If you are caught up in debt from fast direct payday loan lenders as well as creditors, mortgages, car loans and possibly even student loan debt you are not alone. The household debt crisis is more than most incomes can handle. Finding money options with a load of current debt is tough. Payday loan help has increased while debt loads continue to make monthly budget matters difficult.Once banks and credit cards no longer help foot the bill, people turn to alternative money options. Lots of people unsuccessfully search for a second job, while others unload their closets and basements to make ends meet. When there are other unexpected costs that pop in during tight money times, frustration and hopelessness often settles in. Direct payday online loans, title loans and pawn loans end up coming to the rescue… at least for the moment.Yes, these short-term alternative money options do bring in fast cash when you need it the most. At least it will for those who qualify or have value to personal property. Most homeowners have a car, but they don’t all own the pink slip. Unless a person is able to be approved for one of these options, there is even more despair.Some people have family and friends to borrow quick cash. Others wouldn’t dare or have already burned those bridges. It’s tough when money problems are a constant. At that point there really is no other option but to cut way back on expenses. Sometimes the hard road will bring the most success, even if you have to downsize your home or apartment.It’s important to get rid of debt as best as you can if your household struggles month to month. It is easier said than done, but it can be done if you make a plan and stick to it. There is no way any budget can afford to keep using short-term direct payday loans every month. Even if you have only used one of these loans but can’t seem to pay it off, you can’t afford it. Before you risk any personal items as collateral, really think about what you are going to do to make sure you get it paid off fast.Would paying off credit cards with high interest rates work best for you? Are you a person who likes to see check-marked accomplishments and work at getting rid of the smallest debts first? Financial experts can argue which is best, but when it comes down to being in a pit of debt, you do what you need to do to motivate yourself out of it.Put your credit card statements up on the wall. You won’t forget the objective. Make yourself lists, create spreadsheets, and sign up for a free smartphone app to organize your funds. There is enough free help out there to get you started.You don’t have to live a life where the payday loan lender is on your speed dial. You will have to change spending habits. Your family will have to cut back on many ‘extras’ they may have become accustomed to. Reward yourself and even your family every time you reach a goal whether it is long or short-term. Success needs to be celebrated to keep the momentum going.Once you are out of debt, stay that way! You don’t need to cut up your credit cards. That will actually hurt your credit score. Rotate them so they continue to show activity on your credit history, but don’t go back into debt. Dedicate one purchase a month and pay it off with no interest. You will be amazed at how much income you will have at the end of the month when there are no interest payments being paid to lenders, creditors or banks.
Everyone has ideas, however it’s focusing those ideas correctly that will make or break your online business.Most Common E-Commerce Websites;
Store / Dropship
Review Site / Affiliate
Store / Dropship WebsitesUnfortunately Web Stores are by far the most popular type of website Newbies choose, they are also the hardest type of website to support & be successful with. Unless you are offering something totally unique, or your web store is an extension of an existing brick & mortar store, please think again when considering an online store as your e-commerce website.Reasons to reconsider;1/ Website Costs – As a store you need either e-commerce shopping cart software or an e-commerce provider plus a https:// Domain to accept credit card payments. 2/ Product Sourcing – Obtaining products at low wholesale pricing may require “Company Incorporation”. Even then your volume will be so low when starting, it is unlikely you will have a very large profit margin, especially if you are competing in competitive markets.3/ Time – If you are considering an E-Commerce website as a second source of income, then the time you are prepared to commit to the website is a major deciding factor as to the type of site you should build. Stores require daily accounting, telephone support, email support & shipping & receiving. If you don’t have the time consider a different type of site.Review Site / AffiliateIf you have just been put off building a web store then this is the type of e-commerce website for you.Affiliate sites have all the advantages of a web store without the hassle.Affiliate marketing is very simple, Vendors offer a percentage of their sale price to the person that sent them the customer. Without going into the technical aspects vendors provide you with a unique link which you place on your site, if your visitor follows your link & buys a product you get a commission.You are not limited to promoting only one vendor so Review sites are a great idea. Join the affiliate programs of several vendors offering similar products. Create a site that compares these products with your affiliate links tagged as “More Info” or “Buy Now” If your visitor buys any of the products after visiting your site you make money.There is no support, & no requirement for secure domains or payment providers. You will be paid by check or directly into a PayPal account.NOTE: The one disadvantage of affiliate marketing is that you don’t generate a customer list. List building is very important so offer your visitors an incentive to leave their personal information.AdSenseBy far the easiest type of e-commerce website to build.Articles, RSS feeds, even automated content providers make AdSense sites simple to build & maintain with original & updating free content.Once you have decided on a general topic & a relevant domain name, simply build pages using freely available Articles, RSS feeds or write your own. Insert your AdSense code (Google Adverts) in and around the articles & promote the site. Google will pay you for anyone that visits your site & clicks on an ad.There are many different ways of making money with an e-commerce website, however these are the most popular.
