We evaluate each borrower on multiple parameters which include screening of personal, financial and professional details to name a few. Verified creditworthy borrowers are listed on our platform.
https://www.p2peasy.com/
This document summarizes the services of StanCorp Investment Advisers, which helps clients achieve their financial goals and dreams through personalized financial planning and investment management. The company manages billions of dollars for hundreds of thousands of clients. It offers a team approach with an experienced adviser to develop tailored plans, create diversified portfolios based on risk tolerance, and monitor investments. Fees are charged as a percentage of assets under management and the company receives no commissions to maintain objectivity.
This document discusses collateral requirements for loans, including SBA loans. It notes that collateral is not always required by lenders, and strong business plans and financial projections can reduce collateral needs. The amount of collateral required depends on factors like the risk of the loan and how much risk the lender already has. For SBA loans, personal guarantees are usually required from owners of 20% or more of the business. Which assets can be pledged as collateral varies by lender and loan type. Receivables can be factored for immediate cash flow. The value assigned to collateral depends on factors like the age of receivables. Franchises listed on the Franchise Registry may have more favorable collateral requirements from lenders.
This document discusses the importance and benefits of cash forecasting for companies. It outlines how accurate cash forecasting can help companies improve productivity, financial controls, visibility, decision making, and risk management. Specifically, forecasting allows companies to better utilize excess cash through longer term investing, debt repayment, and cash repatriation. It also helps with strategic activities like free cash flow guidance, supplier financing programs, and hedging currency risk. The document provides tips for perfecting the cash forecast through collaboration, data consolidation, and ongoing measurement of forecast accuracy.
This document provides strategies for repaying debt, including getting organized, choosing a strategy, and following a monthly plan. It recommends making a list of all debts with balances, interest rates, and minimum payments. The two main repayment strategies discussed are the snowball method, where smallest debts are paid first to boost motivation, and the avalanche method, where highest interest debts are paid first to save the most money. It also mentions debt consolidation. The monthly plan involves budgeting minimum payments, setting aside extra for repayment each month, and applying that amount to the top debt while making minimums on others until paid off, then rolling that payment to the next debt.
This document discusses the effectiveness of defined contribution plan investment structures and how plan design impacts participant outcomes. It provides examples of how automatically enrolling participants at higher rates and automatically escalating contributions over time can help participants reach their retirement savings goals with adequate replacement income. The summary also discusses how simplifying investment options and offering managed accounts can improve participant decision making by reducing choice overload and naïve diversification. The key message is that a plan's investment structure and participant behaviors strongly influence retirement readiness, so plan sponsors should tailor the structure based on their specific participants.
Principal Reduction - FloridaPrincipalReduction.comtomvnguyen
Today's Home Solutions of America claims it can eliminate homeowners' negative equity through a principal reduction refinancing program, where they purchase mortgage notes at a discount and refinance the homeowner into a new loan with a lower principal balance. They guarantee they can save homeowners over $884 per month and eliminate $110,000 in negative equity through a refinance with a 90% approval ratio within 180 days for a $1,595 fee. The document provides details on the refinancing process and requirements.
This document summarizes the services of StanCorp Investment Advisers, which helps clients achieve their financial goals and dreams through personalized financial planning and investment management. The company manages billions of dollars for hundreds of thousands of clients. It offers a team approach with an experienced adviser to develop tailored plans, create diversified portfolios based on risk tolerance, and monitor investments. Fees are charged as a percentage of assets under management and the company receives no commissions to maintain objectivity.
This document discusses collateral requirements for loans, including SBA loans. It notes that collateral is not always required by lenders, and strong business plans and financial projections can reduce collateral needs. The amount of collateral required depends on factors like the risk of the loan and how much risk the lender already has. For SBA loans, personal guarantees are usually required from owners of 20% or more of the business. Which assets can be pledged as collateral varies by lender and loan type. Receivables can be factored for immediate cash flow. The value assigned to collateral depends on factors like the age of receivables. Franchises listed on the Franchise Registry may have more favorable collateral requirements from lenders.
