Finance Review

Archive for the ‘Fanancial tips’ Category

North Finance has been on the market since 2001. North Finance addressed at Kolyma Cyprus; however, North Finance registered at Belize. Like two sides of coin, this for-ex broker has two different sides, bad and good side. North Finance’s good side is competitive spread, easy new account opening, small minimal capital, easy deposit and withdrawal operation, interesting leverage, free Meta trader trading platform, good customer support, bank guarantee, swap free policy, IN business opportunity, trading varieties. North Finance is not good at news matter, no news tab in this broker’s Meta trader, and busy server at news release.

In this for-ex broker, the spread is quite interesting; begin from 2 up to 10 pips in the news time and no commission. It is very easy to begin trading in North Finance, you can open account within 10 minutes from all over the world through the internet. The minimum capital to start for-ex trading in North Finance is $100; moreover, no minimal deposit and withdrawal at this for-ex broker, you also do not have to pay charge in deposit and withdrawal operation in North Finance. This for-ex broker accepts deposit via wire and electronic payment (e-gold). Credit leverage in this for-ex broker is very attractive, especially for low capital trader; begin from 1:1 up to 1:500.

This for-ex broker use Meta trader, instant execution and quotation system with eleven different languages. However, regrettably, North Finance’s Meta trader does not support news that is one of important factor in for-ex trading. North Finance also support mobile trading; you can download Meta trader mobile freely at this for-ex broker. North Finance is very good in customer support; you can access customer support 24 hours 5 business days lively on North Finance live chat.

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Custom Lease Structure: Our leasing professionals will work closely with your staff to design a program that will provide the leasing alternative for your products. Sales Training: We offer a lease orientation program for your sales team to show the competitive advantage of leasing vs. purchase. Lease Rates: Lease rates are continuously updated and will be distributed to your sales team quarterly via e-mail.

Lease Quotation Preparation:We will prepare lease quotations within 24 hours. We will also assist your sales team to provide quotes directly.Credit Review: Credit reviews are completed within 2 – 4 hours. Leases are non-recourse to you, unless otherwise agreed by you in advance. Documentation: We prepare, and execute all lease documents. The Master Lease is executed once, and any additional needs simply require a one page Lease Schedule.Invoice Payment: Invoices are paid within 1 business days of receipt of notice of equipment delivery and acceptance.

Process:

Issue Lease Quote: A lease quote is issued in accordance with the sales quotation.
Submit Credit Application: The customer completes and returns the lease application and financial information for credit review. Key Equipment Finance renders a credit decision within 2 – 4 hours of receipt

Prepare, Forward and Recover Documents: Upon credit approval, lease documents are prepared and forwarded to the customer for signature. Issue Purchase Offer: Upon receipt of properly executed documents,Key Equipment Finance issues its purchase order for the products and services to be leased. Invoice Payment: Upon advice of installation and acceptance, invoices are processed for payment within 1 days of receipt.

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Cash is not accepted! Yes, we do not want your bills and coins!

As a store owner, I have decided not to accept cash. Sounds crazy? – I don’t think so. Cash use in Canada has been on a steady decline over the last number of years. And there are plenty of good reasons for it:
most people get their pay directly deposited into their bank account or get paid by a cheque which goes into same bank account.

Most (if not everybody) have bank debit cards and credit cards. Debit or credit cards are accepted almost everywhere. Actually, I can’t name a place in GTA that still does not accept any cards. Well, maybe just hot dog stands? We all like collecting our points, such as Air Miles, Petro Points, Dividend Cash Back or any other rewards provided by credit card companies. Cash is dirty. Germs alert. Think of all the people who held the bill you have in your valet or pocket. Cash can be easily lost or stolen.

You may ask, if I am, as a business owner, obligated to accept cash. After all, it is a legal tender. NO. Not in Canada. Any business operating in Canada can choose to accept or refuse to accept any form of payment, as long as its policies are clearly displayed to customers.

