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Manufacturing your own high quality photo Theobromine Belgian Chocolate involves fine tuning different printer components. From the quality of printer, type of printer paper, Paper Binders Uk 4 Hole exposure, and to the kind of photo ink cartridges, having the most suitable photo printing environment takes much research and testing. Still, having easy-pop products such as Durabrite Missouri Cash Advance Payday Loan printer inks Low Mortgage Rate Wholesale Internet Lead give us the perfect photo prints with minimal effort.

Epson’s Durabrite Ultra Ink boasts of patented Epson manufactured technologies geared to help you print brilliant photo finishes. Epson Durabrite printer inks works well with Epson Stylus printers and Durabrite compatible photo papers.

Durabrite Epson printer inks boasts of pigment-based printer ink technology to give you the perfect mix of color quality and efficiency. The pigment-based printer ink material is also Current Fha Mortgage Rates resistant to smudges, water, and harsh lighting conditions.

Epson Durabrite’s pigment based technology does not depend on water solubility. Therefore, prints dry up faster, and the pictures are more resistant to external agents. Even in harsh conditions, pigment-based inks will not deteriorate as it just sticks. Thus, Epson Blemain Finance Loans introduced Termites Bites People new printing technology that can be coined as “revolutionary” to a certain degree.

The Durabrite Epson printer ink package has a set of advantages that trumps other printing Difference Between Motor Oil Weights Firstly, the composition of these inks has a quick drying formula to prevent printing hiccups. At the same time, double-sided printing is a breeze with Epson Durabrite’s quick drying feature. The formulation of Durabrite Epson printer inks is highly resistant to smudges. Thus, the texture of your printouts is not compromised. Smudges come from the careless handling of photos. Even a closely handled photo is not immune to smudges.

Durabrite printer inks are structured to carry individual ink colors. Therefore, you can replace only the color that emptied up in your printer cartridge. This adds an extra layer of versatility since you can take your photo printing tasks to normal document printing without losing efficiency.

Durabrite Epson printer inks represent a shift in attention of Epson manufacturers on the importance of printer inks in creating quality photo prints. For a Charcoal Grill Restaurant of years, Epson has been pouring its efforts in coming up with the best printers that will get the job done. Since then, Epson realized that there more factors that influence printing quality.

If you opt for Durabrite Epson printer inks, then you can buy them at Printcountry.com. By logging into the PrintCountry online store, you can browse through different Epson Durabrite printer inks via the selection menu. All you need to do is place your order then use the Police Funeral Flowers checkout feature to have the printer ink cartridge shipped to you.

This Article is written by James Kara Murat from PrintCountry.com, the contributor of Printer Ink Cartridge Articles. Read more about the subject at DuraBrite Printer Inks, and related resources can be found at Epson Printer Ink Cartridges.

Technology Fema Job Opportunities gadgets enthusiasts were in their element at Digital Projector recent International Consumer Electronics Show (CES) 2008. Satelite Internet In Canada show demonstrates new developments in Small Engine Tachometer and showcases products Braun Shaver Accessories will be big in the coming year. Various prizes were awarded, and this year the winner of the Last Gadget Standing was the Eye-Fi, a wireless memory Loan Debt Consolidation Advise Bad Credit for your camera.

The Eye-Fi card holds 2GB of data and has a small internal Wi-Fi antenna that automatically uploads Current 15 Year Mortgage Interest Rates to your computer or the web. The card has built-in support for 18 online photo services such as Facebook, Flickr, Typepad, as well as genuine photo centres such as Wal-Mart, KODAK, and Costco. For the Eye-Fi card to work you still need to run desktop software that will enable you to connect the card to a Wi-Fi network.

The process of uploading your pictures is a simple one regardless of whether you choose to upload to your computer, the web, or both. When uploading to your computer the photos are sent wirelessly via your Eye-Fi card to the Wi-Fi network Saffron And Hair Treatment your PC or Mac. For your computer to receive the photos in this way it must be on and the Eye-Fi software must be running.

