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	<title>Adva Reason</title>
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	<link>http://adva-reason.com</link>
	<description>Casting design, business services</description>
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		<title>Who Makes The Tea In Your Serviced Office?</title>
		<link>http://adva-reason.com/?p=123</link>
		<comments>http://adva-reason.com/?p=123#comments</comments>
		<pubDate>Thu, 04 Mar 2010 08:36:21 +0000</pubDate>
		<dc:creator>advaar</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[arguments]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[Sexism]]></category>
		<category><![CDATA[tea]]></category>

		<guid isPermaLink="false">http://adva-reason.com/?p=123</guid>
		<description><![CDATA[There has been a recent study that says more women are  making tea in the business then men do, the question that needs to be  asked is, sexist or not, is this really the case?
 Many arguments have gone around recently sparking more sexist  theories in the business, women make 3 more [...]]]></description>
			<content:encoded><![CDATA[<p>There has been a recent study that says more women are  making tea in the business then men do, the question that needs to be  asked is, sexist or not, is this really the case?</p>
<p> Many arguments have gone around recently sparking more sexist  theories in the business, women make 3 more cups of tea on average in a  week than men, that is the argument. So which side is right here?<span id="more-123"></span></p>
<p> The Men</p>
<p> When a member of the male sex goes and offers to make  everyone tea it would seem a lot of them get moaned at because the tea  is not good enough. the strange  this is that when men make a cup of tea they make one extra cup then  women do, I do not know why this is. This does not excuse them from  ever having to do it though. Sometimes it is safe to say that men really do not care about  this kind of thing and will only have a cup of tea if it is offered out  to them, hence why they do not make as many cups.</p>
<p> Women</p>
<p> Do women actually drink more of the stuff? if you are  the one that is having to make the tea all of the time, man or woman  then make sure you put your foot down and do something about it. There were a few women that were asked on their  opinions on this matter and most of them seemed to like it because it  allowed them to get off work. Many of the women asked also said that they really liked having a  bit of a gossip too.</p>
<p> So whether you work in a  <a href="http://www.easyoffices.com/" target="_blank">serviced office space</a> or perhaps  either <a href="http://www.easyoffices.com/virtual-offices/uk/London" target="_blank">London  virtual offices</a> or <a href="http://www.easyoffices.com/serviced-offices/UK/London" target="_blank">office  space London</a> there is sure to be some dispute when it comes to  making the tea.</p>
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		<item>
		<title>Moving Your Company</title>
		<link>http://adva-reason.com/?p=122</link>
		<comments>http://adva-reason.com/?p=122#comments</comments>
		<pubDate>Wed, 03 Mar 2010 14:54:13 +0000</pubDate>
		<dc:creator>advaar</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[business removal]]></category>
		<category><![CDATA[office moving]]></category>
		<category><![CDATA[office relocating]]></category>
		<category><![CDATA[office removals]]></category>

		<guid isPermaLink="false">http://adva-reason.com/?p=122</guid>
		<description><![CDATA[Moving from your family home, even with just a few rooms and accumulated possessions, is said to be one of the most stressful things you can do. Imagine what the stress factor is like if moving your entire business, especially if it&#8217;s a London removal!
 Office moves can either make or break a company and [...]]]></description>
			<content:encoded><![CDATA[<p>Moving from your family home, even with just a few rooms and accumulated possessions, is said to be one of the most stressful things you can do. Imagine what the stress factor is like if moving your entire business, especially if it&#8217;s a London removal!</p>
<p> Office moves can either make or break a company and its staff.But they can be a blessing in disguise (although sometimes heavily disguised), presenting the perfect opportunity to rethink some operational and organisational aspects of your business.Planning for an office move is the best time to think about how to make cost savings, consolidate resources, or use new technology to reduce the amount of clutter you&#8217;ve got to transport and to improve future working practices.Ask yourself whether you really need to move offices in the first place.<span id="more-122"></span> You also need to consider if moving will affect your <a href="//www.insurantz.com/Products/Office-Insurance" target="_blank">office insurance</a> policy or not?</p>
<p> When it comes to removals, it may make more sense to consider better ways of using your current property.Small companies can often grow in an unplanned manner which often means that office space isn&#8217;t always used to its best effect anyway.Consider hiring a professional to advise you on making better use of the space you&#8217;ve already got.You could consider bringing in flexible working hours, &#8220;hot-desking&#8221; practices or home working policies that reduce the amount of space required for a fixed number of people.Another way to improve the way you use your space is to consider business storage for equipment and furniture that you don&#8217;t need, but may do in the future.</p>
<p> However, if your staff are falling over each other and none of the above options are viable, then it&#8217;s time to look at an office move.Ideally, office moves should be on the agenda before you reach that point and when you plan to move from your original offices should form part of your initial business plan.Even if that means using simple triggers like number of staff or turnover, you should begin planning the actual move as soon as possible. Youll also need to inform your <a href="//www.insurantz.com/" target="_blank">business insurance</a> company as soon as you have made plans to move so they can update your policy.   Your selected removal company should survey your office prior to the move and be prepared to assist in planning and co-ordination right through to the unpacking of the last crate.</p>
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		<item>
		<title>Why Business Insurance Is a Very Useful Thing To Have</title>
		<link>http://adva-reason.com/?p=121</link>
		<comments>http://adva-reason.com/?p=121#comments</comments>
		<pubDate>Wed, 03 Mar 2010 14:54:10 +0000</pubDate>
		<dc:creator>advaar</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[business insurance]]></category>
		<category><![CDATA[downturn]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[office insurance]]></category>

