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The management of accounts receivable is essential in the cash flow of any company, since it is the amount expected to be received from customers for the products or services provided (net realizable value). Accounts receivable are classified as current and non-current assets. These transactions are recorded on the balance sheet. Current accounts receivable are cash and other assets that a company expects to receive from customers and use within one year or depending on the operating cycle, whichever is longer. Accounts receivable are collected as bad debts or discounted for prompt payment. Non-current assets are long-term, which means that the company holds them for more than one year. Aside from well-known non-current assets, banks and other mortgage lenders have a mortgage receivable that is recorded as a non-current asset.

Bad debts, also known as bad expenses, are considered a contra asset (subtracted from an asset on the balance sheet). The against asset increases with the credit entries and decreases with the debit entries and will have a credit balance. Bad debt is an expense account that represents accounts receivable that a business is not expected to collect. A prompt payment discount is offered to the customer to attract timely payment. When a customer pays an invoice within a stipulated time, which is normally 10 days, a cash discount is offered noted as 2/10, which means that if the account is paid within 10 days, the customer gets a 2 percent discount. The other credit terms offered could be n30, which means the full amount: must be paid within 30 days. Cash discounts are recorded in the income statement as a deduction from sales income.

Banks and other financial institutions that provide lending expertise or expect to incur losses on loans they lend to clients. As the country witnessed during the credit crisis, banks issued mortgages to clients who, due to job losses or other events related to their circumstances at the time, were unable to pay their mortgages. As a result, mortgages were defaulted, causing a foreclosure crisis and banks repossessed homes and lost money. For better loss recovery, banks ensured accounting procedures to help bankers report accurate loan transactions at the end of each month or based on the bank’s mortgage cycle. Among these credit risk management systems, banks created a reserve account for credit losses and provisions for mortgage losses. Mortgage lenders also have a mortgage credit account (non-current asset). By definition, a mortgage is a loan (a slow sum of money to interest) that a borrower uses to buy a property such as a house, land or building and there is an agreement that the borrower will pay the loan monthly and in installments. they are amortized over a few stipulated years.

To record the mortgage transaction, the accountant debits the mortgage receivable and credits the cash account. By crediting cash it reduces the account balance. If the borrower defaults on his mortgage, the accountant debits the bad debt expenses and credits the mortgage accounts receivable account. Mortgage accounts receivable are recorded as long-term assets on the balance sheet. The bad debt expense is recorded in the income statement. Having a bad debt expense in the same year that the mortgage is recognized is an application of the principle of matching.

To safeguard losses on defaulted mortgage loans, banks created a reserve account for credit losses, which is a counter-asset account (a deduction of an asset on the balance sheet) that represents the amount estimated to cover the losses in the entire portfolio. of loans. The loan loss reserve account is recorded on the balance sheet and represents the amount of outstanding loans that are not expected to be repaid by borrowers (a loan loss reserve estimated by mortgage lending financial institutions). This account is adjusted quarterly based on the interest loss on mortgage loans, both outstanding and delinquent (not accumulated and restricted). The provision for bad loans is an expense that increases (or decreases) the reserve for bad loans. Bad loan expense is recorded in the income statement. It is designed to adjust the loan reserve so that the loan reserve reflects the risk of default in the loan portfolio. In my opinion, the methodology for estimating the allowance for credit losses based on all loan accounts in the portfolio does not give a good measure of the losses that could be incurred. There is still the risk of exaggerating or underestimating the loss. Therefore, there is still the possibility of banks operating at a loss, and that defeats the purpose of having the reserve and provision for credit losses. If loans were categorized and then estimated accordingly, more credit losses would be eliminated.

With the variety of stone options offered to consumers and homeowners, it can be confusing to choose the right stone for your needs. For example, with California’s vast list of countertop options, one can somehow have a hard time choosing one for their home. Because California countertops are stylish and attractive, you need more information about them to make the best choice among Bay Area kitchen remodeling options. And for that, we include here some information about granite and marble to help you get to know these stones better, and be able to choose the exact stone for your needs.