Secret #1: Don’t spend too much time on a life insurance quote.Do not be fooled by the low price quotes you get online – they don’t apply to you unless you are extremely healthy. Statistically only 10% of people who apply actually get the lowest priced policy. The premium you end up paying has nothing to do with the initial quote you get online or from an agent. It is amazing to me how often I see people getting duped by an agent who quotes company X at a lower price than another agent.Life insurance policies are the same price no matter who you buy from! One agent or website quoting a lower premium means nothing. Prices for any given policy is based on your age and health. There are a few exceptions to this but that is beyond the breadth of this article.Most life insurance companies have 10-20 different health/price ratings and no agent or website can assure you the quote they give you is accurate. You have to apply, do a health check, and then go through underwriting (meaning you complete a mini-exam with a nurse in your home and then the company checks you doctor records and reviews and ‘rates’ your health) to get the real price of the policy. Remember that a health rating also factors in your family history, driving record, and the type of occupation you have. Only use quotes to help narrow down your choices to the top companies. You may want to consider a no load or low policy. The more that you save on commissions the more money builds up in your policy. You can even buy term insurance no load, and save a lot on premiums. You will not get the help of an agent, which may be worth something if they are very good.The most important factor determining price is matching your particular health history with the company best suited for that niche. For instance company X might be best for smokers, company Y for cancer survivors, Company Z for people with high blood pressure, etc.Secret #2: Ignore the hype on term versus cash value permanent insurance.You can go crazy reading what everyone has to say on buying term insurance versus a whole or universal life policy. Big name websites give advice that I think borders on fraudulent. Simply put there is NO simple answer on whether you should buy permanent cash value policies or term insurance.But I do think there is a simple rule of thumb – buy term for your temporary insurance needs and cash value insurance for your permanent needs. I have read in various journals and run mathematical equations myself which basically show that if you have a need for insurance beyond 20 years that you should consider some amount of permanent insurance. This is due to the tax advantage of the growth of the cash value within in a permanent policy. I am divorced and have taken care of my children should I die. I probably no longer need as much insurance as I now have. I have earned a great return on my policies and have paid no taxes. I no longer pay the premiums, because there is so much cash in the policies. I let the policies pay themselves. I would not call most life insurance a good investment. Because I bought my policies correctly, and paid almost no sales commissions my policies are probably my best investments. I no longer own them, so when I die my beneficiaries will get the money both tax free, and estate tax free.Since most people have short term needs like a mortgage or kids at home they should get some term. Additionally most people want some life insurance in place for their whole life to pay for burial, help with unpaid medical bills and estate taxes and so a permanent policy should be purchased along with the term policy.Secret #3: Consider applying with two companies at once.Life insurance companies really don’t like this “trick” because it gives them competition and increases their underwriting costs.Secret #4: Avoid captive life insurance agents.Look for a life insurance agent who represents at least fifty life insurance companies and ask them for a multi company quote showing the best prices side by side. Some people try to cut the agent out and just apply online. Just remember that you don’t save any money that way because the commissions normally earned by the agent are just kept by the insurance company or the website insurance company without having your premium lowered.Plus a good agent can help you maneuver through some of the complexities of filling out the application, setting up your beneficiaries, avoiding mistakes on selecting who should be the owner, the best way to pay your premium, and also will be there to deliver the check and assist your loved ones if the life insurance is ever used.Secret #5: Consider refinancing old life policies.Most companies won’t tell you but the price you pay on your old policies has probably come down dramatically if you are in good health. In the last few years life insurance companies have updated their predictions on how long people will live. Since we are living longer they are reducing their rates rather dramatically. Beware the agent may be doing this to obtain a new commission, so make sure it really makes sense.I really am amazed at how often we find that our client’s old policies are twice as expensive as a new one. If you need new life insurance consider “refinancing” your old policies and using the savings on the old policies to pay for the new policy – that way there is no extra out-of-pocket costs. We like to think of this process as “refinancing your life insurance” – just like you refinance your mortgage.Secret #6: Realize life insurance companies have target niches that constantly change.One day company ‘X’ is giving good rates to people who are a little overweight and the next month they are super strict. Company ‘Y’ might be lenient on people with diabetes because they don’t have many diabetics on the books – meaning they will give good rates to diabetics. At the same time company ‘W’ might be very strict on diabetics because they are insuring lots of diabetics and are afraid they have too big of a risk in that area – meaning they will give a bad rate to new diabetics who apply.Unfortunately when you are applying a life insurance company will not tell you, “Hey, we just raised our rates in diabetics.” They will just happily take your money if you were not smart enough to shop around. This is the number one area a smart