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    Free Essay
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    Accounts payable outsourcing things you need to check out

     

    Every individual running a business wants to be free of the burden of paying money which they owe to anyone as soon as possible. Accounts payable literally means the money which a business owes to sellers for products and services which have been bought from them on credit. If not paid in time accounts payable can pile up and spell trouble for any business. If you are finding it difficult to keep a track of the amount of your accounts payable, then get accounts payable outsourcing service from an outsourcing company. This is the perfect way to deal with this condition. When you are running a business, keeping track and managing of things like accounts payable, can become very demanding and hectic. Nonetheless this is an important aspect of any business process and has to done and done in time. Accounts payable outsourcing services are offered by many companies which deal with finance and accounting outsourcing. The best way for searching a firm providing accounts payable outsourcing services is through the internet. The internet is a storehouse of information, and all you will have to do go online and search for information. The numerous options which you will find in the internet can confuse you. Take some time out from your busy schedule and do a proper research about the companies offer accounts payable outsourcing to clients. I am sure you want the best services for your business. Get an in depth analysis of the services offered by the firm before you actually decide to take up services from the company. Make sure to check the security arrangements the company has in place for its clients. See for yourself and find out if the security measures are adequate to protect customers personal identify and financial data. Online security in this internet age is vital and you must never compromise on this aspect. Make checks and cross checks about the security arrangements of the firm providing accounts payable outsourcing, before you actually outsource your work to the outsourcing company. Accounts payable outsourcing has many advantages. One of the main advantages is that you can save huge amounts of revenue through the outsourcing work. Work is outsourced mostly to developing countries where there is abundance of manpower and labor is cheap. This automatically means that your accounts payable outsourcing work will be handled by trained professionals at a very cheap rate. The revenue which you will save in this manner is the profit for your business. There are some outsourcing companies which offer free trails for prospective clients. You can check out such companies and get some of your work done under the free trail offer. See for yourself the type of work done, the amount of money charged and then decide if the company is capable of handling your accounts payable outsourcing work or not. If you are not satisfied with one company, there are plenty of others for you to choose from. Accounts payable must always be handled properly and every account must be in place for you to make payments timely. Piling up accounts payable will only put you under a huge amount of strain. Accounts payable outsourcing is a simple way for you to keep all your accounts in good shape. Go ahead, rest easy and earn revenue for your business by accounts payable outsourcing.

         
    An overview of asset finance and its various types

     

    : Asset finance allows companies to collect funds for the purchase of assets they might need to make their businesses run successfully. At times, paying a huge amount of cash at one time for buying assets can be really hard to manage. Moreover it would significantly affect the company's working capital. With asset finance one can raise the capital to buy assets and the money can be returned to the finance company through regular payments over an agreed period of time. Asset finance can be used for purchasing new and used cars, coaches, light and heavy commercial vehicles, plant machinery and office equipment. With the help of asset finance solutions, you can buy equipment for your business without spending a large sum in one go. In other words, it saves you from the trouble of arranging a large amount of capital for buying much needed assets. Major Types of Asset Finance Available in the UK Hire Purchase This typical credit facility is readily available where the financier allows the hirer the right to possess and use an asset in return for regular payments. Here, the hirer first finds the asset he wants and negotiates the purchase price with the supplier. After the hirer pays a deposit of 10-20% to the finance company, he can take the asset directly from the supplier. After a balloon payment is made at the end of the term, the title of the goods is transferred to the hirer. Lease Purchase Lease Purchase is often confused as a regular lease. It is similar to a hire purchase agreement with the only difference being that in a Lease Purchase the hirer needs to pay a deposit of 10-15% as a multiple of the repayments. The payment for the remaining balance and interest is done in instalments. Moreover, a Lease Purchase agreement is based on either a fixed or variable rate. The monthly instalment can be reduced by the inclusion of a balloon. Contract Hire In Contract Hire, a rental agreement is made between the supplier and the customer. Here the customer hires the asset for a fixed period of time and after the completion of the period, he returns the asset to the supplying dealer. With contract hire, the customer gets the chance to use the new asset without the risks associated with ownership. Finance Lease With finance lease, one can get up to 100% finance for the acquisition of plant equipment required in a business. Here, the ownership of the goods remains with the finance company which rents the goods to the hirer over a predetermined period. Initially, the hirer needs to pay the documentation fee and an initial payment of a multiple of rentals. The remaining cost of the asset is paid back over the agreed time period. Operating Lease Here an agreement is made to rent the asset for business purposes for a predetermined period. At the expiry of the agreed lease, the asset is either returned to the financier or an offer to purchase it for a mutually agreed price is made. One major line of difference between an operating lease and a finance lease is that the primary rental period for an operating lease does not cover all the capital costs and the hire charges. Looking at these various types of asset finance, it would not be tough to choose one for buying expensive equipment without forking out a huge sum of money at one go. But it is essential to understand asset finance and its various types properly before applying for it. There are many finance companies that can help one to get competitive and tailored asset financial solutions to suit one’s personal and business requirements. It is advisable to take professional help to avoid any sort of complications in the future. One can take help from any reputed asset finance based consulting company to get a better deal for one’s business.

