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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>geusxcyms.info</title> <atom:link href="http://geusxcyms.info/feed" rel="self" type="application/rss+xml" /> <link>https://geusxcyms.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 22:23:32 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Cheque Book Loans Provides Access to Instant Cash</title> <link>https://geusxcyms.info/48</link> <comments>https://geusxcyms.info/48#comments</comments> <pubDate>Tue, 18 Jul 2023 07:22:16 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://geusxcyms.info/?p=48</guid> <description><![CDATA[You were aware of the several uses of a cheque book. However, did you know that the simple looking cheque book could be used to finance a loan? This may seem unbelievable but this is a fact. Cheque book allows individuals to access cheque book loans to meet their immediate financial contingencies.Cheque books normally come [...]]]></description> <content:encoded><![CDATA[<p> You were aware of the several uses of a cheque book. However, did you know that the simple looking cheque book could be used to finance a loan? This may seem unbelievable but this is a fact. Cheque book allows individuals to access cheque book loans to meet their immediate financial contingencies.Cheque books normally come with bank accounts. Usually, the only use that the cheque book will be put to is access cash in account or to draw a cheque in favour of someone whom money is owed. Now the chequebook may be employed to finance loans.Cheque book loans can be a solution to your urgent cash needs. This serves as a quick way to get cash advance to meet small financial emergencies. The money you borrow with a cheque book loan can be used for any purpose – to pay bills or for any other personal purpose. The benefit of taking a cheque book loan is that the cash goes directly into the borrower’s account.Cheque Book Loan is a short- term loan granted usually for a term of 14 to 18 days. Borrowings on cheque book loan start from as low as £100 to £800. To get a cheque book loan, a cheque book owner needs to draw a post-dated cheque in favour of the loan provider, which works as a security against the loan. The post-dated cheque will come for repayment on the date specified in the cheque. The amount for which the cheque is written will be a bit higher than the loan amount. Difference between the cheque amount and the loan offered against it will account for the fees charged. The amount of fees charged for this loan varies from lender to lender.The rate of interest on a cheque book loan is considerably high as the loan is for a short-term period. The lender intends to cover his cost of lending and wants to minimize the risk involved in lending the money by pegging the interest rate upwards. However, you need to stay aware of the fact that the loan will carry a charge in terms of a high interest rate, so one should take utmost care to make proper use of the money borrowed.To get a cheque book loan one needs to fulfill certain basic requirements. A borrower must have a regular income, and an active bank account with cheque book and cheque guarantee card. The salary of the borrower must be directly paid into his bank account.While applying for a cheque book loan, one need not worry about his/her credit score. Thus, people with bad credit history or so-called ” problem cases” can also apply for this loan. The loan provider is least considered about the bad credit history. Additionally, cheque book loans will be helpful in improving borrowers’ credit score by helping them in repaying the old debts on time.Applying for a cheque book loan online makes the loan process much easier. Borrowers need not visit the loan providers or fill long applications. This will help in saving time and money of the borrower. Borrowers should collect loan quotes from various lenders and compare them in order to make the search much more effective. The chequebook loans, found in this manner, will be of immense help in fulfilling ones expectations.I am sure you will not have to think twice next time when you need urgent cash, because now you know that you can use a cheque book to get a cheque book loan. <br/><a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a></p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://geusxcyms.info/48/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Auto Loans With Bad Credit – Tips to Get the Financing You Need</title> <link>https://geusxcyms.info/46</link> <comments>https://geusxcyms.info/46#comments</comments> <pubDate>Tue, 28 Mar 2023 16:00:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Online Auto Loans]]></category> <guid isPermaLink="false">http://geusxcyms.info/?p=46</guid> <description><![CDATA[Looking for an auto loan online these days is not an easy task. With the economy still in a downward swing, there are several lenders out there who claim that they can get auto loans for bad credit borrowers only to take application money and run, or worse, set you up with a loan designed [...]]]></description> <content:encoded><![CDATA[<p> Looking for an auto loan online these days is not an easy task. With the economy still in a downward swing, there are several lenders out there who claim that they can get auto loans for bad credit borrowers only to take application money and run, or worse, set you up with a loan designed to make your credit even lower. Finding a bad credit auto loan online is not easy, but it is possible. What you need to do is make sure that you are armed with knowledge before starting the process of searching for a loan in the first place.Take It to the BBBAlso known as the Better Business Bureau, you may be familiar with BBB emblems on some of your favorite online shopping sites. This agency is designed as a protector of consumer interest that makes it a mission to discover who is good and who is bad in the business world.The BBB offers a grading system (similar to the one you had in school) whereby it rates businesses based on a number of factors including customer satisfaction and the reliability of their product or service.Searching the BBB website is a great first step towards discovering if an online lender’s practices are on the up and up. You can use the search bar on BBB’s main page to look for lenders in general or the specific one you are considering. As a general rule, do not work with any business who receives a grade below “B.”Communication Is KeyAny legitimate online lender will provide you with two important pieces of information on their web site: their address and telephone number. The presence of this information may seem like common sense, but they are a really important clue as to who is legit and who is a fraud.Though much of the online lending process can take place over the internet, it may be a good idea to call the company and ask questions before you fill out your application. This will give you increased peace of mind.Pay Nothing Up FrontThe final major sign that a bad credit auto lender is trying to scam you is what are known as pre-approval or application fees. Any company that deals with bad credit borrowers is sensitive to their unique financial position so asking for a fee up front seems counterintuitive.Remember, the ability to give you a loan and get your business is a privilege for the company and they make a lot of money on interest in doing so. Therefore you should not be charged to determine your eligibility. Chances are, if they ask for these fees, they will take them to the bank and you will be out of luck.Finding an Auto Loan OnlineTrying to find an auto loan online with bad credit can be a tough task. It is true that there are many companies out there with less-than-perfect intentions so you need to be diligent in your search. However, the flip side to this is that there are also many great online lenders who would be all too happy to help you get the auto loan you need. </p>]]></content:encoded> <wfw:commentRss>https://geusxcyms.info/46/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Find the Best Auto Loan Online!