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Saturday, February 16, 2008

Quality Restaurants in and Around Cleveland, Ohio

Growing up in the suburbs of Cleveland, it has been a pleasure to be in a city with so many fine restaurants. My family and I have been loyal to many places, but there are a few restaurants that stand out above the others. This list gives you a few quality places that are worth going to whenever you're visiting Cleveland, a very cultural and dynamic city.

Pearl of the Orient
20120 Van Aken Blvd
Shaker Heights, Ohio
44122
(440) 333-9902

This is an amazing restaurant situated in Shaker Heights, near the end of the Van Aken subway train line. I grew up going here, and have never had a bad meal in the thirty years I've been going there. The food is upper scale Chinese, with the best sauces of any restaurant I've ever known.

Gamekeeper's Tavern
87 West St
Chagrin Falls, Ohio
(440) 247-7744

This beautiful restaurant is in the heart of Chagrin Falls, on the outer east side of Cleveland. It has a courtyard in the back, which is a wonderful place for lunch. With white linen tablecloths, attentive wait staff and an eclectic continental menu, it is sure to please.

Fire
13220 Shaker Square
Cleveland, Ohio 44120
(216) 921-3473

Located in historic Shaker Square on the near east side, Fire's chefs are classically trained and are artists with food. The brunch is to die for. The recipes they use are flavorful, and not the usual, boring fare you see in most restaurants. In the summer, you can eat outside on the outdoor patio. Reservations are recommended.

Aladdin's Eatery
12447 Cedar Rd.
Cleveland Heights, Ohio 44106
(216) 932-4333

This is a chain of Lebanese-inspired restaurants with inexpensive prices but very quality meals. They even have coffee-house fare (excellent coffees and a large variety of beautiful desserts). If you want a quick lunch or plan to stay awhile, this is the place to go when you're in Cleveland Heights or Independence (two of my favorite locations). They may have opened other locations since writing this, but whichever branch you go to, you will leave pleasantly full and satisfied with the courteous service.

Saffron Patch
20600 Chagrin Blvd
Cleveland, Ohio 44122
(216) 295-0400

If you love Indian food, the Saffron Patch is sure to please. They even have a rather large lunch buffet with many favorite dishes available. This place is busy all the time, because everyone in the area knows they make the best Indian food around. It started as a small restaurant in Solon but quickly grew to its current large size, in the lowest level of an elegant office building in Beachwood, due to a large following of loyal customers.

Carolyn McFann is a scientific and nature illustrator, who owns Two Purring Cats Design Studio, which can be seen at: http://www.cafepress.com/twopurringcats . Educated at the Rochester Institute of Technology in New York, Carolyn is a seasoned, well-traveled artist, writer and photographer. Besides handling numerous assignments in the US, she has lived and worked in Cancun, Mexico. Clients include nature parks, museums, scientists, corporations and private owners. She has been the subject of tv interviews, articles for newspapers and other popular media venues.

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Thursday, February 14, 2008

4 Great Benefits For Your Internet Home Work Income Business About Long Tail Keywords

The biggest reason, why I write this article with the keyword internet home work income business, is that I can enter into several markets, because this long tail keyword includes many keywords: internet home work income business, internet home work income, income business, home work income business, home income business, internet income business, internet home income business, internet work income business and internet home business.

Totally the keyword internet home work income business includes 9 different keywords. Some have tens of thousands searches per month, some only some hundreds. And in real life the search engine spiders will find even more, like they always do.

Think about this! I can get this article into 9 different markets using only one keyword, what a save in time!

1.The Long Tail Keywords Are better Converters.

Let us take an example. If a searcher types tennis into the search bar, it is very general, if he types tennis racket or best selling tennis racket, the search is much more targeted. When the searcher uses a long tail keyword, he knows quite in detail, what he is looking for.

The issue is the preparation. If the searcher has done his homework before rushing into the internet, he has a clear picture about his needs. And the same happens, if the visitor will type your internet home work income business keyword before he lands on your site.

2.It Is Easier To Get A High Ranking With The Long Tail Keyword.

When your internet home work income business site uses the long tail keyword, it will rank better simply because the competition is lower. Very often the low traffic keyword marketers do not invest so much into backlink building, which is needed for high ranking.

3.The Visitors From Long Tail Keywords Means Better Earnings.

If the visitor, who has used the search, has typed the keyword: internet home work income business, he is very motivated to buy, because he already knows what he needs.

4.The Natural Seach Traffic Converts Better.

