Graphic Designing – Sell Your Skills to Become Rich | graphic multimedia

Despite being a rare skill, nowadays you will not find it hard to come across a graphic designer. In fact, wherever you go you meet a few, and this fact indicates that graphic designing is very popular, and that many people are using these skills successfully to earn money.Graphic Designing can be simply defined as the art of conveying a message or information through visuals and graphics. This is a field which involves immense creativity and an active imagination, so that the designer can convey a unique and touching message through typography. Some of the skills which are the pride of every graphic designer are visual arts, creating layouts of WebPages and playing with the typography to create dynamic images. Like any kind of designing, graphic designers also use their skills to create a design to transfer a message across the people, while this finished product is in itself a remarkable design.Evolution of Tools in Graphic Designing:The biggest and most handy tool that graphic designers have been relying from the beginning is a creative and imaginative mind through which original ideas can be generated. Having a clear mindset allows a graphic designer to work more efficiently and come up with a better finished product. Those designers, who just follow the instructions given to them, do not deserve to be called the creators of that design.The choice of the right materials and tools in graphic designing also influence the quality of designs you produce. Through the employment of conventional as well as modern digital tools for the purpose of editing, you can ensure that you convey the right message in the most effective manner.During 1980s, desktop publishing has streamed in the use of graphic design software applications. Introduction of these digital tools, new designers found it a lot easier to create and edit 3-D images, which enhanced their abilities in graphic designing. Computers eased the designers in recognizing the effects made by typographic editing, without needing any ink, whereas they could produce several copies of their works without needing any physical space to store them. Even in the present day, the conventional tools of designing like pencil are being used to draw out the initial sketch, but the final output is being produced on the computer.In general most designers believe that use of computers has given a new dimension to graphic designing, and prefer its use over the old tools. But despite all the advantages of computer designing, some continue to employ the traditional designing tools.Scope for graphic designers:The need for a graphic designer is felt, when a message containing images and texts has to be presented in a colorful and attractive manner. Modern design tools through the use of computers have introduced the WHAT-YOU-SEE-IS-WHAT-YOU-GET or WYSIWYG approach or Multimedia, in which users get to see the end product during its creation. Whenever, there is a need to convey a message through visuals, creativity turns our attention to adding graphics which can enhance the effects on the audience.In the Internet:The scope for graphic designers in the internet is so vast that it cannot be described in words. The primary use of graphics is done in creation of websites, and as more and more companies are opening their online businesses through their websites, web developers and graphic designers join hands to create stylish but complex website designs according to the specifications of the client.In the business sector:As businesses have turned their attention towards the online market, nowadays, the skills of a graphic designers and a web developer are being sought out in one individual. This overlapping of skills has given rise to some controversy as many are of the view that this is not a healthy trend.Undoubtedly, this has given employment to thousands if not more, but it has also flooded the market with web developers who know little about graphic designing.One fundamental which every graphic designer should realize is that there is no point in entering the designing field, unless he has the aesthetics and the talent to create unique and original ideas. Giving importance to the technical aspects, rather than the artistic perspective is not the right approach. Graphic designing is a wide arena, and unless a designer combats with every challenge he faces, he is not an expert. Therefore, to achieve success a designer must look to improve continuously and go deeper into this field.In the field of advertising:As the basic theme behind designing is to present a message in a more attractive manner; therefore, its uses in the advertising field are immense. Through the proper use of colors and images, a graphic designer gives a separate identity to a product or a company. This skill is known as branding, which is one of the most important services offered by a graphic designer.

An Automatic Pet Door Adds Safety For Your Dog Or Cat and Peace of Mind For You | Pets

