Exim

Exim
Internship Report Subject: Interrelation Between Products, Interest RATES & Terms Of Finance Internship Organization: United Leasing Company
Limited 22 , Kazi Nazrul Islam Avenue, Dhaka Prepared for: Internship Supervisor Mr. Imran Rahman Associate Professor IBA, Univ. of Dhaka
Prepared by Maruf Haider ZR 33, BBA 10th Institute of Business Administration University of Dhaka. June 25, 2006 June 25, 2006 Mr. G. M.
Chowdhury Chairman Internship & Placement Program Institute of Business Administration University of Dhaka Dear Sir: I am glad to submit my
Internship Report for the Internship Program (BBA 10th, 2006), herewith. I considered your remarks and instructions very carefully while... Show more
content on Helpwriting.net ...
|1.00% | | |Octavious Steel & Company of Bangladesh Ltd. |0.71% | | | | | |Institutional |_ |44% | | | | | |General Public |_ |23% | Table 01: Type, Name and
... Get more on HelpWriting.net ...

Travel Polciy
Company Car Policy
1. Objective
The new Company Car Policy has been formulated in order to introduce an employee friendly and easy to administer car scheme in the company with
effect from –––––––––––. With the introduction of this scheme all previous car schemes stand withdrawn.
2. Scope
Employees in Grade M1 and above are entitled to participate in this scheme. These employees have been assigned Management Allowance / Car Kitty
as part of their remuneration package. Their Management Allowance / Annual Car Kitty amount is given in the table included herein below.
|(A) |(B) |(C) |(D) |(E) |
| | ... Show more content on Helpwriting.net ...
6. Administration Department intimates the Lease Finance Company vide Authorization Letter as per Annexure IV enclosing a copy of Proforma
Invoice.
7. The Lease Finance Company then sends the following to the Administration Department.:
1. Cheque in the name of the Dealer
2. Covering Letter to the Dealer
3. Letter for Endorsement to the RTO
4. Form 20 for signature of Authorized Signatory

8. Commencement date for the lease period under the scheme shall be the date on which cheque is drawn in favor of the dealer by the Lease Finance
Company.
9. Administration Department gets the required signature on Form 20. Administration Department hands over the following to the employee to take
the delivery of the car:
1. Cheque in the name of the Dealer
2. Covering Letter to the Dealer
3. Letter for Endorsement to the RTO
4. Form 20 with approval from Authorized Signatory (CFO)
5. Copy of ABC's PAN Card
6. Company's Address Proof
7. Letter of Authority to take the delivery of the car (Refer Annexure V).
Administration Department retains a copy of all the above documents.
10. Based on these documents employee can take delivery of the car.
11. On receiving the delivery of the car, the employee needs to forward the following documents to the Administration

Buying New Vehicles
When it comes time to buy a vehicle, you may start to feel overwhelmed with the vast number of options. One important thing you will need to
decide early in the buying process is whether you want to buy used, buy new, or lease a new car. For people with less than perfect credit, buying a
new vehicle is often prohibitively expensive, so they are left to decide between buying used or leasing. There are many benefits to buying a used car
which often make it the smarter choice.
You'll own your usedvehicle
When you purchase a used car, you'll own that vehicle outright once you pay off the loan. Once it is paid off, you'll have a vehicle and will be saving
yourself the cost of a monthly payment. Plus, if you take care of your vehicle, your used ... Show more content on Helpwriting.net ...
The truth is, there are lots of great used cars out there that are dependable, safe, and worth the investment. You can absolutely find a used car that has
been well maintained, has a low number of miles, and doesn't have an accident history. Even used cars that are a little older are often still in great
shape and still have a lot of life expectancy. By checking Carfax, looking for certified pre–owned vehicles, or asking for maintenance records, you can
help make sure you reap the maximum benefits of buying a used car. Furthermore, leasing a new car doesn't guarantee that you'll get a car that won't
have any problems.
Buying a car is a big decision. There are many benefits to buying a used car, including building your credit, ending up with a vehicle you own,
gaining collateral, and having more freedom to use your car as you wish. Leasing may make sense in some situations, but it generally tends to be a
poor investment. ABC Motorcredit has 5 dealership locations to help you find the used car that perfectly meets your needs. Stop by one of our
locations today to start the process of finding your ideal

Operating Lease, Building, Machinery, And Construction Lease
Businesses own fixed assets (such as plant, building, machinery etc). But, for a business, it is the use of fixed assets that is important, not the
ownership. A business can raise capital through debt or equity and purchase the fixed assets. Alternative way of using the fixed asset is by leasing them.
Leasing allows a firm to use an asset even though firm does not have capital to buy the asset.
In a lease transaction, there are two parties:
1.Lessee: The user of the leased assets
2.Lessor: The owner of the assets.
Leases can be broadly classified into two categories: Operating lease and Financial lease
Operating Lease
In operating lease, the fundamental rights and responsibilities of ownership are retained by the lessor. The lessor transfers only the right to use the
property to the lessee. At the end of the lease period, the lessee returns the property to the lessor. The lessee does not assume any risk of ownership.
Thus, operating lease does not affect the balance sheet. The lease expenses are treated as operating expenses in income statement.
In operating lease, usually lessor maintains the property. The cost of maintenance is built into the lease payment. Generally the lease contract is
written for a period much shorter than the expected useful life of the asset. The lease contract generally contains cancellation clause that gives the
lessee right to cancel the lease before lease expiry. The lease payment on operating lease can be structured in two

Airplane Leasing Essay
Investments in Airplane Leasing
What is it? – Airplane leasing is a type of leasing or investment by which a lessor allows a lessee to lease an airplane and/or a combination of flight
crew, ground crew, fuel, maintenance, and other flight–related necessities. With this type of investment, the average return on investment (ROI) is
12–15%. Costs for the investment in general will range greatly, but having assets and liabilities worth >$10 million is not uncommon, and largerleasing
investors will have upwards of $100 million.
Types – Airplane leases usually occur in the "wet", "dry", and "damp" varietie.
~ Wet leases are leases in which the lessor provides almost, if not, everything to the lessee. This will usually include the aforementioned flightcrew,
insurance, ground crew, etc. Wet leases are generally utilized as short–term solutions for major and minor airlines looking to meet high demands or
flyer volumes.
~ Dry leases are leases in which the lessee self–provides most of the flying necessities such as fuel, crew, etc. In this way, leases generally are longer
termed and the lessee has more control over general operations.
~ Damp leases are leases in which the lessor provides everything (similarly to a wet lease) except the cabin crew.
How to invest – Obviously, airplanes and their related services are expensive and daunting. To invest in airplanes as a lessor, one must accumulate
capital. Some airplanes will be cheaper than others and serve various purposes. For