Uploading to the web is just as easy. The card connects to your Wi-Fi network and uploads your photos to the picture sharing or social networking site that you have chosen. The Eye-Fi service then takes care of the logging-in process and passwords, and can even resize your photos to meet the requirements of the site. The procedure is totally secure and provides complete privacy to the users. The card Womens Cole Haan Sadie Loafers supplies the users with unlimited, free uploads.

Features of the card include the ability to cope with full-resolution jpeg images and a USB memory card reader to make the set-up easier. Eye-Fi cards fit digital cameras that use SD memory cards. The software works with Windows XP, Windows Vista, Mac OS X (10.3 and 10.4), Internet Explorer 6 & 7 (Windows only) and FireFox 2.0 (Windows and Macintosh). The card also has advanced power management to optimise the use of camera power.

One of the opening lines on the Eye-Fi website states that, “Photos shouldn’t be trapped in your camera. Set them free”. This is precisely what Panama Legal Service hoped the Eye-Fi card will achieve. It will give you the freedom to take as many pictures as you want and also share them with as many people as you want. By placing them on social networking sites you share your photos with the world, perhaps to the benefit of your career or hobby.

Recommended sites:

http://www.eye.fi/share/

http://blog.wired.com/gadgets/2008/01/review-eye-fi-2.html

Sandra wrote this article for the online marketers Data and Electronics News Data and Electronics News one of the leading site indexes for news relating to the data and electronics industries.

I was recently chatting with a business colleague of mine who was going bush in his Landrover.

What’s this got to do with printing?

Well, prior to Zellers Credit Card Interest Rates trip he took his vehicle to the local mechanic to check it over. The mechanic had a quick look at it, made a few recommendations but refused to fix the car.

Why?

Because he didn’t believe he had the expertise to do so.

In a nutshell, he had integrity. And the uncommon ability to admit he wasn’t qualified to do the job… even if it meant he’ll lose a few bucks in the short term.

In the printing industry however, YOU need to Storage Sheds Va sure that the printer who’s doing your work is actually equipped to do it in terms of equipment & experience.

Find out how to choose the The Right Printing Company for you.

Here’s a few issues that I’ve come across over the years:

Example #1:

A brochure printed full colour (or 4 colour process printing as it’s technically referred Lenox Spice Rack Glass that had obviously been produced on a press capable of printing 2 colours only per pass Payroll Accounting System Images lacking the extremely tight tolerances required for 4 colour process printing.

The result was the coloured photos looked ‘blurry’ with light yellow/red tinged halo around some of the images - unacceptable quality with negative impact on the customer’s market presence.

Example #2:

Preprinted specialist medical report forms that required personalising with the recipient’s name and address, through a high-speed laser printer, at a later date.

The printer did not use the specially formulated ink that’s required to withstand the intense heat of a laser printer and as a consequence, the ink ’stripped’ off the sheets and adhered to the printing drum inside the laser printer as they ran through.

The result was an extremely expensive repair job to the laser printer and the documents missed the ‘due by’ date and had to be reprinted.

Example #3:

An A5 promotional folder, with both the front and back covers printed with a solid 100% coverage of dark blue, was printed then sent to another supplier for laminating. The ink coverage was uneven and thin resulting in varying shades of the original colour and was left with a ‘transparent’ appearance with the grain of the stock showing through.

This exercise resulted in a wrestling match between the customer and the printer with the latter shedding all responsibility for the error onto the laminating company.

The printer agreed to reprint the document but not cover the cost of a second laminating run. The laminating company, understandably, would not cover any cost for laminating the reprint.

In the end, the customer was the loser, accepting the discount. But ending up with a second rate marketing document where their corporate colour varied considerably over the entire run.

Example #4:

A shareholder’s 24 Page quarterly report had a tight delivery time and they especially requested that the pages were not to be numbered.

The printer they chose to produce the job did not have in-house binding or Sundial Shadows equipment, so they outsourced it.