agent can come in handy. Since a good multi-company agent is constantly applying with multiple companies he or she will have a good handle on who is currently the most lenient on underwriting for you particular situation. The problem is that this is hard work and many agents are either too busy or not set up to efficiently shop around directly to different underwriters and see who would make you the best offer. This is a lot harder than just running you a quote online.Secret #7: Don’t forget customer service.Most people shopping for insurance focus on companies with the lowest price and the best financial rating. Unfortunately I know of some A+ rated companies with low rates who I would not touch with a ten foot pole simply because it’s easier to give birth to a porcupine backwards then it is to get customer service from them.Before I understood this I used a life insurance company that gave a client a great rate but 2 years later the client called me and said, “I have mailed in all my payments on time but just got a notice saying my policy lapsed.” It turned out the company had been making lots of back office mistakes and had lost the premium payment!We were able to fix it because we caught the problem so early. But if the client happened to have died during the short period the policy had lapsed, his family might have had a hard time proving that the premium had been paid on time and they might not have received the life insurance money – a loss of hundreds of thousands of dollars in that case.Secret #8: Apply 3-6 months ahead of the time you need the insurance if possible.Don’t be in a hurry to get a policy if you already have some coverage in force. But go ahead and apply right away knowing that you might need months to shop around if the first company does not give you a good rate. Even though the life insurance industry is getting more automated your application will still often be held up for weeks or months while the insurance company waits on your doctor’s office to mail them a copy of you medical records.If you are in a hurry and buy a quickie ‘no-underwriting’ policy without going through the full health checks and underwriting that a mainstream life insurance company requires, you will end up paying 20%-50% more because the insurance company will automatically charge you higher rates because they don’t know whether you are healthy or about to die the next day.Secret #9: Avoid buying extra life insurance through work if you are healthy.I am sure there are exceptions to this “trick” but I have rarely found one. By all means keep the free life insurance your employer provides. But if you are healthy and you are paying for supplemental life insurance through payroll deduction you are almost certainly paying too much. What is happening is that your ‘overpayments’ ends up subsidizing the unhealthy people in your company who are buying life insurance through payroll deduction.Usually the life insurance company has cut a deal with your employer and will waive the required health exam for all employees – instead they just average the price for all the employees and offer one or two rates for males or females at any given age. Life insurance companies know they will pick up lots of unhealthy clients this way so they jack up the price on everyone so that the healthy people end up overpaying so that the unhealthy employees get a cheaper policy. Also, unlike the guaranteed term policies which we recommend, most life insurance you buy through work will get more expensive as you get older.Also group life insurance is generally not portable when you retire or change jobs meaning that when you retire or change jobs you might have to apply all over again even though you will be older and probably not as healthy and risk being turned down for a policy. If the group plan does allow portability they generally limit your conversion choices and force you to go into expensive cash value plans.I remember helping someone evaluate his supplemental life insurance. He was sure it was a better deal than any policy I could find him. Little did he know that the price of his group plan would go up every year? By the time he retired his premium would have risen to over $10,000/year. I found him a policy for around $1000/year that would never go up. Also, unlike his old group life policy, he could take the individual policy with him when he changed jobs or retired.Secret #10: Do a trial application on a COD payment basis.Only send money with the application if you need the life insurance coverage right away. Sending a check with the application is a traditional practice agents used to do – I think mostly because it got them their commissions faster. If you send money with an application you usually get temporary coverage immediately but if you already have plenty of coverage and are just trying to get better rates ask your agent to do a trial application on a COD basis so you only pay once the policy is approved. If you do not send money, and you die before paying for the policy there is no coverage.Secret #11: Wear your shoes when the nurse measures your height.When the insurance company sends out the nurse to do your health check try to be as tall as possible if you are overweight? In most states you are allowed to wear shoes and if you are a little overweight your taller height/weight ratio will look a little better to the underwriter who is determining your health rating and policy price. Also do your exam early in the morning with no food in you – this will make your cholesterol count and various health ratios look the best.Secret #12: Be careful with extra perks and riders.Most policies come with options like accidental death benefit, child riders, disability riders, return of premium etc. If you do the math on most of these “extras” they usually don’t make smart financial sense. Life insurance companies are out to make money and these riders are usually profitable because they either cover something that rarely happens or they are so stringent that the benefit never gets paid out. Keep things simple and focus mainly on getting a life policy to cover your life without many strings attached. Again a good agent can help you weigh the benefits of the extra riders. But be wary of an agent who tries to tack on every possible extra rider.