         
    Benefits of leasing equipment

     

    Leasing equipment provides the lessee with all the following benefits of utilizing the equipment without having to pay the up-front costs or assuming the risk of ownership. A lease is one of the best ways for businesses to stay on top of the development curve. With so many new developments that occur (particularly in the technology areas) equipment leasing is less financially expensive. Running a business means making sound financial decisions that improve the condition and quality of a business. Equipment leasing provides such a benefit along with:  Minimal Cash Outlay  Overcoming Budgetary Limitations  Avoidance of Obsolescence  Flexibility in Terms and Equipment  Conservation of the Business’ Working Capital  Increased Opportunities  Tax Benefits  Fast Applications  100% Financing The minimal cash outlay allows a business to conserve their own capital. A lease also provides for servicing equipment failures. When managing a large computer room, owning all the computer equipment would place not only the upfront cost of purchasing the equipment, but also maintenance and repair as needed. Businesses that conserve personal business capital and lines of credit can handle the more mundane day-to-day expenses and unexpected events. Budgetary concerns over new equipment purchases can be circumvented through equipment leasing. Operating budgets tend to be more flexible than a capital budget. The lease terms can be as flexible as required and are often negotiable on an individual basis. Lease terms are usually much longer than a standard bank loan, which makes their payment terms even better. The ability to upgrade remains one of the best benefits of equipment leasing. Businesses grow; technology changes and the needs of both can change year to year. Equipment leasing allows businesses to benefit from developments on both sides of the aisle. Lease terms may also be structured to handle these changing situations. Considering this multitude of benefits for equipment leasing, it’s not surprising that more and more businesses are reaching out to lease their equipment rather than purchase it. The benefits of leasing are not limited to the computer industry or to large corporations. Small businesses can benefit even more from equipment leasing than a large corporation may. In a contest of leasing versus buying, leasing wins most of the time. Imagine the small business that houses only two employees. Their working capital may afford a couple of PCs and some exterior accounts to host a website. When a PC in the office goes down, if they are not leasing they will need to replace the machine. In general, the cost of replacing a standard PC is significantly lower than repairing one. Small businesses need the ability to remain flexible, to upgrade and to keep their machines in maintenance and up to date. Even more than their corporate big brother, they need to know they will remain on the cutting edge of the industry in order to make better business decisions. A small construction company that has no access to certain types of equipment will not be able to take on more challenging jobs. The graphic’s designer that doesn’t have the equipment to support the latest software will find himself or herself less competitive. An accountant that doesn’t have the disk space to maintain growing accounts will have to turn away business. Leasing equipment makes sense on a variety of financial levels, but also on levels addressing future growth. The business that takes advantage of these benefits are planning two steps ahead of their own niche market and will likely avoid being trumped by their competition. So whether a business is large or small, thinking ahead provides them with opportunity. What is the best benefit a business can receive from leasing their equipment? Opportunity.

         
    Car leasing basics

     

    Over the past few years, the popularity of car leasing has soared. When you compare leasing with buying a car and suffering the humongous monthly installment fees, leasing provides a better and more viable financial option. For auto leasing, you need to know the tricks of the trade so that you will not end up paying more than when you directly buy the car. There are car dealers and manufacturers who can give you your money's worth if you want to go for this option. You will get a better deal out of the car dealers if you appear knowledgeable about the auto leasing industry, so read up. 'Auto Leasing Defined' You would "lease" a car by paying for the costs by which the vehicle depreciates in value. You can calculate depreciation costs by subtracting the car's value by the time that the lease ends, from its original value. There are cars which depreciate more than other brands. The rule of thumb is, the smaller the amount that your car depreciates, the lesser the costs to lease. Once you decide to go for leasing over buying a vehicle, you may choose the one with the least depreciation value. If you decide to go for this option, you need to learn about "lease term". This is the number of months that the vehicle is leased. Typically, leases last for 24, 36 or 48 months, depending on your contract. 'Leasing or buying: Which option is kinder to your pocket?' -Automobile leasing requires you to have a good credit, so if your credit score is low, it is better to go for buying. You may even be disapproved for a lease if your credit history is not good. Or, at the very least, you will be required to pay higher monthly dues. -Leasing companies would need to profit from you. They will invest capital on buying the car, then lease that car out. Just like with any loan, their money shoudl earn interest so you better consider this as well when considering the advantages of buying. -Make sure that you get the best deal out of car leasing by comparing the monthly costs with the interest rates of your local car dealer. By making a note and comparing both prices, you would more or less have an idea of which option to go for. 'Car Leasing Tips' - When deciding on the model or make of the car that you will lease, choose the Japanese and European cars. These are basically the brands which have lower depreciation rates, as compared to the American vehicles. You will find out that most luxury cars have the lowest depreciation values. Research, visit a local car dealer in your area or ask friends who are currently leasing cars. They should have some great tips to share with you on how to get the best deal out of leasing cars. -Leasing a car may put a big dent in yur budget when it comes to car maintenance. You need to make sure that you are a "car-friendly" user when you opt to go for auto leasing. -Definitely go for leasing if you are the type who wants to own the latest cars in the market. In the long run, leasing will be a better option for you as compared to buying the latest car model then trading in or selling the old one that you have. -As much as possible, choose a shorter lease period. This is so that you can optimize the warranty of the vehicle. -Finally, avoid the long-term leases, because the car's value will decrease by the time the lease ends, and this is mostly when engine problems begin.

