It is very common nowadays for companies to make lease contracts regarding their equipment instead of buying it first hand. If the business flourishes and makes profit, they will have the option to buy such equipment after the loan comes to an end. As you can see, equipment leasing works very much like car leasing. There are many advantages to equipment leasing, but we are not here to discuss them. In this article you will find the basic points...more
Well, the year is coming to an end and many business owners are meeting with their accountants and tax advisors to figure out how to reduce that inevitable income tax burden coming in April. Here are a few strategic ways to keep some more of that money at home.Business owners are often successful in earning some money beyond the expenses of acquiring it-in short, profit. The only problem is, the profit is taxed. So, we work with our tax advisors...more
It takes the best stock market predictions to achieve top stock market results, but choosing the best stocks to invest in is not easy. One approach professional investors and traders use is the fundamental analysis of stocks, where others prefer the technical analysis of stock market trend. The fundamental analysis of stocks is based on criteria like Earnings per share, Price/Earnings ratio, PEG Ratio, Return on equity and Return on assets. Whether you are looking for best penny stock to buy or any other hot stock to trade, you will find the following five out 10 fundamental key metrics very useful. They pinpoint the characteristics shared by the top performing stocks before they made huge trading profits in short term. 1. Earnings per share - EPS Definition: EPS is the ratio of the company's net income to its number of outstanding shares (all stocks held by investors and the company's insiders). What it measures: Earnings-per-share (EPS) serves as an indicator of a company's profitability. Recommended value: No less than 80. Interpretation: If a company has displayed good growth over the last 5 or 10-year period, it is likely to continue doing so in the next five...more
All you need to do is sign an income verification accompanied with a loan application and you can get a low-doc home loan quick and easy. This type loan saves your from the aggravating task collecting all the necessary forms pay slips, tax returns and other income documents that normally are needed when applying for a traditional mortgage.Its A...more
1.Lower Interest Rates The very number one reason to refinance your home is also the best reason. If there is a 1.5 to 2 percent difference between the interest on your present loan and the going rate, it is time to seek a better deal. Not only will you pay less across the entire length of the loan, but gaining a lower interest rate should reduce...more
The home loan you presently have on your residence may not be the best deal you can find in todays Australian mortgage market. It might have fooled you in the beginning convincing you it would work hard on your behalf. But, there was not enough built-in flexibility providing enough options that allowed you the ability to keep your money working for you effectively. Perhaps, your home loan isnt working for you at all. Perhaps, your loan actually works much better for your lender. Its time to examine the relationship between you and your lender to explore another option that is more beneficial to you.If You Are in the KnowOnce youve examined your present situation and have taken a good look at todays financial market, you can opt to refinance your home to gain access to better and more flexible options. Its a good idea to negotiate with your present lender for a lower interest rate and the elimination of certain fees and other charges. The mortgage market is quite competitive now. Many people are using the equity found in their home investment to rid themselves of a variety of high-interest debt such as monthly credit card charges. Almost all credit card companies charge interest...more
The recent economic downturn has affected people worldwide including many Australians on the verge for retirement. Like many, retirement programs got hit, stick market investments dwindled usually leaving as the one true equity vehicle a home lived...more
Consumers obtaining a low-doc home loan do not need to present to their mortgage broker or lending institution a bunch of separate documents proving what your assets, liabilities and income happen to be. There is still a written application process...more
Often consumers face the unenviable situation having to make many monthly payments to a myriad of creditors. A consumer may have an average of six-to-eight separate monthly payments including three or four credit cards, one or two automobile loans, a...more
Bustling about getting everything done during daily life leaves very little time for any special projects you need to take on from time to time. Projects like finding a good home loan when you are ready to buy can consume not only your time, but a...more
There once was a time when a consumer could obtain a 100 percent loan in the Australian mortgage market. Those days are pretty much long gone now. However, a savvy home loan consumer can structure a mortgage that covers 106 percent of the costs...more
Most Australian homeowners probably have not encountered the phrase Mortgage Acceleration. However, contact with a finance professional may just bring this phrase into play. Most do not know that the simple definition is to speed up the time it takes...more