizations struggle in implementing their operations effectively. This article examines how small businesses need to conduct an effective checkup of their organizations.Welcome to the New Normal! Yet, nearly a year after this pandemic, the full impact on the U.S. economy is unclear. According to recent studies, more than four million Americans have left the workforce, and nearly 10 million are now unemployed compared with last February.In fact, the number of unemployed people continues to rise. According to a business study conducted between March 28 and April 4, 2020, small businesses have been heavily damaged by the lockdowns due to Covid-19.In an analysis of more than 5,800 small businesses (reaching a network of 4.6 million small businesses), the research highlighted the damage caused by the pandemic. The results showed evident damage of the pandemic. At this juncture, 43% of businesses had temporarily closed, and nearly all of these closures were due to COVID-19.Respondents stated that they had temporarily closed, largely pointed to reductions in demand and employee health concerns as the reasons for closure. In fact, the businesses, on average, reported having reduced their active employment by 39% since January.All industries have been impacted. However, retail, arts and entertainment, personal services, food services, and hospitality businesses showed significant employment declines exceeding 50%. Some businesses hope for assistance from the government.According to a Babson’s Goldman Sachs report, 88% of U.S. small business owners have already exhausted their Paycheck Protection Program (PPP) loan; the Small Business Association gave these loans specifically to help businesses keep their workforce employed during the pandemic. These loans were helpful.Yet, these successes do not diminish the fact that more than 32% of PPP loan recipients already have laid off employees or cut wages. In fact, Forty-three percent of Black small business owners reported that their businesses’ cash reserves would be depleted by year’s end due to Covid-19.Today’s small businesses and entrepreneurs must retool themselves, given the potential impacts of Covid-19 have the necessary capacity to change their way of thinking because of their passion. However, small businesses must be willing to evaluate their current operations and make the required changes.For example, customers have largely gone online to purchase services due to the lockdowns. If a business does not have an online presence now, this company does not exist. Internet pioneer and CEO of PSINet Bill Schrader explains the significant of online visibility: “Almost overnight, the Internet’s gone from a technical wonder to a business must.”With the appropriate diagnosis of an organization, a business can develop more sustainable success. Thus, the right checkup is critical.Below are some critical questions to help you conduct your own self-checkup:
Do you have a clear vision for your business? What is it?
Do you know why your customers buy from you and why others do not buy from you?
What results are you getting from your marketing? Do you have an effective online presence on the web?
Are you collecting data or the right kind of data on your customers and competitors?
Are you keeping pace with your industry trends? If so, what are the key trends?
How are you measuring results (i.e., key performance indicators like cash flow and revenue)?
What are your key competitors’ marketing strategies?
Have you evaluated your strengths and weaknesses (i.e., SWOT Analysis)?
In summary, successful global businesses, like IBM and Google, have continuous systems in place to evaluate their performance. Let’s call this process an organizational checkup.Small businesses that want to succeed in this global and technological climate must be able to conduct this self-evaluation or checkup. This article demonstrated the relevancy of a good checkup to help improve a business by asking probing questions. In many cases, small businesses do not have to take on this organizational checkup along.There are various organizations like the Small Business Administration and local universities that can assist in this process. Have you conducted a checkup for your business this year? It’s not too late. Start the new year with a healthy business checkup.© 2021 by D. D. Green
Big Screen Entertainment Centers
Home entertainment centers, apart from providing storage space for the audiovisual equipment, can serve as the ideal place for a family gathering every evening if you plan your entertainment center carefully.Apart from the creative satisfaction that you will derive from this activity, you will also be able to give a unique identity that will transform your house into a well cared for home. All this will require some planning on your part.First of all, plan your space for the PC in the entertainment center. A PC is no longer meant for work alone. You can use it to download songs, videos, and also manage digital data. You will need a few hours of set-up time for connecting it to the entertainment center. This will also include a broadband connection, either a wireless or a wired one.While buying your entertainment center, you need to keep in mind the size of the TV you possess. There are a large number of styles and sizes available in the market, ranging from 21 inch TVs to full-size home theater systems.You can now enjoy the benefits of both the TV and PC at the same time. While the PC makes it easier to download music, you can enjoy music, videos, or movies on the big screen backed with surround-sound speakers systems.If you plan well, your entertainment center can serve as the perfect place for the family to sit together. These entertainment centers have enough storage space that you can also plan to keep your books there.So if one person wants to watch TV or listen to music, he or she can use the headphones and someone else can read a book.Also, while planning your entertainment center, do keep in mind the space requirements and also you home décor and furnishings. You can design your entertainment center as a corner cabinet, wall cabinet, or custom built cabinet.Utilize your space well and don’t stop at anything but the perfect fit. If it is a corner entertainment center that you have opted for, you can stack two or more rounded corner units and in this way transform this empty space into a compact storage center.