Now is the time to get started with an online business to get the amount of income you always wanted. In the present times Internet is becoming the ultimate solution for many things and it can help you earn money also. In fact many thousands of people all over the world are able to generate huge sums of money and completely changed their life style. Though starting an online business may look easier but running it to get all the success you want is not an easy task. This needs a lot of effort and dedicated sincere smart work, and with this it will be possible to reach the level of income you want for you. As an online business is your own business you have all the independence and freedom you to do what you want to do at any time you want. By starting an online business you become your own master and all the efforts and time you spend on the business is going to give the benefit to you.When you have decided to have your Internet based business it is necessary that you have to be clear about certain things and must have taken care of the preliminaries. An Internet business being the one that can be run from your home does not require much capital and other heavy infrastructures as needed for starting an ordinary brick and mortar business. While starting an online business it is very important to find a profitable niche market and this is the primary point that can decide on the success or failure of your online business. So do your research very carefully before going deep into a wrong niche so that the products you select will be in demand.Even before starting an online business it is necessary to have a good business plan and you must have provided well for all the eventualities of your online business. This will ensure that you have the ready answers for many of your questions that may arise during the conduct of your online business. When you want to grow your business in the way you want it is essential that you follow a good business plan all along to take your business in the planned route. Though anybody can start and run an Internet based business, you can better take care of your business needs if you are able to handle the technical aspects of your business by yourself.Marketing your Internet business is very important and it is the vital factor that is going to decide the success or failure of your business. While starting an online business you must have a good marketing plan that can help you get a good handle on your online business. Your marketing plan is the one that tells you how to get more customers for your business and you must have the intelligence and earnestness in modifying your marketing plan as needed for effective implementation of your business strategy.So, do not forget to do all the necessary research before starting your business and when you have every thing you need to go on with your business you are sure to conduct it in such a way as to give you the amount of income you planned to achieve.
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According to the U.S. Bureau of Labor Statistics (BLS), the American health care industry should gain 3 million new jobs between 2006 and 2016. Keeping pace with the increase in healthcare jobs, online education is also on the rise. According to the National Center for Education Statistics (NCES), during the 2006-2007 academic year, 66 percent of all 2- and 4-year degree-granting institutions already offered distance-learning education on some level (compared to 56 percent during the 2000-2001 academic year).If you’ve ever considered pursuing a career in health care, the rapid expansion of the health care industry provides you a wealth of career options. Although many associate a lucrative health care career with becoming a doctor, you don’t need seven years of school in order to find a satisfying and supportive health care career. According to the BLS, most health care workers have less than 4 years of college education.For example, phlebotomists and other clinical lab technicians can learn on the job or through a certificate phlebotomist program. If you’re interested in a career as a radiologist, you can earn a certificate in up to a year. If you want to become a nurse, you can earn a nursing degree in two years as a full-time student.Online Health Programs: Ideal for Busy AdultsOf course, if you’re already working full-time, it can be difficult to pursue a full college schedule. Between the daily commute, elusive and expensive parking spaces, the hunt and scramble for the right lecture hall, dodging games of Frisbee in the quad, and the dreaded dining-commons meatloaf, campus life can be a full-time job in itself. Add parental or other family responsibilities to the mix and you may be headed on the road to burnout.Before you decide to abandon your plans, you might consider attending an online healthcare program. Online health schools and online medical programs can eliminate many of the hassles of campus life in favor of an online interface. Although programs vary from one institution to the next, many online degree interfaces include features like discussion boards, where classmates can pose questions and interact with one another, email systems for submitting assignments and taking exams, as well as questions for discussion and email access to the instructor.Online Health Schools: A Convenient AlternativeOne of the major benefits of pursuing your degree through online health schools is the wide variety of available programs. You can find online medical programs in nursing, phlebotomy, physical therapy, even health information technology and dental assistant programs. Perhaps the