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Christopher Carter's Articles in Business

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  • MAiSPACE Celebrates Ever Expanding Office Furniture Business
    MAiSPACE celebrated its fifteen years of business in 2008. Fifteen years ago the company began life in Mount Olive, NJ, around business processes focused on increasing the efficiency, lowering the costs, and broadening the choices available in the contract furniture industry. “From basic framing through surface finish options and accessories, we revolutionized an industry that is for the most part still using outmoded manufacturing processes that result in costs beyond the reach of many of today’s businesses” says Mark Bassil, vice-president and cofounder of MAiSPACE.
  • Financial Panic and Your Business
    Well, we all saw the latest example of Capitalism at its worst this past week with the demise of Lehman Brothers, the bail out of Fannie and Freddie, and the $85 Billion Government line of credit for AIG. Stock prices went through violent convulsions with record swings involving almost 1,500 points in the Dow. What a ride!
  • Maximizing Your Business's Office Space
    Space is an issue for any business. No matter what products or services you sell, you are always in danger of running out of room in your office. Whether it is due to planning your layout poorly, a boom that has required you to enlarge your workforce, or a filing system that is about to explode, there are ways to squeeze more out of the space you have.
  • Internet Business and the Crazy Financial Markets
    During these crazy times, it is clearer than ever that those owning and operating businesses of all kinds and sizes must maintain their focus on their business. While grossly under-reported, business loans are still very obtainable as long as you have the same things you have always had to have to obtain a business loan from your community or area bank i.e. solid business plan, collateral, etc. In other words, capital is still available to entrepreneurs as long as you aren’t relying on smoke and mirrors.
  • Movable Wall Systems and the Modular Office
    Office planning for today’s multitasked workplace environment requires a carefully planned and tailored blend of workspace layouts and floor plans to accommodate personnel employing a wide range of skill sets. Experience, sometimes painful, has taught us that there is no one solution to a modular office system – spaces must be tailored to the tasks being performed.
  • Is Anyone Still Funding Commercial Loans?
    Wall Street is in utter turmoil and banks are simply not lending. Our financial system is not functioning and no one knows just how long the problems will last. Commercial real estate property owners, investors and developers are desperate for capital and many don't know where to turn.
  • Is There a Credit Crisis For Commercial Mortgage Loans
    In my humble opinion the credit crisis will be resolved and we as the commercial loan brokers that stuck it out will be in a strong positions when the secondary market returns. These cycles happen every 10 to 15 years. Compare what is happening right now to the saving and loans crisis. During that cycle 1009 institutions went out of business. 1009... Last week Silver State Bank went out, we're now at 11. 11 vs. 1009...
  • Money For Commercial Loans is Now Available
    People suffering from losses in their business or those without a business can always go for good support in the business loans. It is very obvious that you may suffer losses in your business. The reasons for it can be many in which you can count your less investment too. The more you invest your money and skills in a business, the more successful it will be.
  • Unsecured Business Loans Are The Risk Free Commercial Loan Solutions
    Businesses require regular financial support every now and then. So you as a business person can not escape taking a loan. And while choosing a loan for your circumstances, if you require a smaller loan without any risks, you should be looking for a lender offering unsecured business loans.
  • Office Cubicles and the Technology
    Office furniture must keep up with technological advances. As new technology is introduced, the office furniture industry needs to make necessary adjustments. Thus, when computer and monitor sizes change, desks must evolve accordingly. For instance, in the past, when computers were significantly larger, desks needed to have a larger surface area. However, today, the latest computers are more compact and desks do not need to be as bulky as in the past.
  • Making the Office Hotel More Welcoming
    While some may question when the concept of an office hotel first emerged, the terminology generally dates from the early 1990s when firms began exploring it as a way to reduce costs through shared workspaces.