Business & Technology Crack
Many people say that the business drives the technology whereas some people say that the technology drives the business. It is really unknown that which is really responsible for what and I must say that the emergence of the information technology has really made it even more complex. All the people who are involved in the business as well as the technology are really in dilemma that which theory is correct. However I have different ideas. I feel that sometimes the technology drives the business and sometimes the business drives the technology. In fact it is right to say that the business and technology are interdependent. I would like to prove the same with the help of this article.Just think that when it was decided that each company should have a board of directors. I must say that this is really a very old practice. Even the ancient Romans too had this in their administration. I really feel that this indicate that the technology came afterwards and hence business need lead to the evolution of the technology. For example the telegraph became famous because of the Reuters. In deed it was the biggest news agency in the world which first used the telegraph for their work. There are many more examples.The industrial revolution which brought about the great change in the field of the business was ignited due to the invention of the steam engine. This really made the world of business grow fore fold throughout the world. This gives us the indication that the technology played an important role for business to become global. In fact the technology is responsible for the globalization of the business.But this does not mean that the technology drives the business. Yes, you can say that the technology increases the speed at which the business activities are performed. But saying that the business is driven by the technology is still not correct.Let me explain you another side of this topic. You know why the telegraph was discovered. Yes this happened because the world of business needed this. The Reuters were the first to use the telegraph and they become the best in the world. Hence can we say that the technology works as the cutting edge so that one business leads over the other? Yes this is really the truth and this time we are absolutely right. This is really the main thing about the relationship between the technology and the business.One can only say that with the help of technology you can win the race which is on among the rivalry businessmen. Let’s think about the issue of the first paragraph and I am quiet confident to say that sometimes the business is driven by the technology and sometimes the technology comes into vicinity because of the business needs.
Internet Marketing Explained In 5 Minutes Or Less
Internet marketing is still a complete mystery to a large
majority of Internet users. For many net users, online
marketing is seen as some foreign area of the web, populated
with silly get-rich-quick schemes and unsavory characters
ready to rip off the innocent and uninformed consumer at
the click of a mouse.In fact, Internet marketing could not be further removed
from this unfaltering picture. In reality, Internet marketing
is populated mainly with hard working professionals promoting
and selling high quality brand products by many of the world’s
Top 500 companies.Worldwide there are now over a billion Internet users,
representing one large global consumer base or marketplace.
The total amount of goods sold online has been steadily
increasing each year as the Internet gains in both popularity and
familiarity. Studies have shown people shop online because of
lower prices, a wider selection of products, easier comparison
shopping, and many just prefer not having to travel to stores
to make a purchase.Handling all this online e-commerce is a whole sector of
companies, hosting providers, web designers, advertising
agencies… and so on. All this online commerce has also
given rise to a relatively new creature — the professional
Internet marketer. Someone who makes a lucrative living
helping facilitate, in one form or another, all this online
activity.Still Internet marketing has gotten a raw deal.If you mention to any group of professionals that you’re
an Internet Marketer and that you work full time on the Internet;
you will receive some very skeptical looks and more than one
arched eyebrow of disbelief.Regardless of this lingering skepticism, Internet marketing
has become a viable alternative for many disgruntled professionals
dissatisfied with their working hours or conditions. It has become
a viable alternative for many people from all walks of life, from
the college student to the bored housewife to the retired doctor…
all are enjoying a part time or full time income from the comfort
of their homes.And since the Internet is now practically available to everyone,
anywhere in the world — Internet marketing is a level playing field.