In the case of granite, it is an igneous rock that is formed from magma and can be found 10 to 50 kilometers underground. This is what gave granite its hardness, as it is one of the hardest minerals in the world, second only to diamonds. That is why granite is used in buildings and other construction applications, as it can withstand the abuse of nature and the elements, and the ravages of time. Granite also has strong heat and weather resistance in addition to its resistance to chipping and scratching. With those qualities in mind, granite is an excellent choice for kitchen use and also for outdoor applications like barbecues and outside countertops. Its heat resistance also makes it an excellent choice for fireplaces.

Marble, on the other hand, is a metamorphic rock that is primarily made up of calcite, or a crystalline form of calcium carbonate. The main advantage of marble is its appearance, it gives an elegant and classy look to any surface on which it is placed. That is why sculptors place a high value on marble, and some of the great sculptures the world has seen are made of marble. The downside of marble is its smoothness; Compared to granite, marble is more easily damaged. It is also susceptible to acids, so more care is needed for marble. Marble can be used for kitchens, bathrooms, countertops, and tiles.

Hopefully the information provided here can help you decide which stone to get. If you’re in California, you have plenty of California countertop options, especially for Bay Area kitchen locations. The Bay Area marble offerings are some of the best in the state, and the Bay Area granite kitchen options are the same. With the information mentioned here in mind, you can better choose which stone option to get and for which application.

Building and installing a homemade electric supercharger in your car is not as crazy as it may sound. There are several sites on the web with information available on these types of projects. Some of the information is available for free, but expect to pay for more detailed plans and information. When deciding between a homemade electric supercharger and a ready-to-go one, it’s important to know what will actually work.

An electric or other type of supercharger is used to increase the amount of oxygen in the combustion chamber to burn fuel. The more oxygen is present, the more fuel can be burned. This produces a greater amount of power with each stroke of the piston. This results in better performance. This is a very simplified version of events, but it is accurate. The more oxygen is introduced into the combustion chamber, the more fuel is required to maintain the proper fuel-to-air ratio for combustion and the most efficient use of the energy generated by the combustion process.

An electric turbocharger that relies on CFM (cubic feet per minute) of air flow will not work. It can’t work because unless you compress the air to allow more oxygen to mix with more fuel, there is no change in performance. The correct reference variable when talking about supercharging is PSI (pounds per square inch). PSI is a measure of force, while CFM is a measure of volume. Obviously, CFM does nothing to increase the amount of oxygen in the combustion chamber. Only a compressor can reduce the volume of air entering the chamber. Without the compression of the air, prior to its introduction into the chamber, there will be no increase in oxygen available for burning the fuel. This means that if more fuel is added without the corresponding amount of air, the additional fuel is wasted. The absence of oxygen means that fuel is not burned. If there is no explosion, no power is generated.

So when looking for a kit or instructions on how to build your own electric supercharger, it’s important to remember a few basics. If the instructions continually use CFM as the primary measure, it is incorrect. If the instructions cite PSI as the main variable to change then it might work. Be sure to read all the information provided about the product, kit, or instructions. This can save you a lot of agony later on. Check the supplier’s references, the longer they have been in business and the better reputation they have, the higher the chances that your product will actually work. Be very careful when making your decision, there are many electric supercharger scams out there. When you finish your project, have fun!

Until recently, the term ‘corporate social media’ was defined as a refined and sophisticated profile of a brand and cautiously generated posts. The fundamental objective of corporate social networks was to generate influence, promote brand recognition and, finally, sell the products or services. Although the concept of corporate social networks has not changed, the procedure has undoubtedly been transformed. With advancements in technology, social media has become more powerful with trends like live video streaming. Live streaming means streaming video streaming in real time via social media websites or a dedicated streaming platform. With the appearance of Facebook Live, Instagram Live Stories, Snapchat, etc. a lot of people are now familiar with live streaming.

