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Learning More About Horses at an Equestrian School

Riding and understanding horses is an ancient art form. It’s also an exact science that has been taught for hundreds of years. Because of this, the necessary skill sets involved in passing on the equine arts can be taught by accredited teaching facilities and learned by a willing student. There are many schools that do teach this art form in America. There are also some private schools that incorporate equine training into their curriculum. Whether you are a beginner or you have some experience under your belt, the best avenue to pursue your dreams of a career in the art of horses, horse riding, and horse farm management is with an education at a quality equestrian school.

Equine schools or classes focus on and teach everything from riding, animal health and horse farm management to competitive horse riding and showing. Like any regular education, the earlier you start the better. In the long run more experience and education about the various aspects of horses, riding, and competition, the better for the student who has decided he wants to pursue this as an adult. One of the things to look for in picking an equestrian school is its certification status. Is the school accredited and certified? Are the instructors experienced? Do they have a range of instruction options available from beginner to advanced horsemanship show and management? All of these items are important especially if you are thinking about a career in horse riding, training, management, or show. Once you have determined the applicability of these to your choices the next fact to consider is your learning expectations. Do you want to jump into this area on a full-time basis or gradually slip into the learning environment to see if it is a good fit with your expectations? This is where you would need to work with the available schools and instructor’s schedules to set an initial pace for your learning.

Another factor that many people are unaware of is that equestrian school classes can be and are an integral part of the some of the academics offered at many of the better private schools in the country. With horse training being a part of the over-all private school experience, equestrian school courses will take the normal private school out of the ordinary and place it in a class that sets it apart from the normal to a special category all its own. Along with English, math, and science courses, schools offering classes in horsemanship should offer courses from beginner to advanced rider, proper horse management, show riding, dressage, and jumping classes. Like all private schools a good equestrian school will have many available payment options and scholarships available for application and use by potential students.

As part of your education, most horsemanship schools or schools that offer horseman classes will also have available show competitions. These competitions will be both regional and national in nature that the aspiring students can compete in to round out their riding and management skills. Competition is an important aspect of mastering any particular skill set as all competitions are designed to hone and sharpen your abilities.

The Importance of Case Studies in Management Education

If you try and notice the education sphere today, there is a lot of buzz about students enrolling themselves in good established management schools and wanting to acquire their management education. Experts believe this is majorly because of the rising competition in the business sphere. A business school becomes very helpful for students because it has a theoretical as well as practical approach towards the topics and subjects of the student’s choice. These management education courses are practical because they include case studies; that is real life business situations that have occurred in major companies, along with how the company resolved the issues to rise to the top again. This is of tremendous help to a beginner manager while he is learning to apply his knowledge in a way that will get maximum benefits for his company.

After studying a number of case studies thoroughly, the students are assigned projects in order to help them develop various managerial skills like those of leadership, decision-making ability, motivational speaking ability, etc. Thus, management education hugely contributes to the overall growth of an aspirant and converts him into a thorough professional who is ready to enter the business field confidently. This is what gives individuals an edge over the others during job interviews. Thus as a result of all this, there are so many people who want to do courses from business schools.

Why these business schools are different is because they work on the problem areas of the students and teach them take not just decisions but responsibility for them as well. Initially the student is asked only to observe case studies. During this stage, the student learns to investigate and analyze the situation of the company at that particular point in time. The observation skills of the students increase tremendously during this first stage of solving case studies.

Further on, the students are asked to imagine themselves as professionals in the industry and devise solutions for the set of business problems that the company is facing at that time. This is where the students learn to strategically plan and brainstorm with the objective of coming up with good solutions. These projects also help to enhance team building skills of the students. The feedback of the professors who are actually experienced industry professionals lets the students know where they actually stand with respect to the actual business sphere. This is very important because it is a reality check that goes a long way in motivating students to pull up their socks and do all it takes to reach a respectable position with respect to the actual business sphere.

Getting An Investment Property Loan – Is It The Right Property?

This article was written for individuals who are attempting to undertake an investment property loan. In today’s market, it is not good enough to be a strong borrower. So we will discuss the dissimilarities between residential loans and commercial loans. Understanding the difference will help you get your investment property qualified for a investment property mortgage.

I will attempt to explain to you as to “the who, what, and why” of commercial mortgage loan. A big part of your success as a commercial investor is in choosing the right property. What follows is the straight scoop on commercial lending.

One of the most important difference between commercial and residential loans is commercial lenders lend their own money. When you apply to a residential bank or some residential financial institution, they underwrite the loan and then sell the loan to FNMA or FHLMC. The residential bank is repaid the money. Once the loan has been sold to FNMA or FHLMC, the residential lender will keep the servicing rights. Fannie or Freddie then bundle all those loans and pass them through to investors such as mortgage backed securities. In other words, the bank is not really lending their own money.

Commercial investment property loans are different because when you deposit funds into a bank account, the commercial lender turns around and loans out the money to companies like yourself. In commercial mortgage loans there is no giant like FNMA as in residential lending waiting to reimburse the bank.

If an investment property mortgage goes into default from non payment then the bank is stranded with a bad performing loan unless they can sell the property for a profit. Because of this, they are much more discriminating than they would be with residential loans.

Since 80% of all businesses fail within 2 years, the commercial bank knows that if someone does fall into financial difficulty the borrower will let their commercial investment go before their residence. And because investment property loans are commercial loans; the guidelines for underwriting are much stricter on investment property loans. Also understand that each piece of property is completely different and each type of commercial property is underwritten differently. Investment property financing are deal-specific.

In today’s market you have to be a strong borrower and have a strong cash flowing property or no one will loan you the money. The most important part of the commercial underwriting process is the PROPERTY.

I had a client that was mad that his loan was denied by our underwriter for commercial mortgage loan. His message was something like this:

“You are an incapable idiot! Lenders should be knocking on my door because I have lots of assets, impeccable credit, considerable income, and a property worth $600,000. I should have no problem getting $390,000 cash out.”

The issue with the commercial loan wasn’t the borrower. The reason we denied the client was the property was losing money. The borrower thought his property was worth $600,000 but based on the cash flow, it would not appraise for more than $200,000. No one is going to loan $390,000 on a place only worth $200,000!

Through discussing the issue with the client, we discovered he had been trying to get a commercial mortgage loan approved for some time! The good news is that we were still able to find investment property financing for this client through another program. And even better news is that if your deal is strong and you utilize a knowledgeable commercial broker or lender, there is commercial money available. Now you know why commercial lenders are more vigilant when it comes to lending their own money.