Anyone can make a full time or part time income from the web if
they truly desire it.There are many forms of Internet marketing. There are many online
business models you can follow. There are countless ways to earn
a good honest income from the Internet. Which path you take
will be largely determined by your own work habits, your background
and what marketing style you’re most comfortable with.Here’s a quick rundown of the most popular forms of Internet
Marketing:1. The Brick and Mortar Store OnlineMost major companies and retail stores have created online
versions of their brick and mortar businesses. Even if
consumers don’t buy online, many use these sites for
gathering product information before buying in the
real world. A factor many savvy businesses are exploiting
in their overall marketing strategies.2. Online ServicesMany service industries have moved online, everything
from travel to banking to dating! Again, the Internet
can be a profitable extension for any service company.3. Internet Products/Internet GurusInternet marketing has a whole history of pioneers who
have forged the methods and techniques of marketing online -
opt-in lists, mini-sites, article marketing, pay-per-click
advertising, joint ventures… a brief history populated with
such names as John Reese, Marlon Sanders, Ralph Wilson,
Yanik Silver, Corey Rudl, Ken Evoy and countless others.A whole new industry has grown around ‘How-to’ market online,
info products, workshops and web seminars — teaching
people how to market on the Internet. A marketer creating
his own product can prove very productive; as seen
by John Reese’s 2004 launch of Traffic Secrets, which earned
over a million dollars in one day. (Without a penny of paid
advertising!)4. Online Advertising and PromotionPay-Per-Click advertising such as those offered by Google
AdWords and other companies presents another viable marketing
route. Keywords (the exact words typed into a search engine)
fuel a large portion of the web’s activity, keyword marketing
has become a major driving force behind most of the economic
transactions on the web. This is a very lucrative sector for
those Internet marketers who know exactly what they’re doing.Then there is the whole section of SEO experts and consultants
who command high prices for positioning companies or products
in the top positions on the major search engines. Acquiring
organic Top 10 search results (SERPs) will greatly determine the
profitability of your online product or company.5. Affiliate MarketingOne of the least understood, yet one of the most profitable
forms of Internet marketing is affiliate marketing. An online
marketer can join any affiliate program and promote its products
or services on the Internet. You market the products, find
customers for the company and receive a cut or commission
for each sale you make from your marketing efforts. These
commissions can run anywhere from 2% to over 50%. One affiliate
click can earn you anywhere from a few cents to several
hundreds of dollars.Major third party affiliate programs or companies such as
Commission Junction, LinkShare, Amazon, Shareasale…
acts as a brokerage or go-between representing thousands of
Top Brand companies such as Sony, Apple, Dell… to online
affiliate marketers. Marketers can join a program such as
Commission Junction or LinkShare and be able to promote and
market hundred of top quality products or services online. They
can consolidate their affiliate marketing through these
third party programs.Perhaps the most common business model for the majority
of online marketers is the last example, or a combination
of advertising and affiliate sales. Many work-from-home
professionals have adopted this business model. They have
created site or sites on the topic that interests them and
of which they have or have gained some expert knowledge.Once these sites become established and gathering a large
amount of targeted web traffic each day, making a nice income
can only be a matter of putting the Google AdSense code on
their pages and placing a few appropriate affiliate
links on their sites.The more traffic these marketers deliver to their sites,
the more income they earn. The more unique content they create,
the more income they earn. The more web sites they design,
the more income they earn.What many people outside of the web marketing field fail
to realize, the Internet is a 24/7/365 business. The Internet
is always on and working for you. It is automatically producing
income for you 24 hours of the day, while you’re sleeping, while
you’re enjoying a nice meal with friends, or even while you’re
on vacation.Internet marketing can provide you with a lifestyle that is totally
liberating — you can live and work anywhere in the world. You can
be your own boss, set your own hours and work from the comfort
of your own home. Plus your whole online Internet business can be
automated so it basically runs itself.Internet marketing is totally flexible. You can adjust your workload to
suit your own work habits. Internet marketing is scalable, once
you have learned how to make your first dollar, it is only
a simple matter of repeating and scaling up what you did to
earn that dollar. Computers and the Internet makes it just as
easy to handle a thousand sales as it is to handle one sale.As Internet marketing becomes better known, it will gradually earn
more and more respect. It will become a well recognized profession
that many will aspire to and follow as a life long career. Mainly because
Internet marketing will give you the freedom rarely seen in any other
profession.It offers you mobility, a high standard of living, and a working
environment that can’t be beat. It gives you the freedom to follow
your own interests and hobbies; all the while turning those interests
into viable revenue streams that supports the lifestyle of your
own choosing. When it is all said and done, earning a living just
doesn’t get any better than this.