Persuasive Essay On Owning A Car
WELL–BEING Leasing a car is one way to finance a new automobile. When you lease a car, your payments are determined by the portion of the life
of the car that you actually use: the depreciation of the car over the period of time that you are leasing. Therefore, with a lease, you can drive a more
expensive car with lower payments, sometimes. However, a key point to remember is that you do not own the car when you lease. Leasing is like
renting. You rent the car for a certain period of time, but you are also responsible for a down payment and some taxes and fees– very similar to a
security deposit on an apartment. At the end of the lease contract (or rental agreement), you give the vehicle back and you may be charged for any
excessive wear on the vehicle. Your initial money down will not be applied to these charges. These will be additional charges due at the time you
return the car. Furthermore, you are limited to driving the number of miles specified in your contract. If you exceed the total mileage allowed in the
lease, you will pay additional fees per mile that you went beyond the limit. This can become expensive! Some lease contracts may also include a
turn–in fee. A closedend lease will allow you the option of purchasing the car at the end of the lease. If you choose to purchase the car, you will have
a credit applied to the payments you have made previously, but you will still have to negotiate the purchase price. If you do not have a closed–end
lease, you will need to sign a new lease or decide if you'd like to buy a car. THE BUY VERSUS LEASE DEBATE YOU OWN THE VEHICLE
AFTER ANY LOAN IS PAID INSURANCE IS LESS EXPENSIVE KEEP VEHICLE AS LONG AS YOU WANT PAYMENTS COVER TOTAL
VEHICLE VALUE PAYMENTS COVER DEPRECIATION OF VEHICLE KEEP VEHICLE FOR TERM OF LEASE (USUALLY 2
–3 YEARS)
LIKE PURCHASING A HOUSE LIKE RENTING AN APARTMENT LOW MONTHLY PAYMENTS TRADE IN VEHICLE AFTER LEASE TERM
WELL–BEING WHEN SHOPPING FOR A CAR 1. Determine if you want to lease or buy and then establish a budget. What can you reasonably
spend on a car? Most experts recommend spending no more than 20 percent of your gross monthly income on a car. Remember that a car loan
typically spans three to six years. 2. Do your research. Know what

Case Study: Florida Residential Lease Agreement
Florida Residential Lease Agreement
Florida Statutes Chapter 83 permits a landlord to lease a residential property to a tenant by using Florida Residential Lease Agreement. This contract
form is appropriate for leasing all types of residential properties except a duplex home. Please do not use this form for leasing a commercial, industrial,
or retail premises. Typically, this form allows alease term of one year. The contract has 25 articles comprising of the terms and conditions of tenancy
equally binding on all signing parties. Therefore, review all pages of the form carefully and seek legal counsel in case you do not understand any
provision. Please download and prepare this agreement in its entirety. Notarization of signatures of the parties on the form is not necessary for
execution and legal standing of the lease agreement. ... Show more content on Helpwriting.net ...
Lease term as well as dates of commencement and termination of the

Sources Of Finance For Synergy International Limited
This report will research available sources of finance for Synergy International Limited to enable the company to invest in new machinery, at a cost of
approximately ВЈ225,000, in order to manufacture mobile phone covers for the Samsung S7 Edge. Also included in this report, are the information
needs of the different decision makers.
There are long term external sources of finance that Synergy International Limited could access; they could issue preference or ordinary shares
although there would be issue costs. Finance, in the way of term loans or a mortgage could also be sourced from banks and other financial institutions;
often these are secured with assets which is usually land and property if a mortgage is being sourced.
To avoid ... Show more content on Helpwriting.net ...
There are short term external sources of finance available in the form of a bank overdraft which is flexible and can be increased/decreased
instantaneously (subject to bank approval). These can be inexpensive to arrange with competitive interest rates but these rates are higher than a term
loan and this is not a secure form of finance as a bank overdraft could become repayable on demand.
Another source of short term external funding to be considered is asset based finance which is utilised by debt factoring which will reduce tied up funds
in the customer accounts and is outsourced to a subcontractor. According to Dyson,
'there are two types of factoring: recourse factoring, where an entity obtains a loan based on the amount of its debtor balances and non–recourse
factoring, where the debtor balances are sold to a factor and the factor then takes responsibility for dealing with them. Factoring is a convenient way of
obtaining ready cash but either the interest rate on the loan or the discount on the invoices may be high', (2010:437).
Short term Internal sources of finance can be achieved by using tighter credit control, therefore exercising good cashflow management by reducing
terms and payment period to customers although potential lost sales and the reputation of the company should be considered together with credit
policies adopted by rival businesses.
Synergy International Limited could also improve cashflow by

Explain The Following Terms When Applied Force Vehicle...
Contents page
Question 13,4
Question 24
Question 34
Question 44
Question 55
Question 65
Question 76
Question 86
Question 96
Question 107
Bibliography8
1. Explain the following terms when applied to vehicle fleet contracting?
a) Rental.
Rental refers to procurement of a vehicle to cover a period of no more than 28 days. If renting vehicles for short periods of time, specific legal
implications apply to the company or driver renting the vehicle:
Where gross vehicle weight exceeds 3.5 tonnes, the operator ... Show more content on Helpwriting.net ...
Which includes the maintenance and safe road going condition of the vehicle.
Vehicle with driver.
If the vehicle is supplied with the driver, the hire company is the employer of the driver, so are the 'User' of the vehicle. In law they are therefore
legal responsible for the vehicle, with regards maintenance and safe road going condition.
c) Leasing.
Leasing refers to a vehicle procured for a fixed length of time. The operator never owns the vehicle outright, but has full use of the vehicle, as if he
was the owner. The vehicle is purchase by a finance house to the requirement of the operator. They may have no involvement in the transport industry,
so don't need to have an 'O' licenses to operate the vehicles that are purchased. A mutually agreed contract is written up with the terms and conditions of
the leasing.

There are different types of finance arrangements used for the leasing of fleet vehicles.
Full Amortization leasing.
These run for a fixed period, primarily agreed. When this time is finished a secondary period can be agreed apon, if the operator still is in need of the
vehicles.
Balloon deal leasing.
This is the most common leasing arrangement, they give the operator the option to pay a large payment at the end of the agreement to settle the
outstanding balance where the operator then is the owner of the vehicles, or a large payment maybe made at the beginning to start the lease agreement.

Finc312 Case 3
Agro–Chem, Inc
Leasing – Case 49
Problem Statement:
Agro–Chem, Inc. is a regional producer of agricultural chemicals based in Houston Texas that needs help making a lease versus purchase decision. By
understanding the material presented, we will be able to come to a decision. However, after reviewing the information presented, there are a few
problems that need to be investigated before finalizing our recommendation. Agro–Chem, Inc. chose to go with the financial manager's idea of using a
discount rate of 14% (average risk) to figure out the present value costs of leasing and purchasing even though the assistant treasure suggested a 12%
(low risk) discount rate. Agro–Chem, Inc. brought in the company's CPA to help settle the debate... Show more content on Helpwriting.net ...
Analysis:
Question 1:
Since Agro–Chem has sufficient internally generated capital they can buy the equipment outright which will impact the analysis. Normally by
financing the equipment you have to pay interest payments which are used as a tax shield. However, by purchasing the equipment outright Agro–Chem
will miss out on the tax shield and introduces opportunity costs because the money could have been invested.
Question 2:
By using the 7.2% after tax rate and assuming the equipment will be sold at the beginning of the 5th year for its book value, if Agro–Chem bought the
equipment the company would achieve a project NPV of ($1,043,500.23). In contrast, if Agro–Chem decided to lease the equipment with the same
assumptions they would obtain a project NPV of ($1,030,205). Given these assumptions and based off our calculated NPV we recommend that
Agro–Chem lease the equipment rather than buy because of the $13,295.23 savings. This $13,295.23 savings is the NAL.
PART A: Lessee 's Analysis:| | | | | | | | | | | | | | Cost of Owning:| | | | | | | | | | | | | | | | Year 0| Year 1| Year 2| Year 3| Year 4| | |
––––––––| ––––––––|
––––––––| ––––––––| ––––––––| Equip cost| ($1,500.00)| | | | | Maintenance| (75.00)| ($75.00)| ($75.00)| ($75.00)| | Maint tax sav| 30.00 | 30.00 | 30.00 |
30.00 | | Dep shield| | 120.00 | 192.00 | 114.00 | 72.00 | Residual value