    For some types of businesses it makes sense, for others it does not. One of the more storied examples of the latter is the experience of the Chiat/Day advertising agency after it decided to eliminate private offices and cubicles in 1995.
  • Office Cubicle Manufacturing and Design
    About 80% of a person’s day is spent working alone or with another person, so why not design an office space that is suitable to this type of environment? MAiSPACE office cubicles are portable furniture pieces that offer very easy means to quickly convert your empty halls and buildings into a modern and professional office. Cubicles can be assembled to provide a private space for employees in noisy work areas without the need for permanent construction. They are the perfect solution to set up instant office space in a limited area.
  • Cordless Workplace and the Office
    Clutter is your workspace's greatest enemy. There is nothing more distracting and even dangerous than a tangle of cords and all manner of other loosely place items and documents crowding your work area. Tackling with your clutter problems should be your number one priority. The first item on your list should be getting your computer cords and cables under control. But the question is how do you go cordless in your workplace?
  • Made to Measure Reception Areas at Off the Rack Prices
    While there is some truth to the old saw that “you can’t judge a book by its cover,” another one says “there is no second first impression.”
    Contradictory? Perhaps so. “But how many of us in search of a product or service have looked at a potential vendor’s establishment and turned back because of an unattractive first impression?” asks Mark Bassil, co-founder and vice president of MAiSPACE, a Mt. Olive, NJ, based manufacturer of modular office furniture system
  • Finding the best unsecured commercial loans
    At first thought, an unsecured business loan may seem impossible to get. It can really look difficult when you study some of the logistical issues that lenders consider.
  • Spectacular Modular Offices at $12 - $15 per Square Foot Installed
    Look around and you will see technology wonders that not too many years ago were but dreams in the minds of the inventors. What is most amazing is the affordability of these products compared to price tags carried when they first came to market. Two examples are pocket calculators and cell phones – which in themselves have “merged” into a single unit for cutting-edge consumers. Efficient mass production of such products lowers the price while broadening the market.
  • Office Furniture and Custom Design
    MAiSPACE believes that an office is more than a place to work. It’s the womb that nurtures ideas, promotes communication, and new generations of products and services. An office is more than a desk and credenza. It exudes our lifestyles, our work ethic and for many of us, it is our haven in the fast-paced world of productivity, profitability and shareholder equity.
  • Low Rent, High Class Offices
    Business districts in older sections of cities are undergoing a renaissance fueled in part by lower rents that attract new or existing companies that need to be close to their customers and suppliers.

