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    Free Essay
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    The war on marijuana and the war against online gambling

     

    The government is currently spending around 1 billion dollars a year to keep 45,000 prisoners in state and federal prisons for Marijuana related charges. That is one billion dollars a year that can be better spent on welfare, education and medical insurance for the poor. All this money just to keep Marijuana illegal and this does not even cover the cost of keeping those jailed for other drug charges. This is no different from the hundreds of millions of dollars the banking industry is going to have to spend to develop a system that can stop the transfer of money from one account into the account of online casinos for the purposes of casino gambling, which everyone involved in coming up with the rules and means to block these transfers admits there is no way to make it work. In both cases the government would be smarter to legalize the usage of Marijuana and online casinos, regulate the industry to make safe and use the tax revenue to increase the living standards of our poorest citizens. By keeping Marijuana illegal the government is not stopping anyone from getting it. All they do is make people have to travel to shady areas to purchase Marijuana. Making it unsafe for people to purchase, but if they legalized it, they would be reducing traffic to drug related areas and it would allow the police to better target dealers and users of harder drugs like crack, coke and heroin. By keeping online casinos illegal they are missing out on all the tax revenue and causing those who prefer to gamble online to risk being ripped off with no possible recourse. One of the main reasons given for banning online gambling was the war on terrorism. There is a chance that terrorists could open an online casino and use the money to fund attacks of Americans, but banning it just makes it harder to see where the money is going. By legalizing and licensing the online casinos you would have a transparency into the industry that would allow the government to see that the money does not go to terrorists or to fund terrorism. It would also allow some of the money that leaves the country every day to online casinos overseas to stay here to help create jobs and opportunities here that is currently going to someone else, by allowing American casinos to open casinos and Sportsbooks online. Bringing new industry to the USA would be an excellent way to give a desperately needed boost to a struggling economy. Both the war on Marijuana and the war on online gambling cost the country a lot of money but have done little to stop drugs from entering the country and being sold or to stop people from gambling on a daily basis in online casinos and poker rooms. These laws need to be thrown away and the countries attitudes towards them need to be looked and have a more accurate assessment on their impact on the country. In the end I believe we will find that online gambling and the legalization of marijuana will provide us with the tools we need to fix other more serious problems with the country.

         
    Top mistakes with equipment leasing

     

    When negotiating on equipment leasing contracts, small business and corporate accounts should review all the legal terms in order to avoid the top mistakes associated with leasing equipment. These rules are applicable in multiple areas of equipment leasing from educational, computer and engineering equipment leases. Mistakes to Be Avoided in Contracts One of the primary mistakes made when negotiating their lease is the use of a very short contract. The short contract text may not address issues involving problems with software in computer leases or litigation issues such as employee piracy. Other issues that are not addressed in many short contracts include: • Software transaction agreements • Troubleshooting Support Issues • Clauses handling provider’s going out of business It’s important to make sure that all parties have their expectations clearly outlined in the contract. The contract helps avoid mistakes in leasing equipment by detailing the obligations of both parties. Contracts that possess clarity and completeness are important and the shorter the contract, the more likely there will be legal risks and ramifications for the company leasing the equipment. Performance Details The contract should detail the performance of the equipment. If someone is leasing a computer system, a server or a backhoe, they need to know that it will handle the load they are preparing to deliver to it. The performance details are an area where equipment can fail in leasing if they are not clearly stated. It’s important to make sure that both parties have those issues clarified before closing on any contracts or deals regarding performance issues. Structure Defects Structuring agreements is key to understanding where responsibility lies. An equipment leasing agreement needs to stipulate the structure of the deal. In other words, the salesman is unlikely be the primary contact for system defects. The primary contact may be the manager in charge of that account, but they will likely only handle negotiation issues. Customer support issues may be directed elsewhere. That structure and allocation of responsibility must be clearly spelled out in the contract. Equipment Hardware Leasing Specialties When leasing computer equipment, there are often software leases that are required. It’s important to coordinate the duration of the software leases to be comparable with the duration of the equipment lease. It’s important to ensure the compatibility of all leased equipment with other equipment from different vendors. It’s also important to make sure that a project’s start and completion dates are commiserate with the equipment lease. Balancing the needs of the developers with the equipment support is a difficult thing to assess, but it’s important to make sure that the leases support the needs of the company small or large. Solicitors Not Welcome Solicitors (lawyers) are often not consulted during the initial drafting of equipment leasing. This is a mistake, especially for small businesses that do not possess an in house legal team. Lawyers can help smooth the transaction and avoid loopholes that might cause legal problems for both parties during an equipment lease. However, when utilizing a lawyer, it’s important to find one experienced in lease transactions. The Results versus The Resources Be sure to clearly define the need for the equipment lease. Most leasing companies see themselves as providing resourcespanies large and small are not looking for a resource as much as they are looking for a result. It’s the end of the line result they are seeking most of all. Communication Clear communication is important from the get go. When negotiating for an equipment lease, be sure to have all questions answered prior to agreeingpanies make a mistake in leasing equipment from a vendor if they have trouble getting them on the phone or returning calls. Those issues can lead to service problems in the future. Be Realistic In Expectations Client companies must be realistic about what they are expecting. Vendors will usually negotiate and do their best to fill customer requirements, however the client company must also keep in mind industry standards and limitations. While technology continues to grow, it’s important to realize that not every goal has been achieved as yet. Short Term Versus Long Term The final and most important mistake made in equipment leasing is considering a contract as something that needs to be closed immediately in order to make a deadline that occurs in the next few weeks. Realistically speaking, avoiding looking at the long-term effects of an equipment lease may leave the client with a piece of equipment they do not need or a bad contract altogether. If their short-term goal is to launch a new product or get the foundation of a new project started, but the equipment will not help in the long-term goal, that should be addressed. Equipment leasing provides numerous benefits to businesses large and small. It’s important to recognize the benefits, but to also avoid the pitfalls of mistakes that can be made when negotiating an equipment lease.

