Unlimited Hosting Is Limited HostingImagine a web host has a server with 600 gigabytes of hard drive space and 3000 GBs of total bandwidth (3 terabytes) per month. They offer plans that are “Unlimited” and 250 customers are already on the server, so that a total of 550 GB of space and all 3TB bandwidth has already been used this month.And the web host is still selling accounts on that server! How is this possible?OversellingThe answer is that the actual amount of space and bandwidth used by a hosting account is often much lower than the resource cap. Most web masters use only a small fraction of their allowed limit (if there is one). If the drives are full, a new one can be added. Bandwidth can be purchased to cover a small overage. This is what is known as “Overselling.”Most web hosts that oversell services do not take CPU resources into consideration. Processor resources are finite – you can’t just add in another on demand. And you, the hosted user, are stuck on a server that is constantly running all out just to keep up because of the sheer number of accounts hosted alongside you.Overselling is why there are are so many web hosting companies out there and why so many seem to open up or shut down every day. Existing companies oversell to the point that the service tanks, the user gets fed up and finds an new host that is also overselling – a big plan at a crazy price is hard to pass up. As more and more clients jump ship, the old hosts pick up speed and the new ones get crushed under the load.Overselling Sucks!Now, overselling and unlimited hosting plans are not universally bad. For most users, this kind of shared hosting is perfectly fine. However, some sites are more CPU intensive, relying heavily on databases and PHP. WordPress sites are a common example – as sites become more popular, larger, or add more features and plugins, it’s not necessarily the disk space or bandwidth that becomes strained, it’s the server’s RAM and processors.Many web hosts consider excessive use of these resources to be cause for canceling your hosting account. This is commonly called “TOS’ing” an account. Unlimited Hosting does not cover CPU resources. Having a popular site can actually be a violation of your Terms of Service!
How Do I Know How Overloaded My Server Is?Log into your cpanel. Click on “Service Status.” You should now see a table of stats and a row of colored circles. Here are some signs your server might be overloaded:1. Any of the status lights are NOT green
2. Any of the services are down
3. Server load is constantly over.90 (1 means NONE of the processors has cycles to spare)
4. Memory or Disk usage is consistently above 80%These are not signs that your site is a resource hog, only indicators of how hard your server is working to serve all the hosting accounts. Just because your site is not a CPU hog doesn’t mean someone else’s site isn’t making yours slow and unstable.What Can I Do To Limit My Resource Use?Here are some ideas to keep your account from getting canceled:1. Use a cache. There are several different cache plugins available for WordPress. Caches store data that can be reused for multiple users, instead of having the site reload data from the database every time a visitor makes a request.2. Use a CDN. Content Delivery Networks store your site’s most commonly used files offsite and deliver them directly to your visitors.3. Make fewer database calls. Using fewer WordPress plugins, or forum extensions will easy the load on your database server.These tips will will also make your site faster.Help! My Web Host TOS’d Me Off My Unlimited Hosting Plan!If your site gets shut down for resource abuse, you have a few options:1. You can rent a virtual private server or dedicated server. This can be expensive, especially if you are not an experienced server administrator and need a “managed” solution.2. You can try signing up for another unlimited plan at another web host, but be sure to limit your resource use from now on, or you’ll probably get in trouble again.3. Find a shared hosting provider that does not oversell. Web Hosts that do not oversell are rare and usually charge higher rates than more popular oversold web hosts, but are far cheaper and easier to use than dedicated or virtual servers.
Does Unlimited Web Hosting Really Mean Unlimited Web Hosting?
