Philip Zappacosta – Nanni Couture

Nanni Couture: Your destination in Toronto for men’s and women’s designer clothing collections from Milan, London and New York.  Trust our professional image consultants to build a personalized wardrobe for your business and social requirements.  Visit us in-store today or view our website for more information Made to measure and alterations also offered.

My name is Philip.  I am one of the founding partners of our privately-owned, designer clothing store in the heart of Yorkville in Hazelton Lanes Shopping Centre: Nanni Couture.  Founded in 1991, we have build our business through servicing our clients and building professional relationships with them.  Through personal consultation we ensure your business and casual clothing requirements are met and that you convery an image of confidence, success and sophistication.  Experience Nanni Couture today, come in and see us.

Philip Zappacosta
Nanni Couture
Location: Hazelton Lanes Shopping Centre – 87 Avenue Rd, Toronto, ON, M5R 3R9
416.961.0033 phone
416.961.7650 fax

Mike Bradford – Business Coach & Consultant

Mike Bradford is a coach and associate with “Coaching for Action”, a firm that offers individual & organizational transformation for businesses.

Mike has been engaged in Consulting and Project Management for more than 10 years and overall more than 25 years in the Financial Services Industry. He has led consulting assignments in both Canada and the USA and has demonstrated the ability to produce extraordinary business results and to empower his clients to have ownership of these implemented solutions.

With these deep business skills, Mike is now supporting Entrepreneurs and Small Businesses as an Executive Coach & Consultant. He has worked with some of the best coaches in the business and is focused on the people side of business as access to producing extraordinary results. Having studied and coached inside of transformational programs for more than 14 years, Mike is an accomplished coach, program leader and is currently working on his first book.

Coaching for Action

Coaching for Action Inc. assists leaders and managers to create a shift in business performance that is regarded as exceptional under any circumstances. We use proven tools and approaches to help you identify the obstacles that are in your way and thereby create possible opportunities for action.

Coaching for Action Inc. specializes in cultural alignment, strategy and leadership development. We understand the frustration of today’s business environment and we work with you to identify simple solutions to your issues and concerns. We offer customized programs and coaching services to ensure your success through to implementation of your preferred approach.

Mike’s coaching style will focus on listening for your greatness, purpose and supporting you to manage that possibility into existence.


Executive Coaching for Business Leaders and Managers.

Mike has experience in Financial Services, Sales Teams, Operations, Real Estate, Network Marketing, Project Management

Mike will deliver One on One Business Coaching, Group Coaching (Mastermind), Workshops & Tele-Seminars for people in marketing, sales, operations, customer service.

Content may include leadership competencies, core values, strategic planning, communication skill development and operationalizing your vision.


Mike Bradford is a Fellow of the Institute of Canadian Bankers (FICB). He completed his program in Montreal at Concordia University in 1984. Trained in various Coaching Methodologies over 15 year specifically with Newfield Network, CultureSync (Tribal Leadership) and Quantum Coaching for Corporate. He currently lives in Toronto, Canada with his wife, Heather. He enjoys reading, golf & tennis and when he is not with his family/friends you may find him training for his annual Triathlon.


I acknowledge John King and Dave Login (CultureSync) for the generous sharing of their methodology as well as Stephen Shannon and Betty Fiksel (Coaching for Action). I  stand on the shoulders of these great leaders/thinkers as I integrate these distinctions into my client delivery.




Why is Human Resources important?

There is a bad misconception in the world today for the most part that there is still not real need for Human Resources to be a full time part of a company. This is the not the case and although some are realizing this, it is becoming more and more a very important part of a firm. Many years ago companies believed that HR was just a waste of time and money for the companies bottom line. Now companies are realizing that HR is more of a strategic business partner then anything. When a company is unsure about if they NEED more employees or if they need to restructure and get a better ROI on various departments and certain employees, they are starting to rely on HR to give them some guidance and advise.

HR can see the big picture on a short term and a long term basis. We look at the bottom line. We will do an analysis and determine what is NEEDED and is WANTED by the firm.


Here at THE STAFF ROOM, we will do a consultation and see what are your needs verses your wants and give you the best advise on what your missing, in need of and how we see that you could be earning and saving money.


Give us a call and set up your FREE one hour consultation, based on a min of 3 hours.


Let your RRSP be a “Pawn – Shop” for real estate

Hard Money Loans

A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. Hard money loans are typically issued at much higher interest rates than conventional commercial or residential property loans and are almost never issued by a commercial bank or other deposit institution. Hard money is similar to a bridge loan, which usually has similar criteria for lending as well as cost to the borrowers. The primary difference is that a bridge loan often refers to a commercial property or investment property that may be in transition and does not yet qualify for traditional financing, whereas hard money often refers to not only an asset-based loan with a high interest rate, but possibly a distressed financial situation, such as arrears on the existing mortgage, or where bankruptcy and foreclosure proceedings are occurring. Many hard money mortgages are made by private investors, generally in their local areas. Usually the credit score of the borrower is not important, as the loan is secured by the hard asset value of the collateral property. Typically, the biggest loan one can expect would be between 65% and 80% of the property value. That is, if the property is worth $100,000, the lender would advance $65,000–80,000 against it. This low LTV (loan to value) provides added security for the lender, in case the borrower does not pay and they have to foreclose on the property.