    “Areas such as New York’s Tribeca and Soho, which not too many years ago would have been written off as a business location have been transformed into vibrant, viable addresses,” comments Mark Bassil, co-founder and vice president of MAiSPACE, a Mt. Olive, NJ, based manufacturer of modular office furniture systems.
  • Office Cubicle Pricing and Effects
    Today more and more companies are reconsidering office cubicles in interior office design. Cubicles allow you change your office layout as many times as you wish. You can go for an open plan office; office space divided by movable partitions or you can opt for a bullpen style office, the one with open office areas with no partitions. But most importantly office cubicles provide facility cost savings. Office cubicles are undoubtedly the most desirable furniture systems as such they allow businesses to get the most out of their investment.
  • Furnishing Tips for the Executive Suite
    Systems furniture is not generally associated with corner offices and executive suites, according to Mark Bassil, co-founder and vice president of MAiSPACE, a Mt. Olive, NJ, based manufacturer of modular office furniture systems. “But by doing some homework smart interior designers and facility managers can save substantial amounts of money, time and aggravation by single-sourcing the entire project to integrated, turnkey providers in the contract furniture industry.”
  • Negotiating Office Lease Packages
    For growing companies it generally is inevitable – more space is needed to handle the expanding business.
    “Finding suitable new quarters can be stressful as companies seek a balance between budgets and a desirable location,” says Mark Bassil, co-founder and vice president of MAiSPACE, a Mt. Olive, NJ, based manufacturer of modular office furniture systems.
  • Trading Oil in Commodity - Futures Trading
    Traditionally, commodity trading in petroleum products was a place where only the elite, super traders dared to venture. With barrels holding 42 gallons each and a contract minimum of 1,000 barrels, delivering oil was a task best left to the professionals. However, the petroleum trading landscape has undergone some dramatic changes over recent years.
  • Decision Making And Successful Commodity Trading
    Whether we are deciding to enjoy a cup of regular or decaffeinated coffee in the morning or to sign that sales contract with the BMW broker; personal preferences may play a role in the final decision you reach. The more cognitive the decisions the more we rely on our personal preferences to sort out the background noise from the important issues. Personal preferences efficiently assist us in making rapid and seamless decisions by sorting out the important from the less important.
  • Commodity Trading Analysis
    Analysis of the commodity trading markets is considered most important for the success of the trading business. Commodities are ranked or listed as per their availability, productions and requirements. The study provides investment advice, analysis and decision support to the commodity futures trader by way of real-time streaming charts, combined with minute details of the analysis. Information on food commodities is collected based on the quantities of local production, per capita consumption, changes in stock, exports, imports, seeds, industrial uses and depreciation.
  • Customized Office Cubicles for Law Offices
    People come in all shapes and sizes. One size fits all, generic, office furniture does not meet the needs of an increasingly diverse and individualistic workforce. Some professions reflect these trends more than others, and among all, law firms have been under constant pressure to adapt.. Unlike other professions, law offices are always visible and their appearance, outlook and image is very critical because of the nature of their profession.
  • Trading Options Tip - Commodities
    When the market is highly volatility, Buying deep in-the-money options is favored over at-the-money and out-of-the-money options as when market begins to come back down to more 'normal volatility' levels the ATM and OTM are going to suffer.
  • Commodity Trading Involves Some Risk With Big Rewards
    Commodity trading is the buying and selling of contracts of items that we use everyday. It is the trading of primary or raw products. Some of the items traded in the commodities market include such common, everyday items as: soy beans, cotton, orange juice, cocoa, sugar, wheat, corn, barley, pork bellies, milk, feedstuffs, fruits, vegetables, other grains, other beans, hay, other livestock, meats, poultry, and eggs.
  • Office Cubicles and Furniture for Large Spaces
    Today, the trend in the corporate world is towards minimizing personal office spaces as the number of people working in these spaces has been steadily increasing. These are predominantly office workers who sit in call-center environments. The expansion of the workforce may eliminate some individual offices but companies still need additional space for employee training, conferencing, and team activity. According to a recent study, between 2002 and 2007, the amount of space devoted to shared areas such as training, conference, and break-out areas has increased over 17 percent. As such, businesses are more willing to invest in flexible and reconfigurable office furniture that allows for easy moves, changes, and relocations.