         
    Choosing the best type of lease for your business

     

    When it comes to leasing equipment, understanding what it can do for your business is only part of the equation. Understanding and choosing the best lease for your business is another matter altogether. The market is primed for the use of equipment leasing to expand, grow and hone a businesses assets, but at the same time there is little material out there to help a business judge what’s a good lease and what isn’t. What You See Is What You Get There is an old truism that says you get what you pay for. When it comes to equipment leasing, you want a lease that clearly defines your responsibilities versus the lessor’s responsibilities. You really want it to be what you see is what you get. So how do you go about choosing the best type of lease for your business? Shop the options is the best way to get started. If you know what type of equipment you need, then comparison-shop the options with different companies. Some key figures to make sure are included in any lease option are: • Cost Per Month • Maintenance Contract • Cost of Maintenance Contract • Training Available • Customer Service • Availability for Software and Hardware Support • Obsolescence Upgrades • Term of Contract • Renewal Terms When it comes to long-term leases, it’s better to set the terms from the outset to deliver the best possible results to the company overhead. When it comes to maintenance, many leasing companies package that as a separate component. If a piece of equipment fails altogether, it’s likely the leasing company will replace it. But what if the piece of equipment goes down? Will there be a 2-hour, 4-hour or 24-hour response time to getting a service technician on-site and the equipment back into operation? This information is critical because when a piece of equipment is operable, it’s just a piece of junk taking up room and preventing the business from operating normally. Upgraded maintenance contracts will have to be negotiated. But there’s also the concern about what happens when a newer, better model of equipment becomes available? Does the lease terms support an upgrade to this model of equipment or will it require waiting until the contract is up for renewal? Beware Hidden Costs By getting the information up front, a business can avoid hidden expenses. They can plan budgetary requirements and potentially for long-term leases, bring up training requirements for their staff. This is another concern that some companies don’t consider when negotiating a lease. Will the operator of the equipment receive training from the leasing corporation? Do they have representatives that understand the operation of the equipment and provide certified instruction? If not, how is that handled? While this will not be a concern for every piece of equipment leased, for those businesses that require certified training it’s good to know if it will be available. Also in the case of leasing computer equipment, how is software licensing handled? Is packaged into the hardware lease or do those licenses need to be obtained separately? Finally, understanding the renewal terms can help circumvent a rise in cost for renewing an equipment lease. Some contracts will allow locking a price for a period of five years. The lease may only last two years, but at the renewal point the cost is locked in for that particular piece of equipment. When it comes to a long-term budgetary forecast, every piece of information can help. Clearly defining what an individual contract delivers from a leasing company can provide a business with the opportunity to comparison shop. By comparing the different options, price levels and services from one leasing company to the next, a business will be choosing the best equipment lease for their business.

         
    Everything you need to know about construction equipment leasing...and how to get it

     

    As a decision-maker in the construction industry, weighing all equipment acquisition options is a critical aspect of the job - especially given today's fluid marketplace. With construction equipment leasing you don't have to worry about the overhead of the purchase while keeping your cash accessible. No matter how big or small your project you can always find leasing options from the financial institutions who specialise in this type of product. Plus, payments you make under an operating lease are tax deductible. 65% of the top businesses lease equipment, according to an ELA survey. The top reasons these businesses cite for leasing include consistent expenses in budget management, increased cash flow, and the ability to have the latest equipment. As businesses prepare to compete and grow in a new millennium, many are searching for proven new ways to address their equipment financing needs. And the choice for an increasing number in construction is clear: equipment leasing. If structured properly, as a "true" lease, construction equipment leasing has some very important tax benefits. The payments can be considered a rental resulting in a 100% expense write-off. At the end of the year you would simply total your payments and deduct them entirely as an expense. This is a much more rapid write-off than interest expense and depreciation. Most leases do not have to be shown on your financial statement as a liability, since theoretically it is a contingent liability, and only has to be shown as a footnote. This keeps your financial statement from becoming overloaded with debt and is important if your bank lines require maintaining certain ratios. The biggest benefit, however, is that you can get the most money with the least information.... Up to approx. $100,000 with a single page application! For many in construction equipment leasing makes perfect sense. Especially when you consider the upside: Leasing allows you to keep your machine stock flexible. When your work changes, your machines can too. It provides a planned schedule for equipment replacement, helping you run newer, up-to-date equipment so you'll have less downtime. It generally requires smaller amounts of money up front and monthly payments on your construction equipment leasing are generally lower than installment payments, thus freeing up cash and increasing the liquidity of your assets. And it doesn't lock you into a long-term commitment to purchase. It would therefore be wise for any business executive to investigate the advantages to equipment leasing in order to make the best use of current financial resources.

         
    Future of equipment leasing

     

