All About Golf Travel and Resorts

Golf is a popular sport, but it is also one of the most interesting activities. There’s no wonder why golf travel and resorts are getting more and more popular nowadays. Golfing helps you interact with others socially. It gives you an opportunity to strengthen your friendships and meet new people. In fact, golfing is a well-known networking technique that many businessmen use.

Golf also increases your exposure to nature. Golf travel and resorts are amazing because they expose you to the trees, sunlight, and the natural beauty of nature. Golf also has a lot of health benefits. It strengthens your bladder and increases your heart rate. It helps you stay fit and it enhances your muscle tone and endurance. It also helps you lose weight and improve the quality of your sleep.

So, if you’re planning to go on a golf trip, here are the best golf resorts that you should try:

1. The Royal and Ancient Golf Club of St. Andrews (Fife, Scotland)

This golf resort is located in the charming town of St. Andrews. This was founded in 1754. This golf course has a breathtaking view. It is also filled with charming Scottish buildings such as the Old Course Luxury Hotel. So, if you have money to burn and you want to feel like a royal, you should visit this resort.

2. Rosewood Tucker Point (Bermuda)

This amazing golf resort is located on the edge of the panoramic and beautiful Tucker’s Point in Bermuda. This resort is secluded and it has a wonderful view of the hills and the sea. So, if you want a little private time, you should definitely visit this place.

3. The American Club (Wisconsin, United States)

This is probably one of the most popular golf resorts in the whole world. It is frequented by professional golfers and die hard golf enthusiasts. This beautiful resort is located in Kohler, Wisconsin. The golf course is located along the shoreline of Lake Michigan. This resort is filled with gardens and luxury cabins. It definitely gives you an experience that will last a lifetime.

4. K Club Resort (Kildare, Ireland)

This resort is just thirty minutes away from downtown Ireland. The lodging building in the resort was established in 1830 and it looks a lot like a French chateau. This post-card perfect resort has two golf courses that guests can enjoy.

5. The Broadmoor (Colorado Springs, Colorado)

This golf resort is located about 6,200 feet above sea level and up against the Rocky Mountains. It is mainly known as a tennis destination, but this highland resort also has three golf courses that guests can enjoy.

6. Bandon Dunes Golf Resort (Bandon, Oregon)

This golf resort was established in 1999 and it is one of the favourite destinations of seasoned golfers and golf enthusiasts. Many golf magazines consider this resort as one of the best in the world. This resort does not have the luxury accommodations that most of the resorts in this list offer. But, its modest and cozy rooms are pleasant and comfortable.

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Commercial Mortgage Overview

At present, commercial mortgages are the ideal way to finance the development of businesses, as they provide flexible and affordable financing solutions. For businesses confronted with severe financial difficulties, commercial mortgages are the best way to avoid bankruptcy and to re-achieve stability in the market; for growing businesses, commercial mortgages are perfect for financing business changes and improvements. Commercial mortgages can be used for a variety of purposes, such as: the purchase of business premises expansion, residential and commercial investment, property development, meeting the lenders’ criteria, etc.Commercial mortgages basically refer to loans made using real estate properties as guarantee for repayment. Although commercial mortgages have similarities with residential mortgages, in the case of commercial loans the collateral (the security pledged for the repayment of the loan) is a type of commercial building or a business real estate, not a type of residential property. Consequently, commercial mortgage deals are generally closed by businesses, not individuals, and unlike in the case of residential mortgages, borrowers have to present with solid credibility and creditworthiness in order to receive a substantial loan.The terms and conditions of commercial mortgages greatly vary from a regional perspective; for instance, commercial mortgage policies in the United States differ from those closed in the UK in aspects such as the length of the loan, the length of time allowed until balloon payment (total payoff of the loan) and so on. However, the most pronounced variations of commercial mortgages are in areas such as interest rates, which are established by the local market.In order to get the most out of a commercial mortgage, it is crucial to pay the right attention to interest rates, the duration of the loan and the repayment schedule stipulated in the contract (these are interrelated variables that can substantially influence the quality and the efficiency of any underwritten commercial mortgage). It is important to note that there is no right or wrong way to negotiate the conditions of a commercial mortgage; however, it is crucial to opt for the repayment plan that best suits your business’ needs and your financial possibilities.Commercial mortgage interest rates can be categorized in two distinctive groups, each having specific advantages and disadvantages: commercial fixed rates and commercial variable interest rates. Commercial fixed interest rates are ideal on the premises of continuously rising interest rates on the market; they are preferred by business owners who want to stabilize the monthly payment amount. By choosing a commercial fixed rate, one can also incur an “early redemption charge” (ERC), which basically acts like this: after the previously established fixed rate period of repayment has expired, the borrower benefits from an extended period of repayment, with the condition to pay a variable rate established by the lender from that point on. The ERC has been adopted by many categories of commercial loan providers, thus allowing borrowers to overcome any emerging financial problems during the period of repayment.The commercial variable interest rate is primarily influenced by the changes in the base rate established by the Bank of England. This type of commercial interest rate also fluctuates according to the local market rates and other factors, and should be avoided in highly unstable markets. Before choosing commercial variable interest rates for your loan, it is crucial to do an extensive research of the market in order to efficiently forecast the short-term and long-term evolution of the market interest rates. If the market prediction is favorable and the interest rates are expected to drop significantly, then the variable interest rate is the indicated choice; otherwise, one should opt for the fixed interest rate.The process of closing the right commercial mortgage deal has many subtleties and involves performing an entire series of specific tasks. In order to get the most out of a taken commercial mortgage and to overcome any impediments over the period of the loan, it is crucial to employ the services of a prominent, highly reputed commercial mortgage brokerage company.