</title> <link>https://geusxcyms.info/44</link> <comments>https://geusxcyms.info/44#comments</comments> <pubDate>Tue, 28 Mar 2023 13:47:44 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Auto Loans]]></category> <guid isPermaLink="false">http://geusxcyms.info/?p=44</guid> <description><![CDATA[If it is your intention to buy a new car online it is also wise to shop for the best auto loan financing available. The Internet has made it easy to find an auto loan online. There are many sites that can compare rates from multiple lenders who will let you apply for your auto [...]]]></description> <content:encoded><![CDATA[<p> If it is your intention to buy a new car online it is also wise to shop for the best auto loan financing available. The Internet has made it easy to find an auto loan online. There are many sites that can compare rates from multiple lenders who will let you apply for your auto loan online that can help you find the best auto loan for your situation. Whether your credit is good, bad or even non-existent, you can save money by shopping for your auto loan online.You can go to individual dealers to apply, but this is time consuming since you have to apply one at a time and still might not end up getting the best auto loan. By going to a site that can check a variety of lenders, you are more likely to find a car loan online that is perfect for your situation. When you shop for a car loan online, you will get several offers. They will vary in terms of length of loan, payment amount, interest rate, and down payment required. Just find the one that is the best loan for you when all variables are considered and your financing problems are over.Some of the sites that let you apply for an auto loan online work with a specific network of dealers. Once your loan is approved and you have selected the best auto finance deal for you, you would go to a dealership in your area to choose your car. Should they not have a vehicle you want you can always move on to the next dealer who offered you a car loan online. Other sites are basically clearing houses for various groups of lenders. These types of sites will offer you auto financing online that is not tied to any particular dealer. Instead, they will approve you for a set amount that can be used at any dealer subject to certain restrictions, such as the accepted value of a used car. These are often the source for the best auto finance deals.When you apply for a car loan online, be sure to complete the application completely and accurately. Do not give any misleading information about income, length of time at the same job or address, or your current debt level. Just because you are completing your application for auto financing online, this does not mean that they will not verify the information. They will, and if they think you deliberately falsified information, it can hurt your credit rating, which will make it impossible to secure the best auto financing now and possibly for several years to come.If you think your income to debt ratio is such that you cannot qualify for auto financing online or receive favorable terms to obtain the best car loan, find out how you can remedy the situation. If the problem is too many credit cards, try to pay some of them off and maybe close some of them before you apply for your auto loan online. And if the problem is a lack of income, you might try taking on a part time job to help you secure the best car loan terms.Finding an auto loan online is just a matter of a few clicks. Compare all of the offers and then select the best auto financing options for your situation. Soon you’ll be driving in style, with the best deal you found by getting your auto loan online. </p>]]></content:encoded> <wfw:commentRss>https://geusxcyms.info/44/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Nine Questions to Ask Before Committing to a New Commercial Real Estate Loan or Multifamily Loan</title> <link>https://geusxcyms.info/42</link> <comments>https://geusxcyms.info/42#comments</comments> <pubDate>Tue, 21 Mar 2023 16:52:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://geusxcyms.info/?p=42</guid> <description><![CDATA[Property owners sometimes focus almost exclusively on the interest rate and the period for which it is fixed when choosing a new commercial real estate loan or multifamily loan. However, other factors have a significant impact on the “total cost of capital” and can limit or expand owner options later on. Before signing on the [...]]]></description> <content:encoded><![CDATA[<p> Property owners sometimes focus almost exclusively on the interest rate and the period for which it is fixed when choosing a new commercial real estate loan or multifamily loan. However, other factors have a significant impact on the “total cost of capital” and can limit or expand owner options later on. Before signing on the dotted line, be sure you have answered these nine questions.1. What are your plans for the property and your objectives in refinancing?Choosing the most advantageous financing solution for your apartment or commercial property involves weighing tradeoffs between the terms and conditions of alternative loan options. Making sound choices begins with a clear understanding or your plans for the property and objectives in refinancing. Is it likely that the property will be sold in the future and if so when? Are you reliant on income generated from the property now or are you looking to maximize income from the property in the future, perhaps after retirement? Is there deferred maintenance that needs to be addressed now or in the near future? Is remodeling or other major upgrades or repairs expected in the next 5 to 10 years? Will you need to access the equity in your property for other investments, for example, to purchase another property?2. What happens after the fixed period?Some commercial property or multifamily loans become due and payable at the end of the fixed period and others. These are often called “hybrid” loans and they convert to variable rate loans after the fixed period. A commercial real estate loan or multifamily loan that becomes due after the 5, 7 or 10 year fixed period may