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  • November | 2015 | Financial Ratio Analysis
    Leasing The basic concept with the leasing is when you get a certain item on lease then you have to pay the monthly payments in the form of rent to use the item You can negotiate with the owner regarding the price There is no rate of interest on the leased money so you will just have to pay the money you and the owner have agreed upon There are certain benefits of leasing an item and there are some drawbacks as well One of the important benefits of leasing something is that you don t have to go through a bank to access your money to pay for the equipment over a time You will be dealing directly with the individual or the company that own the product This process is totally different and hassle free That was all about the benefits of leasing now let s discuss about the drawbacks You will have to pay a monthly rent regardless of how much did you use the equipment You can never own the equipment because the money you pay every month is the rent If you are fine with this concept then you can get the equipments for your business on a lease Lease Purchase Or Financing The second method is a lease purchase or financing This method is similar to lease but has some additional features as well In this method you will have to pay the monthly payments on a loan The good part is that when the loan ends you will own the equipment But in the whole process you will pay an inflated amount every month due to the interest rates on the equipment But after paying such inflated amounts every month you can take a sigh of relief because you the owner of the product and you can use it according to your needs and convenience You will always be presented with the two options You can either pay the entire amount up front and take the equipment to your workplace or buy it on the lease purchase I will insist that you should choose the first option as it is better to pay the money right away and save from getting indulged into the loan procedure Mortgage Leasing The third method is to use the mortgage leasing You can easily get the equipments from the seller by using this method The concept of mortgage leasing is quite simple When you want to get equipment from another company then basically you are asking them for more money so that you can easily buy the equipment The mortgage company will give you time to return the mortgaged amount and till then they will own the equipment Once you have paid all the mortgage then you are the owner of the equipment So a mortgage payment is similar to lease payment but a user has to pay for the premises and as well as the equipment So these are the three methods of equipment leasing and

    Original URL path: http://spestx.info/2015/11/ (2016-04-29)
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  • 5 Things To Consider | Financial Ratio Analysis
    customers with deals and jargon they do not understand To simplify the process we have come up with five things you should think about before opening an account Extra Fees One of the many ways banks make money is by charging their customers service fees Whether they come in the form of ATM fees or monthly maintenance costs these charges have a way of adding up over time When interest rates were high costs were rarely a concern because accrued interest would cover them But with rates near historic lows many customers lose money on their checking and or savings accounts because of sundry service fees As a potential client it is important to look for financial institutions that do not charge excessive fees for the services you use on a regular basis Locations If you are someone who either prefers to or needs to handle transactions in person the physical location of the institution takes precedence For obvious reasons large establishments that have numerous branches may serve you better It is also important to consider the number of ATMs the institution has since most banks charge fees when you use a cash machine that is not a part of their network Also keep in mind that convenience is something you almost always end up paying for As such many of the larger more accessible providers charge more and larger service fees and have less competitive interest rates Current Balance Some financial institutions penalize customers for letting their account balances dip below a certain level So if you are someone who lives paycheck to paycheck it is best to avoid these establishments like the plague The amount of money they will cost you in punitive fees could erase your hard earned savings in no time Services Because they have more

    Original URL path: http://spestx.info/category/5-things-to-consider/ (2016-04-29)
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  • A Brief History | Financial Ratio Analysis
    having similar names Without the proper ABA number funds that are supposed to go to Bank of America never go to American Bank or any other institution with a similar name It is not uncommon for banks to have more than one routing number depending on the location and purpose of certain accounts but each number is unique No two banks will ever share a routing number A History of the Routing Number Bank routing numbers were created by the American Bankers Association in 1910 as a way to make check processing easier and more secure source Bankrate An ABA number would help a person taking a check be sure that they would receive the promised funds from the payer s bank This was of course well before computers and electronic transfers became the norm so a system needed to be put into place to make transferring funds between banks as reliable as possible Bank routing numbers began to be used in electronic check cashing networks in the 1960s to make the process of cashing a check faster than ever before Physical checks were of course still being written during this time but the fact that they were read and processed electronically greatly reduced any errors that could be made 2004 saw the passage of the Check 21 Act which made it easier for banks to create electronic copies of checks for transportation purposes instead of physical checks This made the already fast process of cashing a check far more efficient source FDIC Physical checks are still routinely written and distributed but electronic copies are now the norm as they allow banks to transport and deposit checks much more easily However bank routing numbers are still widely used today for things such as direct deposit automatic bill payments and wire

    Original URL path: http://spestx.info/category/a-brief-history/ (2016-04-29)
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  • Bankruptcy Attorney | Financial Ratio Analysis
    obtain the most points of contact meaning how many individuals can be seen per week month and year This game should also consider the individuals that are on your marketing team who are amenable to refer your business Below are some of the many influential tactics that can be used in order to win this so called game of marketing Obtaining the correct targets When playing a contact sport the correct material is necessary you wouldn t be playing soccer while using a basketball would you When marketing you also need to find the correct targets If you want to win this so called marketing game it is crucial for you to market the correct individuals These individuals are those who want and need your services Take the time in coordinating the ideal targets with your experience in order to meet the points of contact Formulating the right type of friends Although the process of meeting other bankruptcy attorneys and legal specialists is important it is crucial to become friends with the more dominant and the most influential players in the market you are in For instance if you are in the market that deals with construction companies that are

