Golf Etiquette is Very Important!Experienced golf players follow a set of unwritten rules while on the course. These rules are typically referred to as golf etiquette. When beginners golf it is important for them to learn proper golf etiquette from the more seasoned its players in their group. As a beginners golf game improves they must begin to incorporate these rules into their usual routine on the golf course. Most country clubs don’t demand that player’s golf with courtesy, but it is expected. Following the commonly accepted rules of golf etiquette will create a congenial atmosphere in which the game of golf can be fully enjoyed by all.Beginners Golf – Maintain a Good Pace in Your Golf GameIf you have ever been stuck behind a slow moving group ahead of you on the golf course then you know how frustrating it can be. Not only does a slow group eat up a lot of time, but they can also cost other golfers strokes by throwing off the natural rhythm of their game. When beginners golf they need to keep in mind the fact that it will take them a longer time to reach the green than it will a more experienced player.If you find that your group is holding up another it is a common its courtesy to allow the other group to play through. You can also speed up your golf game by not spending an excessive amount of time looking for a lost golf ball. Another great time saver is simple preparation. Instead of admiring the clouds while your companions are taking their shots, spend that time planning your own upcoming shot.Beginners Golf – Golf Etiquette Also Involves SafetySafety is an important consideration in any sport and golf is no different. The use of golf carts is an area of safety where many golfers would receive a failing grade. Make sure to read all of the rules posted in the clubhouse, cart, and on the course. Keep golf carts in designated areas only!Beginner golfers must also be on alert when preparing to make a swing. Always look around before taking a swing; this will go a long way in promoting the safety of the other golf players in your group. You should keep your eye on the ball after making a shot and call out a warning if others are in danger of being struck.Beginners Golf – Good Golf Etiquette Requires the Consideration of Other Golfers Your actions toward other golfers are perhaps the most important part of golf etiquette. Golfers must focus when making a shot and that requires quiet. When beginners golf they must remember not to speak or make unexpected noises while others prepare to take their shots. There are a few specific rules for conduct on the green as well. When beginners golf if is very important that they are conscious of where their shadow falls on the green. All shadows must be kept well away from the putting line.

There’s nothing more interesting and more exciting than journey. Through journey, you are able to not only see the world but adventure it: whether you are going to the hills of China and into the Himalayas, or exploring the Australian outback, there are so many ways that you can learn by simply being in the right place. You can add to the exhilaration of your global journey endeavor by doing it at the last minute. Of course, this can be unmanageable, but if you are inclined for some mind blowing exhilaration, then go ahead!Here are a few tips that will help you in last minute world journey.- Never disregard the importance of a passport. Some people will take for granted the importance of their passport and will journey around without it, thinking that they can go into any nation without their nationality or citizenship. However, you may get robbed, a lot of things can get stolen from you, and if you are working at the last minute, things can get quite messy. If you lose something, you need to go to your consulate if it’s important, and you need to show that you are a citizen of your nation through your passport.- Before you ever journey anywhere, no matter how last minute your trip is, always check for the address of your consulate or embassy in the nation that you are going to. Take note of this address and all contact numbers, and keep this information in a safe place. You will need this information just in case something goes wrong during your trip.- When you are able to log on to the Cyberspace, do two big things: look for information on your destination, such as the places where you want to go, how to get around, currency rates from your currency to your destination’s currency, and other important things; and second, book a accommodations. The first task will allow you to predict any events and know where to go beforehand so that you don’t walk around blindly in your destination. The second may very well get you various discounts so make sure that you get a good accommodations deal!- If all else fails for your pursuit for good discounts on accommodations, then you may have to simply wing it. When you arrive at your destination, track down for a inexpensive but decent and clean pension house or hostel. Get some rest, and when you start moving around the next day, stop by at a number of hotels and ask for information on bookings and inexpensive rates. This way, you can still get around and get the accommodations that you want!- Ask for recommendations from your associates. They may be able to offer you tips from their own global journey trip. In fact, when your associates start talking about their adventure, you should start listening and asking questions! Don’t ever brush aside the value of good research, not to mention good associates.- Always have a good authentic journey agent on hand who can handle last minute accommodations and arrangements. The trouble with a lot of journey bureaus is that they offer no discounts for last minute journey, but if you are able to find a good agent, then you should keep that agent.- Keep on doing research. On your free time, surf the Net for interesting places to visit, so that when the time comes for you to journey, you know just where to go.

When you list a commercial property as a real estate agent you have to get the price just right. The market buyers know what they want and what they should pay for particular property types. Pricing a property well is part of your selling strategy.When you make a mistake in the property method of sale and or the price, you can be wasting your time in the marketing of the property. Not a good option when the listing is to make a good impression in the local property market. You need good enquiry from the first release of the marketing campaign.Obviously the seller wants the highest price, but setting a price that is too high will kill the enquiry on the property in the early stages of the property marketing campaign. So you have to get the price just right.There are some clear rules when it comes to considering the price you set on a property. Help the client to understand the property market and the recent sales. Here is a checklist of the key issues that will help the listing process and the price setting for the property.What are the comparable properties on the local market now and what are their prices? How are they being marketed? Will they clash with your marketing campaign?
What are the sale results in the last 12 months of properties of similar type in the same local area?
What interest is there in the relative property type today? Is the property unique or special in any way that can impact the price?
How old is the property and has it been well maintained? Given that fact, how suitable is the property for further occupation and performance as a property investment?
Where will the buyer come from? Are they likely to be local or from outside the local area?
What specifically is the profile of the typical buyer of the property?
What is the supply and demand for space to occupy in the local area?
How much other space is coming on the market by way of new projects and properties in the next 24 months?
What are the services and amenities in and around the subject property and how capable are they of continued performance for the building occupants or owners?
What is the best method of sale for the market today given the particular property type?
What is the time on market at the moment in the sale of this type of property?These questions will help you with pricing the property. It pays to discuss these points with the seller of the property so they know the key issues that underpin and support the sales strategy that you choose.

