It is not unusual to find that business lenders and business loan brokers are not as forward-looking about commercial mortgage difficulties as most borrowers would expect, and I have published another article about commercial lenders to bypass. The focus here is on some of the typical commercial loan difficulties often overlooked by commercial lenders and borrowers.Unexpected business financing possibilities can result in severe complications with a business loan, and business borrowers should be prepared for these circumstances. There are many potential commercial mortgage loan obstacles to be evaded with prudent working capital management strategies. Business financing problems with a typical commercial loan are more numerous and serious than most business borrowers would think.A few of these business financing problems will be unavoidable, but in most cases these commercial loan challenges can be met successfully. Business borrowers and their advisors will be better prepared to take appropriate and timely corrective working capital management action by properly anticipating these recurring commercial mortgage difficulties.Avoidable Business Loan and Commercial Mortgage Scenario Number 1: Sourcing/seasoning assets and seasoning of ownershipThis particular commercial loan problem will not be relevant to all business borrowers. However, if it is relevant, commercial borrowers should seek out a lender without sourcing and seasoning requirements or limitations.Many commercial lenders will request business borrowers to document the source of the down payment (sourcing). Commercial lenders sometimes require that funds for a commercial mortgage down payment be verified, often for a period of up to 12 months (seasoning). If a lender imposes a minimum time a commercial property must be owned in order to refinance, this indicates seasoning of ownership.Avoidable Business Loan and Commercial Mortgage Scenario Number 2: A borrower wants to use subordinated debt (a seller second or other secondary financing) in order to acquire a commercial property with a smaller down paymentCommercial mortgage lenders will often not permit subordinated debt. With a business loan from more flexible lenders, a business borrower will not encounter restrictions on the use of subordinate financing and will decrease the down payment required.Avoidable Business Loan and Commercial Mortgage Scenario Number 3: A business loan situation that requires long-term business financingHow long is a long-term commercial loan? Business lenders often consider three years as the maximum period before a balloon payment will be due for a commercial mortgage.If that sounds like short-term business financing instead of long-term, there are business lenders that can arrange 30-year commercial mortgage loans. Longer-term business financing will often be the critical difference that facilitates a successful business investment because new business financing will not be required for many years and commercial loan payments will also be reduced.Avoidable Business Loan and Commercial Mortgage Scenario Number 4: Business loan recall provisions Commercial loan recall covenants mean that the business lender can force the borrower to repay early by calling the loan before it would normally expire. This potential concern is not applicable to all borrowers since some business financing agreements will not allow a loan recall possibility.Many traditional commercial lenders routinely place recall clauses in their commercial loan conditions. The terms which can cause a recall will vary but will commonly include periodic lender review of financials and credit history. Under these circumstances if prescribed levels of income and credit standards do not occur, then the lender will typically notify the commercial borrower that they must pay off the loan within a 30-90 day period.Business Financing Recall Contingency Plans: With a commercial loan recall, borrowers will need to refinance with a lender quickly. Prudent borrowers will exclude lenders that require recall agreements when evaluating business loan refinancing options.To avoid a potentially disastrous recall scenario for a commercial mortgage business loan, commercial borrowers would be wise to consider only commercial loans which do not have recall terms. For commercial borrowers who have recall provisions in their business financing agreement, it will be equally wise to consider refinancing their business loan before a recall occurs so that refinancing is accomplished according to the commercial borrower’s timetable.Copyright 2005-2007 AEX Commercial Financing Group, LLC. All Rights Reserved.

An ornament is a decoration. The significance of ornament has risen dramatically in recent years. Because ornaments are one of the best home decor products, interior designers are stressing their use to enhance the home’s look. Wooden duck ornament is a piece of delicately carved decorative art. Wooden ducks can be used as both beauty and luck to the abode.

First of all, a duck is any cute-looking waterbird that is relatively small and short-necked, which symbolizes love, family, vigilance, clarity, protection, feelings, grace, good fortune, and strength.

Duck ornaments as a symbol of Love

Ducks have the same privileges as love birds regarding marriage, relationships, love, and affection. Paintings of duck couples can be found in bedrooms, and bath towels folded in the shape of ducks can be found in hotels, offering a warm and affectionate sense. It’s been known since ancient times that having a pair of duck paintings or showpieces in the house provides good luck in partnerships.

The Duck couple has been memorialized in wedding presents such as wooden carvings and even in the language of love. This is because these ducks are monogamous, meaning that once they find a partner, they stay together for the rest of their lives. As a result, they have become the ideal emblem of devotion, marriage, and love. In the Korean wedding ceremony, it is customary for a man who intends to marry to purchase a pair of live ducks as a gift for his future wife. This tradition allows for using wooden ducks instead of actual birds to symbolize matrimonial harmony.