The Top Competitors Of Drucker And Falk
Zakch, M. H. (1999) says that always building on the latest knowledge, rather than "reinventing the wheel" gives competitors a chance to catch up.
This is especially true when a firm is trying to get an advantage over the competition. Knowledge is certainly power, and the more knowledge that a
firm has, the more they are able to bring to the table. Not only do the customers put more trust into them for the knowledge that they possess, but the
confidence of the firm truly blossoms as well. Drucker and Falk is especially receptive to this belief. They use knowledge as a lead and an advantage
over the heavily populated competition of property management companies in the surrounding areas. The top competitors of Drucker and Falk include
... Show more content on Helpwriting.net ...
This class places the marketing director or the property management coordinator right there face–to–face with the employee and they are able to pour
all the knowledge that they possess onto the new employee in a bulk–form one or two day session.
After the leasing class is over and complete, the new employee has further training to get acclimated to his or her new position. This includes a lot of
online training in areas such as fair housing, sexual harassment, more leasing, etc. This is where Drucker and Falk excels over the competition. The
training software that the company utilizes is top of the line software and includes nothing but the newest content available to the property
management industry. They are very adamant about training deadlines as well. Each employee of Drucker and Falk has some type of training to have
completed on a yearly and semi–annual basis. This ongoing training keeps all of the employees up–to–date with the most current information available
in order to keep our skills and knowledge sharpened.
One top of introductory training and ongoing training, Drucker and Falk invests in sending its employees to get their official certifications. This brings
even more knowledge to the company. Most of the property managers employed with Drucker and Falk

Business Plan For The Real Estate Industry
My business plan is to one own and operate as a broker in the real estate industry along with purchasing tax certificates. This is a goals I have set to
be full filled within the next two years. I do understand that in my state I need to become an agent first and follow the guidelines that the state has
regulated for the industry. I am including a plan that one day I will place into effect in order to successfully run in the real estate industry. This is my
broker's plan and goals.
The startup costs.
To have a successful business in with the economy flipping around one needs to make sure they are prepared for as many scenarios as one can be.
The first thing I would do when building my business plan is to decide how I want my ... Show more content on Helpwriting.net ...
The first items include your making your business separate from your personal attachments. This would be filing the business in some form of a
corporation. Another important fact would be make sure you get the proper license(s) to operate as a business, locating a place to rent, filing all legal
documents with that state regulators, and get insurance for the business, equipment and the building your are renting. More startup costs are the price it
will take to advertise the business. Getting your name out to the industry and locally will cost, but in the long run it should pay off. This should
involve ads in local paper, websites ads, creating an eye catching website, flyers for snail mail, business cards, etc. Grand opening campaigns
sometimes works in rural areas. The legal avenues will be expenses, but this is a must have. Finding an attorney that will be able to handle your
business affairs and be able to create contracts that will outline what your business expects from your associates, independent contractor and the
buying and selling contracts for your clients. You will need to find a tax accountant that is educated with all the current tax laws. You will have to
buy equipment for the office and furniture as well as turning on your lights, water, and phones. You will need to include garbage pickup for your
trash probably on a weekly basis and hire a janitorial service company to make sure your place is clean from the moment you open your

Riverbend Case Study Essay
With the big boom of the telecommunications industry within recent years, many telecom companies are looking for ways to expand their base and
grab that incremental part of market share. The advancement of technology causes a greater consumer demand to fulfill the voids of older, less
effective communication methods. Technology and growth are the means by which the telecom industry has been able to boom. Riverbend Telephone
Company is one of those telecom organizations that is looking to broaden their market share in the telecom industry. Riverbend Telephone Company is
an independently owned telecom organization. It's current market base is local but the challenge is to broaden its geographic coverage area. Customers
in this local,... Show more content on Helpwriting.net ...
| | |Types of expense |1 |2 | |Types of expense |1 |2 |3 |4 | | | | | |Types of expense |1 |2 |3 | | | | | Types of expense |1 |2 |3 |4 |5 |Total | | | | | | | | | |Gas
|$3,600.00 |$3,600.00 |$3,600.00 |$3,600.00 |$3,600.00 |$18,000.00 | |Repairs and Maintenance |$800.00 |$928.00 |$1,048.00 |$1,160.00 |$1,264.00
|$5,200.00 | |Tires | |$760.00 |$760.00 |$760.00 |$760.00 |$3,040.00 | |Insurance |$2,400.00 |$2,400.00 |$2,400.00 |$2,400.00 |$2,400.00 |$12,000.00 |
|Registration and taxes |$848.00 |$720.00 |$600.00 |$488.00 |$384.00 |$3,040.00 | |Depreciation |$9,720.00 |$5,832.00 |$3,500.00 |$2,100.00 |$1,348.00
|$22,500.00 | |Purchase

Leasing A SUV Essay
Leasing an SUV
Leasing a suv vehicle is an option for vehicle buyers. Some buyers will take a buying option whereas others seem a better fit to select the leasing
option. Know the difference when making a major purchase. When buying an suv or any other vehicle, the buyer takes ownership of the vehicle and
pays the down payment, then pays reoccurring notes every month until the balance is paid in full. If the lease option is chosen then the buyer pays a
lesser down payment in most cases, but the agreement will have stipulations with the vehicle and the buyer will not own the vehicle.
The suv leasing terms for standard and luxury vehicles has general rules set in motion that go along with the leasing agreement. The potential leasing
individual will need to abide by the rules. If the potential leasing individual does not follow the rules of the agreement then the automotive ... Show
more content on Helpwriting.net ...
Once the two to three years are up the buyer is able to trade for another vehicle that suits their needs. The leasing option has the benefit of being
able to change vehicles every two to three years, the lease option keeps payment low, and you have the luxury of driving a dream car rather than out
right buying it. Of course, at the end of the lease most buyers are given the option to purchase the vehicle. In that case when the two to three year
agreement has expired the purchaser is given the chance to purchase the vehicle that they have been driving. Some individuals fall in love with their
suv, luxury car or truck and purchasing it would seem ideal for them. Others simply would like a change. Maybe a luxury suv, car or truck would
seem intriguing to the purchaser. Economy may as have changed within the years of being leased and the purchaser would like something better on
fuel to save money. In any case the purchaser is able to choose the vehicle that is within the price range that the dealership or finance company

Reasons To Avoid GT-R Vehicles
The GT–R is the perfect sports car for your work day and weekend driving needs. Head over to Magic Nissan of Everett where you can enjoy the best
local selection of GT–R vehicles. Leasing a vehicle offers plenty of benefits over buying, so head over to Magic Nissan of Everett and learn about
your financing options. Why you should lease when it comes time to find your next vehicle
When it comes time to purchase your next vehicle, head over to Magic Nissan of Everett and learn about 2015 Nissan GT–R leasing near Lynnwood.
There are plenty of reasons you should lease your next vehicle as oppose to buying. You will not have to have a large down payment, which can help
you save on monthly bills. At the end of the lease, you have the freedom to walk away from the vehicle or buy it outright. When leasing a vehicle, you
can driver a higher–priced and better–equipped vehicle than you might otherwise be able to afford. You will never have to worry about a maintenance
issues, as new vehicles are traditionally covered by a warranty. GT–R can easily handle your workday and weekend demands ... Show more content on
Helpwriting.net ...
The GT–R can help you avoid frequent trips to the gas station as it gets 23 miles per gallon on the highway. Double overhead camshafts with
continuously variable valve timing control system ensures you can always stay on your intended path in any driving condition. You can customize your
driving experience in the GT–R, as you can put the car in three selectable modes. The R–Mode is the perfect for those weekend road trips as it offers
maximum performance with the quickest shifts. The Nissan Brembo braking system allows you to stop when roads gets slippery or