  • Prime Lending Rate As an Economic Indicator
    Prime lending rates (PLR) relate to interest rates charged by commercial banks for the benefit of their clients solvents. Prime lending rates can also be described as the fees paid by companies first to banks in order to obtain funds.
  • Commercial Real Estate Loans - Finding the "Right" Lender
    We recently closed a medical office building loan in Michigan, it was a cash out refinance with a loan amount of $2,300,000. It was a challenging loan for both the Doctor and us because of 1. The general weak condition of the capital markets in general, and exasperated by an even weaker Metro Detroit/Michigan market. 2. The Doctor only showed $36,000 of personal income. 3 His credit score was 638.
  • Google Ranking Factors
    Internet Marketing Companies and, more specifically, Search Engine Marketing Companies focus their attention on Google when it comes to achieving high organic rankings. This should make obvious sense since the overwhelming and growing majority of internet searches are performed using Google. However what are the factors that Google uses to generate its rankings? As such, what therefore should be the chief strategies for Search Engine Marketing Companies?
  • Modern Furniture and the Office Dream
    The need for creative thinking in the workplace is undeniable. But the setting has to be right. The surroundings are critical to stimulate the brain and boost creativity. The office setting is meant to inspire employees and help them solve problems.
  • Commercial Loan Processing by NYC Underwriters
    The philosophy of N.Y.C.U. is simple we market ourselves as exactly, who we are “TRUE COMMERCIAL UNDERWRITERS” which has gained us the reputation and trusted client base that consists of private lenders (N.Y.C.U’s Investor Associates). Along with a broker client base who work closely with and trust N.Y.C.U. to underwrite their loan files correctly on a daily basis. The tedious process of underwriting a commercial loan file correctly is the exact reason most loans do not come to fruition, when a file is not underwritten, packaged and presented to the lending source properly the lender will most likely decline to fund YOUR LOAN. It is always convenient for the “Loan Originator” to put the blame on either “you” the client or the lender (never themselves), when in fact 98% of the time it is the Loan Originators inexperience or inability to understand the underwriting process as the main reason for YOUR LOAN not closing, N.Y.C.U. prides itself on performing the necessary due diligence to properly package and present YOUR LOAN correctly.
  • NYC Underwriters And Thier Philosophy
    NYC Underwriters adheres to a philosophy that was developed with over 30 years of financial experience, which allows N.Y.C.U to properly underwrite commercial loan files as a hired independent contractor for some of the largest and most astute private investors and fund managers the industry has to offer. Our Investor Associates, such as Greenspan Holdings AMG Funding, Edge Funds LLC, Franklin First Financial and Black Acre Capital Management are a few of the private sources that N.Y.C.U. utilizes with combined lending portfolios that go well into the billions of dollars.
  • Workstations: Productive, Ergonomic and Healthy
    Over 150 million Americans go to work every day contributing to the growth and prosperity of the American economy. With an ever-growing, dynamic, and diverse workforce, the domestic economy continues to grow almost every year. The safety and health of our work force is and ongoing important issue. The Occupational Safety and Health Administration (OSHA), an agency within the U.S Department of Labor, is responsible for the enforcement of the laws enacted by Congress to protect America’s workforce.
  • Medical Office Building Loans – During Current Conditions
    We get a lot of loan requests from Doctors seeking to purchase a new facility, or refinance an existing medical office building loan. Many Doctors are surprised to learn about the current state of the market and how their options are becoming limited. The landscape has dramatically changed. One of the harder things for many Doctors to believe or accept is that the decline rate from the major national banks is currently at 90-95%. That means that out of 100 loan applications that are turned in, 90 to 95 of them are declined... Even for Doctors. Many banks are only considering perfect deals.
  • Commercial Mortgage Interest Rates
    Commercial mortgage interest rates are a combination of the margin that the bank changes and the index that they use. For example if a bank quoted Prime (the index) plus 2% (the margin) you're actual or "effective interest rate" would be 7% (Prime is currently at 5%).