Let’s take a look at the different aspects of live streaming step by step.

Live broadcast and business – Taking advantage of live video streaming for commercial purposes merits it in multiple ways. Live streaming allows sellers to interact virtually with buyers and that too in real time with minimal cost. The natural, unedited feel of the content helps connect with viewers by giving them a personal experience. Videos streamed on social media make the business go viral, as its reach is much broader than that of other media. When a video is streamed live on social media, it remains trending as viewers continue to comment, like, and share it if they wish. Stable internet bandwidth, a good camera, and enough talent is all you need to create live video. Therefore, the cost involved is minimal. Once the live broadcast is done, you can use it to make a content marketing catalog. Video content can be extremely useful for promotional purposes such as testimonials, websites, social media marketing, etc. Live videos are a boon for those entrepreneurs looking for huge market exposure around the world.

Ideal practices for live streaming – First, you need to focus on preparing your live streaming video. Scribble a basic format of your video or show; whether written or extemporaneous. Check the methods of execution and probable problems. Finally, make a complete production plan taking into account adjacent aspects of infrastructure, labor, finances, etc. Second, never compromise on video quality. Based on your budget, find the best possible equipment for shooting. The technology and resources used in the production and post-production of your video decide the future of your live streaming videos; so never overlook it.

Once you are done with production, look for your promotion. You should treat live videos like live shows. Opt for promotional efforts like emails, social or digital commercials, teaser videos, etc. Build buzz about your next live video so you’re already starting to gather your audience. Create a solid strategy to drive your marketing initiatives based on the results you expect. Keep generating innovative ideas and concepts that can attract viewers.

Before you step forward to make your video go live; Think carefully about the desired platform. As mentioned, you can stream the video live on any platform of your choice; however, you must also consider the specifications of your requirements. For example, the purpose of your video, the target audience, a change in perspective to attract leads, the method and extent of interactivity, and platform compatibility. Once you understand what exactly your video needs to reach the world; you can quickly choose the best platform. There are many streaming apps that allow you to live stream your video on multiple social media platforms at once.

Tricks to implement a transmission strategy: You can hold closed sessions such as customer Q&A, expert Q&A to get your video spinning to a great extent. When customers interact with each other regarding content; exchange of experiences and comments takes place. Influencers and industry experts can also get involved in the process to clear up viewers’ doubts. Product launches or product demos are likely to get massive publicity if done in a live streaming video format. They create a show of enthusiasm and commitment about whatever you are pitching or showing off to buyers. Events, campaigns or contests when supported by social networks, get excellent responses. A strategy made considering the pros and cons of the live video you are making is known to be the most feasible and successful.

To summarize this topic, the suggestion is to focus on the items of interest to your target audience. The fun should be included in an innovative way that combines the desired message or information within your video. Each of your live streaming videos will certainly be a learning experience for you! Keep creating, keep broadcasting!

If you have a boyfriend and he has a small penis, and this is a problem for you, then there are several options on how to deal with this and what to do.

Understandably, size worries you. The size of the penis has a number of problems around it. You may not feel sexually satisfied as you should. You may not feel as safe and exciting in bed as you could because of your lack of confidence regarding size.

Let’s see how to deal with your boyfriend having a small penis from a variety of different angles:

1. Length VS Thickness. At first, you may think that your boyfriend has a small penis due to its lack of length, but are you aware that when it comes to sexual satisfaction it is thickness or girth that really matters? It can be very misleading and many women can dismiss a guy when they don’t see a decent sized stick when it comes to length. But pay attention to width and you will be surprised how well stimulating someone who is wider rather than longer can be.

2. Does size really matter? Many size problems can have a visual basis. Don’t hit your boyfriend right away for size reasons. Sex can still be great and there are always other, more sexually pleasing ways to be intimate with each other. As mentioned above, if anything, it is the girth issue that matters most to many women who have reported the age-old question of “does penis size matter?”