Pros And Cons Of Leasing Vs. Buy
Lease vs. Buy 1. Introduction:
In today's world, customers often face a dilemma about whether to buy or lease. Lease is an agreement in which one party gains a long term rental
agreement, and the other party receives a form of secured long term debt. On the other hand, buying involves transfer of ownership from seller to
buyer. Buying or leasing decision depends mostly on customer's preference. There are many factors to consider before taking a buying or leasing
decision. 2. Factors Influencing Buying vs. Leasing Decision:
Following are the factors a customer should consider before taking a buying or leasing decision. 3.1. Advantages of Leasing: 1. Low monthly payment:
Monthly lease payments are 30–60% lower than ... Show more content on Helpwriting.net ...
Down payment: For purchase loans usually customers are required to make a big down payment. 2. Monthly payments: Monthly payments for
purchase loans are higher than for lease. 3. Depreciation: The moment a product is sold it is considered as used product and price of the product
is less. There are some exceptions to this rule as land; gold etc. usually appreciates over time. For other products customers are actually buying
products that will depreciate over time. 4. Maintenance: Maintenance cost is high for purchased products as after manufacturing warranty runs out
customers need to pay maintenance cost. 5. Technology: In today's world technology changes rapidly. By buying a product a customer is stuck
with that product or need to sell that product at depreciated price to get latest product. 6. Life plans: Buying may be disadvantageous to people
who are expecting changes in their life. For example, from a single professional someone can become a parent of three in 3 years. So for him/her
selling a compact car after three years and replacing it with minivan is would be more expensive then leasing the first car and simple returning it. 7.
Hassle of disposing: For purchased products a customer needs to take the hassle of selling or recycling it.
3. Lease vs. Buy Scenario:
Now I am going to compare between buying a car vs. leasing a car. For this purpose I am assuming the customer is going to take a purchase loan.
Another

Solving The Foreclosure Crisis That Devastated The Nation...
Many Americans have and still have been haunted by their pasts. Most of us have learned not to judge others by backgrounds or past choices, but
when it comes to financial credit, our pasts are not so easily overlooked. With the slow but sure recovery of the foreclosure crisis that devastated the
nation years ago, hangs a hand of hope that offers a second chance to "boomerang buyers" who merely just want to get back into home ownership. The
"rent–to–own" option is the best choice for these buyers who want a second shot to do it all over.
In its simplest terms, renting–to–own means that a piece of property such as a home is leased in exchange for payment. This payment is owed either
monthly or weekly depending on the owner who places the house up for lease. Although, with this option the buyer has the chance to purchase the
house through time.
When people buy a home they have to pay extra amounts that are not covered by the actual price of the home. These extra expenses include down
payments and closing costs. With the rent–to–own option buyers will only pay a security rental deposit and also have the choice of paying an option
deposit as well.
Another benefit that comes along with this option is the flexibility it provides for the buyers. The owners whom are leasing the house to these buyers
will not discredit them because of their bad past credits. They will simply continue their agreement with the buyer if they see that payments are being
made when they are supposed to.

Sources of Finance
P3
Introduction
For this task I will be considering the sources of finance I will need for my company.
Why might a business require finance?
A business may require finance because they can either:
Be setting up a new business and they do not have enough money to start up.
They may need new equipment to help make the business expand and make more profit.
Or they may even want to replace old machinery.
They may want to move there store to a better location that might benefit there company more.
Or they may want to take over another company.
Additional finance can help a company keep trading while it is waiting for it payments for its last sales. It allows a business to meet ongoing costs of
operation or help them to ... Show more content on Helpwriting.net ...
After a fixed time or period it will be sent back to it original owner. This method of finance is good my business because it is a car rental company and
this type of finance is made for these sorts of companies. Not only can I lease my products but I can lease my premises as well. Leasing is an alternative
to buying money assets. As we all no buying these types of merchandise can be very expensive especially for a new business like my self. Leasing
helps new firms with there cash flow. I can find this source by researching leasing companies. There are two type of leasing methods:
Direct lease– A company chooses an asset it want to require form an leasing company and the leasing company rents it to you business for a period of
time and eventually you will have to return it back to the leasing company after customers use it. Sometime the leasing company will allow the
business to buy the asset for a good price.
Leaseback– this is like the opposite of direct lease. Your company own as an asset and leases it to and leasing company and the company leases it to
you. The leasing company now owns that asset.
The drawbacks of leasing a car are:
you can 't use a leased asset as collateral for a future loan,
interest rates can be very high (so be sure to negotiate it before committing),
some lease terms are longer than the life expectancy of the asset, so make sure that you don 't get stuck making payments on obsolete equipment,
one

Racial Profiling Cases
I.INTRODUCTION
Defendant SARAH MINER (hereinafter "Ms. Miner,") owner, and operator of the Portola complex, recently denied Plaintiff DARLAWILLIAMS'
(hereinafter "Plaintiff,") a former tenant, application to continue leasing at the complex. As such, Plaintiff brought several suits (Exhibit 1) against Ms.
Miner, alleging discrimination as the basis for her denial. The Plaintiff's case against Ms. Miner, however, is without merits. Plaintiff received several
noise complaints (Exhibit 2) throughout her tenancy, disrupting the peaceful residential community. Moreover, Plaintiff failed to keep her unit in good
condition, resulting in considerable damage to the unit and property.
Although Plaintiff claims Ms. Miner provided bad references to prospective landlords, Ms. Miner has done nothing of the sort. In fact, policy mandates
providing copies of incidental reports, repair notices and notices of delinquency (unpaid rent) by the tenant; Ms. Miner was simply acting in
compliance. Accordingly, Ms. Miner did not discriminate against the Plaintiff in denying herleasing application, but merely ... Show more content on
Helpwriting.net ...
Police involvement was necessary since security was unable to assist that night; security services are complementary since the guard must service all
three of Ms. Miner's complexes, thus encouraging the use of police with emergency situations. Ms. Miner was uneasy when she learned about the
assault and personally emailed the Plaintiff to inquire about her condition and to clarify that damages to the unit be repaired. Yet, Plaintiff responded
by placing the blame on her ex–boyfriend for the damage, claiming that he wasn't a guest (Exhibit 7); nonetheless, Plaintiff reluctantly paid $2500 for
repair costs

Operating Lease And Finance Lease
Introduction
What is accounting? Accounting is to saving, arranging, plus storing, sorting, retrieving, summarizing, and presenting the information in various
reports and analyses and also records the financial transactions. Accounting also focus on preparing a transparent and general purpose form of financial
statement to people outside of the company (What is accounting?), so that the public could easily understand the financial status of a company, but as a
new specific accounting standard released the regulations about leasing, things are getting unclear.
In this paper I am going to discuss about what are the definition of both operating lease and finance lease, and mainly focus on operating lease due to
the majority of companies using this standard. Then find out what makes companies tend to choose the certain leasing standard and also to discover the
relationship between them. After that I will discuss how this could affect the investors' decision, also to discover the benefit that the lessee and lessor
might have from the leasing standard. After find out the problem and why it occurred, I will discuss how this issue could be solved and try to find out
the solution through the International Accounting Standards Board (IASB).
What is the problem?
In 2005, IAS 17 was adopted in Australia by Australian Accounting Standard Board (AASB) as AASB 117 (AASB, 2004). There are two types of
leases in AASB 117, finance lease and operating lease. Based on the Generally

