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Is A Car Wash Franchise A ‘cash Flow’ Machine

The best answer to that question about a car wash franchise depends on your comfort level with taking risks. Every business has risks involved and car wash franchises are no different, however they do offer a unique opportunity in a cash business.

There are a few things you must consider before diving into the car wash franchise industry. The first decision is to decide what type of car wash franchise system you want to own. You have the option of a fully automated system that does all the work for you or you can choose to have a partially automated system that will require employees to finish the work. At first glance the fully automated one seems like the most logical choice but having more running equipment can mean more expensive things that break down and need fixing. Don’t forget that if your machines are down, cars aren’t getting washed and no money is coming in.

Choosing the right location for a car wash franchise is practically the most important thing you can do, and I’m talking more about cities than specific locations. Seattle rains about 300 days per year and people aren’t really interested in washing their cars there. On the flip side, sunny southern california barely has rain and people in socal really want to keep their car looking clean.

In talking about cash flow for a car wash franchise, one immediate hurdle is the initial franchise start up fee which ranges anywhere from $1,000 to $100,000. Typically they are in the $20,000 – $30,000 range. Some franchise fees are even non-refundable even if you decide to not buy the franchise. Make sure you find that out before you put any money down.

Another major cost of owning a car wash franchise is the royalty payments. They typically range from 3% – 6% of gross sales, not net profits. Some franchises have minimum monthly revenues no matter what happens in your business. So if you have some slow times or it rains 14 straight weekends in a row, you still gotta pay the minimum requirements.

Don’t forget that other typical car wash franchise expenses include equipment, signs, working capital, advertising fees, etc. Equipment could be anything from chemicals to car accessories to cash registers.

Bottom line is that owning a car wash franchise for cash flow is a proven business system as long as all factors are taken into consideration and smart business choices are made.

Commercial Mortgage Modification

In todays crumbling, commercial real estate market, both borrowers and lenders find themselves in quite a precarious predicament. Borrowers struggle to make their commercial mortgage payments, while lenders are crippled by the increasing number of defaults on commercial property. Right now the best solution to this problem is commercial mortgage modification.

Commercial mortgage modification is the process of renegotiating the terms of a commercial loan. This is done typically by reducing the interest rate or monthly payment on the loan. Other benefits to the borrower may include an extension of the loan term, a forbearance or moratorium on payments, and of course an alternative to foreclosure.

A commercial mortgage modification is about risk to the lender. A lender will only consider a modification if a borrower is in default or at risk of defaulting. The most important thing the lender will look at in determining whether or not to modify a commercial note is cash flow. One very important calculation used in determining cash flow is called the DCR or Debt Coverage Ratio. This ratio is used by the underwriters to determine if a modification can be approved. If a property is breaking even, meaning the income generated is equal to the operating expenses, the DCR would be equal to 1. If commercial property has a positive cash flow, meaning the income the property generates is more than sufficient to cover the mortgage payment and all of the operating expenses, the DCR is greater than 1. If the property is losing money, the DCR would be less than 1. A lender will most likely not modify the commercial note, if the property already has a DCR greater than 1. Commercial lenders writing new commercial loans will most likely require a DCR of 1.25 or greater.

The most common form of payment reduction seen in a commercial mortgage modification is when the lender converts a principal and interest payment to an interest only payment. A lender may consider this form of commercial loan modification to help the borrower improve their cash flow. By only paying the interest on the loan, as opposed to principal and interest, the payment becomes more affordable for the borrower.

However, in extreme circumstances, reducing the mortgage payment to interest only is just not enough for a commercial property owner. If a lender sees that the borrower will still have negative cash flow even after reducing the payment to interest only, they may consider a reduction in the interest rate. Although the interest rate reduction may be temporary, it will help the borrower free up capital and maintain the mortgage payment on time. Although uncommon, lenders have lowered interest rates to as low as 1% even, to avoid an even more costly foreclosure.

Understanding What A Bank REO Property Is

Have you ever wondered why and how a property is called a bank reo property? REO actually stands for real-estate-owned and is used to designate properties that have reverted to the banks or lenders ownership. A borrower could have defaulted on his loan, causing a foreclosure action to be filed against him by the bank.

Usually, a notice is given to the defaulting borrower so he could have ample time to make current his account. However, if he fails to pay within the specified period, then the property will be the sold by the bank at a foreclosure auction.

Financial Opportunities

In the real estate market, a bank reo property is regarded as one of the safest investments that a buyer can have. This is because the bank typically takes care of all the liens, debts and obligations attached to the property before it turns it over to the new owner. But before a property becomes a bank reo property, it goes through an auction.