3. Focus on your confidence. Sometimes the bride does not care about the size and instead it is the groom who is completely consumed with the size of his penis, believing that it is not adequate enough. This can cause big problems in the bedroom. If your confidence goes down, your performance will go down too. Sex will be boring and probably won’t even last long enough if you’re not confident enough. Try to assure her that size is not a problem and that it is her lack of confidence and attachment to her size issues that is the real problem.

4. Notice the positive aspects of your size. Some women prefer a smaller, more manageable size when it comes to sex. And many women strongly prefer the smaller size when it comes to oral sex. It can do so much more and is so much more sexually comfortable when it comes to a sub-par size when it comes to the mouth. Looking towards the positive helps a lot for both him and you.

5. Tell him about “jelqing.” This is an exercise that men have been doing to increase the size of their penis. It is actually a technique that you can do every day and it usually takes several weeks for results to appear. Making it bigger can do two things: increase your confidence levels and provide you with the size you want for sexual satisfaction. If you’re really committed to your boyfriend, you might even be able to help him with the exercises (they basically involve slowly massaging the lubricated penis repeatedly while in a semi-erect state). Sometimes girlfriends help their guy do a jelqing session and in return he gives his girlfriend a nice long back rub. Helping your boyfriend can motivate him more and force him to be more consistent with exercises. Jelqing results generally depend on increased consistency and motivation, along with patience, as it takes several weeks to achieve size.

Okay, if you’re like me, you’ve tried all the training programs in the sun that promise huge muscles, strength gains beyond your wildest dreams, and attention-grabbing abs. Are you blindly following programs that tell you exactly what to do but not WHY you are doing it? Well, I am sure you have realized that many programs are sheer nonsense and no substance. So what makes a strong training program get results? First of all, complex movements are the best option for your inversion, that is, any movement that targets multiple muscle groups. Free weight and body weight exercises are the number one key to all of my strength programs – no machines! What are there no machines? If you have it. Machines do not help train stabilizer muscles and will not have as much of an effect on the whole body as free weights and complex movements. Now I am not going to hand you some random exercises and tell you that they are the holy grail of movement. What I will share with you is the knowledge that I have acquired in the trenches during more than 12 years of training. I believe that the following 6 pillars of movement are the minimum movement patterns that any reputable program should contain.

PILLAR 1 – SQUATS

Squat movements are one of the most complex movements of all time. You don’t have to do barbell squats to reap the benefits of the movement. You can squat using many different objects and loaded positions. Example: Kettlebell Front Squats, Sandbag Zercher Squats, Overhead Dumbbell Squats, Bodyweight Lunges, etc. Wait a minute you throw yourself under the squat category. Yes, I consider any single leg lunge or leg movement to fall under the squat category and I think single leg training is superior in that it adds a completely different level of stability. If you are not squatting, you are missing out on an incredible strength-building exercise.

PILLAR 2 – HINGE

Hinging what the heck is hinges. DEAD RISE! Why didn’t I say it in the first place? Well, to be honest, the deadlift scares people, so I call it a hinge. Deadlift / hinge moves are the kings of strong body building. Hinge movements target pretty much the entire body, but they really focus on the hips, glutes, and back. Any movement that causes you to move the HINGE at the hips to lift the weight or move your body to lift something falls into this category. Example: Kettlebell Swings, Sandbag Shouldering, Kettlebell Snatches, Deadlifting, and any movement that requires you to lift an object. So just because you can’t lift 1000 pounds doesn’t mean you shouldn’t practice the move. In addition, the hinge movements can be horizontal, such as push-ups on the knees or V-shape push-ups with a suspension trainer.

PILLAR 3 – PUSH / PRESS

Pushing and pressing movements will build a strong chest, triceps, back, and core. Any movement that forces you to push or push away from the body, especially overhead, is great for developing your upper body. Example: push-ups, kettlebell military press, dips, pushing a sled, etc.