An automatic pet door is created to give freedom not only to your pet but also to you as a home owner. Basically, an automatic pet door is designed differently for different pets. Take note that when talking about pets, they do not refer only to dogs but as well as cat and other animals. What is great about an automatic door is that it decreases the workload of most dog or cat owners of opening the door to let their pets in and out of their homes. Moreover, they also eliminate the chance for burglars and other unwarranted animals to enter your home.This particular type of dog or cat door works by relying on sensors that are found on the matching collar of the pet. Once the pet is near the door, either it is outside or inside the house, the sensor in the door senses the collar and unlocks the door immediately so that the pet can enter in and out of the house freely. What is great about this type of sensor is that they do react quickly to the sensor thus there is no lag time that may cause accidents to your incoming or outgoing dog or cat.There are a lot of automatic brands that you can choose for your pet. However, when choosing one, you need to make sure that you choose only the best quality brands. By doing so, you will ensure that the this device will work properly for you and your animal. Here are the best brands that you can buy for your dog or cat.Ideal Pet Doors:Ideal doors are very versatile when it comes to the different types of devices that they make. This means that they have doors dedicated solely for your pet cats and dogs, and that they understand the different needs of those animals. What is great about Ideal is that they have devices for virtually any type of design. Ideal doors are also known for their durability.Petsafe Pet Door:If you are looking for doors that have a lot of variations when it comes to style, then you can always choose the Petsafe door. They are made from durable materials and can support any kind of pet that you have. Petsafe Doors has units that are made from very durable materials. With the Petsafe door, you are sure to find a particular door that can fit the preferences of your pets.Plexidor Pet Doors:There are a lot of dog and cat doors sold in the market already but what does Plexidor doors have that other brands do not have? The answer is higher level of convenience. What makes the Plexidor products extra convenient is that they are very quiet and does not creak at all. Thus, with the Plexidor door, you will not be disturbed with your sleep especially when your pet enters your home at night time. Moreover, the Plexidor doors also have different designs that you can choose from.Power Pet Door:Power Pet devices are motorized pet doors that allow your pet to enter your home in and out without the fuzz at all. The Power Pet unit is just an ordinary pet door that works together with a sensor to detect your incoming pet. However, what makes the Power Pet Door better is that it has added extra features such as the safety retract system which automatically locks in the door once your pet enters your home. Thus, if you are looking for a door with added safety features, then it has to be the one from Power Pet.Solo Pet Door:The Solo door is constructed from high-grade quality materials. Since this is the case, you will expect that the Solo Pet Door to cost more than other pet doors. Although this may be the case, the Solo dog or cat door is still the perfect choice for you and your pet. On the other hand, this door uses a magnet as a sensor thus it can detect your dog without any falter caused by the changing weather.