         
    With a lease the devil is in the details

     

    In the last article we looked at a few of the things you should consider before leasing that first office or storefront for your business. To recap, you should not only consider the old standard "location, location, location," but also consider things like sufficient parking, the number of employees who will be working onsite, and future growth projections. I stressed that it was important not to get caught up in the moment. You should take your time to find the space best suited for your business for the long haul, not just for today. This week we'll discuss the most important aspect of the process: signing a commercial lease (insert dramatic music here). One of the biggest mistakes many entrepreneurs make when leasing commercial space is not reading the lease. Forget reading the fine print. When it comes to a lease its ALL fine print. Don't believe me? Let me tell you the true story of my friend, Homer, whose name I have changed to protect the ignorant. Homer signed a two year lease on a suite of offices for his business. As the owner of the business Homer signed on the dotted line and agreed to personally guarantee payment of the lease and to abide by its terms. Homer moved in and it was business as usual until the end of the two year lease term drew near. It was then that Homer discovered that failing to read the lease was going to be a very costly mistake. Toward the end of the two year lease period Homer decided to relocate, but when he gave the landlord what he thought was the customary 30 day notice, he discovered that the lease had automatically renewed for another two year term at the 60 day notice point. In other words, Homer didn't realize that the lease required a minimum of 60 days notice to let the landlord know that the lease would not be renewed. Because Homer did not know that he was required to give at least 60 days notice of his intent to vacate, the lease automatically renewed for another two years. And there was not a darn thing Homer could do about it but reach around and slap himself in the back of the head for not taking the time to read the lease. What was the landlord's position when Homer pointed out that he had not read the lease and therefore was not aware of the 60 day notice? The landlord, while sympathetic to Homer's plight, stuck to his guns and told Homer that he would have to honor the lease, which meant that even if Homer moved out as planned, he was still on the hook for paying the rent for another two years. Does the fact that the landlord chose to enforce the lease agreement rather than let Homer off the hook make him an evil man? Not at all. From the landlord's point of view, he had no choice but to enforce the terms on the lease. He had a signed contract that told him his space was going to be rented for the next two years. He had not planned on the space suddenly being vacant. Being a landlord with unrented space is like being a business with no paying customers. Empty space means no revenue from rental fees which means no money to pay the mortgage payment. As the old saying goes, "It's just business..." Sure, any landlord with a heart might feel bad that Homer was ignorant of the auto-renewal clause, but not so bad that they are willing to risk their own financial well-being by having Homer's space sit vacant. The bottom line is this: whether Homer read the lease or not is irrelevant. Homer signed the lease, thereby agreeing to its terms, and therefore he must hold up his end of the bargain, period. As of this moment, Homer is relocating his business in spite of not being able to get out of his old lease and he will continue paying the payment on the vacated space for the remaining two year term of the lease or until he can sublease the space. Even then Homer is not fully off the hook because he will still be considered the legal tenant unless his sublessor agrees to sign a new lease with the landlord. Hopefully he will just have someone else making the lease payments. Again, the moral to this story is READ THE LEASE. Or even better, have an attorney read it for you. I have learned over the years to never sign a legal document of any kind without letting my attorney review it, especially if the document involves money and my first born child. Here are a few other points to ponder before signing a commercial lease. How is the lease payment calculated? The most basic equation for calculating a lease payment takes the number of square feet times the cost per square foot, then amortizes that over a 12 month span. For example, if you have 1,000 square feet and the cost per square foot is $12, the annual lease payment would be $12,000. Divided by 12 months the monthly lease payment would be $1,000. Again, this is a simplified scenario. These days most commercial leases include additional factors that affect the final price, such as rent increases, operating expense escalations, common area charges, etc. Who pays for what? It's important that you understand exactly what you are paying for. Are you responsible for any costs other than the rent? Will you be responsible for paying your own utilities, for example? Will you have to pay for parking privileges or janitorial service? Who handles maintenance and repairs? Is there an escalation clause? It is typical that the lease contain what's known as an escalation clause that allows the landlord to pass on increased building operating expenses to the tenants. If your lease contains such a clause you should ask for a cap on the amount the lease payment may rise over a given period of time. And if the escalation clause is ever activated by the landlord you are well within your rights to ask for an itemized accounting of the expenses that are being considered as cause for your raise in rent. What rent increases might there be? One very important factor to know is this: if you do renew the lease how much can the landlord go up on the rent? It is expected that rents will increase as property values increase. If your landlord can rent the space for more than you agreed to pay a year ago, he is within his rights to ask for the increase. However, it would be a nightmare if your rent suddenly doubled overnight. Negotiate the increase before you sign the lease. Most rent increases are calculated by percentage, not by flat rates. Renewals and terminations. Most leases require that you give a minimum of 60 days notice if you intend to terminate the lease and vacate the property. As Homer learned, many leases also renew automatically for another term unless you give notice within 60 days of expiration. Know when your lease expires and the time required to give notice. Is a personal guarantee required? What happens if your business goes south and can no longer afford to make the lease payment? Are you then responsible for paying the rent out of your own pocket? Probably so. Most landlords insist on a personal guarantee from the owner or an officer of the business. This means that even if you go out of business you are still personally on the hook for the remainder of the lease. Finally, clarify all points. You should be clear on every point in the lease. And if you are not, ask for clarification. Exactly what space are you leasing? Who is responsible for repairs? What common areas will you have access to? Who is responsible for maintaining the little things, like keeping the shared restrooms stocked with soap, towels, and most importantly, toilet paper. A small detail to consider now, but not when you suddenly find yourself without such amenities at the wrong time.

