Many business borrowers do not prepare adequately for the commercial mortgage business loan problems that are common in most business financing scenarios. By anticipating typical commercial loan difficulties, business owners are more likely to avoid potentially disastrous business finance consequences.

With rapidly deteriorating financing for residential investment property, overcoming business loan and commercial mortgage problems is even more important. This summary provides an introduction to four critical commercial loan factors and should assist commercial borrowers to better anticipate key business financing difficulties.

It is not unusual to find that business investment lenders and business loan brokers are not as forward-looking about business financing and investing difficulties as most borrowers would expect, and I have published another article about commercial lenders to avoid. The focus here is on four typical commercial mortgage loan and SBA business loan difficulties often overlooked by commercial lenders and borrowers.

Commercial borrowers should be prepared for commercial loan scenarios that involve unexpected business financing problems. With business financing there are several key commercial mortgage problems which should be avoided. Business loan problems are more serious and prevalent than many borrowers would imagine.

Some of these commercial mortgage business loan difficulties might be unavoidable, but in most cases these business financing and SBA loan challenges can be successfully overcome. Commercial borrowers will be poised to take proper corrective action if they are aware of common commercial loan difficulties.

Avoidable Commercial Real Estate Investment Property Financing Scenario Number One: Use of secondary business financing -

Many commercial borrowers want the flexibility to use subordinated debt (a seller second or other secondary financing) in order to acquire a commercial property or business opportunity investment with a smaller down payment. Many forms of business investing will not permit a seller second or other forms of subordinated debt. With a commercial loan via non-traditional business lenders, a commercial borrower can use subordinate business financing (including seller seconds) to reduce the amount of their down payment.

Commercial Mortgage Example Number Two: Sourcing-seasoning assets and seasoning of ownership -

Some commercial lenders will require borrowers to document the source of the down payment for a purchase (sourcing). Many business lenders require borrowers to document where down payment money is coming from, often for up to 12 months in order to provide seasoning confirmation. Ownership seasoning is determined by establishing a minimum period for ownership prior to being eligible for refinancing.

Such a problem will probably not deter all borrowers. When it does apply, business borrowers should insist on a lender without seasoning and sourcing requirements.

Business Financing Example Number Three: Commercial mortgage recall terms -

Business loan recall conditions will often allow the commercial lender to force the borrower to repay their loan before the normal loan expiration. If a commercial loan agreement does not include recall terms, such a possibility is not of immediate concern to a borrower.

Commercial lenders will routinely include recall conditions in a business loan agreement. The provisions which will prompt a recall will vary and typically include annual business lender monitoring of financial statements, tax returns and credit history. Without agreed income, tax returns and credit standards, the lender can choose to require the borrower to pay off the commercial loan within a very short period of time.

Contingency Plans for Business Finance Recalls: What to do about a commercial loan recall -

To avoid an unanticipated recall scenario, commercial borrowers would be wise to consider only commercial loans which do not have recall terms. For commercial borrowers who have recall provisions in their business financing agreement, it will be equally wise to consider refinancing their business loan or commercial mortgage before a recall occurs so that refinancing is accomplished when it is most appropriate for the borrower.

When borrowers receive a business financing recall, they must quickly obtain refinancing assistance. When reviewing commercial loan choices for refinancing, borrowers should attempt to exclude potential lenders that require recall terms.

Business Loan Example Number Four: Business financing that needs a long-term commercial loan -

Is long-term investing and financing really possible for a business loan? Some business investment lenders will only offer 5 years (or less) before commercial real estate financing will expire with a balloon payment due.

There are commercial mortgage programs which can provide long-term financing, even though many lenders will only offer shorter-term options for investment business financing. Longer-term commercial real estate financing will often be the critical difference that facilitates a successful business investment because a new business loan will not be required for many years and commercial loan payments will also be reduced.

Additional Commercial Loan Problems and Solutions -

Unfortunately commercial borrowers will frequently encounter commercial mortgage business loan problems similar to those described here. To better prepare for this, an advisable approach is to explore business financing resources that will facilitate a better understanding of complex commercial loan issues. The Commercial Real Estate Loan Guide and The Working Capital Management Guide are two examples of business finance resources that will provide possible solutions for many difficult commercial financing situations.

Medical expenses have already touched the sky and are still rising. This has made health care insurance a necessity. Medicare supplemental insurance is designed for people on Medicare who wish to have more comprehensive coverage. These supplemental plans may include Managed Care HMO plans or Medigap PPO plans that provide you with greater access to participating physicians. Medical terms can be confusing, and before speaking with an insurance agent, you should make sure you understated his or her language.

Medical insurance premiums are a result of careful consideration by medical insurance companies and are regulated by every state. Premiums can vary depending on the type of coverage, amount of the deductible, and benefit coverage.