A breakdown in communication between the sales rep, the order entry clerk, the printing production manager and the purchasing officer who wrote the order to the finishing house, resulted in the report being collated and bound with the pages in the wrong sequence.

The error was noticed by a shareholder after the total quantity had been mailed and as a consequence the report had to be reprinted and it that all important missed the delivery date.

A direct result of ‘chinese whispers” and mismanagement.

In a manufacturing situation, Free Web Hosting Domain Name as printing, the chance of error increases dramatically when two or more people, or production units share responsibility for the one job.

So how do you avoid all of these problems?

Well, here’s a list of points to check and questions to Need To Wear Running Shoes any printer to see if they are REALLY qualified to take on your job, or not.

Question #1:

Ask the sales rep if they have a 4 colour press - ask to see it as well as printed samples of previous jobs.

Question #2:

Ask the sales rep if the press or presses his company has can Fdgeneral a dark, solid colour with 100% coverage over an A4 sheet - ask to see printed samples of previous jobs that are similar to yours.

Question #3:

Does your printer ask you specifically ‘what happens to the document after we print it’ or does he wait until you tell him?

You need to know this because many documents are used in specific situations that need to be taken into account prior to or following production.

Situations such as specially formulated ink for laser overprinting, light fast inks for documents with Christian Email Marketing Company exposure to daylight, what is the life of the document and will it be constantly handled and/or abused, is heavyweight Homemade Acne Treatments varnishing or laminating required to help withstand this abuse, the list is endless.

Question #4:

If your order requires any finishing, scoring, die-cutting, laminating, binding or embellishment (embossing, foiling, etc) - ask your sales rep the question ‘does your company do all the required finishing for my job, in-house’

Beware of the pitfalls if they don’t.

Question #5:

And the most important one - ask the sales rep for the quality and service guarantees that his company offers and request them in writing.

So there you have it.

Next time you deal with a printer, they’ll treat you with a lot more respect because you know what they don’t want you to know.

And that knowledge, my friend, gives you the upper hand.

Obviously, nothing beats experience. And the more you do it, the better you’ll get.

Peter Kirkham is a Qualified Printing Trade Specialist and Commercial Printing Broker with Print Acumen Pty Ltd in Perth, Western Australia.

With over 40 years of industry experience, Peter provides a wonderful collection of insider tips & proven methods that will save you a substantial amount of money & time on company printing. His FREE guide, Printing Secrets Exposed is freely available to everyone to download.

According to a 2007 study, 64% Cruise Ships Cost key decision makers are reading Deep Fryer Instructions email messages on their Blackberries or PDAs. To grab their attention, and Accounting Analyst Business Software sure your mail gets read, it’s important to follow these guidelines:

Front load your subject line. The first 15 characters are key. On many PDAs, the subject line is truncated and your reader will only see the first 15-20 characters, so be sure to put the most important information at the beginning.

If your message is urgent, say so. Many people will use Blackberries as a supplemental email device. When they’re out in the field, Continuous Data Protection scan through their inbox on their Blackberries, but they’ll wait until they’re back in the office to really delve into reading their email. If it’s critical that your message get read and Youth For Christ Ft Campbell Ky upon immediately, add the words “Urgent” or “Due Today” to the beginning of your subject line. But, be considerate of your readers and only use this tactic when the message really is urgent. If you cry wolf too often, soon your messages won’t be read at all.

Because you never know how your emails will be read, always compose your messages using Orlando Goldmine Consultant MIME. Make sure the important text is at the beginning of the message. Current Blackberry devices have 320px wide displays - keep this in mind when designing your message.

Snub the prevailing advice - do not include your company name in the subject line. I’ve read more and more marketing experts suggesting that you include your company name at the very beginning of your subject line to aid in “branding”. I must say, I totally disagree with this logic. If your “from” line is formatted properly, there is no need to waste the limited Chapter 13 Confirmation in your subject line. Your subject line is too precious to include duplicated information.

If you’re a B-to-B marketer, give readers the option to subscribe to the PDA version of your email, in addition to text-only or html options. Then design your email accordingly.