force refinancing at an unfavorable time. Financial markets may be such that refinancing options are expensive or unavailable. Or local market conditions may have resulted in increased vacancies or reduced rents, making your property less attractive to lenders. Frequently the lowest interest rate deals are for loans that become due at the end of the fixed period and include more restrictive pre-payment penalties (see question #4). Hybrid loans convert to an adjustable rate loan with the new rate being based on a spread over either LIBOR or the prime rate and adjusting every 6 months.3. What is the term of the loan and the amortization period?The term of the loan refers to when the loan becomes due and payable. The amortization period refers to the period of time over which the principal payments are amortized for the purpose of computing the monthly payment. The longer the amortization period the lower the monthly payment will be, all other things being equal. For apartment or multifamily properties, 30 year amortizations are generally available. For commercial properties, 30 year amortizations are more difficult to come by, with many lenders going no longer than 25 years. A loan with a 30 year amortization may have a lower payment than a loan with a 25 year amortization even if it carries a slightly higher interest rate. In most cases the term of the loan is shorter than the amortization period. For example, the loan may be due and payable in ten years, but amortized over 25 years.4. If loan converts to a variable rate after the fixed period, how is the variable rate determined?The variable rate is determined based upon a spread or margin over an index rate. The index rate is generally the six-month LIBOR or, less often, the prime rate. The interest rate is computed by adding the spread to the index rate. The spread varies but is most often between 2.5% and 3.5%. The rate adjustment most often occurs every 6 months until the loan becomes due. There is generally a cap on how much the rate can move at an adjustment point. However, some lenders have no cap on the first adjustment. This leaves the owner open to a large payment increase if rates have moved significantly.5. What are the prepayment penalties?Almost all fixed rate commercial property loans and apartment loans contain some form of pre-payment penalty, meaning there is an additional cost to you if you pay off the loan early, which may occur if you want to refinance or you are selling the property or if you want to make payments greater than the scheduled monthly payments. Prepayment penalties generally take the form of a set prepayment schedule, a yield maintenance agreement or, defeasance. A set prepayment schedule predetermines the penalty expressed as a percentage of the loan balance at payoff and declines as the loan ages. For example, the prepayment schedule for a 5 year fixed loan might be quoted as “4,3,2,1″ meaning the penalty to pay off the loan is 4% of the balance in year 1, 3% in year 2, etc. A yield maintenance agreement requires a penalty computed using a formula designed to compensate the lender for the lost interest revenue for the remaining term of the loan over a risk-free rate and discounted to a present value. The formula can be complex, but the result is almost always a more punitive penalty than a set prepayment schedule and will generally make early pay-off financially unviable. The third type of penalty, defeasance, is used less often. It works like a yield maintenance agreement in that its intent is to keep the lender whole for the lost interest revenue but it accomplishes that by requiring the borrower to substitute other securities that would replace the lost revenue instead of making cash payment. Often the most attractive interest rates offered are associated with loans with either a yield maintenance agreement or defeasance. There is generally a window starting 180 to 90 days before the loan is due when the penalty expires to allow time to arrange refinancing. These loans generally become due at the end of the fixed period.6. What are all the fees and charges associated with closing the new loan?Refinancing can be costly and knowing all the costs is essential to evaluating if refinancing is the right choice. The biggest costs are for appraisals, title insurance, escrow fees, environmental review, points, and processing and/or loan fees. Appraisal fees will run $2,000 and up. Phase I Environmental Assessment cost $1,000 and up. Processing and/or loan fees charged by the lender begin about $1,500 and rise from there. Points may or may not be charged by the lender. Some lenders, particularly on apartment or multifamily loans, will cap the expenses at $2,500 to $3,000, excluding title and escrow. It is important understand the total costs in comparison to the monthly savings in debt service resulting from refinancing. How many months will it take to recoup the costs of refinancing?7. Is the loan assumable and at what cost?Many, but not all, commercial real estate loans are assumable. There is generally a fee, often 1% of the balance, and the assuming party must be approved by the lender. Assumability is critical for loans with significant pre-payment penalties, like those with yield maintenance or defeasance clauses, if there is some chance you will sell the commercial or apartment property during the life of the loan.8. Are there impounds and if so what are they?Some commercial real estate loans and apartment loans will require impounds for property taxes or for insurance. A monthly amount is determined and then collected in addition to each principal and interest payment sufficient to cover the property tax and insurance bills as they come due. Such impounds will affect your cash flow from the property because monies for property taxes and/or insurance are collected in advance of when they are actually due. Impounds increase the effective interest rate on the loan because they amount to an interest free loan the owner is making to the lender.9. Does the lender allow secondary financing?Finding secondary or second lien financing has become quite difficult and many lenders do not allow it under the terms of the loan. However, market conditions may change, making this type of lending more available. If you have a relatively low loan to value and there is a chance you might want to access the equity in your property to pay for major repairs or remodeling, to acquire additional properties, or for other purposes, a loan that allows secondary financing can be beneficial.Securing a letter of interest from a lender can be time consuming. Many owners approach only their existing lender or a well-known commercial bank lender in their area and assume that the offer they get is the best available. This is not always the case. In many cases, smaller or lesser known lenders offer the most aggressive or flexible terms. There is no way of knowing without getting multiple quotes. A good commercial loan broker can be very beneficial in securing for you multiple letters of interest and helping you compare the terms and conditions of each and select the solution that best meets your goals and plans. </p>]]></content:encoded> <wfw:commentRss>https://geusxcyms.info/42/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How A Business Loan Helps Business People</title> <link>https://geusxcyms.info/40</link> <comments>https://geusxcyms.info/40#comments</comments> <pubDate>Tue, 21 Mar 2023 16:03:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://geusxcyms.info/?p=40</guid> <description><![CDATA[Overview: Becoming a self-employed businessman is a great reputation in the society but the problems faced by the entrepreneurs from the day one of their business is enormous. It is a great challenge for a person to overcome all obstacles to become a successful businessman. The numerous problem faced by all is finance. Even great [...]]]