How the Theory of Constraints Can Uncover the Missing Link in Your Investment Strategy

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Nov 022020
 

Unless you have a working corporation with employees, outsourcers, systematized operations, rules and regulations, you probably do not run your commercial real estate investing as a true business. Sure you have strategies and ways you like to do things, but are you truly maximizing your resources that can lead to bigger, better, and even more commercial real estate deals? Would you implement a system for every aspect of your current operations if it eliminated excess resources, maximized productivity, identified problem areas or constraints, allowed for those constraints to be corrected, and allowed for ease of communication and control of all those involved with your operations? I think you would.

A problem with many investors is that they do not view their process as a business. They do not have a company name or multiple teams working below them. They do not have business rules, regulations, checks and balances, or protocol for the people they work with. However, the truth is, commercial real estate investing, no matter how small, is a business all itself. In order to optimize this fact, one should follow proven business strategy that allows great companies to flourish with very little constraint or pain.

A very important theory that is used not only in business, but in science, politics, sports, and even everyday life is the Theory of Constraints. This theory literally transcends all boundaries as it is a scientific principle that can be applied to any relationship between two or more subjects. You have all heard of the expression, “You are only as strong as your weakest link.” This is in reference to the Theory of Constraints.

What is basically introduced is the concept that you can look at a process or relationship as a chain. One link to another, that chain is reliant on the strength of the relationship. If it is a process, and each link is a task, then each task must be working optimally so it does not weaken the chain. If one link becomes tired, lazy or behind, then the chain is all together weaker and ineffective at producing the result.

At any one time there can only be one constraint. You must tackle that constraint, and then another may appear. However, at that time, there is only one constraint to attend to. In order for a process or system to be working 100%, each link must be strong. If not, you suffer from inefficiencies; suboptimal performance and a complete slow down of the process.

Do you find areas in your business of commercial real estate investing that you are not pleased with? Are there areas you feel you and the people you work with and rely on could improve? Could wasted time be eliminated? What areas could you improve that would increase overall profitability of your commercial real estate strategies?

Within these questions you will uncover the areas where a streamlined process can greatly improve performance and decrease crisis and other problems. If your current strategy and processes are running at 100%- then there is no need to read this article. However, if you feel there could be considerable improvement, or even a small improvement that could increase your results exponentially, please read on!

If you have a reoccurring problem, you can create a system around it to alleviate the problem and have a working process to follow. With systems in place for every area of your business, you can identify the constraints. Constraints are identified by a build-up of resources where the weakest link can be found. At a certain point if the streamlined process gets slow, and the results are trickling through or you are behind on due dates, go to the place where everything starts slowing down. This is your bottle neck. This is your constraint.

At this time, you need to focus every ounce of energy you have in eliminating the constraint. Look behind the noticeable constraint as well- where was the source? It may not be where you think it is. Dig deep and find what really caused the chain to break.

By identifying the constraint in your process, it can be quickly remedied. You do not have to guess where the problem is or jump from crisis to crisis because you know exactly where the hold-up is.

So you realize the benefit of being implementing systems and finding constraints. Let’s look at how to actually create and implement the processes that will run your business.

Implementing processes and systems are the best way to optimize total performance. How this is done is you write down every single task within a certain boundary. For example, write down every task in creating the information packet to submit to a lender to get approval for a loan on a project. Write down every task for this specific process and then number them in how they follow in sequence.

Are there certain people involved who make this process happen? You may realize how you can cut out duplicated efforts, combine tasks into a single person who performs them, and completely streamline the process. What you do now is create a process map or flow chart showing the entire process from first step to last in the proper sequence.

Identify who does what task and any time allotments or due dates if necessary. You know have a tangible, easy to learn, communicate and control process for submitting a proposal to a lender for a new project. Doing this alone will allow others to follow along with your process and have a clear understanding as to what is supposed to be done.

Do you have protégés or other eager minds willing to help you in order to gain a valuable education from an experienced investor? Now you don’t have to worry about being the only one who “knows” the business. With a clear system and process map, you can now teach those around you the same, working, proven systems. With a process map individual tasks and relationships can be easily changed as continuous improvement is a benefit of process maps.