Loan structure

A hard money loan is a species of real estate loan collateralized against the quick-sale value of the property for which the loan is made. Most lenders fund in the first lien position, meaning that in the event of a default, they are the first creditor to receive remuneration. Occasionally, a lender will subordinate to another first lien position loan; this loan is known as a mezzanine loan, a second lien or a junior lien. Hard-money lenders structure loans based on a percentage of the quick-sale value of the subject property. This is called the loan-to-value or LTV ratio and typically hovers between 60 and 80% of the market value of the property. For the purpose of determining an LTV, the word “value” is defined as “today’s purchase price.” This is the amount a lender could reasonably expect to realize from the sale of the property in the event that the loan defaults and the property must be sold in a one- to four-month timeframe. This value differs from a market value appraisal, which assumes an arms-length transaction in which neither buyer nor seller is acting under duress. Below is an example of how a commercial real estate purchase might be structured by a hard-money lender:

65% Hard money (Conforming loan)
20% Borrower equity (cash or additional collateralized real estate)
15% Seller carryback loan or other subordinated (mezzanine) loan



Hard Money is a term that is used almost exclusively in the United States and Canada where these types of loans are most common. In commercial real estate, hard money developed as an alternative “last resort” for property owners seeking capital against the value of their holdings. The industry began in the late 1950s when the credit industry in the U.S. underwent drastic changes (see FDIC: Evaluating the Consumer Revolution).

The hard money industry suffered severe setbacks during the real estate crashes of the early 1980s and early 1990s due to lenders overestimating and funding properties at well over market value. Since that time, lower LTV rates have been the norm for hard-money lenders seeking to protect themselves against the market’s volatility. Today, high interest rates are the mark of hard money loans as a way to compensate lenders for the risk that they undertake.


Cross collateralizing a hard money loan

In some cases, the low loan-to-values do not facilitate a loan sufficient to pay off the existing mortgage lender, in order for the hard-money lender to be in first lien position. Because a security interest in the property is the basis of making a hard money loan, the lender usually always requires first lien position of the property. As an alternative to a potential shortage of equity beneath the minimum lender Loan To Value guidelines, many hard-money lender programs will allow a “Cross Lien” on another of the borrowers properties. The cross collateralization of more than one property on a hard money loan transaction, is also referred to as a “blanket mortgage”. Not all homeowners have additional property to cross collateralize. Cross collateralizing or blanket loans are more frequently used with investors on Commercial Hard Money Loan programs.


Commercial hard-money lender or bridge lender programs

Commercial LEt and bridge lender programs are similar to traditional hard money in terms of loan to value requirements and interest rates. A commercial hard money or bridge lender will usually be a strong financial institution that has large deposit reserves and the ability to make a discretionary decision on a non-conforming loan. These borrowers are usually not conforming to standard or other residential conforming credit guidelines. Since it is a commercial property, they usually do not conform to a standard commercial loan guideline either. The property and or borrowers may be in financial distress, or a commercial property may simply not be complete during construction, have its building permits in place, or simply be in good or marketable conditions for any number of reasons.


If the property owner defaults on the commercial hard money loan, the property owner may lose the property to foreclosure to the investors. The property owner may have to sell the property in order to satisfy the lien from the commercial hard-money lender, and to protect the remaining equity on the property.



Hard money rate

Hard Money Mortgage loans are generally more expensive than traditional sub-prime mortgages. However all mortgage loans are not necessarily considered to be a high cost mortgage. Generally a hard money loan carries additional risk that a borrower is aware of. Private investors are generally only willing to create hard money loans in return for a very high interest rate plus five points to secure the loan. Rather than selling the property a borrower will opt to keep the loan and if a lender is willing to assume some of the risk by offering a hard money loan.



Hard money points

Points on a hard money loan are traditionally 1 to 3 more than a traditional loan, which would amount to 3 to 6 points on the average hard loan. It is very common for a commercial hard money loan to be upwards of four points and as high as 10 points. The reason a borrower would pay that rate is to avoid imminent foreclosure or a “quick sale” of the property. That could amount to as much as a 30% or more discount as is common on short sales. By taking a short-term bridge or hard money loan, the borrower often saves equity and extends his time to get his affairs in order to better manage the property.

All hard money borrowers are advised to use a professional real estate attorney to assure the property is not given away by way of a late payment or other default without benefit of traditional procedures that would require a court judgment.

Questions – want to find out more

contact me directly or visit

Les Nip – Equilease

Les Nip equileaseEquilease provides (equipment) lease financing services.  Leasing is a great financial tool in these tougher economic times.

Equilease partners with vendors to provide a lease payment option to their products and services.  Leasing can be a tool to shorten the sales cycle by offering customers a low monthly payment plan.

Equilease works with customers and their existing suppliers.  Leasing helps customers to conserve cash, preserve existing lines of credit and realize tax deductible benefits.