10 Things Every Buyer Needs – To Close A Commercial Real Estate Loan
For nearly 30 years, I have represented borrowers and lenders in commercial real estate transactions. During this time it has become apparent that many Buyers do not have a clear understanding of what is required to document a commercial real estate loan. Unless the basics are understood, the likelihood of success in closing a commercial real estate transaction is greatly reduced.Throughout the process of negotiating the sale contract, all parties must keep their eye on what the Buyer’s lender will reasonably require as a condition to financing the purchase. This may not be what the parties want to focus on, but if this aspect of the transaction is ignored, the deal may not close at all.Sellers and their agents often express the attitude that the Buyer’s financing is the Buyer’s problem, not theirs. Perhaps, but facilitating Buyer’s financing should certainly be of interest to Sellers. How many sale transactions will close if the Buyer cannot get financing?This is not to suggest that Sellers should intrude upon the relationship between the Buyer and its lender, or become actively involved in obtaining Buyer’s financing. It does mean, however, that the Seller should understand what information concerning the property the Buyer will need to produce to its lender to obtain financing, and that Seller should be prepared to fully cooperate with the Buyer in all reasonable respects to produce that information.Basic Lending CriteriaLenders actively involved in making loans secured by commercial real estate typically have the same or similar documentation requirements. Unless these requirements can be satisfied, the loan will not be funded. If the loan is not funded, the sale transaction will not likely close.For Lenders, the object, always, is to establish two basic lending criteria:1. The ability of the borrower to repay the loan; and2. The ability of the lender to recover the full amount of the loan, including outstanding principal, accrued and unpaid interest, and all reasonable costs of collection, in the event the borrower fails to repay the loan.In nearly every loan of every type, these two lending criteria form the basis of the lender’s willingness to make the loan. Virtually all documentation in the loan closing process points to satisfying these two criteria. There are other legal requirements and regulations requiring lender compliance, but these two basic lending criteria represent, for the lender, what the loan closing process seeks to establish. They are also a primary focus of bank regulators, such as the FDIC, in verifying that the lender is following safe and sound lending practices.Few lenders engaged in commercial real estate lending are interested in making loans without collateral sufficient to assure repayment of the entire loan, including outstanding principal, accrued and unpaid interest, and all reasonable costs of collection, even where the borrower’s independent ability to repay is substantial. As we have seen time and again, changes in economic conditions, whether occurring from ordinary economic cycles, changes in technology, natural disasters, divorce, death, and even terrorist attack or war, can change the “ability” of a borrower to pay. Prudent lending practices require adequate security for any loan of substance.Documenting The LoanThere is no magic to documenting a commercial real estate loan. There are issues to resolve and documents to draft, but all can be managed efficiently and effectively if all parties to the transaction recognize the legitimate needs of the lender and plan the transaction and the contract requirements with a view toward satisfying those needs within the framework of the sale transaction.While the credit decision to issue a loan commitment focuses primarily on the ability of the borrower to repay the loan; the loan closing process focuses primarily on verification and documentation of the second stated criteria: confirmation that the collateral is sufficient to assure repayment of the loan, including all principal, accrued and unpaid interest, late fees, attorneys fees and other costs of collection, in the event the borrower fails to voluntarily repay the loan.With this in mind, most commercial real estate lenders approach commercial real estate closings by viewing themselves as potential “back-up buyers”. They are always testing their collateral position against the possibility that the Buyer/Borrower will default, with the lender being forced to foreclose and become the owner of the property. Their documentation requirements are designed to place the lender, after foreclosure, in as good a position as they would require at closing if they were a sophisticated direct buyer of the property; with the expectation that the lender may need to sell the property to a future sophisticated buyer to recover repayment of their loan.Top 10 Lender DeliveriesIn documenting a commercial real estate loan, the parties must recognize that virtually all commercial real estate lenders will require, among other things, delivery of the following “property documents”:1. Operating Statements for the past 3 years reflecting income and expenses of operations, including cost and timing of scheduled capital improvements;2. Certified copies of all Leases;3. A Certified Rent Roll as of the date of the Purchase Contract, and again as of a date within 2 or 3 days prior to closing;4. Estoppel Certificates