Safe Investments in Commercial Real Estate: NNN Properties

Commercial Real Estate Investing can be one of the most profitable and safe investment mediums available for those who know what they are doing. It can also be fraught with perils and expenses that can be very unsettling for a new investor who does not understand the intricacies of the market. Most Commercial Real Estate investments are very hands on investments that require constant work, attention and maintenance to maintain the value of the investments. Whether it’s a Multifamily Apartment Complex, an Office Building, a Hotel or a Retail Shopping Center, all of these asset types share one thing in common, a lot of work and a lot of risk! For those who buy low and sell high, these types of deals can be some of the profitable investments on the planet.

Let’s get away from risk however. What if you could find a safe, stable, very profitable and long term investment medium that avoids almost all of the risk and headache typically associated with owning these assets while never having to worry about the property or collecting your rent on time? Welcome to the world of Net Leased Properties, also referred to as Triple Net or NNN Properties.

What is a net leased property?

A net leased property is typically a free standing building with a credit worthy tenant such as CVS, Walgreens, Starbucks, McDonalds, Bank of America, Dollar General, AutoZone etc. who are on a long term corporate lease of usually 10-20 years plus options to extend the lease out for up to another 10-50 years. Because of a desire to maintain liquidity, most of these companies do not actually buy the buildings they occupy, rather they lease them and in doing so, sign a corporate guarantee insuring that the tenant cannot just walk away from a lease if they no longer like the property. On top of that, the tenant is responsible for often complete and total maintenance and care for the property, the building and everything associated with it.

What does this mean to you as an investor?

This means that an investor can have a safe, stable, long term and highly profitable investment that is backed by the strongest companies in the United States and abroad. In other words, the investor receives a check on time every month and just about never has to worry about the condition their property is in… because the tenant does all the work!

What kind of return can a client get for their money?

The average rate of return on assets such as these can range anywhere from around 4.5% and up to 8% or higher. But wait, it gets better! These tenants have increases in rent either annually or every 5 years which means that an investors income goes up every time the rent goes up. When you take into account the present low interest rate, through leverage, i.e. a mortgage, an investor can boost their return even higher up to 10% or greater. So… you have a safe, long term, credit worthy investment that makes you more money the longer you own it with little to no upkeep or maintenance required on your part. This is what retirement is supposed to be!

Who are these investments ideal for?

First time investors, passive investors, retirees and companies looking to ensure long term economic viability while minimizing risk. These are excellent investments for those looking to simplify their life while still owning significant real estate and receiving a high rate of return on their money. There are also many large companies such as Prudential, Blackstone, Acadia Realty, Cole Real Estate Investments, Inland, Equity One, General Growth Properties and JP Morgan who utilize Single Tenant Net Lease properties as a significant part of their investment strategies and these are multibillion dollar companies.

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Compare Car Insurance Premiums – What’s the Best Method?

There are a variety of methods that people use to compare car insurance premiums, but the truth is that they are not all equally effective. We will be evaluating the methods that are more commonly used to compare auto insurance quotes, and which may be the best choice for you. There are more choices today than ever thanks to the internet, so we’ll also consider that method.

Using an insurance broker. Auto brokers will always offer a good way for you to compare auto insurance premiums. That’s because brokers use the latest software, and often have relationships with the best auto insurance companies to get you the rates you need. Insurance brokers are paid by the insurance company, so it’s in their best interest to find you deals with companies that are offering low rates. One drawback however, is that the insurance agent may be biased in signing you up with one of the insurance companies they have a better relationship with.

Calling insurance companies. You can always cold-call local auto insurance agents that work for specific insurance companies to see what they can offer you. The difference between them and regular agents is that they work specifically for one insurer, which means that they may be limited in what they can offer you. Still, it never hurts to call and ask.

Using online insurance forms. Shopping for auto insurance online is one of the fastest and most convenient ways for you to compare car insurance premiums. In only a few seconds, you can fill out an online insurance form and will be provided with several insurance quote options. When you choose a company, you will then supply your information and be contacted by a representative agent. This is most likely the best option for your insurance comparison needs.

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Home Finance Basics

Buying a first home represents the major financial landmark in your life. With homeownership, you take on the single largest investment you’ll ever make, with all the advantages – and risks – such an investment requires. Understanding home finance can be somewhat confusing, as there is a wealth of information available, and no shortage of companies eager to provide mortgage-related services. How do you weed out the good advice and make an informed decision? Simple: start with the basics of home finance.

Are you ready?

