Sabal Financial Group Closes on For-Sale Residential Construction ...

NEWPORT BEACH, CA ? (Marketwire) ? 08/21/12 ? Sabal Financial Group, L.P. has announced the closing of a $4 million construction loan for 12 detached single-family residences through the company?s recently launched builder lending program. The loan borrowers ? Bali Construction, Wes Keusder of Keusder Homes and Bart Hornstein of Core Real Estate Services ? will develop the project, scheduled to be completed in 2013.

?This transaction represents Sabal?s commitment to provide construction lending to established middle-market homebuilders,? said Pat Jackson, CEO of Sabal Financial Group. ?Sabal has identified a great opportunity to meet the needs of experienced builders who are actively pursuing quality development opportunities.?

The project, located in Torrance, CA, meets Sabal?s goal of financing well-located infill projects that exhibit competitive market advantages. The proposed development is within walking distance of Del Amo Fashion Center and Torrance Civic Center, is close to several South Bay beaches and is near major employment centers. Convenient access to the site is provided via the 110 and 405 Freeways.

?This is the type of project that Sabal is looking to finance,? said Tom Farrell, who leads Sabal?s builder lending program, which recently launched in June 2012. ?It exhibits sound feasibility, quality design and the infill nature of the development gives it a defined competitive market edge.? Farrell, a 26-year industry veteran, previously served as the top executive in Bank of America?s homebuilder division.

?With employment centers, strong regional amenities and the Pacific coastline nearby, the demand for quality housing in this region is strong and Sabal?s financing is helping us meet the demand,? added Bart Hornstein.

Sabal provides construction loans for entry-level to luxury residential projects, including detached single-family homes, townhomes and condominiums.

?At the heart, we are real estate investors,? said Pat Jackson. ?Sabal?s focus on the fundamentals of the project over the financials of the borrower means creativity and flexibility in funding, in many cases allowing Sabal to offer non-recourse construction and A&D loans secured with completion-only guarantees.?

Non-recourse loans are highly appealing to developers, especially given the difficulty over the past several years in accessing construction loans. Sabal lends in the $3 million to $35 million range, providing loans of up to 80% of project cost or 75% of value, flexible pricing and terms of 12 to 36 months for qualifying projects.

?Sabal?s builder lending platform is providing financing to a currently underserved market of homebuilders,? said Wes Keusder who was recently selected for induction into the California Building Industry Association (CBIA) Hall of Fame at PCBC 2012. ?We are happy to be among the first of their clients as they launch this valuable financing source to the industry.?

About Sabal Financial Group

Sabal Financial Group, L.P. is a nationwide diversified financial services firm specializing in the acquisition, valuation, management and servicing of commercial real estate and acquisition, development and construction (ADC) loans and mortgages. Sabal Financial Group provides credit advisory services and loan portfolio management and performance assessments for investment and commercial banks, including capital assessment based upon portfolio and ALLL analysis. Sabal also provides construction and A&D loans to established middle-market residential builders in California, Washington and Oregon. Sabal Financial Group is a privately held company that has approximately $4 billion under management and is led by a senior management team with extensive banking and real estate expertise in both the governmental and private sector. Sabal Financial Group is headquartered in Newport Beach, CA, with offices in Pasadena, CA, Miami, Washington, DC, Greenville, SC and New York City. www.sabalfin.com

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Source: http://www.nearshorejournal.com/2012/08/sabal-financial-group-closes-on-for-sale-residential-construction-loan-under-new-builder-lending-program/

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Storage Servers Benefits Large and Small Scale Companies ...


Internet and Technology | Computers and Technology | * Written by petricam | Tuesday, 21 August 2012 01:13 | Word Count: 625

In today?s modern day world computing devices are the most essential and effective tools. Almost every enterprise and business organization depends on a set of techniques that are based on computer along with software engineering processes for saving data and implementing various services and productions.