></description> <content:encoded><![CDATA[<p> Overview:<br />Becoming a self-employed businessman is a great reputation in the society but the problems faced by the entrepreneurs from the day one of their business is enormous. It is a great challenge for a person to overcome all obstacles to become a successful businessman. The numerous problem faced by all is finance. Even great entrepreneurs of various industries have struggled a lot of financial crisis for setting up their business and to run their daily business operations. Thus finance plays a major role in the life of business people. Great ideas require the necessary financial support to bloom into a successful business.Introduction:<br />There are various sources for business people to raise capital for their business. The most trusted source is from banks. There are various reasons why people choose banks as the best source for raising capital for their business. Banks provide a lower cost of funds in the form of Business Loans. There are various types of business loans at differential interest rates to facilitate business people to solve their financial crises.Types of Business Loans:<br />Businesses are of different types and need finance at different stages of their business operations. The need also being different, banks help them in providing different types of business loans helping various small and medium enterprises to raise capital.New Project Loan – Banks are interested in funding for new businesses and also for new projects of existing business. There are various criteria for getting new project loan and differs from bank to bank. Project loans are approved against the collateral of the person like residential property, commercial property or empty land.Top-up on Existing Loans – These loans are issued for expansion, replacement, diversification of an existing business. These loans are approved for short term or long term basis to buy goods, machinery or any fixed assets for the company.Working Capital Loans -These loans are provided for the business to solve sudden financial crises and repaid within short durations. Banks are more interested in providing working capital loans against their inventories, stocks or receivable bills of the company.Secured Business Loan – Business loans in which companies raise their capital against any security for the bank. It may include plot, residential or commercial places, gold, shares, bills, insurance as collateral to get funds for their business. The interest rate is preferably less.Unsecured Business Loan – Every businessman cannot afford to pledge a security in getting the business loan, so bankers help them with loans without any security based on bank transactions and income tax returns. These loans are charged with more interest rates when compared to secured business loans.Requirements of the Banks:<br />There are various steps and procedures followed by banks to provide funds. The procedure and documents to be submitted to the banks as followsIdentity and address proof of the company – Address proof and identity proof of partnership or proprietor business.Statutory legal registration of the company – Whether the company is legally registered under government norms and have followed all procedures legally in setting business.Financial statement of the company – Every bank is interested in seeing the recent 1-year business transaction of the company.Income tax returns – ITR helps the bankers to check the business performance, efficiency level, assets and liabilities of the company and also tax that company pays from their current earnings. This also plays a major role in deciding the loan amount for the business people.Financial Security – It includes the fixed and movable assets of the company which helps the banker to consider providing business loans based on the asset value along with the business transactions. This also safeguards banks from the failure of businessmen that fail to repay the loan amount.Previous Loan track – This is a very important factor considered by banks which will help them evaluate the financial condition of the business and also to check on past repayments on loans.Litigation – It will help banks assess the character of businessmen before providing a business loan.Takeaway:<br />Though business loans are found to be a great source for raising capital, businessmen undergo challenge in getting timely funds from the banks. In order to help them in availing timely loans, even NBFC is also now prepared to help them with funds at various stages of their business. Banks & NBFC have also made the lending process easy, with all verification done in shorter time-span, doorstep assistance in collecting documents etc. Businesses with good cash flows & credit score can avail timely funds with much ease. </p>]]></content:encoded> <wfw:commentRss>https://geusxcyms.info/40/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>10 Critical Questions to Ask Before Hiring a Consultant</title> <link>https://geusxcyms.info/38</link> <comments>https://geusxcyms.info/38#comments</comments> <pubDate>Tue, 21 Mar 2023 15:01:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://geusxcyms.info/?p=38</guid> <description><![CDATA[Talk to as many consultants as you can before hiring one. Even if you have one person or firm in mind, interview at least a few others as a sort of due diligence. You’ll probably find that each interview helps you focus on the issues you’re hiring a consult to help resolve.1. Most consultants focus [...]]]