PILLAR 4 – PULL

Pulling and rowing movements will build a strong back, biceps, shoulders, and core and are also key to developing a strong upper body. Example: Pull Ups, Renegade Rows, Kettlebell Cleans, Kettlebell Snatches, Sandbag Shouldering, etc. Many of the hinge movements fall into the pull category as well, so when creating a program I add an overhead vertical pull or horizontal row that primarily targets the upper body, where hinge movements typically aim for the whole body.

PILLAR 5 – ROTATION

It amazes me how many people don’t train for the rotation. Rotation training will help prevent so many injuries and develop a strong lower back and abs. There are many exercises that make you resist rotation, like Renegade Rows, but you still need to train for active rotation. To train with active rotation you need to use a full range of rotating motion. But the key in rotational movements is to use your upper body and hips to rotate while maintaining a neutral spine. Example: Medicine ball wall hits, Turntables, Golf and baseball swings with sledge hammer, Wooden chops, etc. I think this is the biggest movement missing from most shows. Adding rotational exercises will help relax your body and help your mobility and stability skyrocket.

PILLAR 6 – SIDE MOVEMENT

Lateral exercises are another element that I think many people lack in their training programs. Moving laterally helps develop better mobility, agility, and speed. By training for lateral movements, you are ultimately improving the ability to create and tolerate angles that will allow you to redirect your body to and from a variety of directions that will lead to better performance in any sport or athletic movement. Example: plyometric side fences, side lunges, side steps, etc.

So if you want to gain more agility, mobility, power, and strength, apply the 6 Pillars of Strength to any program and see how it adds up. Good luck, God bless you and get up!

Coach Hembree

PC games have been there in our growing years. They have been much easier to play than any other game. When I was little, game consoles weren’t there. This doesn’t mean that you loathe game consoles. I play them too, but I find more joy with PC games. Although I agree that the consoles are a bit convenient to play because they don’t need to be updated every now and then so that the games can be played on them.

The reasons why I love these games are as follows:

• Well, truly speaking PC games are much cheaper. Therefore, they are much more affordable than game consoles. You will never regret buying them feeling like you’ve spent some extra money on them. The gaming experience facilities they offer are total value for money. In addition, the games offer much more interesting features that keep you interested in the topic.

• In PC games, you can easily play multiplayer games. You don’t have to pay anything for that. So, if you’re in the mood to test your skills by competing with your friends or other people over the internet, you can easily do so.

• With PC you can be sure of getting more types of contests. Whether it’s a bigger or smaller game, you’ll get it all on PC. Today there are very few games that are only released on consoles and they become limited in their limit.

• Another thing about PC gaming is that with a mouse and keyboard you get more speed than anything else. You can control the games in a much better way. This has made games define their niche on the PC.

• In these games, you are given the freedom to play the quizzes the way you want. You can use keyboard and mouse or gamepad, whatever you want. PC games give you flexibility and options. With this, it also means that the PC can be designed or added with certain features that allow console games to be played on them. This makes it easier and better to use. But that cannot happen with consoles.

All of these things make gaming on a PC more enjoyable than any other form. So if you are a game lover like me, you can always go for PC contests.

Kente is one of the famous indigenous fabrics of Ghana. The origin of the crafts is shared between the Asante ethnic society in the southern part of the Ashanti region and the Ewe ethnic society in the Volta region of Ghana. The times of discovery of the art of weaving and designs between the two groups were simultaneous. While the Asantes believe they learned the craft of how grass naturally interweaves, the Ewes claim they learned the craft of the red and black striped cobra, which is their totem. Whatever the case, there are interesting patterns and colors of indigenous cloth that have interesting symbolic meanings that reveal the values, norms and beliefs of ethnic cultures. It is essential that the wearers of this famous fabric know the meaning of the designs and styles so that they can wear them on the right occasions.

Asante Kente names and designs

There are basically five kente weaving patterns from which the various complex and diverse patterns originate. These are Adwin, Akyem, Ahwepan or Hweepan, Nkyeretire or Nkyereano and Faprenu.