By using a server, it is possible for multiple computers having a huge central storage unit rather than having several areas of storage. This is what makes it simple to have the access to any kind of data files kept in one unit rather than searching for it on all computers that are connected to the network. In case of small scale business companies, a NAS, known as network attached server is adequate to cater to the requirements. However, its primary objective is to make the data accessible from the computers that are linked to the network. The process is very similar to an external hard disk drive that facilitates access of data for computing devices as well as data storage. Alternatively, a storage server can be designed with a complementary operating system that can possess multiple functions for instance data management, web-based interface and storage reporting.

A storage server is a unique way to share common data from a group of members. These servers are further associated to a network and enable any user connected to that particular network to store data and files on that server. In the past few years, storage servers have become extremely reasonably priced than before. As a result of which, they are not used by huge MNC?s but also by small businesses. Furthermore, for home users and small businesses it is simpler than ever to own their storage server. The benefits of creating and installing a server for storing data has its own benefits, more so if the data is required to be shared amidst multiple users.

Today eminent companies dealing in custom computer systems offer innovative storage server solutions that are that are cost-efficient, highly reliable, provides excellent performance and are energy efficient. They are ?built-to-order? generic purposes and are appropriate for companies of all kinds and sizes. These service providers efficiently configures the consumers? operating system and software in order to function at an optimal level and provide any feature that is required for new custom servers. Furthermore, innovative enterprise storage server solutions offered by leading brands also offer versatile blade server with numerous processor and speed combination that are completely optimized for any critical mission data center application and server consolidation.


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3 men linked to Jordan's Paralympic squad arrested

[unable to retrieve full-text content]LONDON (AP) ? Three men linked to Jordan's Paralympic team were arrested in Northern Ireland following allegations of indecent assault, British media reported Tuesday. It was not clear if the men were athletes or supporting members of Jordan's team.

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-08-21-Britain-Paralympics-Arrest/id-32072af9a565451eb3770d5df44a5b65

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Program using homeless puppies to curb panhandling draws ire of PETA

A new community program that pairs homeless puppies with formerly homeless people is being tested in San Francisco and has drawn the ire of the People for the Ethical Treatment of Animals, which calls the plan "puppy Russian roulette."

Organizers of the pilot program, which launched Aug. 1, say the pound pups?who are matched with caregivers until a permanent home can be found?would otherwise be candidates for euthanasia. And they say the? participants?now living in supportive housing and being paid a weekly $75 stipend to care for the puppies?are often inspired to improve their own lives.

"We've heard story after story of people getting their life on track because of an animal," Rebecca Katz, director of San Francisco's Animal Care and Control, told the Associated Press.

Bevan Dufty, who is spearheading the so-called WOOF ("Wonderful Opportunities for Occupants and Fidos") plan, says it's a constructive way of curbing the city's panhandling problem.

"I'm tired of pushing people around," Dufty told the San Francisco Chronicle last month. "You can make it difficult for people to panhandle, but ultimately they're just going to go do it somewhere else. Why not try to meet their needs for income in a way that helps the city and its animals?"

Because people with a history of substance abuse should not be given the responsibility of caring for animals, PETA says, and that the money would be better spent on funding spaying and neutering programs.

The organization fired off a letter to San Francisco Mayor Ed Lee slamming the initiative.

"Handing over troubled animals to troubled people will save neither, and it places both at risk of injury, further trauma, and a bad end," PETA wrote. ""Most former panhandlers are financially destitute because of struggles with substance abuse and mental-health issues. Placing any animal with them is risky at best, it should be out of the question to play Russian roulette with these animals, allowing them to be used as lures or pawns."

The organizers say the homeless caregivers are not allowed to panhandle and must go through a mental health screening before they're matched with a stray pooch.

That's not good enough for PETA:

They say nothing about the foster caregivers' lack of experience dealing with traumatized dogs with special needs who are "rowdy, hyper or too shy to interact with humans." The last thing the city's most vulnerable dogs need is to be put in a precarious situation and exposed to improper, counterproductive, or cruel training methods, which could result in their being bounced from one foster home to another and make their behavior problems worse, not better.