signed by each tenant (or, typically, tenants representing 90% of the leased GLA in the project) dated within 15 days prior to closing;5. Subordination, Non-Disturbance and Attornment (“SNDA”) Agreements signed by each tenant;6. An ALTA lender’s title insurance policy with required endorsements, including, among others, an ALTA 3.1 Zoning Endorsement (modified to include parking), ALTA Endorsement No. 4 (Contiguity Endorsement insuring the mortgaged property constitutes a single parcel with no gaps or gores), and an Access Endorsement (insuring that the mortgaged property has access to public streets and ways for vehicular and pedestrian traffic);7. Copies of all documents of record which are to remain as encumbrances following closing, including all easements, restrictions, party wall agreements and other similar items;8. A current Plat of Survey prepared in accordance with 2011 Minimum Standard Detail for ALTA/ACSM Land Title Surveys, certified to the lender, Buyer and the title insurer;9. A satisfactory Environmental Site Assessment Report (Phase I Audit) and, if appropriate under the circumstances, a Phase 2 Audit, to demonstrate the property is not burdened with any recognized environmental defect; and10. A Site Improvements Inspection Report to evaluate the structural integrity of improvements.To be sure, there will be other requirements and deliveries the Buyer will be expected to satisfy as a condition to obtaining funding of the purchase money loan, but the items listed above are virtually universal. If the parties do not draft the purchase contract to accommodate timely delivery of these items to lender, the chances of closing the transaction are greatly reduced.Planning for Closing CostsThe closing process for commercial real estate transactions can be expensive. In addition to drafting the Purchase Contract to accommodate the documentary requirements of the Buyer’s lender, the Buyer and his advisors need to consider and adequately plan for the high cost of bringing a commercial real estate transaction from contract to closing.If competent Buyer’s counsel and competent lender’s counsel work together, each understanding what is required to be done to get the transaction closed, the cost of closing can be kept to a minimum, though it will undoubtedly remain substantial. It is not unusual for closing costs for a commercial real estate transaction with even typical closing issues to run thousands of dollars. Buyers must understand this and be prepared to accept it as a cost of doing business.Sophisticated Buyers understand the costs involved in documenting and closing a commercial real estate transaction and factor them into the overall cost of the transaction, just as they do costs such as the agreed upon purchase price, real estate brokerage commissions, loan brokerage fees, loan commitment fees and the like.Closing costs can constitute significant transaction expenses and must be factored into the Buyer’s business decision-making process in determining whether to proceed with a commercial real estate transaction. They are inescapable expenditures that add to Buyer’s cost of acquiring commercial real estate. They must be taken into account to determine the “true purchase price” to be paid by the Buyer to acquire any given project and to accurately calculate the anticipated yield on investment.Some closing costs may be shifted to the Seller through custom or effective contract negotiation, but many will unavoidably fall on the Buyer. These can easily total tens of thousands of dollars in an even moderately sized commercial real estate transaction in the $1,000,000 to $5,000,000 price range.Costs often overlooked, but ever present, include title insurance with required lender endorsements, an ALTA Survey, environmental audit(s), a Site Improvements Inspection Report and, somewhat surprisingly, Buyers attorney’s fees.For reasons that escape me, inexperienced Buyers of commercial real estate, and even some experienced Buyers, nearly always underestimate attorneys fees required in any given transaction. This is not because they are unpredictable, since the combined fees a Buyer must pay to its own attorney and to the Lender’s attorney typically aggregate around 1% of the Purchase Price. Perhaps it stems from wishful thinking associated with the customarily low attorneys fees charged by attorneys handling residential real estate closings. In reality, the level of sophistication and the amount of specialized work required to fully investigate and document a transaction for a Buyer of commercial real estate makes comparisons with residential real estate transactions inappropriate. Sophisticated commercial real estate investors understand this. Less sophisticated commercial real estate buyers must learn how to properly budget this cost.ConclusionConcluding negotiations for the sale/purchase of a substantial commercial real estate project is a thrilling experience but, until the transaction closes, it is only ink on paper. To get to closing, the contract must anticipate the documentation the Buyer will be required to deliver to its lender to obtain purchase money financing. The Buyer must also be aware of the substantial costs to be incurred in preparing for closing so that Buyer may reasonably plan its cash requirements for closing. With a clear understanding of what is required, and advanced planning to satisfy those requirements, the likelihood of successfully closing will be greatly enhanced.