></description> <content:encoded><![CDATA[<p> Talk to as many consultants as you can before hiring one. Even if you have one person or firm in mind, interview at least a few others as a sort of due diligence. You’ll probably find that each interview helps you focus on the issues you’re hiring a consult to help resolve.1. Most consultants focus on two areas: cutting costs and raising revenues. What do you see as the relationship between the two functions? Which do you do better?Cost cutting is the consultant’s usual expertise. It’s what most companies need. Most of these hired outside consultants to take an objective look at organizational charts, value-adding processes and competitive environments. “We spend a lot of time talking to a company’s customers, so we understand what they like and don’t like,” one consultant says. “What does the customer value? Is it time? Is it quality? We define that.” What this means is that a company can cut jobs and still not touch on one non-value-added activity or add value to the customer.2. What was your professional experience before you became a consultant?Ultimately, you should want any consultant you use to have a strong bottom-line sensibility. You want this person-or team-to focus on the things that will add the greatest amount of value to your company in the shortest amount of time. This kind of thinking doesn’t come naturally to many people. It usually demands two kinds of experience: as a chief executive officer or as a corporate turnaround specialist. A consultant who has this kind of experience has dealt with strict cost controls, high-pressure scrutiny and the need for quick results. These are the same traits you should look for in anyone giving you expert advice.3. How many professionals work with you or at your firm?Business consultants fall essentially into two categories: Solo-practitioners and team players. The differences between the two usually involve the type of work they take. Most of the time, the soloists deal with less-specific, strategic or vision-related issues; the teams get into more tightly focused number crunching. Less-specific functions tend to take less time (sometimes as little as one day); the more specific take more. One of these functions isn’t better or worse than the other. The trap to beware: The marketing soloist who claims he or she can also review all of your accounting.4. Will you sign a letter of confidentiality? Will you refrain from working for our competitors?Ask all consultants to sign a letter of confidentiality. Some owners and managers assume that short-term strategic consultants pose less of a threat to proprietary interests than the number crunchers. Don’t make that assumption. You and your staff should feel free to discuss any business subject with your consultant and trust his or her discretion. If you feel uncomfortable, you won’t discuss things candidly. Your risk in these cases isn’t usually that the consultant will knowingly steal proprietary in formation or material. Most are professional enough-and work in small enough markets-that reputations matter. More often, the risk involves a consultant unwittingly mentioning something. If he or she has signed a confidentiality letter, he or she will be more likely to think twice.5. Who are some of your other clients? Who are some people and companies with whom you’ve worked before? Can I call them to ask about your work?Don’t be wowed by big-shot former clients. At big companies, consultants are hired in teams to tackle extremely specific projects. Just because the person in the expensive suit claims Microsoft as a former client doesn’t mean he knows Bill Gates on a first-name basis. In fact, it’s better if the consultant has worked with companies closer to your size and shape. They’ll more likely understand your needs.6. With how many clients do you work at one time? Do you have enough time to devote to our company to accomplish our goals? Will you return phone calls or emails the same day?Asking other or former clients about the consultant’s responsiveness and attentiveness can be helpful. As can more pointed questions of the consultant. These questions all focus on the same point: How much attention can the consultant afford to spend on your needs? The number of clients a consultant can serve well varies with the kind of service provided and client involved. But some general rules apply: You want to have same-day response to questions or problems. If you’re undertaking a major restructuring, you probably don’t want your consultant working with more than two or three other clients. A caveat: Some owners and managers who’ve had bad experiences with overly invasive (and expensive) consultants warn that you shouldn’t be the only client a consultant has.7. Will you teach us to do this work for ourselves and become self-sufficient? How long will this take?One common trap in using a consultant is becoming dependent on him or her. From the consultant’s perspective, this may simply be good business assuring future work for himself, herself or themselves. From your perspective, it may be little better than the status you had before you had the consultant come in.By making training part of the consultant’s job, you can limit the chances of a prolonged engagement. Establish a schedule within which the consultant can accomplish his or her goals. Assign a staff person to work closely in this process-and learn everything he or she can.8. Have you written anything-published or not-that deals with issues like the ones this company faces?Consultants love to write about their experiences and their theories. Sometimes this can be pretty rough reading, but it will usually help you understand how the consultant sees markets and business factors that may affect you. Also, management or technical literature can be a good place to look for consultants. While the latest management guru writing for the Harvard Business Review may be beyond your needs and means, you might be able to find useful experts in trade or regional newspapers and journals.9. How do you charge for services? Do your fees include travel time and other miscellaneous charges or are those billed separately?There’s no set standard for paying consultants: Some work on a straight-fee basis, others work for a fee plus performance bonus, a few work on a contingency basis- tied to sales increases or cost reductions. As with paying any outside contractor, your concerns should be assuring a high quality of work and containing costs within a predetermined bud get. With consultants, focusing their use as specifically as possible will help accomplish both of these ends. Also, make it clear from the beginning what incidental expenses you’re willing to pay and how you’ll pay them. Consultants who’ve worked at or for large corporations may be used to expense accounts that you aren’t. Be very clear about how much you’re willing to spend on the whole project or series of projects. Insist that the consultant warn you-in writing-if the project won’t be completed on time and within budget.10. What kind of documentation will you give us when the project is completed? Who will own that documentation?Keeping a paper trail of the work a consultant does for you accomplishes several ends-all of them good. First, if the consultation has worked well, this will usually give you some forms and tools that you can use to improve some part of your performance. Second, it allows you to keep a record of the analyses made of your company and the responses you’ve taken. This kind of “scrap book” can be a big help when dealing with future problems or other consultants. Third, it makes clear what the consultant did-and didn’t do-while working for you. If any disputes should emerge over payment or ownership or confidentiality, you’ll have some support. In general, all work (including spreadsheets, computer programs, mechanical devices or literature) a consultant does for you is your property.Sometimes-especially in the cases of devices and literature-this becomes an issue. Make it clear from the beginning that you want to own everything that comes from the consultation. </p>]]></content:encoded> <wfw:commentRss>https://geusxcyms.info/38/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Investing in Property – What Is the Best Way to Buy Rental Property?