This document discusses the importance and benefits of cash forecasting for companies. It outlines how accurate cash forecasting can help companies improve productivity, financial controls, visibility, decision making, and risk management. Specifically, forecasting allows companies to better utilize excess cash through longer term investing, debt repayment, and cash repatriation. It also helps with strategic activities like free cash flow guidance, supplier financing programs, and hedging currency risk. The document provides tips for perfecting the cash forecast through collaboration, data consolidation, and ongoing measurement of forecast accuracy.
This document provides strategies for repaying debt, including getting organized, choosing a strategy, and following a monthly plan. It recommends making a list of all debts with balances, interest rates, and minimum payments. The two main repayment strategies discussed are the snowball method, where smallest debts are paid first to boost motivation, and the avalanche method, where highest interest debts are paid first to save the most money. It also mentions debt consolidation. The monthly plan involves budgeting minimum payments, setting aside extra for repayment each month, and applying that amount to the top debt while making minimums on others until paid off, then rolling that payment to the next debt.
This document discusses the effectiveness of defined contribution plan investment structures and how plan design impacts participant outcomes. It provides examples of how automatically enrolling participants at higher rates and automatically escalating contributions over time can help participants reach their retirement savings goals with adequate replacement income. The summary also discusses how simplifying investment options and offering managed accounts can improve participant decision making by reducing choice overload and naïve diversification. The key message is that a plan's investment structure and participant behaviors strongly influence retirement readiness, so plan sponsors should tailor the structure based on their specific participants.
Principal Reduction - FloridaPrincipalReduction.comtomvnguyen
Today's Home Solutions of America claims it can eliminate homeowners' negative equity through a principal reduction refinancing program, where they purchase mortgage notes at a discount and refinance the homeowner into a new loan with a lower principal balance. They guarantee they can save homeowners over $884 per month and eliminate $110,000 in negative equity through a refinance with a 90% approval ratio within 180 days for a $1,595 fee. The document provides details on the refinancing process and requirements.
The document outlines 7 attributes of an excellent defined contribution retirement plan compared to an average plan. It discusses each attribute in detail and provides actions plans can take to improve. The key attributes of an excellent plan include having a retirement income mindset and measuring success based on income replacement goals, reducing investment decisions for participants through broad fund options, automatically enrolling most participants in professionally managed asset allocation solutions, encouraging double-digit contribution rates through automatic escalation and company matching, retaining assets of retiring participants in the plan, providing post-retirement income options, and integrating financial wellness programs beyond just education.
As a plan fiduciary, there are seven simple truths sponsors should know: (1) fiduciaries exercise discretion over plan/asset management and provide investment recommendations; (2) fiduciaries can delegate responsibilities to experts to minimize risk and liability; (3) sponsors are responsible for selecting advisors, providers, and plan features to help employees retire; (4) fiduciaries must understand and monitor all plan fees to ensure they are reasonable; (5) sponsors should benchmark service providers and regularly ask questions; (6) an investment policy statement and committee should guide investment decisions; (7) ongoing monitoring of performance and providers is needed to ensure the plan meets expectations.
6 Simple Strategies to Improve your Credit ScoreZillow
Six strategies are presented to help improve a poor credit score: 1) Always make payments on time; 2) Only spend what can be repaid each month and pay balances in full; 3) Gradually reduce balances by paying more than minimums; 4) Use less than 30% of available credit; 5) Decline new credit card offers which can negatively impact scores; 6) Check credit reports for errors and dispute inaccuracies. Maintaining old credit accounts also helps credit history.
How to Get the Best Mortgage for Your SalaryZillow
Getting the best mortgage requires preparation including reviewing your credit report regularly, improving your credit score and debt-to-income ratio, and planning for a sizable down payment which can save on interest and fees. It also means shopping rates from multiple local lenders and feeling confident in your choice of lender before committing to lock in an interest rate. Entering the process well-prepared increases the chances of mortgage success.
Access to capital is one among the most important barriers little businesses face once wanting to implement growth ways. That’s why it’s vital to know each the benefits and downsides of debt finance. A convincing truth in business is that it takes cash to create cash; however it takes inexpensive cash to last. However wherever can that cash come back from? There square measure scores of choices. Don’t let the word “debt” scare you. Primarily, debt finance is that the act of raising capital by borrowing cash from a loaner or a bank. Reciprocally for a loan, creditors are then owed interest on the cash borrowed. Debt may be cost-efficient, providing little businesses with the funds to top off on inventory, rent further workers, and buy property or much-needed instrumentation.