Advantages And Disadvantages Of Lease
CONTENTS
Meaning
Advantages
Disadvantages
Types
INTRODUCTION
A lease is a contractual arrangement calling for the lessee (user) to pay the lessor(owner) for the use of an asset. Property, buildings and vehicles are
common assets that are leased. Industrial pr business equipment is also leased
Broadly put, a lease agreement is a contract between two parties, the lessor and the lessee. The lessor is the legal owner of the asset; the lessee
obtains the right to use the asset in return for regular rental payments. The lessee also agrees to abide by various conditions regarding their use of
property or equipment. For example, a person leasing a car may agree that the car will be only used for personal use.
The narrower ... Show more content on Helpwriting.net ...
Generally the ownership is transferred to the lessee at the end of the economic life of an asset. Lease term is spread over the major part of the asset
life. Here, lessor is only a financer. Example of a finance lease is big industrial equipment.
On the contrary, in operating lease, risk and rewards are not transferred completely to the lessee. The term of lease is very small compared to
finance lease. The lessor depends on many different lessees for recovering his cost. Ownership along with its risks and rewards lies with the lessor.
Here, the lessor is not only acting as a financer but he also provides additional services required in the course of using the asset or equipment. Example
of an operating lease is music system leased on rent with the respective technicians
Single Investor Lease and Leveraged Lease:
In single investor lease, there are two parties– lessor and lessee. The lessor arranges the money to finance the asset or equipment by way of equity or
debt. The lender is entitled to recover money from the lessor only and not from the lessee in case of default by lessor. Lessee is entitled to pay the
lease rentals only to the

Why Leasing Becomes More and More Preferable for a Company...
INTERMEDIATE ACCOUNTING 2 PAPER
Why Leasing Becomes More and More Preferable for A Company in Indonesia?
I.Preface
Being in a very high competitive business condition, a company has to be well prepared for every potential business problem. One of the problems is
for a company which will do such a business expansion, they need to spend huge amount of money to make some new investments. For instance, they
need to have new capital assets to run their new business.
Due to the huge amount of money they have to spend, the company usually does not provide a bundle of cash from their own pocket to get those kinds
of new capital assets. To provide the new capital assets needed, the company has some alternative solutions they can choose. Those... Show more
content on Helpwriting.net ...
Over the contract period, the agreement can not be cancelled by only one party (noncancellable)
4.Lessee has an option to purchase the leased asset according to the agreed residual value in the inception date
5.Economic risk and maintenance cost are responsibility of lessee
6.Lessor expects to obtain all of the carrying cost of the leased asset back, including the other costs (interest, tax, insurance, maintenance cost, etc)
The advantages and disadvantages of leasing as an alternative of capital source are as follow
The advantages:
1.Full financing : leasing transaction is usually done without any down payment and the financing can be given up to 100%
2.More flexible : leasing is said to be flexible compared to banking loan because the rental payment can be arranged and matched to lessee ability
3.Off balance sheet : activa that is included into leasing category is not listed in the company asset
4.Consideration of technology advance : the company is avoided from the loss due to the fast growth of technology
5.Incerase Debt Capacity
The disadvantages:
1.Force major
It is the cancellation of leasing transaction, for example due to a fire or natural disaster.
2.Default
It is the cancellation of leasing transaction because the lessee is not able to pay the lease payment and other leasing liability so that finance lease
contract is over prior the inception date.

3.Economic reason
It means the

Truck Leasing Problem Essay
Winnie Cheng
ESE 204
Truck Leasing Strategy
Reep Construction recently won a contract for the excavation and site preparation of a new rest area on the Pennsylvania Turnpike. The main problem
is that the firm wants to minimize cost of meeting the monthly trucking requirements for this project but also follows a no–layoff policy.
The constraints of the problem are as follows:
The job requires four months to complete, with 10, 12, 14 and 8 trucks needed in months 1 through 4, respectively.
The firm signed a long–term lease with PennState Leasing last year for trucks where one of these trucks will be available for use on the new project in
month 1, two for month 2, three for month 3 and one for month 4. The long–term leasing ... Show more content on Helpwriting.net ...
This plan would lead to a minimal cost of $151,660.
The costs are split up amongst the type of trucks in this way: Type of Truck| Cost| Long–term trucks (7)| 2000*7 = 14000| S13 (3)| 11675*3 = 35025|
S14 (6)| 14160*6 = 84960| S23 (1)| 11675| S31 (1)| 6000| Total Cost| 151660|
The reduced cost for S11, S41, S12, S22, and S32 is above zero because in the solution these values are zero, so increasing the "final value" of these
trucks or leasing one of any of these trucks would lead to an increase in cost of 3515, 3515, 3725, 210 and 915, respectively. This also means that the
cost would have to decrease by those respective numbers in order for the optimal solution to include those variables.
The shadow prices for each of the constraints show how much the objective function would get better or worse by if the right hand side was
increased by one unit. For instance if the total number of trucks needed for month 1 increased from 10 to 11, the cost would get better by $2485 or
decrease by $2485 (since the shadow price is the negative of the dual price). The positive dual values for the long–term trucks show that using the
long–term trucks instead of the short–term trucks actually

Renting A Car At The Kennedy Airport
Renting a car at the Kennedy Airport in New York? Well, unless you have stellar luck, finding a rental car in a highly populated area at a great price
can be a very difficult find. Nevertheless, I have narrowed down a list of companies in at Kennedy Airport who offer affordable rental rates on
excellent vehicles, as well as stellar customer service. So, renting a car at the Kennedy Airport in New York doesn 't have to be a challenge, or time
consuming. With these companies you can find a really nice vehicle without breaking the bank, and they will pick you up too! Pam Rent a Car 14402
135 Ave, Queens, NY Pam Rent a Car in Queens, NY has received generally positive reviews from consumers. So, what makes this company so
desirable? The friendly customer service, it doesn 't matter if you need a car at 5:00AM or PM. Pam Rent a Car will have the ideal car for you at an
affordable price. You can either call or make reservations, or you can just walk into the office. Pam Rent a Car in New York has a kid friendly office
with lots of toys for the little ones to occupy themselves with. The staff is friendly and knowledgably, even going as far as to offer test drives
before you make your car selection. Don 't worry about insurance or car accidents either, because Pam Rent a Car is fully licensed and insured, so all
you need to do is enjoy your trip. Pam Rent a Car caters to a business crowd, and they offer very nice late model cars, including large Passenger Vans
and Sport Utility

Construction Equipment Leasing
Are you a small or medium sized construction contractor? Have you been wanting to take on larger and more lucrative contracts, only to be thwarted
by a lack of necessary equipment? It can be frustrating when you lack the necessary resources to take on a particular contract, but this is something
that can be solved in a variety of ways. Here are some reasons why construction equipment leasing can be right for you:
Low initial investment: With some large pieces of equipment, you could be looking at spending several hundred thousand dollars if you decide to
purchase them. If your business is still relatively small, you may be unable to secure a loan to help you purchase additional equipment. As a result,
cash outflow in that amount could mean the difference between your business doing okay while growing or needing to lay off people for lack of funds.
With construction equipment leasing, the up front cost will be much lower. ... Show more content on Helpwriting.net ...
However, while it may sound good in theory to offer something like third story or higher gutter cleaning and repairs, the reality may be that nobody in
your area is interested in such a thing. If you purchased a cherry picker to help you clean and repair those gutters, you'd now be stuck with the cost of
the equipment. With construction equipment leasing of that same cherry picker, there is no obligation to continue the lease once the initial term is up.
Always keep newer equipment: If you purchase all of your equipment, chances are that you'll be stuck with an aging model for years until you can
afford another purchase. On the other hand, leasing construction equipment allows you to always have the latest model of equipment on hand. You can
set up your lease so that you can exchange your equipment for the latest model every year. This can give your business a fresh and updated look,
potentially attracting even more

