Rental Income Might Not Be What the Owner is Representing?Estoppel agreements insure you that the rental income being presented will be delivered. Suppose you’re a prospective multifamily apartment buyer, and you purchase your first apartment building. The good news is that the apartments still have tenants. According to the lease summaries and rent rolls provided by the sellers, the tenants pay a combined $50,000 per month.Now the bad news. You first month rolls around and the all of a sudden your income is now a combined $25,000 per month! What happen?Okay, so what did the you do wrong? You and the commercial lender should have obtained an what is known as an estoppel agreement from all the tenants before making the loan.What the heck does estoppel mean? Estoppel is a a rule of evidence whereby a person is barred from denying the truth of a fact that has already been settled. An Estoppel agreement is a form given to the actual renter of the unit and filled out with the respective rent being paid.Estoppel agreements are used in various commercial properties where you would have people or companies renting space from from a landlord. It insures that the rental income records being produced by the seller are accurate and up to date. Some lenders will require this to be done as a condition of granting a loan on the property. Regardless of any paperwork or promises made by the seller of a property, a Estoppel agreement should always be fully executed and verified against any and all income statements.
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According to the Survey of Earned Doctorates, as of 2004 there was a 3.4 percent increase in doctorate degrees awarded in the United States. In June, 2004, a total of 41,155 research doctorate degrees were earned by postgraduate students. The recent increase in doctorate degrees awarded after a decade of decline can be partially attributed to the convenience of distance learning postgraduate online education degrees.Postgraduate degree programs offer students an opportunity to explore a subject to attain the highest levels of proficiency in that area of study. Courses can be based upon a curriculum or independent study and research. A recent study released by both Penn State University Outreach Marketing and Communications and University Continuing Education Association revealed that distance learning is anticipated to grow ten times quicker than on-campus education over the next ten years. Further, about 45 percent of college enrollment are adult students who frequently prefer distance learning opportunities to classes on campus. Sun Chairman Scott McNealy states, “Technology has to play a huge role in education. (It’s) changed commerce…publishing…banking. It’s got to change education big time.”Distance learning postgraduate online education degrees afford busy students the opportunity to earn doctorate degrees at their convenience, without having travel to and attend traditional classes. By the time students intend to pursue distance learning postgraduate online education degrees, they are usually computer literate, self-motivated and able to manage their time properly. These are all essential elements to success in virtual classrooms. The two basic types of postgraduate degrees students may earn are professional doctorates or research doctorates.Professional doctorates. The United States requires terminal professional doctorate degrees to perform in certain fields, such as dentistry, medicine, law, chiropractics, occupational therapy and psychology. Prior to entering these professional doctorate programs, students are required to complete a bachelors degree, preferably in a related field. Professional doctorate degrees, such as J.D. and M.D., usually do not require students to complete a thesis, although some do require an original research paper to be submitted. Doctorate degrees usually take three years to complete after postsecondary education, although distance learning postgraduate online education degrees may be earned more quickly. Because online education courses are often geared for the busy adult learner, students can progress at their own pace.Research doctorates. The research doctorate that is most commonly earned is a Ph.D. The time is takes to complete research doctorate degree programs can vary quite a bit, depending on course pursued. It is common for students to take two to three years to complete coursework and three or more years to conduct pertinent research. The benefit of a Ph.D. is that a holder is qualified to pursue an academic career as an expert in their field. Distance learning research doctorate degrees are conveniently pursued online and can be easily worked around professional schedules.Honorary doctorates. These degrees may be awarded for substantial contributions to a field and are not necessarily academic.Financial Aid. Federal financial aid and loan programs may be applied to distance learning postgraduate online education degrees. Employers may offer tuition reimbursement for coursework. Private loans may also be secured to pay for higher education. Students have several options available that can help them finance their doctorates.Thesis. Some postgraduate doctorate degrees require students to write a thesis. The learner defines their own area of research and takes years to write a detailed paper, which may be made available as pertinent information to other students in the field.Coursework. Distance learning postgraduate online education degree programs offer students ongoing guidance through coursework, email, virtual lectures and online discussions. Students are, however, expected to work independently and use a variety of research resources to complete their course requirements.Online Students. A recent national study entitled Degrees of Opportunity revealed some interesting facts about online students. Eighty-nine percent of those surveyed felt that the benefits derived from higher education are equal to or even greater than the money, time and effort involved. Lyungai Mbilinyi, Ph.D and author of this report, stated, “Eighty-one percent associated higher education with a sense of personal accomplishment and seventy-eight percent believed education would better develop their talents or pursue their interests. Despite the assortment of obstacles many adults face when considering a return to school, the overwhelming majority believe the resulting benefits have made it worthwhile.” Finally, eighty-four percent of enrollments in higher education programs are non-traditional students such as distance learners and adults with jobs. Students who participate in distance learning postgraduate online degree programs are not only seeking better positions, but the increased knowledge and self-esteem that comes with an advanced education.The study “Growing by Degrees: Online Education in the United States, 2005″ found that full distance learning postgraduate online education degree programs were offered by 38 percent of schools. The popularity of postgraduate online degree programs makes it clear they are a viable way to earn higher education and improve career options.