    The future of equipment leasing is firmly hand in hand with business development, small, large and everything in between. Equipment leasing is synonymous with possibilities and what business does not benefit from possibilities? Equipment leasing offers businesses: Financial Options, Growth or Expansion Options and Business Potential. Financial Options - Businesses need financial capital to grow. Capital provides a business with options from loans to investments. Equipment leasing is tax deductible, whereas initial large investments are deductible the first year but only a percentage thereof is after that. Businesses hire accountants and tax experts to help them maximize their capital. The future of equipment leasing is in the financial options they offer to businesses, large and small. Growth & Expansion Options - Small businesses and the self-employed may find their growth and expansion options limited without the options equipment leasing can provide them. From construction to accounting to medicine, equipment leasing provides a future for both. The rapid growth industry for equipment lessors is matched only by the needs of lessees. What a company needs more than anything else is capital to invest not only in themselves, but also their future. Equipment leasing keeps the capital in their pockets and helps physicians, engineers, computer specialists and even writers develop their businesses. The future of equipment leasing is tied firmly to the package that is the American Dream. Business Potential - While financial, growth and expansion options are definitely part of the future of equipment leasing. There is an untapped source that will find its future in equipment leasing. That source is the business potential in the entrepreneur. More and more business entrepreneurs are leaving the wildly hectic corporate world to start their own business. When you go into business for yourself, there are a lot of trepidations. First and foremost, starting a business can be a risk for the individual and the family. Equipment leasing can help an entrepreneur minimize their risks, plan for a future and deal with unforeseen eventualities. Equipment leasing can be the difference between achieving a dream and being stuck in a dead-end job. There is a surge in the growth of small business in the country, specializing in personal services from web building to direct marketing to selling homemade clothing. Equipment leasing can make all those possibilities happen and for fraction of the cost it would take to purchase the equipment outright. Farmers and Other Opportunities - There’s a lot of focus placed on equipment leasing for private physicians, medical practices, construction companies and computer and Internet technologies. Another untapped market that benefits from equipment leasing is farmers that work small and large farm operations. Equipment leasing can keep the small farmer moving on a tractor or helping to rebuild a damaged barn. Large equipment like tractors, backhoes, ditch witches and scoops are a hefty investment. Farms are a tricky operation and take a lot of backbreaking work and labor investment. When a piece of heavy equipment breaks down, farmers have a choice to repair it or do without. If they can’t affect the repairs themselves or afford them, then it is more than likely they can’t afford to go out and buy a new one. Equipment leasing would provide the farmer not only with the equipment to get the job done, but also to the maintenance support without the huge output of cash. The future of equipment leasing is in business, industry and primarily people. It only takes a small investment to get started and that small investment returns the dividends to the lessee as their business and financial opportunities grow.

         
    Internet based lease accounting software creating operational effeciency while crunching numbers

     

    : The leasing industry is yet to significantly harness the powers of the Internet. Despite the hype, the web enabling of the leasing process has been sporadic at best. While the industry has already taken to the Internet's obvious convenience for credit scoring and front-end application processing, a larger and perhaps a more significant impact on productivity has yet to be realized. The advent of the lease life-cycle management model can realize this untapped potential for productivity and, if implemented well, can even directly enhance profitability. Online lease management and accounting software certainly has the makings of a paradigm shift in the lessor's approach to the lease accounting software. More specifically, it holds enough promise to replace the client/server model just as the client/server model itself dethroned the main frame. The Benefits of an Internet Model based Lease Management system To implement, the Internet model is much simpler than its client/server based counterpart, demanding nothing more than a secure Internet server on which the lease accounting software and database reside. Each of the limitless number of computers accessing the server can run any operating system, be it Apple Macintosh or Windows 2000, with nothing more than access to the Internet. By inference, the type of Network and the leasing software's compatibility to it no longer matters. Even the physical implementation of the network itself, in laying down the wiring and connections, becomes redundant when any authorized computer belonging to any authorized user, is part of the virtual network. In this respect, especially for lessors with multiple operations in different locations, the model used in the lease management software is a boon that takes no more significant effort to tie two computers into its virtual network as it does 2,000. Even training employees to use the lease accounting software becomes easy when there is one standard program worldwide. This immediate scalability and operating-system/network-independence of the leasing software model makes it possible for lessors of all sizes to experience IT benefits unknown in the client/server world. It would seem that today's nascent Internet technology compromises the functional power of the client/server model in their leasing software; complex algorithms required to amortize income or calculate yields appear hard or even impossible to replicate on a browser. Fortunately, however, with the growing sophistication of Internet developmental platforms such as Microsoft's Active Server Pages, Internet applications run a tight race with client/server technologies. The Internet based lease accounting software enables yields and depreciation schedules to be calculated with the same click of a button. The lease management software facilitates reports to be sorted, filtered and queried to obtai any conceivable information available in the database. Income, IDC and residual can be accrued, blended and separated, just like they are in client/server systems. Not surprisingly, even technology as complex as an Enterprise Resource Planning system, simultaneously used for solutions from global car-manufacturing to domestic chemical-production, runs on Internet-based applications today similar to the internet based lease accounting software. Leading ERP vendors including SAP, Oracle Financials and PeopleSoft, for instance, have tried and tested success stories of highly versatile and complex system that are browser based. "Lease Management Software", says Jay Mehra, COO of Odessa Technologies, Inc., "though sophisticated in its own right, can quite easily be implemented on the Internet." Despite the complexity, therefore, the functional powers of traditional models are easily captured in Internet-based applications. Functionality of the Internet model and the Lease Management SoftwareWhile functionally the Internet application is interchangeable, its differentiating quality lies in its approach to data. By the very nature of their technology, client/server systems typically just crunch numbers. A good Internet based application, on the other hand, maximizes the value of that data, in addition to maintaining it. This translates into a direct value-add for the lessor's operational efficiency. Sales staff can, for instance, be allowed to access the leasing software from anywhere they can connect to the Internet.

    During negotiations, they can obtain historic information about the lessee to make informed decisions for new business opportunities through the lease management software. The traditional one-way pipelines of data delivery thus become forums for information exchange. Equally important, as shown by the diagram above, the new channels of Internet-driven communication can now enhance the lessor's external relationships.

    Odessa Technologies, developer of a wholly web-based Lease management and accounting software, uses a series of independent web sites that ties the lessor with its various business partners. Through their lessee web site, lessees can get online help, access important account information, download invoices and even make secure Net payments enabled by the lease management software. Moreover, by leveraging the critical data residing within the Internet application, the lessor can even customize business promotions based on the individual lessee logging onto the system. Far from being just a tool that manages a part of the leasing business, lease management software thus becomes a way of conducting and even marketing the business.