Pros And Cons Of International Versus Capital Leasing In...
Throughout all industry, the topic of whether to buy or lease continues to be a relevant question with proponents for both sides. There are all sorts of
financing options in today's vast and technological society, many of which I had never even heard of. When the topic of leasing was presented, I like
so many others, immediately thought of car leasing. Leasing takes many forms aside from the automobile industry. Healthcare, like most all other
business industries, is not exempt from deciding how, when and what to lease. For this particular paper, we will look at the advantages and
disadvantages of operational versus capital leasing and how they relate to a healthcare organization. In order to gain a full perspective on this issue,
it is important to first define the concept of a lease. A lease is an agreement conveying the right to use property, plant, and equipment (PP&E) usually
for a stated period of time (Diffen, 2015). The two parties involved are the lessee (party paying for use of the asset) and the lessor (party that owns the
asset but is leasing to another). Leasing has become incredibly popular, especially for organizations that may be just starting and are attempting to
avoid long term investments of ... Show more content on Helpwriting.net ...
From the Federal mandate that requires the meaningful use of Electronic Health Records (EHR), to diagnostic equipment and technological advances
in treatment options, much of the equipment needed to maintain today's top healthcare facilities comes with a hefty price tag (Daugherty, 2011). These
items do not come cheap as large equipment, such as an MRI machine, can cost anywhere up to three million dollars. That is a substantial amount of
cash to be obligated thus many healthcare organizations turn to leasing. Deciding on what type of lease best fits your needs and that of your
organization, is entirely dependent upon each individual financial

The And Measurement Of Leases
Recognition and measurement of leases is an important part of accounting for leasing. Many companies and organizations rely on leasing as a means of
acquiring assets without actually owning the asset. Companies often lease land and buildings, company vehicles like trucks for construction, and
equipment for manufacturing or a business; like computers, copiers, and printers. Leasing allows for companies to stay in the game when it comes to
new technology, so that when new technology comes out, companies will be able to start a new lease with new equipment. While leasing is a popular
way of acquiring assets, it's possible that companies and organization will pay more money for a lease then if the asset had been purchased. Leasing of
... Show more content on Helpwriting.net ...
Finally, three more additional criteria that IFRS has that U.S. GAAP does not includes, the leased asset being of specialized nature such that only the
lessee can use it without major modifications being made, the lessor's losses are borne by the lessee upon cancellation, and finally, gains or losses
from changes in the fair value of the residual value go to the lessee. For example, a rent rebate that equals most of the sales earnings at the end of the
lease (IASPlus.com).
Comparing recognition and measurement rules for IFRS and GAAP with each other will give a clear understanding of how both sides deal with
leasing issues. To begin with, when it comes to lease classification under IFRS, lease classification and initial accounting for leases are determined
at the initiation of the lease (IAS 17.13). The date that is used to determine the initiation lease is the earliest date between the lease agreement and
the date of commitment to the lease (IAS 17.4). U.S. GAAP says that the lease term begins on the date the lessee takes possession or is given
jurisdiction of the leased property, even if that date doesn't involve any payments being made. The lease begins as soon as operations begin.
Therefore, for accounting purposes, the lease term can begin before the leased asset even exists (FSP FAS 13–1, fn 1). An example of a lease term that
can begin before a leased asset even exists, would be improvements made to a building or land. When

Leasing vs Purchasing
Report on Leasing vs. Purchasing The benefits of leasing Computer equipment vs. purchasing
Summary
The company needs to upgrade its computer equipment. There are two upgrade paths to consider. In this proposal, we demonstrate how equipment
leases take advantage of the benefits of reduced depreciation and taxation, easy scalability, reduction of IT staff usage, reduced energy costs, and
reduction of capital spending. The company can free up money overall and maintain better control of the IT budget by leasing. The cost of equipment is
spread out over a 3–year period by leasing. There are no disposal fees because the leasing company will be responsible for the equipment leased. By
replacing the current sever setup ( the ... Show more content on Helpwriting.net ...
We would like to prevent this by presenting a way to reduce expenses. "...leasing can provide financing – in some cases up to 100% of the acquisition
cost – when bank credit is scarce. And turnkey leasing programs roll the acquisition, maintenance, upgrading and reselling of equipment into one
package." [ (Couretas, 1997) ]
Leasing and Financing Programs in Q3 fig 3
Leasing and Financing fig3
[ (PC Mall Leasing Options, 2009) ]
The proposal is to lease the IT equipment using one of the companies in the illustration fig 3. We have spoken to the customer account representatives
of the leasing companies. They are all very eager to schedule a consultation meeting with upper management and the IT department heads. [ (Leasing
can help manage changing technology, 1997) ]
Computer technology evolves rapidly. There is a distinct advancement year to year. Computers handle more processing power, use less energy, and
depreciate like rocks falling off Pike's Peak. Leasing helps prevent obsolescence. It offers an opportunity to upgrade equipment for a fraction of the cost
of purchasing. With better equipment, the company stays ahead of the IT curve and improves on productivity from all departments that utilize the in
house private network. IT equipment has an expected useful life of five to eight years.

Leasing A Car
What are the benefits and drawbacks of leasing a car rather than owning one? Benefits Leasing a car is another term for renting, it is a way to
make a car purchase a vehicle with less risk. The risk is reduced as you have the option to return the car after the term ends, meaning you don't ever
have to worry about owning more than the car is worth. Cars are not generally assets that store value, their value deceases as the car is driven and
become older. If you are a person that enjoys getting a new car often, leasing may be the best option for you. Once the term is up, you can easily trade
it in for a new model and not risk having to take out a second auto loan. Drawbacks Sometimes the down payment, monthly payments, and buyout cost
can add

Mister Italy Pizza And Deli Case Study
2.INTRODUCTION
Mister Italy Pizza and Deli Company, is an established local restaurant who wanted to expand its business by venturing in pizza and deli delivery.
There is a growing demand from customers who wanted their pizza delivered right at their door steps. In response to this growing demand, Mister
Italy Pizza and Deli owner, Tony Blanco, needed avehicle. The determining factor is to either purchase or lease a vehicle, that is economical,
dependable, and low mileage.
The company's financial situation is very good. The business attracts new and regular customers, and, therefore generates decent profit. The company
sets aside a budget to purchase or lease a vehicle to stay competitive in this market and reach out to its customers. ... Show more content on
Helpwriting.net ...
Newer Car Customer impression
Lease – A new car would be positive impression because the it could represent an image of success and excellent business practice (Montoya, 2017).
Purchase – As expected, the new vehicle would have a positive impression to customers. However, in the long run, the car depreciates in value. An old
and deteriorated car could give a negative signal to customers regarding the company's business practice (Montoya, 2017).
3.E.Down payment
Lease – According to Montoya (2017), you can have low or no down payment Purchase – McNew (2016) wrote, a potential drawback of buying is a
sizeable down payment. Many lenders require 10 to 20 percent down when taking out a car loan. On a $30,000 vehicle, that's $3000 to $6000.
4. CAR LOAN VS. LEASE COMPARISON TABLE
This example below compares the costs of financing a car with a six–year loan vs. two back–to–back three–year leases, based on leasing an identical car
twice. The $2,000 cash due at signing is paid at the start of each three–year lease. This hypothetical example is based on a $29,429 2017 Mazda CX–5
Touring with an automatic transmission. The figures are rounded to whole numbers.
Purchased
(6–year loan)Leased
(3–year Lease(s)
Monthly payment$416$287

Down Payment$2,000–
Cash Due at Signing–$2,000
Interest Rate2.9%.024%
Total Paid After 3 Years$16,976$12,332
Residual Value After 3 Years
–$16,994
Total Paid After 6 Years$31,952$24,664 (two leases back to