It is important that the traffic to your internet home work income business coverts well into purchases. A visitor, who comes through the search engine is very motivated and stats show that this traffic converts around 30 % better than the traffic from the paid search engine advertising.

I recommend warmly the long tail keywords in order to draw more customers into your internet home work income business site from different keyword markets. Try it, it`s worth that!

Juhani Tontti, B.Sc., Marketing. I Have Optimized My Site By The Long Tail Keywords. Take A Look, Get 3 Free Ebooks And A Lot Of Information About SEO For Your Internet Home Work Income Business. Click HERE!

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Monday, February 11, 2008

A Trip to Germany - Monschau

This small German town is just amazing. I have seen many of the German towns, there are lots of beautiful ones among them but this one is surely worth seeing. It is located in the North-Rhine-Westphalia district of Germany, not far away from Aachen just on the borderline with Belgium. Actually if you drive a car from Cologne, you will have to drive through a piece of Belgium, a couple of kilometers of unused land. Looks pretty funny.

The town is located in the national park Eifel which is really beautiful with it's forests and rocky mountains. The city is hidden in a narrow valley of a small mountain river and even the road to it is a curvy serpentine that makes a lot of fun to drive if you have more than 100 hp under the hood.

If you arrive with a car you will notice that there is no possibility to park your car for free and it shouldn't amaze you. The city is for a long time a point of high tourist interest. And a large commercial parking lot is never empty. Well, large is quite exaggerated, it has about 200 places to park in, but the traffic is quite vivid. And at the bus-parking I've never seen less than 5 buses. People more often come to visit this city with a tourist-guide, though I prefer to roam freely, seeing something special, non-pop.

When you get out of the car you will see a cliff with a castle on the top of it. After leaving the car for a couple of Euro for the whole day, you walk the only road that seems to lead into the town-center. It is narrow and curvy and after a hundred meters becomes medieval. You will see the houses that seem to be very old, much older than you could see in other places of Germany, but those houses have a very fresh look, they seem to be well-cared and tidy. And this creates a wonderful image of a really medieval town preserved till our times.

The street will lead you through the numerous restaurants, cafes, souvenir-stores to a square, which in the summer time is a large cafe and then the road will lead you either back or somewhere up with a steep climb. Don't be lazy and don't say you've had already much today, climb it, it is worth doing. Because you will see a beautiful sight of the whole city. You will see the castle, all those small houses crowded in an unbelievable order, built sometimes odd and funny, having some features of the Holland architecture. At the top of the climb there are ruins of some old-looking building, or piece of castle, but it is not worth climbing. Just get seated at the small observation ground and if you are a photographer or simply fan of taking pictures and have a good camera with zoom, you will spend minimum half an hour there.

The view is just amazing, so are the people living there and the tourists. They are all calm and easy. There is no panic, hectic and any rush, everything is going nice and easy here. Just like in a fairy tale. A German fairy tale. By the way, I did not find a single food store there, only restaurants and cafes. I definitely don't understand where in this small town that is perfectly observed from that view ground can hide a food-store. The locals are probably all millionaires and eat only in restaurants or they have to drive to the neighborhood towns to buy food.

To get to the castle you would have to get down from the cliff you are now and climb another and to tell the truth, I wasn't impressed by the castle really much. So I would suggest you to have a lunch in a cafe or restaurant, have a walk through the specially equipped walking paths in the local park (again those who have cameras will spend much more time there than expected) and head back to the parking lot where a glass manufacture and shop is located. If you have luck, you could see how they make those masterpieces of glass, they arrange live shows several times a day.

But to tell the truth, I am very glad to live not far away from this town, because it is impossible to describe, you must see it yourselves. And even more, I was glad to see this town several times and I would be glad to see it again.

Iuri Tarabanov writes about interesting travel experiences. His travel site is http://www.travelime.com

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Friday, February 8, 2008

Discount Auto Insurance - Sure, Why Not?

Where can I find a discounted rate for my auto insurance needs? What can I do to get low rates & superior coverage?

The insurance companies will ask you to drive carefully. And it's good advice, but probably not what you were hoping to hear.

Ask for discounts! - If you are a good driver you may be able to lower your existing policy.

Buying a new car? - Find out where the price of the car changes in terms of policy cost. A few thousand dollars can make a difference.

Red-flag cars! - Some insurance companies charge more for certain cars that are targeted for passenger injury and/or are more often stolen or vandalized than another make of vehicle.

Could you drive a little less? - Mileage due to business travel and/or commutes can drive policy prices up. Carpooling once a week can sometimes make the difference in the premiums you pay.