Do you see how process maps allow for easy identification of the constraints within your system? It is very powerful once you start thinking systematically and stray from the very often used “task by task” mentality.

If you truly want to be a successful, profitable commercial real estate investor, and a continuing improved and profitable investor, treat the investing as a true business with process maps, metrics and controls. It may take a little work to really streamline the business and create the processes from the current tasks being performed.

However, I am sure you can agree of the power this would have on your overall performance and profitability. Eliminate excess resources and duplicate efforts. Maximize total control and effectiveness of each task within the process.

If you feel that you can benefit from this type of systemization, I urge you to start today. Take a look at the big picture of what you are building and learn to optimize at every chance you have. The results can be astounding with just a little awareness as to how you are truly operating and performing.

Mobile Phone Deals: The Easiest Way to Reach the Latest Technology

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Oct 292020
 

Planning to buy the latest handset at the cheapest rate? Go for the cheapest mobile phone deals available in the market. Clinch the best deal along with the best mobile handset and enjoy latest mobile technology.

Login to the online mobile market to stay updated with the latest info about mobile phones and deals. Mobile phone manufacturers including Nokia, Samsung, Sony Ericsson, LG and Motorola are releasing new handsets equipped with hi-fi technology and eye-catching design. Now you get a wide range of options to choose your desired handset. The impressive features of the latest handsets vary from mega pixel camera with digital zoom, MP3 music, excellent stereo sound, Bluetooth connectivity, EDGE, wide screen colour display to high-speed Internet connectivity, 3G technology, exciting games and fast downloading facilities.

Take a look at the Nokia N-series phones. The stylish and highly functional handsets ensure that you get the best of technology and fashion. Nokia N93 performs like a camcorder while Nokia N91 provides you an amazing mobile music experience. Shoot DVD-like quality video clips and photos in breathtaking details with the 3.2 mega pixel camera in Nokia N93. Get hooked to your favourite music played on the in-built MP3 player and FM stereo radio of Nokia N91. Select any handset according to your requirements and search for the cheapest deals available with the handset that suits you.

Leading network service providers including O2 and Vodafone offer attractive contract deals on these handsets. The contract mobile phone deals provide you tariff packages you simply can’t resist! Sign up for the best deal and avail special offers including 12 months free line rental, free gifts like free insurance, minutes and texts, and even free handsets.

So what are you waiting for? Get your mobile phone deal today and enjoy a complete package of multimedia features with your gadget.

What Is Contract Law and Why Should I Hire A Contract Lawyer?

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Oct 192020
 

Contract law is a branch of the legal sector that deals with the legal binding and exchange of agreements between group or parties; in effect, a contract. A contract can be many things: verbal, written, even action oriented. If you buy a dress, for example, you’re contracted to pay the amount of the dress to the merchant. Our daily lives are full of contracts and agreements, some, like the dress, which we don’t normally think about.

What contract law does is protect, defend and examine contracts made between people, agencies, groups, organizations, etc. It falls under the civil law system and is considered part of laws surrounding obligations, or ‘law of obligation.’

Much of the time, the sector of contract law is concerned with breaches of contracts and solutions to the problems that accompany these breeches. What most people don’t know is that, contrary to what they may believe, an informal contract (one made orally, even lightly) can still be as binding and legal as a written contract.

Contract lawyers deal with everything from the formalities and details of a contract to its ultimate follow through. A contract lawyer will ideally ensure that the contractual terms of the contract are complete and in no way uncertain.

This is highly important because, if the terms of a contract are determined ‘incomplete’ or ‘uncertain,’ the contract is liable for severance. For example, if an agreement was made between two parties, and one party tried to break the contract, they might be successful if the contract is deemed uncertain or incomplete by a court of law.

In order to obtain damages for breaking (breeching) a contract, a person may bring a suit against the contract-breaker by filing a civil lawsuit usually in a state court. However, it is within their rights to petition a private arbitrator to hear their case as well. This is best practice in the United States; other countries may have similar processes.

Hiring a contract lawyer to help you out with this process is well worth your time, as they can help resolve any disputes you have with a contract and conversely, ensure a contract is solid and legal, without any uncertain terms that could be grounds for severance.