An auction is a public sale where foreclosure properties are sold to interested buyers. The goal is to recover money owed on the property. But not every property offered in an auction is actually sold. Those which fail to get any successful bid revert to the lenders ownership as an REO property.

But since a bank is not really engaged in the business of selling real estate, it has an REO department which takes care of their bank owned properties. It is common notion in the industry that banks always aim for a quick sale in order to reduce the number of non-performing assets in their inventory.

A large inventory of property is actually undesirable for a bank. This is because a huge number of properties in their yard can only cost them money in terms of their maintenance, taxes and repairs. Selling them would literally transfer these obligations to the new owner, thus, the desire for a quick sale.

This is the main reason why many investors prefer a bank reo property over any other property in the foreclosure market. They know that they can negotiate for its price, and even some repairs on the property. If you can master the art of negotiating for a bank owned property, then you can get a good bargain for yourself.

Global Market Report 2012

Global Stock Market 2012

Australian Share Market has started to get much better level in Local Share Market. Bank Scripts are raising for example ANZ Banking Group and National Australia Bank with the Capitalization and with the size of 87$ this year. China Market has the good movement in Market of 2012. So this movement made Investors and Traders to bet for buy and sell in the Financial market. Only in 2010 Index Future was launched in China Financial Future Exchange which has been going in the nice Movement in China Market. In African Stock Exchange, there are 4 Exchanges which has been taking place in the Capitalization in Africa. They are Ghana Stock Exchange, Sierra Leone Stock Exchange, Nigerian Stock Exchange. Many years, the African Capital Market Integration Council stays at the front of the Integration Process and surviving it. In 2012, More Investors from Foreign has started to Invest in Sri lanka Market, which has made the Investors in Sri lanka scared. Foreign Investors buying the important companies and the Fundamentals in Sri lanka. After 2010, Foreign Investors have bought 28.2 billion Stocks in 201, Only in Si Lanka which has made us surprise. Indonesia Stock Market 2012, Negative Trading have affected the Turn Over and the GDP of Indonesia. But the Local Traders, wants to Invest more in the Indonesia Stock Market. Last few months. Only Indonesia Market having the Negative Movement, but the cause is from Global Market. Bank Stocks like Bank Mandiri has been helping the Financial Sector to become advance as 7.2. So we knew in India, it had been little negative movement in 2011. But in 2012 it has started to flow nicely which is good news for our Indian Stock Traders. We found a result in 2011 Survey, the Return Ratio of Global Market Since 2010 to 2011 is 20% but first 5 Countries which made nearly 20% and above Return Ratio in Stock Market were Denmark (26.1%),Turkey(22.3%),USA(19.6%)Philippines(18.0%) and Belgium(15.8%) As we know, 2012 was good to India and the movement was very flow, traders were beneficial and more and more trades happened in India. Widely 2011 was crashed. Every Month Traders had a thought of flow movement but the whole year was in Negative movement. Anyway Investors believe that Market will turn one day. So we hope it would be 2012 and to compare with 2011, it has been good movement till this month (August). We believe this will continue forever-by banknifty.com!

Have some advice when doing Forex trading

Many people want to enter Foreign Exchange market as that involves lot of money to be exchanged. There are many kinds of major trading centers that are existing in developed countries from UK, Japan, and US etc. when you trade in Forex trading, and then there is no set venue for same. This kind of Forex trading can be done 24 hours in a day, and that can be done every day from Monday to Sunday.

There are some major Forex trading centres and one main reason is that these countries do not have any pegged or fixed currency rates. Here comes the role of central bank that is responsible for maintaining good reserves for foreign exchange. All this is done to stabilize economy of any country. Any of these local exchanges are done in order to make sure that adequate flow of reserves is made with same. Inflation rates could be lowered down with the help of stable foreign investment. With fixed currency rates, inflation rates could be easily lowered down and demand for foreign products could be stimulated more and more. For longer period of time, this kind of things must be very difficult to maintain.

One of the major things while you get in to Forex trading involves getting hold of right broker. Before you take in to plunge of getting in Forex trading, you need to find a Forex broker who could enter forex trading every day. This trick would help you in finding the trickiest of the trade holder. You must read all the reviews and go through all of the terms and conditions attached with the same broker. Many of these choice depends on your trading preference and available investment capitals.