    Through the Internet model the leasing software is able to bring about new sources of productivity, both direct and implied, are thus created from business relationships that are fuelled by information flow. LeaseWave© - A new Wave in Lease Accounting Software While the advantages of Internet-based applications are obvious, there is a conspicuous absence of such technology in the leasing industry. It is this gap between the ideal technology and what is typically available that Odessa Technologies, Inc. is fulfilling.

    With the release of LeaseWave©, a technology built entirely on Microsoft's Internet platforms, Odessa brings the lease management process online. Through LeaseWave© and technological collaborations with companies such as CapitalStream and Ivory Consulting, the company offers a comprehensive solution that is entirely Internet based by way of the lease accounting software. LeaseWave©, at its core, provides for complete asset management and lease accounting functionality, allowing the lessor to efficiently manage any number of lease portfolios in the leasing software.

    Beyond this core, LeaseWave© provides a series of interactive web sites that connects the lessor with business partners including lessees, funding sources, auctioneers and banks via the lease management software. Each line of communication in the lease software employs secured socket layers for complete security and is even e-commerce enabled, allowing for secure online ACH and credit card payments. It is common knowledge that front-end systems, such as CapitalStream's CapitalStream - FinanceCenterTM are already leveraging the powers of the Internet. The efficiencies that they have realized, however, represent only the beginnings of a greater change.

    Still to be tapped are the efficiencies of large data-rich back-end processes. The web-enabling of lease management and accounting software, by companies such as Odessa Technologies, is a step towards this efficiency-realization. As Internet technology seeps into the back-end, the leasing industry stands to experience a rare paradigm shift: one where the technology drives the process rather than being driven by it. Bios Madhu Natarajan, CEO Odessa Technologies, Inc. Madhu Natarajan became the CEO of Odessa Technologies, Inc. He has consulted for various companies including Caterpillar, Inc and Crowe Chizek, LLP; Madhu brings with him an extensive research based leasing background with 5 years of leasing software experience. He holds a Bachelor's degree in Computer Science and Business Administration from Monmouth College, Monmouth, IL; Madhu graduated Magna Cum Laude. fax copy to 610-293-9903

         
    Lease option technique

     

    Why do people sell properties using lease options? There is a reason that some of the most successful real estate investors use the lease option technique. No Down Payment: I know what you're thinking, "I would never offer such a thing!" You don't have to. As a real estate investor rich in tools to find motivated sellers, you could get your next home using this lease option technique with no money down. You don't have to tell the seller that an option fee may be customary! Principle Pay Down: If an option is accompanied by a lease the possibilities are greater for increased equity build up. By applying a portion of the monthly lease payment amount to the purchase price of the property one has the opportunity to widen the gap between the market value and the loan amount. Depending on whether the monthly rent amount is inline with market rates...this is free money! A 30-year amortized, $100,000 loan at 7% begins at approximately $82 per month of principle payments. A $100 per month rent credit beats that, dollar for dollar, every month for almost 3 years! No New Loan: Possibly the most noteworthy advantage of using a lease option in the residential market is that when the optionee begins the purchase process no "new loan" is required. The prerequisite for this may be working with the right and informed mortgage broker but is usually easily accomplished through a refinance. This can mean no additional out-of-pocket money for closing. Appreciation: One of the typical advantages of controlling a property using an option is that the buyer retains the right to capture some, if not all, appreciation during the term. The longer the term, the greater the appreciation can be. In the single-family arena, where terms are usually 12-24 months, even moderate amounts of property appreciation can add up. For the buyer, especially, every percentage point of appreciation counts. And, if you're nice enough to offer (or get) a 24-month term in a market increasing at 3% annually, $6,000 on a $100,000 property is significant. It is better to use your own strategy against you, if you are in the market for new home.

         
    Leasing equipment versus buying

     

