Personal Finance News

In a time such as today’s when the world economies are still struggling to recover from the biggest economic recession in recent times, when stocks plummet without even a notice, no warning whatsoever, what to do? The hard times are here and when there seems no way out, just smarten up and take the road that’s tried and tested before, the road to personal financial investing. It is time to grow your money by leaps and bounds with trading currencies. Not that challenges will be lesser on this road, the major challenge will be the absence of an established business track record but not let that stop you. Utilize your past business financial information to start up with some capital loan. No bank or lending institution would lend you money if you lack personal financial information. While you begin with personal finance investing as a new venture, you would definitely not have cash flows or dividends information, or any financial statements enough to support you secure a loan.

And if you do not have any past personal finance news and information then do not panic as where there is a problem there are ample solutions too. In today’s digital age where everything is centralized around the vast Internet web, small business owners or beginners can enjoy endless advantages through the technology solution tools. You can trade online without even bothering to arrange loans for beginning with personal financial investing. Through the internet you can fill your kitty with all the necessary knowledge about the financial calculators and conduct your way through to the automated trading bot, impressive software that is exclusively designed to trade on your behalf leaving you to attend to various other things needed. And yes, you do not miss a single trading opportunity through the trading bot; but be careful not to make it a habit of relying on automated software for your activities as at the end it’s you who is responsible for any rise or fall in the business. So be determined and cautious, and the ‘win’ is yours

Asset Financing: Leasing Over Loans

Asset leasing provides unique alternatives over traditional financing for businesses to obtain the necessary equipment for their operations. Asset leasing is done either as an operating lease or a capital lease. Each option has its own effect on the company’s balance sheet, but both give a business extra options to finance assets needed to expand their business, simplify processes, and generate revenues. Typically, financing with a lease agreement is much easier and faster to do than traditional loan financing through a bank.

Operating leases are agreements for the use of assets and do not allow the business entity any rights of ownership. Operating leases are most like automobile or apartment leases, where the lease payments are made for a set term described in the agreement. The company does not list the equipment as an asset on its balance sheet, the same way a tenant cannot list their apartment as their own property.

The benefits of an operating lease are that it can allow businesses to save money on maintenance costs, obtain new equipment after term expiration, and use assets for projects that they may not typically be able to do. For example, a real estate firm may use an operating lease for copy machines on a two year term. At the end of the term, the firm would not have to worry about re-marketing and selling the used copiers, they can simply be traded up for new machines. This also avoids the need for increasing maintenance costs as equipment ages, as sometimes maintenance/warranty costs can be included in the lease payments.

The use of an operating lease can help a small or new company get what they need in order to take on bigger projects and hopefully grow revenue. A construction company may choose this in order to win a bid on a large job, rather than spending possibly tens of thousands dollars for heavy equipment that may only be used for that one particular project. A firm could use a short-term lease (perhaps one year) for equipment needed to complete the work, while only paying a portion of the cost of that machinery.

Capital leases are sometimes called financing leases because they give a company the same rights to ownership as financing with a traditional bank loan. The equipment obtained through the lease is recorded as a company asset and the lease balance is reported as a liability. A key benefit of capital leases are that they are easier to obtain than traditional loans and have a variety of payment options. This allows for small or start-up businesses, with little to no credit, to obtain financing that may not be available to them through traditional means and flexibility in pay back options. Other than their recording on the balance sheet, capital leases differ from operating leases in that they typically have longer lease terms.

Capital leases allow firms with weak or no credit to build up their business credit while obtaining assets necessary to expand operations and increase revenue. At the end of the lease term, the business would have ownership rights to tangible assets that can continue to be used by the business or sold in order to gain cash.

These leases may include special finance options to further help businesses gain assets needed to generate revenue while keeping overall costs and expenses low. Financing programs, such as 90 days deferred or 90 days same-as-cash, will give a business the option to use equipment and generate revenue for three months prior to the start of lease payments; or an alternate option to purchase the equipment outright and avoid finance charges if capital becomes available.

Another finance option is the use of residuals, or balloon payments, that are due at the end of the lease term in order for the entity to own the asset. The residual option allows for lower monthly payments for the lease term, making the asset more affordable, and thus deferring the full cost of payment/interest expenses until a later time.

It is not completely uncommon to have an almost customizable payment option on a capital lease. These options are used for specific industries that may see large swings in revenue over the course of a year, such as seasonal businesses. These options may allow for lower, or even no payment, during down times of a season and continuation of regular amounts starting at a particular time of the year.

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