Are you 50 or older? AARP is a membership organization that offers great auto discounts for all people 50+ for $12.50/yr. These great discounts are not limited to automobile insurance by any means.

The automobile insurance they offer is from The Hartford Automobile Insurance Company for AARP - members, only.

A few highlights offered by AARP for this auto insurance plan with The Hartford are:

Full 12-month rate protection and lifetime renew ability are standard with this exclusive plan from The Hartford.
Benefits include:

Full New Car Replacement Guarantee

Lifetime Repair Warranty

Lifetime Renew ability

Fast, no-hassle claim payments

Online Customer Service Center for claim reporting, bill payment

Free, no-obligation rate quote

There are many other automobile insurance discounts offered by various automobile insurance companies for good driving records.

Why does the price of auto insurance vary so much from company to company and by what car you buy? Insurance companies are talking about how many coverage's and deductibles you need and that is determined by the following:

What do you drive? - Generally, the more pricey your auto the more pricey your premiums.

Buying a new car? - Better re-evaluate your existing policy.

How do you drive & where? - Accidents, vandalism, & theft raise rates. Small town citizens usually pay less than the city folk, especially the big, big city folks.

How much do you drive? - The more miles you drive, the more you will pay.

Are you married? Over 25? Male or female? - It matters. Accident rates are higher for all drivers under age 25, especially young males and single males.

Do you have a good driving record? - Accidents? Studies tell us that drivers who cause accidents will pay more.

How about a good credit history? - This too matters. Again, studies show credit history indicates certain characteristics of future auto insurance losses. Many insurance companies seriously utilize this information in deciding what to charge you.

Get more fast & accurate tips at this popular website http://www.auto-insurance-companies-free-quote.com

Auto Insurance Discount - Get more fast & accurate tips about at this popular website Auto Insurance Companies Free Quote.

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Wednesday, February 6, 2008

What Is So Gross About My Lease?

A question I get asked fairly frequently from business owners is what does it mean for a lease to be "gross"? This is a common term in commercial real estate. It doesn't meant that your lease smells funny, has stuff oozing out of it, or anything like that...

A pretty good textbook definition is that a gross lease is one in which the landlord pays all expenses associated with the ownership of the property including maintenance, taxes, and insurance.

Basically, with a gross lease a tenant pays their monthly rent and the landlord pays all associated expenses with the property. This arrangement is usually found in office buildings and buildings with many small tenants. It's a simple way of calculating a rental rate.

The "opposite" (for lack of a better word) of a gross lease is a triple net lease. What is that all about? Three nets???

Basically a textbook definition of a triple net lease is one in which the tenant pays rent to the landlord, as well as a share of the taxes, maintenance, and insurance expenses based on the tenant's use of the property.

In this example, a tenant would have a fixed rent and on top of that he would pay a share of all expenses of the property (the nets). If the taxes go up, the tenant kicks in a little more, if the taxes go down, the tenants obligation to pay goes down. The amount of the expenses a tenant must pay is based on the amount of space they occupy in a building. If a tenant occupies 1,000 SF of a 5,000 SF building, he would be responsible for 20% of all of the taxes, insurance, and maintenance costs such as snow removal and landscaping.

This type of lease is commonly seen in retail properties and industrial properties or in properties where there is only one company occupying the entire property. It is also becoming more and more popular and is commonly seen in newer buildings.

Is one better than the other??? There are arguments on both sides I guess.

If you have a gross lease, you don't have to worry about drastic increases in property taxes or insurance because your rent is fixed and the landlord pays the taxes and insurance. With a gross lease there is usually some sort of pre-determined annual increase built into the lease to cover possible expense increases but because that is all negotiated up front, you can budget for the annual increases. Now if the taxes go down (yeah right!) then the landlord benefits because he is still collecting the same amount of money and his expenses just went down.

With a triple net lease, the expenses are usually reviewed every 6 months and if there has been an increase in taxes or insurance, that increase is passed along to the tenant and they may not have even known that taxes were going to go up. With a triple net lease, if any expenses go down, the amount the tenant pays goes down accordingly so the tenant is able to take advantage of the decrease.

There are several variations of both types of lease includind modified gross leases, double net leases, graduated leases, single net leases...the list goes on but the "Gross Lease" and the "Triple Net Lease" are the two you are most likely to come across.

Just remember that with any commercial real estate lease or any lease for that matter, you should consult a real estate professional and also an attorney. These people are experts at what they do.

So the next time you hear somebody talking about how gross their lease is, you won't be caught with your jaw down wondering what they are talking about...