biggest selling point, however, is the convenience of studying where and when it’s convenient to you–an advantage that the brick-and-mortar classroom lacks. Of course, you may be wondering what an online healthcare program will require of you. Depending on the particular online health program you choose, you can expect different coursework. Among institutions offering online courses, 62 percent reported that 100 percent of the instruction in those courses must be online (according to the NCES). However, since most health care careers require hands-on medical training, your online medical program may likely require you to supplement with practical experience.For example, if you were going for a certificate in phlebotomy, you may attend brick-and-mortar classrooms for training in how to handle blood samples, tourniquets, and lab equipment. Online health care programs in nursing may consist of online coursework in human anatomy and physiology, combined with on-site practice in hospitals, clinics, or doctor’s offices.Whatever your healthcare career ambitions, it’s likely that you can find an online medical program that fits your needs. Check out available programs today.
Bachelors of Business Administration is a very common choice among people who are interesting in management. There are various kinds of BBA courses, some people opt to do a generic or a specialised course. If you are interested in marketing management, analysis of the market and advertising, you can do a specialised course of BBA in Marketing. The course helps develop communication skills along with quantitative analysis. There are standard subjects of management but the core focus is on marketing and advertising. Marketing is an important social process for any company as it helps them target the right and intended audience. It doesn’t mean selling but instead consists of economic activities like production of goods, merchandising function, physical distribution of goods, and many other supportive functions. It prepares a firm to act in times of distress and the individual is trained in how to undertake crucial tasks such as competitor analysis.What does the course teach?Marketing management deals with applying principles of management and business principles to promote and sell products or services. The evolved form of marketing management course also includes digital marketing along with the traditional forms. Managing the marketing is very important for any business. Every aspect including financial services like loans and banking require marketing. Through BBA students learn business processes and practices and understand how economics works in the world marketplace. It benefits the students by giving practical training in management which can help them to adjust and work in big or small organizations. The course is also very rewarding in terms of the perks, incentives and salary package and is therefore a preferred choice of career.Some of the subjects that the course teaches are:Organizational behaviourPrinciples of ManagementBusiness CommunicationMarketing ManagementMarketing ProcessMarketing EnvironmentTargeting and PositioningProduct ManagementBrand ManagementHR managementFinance managementPricingDistribution ManagementMarketing Information systemsConsumer BehaviourMarketing ResearchCustomer Relationship ManagementInternational Marketing ManagementThe course equips you in skills like decision making and management. The advantage of doing a BBA course is that you can get a job in any industry ranging from media to automotive or fashion. You can also opt for a job in private or public sector as everything requires marketing. Marketing also teaches you how to understand consumer behavior according to which the company changes their strategy.What is the scope of BBA Marketing in India?Students who have graduated with a marketing degree, they can make a career in sales as an executive or go into research analysis. The course usually requires students to write a thesis or a dissertation which can help in higher studies. You can opt for a generic or a specialised Masters in Business administration. Marketing is also offered as a specialised subject in masters. After pursuing your masters, you can work as Chief Executive Officer (CEO) or Chief Operating Officer (COO). The most important thing is that any marketing manager needs to be use new business strategies and strategic tools, technology and processes and adapt to new situations.The research that you do in your bachelors can also helpful market analysis and studying the fluctuating market and making a strategy according to it. After their bachelors in business administration, some common careers may include the following:Sales managerPromotions managerPublic relations managerAdvertising managerMarketing managerMarketing strategistBrand managerPR specialistMarketing managerAdvertising professionalMarket analystSource by Stratford University