    Lenders use a wide range of indexes. On owner occupant transactions Prime is still very popular and is used much of the time. This is especially true with floating rate loans. The SBA 7a program still uses Prime for example. Commercial investment deals use a broad range of indexes. The treasuries are popular but each individual lender has their preferences. The index used is probably less important for the borrower than the margin that the funding bank uses.
  • Asset Based Financing, Alternative Ways of Financing, Large Commercial Real Estate Projects
    Traditional financing provides much needed funding to advance major commercial or other tangible projects, and it is particularly beneficial to companies that plan months in advance. But what happens when funding is required immediately or clients have minimal experience? Asset-based financing can help clients avoid the complexities involved with traditional financing methods.

    The Challenge
    Because of many lenders' strict guidelines, the types of large commercial projects they will finance are limited. These agreements involve formal appraisals, third-party reports and approval from loan committees. In many cases, clients also need previous experience or equity partners to qualify. The approval process is long, complicated and uncertain. Commercial financing may also involve last-minute surprises should the bank or financial institution change terms or pull funding altogether. Even with adequate assets, the project may not garner approval. Worse yet, a bank can call its notes due at any moment, because its lending guidelines may have changed or their investors or regulators may not be satisfied with the lending institution's choice of investments.
  • Adverse Credit Business Loans - Easy Financial Access
    Having a multiple payment fault in a business person's name does not surprise anymore, as more and more such people have such history. Still, they can find adverse credit business loans on internet and pick up a suitable deal as per the terms-conditions. At the same time, it should be admitted that even these especial loans require the borrowers to win the lenders' faith in them.

    This can be done by proving that you are worthy of credit, implying that the business people need to produce all the documents of their trade in order to prove its repayment capability. Take a convincing repayment plan to the lender. As your FICO-score has plunged from acceptable levels of 650, make adequate efforts to first improve it to some extent. Also, take out copies of your credit report for ensuring that it has no errors.
  • Commercial Business Loans - Help You Scale the Height of Success
    With the better chance to grow much more, a number of people prefer doing business. Now that you may need a good sum at such affairs, getting financial helps can be a good way to sail across the success route. Commercial business loans are easily available for such kind of purposes, where you can find any kind of your financial solution required by your business.
  • 90% Commercial Loans - Does This Really Exist?
    Business owners as well as investors are constantly looking for way to increase their rate of return. One of the quickest way to do this in the commercial real estate industry is buy property with as little down as possible.

    However banks and lenders make the rules and dictate what the minimum are for down payments. Currently as of this writing there are really only two viable options for straight 90% commercial loans. And those options are restricted to the SBA and a couple of CMBS lenders that are still in business. These loans are only for business owners and not for investors.
  • Commercial Loan For Your Hotel Property
    Getting a commercial mortgage for a hotel property is very similar to getting a commercial mortgage for an owner occupied commercial property with a few subtle differences. The driving force for the majority of most hotel income is the RevPar or revenue per available room. RevPar is most commonly calculated by multiplying a hotels average daily room rate (ADR) by it occupancy rate and is a key indicator of performance. Rising RevPar is an indication that either occupancy is improving; the ADR is increasing, or a combination of the two.
  • Secured Business Loan - Give Momentum to Your Business
    Business may be defined as an act of transaction between goods and money. A business can never be flourished without strong financial base. Most commonly, business run on credit. Manufacturing of goods, shipment and payment to the employee all are done prior to the payment released by party.

    A secured business loan ensures the smooth running of the company and bridge the gap of time between supply of the goods and its payment.
  • Commercial Financing with Bad Credit
    A wide range of small, medium and startup businesses with bad credit go for commercial loans. Commercial financing assists them to restructure their debts, preserve working capital, increase availability of funds, and reduce expenses.