		<guid isPermaLink="false">http://adva-reason.com/?p=121</guid>
		<description><![CDATA[The answer to this question really is quite a simple one. If you dont have business insurance then you really could get into serious money problems if someone tries to bring something against the company. If you are a small company then the first claim that comes at you could well be the last you [...]]]></description>
			<content:encoded><![CDATA[<p>The answer to this question really is quite a simple one. If you dont have <a href="//www.insurantz.com/" target="_blank">business insurance</a> then you really could get into serious money problems if someone tries to bring something against the company. If you are a small company then the first claim that comes at you could well be the last you see as without insurance you could see your company fall to pieces.Once someone has claimed against you it becomes increasingly difficult to get an insurance company to give you a half decent deal as they do no want the same happening again so it would be better for everyone to get it sooner rather than later.<span id="more-121"></span> If you had any sense then you will follow my advice and that is to go and get the insurance you need today.</p>
<p> If you thought that the only costs the company would have to pay is the ones from the actual event you would be seriously mistaken. If the company does have to be involved in a court case this is going to cost hundreds possibly thousands which is just simply not possible for many businesses with a small proft margin. Lets not forget all of the lawyers you will need if it gets really serious. If something were to happen without insurance it could cost the company thousands whereas insurance will only cost a bit extra a month. It is especially as important in the current downturn because the companies that are surviving would love to see their competitors wiped out and why give them the extra chance when you could stop this with a bit of insurance.</p>
<p> not only this but many people will just simply not join a company with no insurance as if something does happen to them whilst working there then they do no want to go though the lengthy court battle.</p>
<p> So even if you are a small firm, having general business insurance and more specific cover such as <a href="//www.insurantz.com/Products/Professional-Indemnity-Insurance" target="_blank">professional indemnity insurance</a> and <a href="//www.insurantz.com/Products/Business-Van-Insurance" target="_blank">business van insurance</a> could benefit you. Instead of risking going out of business you could simply claim on the insurance and send the company further!</p>
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		<title>Grants for women starting a business &#8211; Supportive government</title>
		<link>http://adva-reason.com/?p=120</link>
		<comments>http://adva-reason.com/?p=120#comments</comments>
		<pubDate>Wed, 03 Mar 2010 10:38:14 +0000</pubDate>
		<dc:creator>advaar</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[grants for women starting a business]]></category>