Individual, or family, health insurance is also commonly known as personal health insurance or private health insurance . Most insurance companies offering this product will refer to it as individual health insurance. Individuals, families, self employed, student, small and large group. Traditional major medical, health savings accounts and temporary medical coverage. Individuals, families, self employed, student, small and large group. Traditional major medical, hospital, health savings accounts, temporary and short term medical coverage.

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Within minutes, you can determine your eligibility, the type of plan you want and they will give you immediate quotes. Within minutes, you can receive an online health insurance quotes for life insurance and dental plans from America’s leading insurance companies. This unbiased approach to selecting a benefit package now allows you to customize your insurance quote, select the company of your choice with the benefit plan features and price that fits your situation and budget.

People who want to establish their own business always find out some or the other way through which they can establish their own business. These days establishing one’s own business is not a problem. One can easily take up a loan and start of with a business. The introduction of various kinds of loan products and schemes has definitely made things easier for people and today, anyone can take up a loan to fulfill their dreams. Secured business loans are the kind of loans through which one can easily fulfill their dreams of establishing their business and business owners who even to expand their business, can also opt for this loan scheme. In fact, the introduction of business loans has become quite an integral part for the money industry and today, many people who want to start off their own business find it really helpful.

Since, every business is different from the other, therefore, it is essential to understand the need of your business. Therefore, before you apply for secured business loans, it is important for you to chalk out the amount of loan you would need to start off your business. This will help you to understand your need and then you can apply for the loan. Secured business loans can also help business owner who want to expand their business or for some other purpose related to the business. Therefore, if you are a business owner and are in need of cash, then you can take the help of this loan to solve all the problems. These days the introduction of various kinds of loan products and loan schemes has for sure made things easier for people and therefore, to solve any kind of a financial problem is no longer a problem now.

There are many banks, organizations and even individuals provide secured business loans. Therefore, you need to be careful while you apply for a loan. You should make sure that you take proper knowledge of the loan scheme, the hidden costs, the rate of interest and you should also make sure that the firm you are dealing with is genuine and that there are no scope of any fraudulence in the entire transaction. Well, being a secured loan, it is evident that secured business loans will also include the putting up of collateral against any kind of loan that the borrower takes. However, the rate of interest involved in this loan is much cheap as compared to other secured and unsecured loans.

Therefore, if you are a business owner or want to establish your business, then you can go ahead and take up secured business loans to fulfill all your dreams. Well, you can get information about various lenders and the rate of interest and all other things related to the loan on the internet. Moreover, there are some lenders that give you the chance to apply for the loan by filling their online form. However, you will definitely have to be a little careful, so that you do not become the victim of any fraudulence.

The number of uninsured hospital admissions in Hamilton County more than doubled between 2004 and 2008, leaving local hospitals with barely three in 10 patients who have private insurance to pay for their care, according to a new report on health in the Chattanooga region.

The loss of commercially insured patients, whose insurance payments are significantly higher than those of government-sponsored insurance for the same services and treatments, has contributed to hospitals’ staggering losses to charity care.

In Hamilton County, hospital charity care losses totaled nearly million in 2008, compared to million in 2004.

More than million of the losses that year were absorbed by Erlanger Health System, Chattanooga’s safety net hospital.

Hospitals have felt the pain of providing more and more uncompensated care, said Craig Becker, president of the Tennessee Hospital Association.

But the pain doesn’t stop there. Employers and individual consumers are feeling it in the wallet, too.

As providers are forced to cost-shift their losses from uninsured patients to commercially insured patients, private insurers have raised their monthly rates to customers, contributing to more employers and individuals being unable to afford private insurance, Becker said.

“The big problem we’ve seen is nobody wants to pay for health insurance,” he said. “It’s kind of a death spiral of, the more people dropped (from insurance), the higher the commercial rates go, the more people dropped.”

Even as total hospital admissions declined by a few percentage points, uninsured admissions grew 123 percent between 2004 and 2008, driven by both cuts to TennCare and recent losses in employer-sponsored health care due to the economic recession, according to the report compiled by the Ochs Center for Metropolitan Studies and released today.

The annual Ochs report focuses on health in the six-county metro region including Hamilton, Marion and Sequatchie counties in Tennessee, and Catoosa, Dade and Walker counties in Georgia.

The 2010 report provides a sobering overview of local health statistics, from high smoking and obesity rates, to an age-adjusted death rate that exceeds the national average, and one of the state’s highest infant mortality rates, in Hamilton County.

“We tend to focus on those areas where it appears Chattanooga and Hamilton County lag, because from our perspective that means there’s an opportunity” for improvement, said David Eichenthal, president and CEO of the Ochs Center.

The report gives a detailed picture of the local health care system on the eve of the implementation of federal reforms, and on the heels of a severe economic downturn. A breakdown of who is paying for hospital patients’ care shows patients’ heavy reliance on government-funded health insurance.

Nearly two-thirds of 2008 hospital admissions were covered by government-sponsored health care: either TennCare, the state’s Medicaid program; Medicare, the federal program for the elderly; or Cover Tennessee, the report said.