First, evaluate your economic situation. Are you carrying substantial unsecured debt, such as credit cards and student loans? Do you have a steady income and the means to survive an interruption in that income, if necessary? Are you willing to pare down your spending, in order to maintain mortgage payments and, most likely, additional home finance expenses like Private Mortgage Insurance (PMI)? These are major considerations when deciding whether or not to trade the relative simplicity of renting a home for the financial responsibility of ownership.

How much can you afford?

Next, run the numbers. Use an mortgage calculators to determine how buying a home will impact your budget. The government says that housing costs are excessive if they surpass 30% of your household income. Home finance means borrowing a substantial sum from a lender and repaying that amount over a period of time, with interest. Depending on the price of the home and the amount that you borrow, you will probably experience a dramatic rise in the amount you’re spending, just to put a roof over your head. Be sure that you are realistic about the amount of “home” you can handle financially.

Where should you buy?

You’ve heard it before: the three most important considerations when buying a home are “location, location, and location.” Actually, there are plenty of other considerations (see above), but deciding where to buy is nearly as crucial as deciding which home finance loan to choose. Spend time checking homes online, before you venture out. You’ll have a good idea of price values, amenities, and neighborhoods, which saves time when the actual house hunting begins.

What are your mortgage options?

The selection of home finance options for first-time buyers is astonishing. From zero-interest mortgages to the traditional 30-year fixed rate loan, you’ll find a vast array of terms, rates, and other choices. Once you’ve done some homework and determined how much you can afford, it’s time to go mortgage shopping. Speaking with a lending expert can save you plenty of time, but you should be prepared to ask questions of your own. After you identify a couple of affordable home finance options, try running the numbers again, this time with the exact loan, term, and rate amounts. Be sure to include costs such as PMI, points, bank fees, and any additional charges involved with closing your loan. You don’t want to encounter any financial surprises at the end of your home buying odyssey.

You’ve mastered the basics. With preparation, practicality, and a little luck, you can join the ranks of homeowners who have steered through the home finance process successfully, and settle into your personal oasis with pride. For help along the way, contact the mortgage experts at, who can explain the process fully and help you evaluate all your options, at no obligation.

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Improve Your Small Business Marketing to Increase Your Profits

Marketing Tips to Help Drive Profits and Stay Competitive

Although we call them “small” businesses, running a small business is no small task. Compared to larger corporations, small business have a much smaller margin for error when it comes to marketing initiatives – when a marketing campaign fails, larger corporations shake their heads, make adjustments, and move on but for small businesses, a big failure could mean the end of the company. Here are some great marketing tips to help your marketing efforts stay effective and your business stay competitive.

Better Use of Data

Data about your target audience is invaluable to small businesses. This kind of information allows business owners and marketers to identify the types of people who are most likely to do business with them and purchase their products and/or services. Knowing your target audience can also help you to better tailor and focus your marketing messages to those types of consumers. If it is in the budget, hiring a professional data team can really help a small business make the most out of this information.

Use Email More Effectively

Email can be a powerful tool when it comes to communicating with your current customers. Emails are a great opportunity to connect with customers and provide them information on upgrades, cross-selling opportunities, and additional sales or deals your business may be offering. Using email is a great, non-evasive way to stay connected to those consumers who already know your business and your brand. You can even take email marketing a step further by breaking down your contact list into groups by segments such as purchase history, age group, geographical area, and other important data points.

Use Shareable Content to Expand Your Reach

Consumers love to share, and social media has made it easier than ever for consumers to share things they like or dislike online. Known as “content marketing,” creating online content that is informative and meaningful to your target audience is a great way to reach more consumers and raise more recognition around your business and your brand. This information is most effective when posted on your company’s website but can also be shared on sites like YouTube and Facebook for easier access.

Consider Paid Search to Increase Visibility

Driving traffic to your website is always an important part of marketing your business. One way to do this is to use a paid search to ensure your business’ website will appear when consumers search the types of products or services you offer. For example, should a consumer search “pet groomers in Harrisburg, PA” and you own a pet grooming business in or around that area, your business’s website will appear at the very top of the search results. The closer your businesses website link appears to the top of the search results, the more likely it is that consumers will follow that link to your site.

Use Your Resources

Aside from in-house marketing, there are a number of resources available to help small businesses. For example, the United States Small Business Administration can offer business owners loans, counseling sessions, contracts, and other forms of assistance to help cultivate and grow their business. Consider other resources as well including Google Tools for website assistance and online marketing, Kabbage for small business loans, and Free Stock Images for high quality images for your marketing materials.

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