• The Adwin kente pattern is a designer fabric pattern that is very beautiful. It stands out for its complex designs, hence the name Adwin (skill). Dexterity or great skill is required on the part of the weaver to be able to come up with this weaving pattern.

• The Akyem kente pattern is characterized by its colorful nature. It was named after the local bird with different colored feathers called Akyem by the Asantes of Ghana. Due to the diversity of its colors, it is expensive and is worn by the rich in society.

• The Ahwepan or Hweepan kente pattern has no design, hence the name ‘hwee’ which means ‘nothing’. It is the easiest of all knitting patterns. It’s no wonder it’s woven by amateurs and new learners.

• The Nkyeretire or Nkyerean kente pattern has the designs that appear only on the edges (‘tire’ or ‘anus’) of the woven fabric with the half of the fabric without designs.

• The Faprenu kente pattern has two or two warp sheets (prenu) woven together with a weft sheet. It is very compact, strong and durable. That is why it was used by important personalities of the indigenous society of Ghana.

• Kyeretwie (kyere- catch, twie- leopard). This kente weave pattern signifies one’s ability to capture a live leopard. Due to the fact that it is a very laborious task as such, this kente pattern is associated with power, strength, and bravery. Its wearer was seen as such. Therefore, this kente pattern was reserved and restricted for the great chiefs.

• Adwinasa (Adwin skill, Asa exhausted). This kente weaving pattern means that the kente weaver has used or employed all the skills and designs that he knows of in cloth weaving and has exhausted them all. It is a very complex knitting pattern that is very expensive. Therefore, important personalities and bosses were allowed to use this kente pattern.

• Obo fa, dade fa (part stone, part metal). This kente weaving pattern is used for funeral ceremonies. Remind grieving family members and supporters that death is part of man (obo, we are dust), therefore we must bear the loss of loved one with strong inner strength (Dade-like metal).

Asante Kente names and designs

• Ehianaga (Ehiana, game money needed). It means that money is needed in the Ewe language. It is a beautiful type of kente weaving among sheep. The name implies that a large amount of money is required to buy kente cloth. It is worn by the rich and famous in society.

• Lorlofukpekpe (lorlorlove, fukpekpe- turned into suffering). This kente weaving pattern serves as a reminder to the wearer and viewers that one’s expectations may not always be met and that one may face disappointment or heartbreak from loved ones, such as partners, friends, and relatives.

• Afiadeke Mefa or (Afiadeke-Nowhere, Mefacool). This kente pattern literally means ‘nowhere is cool’. He warns us not to long for what others have and complain bitterly about our condition. He admonishes us to be happy or appreciate who we are, what we have and the conditions in which we find ourselves.

• Fiawo Yome (Fiawo-king, Yome- second or next). This kente weaving pattern means ‘next to kings or second to royalty’. It is a very beautiful and expensive knitting pattern. It is used by important people in society.

The symbolism of the kente patterns that have been discussed between the two ethnic cultures is with respect to the main and very popular designs of indigenous cloth. However, there are other varied designs with captivating symbolic interpretations. Familiarizing yourself with these symbolic connotations of the cloth will deepen your understanding of the culture of these vibrant ethnic societies in Ghana.

Five-star resorts are relatively new to Algeria, whose tourism industry has lagged somewhat behind that of its neighbors Morocco and Tunisia, but Algeria is catching up fast. Surely one of the most elegant places to vacation in the entire Southern Mediterranean Basin these days is the Pine club, the only hotel facing the sea in the great metroplex of Algiers. It is right on the blue Mediterranean and maintains a beautiful private beach for the exclusive use of its guests.

Vacationers planning a week-long stay in Algeria could do much worse than splitting their time there between the venerable Hotel El-Djazair (known as the Hotel St. Georges when Field Marshal Bernard Montgomery used it as his headquarters at the North Africa in WWII), that former Moorish palace built in the 1880s on top of a Algiers hill, with the rest of the week in the Pine club to sunbathe and eat divinely in its many restaurants.