		<guid isPermaLink="false">http://adva-reason.com/?p=120</guid>
		<description><![CDATA[The federal government is ready to uplift the economical existence of women through numerous grants for women starting a business, which require not be repaid at all. Nevertheless, a woman must be eligible to avail this kind of grants. Primarily, absolute work is needed to prepare a sketch map of a small business with all [...]]]></description>
			<content:encoded><![CDATA[<p>The federal government is ready to uplift the economical existence of women through numerous <a href="http://www.moneyoids.com/" target="_blank">grants for women starting a business</a>, which require not be repaid at all. Nevertheless, a woman must be eligible to avail this kind of grants. Primarily, absolute work is needed to prepare a sketch map of a small business with all of the business methods.<span id="more-120"></span> Practically, you might require so numerous labors to develop your business. But without expense it might not come true. Hence, a actual successful plan is essential to submit for eligibility.</p>
<p> Producing a small business map alone will not fetch you the <a href="http://stanleygwclay.blog.com/2010/02/23/grants-for-women-starting-a-business-generous-government/" target="_blank">grants for women starting a business</a>. You require to put your work in explaining the visionary statement, by elucidating the reason for starting up a new business and why you have chosen this business, with critical analysis. In the vision statement, make sure to include, how you and your service will benefit the community, area and region.</p>
<p> The efforts you invest on creating professional company technique plus a vision assertion will reflect your effectiveness and interest in starting up a small business, towards the officers in charge from the grants for women starting a business. This committee works on the principle, to give loans towards the women who&#8217;re in dire require and have absolute interest to establish a small business, than to count the dollars of grant cash.</p>
<p> When you visit the SBA&#8217;s official web site, you will arrive across a lot of info for the scholarships. Based upon your require, you can directly request for scholarships via online. The application for <a href="http://grants_business_women.zoomblog.com/archivo/2010/02/22/grants-for-women-starting-a-business--.html" target="_blank">grants for women starting a business</a> ,might take some time to total.</p>
<p> They may have some strict specifications; therefore ensure to spend solid time to completely examine via the eligibility criteria for that grant you desire to utilize. It may be based on the ethnicity, age, area, business kind, etc. When you don&#8217;t qualify for that eligibility, your time and effort used to complete the form goes vain.</p>
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		<title>Watch Out for Fake Male Enlargement Products</title>
		<link>http://adva-reason.com/?p=119</link>
		<comments>http://adva-reason.com/?p=119#comments</comments>
		<pubDate>Tue, 02 Mar 2010 20:40:19 +0000</pubDate>
		<dc:creator>advaar</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[male enhancement]]></category>
		<category><![CDATA[male enlargement]]></category>
		<category><![CDATA[penis]]></category>
		<category><![CDATA[penis enhancement]]></category>
		<category><![CDATA[penis enlargement]]></category>

		<guid isPermaLink="false">http://adva-reason.com/?p=119</guid>
		<description><![CDATA[Many people question which fake male enhancement products. It might surprise you that almost every male enlargement product available on the market is a fraud.

Many men actually spend money on such pills and almost none of them complain about the lack of effects. This is the question that was born in the minds of both [...]]]></description>
			<content:encoded><![CDATA[<p>Many people question which <a>fake male enhancement products</a>. It might surprise you that almost every male enlargement product available on the market is a fraud.</p>
</p>
<p>Many men actually spend money on such pills and almost none of them complain about the lack of effects.<span id="more-119"></span> This is the question that was born in the minds of both prospective customers and simply curious people: are male enlargement products a scam?</p>
</p>
<p>The fast answer to that question is that its impossible to tell. The way these products are setup and sold is such that it could be a completely bogus product; however they use creative sales pitches, doctor endorsements, and customer testimonials to make it look like a wonder product. The reasoning is that $400 male enlargement product costs them pennies to make since its a fake.</p>
</p>
<p>The right answer is not that simple. There are a large range of products out there, and some of them work legitimately and do as promised. Some of the companies that make male enlargement products have even done clinical studies and trials so they can get FDA-approved, such as the Size Genetics device  which is now a medically approved device (which means if you get your doctor to recommend it you can write it off against your medical insurance even and get your money back from your insurance company!).</p>
</p>
<p>Another common form that <a href="http://www.maleenhancementplus.com/" target="_blank">male enhancement products</a> take is as a pill. You take a pill that has been created specifically to increase the blood flow to your penis, which is how the leading brand-name prescriptions work (the big blue pill that you are probably familiar with). Your penis is essentially a large muscle  muscles get bigger and stronger when you improve the circulation to them, so the basic premise behind these pills is that by increasing circulation in your penis you can get bigger, stronger penis. Do these products actually work? Yes they do, however 99% of the ones you will find on the market are fake sugar pills.</p>
</p>
<p>Another concern is that not all companies are honest in their business and not all products are good for you. The mixtures of herbs, which the pills contain, can count just about anything among the ingredients and while some ingredients may be simply useless, other can do you serious harm.</p>
</p>
<p>So this raises a serious question  how do you know which male enhancement products you can trust and which are fake?</p>
</p>
<p>The best way is to check out reviews from previous customers.  So if you are interested in <a href="http://www.maleenhancementplus.com/extenders/size-genetics/" target="_blank">SizeGenetics reviews</a>, come on over to MaleEnhancementPlus.com for the latest information on this medically-approved penis extender.</p>
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		<title>The Best eBook on How to Start a Limousine Business</title>
		<link>http://adva-reason.com/?p=118</link>
		<comments>http://adva-reason.com/?p=118#comments</comments>
		<pubDate>Tue, 02 Mar 2010 18:38:04 +0000</pubDate>
		<dc:creator>advaar</dc:creator>
				<category><![CDATA[how to start a limo business]]></category>
		<category><![CDATA[how to start a limousine business]]></category>