    Commercial loans are usually given for a total period of 30 years. Bad credit commercial financing programs allow borrowers fast and flexible financing options. These are provided with low equity rates and far lower fees. Commercial financing with bad credit can be either secured or unsecured loans.
  • Commercial Loan Processing Explained
    It is important to understand the process behind commercial loan processing to gain an insight into how a financing institution assesses and decides on whether or not a loan is granted. While commercial loans provide an attractive source of income in terms of interest, lenders exercise a lot of care in evaluating borrowers to ensure that funds lent out are recovered along with the earnings.
  • Special Scales in Difficult Industrial Environmental Conditions
    There are special industrial environments which make it very difficult to use standard scales to weigh tanks, drums, chemicals and other items. These environments often have aggressive acids or caustics which would quickly destroy a standard industrial scale. The most common of this type of environment is in water and waste water treatment plants. But there are a wide variety of other situations which are equally severe. These may include chemical manufacturing plants, electro-plating environments, and fertilizer and agricultural manufacturing.
  • Commercial Loan Refinancing and Financial Funding
    Commercial loans once acquired are often never reexamined to insure that the best financing value has been negotiated. It is an understatement to say that the business world is dynamic and economic conditions are always evolving. Changes often occur that might indicate the need for the reevaluation of a company or individual position with respect to commercial loans. There are several important reasons that might cause one to consider refinancing of a commercial loan. A few of these reasons are enumerated below;
  • Commercial Hard Money Loan Scenarios
    A commercial hard money loan is a non-conventional commercial real estate loan that is not made by a traditional bank. This type of commercial financing has been in use for over 50 years. Such loans usually have a first lien on commercial property. If a hard money loan has a secondary lien, it is known as mezzanine financing.
  • How to Choose the Right Commercial Lender and the Right Commercial Loan
    It is often tempting to jump into the first opportunity for a commercial loan that you may come across. While your tendency may be to focus on how additional funds may support or expand your business or commercial real estate portfolio, you have to take the time to make two important considerations - choosing the right commercial lender as well as the right loan for your business. You should evaluate potential lenders as well as their commercial financing options to see which are best suited for your needs.
  • Innovative Ideas? Business Loans Are Your Answer
    New businesses come and go every day and innovation is part of each of those new businesses. Starting a new business takes conviction and guts but it also takes money. So if you have got an innovative idea that you want to see turn into a prosperous business but you don't have the financing you need then it's time to explore small business loans to see your idea come to life.
  • How To Apply For Commercial Loans
    The moment you make a search for commercial loans, you will be amazed by the various types of commercial loans that would be available for you. As a first-timer, it is natural that you are quite perplexed by this diversity, however a little bit insight will show that it is not so difficult to apply for a commercial loan. The best approach is restraint. In other words, do not be beleaguered by the variety…instead, use the present value of money concept to zero down on a particular commercial loan. In this way, you can reduce the interest rates and all applicable fees to a common value by discounting them to the present.
  • How Can I Refinance A Commercial Loan?
    Loans are available for everyone in need. You may be a salaried class person or a businessman looking forward to raise money on the basis of commercial premises. However, when you borrow money on fixed rates, you are devoid of any favourable changes that take place in the market like a fall in the interest rate. In such circumstances, you might want to shift the lender to avail of the benefits of lower interest rates.
  • Financing And Refinancing Through Commercial Loans
    Business establishments all over the world need a proper channel of cash flow so that they can maintain regularity in growth and diversification. As it is rightly said, finance is fundamental to the growth of an old business and vital for any businessman to put the business planning take into action.

    Loans for business purposes are available by pledging commercial properties or by borrowing without supplying any security. In both cases, there are lots of differences like the loan eligibility, the rate of interest offered by the lender, the loan tenure and repayment conditions.
  • Working Capital Loan - Business Funding Was Never So Easy!
    To define a working capital loan in the simplest terms, one might say that it is a loan whose purpose is to finance everyday operations of a company. Anybody who has ever owned a business, or is running one currently, would know that a business often faces an urgent need of funds to keep operating smoothly. It may also find itself in need of funds in order to expand and grow. Under such circumstances, a working capital loan can be a veritable life saver.
  • The Industrial Process of Weighing
    The industrial process of weighing is truly found industry wide. It is used in shipping and receiving. It is used for chemical formulation and drum filling. It is used for mixing, batching and dispensing. Parts counting is often done by weight, when identical items are being counted.
  • Integration of Style and Value within Modular Office Cubicles
    At MAiSPACE, we have integrated style and value with modular office cubicles that look and work great in any work environment. We provide a wide range of modular office cubicle products that are easy to configure to fit any office environment and manufactured with the highest industry standards in office furniture.
  • Corporate and Promotional Chocolate
    Are you looking for a real leg-up on your competition? Have you had difficulty coming up with really great ways of “saying it” with your customers and prospects?

    The online site operated by Choconet should be bookmarked as your new resource on the numerous ways you can use chocolate to customize your message and vary your approaches, both long and short term. And, who doesn’t like chocolate!!!
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