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Day: April 5, 2017

How to Deal With a Nosy Boss

A boss who would want to know about particular aspects of your life that are not work related can be very annoying. There are bosses who try to meddle in the personal lives of their employees hence causing them unnecessary embarrassment. When such situations arise, it is important to take control of the situation before it gets out of hand.

There are various ways in which you can deal with this kind of a boss. To begin with, you should request for a meeting in which you talk and agree that your personal life is separate from your work. Make it clear that you will not tolerate any lapses.

If you realize that your boss is not willing to stop this annoying habit, then it is advisable to approach someone else in the organization. You should approach a Human Resource officer who will in turn communicate your reservations to the boss.

You should also ensure that you do not discuss your personal issues with colleagues in the office. Such information has a way of getting back to a nosy boss hence keeping him in the know about your life. It is also advisable to avoid attending social events with colleagues and bosses. This especially applies to events that are not work related.

Ensuring that your work performance is above reproach would also prove very effective in dealing with a nosy boss. When your boss sees the standard of your work, he will not have to look for scapegoats in form of your personal life to blame it on. Tardiness and incomplete work could very easily be blamed on distractions arising from the home front.

In some cases a boss can be perceived as nosy whereas he is not aware of doing so. In such cases you need to give him examples of when you felt that had crossed the line. This will make him more aware of his behavior.

In addition, you can also deal with a nosy boss by being careful with voice messages and emails you receive while in the work place. Since it might be easy for your boss to access your office email, you should be careful about those that you consider as personal and instead use a different email account.

Sometimes, company doctors might leak out personal information intentionally. It is therefore advisable to seek medical attention from an independent doctor, especially for embarrassing cases such as sexually transmitted diseases.…

Foreign National Commercial Mortgage Loan Basics

As US dollar is becoming stronger and commercial real estate values are rising by the day, foreign buyers can have a real incentive for buying an investment property-whether it is commercial or residential. Persuading foreign investors to speculate in US economy has different incentives as well.

Some facts that are worth reading

As per National Association of REALTORS®, foreign buyers, until March 2014, invested in excess of $99.2 billion US residential real estate. These figures continue to soar with time. So every international buyer who can afford to invest in US properties and who look forward to living abroad should invest in the country’s real estate investment market.

When problem hits foreign real estate investors

Options for an international real estate buyer to pick from can be significantly limited as they will generally have to provide a:

  • U.S Federal Tax Identification Number
  • U.S Bank Account
  • State Certified Corporation, LLC, LP, or any active company
  • Proof of residence

And if a foreigner is incapable to furnish any of these docs, then the person will doubtlessly be ineligible to get a traditional mortgage and other similar financing options. Foreign buyers, however, can pay in cash-but as interest rates are low across the United States, it is preferred for buyers to finance their investments. And that is when a foreign national loan can be of great help to any foreign realty investor.

Understanding foreign national commercial mortgage loans

Foreign national commercial mortgage loans are available to every non-US citizen who are look forward to investing in any domestic property. However, any foreign national will not find this mortgage in traditional banks. And even the terms and conditions or requirements of this specific loan will vary from one lender to another.

Generally, foreign national mortgage lenders offer this loan type at down payments that start anywhere around 30 percent of the buying price. However, the down payment can even go as high as 40 percent-that depends on the size of the loan that any foreigner may apply for.

Apart from large down payments, this loan is similar to a traditional loan. The process of securing this loan is just like the one followed to get a domestic loan. For building a borrower profile, lenders will need:

  • Their passports
  • A Tax Identification Number given by the Internal Revenue Service
  • Asset proof that is verified by any global financial institution
  • A Letter of Professional Reference From An Accountant and or Banker

Foreign borrowers will generally have to pay a higher interest rate than the ones given by US residents. But borrowers may get a commercial mortgage with an annual interest rate as low as five percent because of larger down payments and historically low interest rates.…