You are receiving this letter because you are a client of either Blackburne & Sons or C-Loans, Inc. Removal instructions are below. Today I'll explain why commercial loans on newer industrial buildings will be the hot product for commercial lenders in 2013. And, of course, like always, we have lots of cute, clean jokes and two funny pics for you.

Joke Du Jour

Last year I replaced several windows in my house, and they were the expensive, double-paned energy-efficient kind. This week I got a call from the contractor complaining that his work has been completed for a whole year, and I had yet to pay for them. Boy oh boy, did we go 'round. Just because I have "green hair" doesn't mean that I am automatically stupid. So, I proceeded to tell him just what his fast-talking sales guy had told me last year - that in one year the windows would pay for themselves. There was silence on the other end of the line, so I just hung up, and I haven't heard back from him. Guess I must have won that silly argument.

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Grumpy Lion Joke

A lion woke up one morning feeling really rowdy and mean. He went out and cornered a small monkey and roared, "Who is mightiest of all jungle animals?" The trembling monkey answered, "You are, mighty lion!" Later, the lion confronted an ox and fiercely bellowed, "Who is the mightiest of all jungle animals?" The terrified ox stammered, "Oh great lion, you are the mightiest animal in the jungle!" On a roll now, the lion swaggered up to an elephant and roared, "Who is mightiest of all jungle animals?" Fast as lightning, the elephant snatched up the lion with his trunk and slammed him against a tree half a dozen times, leaving the lion feeling as if it had been run over by a safari wagon. The elephant then stomped on the lion until it looked like a corn tortilla and ambled away. The lion let out a moan of pain, lifted his head weakly, and hollered after the elephant, "Just because you don't know the answer, you don't have to get so upset about it!"

Commercial Loans on Newer Industrial Buildings Will Be the Hot Product in 2013

Manufacturing is making a huge comeback in the U.S. right now. Labor costs in China are rising. Manufacturing in China means long supply lines and slow delivery times. Its hard to react quickly to changing markets if you are manufacturing in China. American manufacturers are using robots to replace expensive labor. As a result, American industrial workers are four times more productive than Chinese workers.

Most important of all, American energy costs, because of the discovery of huge natural gas deposits here in the U.S., are less than one-third of those in Europe and Japan.

Heavy manufacturing companies are therefore moving their plants to the U.S. The Boston Consulting Group just released a new study that predicts that 2.5 million to 5 million heavy manufacturing jobs will be returning to the U.S. over the next eight years.

In the meantime, the construction of spec industrial space has been almost non-existent for the past five years. We predict that the vacancy rate for modern industrial space will plummet over the next few years, making loans on industrial buildings the hot product in 2013 and the immediate years beyond.

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On a Personal Note

Homer Simpson once said "The sooner kids learn to talk... the sooner they learn to talk back". That statement couldn't be more accurate for my family and I. My daughter Reagan has started the notorious "terrible two's" (although it should be called the terrible one and a half's)

This was highlighted by heading back to Indiana for the holidays. Within hours of arriving, my family realized my daughter had familiarized herself with the words “No, don’t like it”, “Eww, gross”, and “Spop(stop) it!”. The cats and dogs fled in terror, knowing full well that she loves to pull tails and ears.  In addition, she learned that if you unwrap a present, there can be a toy inside... so she unwrapped everyone's present whether they were her's or not!  2013 is going to be a LONG year with this handful!

All that being said, she has also learned to say “Dank you”, “Sawry Daddy”, and “Awesome!”   It's hard to stay mad when your little girl is looking up at you with Bambi eyes and says "Sawry Daddy".

I hope the New Year will bring happiness and prosperity for all of our families!

Did You Let The Cat In?

Chemistry Joke

This was a story told to us by our chemistry professor at school. A student wished to make some potassium hydroxide solution (aqueous) and decided to throw a large lump of potassium into a bucket of water. Out of the corner of his eye, the professor observed what the student was about to do and hurried over. After confirming this was what was intended, he asked the student to first stir the water in the bucket for five minutes before adding the potassium. Puzzled, the student followed after him to ask the purpose of this action. "It will give me time to get away!" said the professor.

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Adele's New Song, Skyfall, May Be the Best James Bond Theme Song Ever - Perhaps Even Better Than Nancy Sinatra's "You Only Live Twice."

I love this song. Adele even wrote it.

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