PETA says it has offered $10,000 to the city of San Francisco to pay participants "to perform any other service for the city, such as leafleting for spaying and neutering. (Earlier this month, PETA and "Celebrity Rehab" host Dr. Drew Pinsky launched a "Cure for Animal Homelessness" campaign advocating the spaying and neutering of pets.)

This isn't the first time a plan to pay homeless or once homeless people for a community service has come under fire. In March, a marketing firm strapped wireless Internet devices to 13 homeless people in Austin, turning them into walking "Homeless Hotspots" during South by Southwest. The stunt was met with an immediate backlash.

BBH, the marketing firm behind the campaign, partnered with Front Steps, an Austin homeless advocacy group, to "employ" the participants. The money that attendees paid for Internet access ($2 for 15 minutes of Wi-Fi access) went directly to the homeless individuals.

The reaction to the publicity stunt has been critical to say the least. "It is a neat idea on a practical level," David Gallagher wrote on the New York Times' Tumblr, "but also a little dystopian. When the infrastructure fails us ... we turn human beings into infrastructure?"

Source: http://news.yahoo.com/blogs/sideshow/puppies-homeless-peta-195343645.html

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[Business Ethics Articles] Can Business Be Ethical And Successful?

Forgiveness Vs Acceptance: What Works Best for You?

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Can Business Be Ethical And Successful?

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Have We Forgotten Our Manners?

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Source: http://pojokindah.com/Business+Ethics+Articles

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Ducks in a Row: The Life of a Stay At Home Mom

This post is part of a series I did about a year ago about being a Stay at Home mom. ?I am re-posting it today.

I have been a stay at home mom since my oldest was born, about 10 years ago.??I graduated college with a degree in elementary education and taught kindergarten and first grade for several years before I started having babies.? I loved teaching - I still do.? AND, I think I was pretty good at it!? BUT, the whole time I was teaching, I just wanted to be on the mommy side!? That is where my heart is!?

Biggest reward of being a SAHM?

You know when your child is trying something new and they get it?? There is a split second when they glance at you to see if you are watching.? Catching those glances is a huge reward!? Sometimes, when I am downstairs making breakfast in the kitchen, I can hear footsteps coming down the stairs.? Knowing exactly which child that is without seeing them is a reward.? I'm not sure I can label the biggest reward!? Simply put, it's knowing who my child is and being able to be with them!

Biggest reward for you or your family having you as a SAHM?

I think the biggest reward is the security and confidence it gives my children.?They know I am around and have chosen to be with them over anything else!? They know I used to teach school and gave it up to be with them!? They also know that there is no other place I'd rather be.? How reassuring would that be to know there is someone out there who loves you so much that she didn't want to miss part of your life?!

Do you work from home now or have a side business or craft?

I do - I teach about 12 piano students a week out of my home.? My students know, however, that I am a mommy first and will most likely be holding a child, or answering their questions during the lesson.? I have been teaching piano for about 12 years and my children don't really know any different.? They usually just play during the lessons.

?What do you miss about not working, if at all??

I miss the students!? I still have several that I receive Christmas cards from!

Was it a hard decision to leave the working world or was it the obvious choice all along?

For our family, it was kind of a given that I would stay home.? My husband and I had several walks before we were even married where we talked about our future.? It has always been part of my plan.? There have been many sacrifices made in order for us to do this.? I'm blessed with a hard working husband who has a fantastic job, but there are still monetary cuts that we have to make and that we choose to make.

?

One of my favorite quotes from Harold B. Lee says "Today I feel that women are becoming victims of the speed of modern living. It is in building their motherly intuition and that marvelous closeness with their children that they are enabled to tune in upon the wavelengths of their children and to pick up the first signs of difficulty, of danger and distress, which if caught in time would save them from disaster. To the sisters, this means they must make a career of motherhood. They must let nothing supersede that career!"? I do feel that there is a difference between just being at home with your children and making? a career of motherhood!? I know our family has been blessed in countless ways from our choice to stay at home!