Leasing vs Financing (Leasing vs Buying) Essay
Leasing vs Financing (Leasing vs Buying)
When it comes the time to find a car to drive or a place to live, how do you decide whether to lease or to finance? Chances are most people tend to
investigate what the monthly payments would be and choose whichever is cheaper. But do you ever stop to think of all the things that should be a
part of your decision? Did you know there are websites out there to help you determine how much you can afford? What your monthly payment
would be? There is a lot of information available to you to help make this process an easier one for you. Since finding the right car is something most
people do before they find that perfect place to live, lets start with determining the difference in leasing and buying a ... Show more content on
Helpwriting.net ...
вЂћP Is driving a new car more important to you than actually owning one? Are you comfortable with the carpayments, year in and year out?
вЂћP Do you maintain your car regularly, keeping it in good conditions at all times? Are you comfortable keeping your car the way it was when you
bought it?
вЂћP Do you drive a legitimate business use for youВЎВ¦re your car? Do you plan on claiming you lease pay as a business expenses?
вЂћP Do you drive a consistent number of miles each year? Are you comfortable selecting and following the mileage limit?
If you answered yes to more than three of these questions then leasing may be for you. But remember with all the positive aspect of leasing come
negative ones too. The most important negative to leasing is that at the end of your lease term you must decide whether to turn in the car and
walk away or buy the car and take it back home with you. Many people struggle with this decision because neither decision is easy. If you turn it in,
you have to get it inspected for any damages or wear and tear on the car over the term of your lease. All thought they do allow a certain degree of
normal wear and tear, any excessive wear and tear you have to pay for. Then come miles, when leasing a car you should almost always pay upfront for
more miles because chances are

Capital Leases and Operating Leases Essay
ACCT 3303| CAPITAL LEASE vs. OPERATING LEASE | |
Dr. Serge Ryno
ACCT 3303
December 2, 2011
Capital Lease vs. Operating Lease Firms often choose to lease long–term assets rather than buy them for a variety of reasons including the tax benefits
that are greater to the lessor than the lessees and leases offer more flexibility in terms of adjusting to changes in technology and capacity needs. Lease
payments create the same kind of obligation that interest payments on debt create, and have to be viewed in a similar light. If a firm is allowed to
lease a significant portion of its assets and keep it off its financial statements, an examination of the statements will give a very misleading view of the
company's financial strength. ... Show more content on Helpwriting.net ...
The better the financials look, the easier it is to get needed financing in the future. Since there is no ownership involved, operating leases offer a great
deal of flexibility. For example, a small business doesn't need to worry about equipment becoming obsolete. A company can simply lease newer
equipment. The ability to directly expense leasing costs provides some accounting benefit. When a company owns an asset, accounting rules dictate that
the property, plant or equipment must be depreciated and held on the balance sheet for the asset's useful life. In effect, this ties up the company's cash
flow and leverages the company to financiers. Operating leases are not subject to these constraints. One disadvantage of entering an operating lease
involves the higher level of expenses reported. Businesses who enter operating leases record a lease expense for each period throughout the duration of
the lease. These expenses appear on the company's income statement. The income statement reports the revenues earned for the period, the expenses
incurred and the net income for the period. Operating leases represent temporary arrangements between the lessor and the company. When the lease
expires, the terms of that lease become void. The lessor and the company spend time renegotiating the terms or ending the relationship. The company
needs to reconsider the lease and evaluate its options on a regular basis. This lack of continuity

Lease and Hire Purchase
SYMBIOSIS LAW SCHOOL, PUNE
Constituent of Symbiosis International University, Pune
(Accredited by NAAC (UGC) with `A' Grade)
Managerial Economics Internal Assessment
REPORT ON
'LEASE AND HIRE PURCHASE COMPANIES'
Submitted by
SIVAGNANAM KARTHIKEYAN
ROLL NO: 135
DIV 'B'
BBA. LLB. BATCH 2013–18
LEASING
A lease transaction is a commercial arrangement whereby an equipment owner or Manufacturer conveys to the equipment user the right to use the
equipment in return for a rental. In other words, lease is a contract between the owner of an asset (the lessor) and its user (the lessee) for the right to
use the asset during a specified period in return for a mutually agreed periodic payment (the lease rentals). The important feature ... Show more content
on Helpwriting.net ...
In such transactions ownership of goods is transferred to a finance company at a discounted price, and the company hires out and then sells those goods
to the buyer.
A hire purchase agreement is defined in the Hire Purchase Act, 1972 as peculiar kind of transaction in which the goods are let on hire with an option to
the hirer to purchase them, with the following stipulations:
a. Payments to be made in installments over a specified period.
b. The possession is delivered to the hirer at the time of entering into the contract.
c. The property in goods passes to the hirer on payment of the last installment.
d. Each installment is treated as hire charges so that if default is made in payment of any installment, the seller becomes entitled to take away the

goods, and
e. The hirer/ purchase is free to return the goods without being required to pay any further installments falling due after the return.
Hire purchase should be distinguished from instalment sale wherein property passes to the purchaser with the payment of the first instalment. But in
case of HP (ownership remains with the seller until the last instalment is paid) buyer gets ownership after paying the last instalment.
Advantages of hire purchases
1. Spread the cost of finance – Whilst choosing to pay in cash is preferable,. A hire purchase agreement

Pros Of Leasing
In the vast majority of situations here in the United States, I recommend leasing over any other ways to finance and drive a car.
This might surprise you.
Because we have been brainwashed that leasing is a fool's way to drive a car.
But when we exploit the benefits of leasing (and avoid the common traps), we are able to drive a lot more car for a lot less money over our lifetime.
*** We all know leasing is confusing
Leasing is meant to seem complicated.
This is done on purpose, because it tricks (most) people into making poor financial choices. And these bad decisions puts more profit into the dealer's
bank account.
But when we exploit leasing in our favor, it is almost always cheaper than any other form of financing a new car.
*** ... Show more content on Helpwriting.net ...
I am about to share with you the big loophole of new–car leasing.
Ready?
Here it is...
It is a secret that most people do not know about.
It is the secret that gets most people thinking leasing has mileage and damage penalties.

But the secret is this:
The legal loophole around paying for end–of–lease penalties is to get the dealership to buy our car back from us (instead of turning it in).
Let me repeat this, because it is the secret to get more car for less money.
At any time during a lease, we can sell our leased car to any dealership on the planet. It does not matter if we sell a leased Toyota to a BMW dealership
or a leased Audi to a Honda dealership.
Because as soon as we sell the car to the dealership, the lease company gets paid off and cannot charge us for end–of–lease extras.
This is known as a "early lease buyout".
It is the cost that anyone can buy the car for. And it is calculated at the same time we sign the lease paperwork.
Even better, some dealerships will offer us more for our leased car than the early lease buyout.
Why? Because they can flip our leased car and sell it used on their lot for a ton of profit. (More on this

Car Advantages
{The Comparison Between Car Hire and Car Lease in Dubai|Comparing Between Leasing and Hiring Cars in Dubai|Things to Note About Hiring
and Leasing Cars in Dubai} {Cars are beneficial because they help us move from one point to the other conveniently.|Vehicles are of great benefit
because they facilitate our convenient movement from one location to the other.|Cars Cars are important because they help us to travel to various
locations easily.} {In Dubai, owning a car is a great choice because it is not expensive to maintain, cars allow you not to spend time in the hot sun
waiting for buses, cars help you to avoid the crowded trains, and they are cheaper than using taxis to move to various locations in a day.|In Dubai,
owning cars is ideal because; they are not expensive to maintain, cars allow you not to spend time in the hot sun waiting for buses, cars help you to
avoid the crowded trains, and they are cheaper than using taxis to move to various locations in a day.|Owning cars in Dubai is a wise choice
because; their maintenance is affordable, they protect people from the hot sun that they could deal with while waiting for buses, they help people to
avoid the crowded trains, and they are cheaper than using taxis to move to various locations in a day.} {However, not everyone can manage to own
a car for various reasons.|Conversely, car ownership is not practical for everyone for many reasons.|Nonetheless, owning cars is not convenient for
everyone due to certain factors.}