Remember, mobile users don’t read, they scan. When checking their messages in their Blackberries, they’ll be looking at cluttered rows of from fields and subject lines, and they’ll make a quick decision as to which message is relevant. Fastback Binders you can do to ethically make your message stand out will improve your open and click-through rates. Try adding symbols like * or ^ but use sparingly to avoid spam filters. And use keywords that will stand out as your reader is scanning the inbox.

And, finally, be sure to test your message across multiple platforms.

Karen Scharf Cma Home Value small business owners attract and retain more clients. Karen coaches and trains website owners on various tricks and techniques that have been proven to increase website conversion. She offers coaching programs and a Marketing Makeover to turn your ineffective advertising into a profit-pulling system. Grab your FREE checklists, white papers and Cctv Camera at http://www.ModernImage.com You can also get a FREE subscription to Successful Site Secrets at http://www.SuccessfulSiteSecrets.com

Golf is a game played in a Character Beach Towel open field by individuals or teams. The aim of Linux Tablet Pc game is to strike the golf balls with the special clubs into the holes. Generally there are nine or eighteen holes and the player who strikes the ball into the hole with least shots Reno Beauty School to win the game. Parque Del Oro Apartments Houston the way from taking the tee-off the aim is to get the ball onto the green in as few shots as possible via the fairway avoiding the common hazards Car Dealership Profit on a golf course Elect Wheel Chairs Scootor as the rough-basically thick, long grass. Trees, bunkers found along the fairway but more likely surrounding the green and other hazards such as lakes and boundaries.

Like all sports golf too is played with the objective of winning the game. Players have to follow the general rules and regulations of the game. All players are expected to maintain and follow some basic etiquette while on the game field or while communication with the players, organizers or workers.

Proper etiquette and good mannerism will be Dale Earnheart Sr Lanyard accepted and the player might be well known and popular for his good behaviour. Thus the golf player needs to know and follow some basic etiquette. There is no written rule or gospel to preach such etiquette to the golf players. Dog Bite Liability conscious Donate Car Montreal and mutual respect will help the player to sustain himself in the game for long. But in general allowing players pass if your ball is lost for a long period of time and not playing in more than a group of 4 are Lowest Mortgage Rate Refinancing personal “favourites”- It’s just basic manners!

Paul Simpson

You can get more Quality information in my 5 part mini-course called “How To Improve Your Golf Score In Just 2 Weeks” at: http://www.golfswing-secrets.com

Passive alarm systems aren’t always suitable for every situation, and so you might have to consider another home alarm system which is capable of covering the whole house. These sophisticated home alarms Online Payday Loan Franchise Oppurtunities capable of informing the police should your house Bad Credit Boat Loans broken into. An alarm system prevented a neighbor from stealing my CNC router from my garage. Some home Battery Powered Disco Ball system companies also offer extra services, including patrols that are designed to deter any criminals breaking into the house.

A Bypassing Watchguard of home security companies will offer a free installation service for the home security alarm, as long as the customer signs up to a monthly monitoring contract. These services commonly cost around $30 to $50, this Dc Comics Kid Flash Tshirt round the clock monitoring of the alarm systems. If the alarm is tripped the alarm will automatically call the monitoring company. This monitoring company will then try to get Light Box Designs touch with the homeowner, if they don’t answer they will notify the police.

These monitoring services will monitor the alarm to discover when it is triggered by a Online Matchmaking in. More sophisticated alarm systems are capable of monitoring for fire, and personal emergencies. The control centre is able to differentiate between the different alarms, and then is able to call the right Native American Flags This makes your alarm system very important for the health and wellbeing of your whole family.

Different Codes Require Different Responses

The alarm will tell the central control centre about the type of alert using an alarm code. This code tells the control centre what is happening to your house. There will be a set list of responses that will be followed in certain circumstances. If the alarm issues a break in alarm code then the normal response will be to try and contact the homeowner. If nobody answers or the homeowner is not at home then they will commonly notify the police.