</title> <link>https://geusxcyms.info/35</link> <comments>https://geusxcyms.info/35#comments</comments> <pubDate>Tue, 21 Mar 2023 12:59:42 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://geusxcyms.info/?p=35</guid> <description><![CDATA[Investing in PropertyWhat is the best way to buy rental property?The question you need to ask yourself is – Am I buying this property as an investment?Now this sounds like a pretty stupid question, right? But in reality, many people (myself included) have made a purchase decision on the basis that they love the “property” [...]]]></description> <content:encoded><![CDATA[<p> Investing in PropertyWhat is the best way to buy rental property?The question you need to ask yourself is – Am I buying this property as an investment?Now this sounds like a pretty stupid question, right? But in reality, many people (myself included) have made a purchase decision on the basis that they love the “property” not the “investment.”What do I mean? Well you have to stop and ask yourself do I really love investing in property or do I just love to own property. Many have purchased an “investment property” on the basis that they “liked” it, rather than because they had calculated it would provide a great return.When investing in property you should always run your numbers through a property investment calculator before deciding whether to even look at a property, let alone buy it!My first CBD apartment – aka “Investing in Property for Fools!”I’d always wanted to own a piece of the CBD. Growing up as a kid I loved visiting the “city” to look at the skyscrapers and imagined coming here for work like my Dad did each morning. Sure, I was investing in property. I was investing my emotional security in a property location! So you can see quite clearly that it was an emotional, rather than a hard headed decision to buy a newly complete one bedroom unit back in the early 2000s. It was just something I’d always wanted to “have.”I remember driving around the inner city with a well known property spruiker looking at projects he was involved with. Of course his level of involvement was as a master salesman. A unit became available for approximately $230k. As a young couple my wife and I discussed the pros and cons and I decided against the advice of my wife that this might not be such a great idea.At the same time another unit had become available in the inner city block of apartments that I was currently living in. It was available at a similar price. My wife counselled me to consider this as an option. My “adviser” had discouraged me on the basis that I would be putting all me eggs in one basket. There was some truth to this advice so I followed my “dream” of an apartment in the “city”.When I went to the office to sign the papers I remember being advised that the original unit was no longer available, but a different one on a higher floor was, at a higher price! I said OK, No problem, like we Aussies tend to do. Then I was presented with the option to purchase a “furniture package” for an extra $20k. This would “guarantee” a rental return of 8% to me for the first 2 years of my investment. I hadn’t previously considered this, but of course I said “Yes”and was told what a wise choice I had made. (Of course this made me feel good about myself!)The truth was I bought the unit not on the basis of its potential financial return but its immediate emotional return. I never did end up living in it or even spending a single night there, although I’d often wander past and gaze up at my balcony and wonder how “cool” it would be to live here.In fact the property was a complete drain on my bank balance due to the high costs associated with the common areas including pool and gym equipment. The rent never paid for the outgoings and I lived in hope that the price would go up so I could make a “paper” profit at least!Now some time later I did end up selling the unit for around $300k, so it was far from a complete disaster. In the end I was very glad to sell and call it even. In reality the cost to me was an opportunity cost. What else could I have been doing with my money? I looked recently for sales data on the city block in question and found a similar unit sold for $355k, approx. 10 years after my initial purchase. Currently in the inner city block I was living at, prices are over $650k. Remember that 10 years ago these properties were selling for approximately the same price. If I had listened more to my wife and less to my own emotion I might have ended up $300k better off!What did I learn? I learned that whilst it’s great to listen to “advice”, be aware that sometimes advice might be just a little biased! I’ve learned to trust my own instincts more and weigh advice against what I already know to be true and reasonable. The reason I liked the apartment in my own block was that it was located well. It was quiet, had views, was close to city, walk to tram, bus and train and there was no high-rise in the vicinity. The area couldn’t be quickly re-developed and units added. In short, the amenity was desirable and there was not going to be any new properties added in the foreseeable future. This meant there was a cap on supply.In the city here is not a cap on supply. There are numerous developments under construction at any given time. I’d be more than happy to live in many of them. But I wouldn’t buy then as an investment! Unless they were in a landmark building of some sort there is no scarcity value in them. They can be replaced easily.If one of your neighbours wants to sell and needs to move quickly, guess what. They set the price for your unit. You have virtually no control over the market. No matter what you do to your own living space the whole value of the block will be determined by factors outside your control.Investing in Property for cashflow or for growth?Let’s be honest. Most of us are investing in property because we think that prices are very likely to go up! On the other hand we all know about “negative gearing”. In essence it means we can write of our “losses” on our investment against other area of income. I don’t disagree with the concept, we ought to be able to weigh our profits against our losses and pay tax on the net result. BUT, if all we own are “investments” that are make a “loss” and we’re offsetting that against a “gain” from our job, that’s not really smart investing is it? Sometimes a property might be increasing in value at a greater rate than we could expect to make as a cash income from our investment. This is not always the case as you can see from my experience in the Melbourne CBD. But at what point does this cease to be a valid reason for deciding to invest of even “keep” and existing investment? Steve McKnight from PropertyInvesting.com once said something very illuminating at an event I attended. Basically