ASP Dot NET Web Development – The Best Option To Choose With Numerous Advantages
When you are planning to have a website for your business, starting from the designing process to applications used in the web page development, there are numerous possible combinations. Therefore, it is paramount to select the best combination, which will stimulate the looks, performance, user interface and security. For this purpose, ASP.NET is the best solution, which has been growing tremendously from past few years, and currently, is being extensively used by developers and numerous businesses throughout the world. No doubt, ASP.NET web development has also gained huge popularity and acceptance among the developer community.This server-side web app framework is specially designed for the development of dynamic web applications and web pages. Released in January 2002, with version of 1.0 of dot net framework, it has steadily grown with higher versions. Built in Common Language Runtime, this technology seamlessly allows for faster and smoother development experience.Moreover, there are numerous advantages related with ASP.NET, which makes it the best choice for web development. Some of them include:
Hassle free integration of Active server page with the database ensures efficient web application development. This framework can be used for both basic and advanced development apart from dynamic web designing.
Individuals familiar with Microsoft apps can efficiently utilize this Active Server Page for cost-effectiveness and to save time.
It removes the load of large amount of coding required to build large applications.
ASP dot Net is completely compatible with all Microsoft products. Therefore, for any organization using Microsoft products, it becomes the best choice.
The source code of ASP and HTML are together, therefore it is quite easy to maintain and write ASP.NET pages.
This framework is enriched with excellent toolbox, and also supports visual studio IDE (Integrated Development Environment), which can be helpful in complicated app development.
In assistance with webECS, this active server page framework offers numerous options to satisfy the requirements of the vast variety of clients.
Apart from the above mentioned benefits, there are numerous others that provide huge advantages to the small and large-scale companies. No doubt, ASP.NET is the best choice for any company, looking out for the best web app tool.Along with PHP web development and Java web development, this server side ASP.NET web app development has become quite popular as the best web development option. It is being used by thousands of the businesses around the world for the various reasons such as security, performance, compatibility and ease to use. Thus, if you are planning to have your web development using ASP.NET, than better hire a developer expert in this technology for an efficient and effective outcome.
There is an excessive amount of traffic coming from your Region.
#EANF#
An Inside Look at the Importance of a Smile in Sales
If you’re in sales, then you’ve probably heard all sorts of advice, from “don’t oversell” to “focus on solving problems.” However, one of the best pieces of advice that many forget is to smile! After all, your smile is one of the first features people notice about you, and it plays an essential role in the first impression you make. Keep reading to learn all about the importance of a smile in sales (as well as how cosmetic dentistry can help!).
Smile: Your Sale Depends on It!
Knowing your product and knowing your audience are key in sales. However, you don’t get far if your client doesn’t trust you or believe you. That’s why it’s so important to make a good first impression! Here are a few ways a smile can help:
• Smiling is more powerful than you might think – One study found that smiling has the same effect on our brain as $25,000 in cash!
• Smiling communicates your state of mind – Smiling is a non-verbal cue that you are happy to be where you are, that you are confident in your product, and that you are ready and willing to help.
• Smiling creates a ripple effect of positivity – Have you ever seen a friend yawn and done the same? Or seen someone take a sip of water and immediately realized you’re thirsty? Thanks to the mirroring neurons in our brains, we naturally mimic the behavior of those around us.
But What If You Don’t Like Your Smile?
If you don’t like your smile, don’t worry – that’s where cosmetic dentistry comes in. Whether you’re struggling with misaligned, misshapen, cracked, or otherwise imperfect teeth, your smile goals aren’t out of reach. The first step? Scheduling an appointment with a skilled cosmetic dentist. For both my father and myself, providing high-quality, personalized, and judgment-free dentistry is a passion. There’s truly nothing better than seeing someone walk out of our office with a dazzling, confident smile! So, don’t wait to make your dream smile a reality – it could make all of the difference when it comes to your personal and professional life!