		<guid isPermaLink="false">http://adva-reason.com/?p=118</guid>
		<description><![CDATA[If you want to learn how to open your own limo company, then there are a variety of different resources that you can try &#8211; but only one ebook stands out from the rest. For the cost of your first gratuity on one limo job &#8211; you can get this helpful ebook How to Start [...]]]></description>
			<content:encoded><![CDATA[<p>If you want to learn how to open your own limo company, then there are a variety of different resources that you can try &#8211; but only one ebook stands out from the rest. For the cost of your first gratuity on one limo job &#8211; you can get this helpful ebook <a title="how to start a limousine business" href="http://www.e-junkie.com/shop/product/340743.php" target="_blank">How to Start a Limousine Business</a>. This ebook is full on information that will walk you through every step in building your business.<span id="more-118"></span></p>
</p>
<p>From obtaining your local and state permits, to buying your first vehicle &#8211; <a title="how to start a limo business" href="http://www.e-junkie.com/shop/product/340743.php" target="_blank">How to Start a Limo Business</a> will help you with every step of the process. The ebook includes a list of global networks that will actually send you work on a weekly basis.</p>
</p>
<p>You will learn how to start getting leads IMMEDIATLEY! This is true, just buy the <a title="how to start a limousine business" href="http://www.e-junkie.com/shop/product/340743.php" target="_blank">How to Start a Limousine Business</a> ebook you will learn how to get limo customers emailing you within a matter of hours. This is great for companies who may not be prominent on the internet and they want to get some limo bookings right away.</p>
</p>
<p>Find out how to make a profit off of the other limo companies in your city. Imagine making money off of your local competition. The author or How to Start a Limo Business currently makes almosty 50% of his monthly income from the work he gets from his competition! It may seem strange, but the answers you need will all be found in this amazing ebook.</p>
</p>
<p>Don&#8217;t delay &#8211; buy a copy of this ebook that includes a 30 page PDF and tons of amazing, helpful links. If you want to get out of your corporate job or dreary 9-5 position &#8211; starting a limo company will be the best thing you have ever done!</p>
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		<item>
		<title>Hiring Reasons</title>
		<link>http://adva-reason.com/?p=117</link>
		<comments>http://adva-reason.com/?p=117#comments</comments>
		<pubDate>Tue, 02 Mar 2010 16:36:41 +0000</pubDate>
		<dc:creator>advaar</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[Hiring]]></category>
		<category><![CDATA[Interviews]]></category>

		<guid isPermaLink="false">http://adva-reason.com/?p=117</guid>
		<description><![CDATA[A good employee is actually quite a hard thing to do and if you are  looking to hire a new person for your lovely office space what are  you supposed to look out for?
 First Impressions
 If someone turns up for an  interview in a pair of jeans and a very old [...]]]></description>
			<content:encoded><![CDATA[<p>A good employee is actually quite a hard thing to do and if you are  looking to hire a new person for your lovely <a href="http://www.easyoffices.com/" target="_blank">office space</a> what are  you supposed to look out for?</p>
<p> <strong>First Impressions</strong></p>
<p> If someone turns up for an  interview in a pair of jeans and a very old t-shirt then the chances are  they are not that bothered about getting the job. Is the person sitting opposite you trying to look good for the  interview, this is not bad.<span id="more-117"></span> You know what to expect when it comes to the way people dress so do  not expect anything other than this, make sure you hire someone that  knows how to dress to impress. Although confidence is  very important when it comes to the interview it is very easy to drop  this when you arrive at one of those very posh looking <a href="http://www.easyoffices.com/meeting-rooms/uk/London" target="_blank">meeting  rooms London</a> places.</p>
<p> <strong><br /> Do They Know What They Are On About?</strong></p>
<p> If someone is very interested in  the job then they will have done a bit of research into the company  there is no doubt about that so always consider this when giving an  interview. Of course you have not released that many details so allow  questions to be asked about the position. If someone is  interested in the job they will never try to butt in and they will  listen on top of this they will be keen to ask things. Not answering questions is not fair at all so make sure you  are answering their every question.</p>
<p> <strong>Do They Actually Have Any  Experience?</strong></p>
<p> This is sometimes key to a business and if  you state that you need someone with experience on the ad then the  chances are the person that you are interviewing will have at least some  small experience in the job you are offering out. On  the other hand you shouldn&#8217;t expect them to know everything. The chances are your company  will do things a bit differently to this. Make sure you get in time for training. So for those <a href="http://www.easyoffices.com/serviced-offices/UK/London" target="_blank">serviced  office London</a> interviews just make sure you hire the right person  for the job.</p>
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		<item>
		<title>How Travel Companies Are Getting In Contact</title>
		<link>http://adva-reason.com/?p=116</link>
		<comments>http://adva-reason.com/?p=116#comments</comments>
		<pubDate>Mon, 01 Mar 2010 20:40:21 +0000</pubDate>
		<dc:creator>advaar</dc:creator>
				<category><![CDATA[Communication]]></category>
		<category><![CDATA[customer interaction]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[social media]]></category>
		<category><![CDATA[travel]]></category>