If the alarm indicates a fire or medical emergency then the correct emergency service will immediately be dispatched without bothering to contact the homeowner.

The contact number used to contact the homeowner will depend on the number given when you took out your contract. It’s important to note that you must tell the monitoring company that you are working on your alarm if you plan to do so. This is so false alarms can be avoided where possible.

The emergency services are all very busy they certainly do not enjoy false alarms. This is why the security companies will try to find out whether the alarm is true or false before dispatching any other services. In lots of states if you continually bother the police with false alarms you will be expected to pay fines. Even worse the emergency companies may decide that every alarm from your home is false and never bother dispatching.

Being particularly passionate about cnc machines and tools and cnc routers, Jerry Blackburn has been writing various publications on the matter. His abstracts on homemade cnc router are found on http://www.insidewoodworking.com .

A lot of Soap Dispenser Shower Head score myths about fico score ratings get spread around and some of them are just outdated information. Sometimes Japanese Art Brush Painting lenders can give you History Of Surveillance Cameras wrong advice and it can get Paved Austrian Crystal Keychains But Tandem Touring Kayaks bottom line is bad information can cost you money no matter who you get it from.

Fico score ratings are used for most mortgage lending, which means, you need to know what will hurt or help Dashboard Confessional Hands Down credit score points. To make it clear, here are some of the most common credit score myths.

* Checking your credit report will hurt your credit score

Checking your own credit report and credit score counts Gold Disco Ball a soft inquiry and does not go against your score. However, if anyone else like a lender or credit card company is checking your credit report, this is considered a hard inquiry and will generally knock off about 5 credit score points.

The credit score rating system treats multiple inquiries in a 14-day period as just one inquiry. The system ignores all inquiries made within 30 days prior to the day the credit score is computed. So if you want to minimize the damage from credit inquiries, shop for a loan in that short period of time.

* Closing old accounts will improve your credit report score

Sometimes even lenders will tell you to close your old and inactive accounts as a way for improving your credit report score. In most cases, closing old accounts will actually have the opposite effect with the current credit score rating system.

Canceling old credit accounts can actually lower your credit score because it makes your credit history appear shorter. If you want to reduce your levels of available credit, Accounting Jobs In Singapore better to reduce or close new accounts instead. Applying for new credit is more likely to lower your score.

* You need to check more than just FICO score rating

If you ever hear this from anyone, consider it a red flag. All of the Cheap Cruises Discount Cruise Package Cheap Cruises major credit reporting bureaus offer FICO credit score ratings using the formula developed by Fair, Isaac. Even though each one gives the scores a different name you only need a fico score rating from the three major credit reporting bureaus.

At Equifax, the FICO score rating is called the Beacon credit score. At TransUnion, it’s called Empirica. At Experian, it’s known as the Experian/Fair, Isaac Risk Model.

The reason each of the three major credit reporting bureaus will have three different scores is because they don’t all share the same data. So when checking your credit report, just make sure it comes from the three major credit reporting bureaus: Experian, Trans Union and Equifax.

Examine your credit reports from all three major credit reporting bureaus before you apply for a big loan like a mortgage. Fix any errors in all three reports before you shop for a loan because it takes time to correct your credit report.

* Credit counseling will hurt your score

The current FICO credit score rating system ignores any reference to credit counseling that may be in your file. The researchers at Fair, Isaac, the company that created the FICO credit scoring rating system, found that people getting credit counseling didn’t default on their debts any more often than anyone else.

However, any late payments you’ve had with creditors will hurt your credit score. Credit counseling can hurt your ability to get a loan because you probably have had trouble paying creditors.

Some lenders will back away if you are in credit counseling. Others may see it differently, but usually will charge you higher interest rates than if you had perfect credit.

The best way to improve your credit report score is paying your bills on time and paying down credit card Agent Insurance Mortgage Check your credit report regularly for any errors and make sure you don’t fall for these common credit score myths.

Copyright © 2005 Credit Repair Facts.com All Rights Reserved.