Rob Beland

Apex Properties

http://apexproperties.blogspot.com

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Saturday, February 2, 2008

Getting Your Venture Lease Approved

Each year venture capitalists fund more than 2,500 start-up companies in the U.S. Many of these companies try to conserve their equity capital by approaching venture-leasing firms to secure equipment financing. By obtaining lease financing, these savvy firms are able to use their equity capital for high-impact activities like recruiting key personnel, product development, and expanding their marketing efforts.

What are the qualities that make some start-ups more attractive than others to venture lessors? Here are ten factors that most venture lessors evaluate to decide which start-ups to finance:

Caliber of the Management Team

Most venture lessors consider the start-ups management team to be the most critical success factor for the venture. Though it can be challenging to quickly evaluate management talent, there are several qualities that venture lessors consider. They look for experienced managers with high integrity and a proven history of business performance.

Quality of the Venture Capital Sponsors

Another important factor for most venture lessors is the quality of the start-ups venture capital sponsors. Venture lessors look for experienced venture capitalists with successful investment performance over a number of years. The venture capitalists should also have good reputations for dealing fairly with creditors serving their portfolio companies. Before entering new lease arrangements, most venture lessors verify that the start-ups venture capital sponsors are actively supporting them.

Soundness of the Business Plan

Successful start-ups usually have compelling, well-articulated business plans. Lessors look for signs that the start-ups have promising market opportunities, clear and credible projections, and reliable financial statements.

Cash Position /Monthly Burn Rate

A yardstick used by many venture lessors to measure risk is the start-ups projected cash consumption rate. The ratio of available cash to the start-ups monthly burn rate is a useful measure. It crudely determines how long the start-up can last before a new equity round is needed. The lessor views a transaction as less risky if the start-up can make full payments during a significant portion of the lease term without raising additional equity. Most lessors look for a ratio that supports at least 9 12 months of the start-ups operation.

Equipment Quality

The quality and intended use of the equipment is an important factor for most venture lessors. Most lessors look for transactions involving equipment that is essential to the start-ups operation. Additionally, the equipment should have acceptable collateral value and be readily re-marketable in the equipment aftermarket.

Product Prospects and Revenue Track Record

If the start-up is in the development stage and has yet to sell products, venture lessors generally look for products capable of establishing a strong market position. If the start-ups product is already in distribution, lessors look for strong monthly or quarterly revenue growth. A poor reception of the product in the early stages, when measured against the business plan, can often signal a faulty product launch or faulty product concept.

Valuation History

A valuation history records the share prices of stock sold to investors by the start-up. Unless there is a good explanation, most lessors look for significant share price appreciation over successive offering rounds. The assumption is that the start-up is making steady and significant progress in its development, which will be reflected in rising share values.

Balance Sheet Strength

Venture lessors usually evaluate a start-ups working capital to ensure that the start-up can make payments when due. Along with an analysis of the start-ups burn rate, lessors use traditional working capital measures like the current and quick ratios. Lessors also look for other signs of balance sheet strength, such as: low to moderate leverage; positive tangible net worth (inclusive of subordinated debt); and minimum paid-in capital of $7 - $10 million.

Outside Professional Involvement

Most venture lessors view the involvement of reputable and successful outside board members as a positive factor for start-ups. A reputable CPA firm, law firm, institutional partners and/or service providers are also viewed by lessors as positive. These professionals can bring valuable expertise and contacts that can help the new venture to succeed.

Payment Performance

As with more traditional lessees, venture-leasing companies frown upon poor lessee payment histories. Most venture lessors expect lessees to have satisfactory payment histories, unless good explanations can be offered. Like other vendors, satisfactory payment of bills by customers is where the rubber meets the road. Whether the lessee is a start-up or a Fortune 500 company, most lessors view prompt payment as sacrosanct.

While venture lessors use additional factors to make their credit decisions, these ten factors seem to be used universally. Though most of these factors are subjective, they have stood the test of time for venture lessors in making informed and reasonable credit decisions.

George Parker is a Director and Executive Vice President of Leasing Technologies International, Inc. (LTI), responsible for LTIs marketing and financing efforts. A co-founder of LTI, Mr. Parker has been involved in secured lending and equipment financing for over twenty years. Mr. Parker is an industry leader, frequent panelist and author of several articles pertaining to equipment financing.

Headquartered in Wilton, CT, LTI is a leasing firm specializing nationally in direct equipment financing and vendor leasing programs for emerging growth and later-stage, venture capital backed companies. More information about LTI is available at: http://www.ltileasing.com.