For personalized service, contact:

Les Nip

INTRODUCTORY GROUP SESSION Remove Deep Rooted Blocks and Negative Energy

HA Solutions - remove deep rooted blocks and negative energyINTRODUCTORY GROUP SESSION

Remove Deep Rooted Blocks and Negative Energy

Saturday December 3rd, 2011

Wednesday December 7th, 2011

Bloor West Village, Toronto


Have you taken the time to reflect on the things that you would like to change in your life?

Do you feel like there is something holding you back from achieving your goals and feeling personally fulfilled?

Do you sense that you are carrying over from generations to generations patterns inherited from your ancestors?

And do you want to become a master at handling any challenging/difficult situation in life or business with calm?

Maybe you have tried self-help programs, meditation, hypnotherapy, attended various seminars, workshops and still you feel there is a block present inside of you.

You are on a journey searching for the missing piece, yet the answer has been eluding you.

If you can relate to the above, welcome, your search is over.

Come and join us on Wednesday December 3rd or 7th, 2011 in Bloor west village at Runnymede for this Introductory group session to discover how you can remove deep rooted blocks within yourself to solve any problematic situation.

Aleksandra Knezevic will be leading the session. She and her daugher Elizabeth will do clearing work on the participants before the session. Register now to benefit from it as soon as you send us the form.

2133 Bloor Street West # 205
Toronto, ON M6S 1N2
(at Runnymede – free parking on Harcroft) MAP
To register, click here

Investment in Yourself: $100 ($120 less 20$ gift certificate)

(hst will calculate once you “update”)

Once you register, you can download the Registration form for the purpose of the clearing:  Download here

By working on yourself, you can solve the following issues:

Relationship Issues
No energy
Not performing
Business stagnant
Property not selling
Career stalled
Midlife crisis
Health issues
Are you stuck
Legal problems
Money problems
Debt problems
Stressed out
and more…

If you are curious how you can move your life forward, check HA Solutions new 6-month Program

For more info, contact

Laure Ampilhac, Co-Founder
HA Solutions Inc.
(647) 955-7528
(877) 764-9492
ThatChannel Video

About HA Solutions

HA Solutions is a very unique service that helps you to see more clearly, make better decisions and achieve your goals in a way that you’ve never been able before.

Do you ever feel there is a block somewhere between you and your goals, and you just can’t seem to figure out what that is? HA Solutions helps you to identify those blocks and remove them so that you can achieve anything you want in business or your personal life.

The traditional way of thinking is that our problems come from the outside and we are surrounded with unsettling situations or people. Consequently, we look outside to solve our problematic circumstances. But we have a natural ability within ourselves to overcome any challenge.

We work with individuals and corporations that want to improve their life and their business.

The Trick to Finding a Perfect Home ~ by HA Solutions

The Trick to Finding a Perfect Home

There exists a special bond between a house or property and its inhabitants. This is true for a private house or apartment, as well as any commercial property. When we live in a home/apartment, etc., we begin to attach fondness and comfort to that place. In return, our home begins to adapt and shape itself towards us.

When we are in the process of looking for a new home or selling our existing one, we tend to overlook this simple connection. The real estate market today is quick and competitive. As a buyer or seller, we are swept up into the sea of details which factor into any real estate transaction. We look at location, price, and shape of the home initially and go off on the tangent of other details which contribute to our buying or selling.

We forget that a home is a sanctuary; a sacred and private part of us. And because of this, we overlook an important factor that should be foremost in our buying a home. That is, how we fit and feel within it. The average buyer will look through several properties each week in his or her process of finding the right home.

As soon as we step onto a specific property, our first impression of the place comes in form of an instinctual sense. We feel good or uneasy about it momentarily. However, most of us do not acknowledge our own inner voice but begin to analyse what we see. Consequently, our homes are bought because of their characteristics; their location, their size, their price, etc. Have you ever asked anyone why they bought their home and heard the reply, “It just naturally fit with us. It felt right.” Most of us have not. And what a pity, for when our home is bought for the wrong reasons, we tend to find ourselves having more difficulty with it after the closing day.

So the message is: love your home. Love all the properties you see in your buying and selling process. Show the same respect and gratitude towards them as you would to your own. You will be surprised at what property may come your way and the ease with which your transaction will be completed.

This article was written by Elizabeth Knezevic, Co-Founder, Guide, HA Solutions Inc. For more information, please call (647) 955 7528, e-mail or visit



Free Tele-Seminar

Live tele-seminar on Tuesday November 29, 2011 at 7:00 p.m. ET

Register Now!

Are you bringing innovation to your business?  Are you interested in developing your creativity?

Change the way you do business. Join us, the authors of Thinking Outside the Bowl: Accelerating Your Business Genius as we facilitate a discussion on “Finding Your Creative Genius”.

Come and explore with us, as Mike Bradford forwards a conversation that will have you discover your genius.

This tele-seminar will:

  • Add value to what you’ve already learned
  • Deepen your skills and abilities to drive innovation in your business
  • Build your network with people who share your values
  • Allow you to learn from a community of people interested in upsetting the status quo

Reserve your spot for the Tele-seminar now!

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