MyAbogado.com is a popular legal directory that helps users locate legal professionals across the country while providing the legal community and litigation support providers with a low cost method to market their services to other professionals and members of the public across the country. To find out more, please visit myabogado.com

Affordable Dental Insurance: A Way To Save Your Expenses

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Oct 182020
 

The cost of dental treatments is very high. To afford this high cost many insurance companies has come up with dental insurance plans for the individual and his family. Many years ago, dental coverage was considered a luxury because it was so expensive that not too many people could afford it. However, today, with new and new companies coming into existence, you can find affordable dental health insurance from many reputable providers and enjoy the benefits that for so long were difficult to obtain. Insurance companies now have become more and more competitive and are trying to provide the best deals at an affordable and cheap price.



Benefits of Affordable dental medical dental insurance:



•Receives regular, routine dental care that protects you and your family from teeth problems and financial loss.



•Improves your smile, appearance and self image.




Some points need to be understood, when you are under a dental insurance plan. If your employer provides you a dental plan as part of their general health insurance package, it is beneficial to take it as these plans generally tend to be the most affordable and offer the best coverage. Even some employers provide for an overall affordable health and dental insurance plans for the employees’ family.



Otherwise if you are a self employed or your employer is not providing you with an extensive affordable medical and dental insurance, you can buy one from any insurance companies as available in the market. Here you have to pay the premium all by yourself at a monthly or yearly basis. But here due to the availability of many cheap and affordable insurance companies in the market, you can choose one that is best suited for you. You can also buy an affordable supplemental dental insurance to cover the most extensive coverage. Supplemental dental insurance, as the name suggests is an added coverage to what is normally called a simple or typical dental insurance.



For this you need to do a little research on the internet. Since most of the companies now do have on-line facilities, you can easily do this by coming on-line and shopping around a little.

You must cautiously evaluate all the quotes as provided by different insurance companies throughout the country. You should also compare the costs of normally expensive procedures as well as more common procedures such as fillings, scaling and crowns. Many a times the costs of other expensive treatments are divided evenly between the insurance company and the patient. So why wait for long. Just go and buy an affordable dental insurance plan.

Credit Ratings: The Holy Grail for Credit Card Companies

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Oct 072020
 

When it comes to getting a credit card it is fair to say that consumers are awash with offers flowing from all places. The finance market provides stability for both consumers and businesses, but what makes a consumer a good choice for business and more importantly, less of a risk to a credit card business. Through fitting in a category of less risk, you will inevitably get a better deal as a customer and ultimately get to borrow money for less.

The uneasy paradox for most is that because they need to borrow money, they also find they are in a position where they cannot borrow as much as they need. If you are in a position where you need to borrow money and you cannot, then the chances are that you have had the wrong approach in the past. What do we mean by this? You have seen getting credit as a way to borrow money in the long term, where the chances are you have not seen this as a short term fix, or a burst of liquidity that you will be able to finance by either expecting an increase of money in the coming months, or expecting a decrease in expenditure.

As a result of this you may have found that, where as before you could borrow money easily, you are now in a position where you cannot gain credit. This may have become apparent when you tried to get a loan for a car, or maybe you tried to get finance from your bank or a retailer. The fact is that if you have a bad record of paying debts, businesses inevitably see you as more of a risk, and credit card companies are no different.

If you expect you have a poor credit rating, then what should you do? The first step is to contact a credit reference agency, who may charge a small fee for their services. They will be able to provide you with the same information that they provide to their customers (such as banks, retailers, financial services businesses). They will be able to tell you for sure if your credit rating is affecting businesses likelihood of contracting with you.

So you have a bad credit rating, what should you do? Having a bad credit rating is not the end of the world. But what it does mean is that you are likely to get worse deals, and ultimately pay more for borrowing money. Firstly understand that this means you have to realign your attitude to borrowing money, and understand that financial products do not make you any richer, they cost you money, but have the advantage of allowing you to have what you can afford, quicker.

The next step is to look for offers that you are applicable for, and then cost them to find out what is the cheapest. Once you have chosen a credit card that suits your needs, and the one that is most cost-effective for your spending habits, then follow these rules to improve your credit rating and reduce the cost of borrowing over time.