		<guid isPermaLink="false">http://adva-reason.com/?p=116</guid>
		<description><![CDATA[The holiday and travel industry is among the most rapidly developing out there. This is largely due to the ever changing demands from customers, the changes in technology in travel and the massive competition between holidays companies. A lot of companies are quickly finding that their practices are outdated and their potentially customers are going [...]]]></description>
			<content:encoded><![CDATA[<p>The holiday and travel industry is among the most rapidly developing out there. This is largely due to the ever changing demands from customers, the changes in technology in travel and the massive competition between holidays companies. A lot of companies are quickly finding that their practices are outdated and their potentially customers are going else ware because they are being reached quicker and other companies have more efficient methods of letting their customers know what is going on during every step of their booking.<span id="more-116"></span> Below we examine 3 of the latest communication methods that more travel companies are choosing to utilise</p>
<p> Email. Although email has been around for what seems like donkeys years, you would be surprised just how many companies are still lagging behind when it comes to adopting it and still rely heavily on mail and phone communication. Those companies who have embraced this technology, like <a href="http://www.whitestarcruises.com/rhine-river-cruises.phtml" target="_blank">Rhine River Cruises</a>, are using it to attract customers via newsletters etc, arrange travel bookings, deal with customer enquiries instantly, provide up to date information to customers on their booking and send out billing info to name a few.</p>
<p> Booking online. There are lots of companies now following the trend of taking their whole booking process online and making it automated. These systems make the booking process easy, convenient and instant, which is what the modern day consumer demands now. Obviously this is used alongside other communication methods but companies who do not adopt this, especially in the <a href="http://www.whitestarcruises.com/" target="_blank">luxury cruise</a> business, will soon struggle.</p>
<p> Social media. Everyone is talking about social media and how great sites like Facebook and Digg are at the moment, although lots of people have also been quick to criticise their usefulness. However, companies that are at the top of their game or willing to keep an open mind, much like <a href="http://www.whitestarcruises.com/cruiseline_seadream.phtml" target="_blank">Seadream Cruises</a>, are reaping the rewards by communicating with potential customers on their own level and in an informal setting. Twitter is one of these social media tools that has been put to good use by a number of travel companies who blog about their offers, news and destinations to attract new customers</p>
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		<title>What Makes A Good Working Environment?</title>
		<link>http://adva-reason.com/?p=115</link>
		<comments>http://adva-reason.com/?p=115#comments</comments>
		<pubDate>Mon, 01 Mar 2010 12:36:08 +0000</pubDate>
		<dc:creator>advaar</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[fun]]></category>
		<category><![CDATA[Offices]]></category>