Across the six-county metro region, 16.3 percent of people were enrolled in the state’s Medicaid program. One in four people in Sequatchie County get their health care through TennCare.

Emergency rooms locally also are experiencing a shift as the number of uninsured emergency department visits rose from 24,797 in 2004, to 40,140 in 2008, an increase of 61 percent. Visits from those with private coverage dropped from 70,534 to 67,605 in the same period.

Local emergency physician David Seaberg pointed out that total emergency room visits increased by 7.8 percent in that time period. However, the disproportionate rise in uninsured ER visitors could indicate that more uninsured people are skipping routine care and allowing illnesses to worsen into true emergencies, he said.

“You’re seeing the uninsured are often probably sicker when they go in, because they don’t have insurance and they do wait” to see a doctor, said Seaberg, who is dean of the University of Tennessee College of Medicine in Chattanooga.

The hospital industry supported the health care legislation passed into law in March, which is expected to bring millions of people into the private or public insurance marketplace, Becker said. But even if more people get covered, hospitals are still worried about low reimbursement rates from public programs like TennCare, which already play a major role in community hospitals’ budgets, he said. Today TennCare only pays 64 percent of a hospitals’ costs to provide care, he said.

“While it’s coverage, it’s problematic in terms of we still would have to do cost shifting,” he said.

DEATH TRENDS

Many of the major killers in the county are related to lifestyle factors, such as smoking and maintaining an unhealthy body-mass index. Of the 3,239 Hamilton County residents who died in 2008, the leading causes of death were heart disease, cancer, chronic lower respiratory disease, stroke, Alzheimer’s disease and diabetes, much like the national trends, the report said.

Obesity is a risk factor for almost all of those conditions.

In Hamilton County, half of people ages 18 to 34 were obese or overweight, compared to 74 percent of people 55 to 64. Sixty-three percent of people with a high school education or less were overweight, compared with 60 percent of college graduates. And 70 percent of people earning more than ,000 were overweight or obese, compared to 65 percent of those earning less than ,000.

Statistics notwithstanding, local residents have an optimistic view of their health, according to the report. Nearly two-thirds of Hamilton County residents reported that they are in excellent or very good health.

But black residents of Hamilton County were one-third less likely than whites to report being in excellent or very good health, and more than one-quarter reported they were in poor health.

Responses also varied by income level: 75 percent of people earning more than ,000 reported they were in excellent or very good health, compared to just 53 percent of those earning under ,000.

Racial disparities persisted in the report, as deaths from diabetes were 2.5 times higher among blacks than whites in Hamilton County, and heart disease-related deaths were 61 percent higher among blacks.

Other disparities were worrisome, and confusing, to researchers: Although cancer mortality rates were almost equivalent to the national rates, the Alzheimer’s death rate in Hamilton County was almost double the national rate.

Mortality from Alzheimer’s locally is also 31.4 percent higher than the statewide rate, and the reasons are unclear.

That disparity has been persistent since the Ochs Center first reported it in 2006, and warrants serious investigation, Eichenthal said.

“The reason we keep highlighting it is that it’s either a really interesting reporting issue, or a really serious health issue,” he said.

More elderly people moving to the area, as well as local doctors that are more attuned to a diagnosis of Alzheimer’s, are the likely reason for the statistic, said Dr. John Standridge, director of the geriatric medicine fellowship at the University of Tennessee College of Medicine in Chattanooga.

“Instead of a disease cluster in the area, I think doctors are just better at listing it” on death certificates, he said. “For a while, doctors wouldn’t even diagnose Alzheimer’s because they thought there wasn’t that much they could do about it, so they kind of brushed it under the carpet.”

BIRTH TRENDS

The health of babies born in Hamilton County is not equal across racial lines: Nearly 20 percent of babies born to black mothers weighed under 5.5 pounds, compared to about 7 percent for whites and Latinos.

Babies born underweight, typically those born premature, are at high risk for complications that can result in disabilities or death.

Single motherhood is also on the rise in Hamilton County. In 2008, 45.4 percent of Hamilton County births were to single mothers, compared with 39 percent in 2001. Nearly 82 percent of black mothers who gave birth in 2008 were unmarried.cq

On a national level, most of those single moms aren’t teens, said Julie Baumgardner, of First Things First, a nonprofit focused on strengthening families in Hamilton County. Unwed mothers tend to be women between the ages of 19 and 29, she said.

(In Hamilton County, births to teens between the ages of 10 and 19 declined from 14.8 percent in 2002 to 12.5 percent in 2008, following a steady increase in the earlier part of the decade.)

Much of the increase in unwed motherhood has to do with a growing cultural acceptance of the practice, Baumgardner said.

“People are definitely choosing to live together and have children together,” she said.

However, many are living in poverty without the help of the baby’s father, she said. All babies born to unwed mothers face greater risk for a slew of dangers: the risk for being abused, living in poverty, becoming an abuser or ending up in jail, she said.

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