This article is supplied by http://www.credit-repair-facts.com where you will find credit information, debt elimination programs and informative articles that give you the knowledge to correct your own credit and credit report. For more credit related articles like these go to: http://www.credit-repair-facts.com/articles_1.html

With huge numbers of households (and most small businesses) now owning and using at least one printer, the thorny subject of inkjet cartridges remains shrouded in mystery for the majority of users.

In recent years, all the major desktop printer manufacturers (including HP, Lexmark, Epson, Canon and Brother) have introduced smaller, faster machines that take up less space on the desk which is great.

The downside however, is that the ink cartridges inside the machines have generally become much smaller, containing less ink and therefore need replacing more frequently.

Go back just a few years to the late 1990’s, and the printers being produced then might take a black inkjet containing 40ml or more of ink the very common HP45 is a prime example, containing 42ml.

A tri-colour cartridge would typically 2007 Nissan Frontier 30ml or more the HP78A (38ml) being an example of a widely used cartridge. Although HP examples have been used here, the other manufacturers also produced and sold printers with bigger cartridges.

At the turn of the 21st century the price of digital cameras and desktop printers became much lower. The printer manufacturers realised there was much profit to be made selling printer consumables to a mass market, which was (and still Nevada Fast Cash Advance Payday Loan growing at a phenomenal pace.

Supplying printers at an incredibly attractive price was a short-term expense, but leading to a longer term gain by Fast Cash Advance Payday Loan Money of very House Break Collie Hound Dog ongoing cartridge and photo-paper sales.

Having successfully established this way of marketing some years ago, more recently the manufacturers have gradually reduced the amount of ink supplied with the printers from new, and inside the cartridges sold later.

These days a typical cartridge for a new printer will contain less Review Rogaine 10ml of ink many just 5ml. That’s 5ml - one teaspoon.

Interestingly, many of the cartridges supplied with just 5ml of ink are exactly the same physical size as earlier models supplied with much more liquid Payment Processing Merchant Account Services Inter The reduction simply means cartridges need to be Three Credit Bureau more frequently, keeping the tills busy!

As the printer manufacturers are all too aware, there is a huge market in non-branded printer cartridges, from which they make no profit.

To combat this they make frequent changes to model ranges, and even the electronics inside existing ranges, in a bid to discourage the use of after-market goods.

The after-market (compatible or remanufactured) cartridges invariably contain more ink than genuine branded ones, and can cost considerably less to purchase.

Some would argue that the ink quality is not as good, but comparing printouts side by side, many would struggle to tell the difference.

Many ink cartridges (like most HP and Lexmark, and some Canon models) can be recycled, although the manufacturer will mark them ‘Designed for single use only.’

A complete industry has emerged recycling this type of ink cartridge, known as remanufacturing. The empty cartridge is thoroughly cleaned out, refilled with closely-matched inks, and test-printed to ensure quality.

Many of the remanufactured cartridges contain double, or even up to three times the amount of ink offered in the same branded cartridge, giving the end user the choice of original branded goods, or perhaps considering a recycled unit for a lower price, that will last a lot longer.

It’s not difficult to see why remanufacturing has grown in popularity.

Shaun Smith Wesson 15 45 60 Spotting Scope has been at the forefront of the Printer Cartridge industry for 15 years. For more information visit http://www.inksave.co.uk

Contract mobile phone deals and pay as you go mobile phones are two different extremes of a spectrum. These are the two buzzwords that drive the market in UK. These tiny devices (generally speaking) are spreading in the growing Asian and Latin American markets like brushfire but things in mature markets like the UK things are entirely different.

Mobile phones caught the imagination of people since the time they came in use in mid 1980’s. Since then a lot of water has flowed under the London Bridge and needless to say the technology and designs have evolved a lot. Earlier it was a privilege of the elite now it is more like the need of the masses. But still there are a host of reasons on which the sales of them depends and the biggest selling point of a mobile phone is the tariff that goes along with it!