You can expect a high level of comfort and good service at the Pine club. There is a wide variety of restaurants in the hotel. Many visitors rarely venture outside the complex, it is very self-contained, although the University of Algiers is just around the corner, as is the Ben Aknoun Zoo, which features desert foxes (the famous Fennec fox, the mascot of Tunisia) and other animals. you and your children will rarely see outside of North Africa.

Within the complex are four very different restaurants, as well as two bars and lounges along with a separate poolside bar and a nightclub nightclub for night owls. Room service is available 24/7. There is so much to do here beyond sunbathing on the beach or swimming in the warm Mediterranean. If you don’t feel like hitting the sea, there are indoor and outdoor pools available, a third smaller pool for kids, a health and fitness gym, sauna, and spa. At the spa you can enjoy a massage or hire the usual beauty and hair care services that you would expect from a 5-star resort. If you must bring your official work with you, Pine club It has a business center with private conference rooms.

The complex, which has some 400 rooms and was completely renovated in 2010, occupies a large walled compound at the western end of Algiers in what for decades has been an exclusive residential area occupied by the city’s elites. You will be amazed at the low costs compared to France or Italy, across the water. A room for two (big enough to sleep three) will cost you around 220 euros or about $ 145 a night per person. Of course, if you want to splurge, you can get an ocean view junior suite with a small sitting area for 330 euros or around $ 215 per person. And if you’ve just robbed a bank and money isn’t an issue, you can occupy the 2,150-square-foot presidential suite (assuming no head of state or movie stars have already booked it!) For 1,300 euros or $ 850 per night. per person. .

If you splurge on the latter, you can expect the best views of the Mediterranean Sea for your money from a series of windows in the large separate bedroom and separate study, dining room, living room, private balcony, private kitchen, with bathroom. big enough for the needs of a small town. Look on the hotel website for current charges and a reservation form.

With interest rates now at historically low levels and the United States economy growing at a strong rate, many business owners have been considering purchasing commercial real estate for their business locations. The benefits and drawbacks of commercial real estate ownership vary from business owner to business owner, but potential buyers should educate themselves on the obvious and sometimes hidden benefits of commercial property ownership. Here are some of the top benefits to ownership compared to leasing a commercial space.

Tax deductions

For many business owners, one of the main benefits of commercial real estate ownership is the tax deductions that can be taken on the interest portion of the monthly business loan payment. These deductions can be substantial, and each business owner should consult a qualified tax specialist about their particular situation.

Equity valuation

On average, commercial real estate will appreciate two to three percent above inflation in the long run. This stock appreciation can result in significant financial gains over a period of decades.

A retirement fund

Many small business owners will not receive a pension when they decide to retire. The equity appreciation in commercial property can be significant. An owner can decide whether to sell their property in retirement, take advantage of capital appreciation, or lease it to another business for a continuous stream of retirement income. In fact, in many situations, a business owner can lease an unused portion of their property, such as a vacant office, before retirement to earn additional income.

Value added to the business

Unlike residential loans, many business loans are assumable. This makes the business and real estate much easier for a buyer to acquire and greatly increases the value of the business.

There are no taxes to pay for your rent

When a business leases its real estate, it must pay the sales tax on the rent paid to the owner. When you own the real estate, there is no rental tax to pay. The savings can be significant.

Easy access to finance

Large fixed rate loans for terms of up to 30 years are now available for owner-occupied commercial properties. In fact, in some cases, with strong finances, a business owner may qualify for a loan of up to 100% of the purchase price of their commercial real estate. Business owners should consult an experienced commercial mortgage advisor before bidding on commercial property.

In addition to the easily tangible benefits described above, the business owner who purchases a property to house his business location will be able to have the satisfaction that only comes with the property and will not make the owner rich.