Robert Lanza, the Radical Scientist

Paradigm shift takes time. Anything new, however closest to the truth it is, will always face oppositions and detractors not a few. But if a paradigm is true, it will stand the test of time. Paradigm creators like Robert Lanza are a gem in this world, someone who wouldn’t take the conventional view and willing to take a stand on issues he strongly believes in. But people, including scientists, should realize that they can’t keep brushing these experiments under the rug for an experiment may unlock the key to the puzzle that have been worked on for years. Science has always been designed to understand everything with a single theory that doesn’t contradict itself. Concepts like biocentrism are difficult for the finite mind but when a person applies himself to understanding, he will begin to see the clarity of its intent.

Biocentrism believes that reality isn’t a thing; it’s a process that involves our consciousness. Life is a melody so vast and eternal that human ears can’t appreciate the tonal range of the symphony. Time is the mind’s tool that animates the note, the individual frames of the spatial world. “There’s no way to remove the observer – us — from our perceptions of the world,” said Stephen Hawking. “The past, like the future, is indefinite and exists only as a spectrum of possibilities.” You, the observer, collapse these possibilities, the cascade of events we call the universe. This theory is according to Dr Robert Lanza.

Published on 27 Apr 2011 in Business Finance, by admin

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Online Application | Colorado Rockies® Extra Bases® Credit Card

The Colorado Rockies® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America.    (www.rockiescreditcard.com).   This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country.  Like many department stores, colleges and airlines have done for decades, Major League Baseball™ teams are now being displayed on consumer credit cards.  These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty –  are proving to be a home run in the credit card industry.

Features offered by the Major League Baseball™ Extra Bases™ Credit Card from Bank of America include:

•           No annual fee.

•           0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.

•           Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.

•           Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.

During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball.  Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times.   With the MLB™ Extra Bases™ credit card, Rockies fans can be reminded of their favorite team every time they take out their wallets.  Real fans carry the card with pride.  Visit www.rockiescreditcard.com to complete the credit card application online in a few short minutes.

http://www.articlesbase.com/baseball-articles/colorado-rockies-credit-card-major-league-baseball-extra-bases-mastercard-626518.html

Published on 01 Jun 2010 in Business Finance, by hanun

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SBA Mortgage Financing

SBA mortgage financing, i.e. an SBA loan that is tied to commercial real estate, is by far the most viable type of small business financing that is available today.  The reason is of course, that the bank has a hard asset as collateral.

As far as unsecured or “business goodwill” type loans, we are seeing most banks completely pull out of this sector.  A year ago, for example, we had 20 banks that would do franchise loans, tenant build out and working capital SBA financing.  Now however, these uses of proceeds, unless backed by real estate are very difficult to get done.  We have two banks that we know of, that will still really consider these types of loans.   And one of the two is very bureaucratic.

SBA Mortgage Financing – 7a or 504?

If you’re considering an SBA mortgage, you can start off with the self directed questions of “am I refinancing or attempting to purchase and property?”  If it is a refinance, then the SBA 7a loan is your main option, as it is allowed per the SBA regulations.  Though there has been some talk from the Feds about allowing the 504 to be used for a refinance, it is not a reliable option.

If you’re considering a purchase, than the 504 or 7a could be an option.  On smaller loans, i.e. less than $1,000,000 you should expect that most banks will want to take this the SBA 7a route, as it is an easier transaction for the bank to get done and they have a greater guarantee from the government at 90%.

Larger transaction $1,000,000 to $5,000,000 will fit the SBA 504 box nicely.  These loans are often a preferred option as well, due to the long term fixed rates and high level of financing at 90%.  However, one of the negative with the 504 is the high prepayment penalty compared to the 7a.  If you’re planning on selling the property in 3 -5 years, or think that there is a good possibility, than the 7a is going to be a better option as the pre payment penalties on this are much cheaper.

SBA mortgage financing is viable.  These types of loans are still closing and will likely remain the most reliable form of financing over the next few years as we continue to deal with some of the biggest issues the banking industry has seen since the Great Depression.

Published on 30 May 2010 in Business Finance, by hanun

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