    Original URL path: http://spestx.info/category/bankruptcy-attorney/ (2016-04-29)
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  • Buying Essential | Financial Ratio Analysis
    you will just have to pay the money you and the owner have agreed upon There are certain benefits of leasing an item and there are some drawbacks as well One of the important benefits of leasing something is that you don t have to go through a bank to access your money to pay for the equipment over a time You will be dealing directly with the individual or the company that own the product This process is totally different and hassle free That was all about the benefits of leasing now let s discuss about the drawbacks You will have to pay a monthly rent regardless of how much did you use the equipment You can never own the equipment because the money you pay every month is the rent If you are fine with this concept then you can get the equipments for your business on a lease Lease Purchase Or Financing The second method is a lease purchase or financing This method is similar to lease but has some additional features as well In this method you will have to pay the monthly payments on a loan The good part is that when the loan ends you will own the equipment But in the whole process you will pay an inflated amount every month due to the interest rates on the equipment But after paying such inflated amounts every month you can take a sigh of relief because you the owner of the product and you can use it according to your needs and convenience You will always be presented with the two options You can either pay the entire amount up front and take the equipment to your workplace or buy it on the lease purchase I will insist that you should choose the first

    Original URL path: http://spestx.info/category/buying-essential/ (2016-04-29)
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  • Education Course | Financial Ratio Analysis
    counseling agency must be appointed for the same Without the completion of this course the discharge of the consumers from bankruptcy is impossible However it must be kept in mind that the satisfaction of the course taker is not guaranteed even by the approved counseling agencies Important Points Before signing up or enrolling for any debtor education course one must keep in mind a few important points and check accordingly These points are mentioned as follows 1 Availability of the course in written as well as audio format should be preferred over only written or only audio format Since this particular course could be very long and tiring the course taker often feels very bored if the mode if teaching is only verbal or only written Therefore one must research well on the counseling agency to know more about their mode of teaching 2 Hundred percent money back guarantee if the certificate is not provided timely should be provided by the course providers The consumers must check if this policy is provided by the counseling agency so that their money is not wasted Very often fake counseling agencies approach people to take the debt education course without money back policy

    Original URL path: http://spestx.info/category/education-course/ (2016-04-29)
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  • Save Money | Financial Ratio Analysis
    gas mileage by more than 8 New technology based low rolling resistance tires also reduce the wastage of gas due to normal friction and saves energy Have patience accelerate lightly No need to pound the race push the accelerator smoothly Limit the number of brakes struck and avoid frequent use When you hit the brakes you ve spent gas for stopping instead of traveling Watch the road ahead and think of your moves in advance Coast up on traffic jams red lights or green lights appearing from far away and would not remain green till you reached the signal This would limit the use of brakes and save gas Avoid peak traffic time to travel with kids or even for work Traffic forces frequent brakes and accelerations with bumper to bumper cars not allowing you to stop your engine Use a GPS tracking device whenever possible and reach the destination with the shortest and least busy route available Try warming your car up by driving and not just having it started and letting it rest for 5 minutes Idling the car engine wastes gas and it is recommended to start driving immediately as the engine heats up faster Tire pressure should be checked at least once in a week 6 of the gas mileage could be lost for a single pound of under inflation in the tire pressure Fill up gas from the cheapest gas station near you The searching could be done through either online websites like GasBuddy com or through cell phone messaging updates Sustain a stable speed when driving on roads and highways remember always that a constant speed saves the most fuel Avoid keeping your internal air conditioner open at all times if you can keep away from it Tests have shown that it saves fuel

    Original URL path: http://spestx.info/category/save-money/ (2016-04-29)
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  • Services And Features | Financial Ratio Analysis
    to offer more services and features From convenient online transactions to a highly systematised set of instructions for various activities to be carried out in their official Internet domains these banks ensure the most positive experience for their clients However aside from carefully laid out methods and different banking functionalities trusted banks have decided to be an even bigger help to all those people who look to their financial knowledge by releasing informative blog posts about common financial matters These posts are proving to be incredibly beneficial to many because they get to read the expert opinion of established authorities regarding often complicated financial subject matters Aside from that posts have also included business related subjects such as employee retention and the provision of employee benefits to boost engagement and development In addition to detailed explanations of business and money processes these blog posts also offer a bounty of bite sized information or quick and easy tips on how people can be smarter with the most trivial financial activities For example they have tips on how to save money on money transfer services Likewise they offer short yet comprehensive guides to help people further understand the process their money goes through whenever they have their currencies exchanged in different parts of the world and how zoning affects the value of money retained in accounts whenever a certain amount is withdrawn overseas These blog posts are not all though these banks also regularly update their miscellaneous offerings such as their rewards system for particular banking activities It s always a delight for customers that some of their transactions allow them to purchase items or secure special service deals at no cost to them Banks have also transformed into personal financial managers for their clients they are known to help people stay

    Original URL path: http://spestx.info/category/services-and-features/ (2016-04-29)
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