         
    Workflow automation in the leasing industry creates efficiencies

     

    : Lease management software provider Odessa Technologies contends that automated workflow processing accelerates lease processing times, effectively manages related processes, and optimizes workforce efficiencies in any decision making environment. Any workflow process, whether it be for the decision on lease applications or vendor payments (check requests), can be accommodated by an automated workflow system that is built with adequate versatility. In fact, the automation of decision making can fundamentally change the way an organization works, forcing it to confront its bottlenecks and find new ways to create efficiencies. Workflow model applied traditionally A standard workflow that can be managed through an automated workflow system is the lease application process. Typically, a lease application traverses through various departments or stages before an approval or rejection decision is made. An application may, for instance, first go to the credit department, then funding, and finally to the legal department before getting approval. Moreover, certain applications (i. e. those which exceed a certain pre-defined dollar limit) may have to make two (or more) stops in the credit department before moving forward. Workflows such as these can be easily modeled in an automated system; further, based on certain user-defined conditional logic (such as a credit limit), the application can even move through different paths within the same workflow. Extending the workflow concept beyond the traditional With the advent of sophisticated leasing software applications, it is now possible to automate entire workflow processes within an organization. Workflow automation in the leasing environment lends itself to a high degree of control over the typical processes followed by companies with tight security controls and access rights of users and roles. It also lends itself to planning, based on the data that is maintained by the system. At any given point, managers can, for instance, accurately assess where applications stand, which payments need approval, their stage in the approval process, and any related impact on cash-flow planning, etc. Performance can be appraised based on approval rates, the quality of applications, the number and type of credit checks made, the length of time a particular role/user took to make certain types of decisions, etc. Therefore, an automated workflow system not only allows for greater efficiency, but given its data-richness, also serves as a natural control and planning tool for the entire organization. Workflow software functionality Automated workflow software provides businesses with unparalleled flexibility and functionality. Users can easily perform a range of functions such as: -Replicate real-world workflows for efficient management of front and back office processes -Receive applications online or through any source desired -Set up vendor programs, unique to each vendor -Automate credit decisioning -Apply pre-determined price matrices -Automate decisions based on one or many variables -Set up unlimited workflows to process decisions -Define unique conditions and tasks for each stage in any workflow -Comprehensively generate and manage all related documentation -Process complex decisions that exactly represent the needs of each situation -Manage and control the overall system with extensive levels of control

         
     
         
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