The Art Institutes Offers Educational Assistance For International Students
The Art Institutes (often commercially abbreviated and stylized as AI) is a collection of private, for-profit educational institutions for career preparation in the visual, creative, and applied arts, including design, media, fashion, and culinary programs. Nowadays there are forty five Art Institutes located in major cities across North America, and have over 125,000 graduates. The Art Institute Online, a division of The Art Institute of Pittsburgh, also has online courses available. The AI awards master’s degrees, bachelor’s degrees, associate’s degrees, and non-degree-program certificates. AI is headquartered in Pittsburgh, and is a division of Education Management Corporation (EDMC). Educational accreditation of The Art Institutes and their programs varies among campuses and programs.At the present day the Institutes announced that they will help to both, the domestic students and the international students from the universities in New Orleans, southern Louisiana, Mississippi and Alabama universities. These universities were closed on the indefinite term after the damaging cause of the Hurricane Katrina. All the students appeared without homes and educational establishments. And the Institutes decided to take care of those students and take them to continue their studying.All the AI will provide for the international students both on-campus and online courses. This will give to students the opportunity to continue their academic studies, even at the distance. They can succeed in their academic careers during this semester of disruption. Students who were to finish their study because of the Hurricane Katrina can be registered at any of the Art Institutes. There are thirty one locations in the country where students can enter. The international students can be enrolled for courses on a space-available basis for the fall semester.This terrible event took place in 2005. That was the beginning of the semester, thus students have paid their tuition. That is why the Institutes will waive tuition for those students who have already registered and paid their tuition at their home institutions for the fall semester. But in the case if they have not yet paid their tuition at their home institution, they will be given the lesser of the current published tuition and fees at the home institution. The school president mentioned that the AI have already published tuition and fees for the fall semester.The president of the Art Institutes Dave Pauldine said that they would try to assist the poor students whose lives and education have been impacted by the Hurricane Katrina. He also said that the AI were the only way for students to continue their studies and to improve their skills. These institutes offered that initiative as the way to reach out to the students in the Gulf Coast region whose lives were endangered by the Hurricane Katrina in the 2005.The Institutes is a group of thirty one (that was the number of institutes in 2005) higher educational establishments which are located throughout North America. They offer a wide range of educational programs among which are audio production, culinary arts, culinary management, fashion design, fashion marketing, graphic design, industrial design technology, interior design, media arts & animation, multimedia & Web design, photography, restaurant management and video production. These are not the all programs which are offered, they are more numerous in number. The Institution offer a lot of programs which are not available in others higher educational establishments.The AI operate in different towns and cities all over the North America. There are representatives of the Art Institutes in Atlanta, Arlington, VA (as The Art Institute of Washington), Boston (as The New England Institute of Art), Charlotte, Chicago and Schaumburg, IL, Cincinnati (as The Art Institute of Ohio – Cincinnati), Dallas, Denver, Fort Lauderdale, Houston, Las Vegas, Los Angeles (as The Art Institute of California – Los Angeles and California Design College), Miami (as Miami International University of Art & Design), Minneapolis, New York, Orange County, CA, Philadelphia, Phoenix, Pittsburgh, Portland, San Diego, San Francisco, Seattle, Tampa, Toronto, Vancouver (as The Art Institute of Vancouver, York, PA (as Bradley Academy of the Visual Arts) and The Art Institute Online, a division of The Art Institute of Pittsburgh.The Art Institute of Pittsburgh – Online Division, is a part of The AI system of schools with more than 40 locations throughout North America. The Institute of Pittsburgh – Online Division was launched in 2000.Founded in 1921, The Institute of Pittsburgh supports online programs with more than 85 years of excellence. With 16 academic programs, The Art Institute of Pittsburgh – Online Division is the leader in online creative arts education. The Institute of Pittsburgh is accredited by the Accrediting Council for Independent Colleges and Schools (ACICS). The AI of Pittsburgh is authorized by the Pennsylvania Department of Education to award Bachelor of Science and Associate of Science degrees. It provides courses that are designed using the same curriculum taught at The Institute of Pittsburgh. The big advantage is you can attend class fully online and at anytime to fit your busy schedule. At The Institute of Pittsburgh – Online Division, you’re in control. At graduation you will receive a degree or diploma awarded from The Institute of Pittsburgh. You will be invited to attend your graduation ceremony in Pennsylvania where you can walk with your cap and gown. You can also participate in our portfolio review show, where you can present your work to potential employers.From this article you received the information about the creativity and a good organization of the Institutes, which agreed to help those poor students who were endangered by the Hurricane Katrina. They have lost their homes and the places of education, but the Art Institutes gave them the opportunity to continue their education and received the ability to study. These institutes gave those students the ability to build their careers and to make them successful. These institutes made the act of kindness when they present them one more chance to make a successful life and career.