		<guid isPermaLink="false">http://adva-reason.com/?p=115</guid>
		<description><![CDATA[The one problem with an office is that more often  than not they can be very boring and tiresome. Sitting in one of those very dull looking serviced offices can get  incredibly boring during the year and this time of year it can get cold  too.
 So is there anything you can [...]]]></description>
			<content:encoded><![CDATA[<p>The one problem with an office is that more often  than not they can be very boring and tiresome. Sitting in one of those very dull looking <a href="http://www.easyoffices.com/" target="_blank">serviced offices</a> can get  incredibly boring during the year and this time of year it can get cold  too.</p>
<p> So is there anything you can do to make that office a  fantastic one to work in?<span id="more-115"></span></p>
<p> Work</p>
<p> To keep the boss  happy this one is about work, it has to be done really. Just because you  are working it does not mean that there are not things to do that are  fun but improve the way the team works together. You should really consider taking your team out for a day,  this is very constructive. This will get the team together so they can  get to know each other and then work better as a team when they start  the next day at the office again.<br /> <strong><br /> Location</strong></p>
<p> Make  sure your office is not in the middle of nowhere. Having a  <a href="http://www.easyoffices.com/serviced-offices/UK/London" target="_blank">London  serviced offices</a> is great but if it is in the middle of a poor  street with no decent shops and not a train station within a mile then  you are going to struggle, without a doubt. It is very unlikely that people are going to be  able to locate to an office in the middle of nowhere.<br /> <strong><br /> Fun?</strong></p>
<p> It certainly is very possible for you to actually have a laugh in  the office. Something like this only should happen on a  break or lunchtime that is for sure so make sure you get a television  and Xbox in the office to make staff happy. It works a treat here that  is for sure.</p>
<p> For a  really good looking office and happy workers you will need to make sure  that you cover pretty much all of these things, it will make Monday  mornings great for employees I can assure you. Of course if it&#8217;s a  conference you need to set up, look into <a href="http://www.easyoffices.com/conference-rooms/uk/London" target="_blank">London  conference venues</a>.</p>
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		<title>What Happened with Small Business Lending</title>
		<link>http://adva-reason.com/?p=114</link>
		<comments>http://adva-reason.com/?p=114#comments</comments>
		<pubDate>Mon, 01 Mar 2010 08:36:40 +0000</pubDate>
		<dc:creator>advaar</dc:creator>
				<category><![CDATA[CAD]]></category>
		<category><![CDATA[CAM]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[consulting]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[working capital]]></category>

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		<description><![CDATA[Small business owners will be more likely to avoid serious future problems with working capital loans and commercial real estate loans by exploring what happened with commercial lending. This is not a hypothetical issue for most commercial borrowers, particularly if they need help with determining practical small business finance choices that are available to them. [...]]]></description>
			<content:encoded><![CDATA[<p>Small business owners will be more likely to avoid serious future problems with <a href="http://aexcommercialfinancing.com" target="_blank">working capital loans</a> and commercial real estate loans by exploring what happened with commercial lending. This is not a hypothetical issue for most commercial borrowers, particularly if they need help with determining practical small business finance choices that are available to them. The banks and bankers who caused the recent financial meltdown are likely to say that nothing went seriously wrong with <a href="http://aexcfg.com" target="_blank">business cash advances</a> and commercial lending (and even if it did everything is fine now).<span id="more-114"></span> It is hard to imagine how anything could be further from the truth.</p>
<p>In evaluating the most serious business finance errors, massive greed is an inescapable theme among lending institutions. Unsurprising negative results were produced by the attempt to produce quick profits and higher-than-normal returns. The only people seemingly surprised by the devastating losses are the bankers themselves. We are already seeing a record level of bank failures, and by most accounts many of the largest banks should have been allowed to fail but were instead supported by artificial government funding.</p>
<p>There were many instances in which banks failed to look at cash flow when making loans or buying securities such as those now referred to as toxic assets. For some small business finance programs, a stated income commercial loan underwriting process was used in which commercial borrower tax returns were not even requested or reviewed. One of the most prominent business lenders aggressively using this approach filed for bankruptcy due to a number of questionable financial dealings.</p>
<p>Bankers obsessed with generating quick profits frequently lost sight of a basic investment principle that asset valuations can decrease quickly and do not always increase. Many commercial loans were made in which there was little or no equity by the business borrower. The apparent assumption was that if any downward fluctuation in value occurred, it would be very little. In fact we have now seen many commercial real estate values decrease by over 40 percent during the past two years. Commercial real estate is proving to be the next toxic asset on their balance sheets for the many banks which made the original commercial mortgages on such business properties. While there were huge government bailouts to banks which have toxic assets based on residential mortgages, it is not likely that banks will receive financial assistance to cover commercial real estate loan losses. As a result, a realistic expectation is that such commercial finance losses could produce serious problems for many banks and other lenders over the next several years. Many lenders have already drastically reduced their small business finance programs.</p>
<p>Inaccurate and misleading statements by commercial lenders about their lending activities for business finance programs to small business owners is an ongoing problem. While many banks have reported that they are continuing normally with small business finance programs, by almost any standard the actual results indicate something very different. It is obvious that lenders would rather not admit publicly that they are not lending normally because of the negative public relations impact this would cause. Business owners will need to be skeptical and cautious in their efforts to secure small business financing and <a href="http://www.working-capital-journal.com" target="_blank">working capital management options</a> because of this particular issue alone.</p>
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