Mister Italy Pizza And Deli Company Case Study
Mister Italy Pizza and Deli Company, is an established local restaurant who wanted to expand its business by venturing in pizza and deli delivery.
There is a growing demand from customers who wanted their pizza delivered right at their door steps. In response to this growing demand, Mister
Italy Pizza and Deli owner, Tony Blanco, needed avehicle. The determining factor is to either purchase or lease a vehicle, that is economical,
dependable, and low mileage.
The company's financial situation is very good. The business attracts new and regular customers, and, therefore generates decent profit. The company
sets aside a budget to purchase or lease a vehicle to stay competitive in this market and reach out to its customers. Therefore, the ... Show more content
on Helpwriting.net ...
Newer Car Customer impression
Lease – A new car would be positive impression because the it could represent an image of success and excellent business practice (Montoya, 2017).
Purchase – As expected, the new vehicle would have a positive impression to customers. However, in the long run, the car depreciates in value. An old
and deteriorated car could give a negative signal to customers regarding the company's business practice (Montoya, 2017).
3.E.Down payment
Lease – According to Montoya (2017), you can have low or no down payment Purchase – McNew (2016) wrote, a potential drawback of buying is a
sizeable down payment. Many lenders require 10 to 20 percent down when taking out a car loan. On a $30,000 vehicle, that's $3000 to $6000.
4. CAR LOAN VS. LEASE COMPARISON TABLE
This example below compares the costs of financing a car with a six–year loan vs. two back–to–back three–year leases, based on leasing an identical car
twice. The $2,000 cash due at signing is paid at the start of each three–year lease. This hypothetical example is based on a $29,429 2017 Mazda CX–5
Touring with an automatic transmission. The figures are rounded to whole numbers.
Purchased
(6–year loan)Leased
(3–year Lease(s)
Monthly payment$416$287
Down Payment$2,000–
Cash Due at Signing–$2,000

Interest Rate2.9%.024%
Total Paid After 3 Years$16,976$12,332
Residual Value After 3 Years
–$16,994
Total Paid After 6 Years$31,952$24,664 (two leases back to back, including

A Functional Service Economy Essay example
A Functional Service Economy
Green Business. Natural Capitalism. Eco–efficiency. An Eco–economy. These are terms used to describe the desired (and often purely conceptual)
transformation of the private sector, from one of often flagrant resource use and disposal into a sustainable and ecologically concerned industry.
?The eco–efficiency imperative is based on the idea that companies must come to terms with the new realities of population growth, increased evidence
of global warming, ozone depletion, loss of fertile soils and forests. These new realities will change the markets (customers' attitudes) and lead to
tougher government regulation. This will change the bottom–line of each company now and increasingly in the future. Costs ... Show more content on
Helpwriting.net ...
they want to use the products, or enjoy the service that it provides: ?What we want is transportation from our car, cold beer from the refrigerator, and
news or entertainment from our television? (Hawken 1993). Businesses can use this concept as an approach to sustainability by selling a service
instead of a product.
The service industry answers the call of capitalism in that people are still purchasing and selling. But the industry deviates from the traditional
consumer–driven practices because the consumer only uses the service of a product, but does not attain ownership of the product. This shift from
product consumption to the selling of service addresses and answers the challenge that human welfare is best served by improving the quality and
flow of desired services delivered, rather than by merely increasing the total dollar flow?(Hawkins and Lovins 1999). The environmental benefit of an
industrial service economy lies in the fact that it is ?regenerative rather than depletive, one whose products ?work within cradle to cradle lifecycles
rather than cradle to grave cycles?? (Brown).
Services Instead of Products:
The potential environmental benefit of the service economy industrial model needs to be critically investigated. We will introduce the logic behind the
concept and offer economic arguments for and against it, go over the legal issues of leasing and lending, and then critically look at two companies
which are trying to make the selling of service

Buying vs Leasing
Executive Summary
What would be the best option for a company to lease or purchase equipment? Each business owner's situation is different. The decision to buy or lease
business equipment is unique. It must be made on a case–by–case basis. Leasing equipment preserves capital giving the business more flexibility. While
leasing can be good in the short run it can cost you more in the long run. We will look at the advantages and disadvantages of leasing. My research
will look at the different options a company faces if they lease or buy and why it has become more attractive to lease.
First let's start by describing the basic concept of a lease. Some leases are merely rentals, whereas others are effectively purchases. FASB classifieds ...
Show more content on Helpwriting.net ...
Like house, then, buying is cheaper than renting in the long term.
While leasing has both advantages and disadvantages. Let's take a look at the disadvantages. The lack of ownership would be a main disadvantage.
You are obligated to make payments and when a lessee encounters financial distress, the lessor typically becomes its largest creditor. If a lessor
decides to reduce exposure and recall its leased aircraft, an airline can no longer operate. Lessors require payments for all aspects of airplane utilization
and rent, meaning maintenance reserves and so on. The cash flow becomes much tighter while if they own their own jets they have much more
flexibility. According to Boeings Zolotusky, it comes down to two basic considerations, the quality of the aircraft involved and the customer involved.
Businesses can change operations and it may be expensive and difficult to terminate a lease before the end of the term. If the business owns the
property it might be easier to sell and make money rather than losing all of its assets and getting nothing in return. In some cases of leasing when it's
time to renew the owners might demand higher rental payments putting the lessee at a disadvantage.
Lessors offer a very sensible business proposition. For airlines that want to be primarily airlines, it's a very attractive and efficient service. If the
operators want to focus on the service of getting people on planes,

Market Analysis : Victor Alexander, New York City And...
Opportunity Overview
I, Victor Alexander, have sourced the opportunity to invest in a 160,000 square distribution center, constructed in 2000, in Somerset, NJ. The property
is extremely well placed, as it is in close proximity to New York City and Philadelphia, along Boston–Washington DC corridor, and located within 20
miles of 100,000 businesses that employ nearly one million people. The property offers 24' clearance height, 40' x 40' column spacing, 24 loading
/truck doors, and 220 parking spaces. The property is currently fully leased to three credit tenants, all of which have expressed an interest in renewing
their leases as soon as they expire.
Investment Strategy
This opportunity represents a Value–Add Investment strategy, a slightly ... Show more content on Helpwriting.net ...
We will hold this investment, as stated earlier, for a five–year period, after which we will dispose of the asset. Selling the asset after a five–year hold
make sense as it allows us to take advantage of a major bump in base rent starting in year six of the investment (assuming we lease all three tenants to
the leases they have indicated interest in signing), meaning that we can sell the asset for much more than we could before year five due to the
significantly higher NOI associated with this greater base rent. We will then plan to sell the property, at the end of year 5, at a 7% cap rate, a figure
that represents a mere 22 basis point increase from our entrance cap of 6.78%.
Despite maintaining that this deal represents a Value–Add investment, there are some aspects of this deal that make it seem safer, and more similar to a
Core+ investment. One major positive attribute of this deal, which will be discussed further in the Primary Attributes section of this investment memo,
is that it requires very low capital expenditures aside from the miniscule $32,000 annual reserve I have underwritten to cover all smaller capital
expenditures associated with operating the property. Additionally, this property provides a consistent equity after–tax current yield every year,
something more common in a Core or Core+ investment than a Value–Add investment. However, between the higher return profile, shorter hold

Exim

Recommended

Recommended

More Related Content

Similar to Exim

Similar to Exim (20)

More from Rachel Walters

More from Rachel Walters (20)

Recently uploaded

Recently uploaded (20)

Exim