he said we ought to do an audit of our property portfolio every year and re-assess whether we ought to hold or sell each property!Seriously. I never thought I was going to sell anything – Ever!Early on in my property journey I’d decided I was going to “Accumulate” property. Buy and never sell! That was my motto. Once I’d paid down the loan I would be sitting on a nest egg and having rent more than cover my outgoings.But consider this! Real world example -My unit in inner Melbourne right now would be worth about $650k and yet it might command a weekly rental of around $480. That’s about $25k rental annually.The yield is therefore 25k/650k annually or 3.8% of the value.Setting aside things like mortgage repayments, there are still fixed costs on any property – In my case they include for the last financial year:Council Rates $820<br />Water $945<br />Insurance $302<br />Owners Corporation $1660<br />Agent fees $1815<br />Repairs $890<br />Total fixed expenses for the year $6430This reduced the total income to ($25000-$6430)=$18570Now my actual annual return is 18.5k/650k = 2.9%Of course costs like Agent fees and Owners Corporation are not always applicable but they serve to show that in the real world the actual return can be a lot less than a simple headline figure.If I include my interest costs (which still exist) I must deduct another ($150000*6%)=$9000 from my income.This reduced the total Real income to ($18570-9000)=$9570Now my actual annual return on the asset value is 9.5k/650k =1.5% Should I Sell this property?There is no right or wrong answer. Sometimes I say yes and my wife says NO! Sometimes I say No and my wife says NO! Do you see a pattern here?There is no right answer because everyone has different needs, has different skills and is coming from a different base and most importantly – We all want different things! It depends on your circumstances, your family situation, the personalities of you or your partner and your goals in life.If our main goal in life was to increase our cash on cash return or all our assets then it would be a no brainer to sell up and invest elsewhere (assuming I could expect a greater return than 1.5%!) Having said all that I still love property, and I love investing in property.It’s quite possible to love the idea of property without loving investing in property. In fact most property that you’ll “love” will probably be pretty darn useless as an investment. Don’t be confused.Would I choose to invest $650k of my actual cash in this investment right now of it were available for sale? Probably not! – So why am I still keeping it? I love it and plan to live in it.This is a question only YOU need to ask yourself and answer on a case by case basis. I’ve looked long and hard at my own situation and decided to keep for now based on family reasons, NOT investing reasons.Review every property every yearFor every investment I currently hold I review the property and make a decision based on the real numbers, not a fantasy of what I’d like to see happen.That’s why I decided to sell my apartment in the Melbourne CBD.<br />It was “Costing” my money to hold, and NOT growing in value anything like I’d hoped it would. So I cut it off.<br />It was why I needed to sell my first home out in the “burbs”.<br />It was why I made a similar hard decision to sell a property in inner city KEW that was returning a reasonable cash return, and well located but had ZERO capital growth over ten years.<br />It was one of the reasons I sold a great apartment in Sydney’s North. I had improved it and added value. It was time to take my money off the table.Your relationship with a property needn’t be a marriage for life. There’s no compulsion to “stay together” till death do you part!.What about Cashflow positive real estate?I love cashflow positive property and investment strategies. So Yes, I look to see where the cash if flowing and see how I can get if flowing towards me.Think! Are you buying for lifestyle or for investment? What return are you hoping to achieve? Only when you can answer these questions honestly are you ready to take action!Until Next time, </p>]]></content:encoded> <wfw:commentRss>https://geusxcyms.info/35/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What to Look Out for When Booking a Children’s Entertainer at a Birthday Party</title> <link>https://geusxcyms.info/33</link> <comments>https://geusxcyms.info/33#comments</comments> <pubDate>Sun, 26 Feb 2023 15:42:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://geusxcyms.info/?p=33</guid> <description><![CDATA[A Children’s Entertainer can be one of the best ways to organise a party for your child.It can be cost effective compared to other party options. The Warehouse type party packages may seem like a good idea, but when everything is looked at, they can offer poor quality at a high price.A birthday party is [...]]]></description> <content:encoded><![CDATA[<p> A Children’s Entertainer can be one of the best ways to organise a party for your child.It can be cost effective compared to other party options. The Warehouse type party packages may seem like a good idea, but when everything is looked at, they can offer poor quality at a high price.A birthday party is your child’s special day. You want the attention being on them rather than on time frames. Warehouse type of packages, have immovable time constraints. They are usually not run in a way that makes your child feel special. Booking a Children’s entertainer guarantees your child will be treated as the most important person at the party. Every good children’s entertainer will make the birthday child the centre of the party. They will tailor-make a package to suit your requirements as opposed to you having to suit the Warehouse times and conditions. You can chose what happens, like having games, dancing, discos, magic shows, game shows, balloon modelling and music quizzes. In essence you are in charge of the format of the party.A good Children’s Entertainer will usually have many years of experience, so that they can cope with any situation that may arise.Every party is different, so you want to use an entertainer who has many different shows, so that your party is unique and makes your child the real star for the day.The cheapest entertainer may not be the best. There are entertainers who book a party at a cheap price without taking a deposit. If a better show comes in, a small minority of cheap entertainers cancel the first party and then does the more expensive party. A good entertainer will charge a fair price and ask for a deposit. A deposit creates a binding contract between you and the entertainer, so that they are very unlikely to cancel your party.A good children’s entertainer will have £10 million of public liability, which Equity Union members get automatically and have PAT tested electrical equipment. Many halls and venues now require PAT tested equipment certificates, so asking if the entertainer has these is essential. If they don’t, the venue may not allow your entertainer to perform.Finally a good children’s entertainer will also have a list of venues in your area that you can hire, saving