Where to buy beautiful rugs, floor mats and more.
Where to buy beautiful rugs, floor mats and more. Including unique t-shirts, dresses, bags and artworks. All in one website with free shipping worldwide!
QueenNoble.com is the exclusive online art gallery and home décor online store where items were designed by artist QueenNoble Dr. Elle Ramirez. You can get all your home decorating needs in one place without worrying the shipping fee. You can collect all her original art pieces and open editions from your comfort zone in just few clicks. All original artworks will be shipped straight from the country of exhibition with free shipping worldwide. Home décor on QueenNoble is not your usual home decoration items. Every items were designed by QueenNoble Dr. Elle Ramirez exclusively made from handmade paintings turned to manipulated photos to make stunning designs for every home décor items such as the rugs, lamps, wall decors and more. Of course the original artworks of QueenNoble are all available to every collectors who collect only original artworks. The prints are premium quality, framed and ready to hang for everyone’s convenience. Rugs, lamps, pillows and others are designed by QueenNoble, and then manufactured by partnered companies in Europe and in The United States.
The artist And Designer QueenNoble
Dr. Elle Ramirez also known as QueenNoble is an American international fine arts artist, designer, sculptor, photographer and an author. Dr. Ramirez creates rare textured and embossed abstract artworks from wall sculptures to embossed paintings. Her career began from year 2006 up to this present day. (See Wikipedia.)
QueenNoble is known for her textured and embossed abstract artworks mimicking planets, natural stones and rocks, abstract engraved portraits, several monochromatic and vivid concepts.
“Live Minimal” is one of QueenNoble’s art books released year 2021. (See Google Scholar Books)
QueenNoble is also an author of several mental health books like “Quarantine: The Challenges During Quarantine and How to Keep Our Sanity”. QueenNoble is also the author of the Novel called, “The Cart Season 1”. (See more on Amazon)
One Of A Kind Products You Can Buy On QueenNoble
One of a kind luxury collectibles with certificate. Unique items designed and curated by QueenNoble Dr. Elle Ramirez are now available on the official website. One collectible is to one collector or owner. Collectibles can be a wallet, bag, a piece of art, a furniture, a dress or a shirt and more. A first come first served basis. Handmade with love and attention. Own something that no one has in the entire world. Only on QueenNoble. What will you get on the top of that? You will receive a certificate of authenticity upon receiving your item. Free shipping worldwide. Free repair and replacement in case of a major manufacture error. Most items are handmade and are genuine leather so slight imperfections are visible which are the signs of most genuine leathers in the market. Varieties of items and vast selections although items are very quick to be sold.
Who does not want a one of a kind item? It is really disliked to run to someone with the same exact dress in an occasion or a business meeting! Now on QueenNoble not only original hand-painted artworks are available now you get to wear an art yourself anywhere and anytime. Display a furniture or a décor and be asked by a friend or a colleague, “Where can I buy one?” and of course the answer is “You can’t buy that in the market.” Because It is only one!
What happens after you buy a one of a kind on QueenNoble? The price increases yearly for 10 years. What an investment for yourself or a luxurious lifetime gift for a special someone!
From the author’s words:
If you are a collector and a shopper, QueenNoble is definitely where to go specially if you are looking for unique designer’s décor such as rugs, comforters, bags, wall art etc. A lot of selections to choose from. The designs are contemporary and modern. In one look you know where the products are from since you can only find them on queennoble.com. The processes are also very convenient and shipping is fast worldwide.
I bought a one of a kind bag. When I received it it came with an envelope consisting the certificate. The leather bag is stunning. Fast shipping and free delivery. They also offer free repair in case there is a manufacturer error for free.
Note also that if you are a merchant you can sign up on their trading program. There is a 15-30% commission. Less work for you all you do is share the url of the product and your designated coupon code which you’ll receive when you sign up and you get paid everytime someone uses your coupon code. Sound interesting right? Copy code, share url and code on your social media and earn as you go.
QueenNoble is also on Saatchiart, Artmajeur, Singulart Galleries. On QueenNoble’s original artworks, all artworks with certificate of authenticity will be shipped straight to the collector from the current exhibited country and also free shipping worldwide.