Going “cashless” was not an easy choice. I feared – what if it will scare away all customers? So, I’ve conducted a tiny survey on cash usage. Starting with my friends and family, and moving onto people I would meet in other stores. The question was: how often they pay by cash for anything other than a coffee? “Very rarely”- was the answer by about 80% of them. And when asked if they had at least 1 Debit or Credit card – all of them said “Sure.” Furthermore, most of them added that they never carry more than $20 in cash.

Not accepting cash can also save you money. Of course, there are all kinds of fees you pay as a merchant for accepting credit or debit card transaction. But, because nowadays, you just have to accept “plastic money”, you pay those fees anyway. And getting $20 or $50 or even $100 a day in cash is not going to save you. But it will cost you extra time every day to count POS cash balance before opening and after closing. It will also complicate your accounting, since cash on hand and bank account balance are two separate things to keep track of. It will cost you even more due to human error factor, since your sales clerk gives change for cash payments.
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There are many things to consider when you are thinking of buying a car, whether used or new. Here are the Do’s and Don’ts of Auto Finance.

DO know your budget -

One of the first things the dealer will want to find out from you is how much you can afford. It can be difficult to answer that question unless you do some homework. Before you head to the dealer take a close look at your budget. You will definitely want to know how much you can afford to pay monthly. It is also important to consider the future. For example, let’s say you can afford to pay $400/month currently. However, you know that in 1 year you are planning on leaving your current job to go back to school full-time. You would absolutely want to plan for this and not bite off more than you can chew in the future.

In other words, plan accordingly if you think your car budget may change in the near future.

DO Get The Facts On-line

Before you visit the dealer, we give you three words: free car fact. There are plenty of those free car facts on-line. You can even find out how to get a free car fact report on the exact vehicle you are interested in. The internet will provide you with all the info you need—models, colors, prices, options, you name it. All car manufacturers now have websites. On most of these websites you can create your vehicle by picking out the model and all of the options you want. At the end of building your virtual vehicle, you will be given an MSRP. (Sticker Price) You can and should take this to the dealership with you. This will save much time and energy because you will know exactly what you want and will know the approximate price.

And if you are buying a used vehicle…

Again, do as much research on-line as you can. Know what you are looking for. Since you are buying used, you may have to have a little more flexibility on the options and specs. But it still helps immeasurably to have an idea of what you are looking to buy. Go on-line and look at consumer reports and other car websites that will give you the objective information you need to make a wise decision.

DO Take Advantage of On-line Pre-arranged Financing

For this service, we currently have recommendations posted on AutoFinanceReview.com [http://www.autofinancereview.com]. We can’t stress enough just how helpful it is to arrange your financing on-line before you actually find the car you want.

And now for the Don’ts:

Don’t Buy More Than You Can Afford

As mentioned above, you really want to know your budget. It can be easy to get caught up in the excitement about owning a new vehicle, and this can cloud judgement. So your best bet is to do your homework, or due diligence, before you actually have a shiny new car in front of you. Otherwise, you have the fresh carrot dangling in front of you and you are likely to reach out for it. The last thing you want to do is over-extend yourself. If you end up having to get rid of a car that you overspent on, you may end up “upside- down” and lose money. To be “upside-down” simply means that you owe more than the asset, in this case the car, is worth or will sell for. Obviously this is not a position you want to be in. You end up having to pay, sometimes thousands of dollars, just to get rid of the car. We don’t want to see you in that position. So, know you budget, and do not over-spend.

Don’t Be Hasty

This one is pretty self-explanatory. Be patient and take your time when selecting a new or used vehicle to purchase. This is exactly the opposite of what either the salesman at a dealership or a private seller of a used car wants. Don’t be forced to give in to what either of them want. This is your life, your money, and your decision to make. Know your own interests. Interests are simply your needs and desires. Get very well aquainted with them and do not concern yourselves with those of the other party. If you are in touch with your interests, and act on them, then the end result will be much better for you.
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