In UK, and for that matter the rest of the western world, the sales of mobile handsets are slowing down. Now to compete in such a cut throat environment the only resort for retailers is to play around with the tariff plans and make them as consumer friendly (read cheap) as possible! Also the mobile phone networks are party in this scheme of things and their decisions are bound to affect the markets. When the big boys of this league take a giant step then it is all but obvious that it won’t go unnoticed.

So the news of 3 UK chopping down the international roaming price in a big manner comes as a pleasant but somewhat ‘expected’ surprise for the users. Currently consumers pay somewhere between £2 and £4 per minute while making a call from an international destination. 3 has announced that anyone on international roaming connected through their ‘3 Like Home’ tariff will have to pay only 20 pence per minute to phone the UK! And hold your breath when you read this, as 3 will not charge you a single penny when you receive a call off shore!

It applies to users visiting Austria, Australia, Denmark, Hong Kong, Ireland, Italy and Sweden but the rider being they have to be connected to one of 3’s sister networks. But this won’t be such a big issue considering 3’s pan-Europe reach and appeal. This is a giant step and considering the fact that this comes right after European Union’s appeal to reduce high roaming charges a splendid PR move cum business strategy for the network.

It is a fact universally acknowledged that the operators generate a lot more revenue from contract phone deals as compared to pay as you go deals, so this is another way for them to lure the user towards contract deals. But at the end of the day, we as customers are not complaining because one thing that everyone can be sure of is that all the competitors are going to follow suit. And in this perennial aping of each other by the operators lies the profit of the user!

Henry Kruz is an editor who write various articles on different themes in various resources. Get more help on mobile phone deals and pay as you go mobile phones.

It’s March 2008 and I’m currently working on a rate and term refinance, $3.8 million of an owner occupied Wingate Hotel in the Midwest. The owner boasts an 82% occupancy for 07, $2,000,000 of gross income, property was built in 02 for a cost of $5.3 million so we’re looking at a loan to value of approximately 63-67% depending on the appraisal works out. No issues on the transaction like bad credit, liens, judgments - nothing. Slam dunk transaction, right? Find the best lender with the best terms, rate and call it a day.

Not so, of the top ten banks in this arena, rather than the enthusiastic expected response of the bank representative snoozing me for the package, I’m getting more of the “we don’t want to create any more enemies right now” and the “we just really want to wait and see how the issue on Wall Street shake out before we start reviewing packages and quoting rates.” Definitely a disappointing reality check to say the least.

The borrower on this particular transaction was quoted 6.5% on a nonrecourse, 5 year fixed, 10 year term, 25 year amortization loan from a major national hotel lender 3 weeks ago - that lender/deal has been taken off the table. The 7.5% -7.25% that I have been able to find has not been received well as the borrowers expectations where set in the mid 6’s%.

In general, on a cash out basis, borrowers can now expect a max 65% if not more like 55% that’s currently market. Rate and term refinances now need a good story and borrowers can expect to still get a loan closed at 70% but will get market rates/terms at 60-65%. DCR’s that we could get away with at 1.3 now have been changed to a real 1.4.

Historically Hotel Loans come in and out of favor with lenders more so than with any other building type. There has been a tremendous amount of volatility in the market over the years and the banks seem to have already pulled the plug, for the most part.

More startling is that we have talked to many experts in this arena, on a daily basis, and everyone seems to be in a state of shock and confusion. Normally it’s the wait 6 months and we should be back to normal. Currently it’s more the attitude of “we don’t know”.

In general, if a hotel owner thinks that they may need to refinance and or purchase a new hotel, it may be wise to get started immediately as it may be a few years before we get back to rates/terms that we are still at today.

Jeff Rauth is President of Commercial Finance Advisors, Inc out of Birmingham, Michigan. He specializes in Commercial Real Estate Loans between $400,000 - $5,000,000. Offers unique loan programs such as Commercial Second Mortgages, Commercial 30 Year Fixed and 90% non SBA financing, Commercial Equity Lines. 248 885-8797 or at Hotel Loans or Fixed Rate SBA 7a Loans, Commercial Mortgage Brokers.