Source: http://www.ducksinarowblog.com/2012/08/the-life-of-stay-at-home-mom.html

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Blueberry Mint Agua Fresca - Family Fresh Cooking

Blueberry-Mint-Agua-Fresca-Marla-Meridith-IMG_7933

Guess what today is? A very special day to celebrate my super friend Jenny (aka: Picky Palate) Jenny is having a baby boy really soon and a group of gals are having a virtual baby shower for her! I have decided to bring a cool, summery Blueberry Mint Agua Fresca (healthy fruit punch) to the celebration.

This refreshing drink is simple to prepare and is oh so party pretty.

Jenny, we are all so excited for you and your family, we can?t wait to meet your little guy!

Jenny-Shower-Invite

I hope you like this little invite I made for you. A little blue and green, perfect for a baby boy.

Blueberry Mint Agua Fresca is vibrant and tasty for a super fun day of celebrating.

Blueberry-Mint-Agua-Fresca-Marla-Meridith-collage

Top your fresca with some edible flowers for a vibrant twist.

Add a few springs of fresh mint too.

Remember the Sweet Honey Mint Green Tea I posted recently? That will be your base for this.

Blueberry-Mint-Agua-Fresca-Marla-Meridith-IMG_7903

Have any of you been to a baby shower lately? ?I have not for reals.?It is so fun that we can all get together online to celebrate friends and loved ones.

Jenny, I sure hope that you are enjoying your surprise party. So many of your online friends have created stunning recipes and creations for you today.

By the way, we are all sooooo excited about your upcoming cookbook too!

Blueberry-Mint-Agua-Fresca-Marla-Meridith
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Blueberry-Mint-Agua-Fresca-Marla-Meridith-IMG_7905

Have you ever thrown a baby or a bridal shower? What do you like to prepare?

Blueberry Mint Agua Fresca

Ingredients

  • 10 ounces fresh Blueberries
  • 1 handful fresh Mint Leaves
  • Honey to taste (about 60 grams), or use your favorite natural sweetener
  • Juice from 1 lemon
  • 6 cups Cold Water
  • Optional

  • Extra Mint Sprigs for garnish
  • Edible Flowers

Method

  • Bring blueberries to a boil with 1 cup of water. Reduce to a simmer. Mash them on the side of the pan with the back of a spoon so they burst open. Add the lemon juice and mint leaves. Simmer for another 5 minutes. With a fine mesh sieve, strain juice into a bowl. Discard solids. Combine with 6 cups cold water. Add honey to taste and refrigerate until cold. Serve with lots of ice.
  • Notes

  • The amount of sweetener you will need depends upon how sweet your fruit is to begin with. Add sweetener slowly if needed at all.

1.3

http://www.familyfreshcooking.com/2012/08/20/blueberry-mint-agua-fresca-recipe/

Copyright ? 2009 Marla Meridith {FamilyFreshCooking.com}. All Rights Reserved.

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Agua Fresca / Fruit Punch Recipe Links

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Increase Your Ranking Report Through Ranking Monitoring ...

Ranking Reports are ?rank checks? via some study. It is very important for a internet based entrepreneur to remain amongst the initial handful of searchers among his million competitors in the same along with other internet pages. There are numerous rank monitoring web pages on the net that furthermore of informing you of your web-site ranking they also monitor/ manage your ranking continuously. It becomes much easier for you to check your position with other related results by means of the use of Suchmaschinen ranking.

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They make your web marketing technique prosperous by means of a process identified as Search engine optimization or Seo. It is a measure of popularity that makes your internet presence useful. They monitor the position of one?s website in the search pages of critical search engines like google with associated metrics by way of competitive analysis, for instance, Google Pagerank, Indexed pages, Backlinks and other people.

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