You need to master the basic things in Forex trading before you jump in to it. You must read up all articles and join forums in order to gain more information. You can also make many online as well as offline friends who could help you with same. You need to keep your eyes and ears open. Correct Information is very necessary in this time. You must stay in touch with the floating market as it will help you generate income in healthy way. You must analyze the trading news and your judgments should be dependent on many factors not just the news you are getting. When you enter in to Forex trading market, you need to plan with only one marketing strategy that you should follow. You must make a clear and concise plan. Price action strategy is one of the proven strategies that you need to follow if you need more profit flowing in your account. There is no single strategy that will promise you to give you complete success but at least some percentage of success could be gained with following any of these strategies.

Cult Wines Ltd – best place for fine wine investment

People are always looking for some new investment sector as per their risk appetite. Yeah many times wrong investment can burn all hard work into ash. So, after having a big recession and still Europe economic crisis on the go one always look for safe investment. In last decade one sector has outperformed in an all recession and it is wine investment and fine wine investment.

Before doing any investment there is certain thing which is very important to take care to be safe and secure. One must have to identify some risk factors and all. So first step is to decide on which sector you want to invest then how much amount, and would you like e o one amount or you want systematic investment plan.

Timing of investment is also plays a big role in high return on investment. The most important point is that when you are investing, the time is very important; its totally depending upon current market condition. If you have analysis of market condition you would opt for wine investment. Look at the statistics for wine investment In UK, before a decade, fine wine portfolio was around 10000 and after decade it is almost 50000.

Wine investment will not have adverse effect if any economic crisis happens globally. As we can see in last recession wine investment standout and gave high return. So one can easily say wine investment can give return even in recession. In last 10 years wine investment has given 900% return which is really impressive and attractive.

Cult wines Ltd is the leader where you can get the rarest wines at very competitive rate and if anyone wants to go to the most safe and secure investment than will preference go to the Cult Wines Ltd also Cult Wines Ltd provides solutions for sourcing, investing, storing, selling and consuming Fine Wine of any kind to the investors or for any type of businessman. Cult Wines Ltd provides the fined tuned portfolio mainly designed for high capital growth and accounts and regulated mostly at warehouses. Cult Wines Ltd mainly deals with active foreign and domestic holdings and if any beginner wants to invest in the market than no safe investment except in wines and Cult Wines Ltd where you will get higher returns on investments and also provides the portfolio management services.

So far by this information I hope one can easily take decision for wine investment and Cult wines ltd can help you to build right wine portfolio.

Singapore Real Estate Investment

Real estate investment is about finding good deals; the crux is that money is made when you purchase.

Real estate investments are often treated as one the best ways of investing money. However, what you are looking for is not just any real estate investment, but real estate investment that can give you good returns. By real estate investment we mean investing money into property i.e. buying property at a low price and selling it at a higher price so as to make a profit out of it. So the most important part of good real estate investment is to get hold of such properties which can give you good returns.

Now, how can you get these potential profit-making deals?

1. Your first avenue for finding good deals is the local newspaper (the property newspaper). Just search for properties that are listed directly by the owners who want to avoid paying commission to the real estate brokers. Since the owner is saving on the commission that they would otherwise have to pay to the broker, they would probably be able to offer a lower price to you and be more open to negotiations.

2. You could also place your own wanted ad in the local newspapers. On the same lines, you could use internet to search for the real estate investment avenues. In fact, you would be astonished by the number of real estate investment opportunities you are able to locate on the internet. Not only that, searching for real estate investment opportunities (i.e. property for sale) is much easier on internet than anywhere else.

3. Another good way to hunt for real estate investment opportunities is by using the services of real estate brokers. Some people use real estate agents as their first (and maybe the only) touch point for getting real estate investment opportunities. The real estate agents act as information hub for people looking to buy property. In fact, a lot of sellers find it much more convenient to sell their properties by listing it with real estate agents.

4. Multiple listings service (MLS as known in the real estate industry) is another good way to find real estate investment opportunities. Since the multiple listing book is provided only to the real estate agents and not to the general public (unless you are very lucky), all the cream (good real estate investment opportunities) would have already been taken before you get to see the book. The key here is to look for expired listings that didnt get converted to a deal.

5. Another good way to get a property, that is a good real estate investment, is to look for foreclosures by banks or to visit public auctions. You can generally get a good deal here. Divorce settlements are another good real estate investment opportunity.

To sum up, real estate investment is really about knowing where to look. And finding good deals does require some effort.

Small Cap Stock, Obee’s Franchise Systems Inc., Featured In Audio Interview At Smallcapvoice

To listen to the audio interview featuring small cap company Obee’s Franchise Systems, Inc. (OTC Pink Sheets: OBFM) with interviewee Peter Brown please go to our website, listed in the resource box.

Obee’s Soups Salads & Subs is owned by Obee’s Franchise Systems Inc., Obee’s currently has over 50 restaurants open and in development across 21 states. The company has commitments to open over 1,000 additional locations over the next ten years. The chain has won numerous local and regional awards for its food menu and service.