1. Ensure that you pay all debts off on time and that you do not use credit as a means of long term financing. This is what bank loans are for.
2. Make sure that you deal with reputable companies that operate on a large scale as they will sell positive data to credit checking agencies.

Understanding Credit Card Terms

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Oct 062020
 

When it comes to getting a credit card, what may appear to be the best option at first may not work out like you expect. That is why getting your head around the industry jargon and terminology can put you in a better position to work out what will be the best deal for you. Before you choose to use a credit card service, we advise customers that they should initially project how much they are going to spend and how they are going to pay it back, they should then use that information to calculate what service provider will charge the least for financing their purchases. You may be surprised to learn that the provider you initially thought to be the cheapest, may not be when you analyze the finer details of their terms and conditions.

Interest Free Period

An Interest Free Period relates to the amount of time when the APR will be zero. This is more often used as a means of attracting new customers, but will almost certainly only apply to a limited period of your contract. Please also note that it is unlikely and uncommon that this will apply to cash withdrawals.

Introductory Rates (Specials/ Introductory Deals)

Should you be offered a special introductory rate then this means that the rate does not apply for the lifetime of your contract with the service provider. They may offer an introductory rate of 0% APR but this is merely to make you reliant on their service, however watch out because they may charge for other elements such as cash withdrawal. Please note that a wise credit card user may make use of an introductory offer to their advantage.

Annual Percentage Rate (APR)

The amount of additional money you will pay per year on the amount that you borrowed. If for example you borrow $1000 over 1 year, then you will pay an additional $100 if the APR is 10%.

Transfer Rate or Balance Transfer Rate

This is the rate that a credit card provider will charge to clear your existing debt (in whole or in part) if you move your debt to their service. This can often provide advantages for customers because the credit card provider is willing to invest a large amount of money to attain a new customer.

Minimum Repayment

Minimum Credit Card Repayment relates to the minimum amount of your debt that you will have to pay back at the end of each month. This is often in the region of around 4% of your total debt, so therefore although you may not be able to pay all your debt off at the end of the month, please ensure that you are able to pay at least 4% before you complete a purchase.

Rewards and Cashback

This is a system offered by some credit card providers that reward those who choose to spend money using their card. This can sometimes be in the form of Cashback which means that you may get actual cash to spend, or in some cases your cash may be given in the form of a reward where your money will be tied to a particular retailer or given in the form of a gift for example.

How To Find A Deal With An Auto Auction

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Sep 262020
 

If you really want a great deal on a used car, the place to go is a government car auction. This is the best auto auction for getting great used car deals. The vehicles at government auctions have been either seized from criminals or repossessed from owners who did not pay, so they are dirt cheap. Be aware though that there are different kinds of auctions in different parts of the country.

There are more and more government auctions, but other kinds of auctions have increased too. There is so much competition in the used car market, but good-as-new cars and boats are constantly getting seized by the government, so you can always get a deal at a government auction.

There are companies that run used car auctions on the internet. Some of these companies are doing a really good job, offering cheap, high-quality vehicles and convenient service. The internet makes it easy to purchase a car from an auction such as this. It’s much easier than going to a government auction. It’s all at the touch of your fingers. You can choose what are the car is available in, and also you can pick a certain model and year that you are looking for. You can also get different kinds of accessories from these auctions. You can find just what you are looking for, and you can find something in your particular area. It couldn’t be more convenient!

For most of these online auction sites, you have to pay a fee every year. You may not want to pay it, but when you consider how much money you will save on these great deals, it’s nothing.

Before signing up, though, you should make sure you are on the best auction site available. Some auction sites are better than others, and if you register on the first one you see, you might be making a big mistake. Take some time and look at customer comments and ratings before you sign up. One easy way to do this is to type ‘auction’ and ‘review’ into any search engine, and it will pull of lots of information you can use to decide which auction is best for you.

Begin This Year With The Latest Mobile Gizmo

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Sep 192020
 

Year 2007 brings you full of surprises in the form of newest mobile gadget. Now you can make a new style statement with the stylish mobile phones that have just entered the market or are about to be launched. Begin this year with the latest mobile gizmo and show the world that you keep pace with the changing technology.