First, let us discuss what video and email marketing methods are exactly. Online Video Marketing is a technique in which you produce a video illustrating your business. These videos usually show the services and products your business has to offer. This allows customers to easily understand your business’s message through a video production. On the other hand, we have the approach of online email marketing. Email marketing is the process of promoting your business through emailing your customers new offers, services, and products. Though this technique can be very profitable, you need to already have your customer’s email address to be able to send marketing material to them. Both are great ways to reach out to your customers and encourage them to choose your services over competitors.Marketing through videos has been around for an exceptionally long time. But with the boom of social media and other online sites, this technique has been taken to a whole other level. This popularity is well deserved as it is extremely easy for customers to digest. With just a click or scroll, customers can view vital information about what your business has to offer them. There are also many online video platforms out there on which you can market your video production. I know I have mentioned an awful lot of pros so far, but we are not seeing many cons. Well, it is hard to find any cons for video marketing as it has become the most convenient way to reach customers. Online video marketing is one of the best ways to advertise your business promotions online.So, we discussed the online marketing technique of video sharing but what about email marketing? It is also a great way to communicate with your customers. This method allows you to contact your customers directly with new offers, services, and products. It also lets you easily send return customers deals to help them to keep your business in mind. But you will need access to the customer’s email address to be able to send them marketing emails. You have to be able to encourage customers to give you their emails, they won’t just hand them over. It can be difficult to reach new customers that have not already provided you an email for which to send marketing information to. This makes email marketing a great secondary marketing technique rather than the main tool. So, in short, email marketing is great for customers you already have and not so great for getting new customers.Though these are both great ways to get information to your customers, one is much more effective than the other for marketing. Online video marketing is the way to go when it comes to getting what you have to offer in front of new customers. Though video marketing is the best way to reach new customers that does not mean you shouldn’t use email marketing once you’ve connected. Email marketing is a great tool to use in unison with video marketing. Let video marketing bring customers to you and email marketing keep them coming back for more.
Ever wondered what you could do with a commercial mortgage? Well, to be quite candid, there is a plethora of ways to make use of a commercial mortgage. Such a mortgage can be used to finance many different types of properties, so let’s take a minute to review these properties. Of course, not all commercial investments are created equal. Some inherently involve more risk than others. As a result, some banks and financial institutions that offer commercial mortgages may or may not offer a product that finances one of the following. As always, it will be up to you to shop around and find a commercial loan broker that offers a commercial mortgage package that fits your needs.Apartments – Great investment opportunities exist with apartments. Apartments serve as a great form of securitization for a commercial mortgage. They also prove to be great income properties, as apartments that are managed well can bring in positive cash flows at the same time as equity is being created.Health Care Facilities – A commercial mortgage can also be used to finance health care facilities. Such an investment provided two distinct advantages. First, you are investing in a traditional business that has a growing market and customer base. Second, you are also making an investment in land and facilities that will appreciate over time, creating positive equity for you. Investing in this type of property and business is not so far fetched when you realize just how accessible a commercial mortgage really is.Industrial – Though industrial spaces are neither glamorous nor thrilling investments, they are certainly valuable. Most lending institutions will offer some sort of commercial mortgage that allows for investment in industrial spaces. Such an investment typically proves to be a solid investment since industries are always growing and this type of space will always be needed.Manufacturing – If you are interested in expanding your business and increasing your manufacturing capacity, a commercial mortgage may be the way to go. You can use a commercial mortgage to finance the expansion of your manufacturing facilities and thus grow your business in the process.
Warehouse – Not very many businesses can continue to grow and prove successful with no room for inventory. If you find your business is ready to take it to the next level, and you are short on warehouse space a commercial mortgage can help you as well. Many large lending institutions have a commercial mortgage designed to finance warehouse expansion, so don’t hesitate to contact your commercial loan broker today if you are ready to expand.Retail Structures – Even retailers need financing to build new stores, increase their accessibility, and grow their business. When retailers are ready to fund a new project, they turn to a commercial mortgage as well.Office Complexes – Office parks and buildings are financed the same way as all the others, with a commercial mortgage. Office complexes also prove to be great investment properties for investors in the real estate market, as the risk of vacancy in office complexes is much less than that of retail spaces.You might have noticed a trend while you read this list. Indeed, a commercial mortgage can be used to finance just about any kind of commercial property. So when you are in the market for a commercial property, go visit your commercial loan broker.