Sunday, November 11, 2012

Saturday, November 10, 2012

Keep Deer Out Of Garden For Good

Keep Deer Out Of Garden for Good

Have you been battling unwanted garden pests?

For three years now deer have been camping out in the wooded area behind my home. The first year I was so pleased to be able to witness their beauty. But slowly they wore out their welcome as they ate their way through my yard like a gang of famished teenagers. There's a myriad of deer repellents on the market, but which ones really keep deer out of the garden for good? Through the years I?ve tested many store bought and homemade remedies and have found only a few truly work on my stubborn deer. I thought I?d share my successful picks with you.

Homemade remedies are easy to make and are the least expensive, so in your battle to save your garden, I recommend you start here. Unfortunately, I have to report none worked on my deer! Homemade repellents contain strong, perfume or spicy scents which are offensive to the deer's highly sensitive sense of smell (Irish Spring soap, Bounce Fabric Softener or chili powder). Another method is to use predator scent, such as the territory markings of a dog or the use of human hair. The final home remedy is a rotten egg or hot pepper spray, both of which render the plant snacks repulsive to the taste.

If you don?t want to mess with homemade remedies, you can purchase ready made sprays that leave the plants distasteful to the deer. Many gardeners say this spray works well for them, however, I found after a few days my deer didn?t mind the smell, and they developed the taste for putrescent eggs solids. This most likely will work for you unless your deer are as stubborn and determined as mine. Two things I did not like about the spray: the smell and the residue. You?ll notice the gag-worthy smell lasts a day and if you spray heavily, you?ll have a white residue on the plant leaves.

Out of frustration, I purchased an air horn but used it only once. It really did the job! Trouble is, it?s much too loud to use in my neighborhood early in the morning when the deer do the most damage.

I did find two gadgets that have helped tremendously. The first is a small, inexpensive solar powered laser that seems to frighten the deer. At night it shoots out a red beam across the yard similar to a high tech security system. The deer sense a predator and scram. I move my laser gadget to different sections of the yard to keep the deer guessing.

The second gadget is a motion sensitive sprinkler that senses the deer from many feet away and shoots a quick burst of water in their direction. The random shots of water really spook the deer. I've used this for the entire summer and for the very first time, my flowers are growing back. I was hesitant to purchase this because I didn?t want to waste water, but I have discovered it is very efficient.

I still have deer visitors but they do mind their manners and stay out of the sprinkler vicinity. They seem to be afraid to enter that portion of my yard even when the sprinkler isn?t set up. So, after a battle of nearly 3 years and many, many experiments, I?ve finally found a way to save my garden from the deer. The sprinkler can be set to activate with small garden pests such as rabbits, racoons and cats, too. If these gadgets worked on my stubborn pests, they'll help you keep deer out of your garden too.

Source: http://www.streetarticles.com/gardening/keep-deer-out-of-garden-for-good

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Thursday, November 1, 2012

How To Buy Or Sell Commercial Real Estate | Overseas Property

It really is not so hard to start investing in commercial real estate. You should be sure to research your options before making a move. This article teaches you helpful advice so that you can make the most out of your experience.

Eliminate as many definitions of default (i.e., actions that constitute default) as possible before beginning to negotiate a lease with a new tenant. So a tenant can?t default on a lease they sign with you in this type of situation. A default is frustrating and costly.

You will need to have all of your financial information if you want to procure a commercial real estate loan. Without financial statements, a bank cannot verify your income and will not allow you to borrow money.

Your investment may require a large amount of time to begin with. First, you will need to search for an opportunity and purchase the property, as well as perform any repairs that are required. Do not give up because this process takes too much of your time. The rewards will show themselves later.

Focus on a single investment each time. Your center of attention should be placed on a specific investment, whether it is an office building, land, apartments, retail, etc. You can?t be successful if you try to focus on more than one type of real estate investment at a time. Choose one type of investment and put all your attention on making it successful. It is always more advantageous to be great at one thing than sub-par with many.

Borrowers have to order appraisals with commercial loans. Your bank will refuse the appraisal if you try to submit it. Make sure you have all your paperwork in order before you even apply for your loan.

Use your digital camera to take pictures of the property. The picture needs to show defects like carpet spots, wall holes, or discolored sinks and tubs.

Get the credentials of any person who will be doing an inspection on a property you are trying to buy. Pay particular attention to the credentials of any pest-control experts because many of them are not licensed. This can help you avoid headaches after the sale.

To find a trustworthy real estate firm, inquire about their methods on how they make a lot of their money. The representative?s answer should be open and honest and should make it clear whether or not the interests and principles of the firm are in line with yours. You should understand how they will look out for your interests, and when they might shift their focus to their own profit.

As you already no doubt know, smart commercial real estate investing takes time and research. This article has provided you with a good foundation for you to use in your deals, but continue to learn more and keep up with new opportunities in your area.

Source: http://www.davidstanleyredfern.com/property-overseas/how-to-buy-or-sell-commercial-real-estate-2

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Nick Leopard: Wall Street's new 'It' Guy - The Term Sheet: Fortune's ...

Nick Leopard, 32, on the roof of Accordion's office in downtown Manhattan

Nick Leopard, 32, on the roof of Accordion's office in downtown Manhattan

FORTUNE -- Pam Hendrickson needed reinforcements. Recently the chief operating officer of the Riverside Co., a private equity firm that owns more than 80 companies on four continents with combined sales of $3.2 billion, was trying to deliver a five-year budget for all of Riverside's operations. She found herself shorthanded -- one key employee was on maternity leave, another had just left -- and the task required masterful financial modeling skills. In a bind, she turned to Nick Leopard. Says Hendrickson: "Anytime we need analytic help, Nick is my first call."

Leopard, 32, is the CEO of Accordion Partners, a financial services consulting firm that he founded in late 2009. Leopard and his team of 25 bankers act as a sort of rapid-response unit that can drop into a private equity firm or one of its portfolio companies and fix problems of all kinds -- temporarily expanding management's capacity, as the name Accordion suggests. "As much as private equity firms push, the management teams at their portfolio companies often can't build extremely complex forecasts," says Leopard. "So then there are surprises that no one saw coming." Leopard specializes in minimizing those unwanted surprises.

MORE: Private equity's golden hangover

A former lacrosse goalie at Saint Joseph's University, Leopard began his career at the commercial lender CapitalSource (CSE) in 2002 before moving to investment banking at Bear Stearns in 2005. In 2007 he joined the investment team at BHC Interim Funding, a $200 million mezzanine debt fund. Along the way he formed a network of future clients like Providence Equity Partners and Riverside.

As the financial crisis unfolded in 2008, Leopard concluded that Wall Street was going to change: Headcounts would shrink, dealmaking would slow, and buyout firms would have to hold on to portfolio companies longer. He sensed an opportunity. "You could see that the buyout firms were going to get strapped but would still want to give their portfolio companies extra help when the economy slowed," he says. Leopard has purposely kept Accordion's business model flexible. For example, his team can advise on M&A transactions like an investment bank. But unlike a bank, which makes fees on completed deals, Accordion bills strictly for its bankers' time. The firm is paid even if the deal doesn't get done, so there's no built-in incentive to push for a bad transaction.

In September, Accordion launched a new practice called CFO Leadership Services. The idea is to help companies manage investor relations, risk management, compliance, and crisis situations. Leopard says he sees another void in the market in those areas. And he's ready to fill it.

This story is from the November 12, 2012 issue of Fortune.

Source: http://finance.fortune.cnn.com/2012/10/30/accordion-nick-leopard/

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