Interest

What has gone wrong with the financial lenders? Who has the required five (5) times the funds requested to act as collateral? Who has the necessary credit rating to justify such loans?

The business community and those that have a worth while idea or concept should be treated in a more humane manner than they are presently being subjected to.

Using the free enterprise system and its printed money control system simply to promote the major players or some new derivative or the latest housing sales scam does not provide for or protect the existing hard working people who are the backbone of the free enterprise system in the first place.

Existing profitable and operating businesses need a better and more user friendly methodology when it comes to the securing of funds with which to continue and / or to expand and they should be less expensive.

Here is the inside story; if it is good enough for major world governments to use to pay off there debt to the worlds banks and others, it should be good enough to finance a shrinking economic downturn.

Since very early in the 80's, Mexico was first, this system has been responsible for more than two trillion dollars in restructured loans worldwide. The banks and others were saved from huge write offs with what are known as Brady Bonds (click on any search engine on the net and you will find hundreds of pages) what you will not find is how it was done or a link to a anyone that is doing this for businesses.

The Most Accurate Highest-rated Bingo Sites

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Asset Finance

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.

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.

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Avoid Charity Fraud Scams

There are a lot of charities around and a lot of people help them by contributing any amount they can. But did you know that some of them happen to be scams? Yes there are people who do such things so you should know which ones are legitimate.

If a certain charity asks you for a donation, do a background. You can do this by asking your state or local consumer agency if this charity is registered with them. You should also ask what the charity does and where there proceeds go because they are required by law to file an annual report.

Another way you can check if the charity is legit is by calling the IRS or internal revenue service. This is because charities are exempt from paying tax and usually given 501(3)c status.

You should be more careful when you get an email that asks you to contribute a certain amount because most of these are fraudulent. It is much harder even to tell if the charity is fraudulent or not when the criminals who do this use similar names to a well known charity.

Some criminals have even stooped down to making a fraudulent charity that is supposed to help police officers and firefighters. There have been incidents where they claim that the money they collect will be used to support the families of those who have died in the line of duty but the truth is that no money goes to them. To be sure, you should contact your local police or fire department and asks if such a charity exists.

There are also fraudulent charities that appear when there are natural or man made disasters. Most people will give whatever they can but to be sure, do some checking first.

If you feel like giving something in cash or in kind, make sure that this is given directly to the charity. You can drop this off directly at their nearest office or write a check out to the charity's proper name. They should give you a receipt or a document saying they accepted your contribution. The same goes when you give something through the web.

Should you are being pressured to give cash or something in kind immediately, chances are this charity is fraudulent so don't give it to them, report this directly to the proper authorities and give it to a more legitimate charity.