Obee’s Franchise Systems, Inc., (OTC Pink Sheets: CYPW) is an OTC Pink Sheets listed small cap stock company, who recently announced that the first restaurant in Port St. Lucie, Florida has been sold by the company’s Area Developer for St. Lucie county. The obee’s(R) soups, salads & subs, located 10075 S. Federal Highway in the Port St. Lucie Town Center has recently been sold by Bruce Campbell to Mr. and Mrs. Ronaldo Silva. The transaction now clears the way for Obee’s Franchise Systems, Inc. and Mr. Campbell to begin selling new franchises in the territory.

‘Bruce made a very prudent decision when he first agreed to be an area developer for our company,’ explained Peter Brown OBFM President. ‘He decided that instead of immediately selling franchises of a restaurant brand that at the time was unknown in this area, he would instead operate the first location himself and thus become an expert. He has done just that and now we’re ready to assist him in every way possible.’

About Small Cap Voice

Small Cap Voice offers small cap & OTC investor relations services, dedicated to ensuring its client companies gain valuable exposure in the small cap and OTC markets. Through internet interviews, conference calls, emails, investment newsletters, small cap & OTC company news and placement on financial web sites Small Cap Voice creates a consistent presence in the public eye for their clients.

Stock Trading With The Wizard

The Wizard is a simple and powerful market timing and investment decision making system. It is a very precise system that gives you exact entry and the exit prices. It allows you to stay on top of the market with its revolutionary trend indicators which show you the best and worst picks every day.

There are a number of stock programs available. However, The Wizard is the only stock 10 that is designed to help you make money regardless of what the market is doing. The Wizard gives you the power to make well-informed decisions quickly. It uses clear buy and sell confirmation signals, helping you make trades more easily.

One of the best things about The Wizard is that it is fully automated. It enables you to focus on your trading (rather than wading through hours of analysis) because it presents you with a list of your best choices for trading. This software helps keep emotions out of the decision process and helps you focus on your stock trading strategy. Based on the settings you choose, the stock trading software can help you in a number of areas including dollar risk control, identifying channel breakouts, generating high probability mechanical buying or selling signals, and forecasting new tops and bottoms.

There are day trading software packages that offer technical analysis as well as helping with charting your stock, futures options and trading in the Forex market. A day trader needs access to current information about the rates of currencies, stocks and futures. Some people have the misunderstanding that day trading is riskier than swing trading. However, factually the day traders exit their positions by the end of the day, so their risk is highly reduced as they are not responsible for any losses occurring due to overnight events.

trading software will make your life easier by giving you the tools you need to buy and sell the stocks online effectively. You can attend free online stock trading sessions and make live trades with direct online access. You can also use the stock picking software to get suggestions for which stocks have strong profit potential at any given time. It will help you compare the potential of different stocks to select the best one from the candidates

If you want a simple way to learn how to trade and pick stocks effectively, refer to anytime for help and advice. It offers you everything you need for successful investing.

Earning a good amount of money with autosurf programs

Autosurf programs are the hottest thing on the internet right now. You need no experience to start and you can get started almost instantly. Its so easy to get started; even your 10 year old kid can do it. Its a great way to earn some extra income to sponsor your other projects you might be planning or just earn a living out of it. Autosurf programs lets you view advertisement set on an auto-timer for an amount of time and you get paid for that. The purpose is to upgrade your account level, the more you upgrade, the more you will get paid in the end.

Autosurf programs are great, and you should get started as soon as possible to make money and feel good about it. There are many autosurf programs out there, so how do you spot a good one from a bad one?

1. Introduction Although autosurf programs are very new and easy to use, its hard to tell how long they will last. There are a few autosurf programs that are stable and have lasted for awhile.

2. Checking Programs rating Always search on Google first on the programs rating before joining. If everyone is saying that its great and you should join, then it must mean that you must join or youre losing out!

3. Is this autosurf program trustfully? Check out the programs forum! If they dont have one, they must have something to hide. Spend some time reading the forum and asking other users question before you start. If everyone on the forum is saying its great, then try joining the program first since most if not all autosurf program lets you sign up for free.

4. Investing your money To make money, you will need to buy upgrades. My recommendation is to start small and take the profit and deposit it into your bank, then use the small amount you started off with and invest into the autosurf program. This makes it hard for you to lose money. Since it is your hard earning money, never put in more than you can afford. There are people who are making a living using autosurf programs.

5. Final words I love autosurf programs; it has given me more than enough money to start my other online business.