Small business loans are often denied for a variety of reasons. Traditional lenders have historically used more stringent decision factors and lending credit restrictions to mitigate risk. The Federal Reserve Banks of New York, Atlanta, Cleveland, and Philadelphia performed a survey. It found that only 50% of small businesses that requested funding in the first half of 2014 received any money.

The easiest method to prevent a small company loan from being denied is to be aware of the traits lenders frequently see as red flags. Undoubtedly, some banks will be more detailed than other. In general, banks are obligated by law to mail you a notification outlining the reasons why your loan application was rejected.

Here are the primary reasons why small business loans are turned down and what your company can do to avoid these drops.

Low Credit Score for small business loans

One of the most common reasons a business loan is rejected is that the company’s credit rating is lower than the lender prefers. Your company’s financial history will be used to calculate your business credit score. Lenders will then use it before approving a business loan application to determine whether your company will likely repay any debt owed.

Businesses with no history of missing loan payments are more likely to be offered highly competitive interest rates because they pose less risk to the lender. On the other hand, businesses that default or have multiple failed credit applications face more difficulties obtaining financing. Your credit score is considered when asking for a small business loan, regardless of how long your business has been in business. How trustworthy will you be when repaying a business loan if you can’t manage your credit?

Your business is new

Business lenders typically mandate a minimum period in business. It can range from six months to more than a year. You probably won’t meet these requirements if you’re looking for funding for a startup or starting a company from scratch. If your company is new, you may not have accumulated enough business credit history to qualify for a small business loan. It should be noted that vendors do not always automatically report your payments to business credit agencies. When you open an account with a new supplier or vendor, make certain that they report your payments so your company can build a good credit history.

Similarly, even if you have sufficient financial records and meet the minimum time-in-business requirements, your loan application may still be rejected because of insufficient business experience.

Without a doubt, even if you haven’t been in business for a very long time, you can have a very successful business and solid financials. However, you need to research your options before applying because the minimum time in business requirements depends on the lender and the type of financing. If you have already been turned down for a loan because you don’t have enough experience running a business, look into loans with softer requirements. Alternatively, consider delaying your reapplication and continuing to bootstrap your company.

You are not requesting enough money

Contrary to popular belief, the more money you request, the more likely you are to be approved for a bank loan. You typically can’t get business loans from a major bank for small sums of money because the cost of servicing small loans(under $100,000)is not worth it for banks.

Check your financial data and business strategy to ensure you are not underestimating the amount of capital you require. You might re apply and request a more significant amount. Look for an alternative financing source, such as a micro lender or invoice-based financing option that can make smaller loans if you don’t need more money than you already requested. If you require funding but don’t require a sizable lumpsum, consider alternatives to loans as well, such as a small business line of credit.

You have no collateral

Many lenders also require that borrowers pledge valuable business assets as collateral to reduce their risk. In the event of borrower default, the lender may attempt to recover the outstanding loan balance by taking possession of the asset. Loan collateral must therefore be valuable enough to cover the total amount of the outstanding loan. As a result, your loan application might be turned down if your company is young, you don’t have any assets to offer as security, or your assets are already pledged.

You can overcome this obstacle by selecting a lender that provides unauthorized business loans.Numerousalternativelendersalsoofferfundingwithouttraditionalcollateral.On the other hand, unsecured loans carry a higher risk for lenders. As a result, they frequently have higher interest rates and fees.

Cash flow limitations

One of the first considerations for lenders when determining whether to approve a small business loan is cash flow. They want to know that you have the sufficient cash flow to pay for your business expenses, repay the loan, and leave yourself with some extra cash. It can be a warning sign if your cash flow is inconsistent or you frequently experience seasonal slumps.

Lenders might be concerned that the cash flow history could signify future problems if the financial information suggests a poor or fluctuating cash flow. Even though it might not always be possible, lenders prefer stable business cash flow. If you provide multiple services or products, show all your company’s revenue sources—likewise the historical trend of those sales. Unsecured business loans are a great option if you need money immediately and are frequently simpler to get from alternative lenders.

You might need to consider your cash handling abilities if your loan application was denied because of poor cash flow. Poor cash flow is a significant factor in business failure. Use accounting software that makes it simple to create cash flow projections and reports, and then check your cash flow once a week to stay on top of things.

Your business is risky

Even a strong business plan might not be enough if you work in a field with high failure rates. For instance, because of their higher failure rates and potential for unstable revenue, lenders typically view restaurants as riskier than other business types. For this reason, specific industries, like the restaurant business, construction companies, agricultural enterprise, service industries like gambling, frequently have trouble getting approved for a bank loan.

Regulations that make it more difficult or expensive to operate in a sector can impact other industries. In other words, it makes a bank’s obligation to assume risk higher. As a result, banks frequently turn too their industries or tighten their qualification standards rather than take on that risk, making it even more inaccessible to most business owners.

Although you can’t change your industry, you can look for lenders who focus on it or shop at a reputable marketplace where you can compare your options.

Numerous alternative lenders target riskier industries and provide financing options that are more appropriate for those industries. However, these lenders may demand collateral or impose higher rates and fees to compensate for the increased risk.

One of the worst feelings is being turned down for a business loan when you need funding. But remember that you can try again, and it’s not personal. But once you get past the initial annoyance, it can be a teaching moment that prepares you for the next time.

Don’t let these obstacles prevent you from expanding your business successfully.