“Why do academics always talk about risk adjusted returns? I get that risk matters and you shouldn’t have a riskier portfolio than you can manage. But if I compare two strategies over a period, I’m better off at the end if I used the strategy with the higher return, not the one with the higher risk adjusted return. So why is risk adjusted return relevant?”
1) The document introduces John K. Bahr and his wealth management firm, which serves a limited number of clients through a personalized approach focused on communication, service, and education.
2) The firm provides a team of specialists to address clients' various financial needs, and offers services like charitable donations and investment management aimed at being trustworthy.
3) The document outlines common investor mistakes and emphasizes the importance of written goals, financial planning, and ongoing communication between clients and the firm.
This document discusses various types of debt financing options for venture-backed startups, including venture debt, accounts receivable financing, recurring revenue financing, and mezzanine financing. It provides an overview of the key benefits and risks of taking on debt for startups. It also describes some of the key terms and considerations for different debt products, and provides examples of how venture debt and recurring revenue lines can extend a company's cash runway in a minimally dilutive way.
. A true financial advisor should be a well-educated, credentialed, experienced, financial professional who works on behalf of his clients as disputed to serving the interests of a financial institution
The document discusses the rise of self-sufficiency as a secondary objective for pension schemes after their primary objective of reaching 100% funding. It notes that achieving self-sufficiency, where a scheme is fully funded based only on expected modest investment returns, allows schemes to significantly reduce investment risk and provides benefits for both the scheme and its sponsor. However, it also notes some challenges in reaching self-sufficiency like determining an appropriate recovery period and implementing dynamic de-risking strategies over time. Overall, it presents self-sufficiency as an attractive option for schemes and sponsors that provides downside protection but requires careful planning to balance risks.
This document discusses revenue-based financing as a potential option for farmers to grow their business. Revenue-based financing provides growth capital in exchange for a percentage of future revenues, with payments based on a fixed percentage of monthly sales until a revenue cap is reached. It has several benefits over traditional loans such as no fixed payments, minimum payments, personal guarantees, or equity dilution. Revenue-based financing also allows farmers to secure more capital than other debt sources and does not require an exit event for the investor to be rewarded. The document encourages farmers interested in exploring this option to contact the author.
ERISA Fiduciary Advisors, Inc. provides fiduciary advisory services to retirement plan sponsors to help protect them from fiduciary liability. They offer different levels of advisory and consulting services and accept fiduciary responsibility in writing. As an independent registered investment advisory firm, they work as a discretionary or nondiscretionary investment fiduciary and qualified fiduciary advisor. Their goal is to help plan sponsors and participants achieve retirement goals through proper plan management while avoiding conflicts of interest by not receiving payments from recommended investment managers.
This document provides tips and advice about financing property investments. It discusses various topics like first home owner assistance programs, construction loans, credit scoring, loan structures, lenders mortgage insurance, buying at auction, offset accounts, and making extra payments. Throughout, it highlights potential pitfalls ("traps") to watch out for, such as ensuring pre-approvals cover both the borrower's ability and the specific property being purchased. The overall message is to be aware of financing options and their implications to make informed financial decisions around property investments.
This document outlines an "Ethical Investment Checklist" which is a system and set of 7 fundamentals to evaluate potential investments. The fundamentals cover topics such as investment structure, exit strategy, profitability, security/transparency, track record, investment manager incentives, and business plan. The goal is to empower investors to make clear and informed decisions by understanding what questions to ask and what characteristics define an "ethical investment". Ethical investments consider environmental, societal and economic impacts, and the document provides examples of questions to assess a company's ethics.
In this powerpoint, we explain the cost of a payday loan including the recent FCA price cap and how the daily interest and cost per £100 borrowed impacts the level of APR
Most investment firms guide investors toward a mix of equities and fixed income, with fixed income intended to earn returns while protecting principal and reducing portfolio risk. However, rising interest rates have created challenges for fixed income. Through April, most fixed income assets were negative, demonstrating the benefits of diversification and avoiding long duration securities. The 10-year Treasury yield has risen from 2.04% to 2.97%, lowering prices in "safe" fixed income buckets. Further rate rises are expected as the Federal Reserve continues tightening its balance sheet. To address this, maintaining a diversified portfolio focused on asset class correlations and including alternatives can help optimize returns over time in the current environment.