    Short on cash, but need equipment? Consider leasing what you need. Leasing equipment may be a better alternative to buying, depending on your situation and needs. Today, leasing is common practice in business. Over the past two years, equipment leasing has risen approximately 20 percent, according to recent research by the U. S. Small Business Administration (SBA). And 8 out of 10 U. S. businesses lease all or part of their equipment, reports the Equipment Leasing Association. Leasing is appropriate for just about any business at any stage of development. For start-up businesses with no revenues, smaller leases—those of $100,000 or less—may be better managed on the personal credit of the owners—if they are willing to make the monthly payments. Comparing Leasing to Buying When you buy a piece of equipment or vehicle, you usually have to pay for it in full either by using cash or by financing the balance. After you finish paying for it, you own it. Equipment leasing, on the other hand, is essentially a loan. The lender buys and owns the equipment and then "rents" it to a business at a flat monthly rate for a set number of months. At the end of the lease, the business has several options. It can purchase the equipment for its fair market value (or a fixed or predetermined amount), continue leasing, return it or lease new equipment. With a lease, you actually only pay for using the equipment. But at the end of the lease period, you could end up owning nothing. So why lease? The answer is simple: By leasing equipment, you leave money in the bank that can be used for other purchases. Since lease payments are usually smaller than regular loan payments, you don't have to pay out as much each month. However, keep in mind that a lease is not cancelable like a bank loan or other debt. If you need to get out a standard loan you can sell the equipment and pay off the loan, or even refinance it. With a lease, you generally have to pay off the lease in full. So you have to be sure you make the payments when you enter into a lease. So what kinds of equipment make the most sense for a small business to lease? According to research by the SBA, the most common items leased are office equipment, computers, and trucks and vehicles. Benefits of Leasing Leasing equipment offers a wide range of benefits, from consistency with expenses to increased cash flow. But perhaps the most significant advantage of leasing is the ability to maintain up-to-date equipment. Leasing allows you to easily and affordably add equipment or upgrade to a complete new piece of machinery to meet future needs. This lets you transfer the risk of being caught with obsolete equipment to the leasing company. Here are some other benefits of leasing: • Alternative to financing - Leasing is essentially an alternative to traditional financing and can be great for companies not able to obtain business loans. • 100-percent “financing” – In many cases, leasing requires no down payment. This allows you to “finance” an entire purchase, including software, hardware, consulting, maintenance, freight, installation, and training costs. • Ease and convenience - Applying for a lease is easy, and lease arrangements can be structured to meet your individual requirements. Equipment leases can range from $ 2,000 to $ 2 million. For smaller amounts, you can complete a brief application and receive a final decision within days—often with no financial reports or tax returns needed. Leases for more than $100,000 generally require detailed financial information from the business, and the leasing company conducts a more thorough credit analysis than it would for a smaller • Flexibility - Lease terms range from 12 to 60 months, depending on the equipment type. Most leases can be structured so that payments are made with operating rather than capital funds. This can eliminate or reduce capital budget delays. Leased equipment can be purchased later if capital becomes available. Plus, a percentage of the lease payments can be credited toward the purchase of the equipment. • Fixed, predictable payments - Having fixed lease payments enables you to accurately predict the impact of equipment expenses on your cash flow. • Conserves working capital - Leasing conserves your working capital by requiring only a minimum initial outlay of cash. • Tax Advantages - Operating leases are generally treated as a 100-percent, tax-deductible business expense paid from pre-tax earnings instead of after-tax profits. • Protection against inflation - Lease payments are based on the dollar's current value. And unlike bank lines of credit with fluctuating rates, your payments are fixed regardless of what happens to the market tomorrow, making it easier to budget, forecast and grow. Working with a Leasing Companies When leasing equipment, keep in mind that the company selling the equipment simply makes a direct referral to a leasing company with which it does business. And, usually, the company selling the equipment works with more than one leasing company. So be sure to get quotes from a number of leasing firms. It’s also a good idea to ask for referrals from friends and business associates. Additionally, make sure you understand with whom you’re dealing. Are you talking to a broker—the person who simply structures deals, then gets them financed through any of the leasing companies he or she works with. Or are you dealing with a leasing company that is actually putting its own funds on the line? Brokers can be beneficial because they have valuable insight about the leasing market and can help you find the best leasing solution for your needs. But as when dealing with any type of salesperson, you are responsible for handling the due diligence. Do your own homework to ensure you negotiate the most favorable lease agreement for your company.

         
    Leasing is often better than buying

     

    Leasing refers to an owner, or lessor, selling use of his property (equipment, automobile, home, or business) to a lessee. For many individuals, leasing is a good alternative to buying because leasing requires less equity and, therefore, more people have the qualifications to lease than to buy. For example, a $1 million piece of property may be too expensive for a business to purchase, so they lease it for $5,000 per month, which they are able to do with the profits they make. Having the latest high-tech equipment is crucial for an IT company, so they may lease the best computers and have a continuing upgrade in their contract. This is much more cost-effective than regularly having to purchase the latest model, especially because computers are constantly being improved upon and the older ones become obsolete in no time. Many other types of equipment, such as those used in construction, entertainment, weddings, and offices are typically leased to the user. Bulldozers, loaders, graders, and cranes are just some of the equipment needed when constructing a new building. If the building owner bought these items for the temporary use needed, he would spend hundreds of thousands of dollars needlessly. By leasing the machines, he is paying less and also being guaranteed service, repair, and maintenance on them. Equipment rentals are a big part of the entertainment industry, from a child’s birthday party to huge corporate events. Many parents lease massive waterslides, cotton candy machines, and “moon walks” to enhance their child’s party. Corporations trying to impress clients host big blowouts complete with extravagant light shows, live broadcasts, and other huge presentations, all requiring leased equipment. Weddings and bat/bar mitzvahs are other big sources of leasing needs. These events often require large amounts of silverware, linens, tables and chairs. Some even opt to have huge tents erected for their event, another leased product. A wedding typically has five or more vendors, all providing various leased services, such as catering, supplies, and music for the event. Business offices must supply their workers with adequate equipment required to produce a huge amount of paperwork and computer files. Machines such as computers, printers, scanners, copiers, and fax machines are often leased because the lease contract provides the lessee with service and maintenance. Many contracts also include supplies, upgrades, and installation, all of which would be too expensive to buy individually. Leasing is much more cost-effective than buying in many of these situations. Another item that is frequently leased is the automobile. There is a lot of debate over whether it is better to lease or buy a car. On the one hand, the lessee gets the best years of the automobile’s life at a slightly discounted price. But, of course, the buyer is able to sell the car at the end of its run, unlike the lessee, who must return it to the owner for no monetary return. Homes, such as houses, mobile homes, and apartments, are very often leased. This is a great option for a person who is trying to save money for a down payment on a home. It is also a good way for homeowners to profit without selling their property. Many people make their entire earnings from the process of buying dilapidated homes, refurbishing them, and leasing them as homes to others. Business leasing works similarly to home leasing. A person or company will buy a strip mall and lease each of the storefronts to different businesses, focusing on what sort of businesses will do well in the community and offering a variety of services on the property. The business owner would rather lease the store than buy it, because it is less expensive and the landlord will handle all service and maintenance of the building.