10 Things Every Buyer Needs – To Close A Commercial Real Estate Loan | Real estate

For nearly 30 years, I have represented borrowers and lenders in commercial real estate transactions. During this time it has become apparent that many Buyers do not have a clear understanding of what is required to document a commercial real estate loan. Unless the basics are understood, the likelihood of success in closing a commercial real estate transaction is greatly reduced.Throughout the process of negotiating the sale contract, all parties must keep their eye on what the Buyer’s lender will reasonably require as a condition to financing the purchase. This may not be what the parties want to focus on, but if this aspect of the transaction is ignored, the deal may not close at all.Sellers and their agents often express the attitude that the Buyer’s financing is the Buyer’s problem, not theirs. Perhaps, but facilitating Buyer’s financing should certainly be of interest to Sellers. How many sale transactions will close if the Buyer cannot get financing?This is not to suggest that Sellers should intrude upon the relationship between the Buyer and its lender, or become actively involved in obtaining Buyer’s financing. It does mean, however, that the Seller should understand what information concerning the property the Buyer will need to produce to its lender to obtain financing, and that Seller should be prepared to fully cooperate with the Buyer in all reasonable respects to produce that information.Basic Lending CriteriaLenders actively involved in making loans secured by commercial real estate typically have the same or similar documentation requirements. Unless these requirements can be satisfied, the loan will not be funded. If the loan is not funded, the sale transaction will not likely close.For Lenders, the object, always, is to establish two basic lending criteria:1. The ability of the borrower to repay the loan; and2. The ability of the lender to recover the full amount of the loan, including outstanding principal, accrued and unpaid interest, and all reasonable costs of collection, in the event the borrower fails to repay the loan.In nearly every loan of every type, these two lending criteria form the basis of the lender’s willingness to make the loan. Virtually all documentation in the loan closing process points to satisfying these two criteria. There are other legal requirements and regulations requiring lender compliance, but these two basic lending criteria represent, for the lender, what the loan closing process seeks to establish. They are also a primary focus of bank regulators, such as the FDIC, in verifying that the lender is following safe and sound lending practices.Few lenders engaged in commercial real estate lending are interested in making loans without collateral sufficient to assure repayment of the entire loan, including outstanding principal, accrued and unpaid interest, and all reasonable costs of collection, even where the borrower’s independent ability to repay is substantial. As we have seen time and again, changes in economic conditions, whether occurring from ordinary economic cycles, changes in technology, natural disasters, divorce, death, and even terrorist attack or war, can change the “ability” of a borrower to pay. Prudent lending practices require adequate security for any loan of substance.Documenting The LoanThere is no magic to documenting a commercial real estate loan. There are issues to resolve and documents to draft, but all can be managed efficiently and effectively if all parties to the transaction recognize the legitimate needs of the lender and plan the transaction and the contract requirements with a view toward satisfying those needs within the framework of the sale transaction.While the credit decision to issue a loan commitment focuses primarily on the ability of the borrower to repay the loan; the loan closing process focuses primarily on verification and documentation of the second stated criteria: confirmation that the collateral is sufficient to assure repayment of the loan, including all principal, accrued and unpaid interest, late fees, attorneys fees and other costs of collection, in the event the borrower fails to voluntarily repay the loan.With this in mind, most commercial real estate lenders approach commercial real estate closings by viewing themselves as potential “back-up buyers”. They are always testing their collateral position against the possibility that the Buyer/Borrower will default, with the lender being forced to foreclose and become the owner of the property. Their documentation requirements are designed to place the lender, after foreclosure, in as good a position as they would require at closing if they were a sophisticated direct buyer of the property; with the expectation that the lender may need to sell the property to a future sophisticated buyer to recover repayment of their loan.Top 10 Lender DeliveriesIn documenting a commercial real estate loan, the parties must recognize that virtually all commercial real estate lenders will require, among other things, delivery of the following “property documents”:1. Operating Statements for the past 3 years reflecting income and expenses of operations, including cost and timing of scheduled capital improvements;2. Certified copies of all Leases;3. A Certified Rent Roll as of the date of the Purchase Contract, and again as of a date within 2 or 3 days prior to closing;4. Estoppel Certificates signed by each tenant (or, typically, tenants representing 90% of the leased GLA in the project) dated within 15 days prior to closing;5. Subordination, Non-Disturbance and Attornment (“SNDA”) Agreements signed by each tenant;6. An ALTA lender’s title insurance policy with required endorsements, including, among others, an ALTA 3.1 Zoning Endorsement (modified to include parking), ALTA Endorsement No. 4 (Contiguity Endorsement insuring the mortgaged property constitutes a single parcel with no gaps or gores), and an Access Endorsement (insuring that the mortgaged property has access to public streets and ways for vehicular and pedestrian traffic);7. Copies of all documents of record which are to remain as encumbrances following closing, including all easements, restrictions, party wall agreements and other similar items;8. A current Plat of Survey prepared in accordance with 2011 Minimum Standard Detail for ALTA/ACSM Land Title Surveys, certified to the lender, Buyer and the title insurer;9. A satisfactory Environmental Site Assessment Report (Phase I Audit) and, if appropriate under the circumstances, a Phase 2 Audit, to demonstrate the property is not burdened with any recognized environmental defect; and10. A Site Improvements Inspection Report to evaluate the structural integrity of improvements.To be sure, there will be other requirements and deliveries the Buyer will be expected to satisfy as a condition to obtaining funding of the purchase money loan, but the items listed above are virtually universal. If the parties do not draft the purchase contract to accommodate timely delivery of these items to lender, the chances of closing the transaction are greatly reduced.Planning for Closing CostsThe closing process for commercial real estate transactions can be expensive. In addition to drafting the Purchase Contract to accommodate the documentary requirements of the Buyer’s lender, the Buyer and his advisors need to consider and adequately plan for the high cost of bringing a commercial real estate transaction from contract to closing.If competent Buyer’s counsel and competent lender’s counsel work together, each understanding what is required to be done to get the transaction closed, the cost of closing can be kept to a minimum, though it will undoubtedly remain substantial. It is not unusual for closing costs for a commercial real estate transaction with even typical closing issues to run thousands of dollars. Buyers must understand this and be prepared to accept it as a cost of doing business.Sophisticated Buyers understand the costs involved in documenting and closing a commercial real estate transaction and factor them into the overall cost of the transaction, just as they do costs such as the agreed upon purchase price, real estate brokerage commissions, loan brokerage fees, loan commitment fees and the like.Closing costs can constitute significant transaction expenses and must be factored into the Buyer’s business decision-making process in determining whether to proceed with a commercial real estate transaction. They are inescapable expenditures that add to Buyer’s cost of acquiring commercial real estate. They must be taken into account to determine the “true purchase price” to be paid by the Buyer to acquire any given project and to accurately calculate the anticipated yield on investment.Some closing costs may be shifted to the Seller through custom or effective contract negotiation, but many will unavoidably fall on the Buyer. These can easily total tens of thousands of dollars in an even moderately sized commercial real estate transaction in the $1,000,000 to $5,000,000 price range.Costs often overlooked, but ever present, include title insurance with required lender endorsements, an ALTA Survey, environmental audit(s), a Site Improvements Inspection Report and, somewhat surprisingly, Buyers attorney’s fees.For reasons that escape me, inexperienced Buyers of commercial real estate, and even some experienced Buyers, nearly always underestimate attorneys fees required in any given transaction. This is not because they are unpredictable, since the combined fees a Buyer must pay to its own attorney and to the Lender’s attorney typically aggregate around 1% of the Purchase Price. Perhaps it stems from wishful thinking associated with the customarily low attorneys fees charged by attorneys handling residential real estate closings. In reality, the level of sophistication and the amount of specialized work required to fully investigate and document a transaction for a Buyer of commercial real estate makes comparisons with residential real estate transactions inappropriate. Sophisticated commercial real estate investors understand this. Less sophisticated commercial real estate buyers must learn how to properly budget this cost.ConclusionConcluding negotiations for the sale/purchase of a substantial commercial real estate project is a thrilling experience but, until the transaction closes, it is only ink on paper. To get to closing, the contract must anticipate the documentation the Buyer will be required to deliver to its lender to obtain purchase money financing. The Buyer must also be aware of the substantial costs to be incurred in preparing for closing so that Buyer may reasonably plan its cash requirements for closing. With a clear understanding of what is required, and advanced planning to satisfy those requirements, the likelihood of successfully closing will be greatly enhanced.