SEO could benefit many businesses who are looking to increase their online presence and drive more targeted traffic to their websites. Unfortunately the SEO industry is not known for its transparency and this can be confusing for businesses that are wondering just what exactly they will be getting in return for their investment.The SEO industry has also attracted a lot of cowboys who employ “black-hat” techniques that go against the policies of Google and the other search engines. You should make sure that your SEO will be done using ethical “White Hat” techniques.Businesses that unwittingly employ an SEO that uses these techniques may see short term results until Google discovers the footprints left behind by these techniques, at which point they will see a negative effect on their search engine rankings. The black hat SEO offers quick fixes and is usually long gone by this point!What’s With all the Hats?The term “Black Hat” comes from the old western movies, the bad guys always wore black hats! The good guys wore white hats, you will hear ethical SEO referred to as “White Hat” SEO. Remember the bad guys always got their just deserts!What Should your SEO be Doing for Your Business?It is important to know exactly what your SEO will be doing for you and how they will provide you with measurable results. Be wary of any SEO who offers a guaranteed ranking, it is impossible to guarantee a ranking with Google or any other search engine!Any SEO who can guarantee results without even knowing which keywords you want to target is using this as a marketing ploy, how could they guarantee results if you wanted to compete for keywords like “Apple”, “Google” or “Facebook”?!Without conducting keyword research it is impossible to tell how likely the success of an SEO campaign will be and how long it is likely to take. SEO is an ongoing process of research, testing and analysis. It takes careful planning to identify the best keywords and to then put a solid strategy in place to rank for those keywords.On-site and Off Site SEOSEO takes into account factors that are both on-site and off-site. On-site SEO entails an analysis of your website. It involves looking at many factors including the site structure, use of keywords, the sites content, page loading times and the HTML and CSS that the site is built with. Good on-site SEO benefits the end user and also helps to avoid any technical “Gotchas” that search engines don’t like, such as duplicate content.A good SEO will start by analysing your site and making recommendations to improve an optimise the site for both users and search engines. Off site SEO involves creating relevant backlinks from other sites to yours.Each backlink is counted by the search engines as a vote for your site. Websites are given an authority score called Page Rank. Each time a site links to you it shares a little bit of its page rank with you, links from high authority sites share more of this page rank than lower authority sites. Incoming links to a site are known as backlinks.To Follow or to Nofollow…Some links carry no authority at all, many links carry a nofollow attribute that tell the search engines not to count that link as a vote. Webmasters and bloggers might add this attribute themselves if they don’t their link to be counted as a vote for the external site or it could be automatically added by the platform they are using to publish their content, this is often the case when a site offers its user to add comments or content and the webmaster has little control over what links get created by the sites contributors.Links without the nofollow attribute are termed “dofollow” and pass page rank from your page to the linked page. In HTML there is no actual dofollow attribute, dofollow happens by default in the absence of a nofollow attribute. You should never nofollow internal links as this will cause any page rank that would have been passed to that link to just evaporate!Where Did You Get Those Links?You should ask your SEO how they will create backlinks, a good SEO will try to build a varied backlink portfolio for you. This portfolio should include high value links that are found in bodies of text such as blog posts. These usually carry the most page rank but also require the most work as the SEO will need to build connections with blog owners and often provide the content themselves.Any good SEO will look for quality over quantity, anyone promising a high number of links is probably best avoided. The search engines like to see “Natural Links of Love”, a few high quality links will go a lot further than many low quality links.Other linking strategies include using quality business directories or commenting on blogs and forums as well as using social media and social bookmarking sites.Link exchanges are best avoided as these two way links don’t look like natural links. Search engines can see the Internet as a series of connected nodes and easily detect unnatural patterns like this.Your Business, Your NeedsYour SEO should talk with you about your business needs and goals and also try to understand as much as they can about your target audience. If they don’t do this then they are unlikely to pick keywords that will attract and convert the right audience for you business. They should conduct extensive keyword research and be able to identify the keywords that will bring in more of the right traffic. Traffic is useless if it doesn’t convert!Added ValueYour SEO should also be able to research your competition and tell you what keywords they are targeting and also how much time it is likely to take to compete for the same keywords. They should also be able to come up with alternative strategies if those keywords are far too competitive for your budget or to bring in traffic while you work towards competing for the main keywords.SEO takes time, it doesn’t happen overnight. Your SEO should be able to provide you with a monthly report that shows how you are progressing through the search engine results for your keywords. They should also be able to run PPC campaigns on your behalf and also create content and copy for your site.Many SEO’s will also be able to promote you via social media and advise you on other Internet marketing techniques such as building mailing lists for email campaigns.The Bottom LineThe rate for an SEO varies an awful lot. Some agencies will charge upwards of 1000 a month! A small business should be able to find a decent SEO for around 300 a month, this depends on the level of service required but 300 should buy you a good campaign targeting 5 keywords.The first month is usually a bit more expensive as this is the month that the on-site SEO takes place as well as the keyword and competitor research.Some SEO’s offer a very cheap service, you get what you pay for and keep in mind that SEO takes a lot of time as it involves a lot of research, analysis and content creation.If the price seems too good to be true then it probably is! Don’t risk falling foul of black hat SEO techniques for a cheap price!