         
    Leasing software and fleet management converge to create synergies

     

    : After extensive research, Fleet management consultants Odessa Technologies, Inc. recently identified key trends shaping the fleet management industry. Among these key trends, in addition to real-time exchange of information, users can expect to see greater functionality derived from (1) the integration of leasing software and fleet management systems and (2) web-based fleet/leasing software. With the advent of Internet-based fleet management software, fleet management companies can now leverage the accessibility of the Web to create significant advantages over traditional leasing software products. Benefits of web-based design One of the benefits of the added functionality attributed to Web-based software is an increase in operational efficiencies. In the past, the ability to manage complex relationships across all customer types has been challenging. Current technology enables users to connect with the fleet management company or lessor from any location equipped with Internet access. The traditional one-way pipelines of data delivery thus become forums for information exchange. Additionally, the integration of leasing software and fleet management systems can result in demonstrable cost savings for the business. More specifically, fleet management software is capable of connecting business partners in real-time, thereby significantly reducing communication cycle times. Integrated Lease & Fleet management software solutions Designed specifically for fleet and lease management companies, Odessa's software suite can address the entire range of fleet operations while comprehensively managing the entire life - cycle of the underlying lease contract. Typically, the fleet leasing life-cycle begins with the issuance of a fleet card and ends when the vehicle is taken off-road. With a continually expanding choice of services, fleet management companies can choose software applications that are equipped with fuel purchase management, maintenance work management, accident management, license management, fleet card administration, exceptions reporting, and customer billing capabilities, just to name a few. When this is coupled with fully integrated lease management functionality, there is a new value add that is brought to the table. The customer can now be viewed in terms of all the services or products that they are paying for and not just in isolated fleet or lease terms. Further, the company's internal profitability, as a result, can also be better analyzed. This allows salespersons, for instance, to more effectively negotiate the various terms of a customer relationship that includes fleet and leasing products. Integration and customization Fleet leasing services can be administered either as value-added services that complement the lease life-cycle or as separate, stand-alone product offerings - independent of leasing. The choice is entirely dependent upon the individual business's needs. An advanced fleet management software product provides seamless integration between existing systems and allows for some level of customization thus ensuring the long-term success of the investment.

         
    Mami joue au poker

     

    C'est la triste histoire d'une grand mиre qui est devenue. Elle a soixante dix ans et sa fille unique est partie habiter au Canada. Ses deux autres fils quant а eux ont ouvert une entreprise d'album de coloriages au Brйsil. Puis son mari est mort il y a un an de cela. Il est mort d'un cancer de poumons. Apres la mort du pиre, ses enfants qui sont venus de l'йtranger a cause du dйcиs du pиre, ont dйcide de lui offrir un ordinateur afin de combler sa solitude. Les pauvres amis de la grand mиre sont trиs « vieillots » mais mami julienne quant a elle rкverait d'avoir un cercle d'amis de son style. En vain. Elle n'en a pas. Alors voila Marco, Remi et marie ont pense qu'un ordinateur, ferait le plus grand bien a leur chиre mиre. Au dйbut, elle n'y comprenait rien. Puis peu a peu, aprиs quelques cours de base gentiment donnes par Mathilde (la fille de ma sњur), elle apprit tous les secrets du net. A ce jour elle tape mкme des thиses d'universitй а des йtudiants qui n'ont pas trop le temps a passer des heures devant l'ordinateur. Mami Julienne, elle est geniale. Elle cuisine gйnialement bien. Mais le problиme c'est qu'a part les quelques йtudiants qui viennent chercher leurs dossier tapes, mami Julienne ne sait pas quoi faire de cette nourriture. Elle languit son mari. Elle parle de lui tout le temps. Elle languit ses enfants. Elle languit ses neveux. Elle se sent seule. Trиs seule. L'ordinateur lui fait du bien mais elle est attristee а chaque fois de nouveau car son mail est vide. Ses enfants n'ont pas le temps de lui йcrire des mails. Alors а part un petit coucou йlectronique de temps en temps son mail est vide. Elle se sent seule. Elle se sent abandonnee. Lundi matin, sept heures du matinme a son habitude mami est sur le net a vйrifier en vain si quelqu un a daigne penser a elle et lui envoyer un petit courier. En vain. Rien que du spam. Alors elle les ouvre. Et la, soudainement elle dйcouvre une invitation a jouer au poker sur le net ! Mami a toujours adore le poker. Elle se souvient encore de ces jours ou elle jouait durant des heures avec ses amis au Cafй de la Cigale. Mami gagnait trиs souvent les parties de poker. En dйcouvrant la possibilitй de jouer au poker en ligne sans avoir besoin de partenaires vivant. Mami sauta presque au plafond. Enfin une activitй qu'elle aime tant et qui va l'occuper. Mami est sure de ses coups. Elle va augmenter l'hйritage de ses enfants puisque c'est sure elle va gagner tout le temps. A ce jour, si tu vas chez mami, au 9 rue des Eclairs a Thionville, tu y trouveras la petite et vielle et menue Julienne assise devant son ordinateur en train de jouer avec excitation. Elle ne gagne pas tout le temps comme elle le pensait mais le jeu est sans l'ombre d'un doute devenu son meilleur ami. Mami ne se plaint plus. Mami ne verifie meme plus ses mails. Elle ne languit plus ses enfants. Elle ne languit plus personne d'ailleurs. Mami est devenue accro aux jeu de poker . Mami est devenue joueuse compulsive.