you time and cost.A good children’s entertainer will usually have<br />• Many years experience<br />• Be able to cater for all ages<br />• Have a variety of shows, so that they can tailor make the package for your party<br />• Be able to cope with all age ranges<br />• Offer extras that make your life easy, such as providing Party Bags<br />• Be cost effective compared to other party options<br />• Use good quality sound and lighting systems for Discos<br />• Make your child THE STAR FOR THE DAY. </p>]]></content:encoded> <wfw:commentRss>https://geusxcyms.info/33/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>8 Important Components Of Currency Trading</title> <link>https://geusxcyms.info/30</link> <comments>https://geusxcyms.info/30#comments</comments> <pubDate>Sun, 05 Feb 2023 23:54:00 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[company]]></category> <category><![CDATA[Exchange]]></category> <category><![CDATA[forex]]></category> <category><![CDATA[Investor]]></category> <category><![CDATA[Market]]></category> <category><![CDATA[Traders]]></category> <guid isPermaLink="false">http://geusxcyms.info/?p=30</guid> <description><![CDATA[The currency trading business has always been, and will always be, a risky one! It does not matter whether the transactions are being conducted from the comfort of one’s home, or from a legitimate office–a study of market trends and organizations as well as the factors impacting prices, is advisable at the outset. After all, [...]]]></description> <content:encoded><![CDATA[<p> The currency trading business has always been, and will always be, a risky one! It does not matter whether the transactions are being conducted from the comfort of one’s home, or from a legitimate office–a study of market trends and organizations as well as the factors impacting prices, is advisable at the outset. After all, no one enters the trading arena with a desire to end up on the losing side!Take a look at all the various components of currency trading–(1) Names like Forex, Foreign Exchange, FX and Currency Exchange are quite familiar, but very few are aware of what they actually represent. To put it simply, they all deal with currency trading, that is, one currency being exchanged for another.(2) Where the lending rate of a particular currency is concerned, it is decided by the central bank of that country. This is an overnight value. Should the interest rates go down, the currency’s value also lowers.To counteract this, a process called “carry-trade” is put into action. Here, currencies going at lower interest rates are sold and currencies with higher interest rates are bought in their place. If the rate of interest is higher, naturally the value of a particular currency also goes up!(3) The prices of various currencies are affected by different factors, a few of which can be inflation, industrial production and unemployment. These are known as macroeconomic factors. A poor economy leads to a high rate of unemployment. Along with depreciating the value of the currency, it also causes geopolitical events.The trading community looks towards the economic data analysis to decide which market positions will bring in profits. So any information related to macroeconomic factors can be found from the analysis.(4) The major people involved in currency trading include–financial markets, governments, financial institutions, multinational corporations, central banks and large banks.A smaller percentage includes retail traders or small speculators. But they are not directly involved in this trade; they interact via banks or brokers. Unfortunately, they become the main targets whenever a Forex scam erupts!Last, but not the least, are the individual investors. If they are not careful, they can be taken for a ride by people putting forward different trading schemes. They are easily taken in by the fact that foreign exchange markets promise great profits if handled properly.(5) What does one do in currency trade?The mechanics involved in FX are almost the same as those in other trade markets. It is actually quite a simple process, once the investor and trader get the hang of it.Quote currencies are displayed in pairs, such as–EUR/USD, USD/JPY, and so on. The first listed currency (base currency) is the foundation for selling or buying. The second listed currency is the counter currency (quote).To illustrate with an example, say the listed pair is EUR/USD. Euros are being bought while dollars are being sold–both at the same time. So if the value of the Euro goes up, the value of the US dollar is also bound to go up. What is to be kept in mind here is that foreign exchange takes place on the basis of lots, that is, 100,000 base currency units.(6) There is another terminology that makes the rounds in this arena–trade volumes. The frequency with which any product is sold or bought, determines its liquidity in the market. This is what is meant by trade volumes.(7) There are many reasons for currency trading to achieve this sort of popularity–(a) This is the most liquid market in the world today, since it enables quick selling and quick buying of any particular item. Thus, major price rises or price falls cannot affect the commodity. Also, its own price will not fluctuate so much. FX is a reference to market liquidity. The biggest advantage is being able to conduct transactions via the Internet from home.(b) If the trader is sharp enough, he/she can dispose off the currency pair that has the possibility of undergoing a reduction in value, before anything else. This ensures definite profits.(c) FX has other features like–lengthened trading hours, going up to 24 hours a day on weekdays (weekends are not included); geographical dispersion; plenty of traders and varied types; and different factors that have an impact on exchange rates.(8) As far as the trade business is concerned, a currency exchange or foreign exchange market is viewed as the largest global market; it trades cash values.Currency trading is dependent on a set price that is named as exchange rate. It is beset with risks, but if the game is played correctly, can yield huge profits too! Ultimately, it all depends on the investor! </p>]]></content:encoded> <wfw:commentRss>https://geusxcyms.info/30/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>There is an excessive amount of traffic coming from your Region.</title> <link>https://geusxcyms.info/28</link> <comments>https://geusxcyms.info/28#comments</comments> <pubDate>Sun, 05 Feb 2023 06:08:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[accounting]]></category> <category><![CDATA[business]]></category> <category><![CDATA[companies]]></category> <category><![CDATA[google]]></category> <category><![CDATA[near me]]></category> <category><![CDATA[offices]]></category> <category><![CDATA[restaurant]]></category> <category><![CDATA[sale]]></category> <category><![CDATA[services]]></category> <guid isPermaLink="false">http://geusxcyms.info/?p=28</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://geusxcyms.info/28/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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