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Where to Invest Money When the Sky Is Falling

Most of us know where to invest money in good times, but when it looks like the sky might be falling, knowing where to invest money and how to invest it becomes a puzzle. In 2014 and 2015 good investments might be hard to find, especially if yesterday’s good investments like stocks and bonds tank. This is not a prediction, but rather a “heads up.” You can’t prepare if you’re not aware, so let’s take a closer look at the sky.We all know that safe choices like money market funds and bank savings accounts don’t look like good investments for 2014 because they pay peanuts. But what if the sky starts falling: either interest rates ignite and/or the stock market tanks? Either way or both… where to invest money is the question of the day. Safe choices will look like good investments for parking money that must be safe.Wall Street’s traditional answer to where to invest money: put about 60% into stocks with about 40% in bonds holding a cash reserve on the sidelines. Problem: in 2014 and 2015 losses in stocks may not be offset by gains in bonds… as was the case for the last 30 years or so. If interest rates soar from today’s record-low levels, neither stocks nor bonds look like good investments.For over 30 years interest rates were falling and bonds were generally good investments. With today’s ridiculously low rates (created by our government to stimulate the economy) a rebound in interest rates is in the cards (as the government unwinds its stimulus). When that happens, bonds will no longer be where to invest money for higher interest income with relative safety. Bonds are NOT good investments when rates go up; they lose money. That’s the way it works. How to invest in bonds in 2014 and 2015 if rates take off: lighten up and opt for safety.Stocks had been very good investments five years running as the year 2014 began. This was at least in part due to government stimulus and cheap money. In a sense, stocks were where to invest money because nothing looked cheap except for money (short term interest rates were set at about one-tenth of one percent). With a gain of over 150% in five years, the downside risk in the stock market is mounting. This begs the question of how to invest money in stocks if the sky starts to look ominous.Remember that the stock market is actually a market of stocks, which means that the vast majority of stocks get hit when the market crumbles – but at least a few will be good investments. And the best way to find good investments in a bad market is to watch the price action. For example, as the market climbed 30% in 2013, some gold stocks were down about 50% by early 2014. If you don’t know how to invest in or how to pick a specific gold stock… you might want to know where to invest money to get a piece of this action. The answer is to invest money in gold funds and let them pick the gold stocks for you.The bottom line is that in 2014 and 2015 investors face an uphill battle, because both stocks and bonds look pricey. That presents a new challenge to today’s investor in search of where to invest money. We are facing uncharted waters in this modern electronic world, where no one really knows how to invest or where to find good investments for the future. This includes the big investors like life insurance companies and pension funds.My suggestion is to take some profits in your stocks and bonds, because the tide will turn eventually if not in 2014 or 2015. Then you’ll have a cash reserve, so you can take advantage of the situation as the skies darkens. Smart investors are always in search of where to invest money next, especially when a change of trend is in the cards. At such times, yesterday’s underperforming sectors or industries often become today’s good investments.

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