         
    Ready to sign that lease agreement

     

    : Is Signing that Lease Agreement Right for You? The real estate market is booming across the United States, especially in select areas of California as well as Las Vegas. Even the sleepy town of Boise, Idaho is experiencing record breaking primary residential development. Where ever you happen to live, you have probably noticed it’s not so easy to get into that coveted house you have always dreamed of, despite the favorable mortgage rates. So what should you do? Lessons Learned from the Past With such uncertainty around the real estate market, perhaps it is best to stay away from owning your own property. Many so called experts predict the housing market in the US has finally reach bubble status, and expect that bubble to burst in the near future. They may have submitted their predictions a bit early, but their advice should be considered. If we learned anything from the stock market bubble and subsequent crash of 2000, we realized frequently a conservative approach to investing serves us well when uncertainty surrounds the market. Protect yourself and consider the advantages of renting or leasing versus buying your own home. A renter assumes far less risk by signing his/her name to a lease agreement than when closing on a house. Typically a rental agreement locks you into a contract for a short period of time, relatively speaking, during which the rental rate is locked as well. Such a contract can protect you from the downswings of the real estate market, especially the volatility frequently demonstrated by adjustable rate mortgages. Granted, as a renter you don’t stand to gain any equity in the house should the market turn up. However, you also don’t expose yourself to the violent downswings in housing values wrought by an oversaturated market. Should you buy a house now and a year later need to move to pursue a new job opportunity, what happens when your realize those inflated prices you paid for your house are not so inflated anymore, and suddenly you owe more on your house than it is worth? That is called negative equity, and instinctively you realize no good can come of such a situation. Hence renting offers flexibility, both financially and physically speaking. Avoiding the Headaches of Ownership By agreeing only to rent the dwelling, you manage to avoid many of the disadvantages associated with owning a house. Normally the landlord is responsible for general maintenance of the flat. Many home owners are quick to offer their stories of frustration, disappointment, and even anger when things go wrong in the house. Pipes burst, flooding occurs, air conditioning units break during the scorching summer days of July, and heating systems fail in the dead of winter. All these things can and will happen, setting homeowners back considerably. Thus, as a renter you can avoid many of the major financial investments owners must make to maintain the comfort and livability provided by a dwelling. Agreeing to a lease agreement helps mitigate the risks of living in a home or apartment. Weighing your Options A rental or lease agreement can offer many advantages to those of you looking for a place to live. Ultimately, each individual must decide what is right for them. Some are more than willing to bear the risk inherent to the housing market because they have a strong positive cash flow and are in a position to endure the twists and turns of the market. Don’t be afraid to weigh your options and consider the risks of owning versus renting. For many, playing the game conservatively and waiting for housing prices to come back down to Earth will prove to be a successful strategy. There is no shame in signing that lease agreement, living in an apartment for a year or two before moving on to that house you have wanted so badly.

         
    The issue of car finance

     

    When buying a new car, a common issue is the way people pay for it. Most use car finance to pay for their vehicles. If you want to make the best deal, you will have to understand car finance and the intricacies of its processes. When buying a vehicle there are a couple of aspects people think about: whether their future car will be a new one or a used one and where they will get the money from. Regarding the money, problems can be solved by obtaining the car finance from banks, credit unions, dealerships, or auto manufacturers. However, when considering buying an old car, one has to think of the differences between car finance for a new or for a used car and its advantages and disadvantages. People tend to favor new cars. If you are asking yourselves “why?” then you surely heard some attractive commercials. Most of the unbelievable offers are too good to be true, but they come with extra requirements like high down payments and very high interest rates. For a good deal, negotiation is the only adoptable strategy that will make room for more advantages and less terms and conditions. Making a loan requires a copy of your credit report and a check of payment histories. The lender will verify every aspect of your financial background in order to give you car finance. Once you have all the paperwork done, gather information, ask the dealers for the best offer and use every detail to bargain. Pre-Approved loans are better for your car finance because you can find near market rates. Start by looking for a good sub prime lender. Search the Internet, look at closing costs, fees, compare and use the APR number to get the overall cost. This car finance can save you money. You can also use online loan applications from car finance companies to speed loan processes. Before choosing a car finance company you should compare prices and rates. The dealer will want to make the best for him and choose the appropriate car finance company. Try not to let yourself be persuaded to buy the dealerships finance pack when you can make a better car finance deal elsewhere. You should calculate your APR and take into account how much the car costs in cash and if you have additional rates. Also see if car finance works for you and if you agree with the down payments and closing payments. Even if it seems complicated, it doesn’t have to be if you educate yourself in car finance. Car finance is a very important part of your credit-related decisions and you should be careful not to take offers that exceed your income. If you end up in a bad deal you will waste your money on unnecessary things and your car finance will lower your budget drastically. If you try to take your car finance from a bank, the disadvantage is that banks take a lot of time to process a loan. The disadvantage in dealership rates is that they cost more overall. You can also try the Internet for online car finance deals, but the offers have to be carefully analyzed before (not to be scams). Some people may even get your car finance information and use it in their own interest. A little research about the online car finance can save you a lot of trouble. However, if you choose online lenders, you will get low interest rates and save time and money. To obtain the car finance you are looking for, it will take some time to research and find the appropriate solution for you. You have to know exactly what you want and, after that, be careful not to let salespeople convince you into a car finance deal that you don’t want. Being familiar with car finance will enable you to go out and get the beast deal for you and your family.

         
     
         
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