Actual for You - Real Estate

Workplace Harassment
At a recent American Psychological Association conference, psychologist Paula Grubb from the National Institute for Occupational Safety and Health reported a very disturbing finding—nine out of ten workplaces in the United States experience some level of uncivil behavior, verbal abuse, and bullying. In the first national survey of verbal aggression in the workplace, managers in a majority of the 516 surveyed companies admitted that a variety of bullying and berating behaviors—such as in-your-face verbal cuts, the silent treatment, demeaning jokes, backstabbing, scapegoating, and sexual harassment—were common in their organizations. Given today's highly competitive business environment, constant fear of layoffs, and the aggressive corporate cultures of some

nitoring services.

Electricity: this is most likely for parking or common area lighting.

Water: this is for both drinking and irrigation.

Disposal: this is for garbage collection paid to the city.

HVAC repairs & maintenance: this is the maintenance costs for Heating, Ventilation and Air Conditioning. Usually, there is a service contract for HVAC whereby the maintenance c

Investing - Preparing Financially For When Disaster Strikes
Our hearts and prayers go out to those affected by Katrina. Many are fortunate to have escaped with their lives. It shows us all once again that there are many things that are more important than money. That being said, it is important that we be prepared financially should such a disaster affect us. Read on to learn how.The financial impact on the lives of those displaced by Katrina cannot be overstated. There are three stages of need in such situations—the immediate, the temporary and the long-term. Each stage presents different financial challenges and requires different advanced planning.The first thing you should do to financially prepare for disaster is to have copies of your important legal documents in a safe place other than your hom

Each month your property manager will send you a monthly report. Each company has its own format, using different property management software and internal processes. However, you should receive the following:

A one-page summary that highlights key issues about the property, e.g., one tenant is 30 days behind on the rent.
Income & expense statement. This should be a short statement showing the base rent, Common Area Maintenance (CAM) charges for each tenant, rent and CAM payments received from each tenant. It also shows maintenance expenses and management fee; so you may quickly determine if each tenant has paid rent or not. This statement itemizes all of the income and expenses which may include:
- Late fee: when the tenant pays late, he has to pay the rent plus the late fee. The late fee amount is normally stated in the lease. Normally, when the tenant pays late, the property manager has to do extra work to collect it. The amount of work depends on whether the tenant is too busy to mail the rent check, does not have the money or simply does not want to pay. Typically, the property manager is entitled to the late fees as an incentive to collect the rent.
- Management fee: this fee is usually a percentage of the monthly income from the property that both you and the property manager agreed in the management contract. If you have a very stable property with the same income every month, then the management fee is the same. Otherwise, it varies from month to month.
- Leasing fee: you typically see this when there is a new tenant or a renewed lease.
- Security/Fire Protection: your property may have fire & security monitoring services.
- Electricity: this is most likely for parking or common area lighting.
- Water: this is for both drinking and irrigation.
- Disposal: this is for garbage collection paid to the city.
- HVAC repairs & maintenance: this is the maintenance costs for Heating, Ventilation and Air Conditioning. Usually, there is a service contract for HVAC whereby the maintenance c
  Oregon Auto Insurance Laws
  Oregon financial responsibility law dictates that if you are involved in an accident you will be asked to present proof of ability to cover the cost of damages caused up to a minimum amount. For this reason most drivers buy automobile liability insurance. What type of automobile liability insurance am I required to have in the state of Oregon? According to Oregon auto insurance law, you are required to have Bodily Injury Liability, Property damage liability, Personal Injury Protection and Uninsured Motorist Insurance. What are the minimum liability limits in Oregon?According to Oregon auto insurance law, the minimum amount of liability coverage needed for personal injury is $25,000 person and $50,000 per acc
  t, Common Area Maintenance (CAM) charges for each tenant, rent and CAM payments received from each tenant. It also shows maintenance expenses and management fee; so you may quickly determine if each tenant has paid rent or not. This statement itemizes all of the income and expenses which may include:
  - Late fee: when the tenant pays late, he has to pay the rent plus the late fee. The late fee amount is normally stated in the lease. Normally, when the tenant pays late, the property manager has to do extra work to collect it. The amount of work depends on whether the tenant is too busy to mail the rent check, does not have the money or simply does not want to pay. Typically, the property manager is entitled to the late fees as an incentive to collect the rent.
  - Management fee: this fee is usually a percentage of the monthly income from the property that both you and the property manager agreed in the management contract. If you have a very stable property with the same income every month, then the management fee is the same. Otherwise, it varies from month to month.
  - Leasing fee: you typically see this when there is a new tenant or a renewed lease.
  - Security/Fire Protection: your property may have fire & security monitoring services.
  - Electricity: this is most likely for parking or common area lighting.
  - Water: this is for both drinking and irrigation.
  - Disposal: this is for garbage collection paid to the city.
  - HVAC repairs & maintenance: this is the maintenance costs for Heating, Ventilation and Air Conditioning. Usually, there is a service contract for HVAC whereby the maintenance c
    Seven Steps to Prosperity: Starting Your Own Computer Services Business
    Self employment has increased over 12.2 million people according to a study on the Small Business Administration website. Would you like to join them and start your own small business?You can, it’s really a simple process.1. The first step is the hardest. Convincing your inner critic that you can succeed on your own, without a steady paycheck. This inner critic needs to be tamed and shown its error. You do this by educating yourself. Study everything you can find on your chosen path.2. Next you will have to prepare yourself to succeed. Make sure that you have the means to support yourself for at least six months, a year is better.3. While you are accumulating your living expenses and operating capital, start your market survey.
    y stated in the lease. Normally, when the tenant pays late, the property manager has to do extra work to collect it. The amount of work depends on whether the tenant is too busy to mail the rent check, does not have the money or simply does not want to pay. Typically, the property manager is entitled to the late fees as an incentive to collect the rent.
  - Management fee: this fee is usually a percentage of the monthly income from the property that both you and the property manager agreed in the management contract. If you have a very stable property with the same income every month, then the management fee is the same. Otherwise, it varies from month to month.
  - Leasing fee: you typically see this when there is a new tenant or a renewed lease.
  - Security/Fire Protection: your property may have fire & security monitoring services.
  - Electricity: this is most likely for parking or common area lighting.
  - Water: this is for both drinking and irrigation.
  - Disposal: this is for garbage collection paid to the city.
  - HVAC repairs & maintenance: this is the maintenance costs for Heating, Ventilation and Air Conditioning. Usually, there is a service contract for HVAC whereby the maintenance c
    Facts About An Unsecured Personal Loan
    Unlike a secured personal loan, an unsecured personal loan gives the lender no right, as such, to claim the homeowners’ property, should they fail to repay.Here are some facts about an unsecured personal loan.• The lender relies solely on the ability of a borrower to meet his loan borrowing repayments.• The amount that can be borrowed ranges from as little as 500 to 25,000 and the repayment period ranges from 6 to 10 years.• You can apply for an unsecured personal loan in traditional financial institutions like building societies, banks, etc. Today, even the large supermarkets chains offer these unsecured personal loans.• You can use an unsecured personal loan for going out for a luxury holiday, buying a new car, arrangin
    hly income from the property that both you and the property manager agreed in the management contract. If you have a very stable property with the same income every month, then the management fee is the same. Otherwise, it varies from month to month.
  - Leasing fee: you typically see this when there is a new tenant or a renewed lease.
  - Security/Fire Protection: your property may have fire & security monitoring services.
  - Electricity: this is most likely for parking or common area lighting.
  - Water: this is for both drinking and irrigation.
  - Disposal: this is for garbage collection paid to the city.
  - HVAC repairs & maintenance: this is the maintenance costs for Heating, Ventilation and Air Conditioning. Usually, there is a service contract for HVAC whereby the maintenance c
    7 Best Ways to Productive Blogging
    Blogging has turned out to be one of the most popular activities on the Internet. Blogging cannot only be a way to share your views with the like-minded people but also an excellent source of income if you carry out blogging productively. Here are 7 best ways to productive blogging.1. The first way to productive blogging is to write a blog on a topic that appeals you. Until the subject interests you, you will not be able to get the best out of you.2. The second way to productive blogging is to write a blog on the topic that is ‘hot’ in the current arena. This will attract more and more visitors to your blog.3. The third way to productive blogging is to make your blogs search engine optimized. Make your blog rich in keywords. This will
    nitoring services.
  - Electricity: this is most likely for parking or common area lighting.
  - Water: this is for both drinking and irrigation.
  - Disposal: this is for garbage collection paid to the city.
  - HVAC repairs & maintenance: this is the maintenance costs for Heating, Ventilation and Air Conditioning. Usually, there is a service contract for HVAC whereby the maintenance company will inspect the HVAC twice a year: once before the winter and once before the summer. So, you may receive the service bills only twice a year.
  - Garbage dumping: sometimes people dispose their unused furniture, mattress on the property because there is no one around at night. The maintenance crew may have to clean up these things. Normally, you or the property manager will want a picture of the dumping to make sure that it is a legitimate bill.
  - Landscaping: this is often the biggest expense item. Typically, the landscaper signs a one year contract to maintain the landscaping on the property, such as mowing the lawn, trimming the trees/shrubs, and planting flowers. Thus, the monthly payment should be the same for the whole year.
  - Sweeping: the parking lot is usually swept daily, either late in the evening or before the tenants open for business. In the winter, there may be an expense for snow removal.
  - Steam cleaning: the concrete sidewalk is normally steam cleaned once a month. This is done by the same company that handles the sweeping and landscaping.
  - Roof maintenance: the roof of a commercial building is often flat and requires regular maintenance especially during the rainy season. The roofer may charge each time he is called to fix a roof leak. So, this is not something you see on the statement on a regular basis.
  - Supplies: there are various things on the property that have to be replaced periodically: light bulbs, trash bins, sprinklers, etc.
  - Bank charges: sometimes the tenants pay by check with non-sufficient funds. The bank will charge a fee each time the check is bounced.
  - Le

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Actual for You - Understanding Your Monthly Commercial Property Management Report

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