The ardent users of mobile phones are increasing at a tremendous speed because it is the most preferred communication tool. Due to the cut throat competition in the mobile phones market, consumers can get cheap deals like free line rental plans and contract mobile phone deals. Due to this the technology is constantly being upgraded. Keeping this in mind Nokia has redefined the technology with its high-end mobile phones. Now you can capture all the precious moments with Nokia N95 and Nokia N97 which incorporates built-in 5 mega pixel camera.

Enjoy the tech-savvy lifestyle with Nokia N95. It is all-in-one phone which includes include Carl Zeiss optics, flash, auto focus and a mechanical shutter. It has a large 2.6″ 240×320 pixel display with a 2 stage capture button on the side of the phone. With these amazing features you can record video and watch your video clip almost at DVD quality. Capture the superb quality pictures and share it with your friends by transferring it to any compatible device through Bluetooth wireless connectivity.

Nokia has made the market speechless with it’s announcement of one more N-Series wonder. Nokia N97 is all set to amaze the market. It will soon become the buzz word of the Nokia N-Series with it’s excellent multimedia features. With Nokia N97 you can enjoy the big screen experience by viewing your videos and photos with the high definition 3″ TFT display. This is a new blockbuster which promise to rule all the N-Series available till now with it’s highly incredible and futuristic features. It comes with a brilliant 20 GB memory with expandable miniSD card slot that allows you to access to unlimited music and other entertainment factors with your device.

A look at the ways to pull yourself out of holiday debt

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Sep 162020
 

With the holiday season over, many people now turn their attention towards the problem of paying for their festive spending. With an estimated record £33 billion having been spent over the Christmas period, it can be a good idea to formulate a plan to help pay for your purchases. There are several ways in which sensible planning can help ease the burden of heavy credit card bills dropping through letterboxes.


For example, it can be a good idea to look the interest rates that your credit cards have and look to try to pay off those that have the highest rates. Alternatively, it might be possible to transfer your credit-card balances onto a lower-rate credit card. There are several credit cards on the market that offer excellent interest rates on balance transfers for fixed periods of time, so it can often be beneficial to shop around for the best deals and rates available. When this isn’t possible you may find that loans available from high street banks can beat the rate you are currently paying as banking is a highly competitive market.


However, it’s not usually a good idea to pay off debt with more debt so it may be best to avoid taking out another form of credit in order to pay off your existing debts. In many cases, you might actually end up paying out more money that you would normally. So whatever bills you ran up during the holiday season, make sure you make your payments on time, and if possible, make more than the minimum payment. Late payments can impact on your credit file and create difficulties in obtaining a favourable rate for any future credit, and sometimes can stop you obtaining any credit at all!


Perhaps you received a Christmas bonus in your salary? If so, using the extra money to help pay off some of the outstanding balance is a sensible course of action. The same can be said for any gift money received as using extra money can often help lessen the strain on your finances.


If you find yourself in serious financial difficulties and you are struggling to make repayments, it may help to contact your creditors and explain the situation. Some companies will be happy to accept a lesser payment, rather than receive nothing at all while you get back on a good financial footing. Others may pass your case onto a debt collection agency, where you can often negotiate a lower monthly payment or in some cases a lesser settlement. Or perhaps you could take advantage of some confidential debt consultation; there are several debt consultation and negotiation companies that can help you to manage your debt. But beware; some companies charge a fee for their services.


Many people spend more than they intended to over the holiday period; sometimes without thinking how they will pay back what they owe. However, by formulating a plan to help pay for your festive holiday spending, you can ease the burden of holiday debt considerably.

Blog Optimization for Profit – Part 6

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Sep 122020
 

It takes some research and creativity to find the right money-generating tools for your blog. It’s all a matter of your personal tastes. There are many to choose from.

We’ve discussed about using Google Adsense and other merchants’ affiliate programs to generate profits from your blog. However, here are even more options to monetize your blog.