Duck ornament as a symbol of vigilance

A wooden duck ornament represents vigilance, which is the act of paying attention to what is going on around you. It could be for safety reasons or to keep an eye on prospective opportunities. Ducks are recognized for their affinity for water. Flowing water is frequently associated with transformation and clarity. Ducks are hence symbols of clarity, honesty, and simplicity.

Duck Ornament from the point of Vastu

Vastu is concerned with the flow of energy into your home and life. In Chinese Vastu, the duck occupies an important position. Ancient Chinese believe that keeping ducks in the home always brings good luck and fortune. Keeping a pair of wooden ducks can help you find your soul partner more quickly or resolve marital disputes. They claim that it promotes internal peace and calm and cooperative relationships among the structure’s occupants.

Duck ornament as a show-piece

A showpiece is a must-have for every home decor. Wooden ducks ornaments offer a lovely touch to a corner or embellish showcase, making your property appear more aesthetically pleasing.

Duck ornaments as gifts

Gifts may bring a smile to anyone’s face, whether it’s for a particular occasion or simply to express affection to those you care about. showpieces are wonderful for displaying your special, priceless moments and gift memories, as well as giving you pride of place in their hearts. The wooden duck ornament will serve as an ideal present for your friends all family for the occasion of birthdays, housewarming, or casual get-togethers.

I am just now concluding that narcissism is a virus that has infected everybody in the world that is breathing air. I even apply this to my own life with a great deal of regret.

Nobody wants to admit they have narcissistic leanings in their life. And yet, if you listen to them, and even listen to yourself, you will see it. I did not know how aggravating it was, but I was to learn pretty soon.

Recently I had a heart attack and had a stent put in one of my arteries, the widow make her. It was this experience that showed me the level of narcissism in my own life.

When anybody would call me and ask how I was, I would mention that I recently had a heart attack and had a stent inserted in one of my arteries. Before I can even get to the end of that sentence, the person on the other end of the line will say, “Oh, a couple of years ago, I had a heart attack and had two stents put in.” And then they would go on and on and on about their condition and experience.

When I thought we had come to the end of that conversation, they then mentioned, “And I have a cousin who had a heart attack and had several stents put in him I can’t remember how many.” Then, were all down another rabbit trail. I sure would like to catch that rabbit.

Coming to the end of this conversation, I said, “Well, I hope you’re doing well.” To which I got the reply, “Thank You, I appreciate that.”

Hanging up the phone, I thought a bit that the person on the other end of the phone did not allow me to tell my story.

For me, this heart attack was quite an experience that I never expected to experience. I know my father had several heart attacks, but I never assumed he had willed it two me. It’s during these times that you think seriously about dying.

I have been tempted to spread the rumor that I won the million-dollar lottery for the week. Once that got out, I would get all kinds of calls to hear my million dollars’ story. But, of course, I know that they would want to be put on my Christmas list.

The discouraging point is nobody wanted to know the story of my heart attack. My heart attack was an opportunity for them to brag, or so it seemed, about their heart attack or their uncle’s heart attack or somebody else’s.

After going through a heart attack why do I want to hear about someone else’s heart attack and how they got through it.

Of course, that is my narcissism coming to the surface. I want everything to be about me and center on my life. I’m not sure what to do or how to deal with this narcissistic virus that seems to be penetrating my life.

I don’t think I will bring this up with my doctor the next time I visit him. I suspect he would send me to his psychology friend, and I certainly don’t want that kind of examination. I don’t think I could pass.

The one thing I have learned about this narcissistic virus is that there comes a point where it explodes. I didn’t know that before, but I found out just recently.

Another friend called and asked about me, and I said I just had a heart attack and had a stent implanted in my artery. Again, before I could get to the end of that sentence, they began explaining how they also had a heart attack several years ago, and they had four stents put in. Then they went on and on about their heart attack and how it changed their life, and what they did to keep from having another one.

I don’t know what triggered my explosion, but all of a sudden, I heard myself saying, “Hey, stop right there. This is my heart attack, not yours. This is my story, not yours.”

Then without hesitating, I went into my story in every detail I could think of at the time. I only wished I had recorded it so I could know what I actually said.

Just before I hung up, the person on the other end said, “Well, I’ll be praying for you, and I hope you get better.” Then there was that infamous “click.” And the conversation was over.

I hung up the phone and turned around only to see the Gracious Mistress of the Parsonage staring at me with one of her “stares,” and I heard her say, “What in the world did you just say?”

At that moment, I knew I was in for some trouble, so I said, “I’m not sure; what did I say?”

I knew she would tell me what I said, so I didn’t need a recording of it. But I kind of lost control because of that narcissistic virus that has infected me.