The first option we’ll be looking at is Chitika. What is Chitika you ask? Chitika is a very innovative contextual advertising program because it can serve very detailed advertisements to your blog that fit perfectly with your blog theme. For example, on your technological gadget blog, Chitika will show advertisements for tech gadgets such as iPods. They show them in different tabs: one for “Best Deals”, another for “Details”, another for “Reviews” and so on. This way, it is more of an informational section for your visitor rather than a blatant advertisement, and naturally the click-through will be higher. You can apply at chitika.com

You can also be an affiliate for Amazon.com. Amazon offers a wide range of products but its predominant niche is in physical books. And, like Adsense, you can select Ad blocks that display products that fit your blog perfectly. Whatever your niche is about, you can probably find a book about it on Amazon.com. Keep in mind though, they do NOT pay big bucks. You can refer visitors to them and earn up to 10% commission. It’s not a lot but if you can manage to refer big volumes of visitors, Amazon is for you. This program really shines when it comes to the ways you can refer visitors: you can use their predefined templates to pull up recent items that match a certain criteria you set, you can target your ad to show a specific item on sale or you can just simply weave your referral links into your blog posts. Every dime helps so join their Associate program if you are into selling hard and soft cover books.

Last, but definitely not least, you can sell advertising space on your blog if your blog is truly popular. Just take a look at blogs like: xiaxue.blogspot.com. That blog receives over 10,000 pageviews every day and naturally merchants will want to strike a deal with the blog’s owner to post their advertisements there. If you manage to pull in huge amounts of traffic like that blog, you can definitely get people to buy ad space on your blog for prices from $150/month upwards, depending on your blog popularity.

To gauge how many pageviews and visitors you get everyday, just use the free tool available at statcounter.com. They have a very detailed setup guide there so I won’t go into it.

If your blog has not acquired a large amount of visitors yet, you can still sell ad space on your blog on a per click or per impression basis. Just visit sites like: adbrite.com. For a complete list of these sites, visit: performancing.com.

This is just one in a 6 part series that should help you drive readers to your blog and maximize earnings and profits from your blog! Yes, it is possible to quit your day job through blogging. All that stands between you and freedom is working smarter, and sometimes harder, towards your goal. It’s a balance. Eventually, after you have worked harder, you will be able to work smarter.

I edit 15 blogs. It took 6 months of learning and working harder before I was able to work smarter and begin making extra income.

I did not jump on every offer and rejected those marketers who claimed I could make overnight riches with no work on my part. In fact, I have spent less than $100.00! You can do this too!

Yours for success!
Jim DeSantis

P.S. – Please forward this article to someone who may benefit from it!

Using Laser Beams To Stop Smoking

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Sep 062020
 

To start smoking, you require the help of only one thing- a lighter or a matchstick. You can do it even without that. A fellow smoker with the burning stub will come to your help. Only when the issue of stop smoking gets priority over all others, for obvious reasons, there are several methods to assist you—or to confuse you.

Today’s so called successful methods become tomorrow’s failure method. Using laser treatment to quit smoking is considered to be one of the most effective smoking cessation methods. This method was introduced to the public only in the recent years and is considered to be a modern and innovative method for quitting smoking. It is trusted method because laser method is used in many other medical branches for various other types of treatment with success. But laser treatment is costly.

The principle involved in laser treatment is simple and scientific. Certain nerve centers can encourage changes in the body. Acupuncture, reflexology, use the very same principle in treating the patients. If pressure is applied on those points, you get the desired results.

Stop smoking laser treatment means the same. Those relevant points in your body are treated with low intensity laser beams. The smoking cessation in you has begun. You feel relaxed, as far as smoking cravings are concerned. The thing that is most liked about this laser treatment is that the results are announced immediately after the examination.
This is your first lesson in smoking cessation. Don’t you take it as the final guarantee.

Nicotine is such a powerful agent, that you can not confront and defeat it by laser therapy alone. Your psychological aspects of addiction are more intense than the physiological aspects. Laser deals with the physical aspects. One excellent virtue about the laser therapy is that it has no side effects. This is a great assurance. In this modern medical treatment, you are sometimes more worried about the side effects than the original disease itself.

So, you accept the laser treatment therapy, in your efforts to stop smoking. But, before that, you need to know some relevant information.

The treatment is very costly. Be prepared for it. Sometimes, you don’t get good results. So club this treatment, along with other types of treatments.

Finally, let your strong will power to quit smoking remain strong. That is the real laser beam!

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