Businesses may prefer debt financing over equity financing for several reasons:
1) Debt financing allows businesses to maintain full ownership over their company and avoid giving up partial ownership to investors.
2) Debt financing provides tax benefits as principal and interest payments are tax deductible business expenses.
3) After accounting for tax deductions, the effective interest rate of debt financing can be lower than the stated interest rate from lenders.
4) Debt financing is more accessible than equity financing, with over 99% of businesses using debt in the form of loans and lines of credit to obtain capital.
Small business loans you can qualify for with bad credit scoreMerchant Advisors
Business loans can be challenging to secure if you have bad credit. Here are a few financing options to get small business loans with bad credit. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-bad-credit/
The document outlines 7 attributes of an excellent defined contribution retirement plan compared to an average plan. It discusses each attribute in detail and provides actions plans can take to improve. The key attributes of an excellent plan include having a retirement income mindset and measuring success based on income replacement goals, reducing investment decisions for participants through broad fund options, automatically enrolling most participants in professionally managed asset allocation solutions, encouraging double-digit contribution rates through automatic escalation and company matching, retaining assets of retiring participants in the plan, providing post-retirement income options, and integrating financial wellness programs beyond just education.
As a plan fiduciary, there are seven simple truths sponsors should know: (1) fiduciaries exercise discretion over plan/asset management and provide investment recommendations; (2) fiduciaries can delegate responsibilities to experts to minimize risk and liability; (3) sponsors are responsible for selecting advisors, providers, and plan features to help employees retire; (4) fiduciaries must understand and monitor all plan fees to ensure they are reasonable; (5) sponsors should benchmark service providers and regularly ask questions; (6) an investment policy statement and committee should guide investment decisions; (7) ongoing monitoring of performance and providers is needed to ensure the plan meets expectations.
6 Simple Strategies to Improve your Credit ScoreZillow
Six strategies are presented to help improve a poor credit score: 1) Always make payments on time; 2) Only spend what can be repaid each month and pay balances in full; 3) Gradually reduce balances by paying more than minimums; 4) Use less than 30% of available credit; 5) Decline new credit card offers which can negatively impact scores; 6) Check credit reports for errors and dispute inaccuracies. Maintaining old credit accounts also helps credit history.
How to Get the Best Mortgage for Your SalaryZillow
Getting the best mortgage requires preparation including reviewing your credit report regularly, improving your credit score and debt-to-income ratio, and planning for a sizable down payment which can save on interest and fees. It also means shopping rates from multiple local lenders and feeling confident in your choice of lender before committing to lock in an interest rate. Entering the process well-prepared increases the chances of mortgage success.
Access to capital is one among the most important barriers little businesses face once wanting to implement growth ways. That’s why it’s vital to know each the benefits and downsides of debt finance. A convincing truth in business is that it takes cash to create cash; however it takes inexpensive cash to last. However wherever can that cash come back from? There square measure scores of choices. Don’t let the word “debt” scare you. Primarily, debt finance is that the act of raising capital by borrowing cash from a loaner or a bank. Reciprocally for a loan, creditors are then owed interest on the cash borrowed. Debt may be cost-efficient, providing little businesses with the funds to top off on inventory, rent further workers, and buy property or much-needed instrumentation.
“Why do academics always talk about risk adjusted returns? I get that risk matters and you shouldn’t have a riskier portfolio than you can manage. But if I compare two strategies over a period, I’m better off at the end if I used the strategy with the higher return, not the one with the higher risk adjusted return. So why is risk adjusted return relevant?”
1) The document introduces John K. Bahr and his wealth management firm, which serves a limited number of clients through a personalized approach focused on communication, service, and education.
2) The firm provides a team of specialists to address clients' various financial needs, and offers services like charitable donations and investment management aimed at being trustworthy.
3) The document outlines common investor mistakes and emphasizes the importance of written goals, financial planning, and ongoing communication between clients and the firm.
This document discusses various types of debt financing options for venture-backed startups, including venture debt, accounts receivable financing, recurring revenue financing, and mezzanine financing. It provides an overview of the key benefits and risks of taking on debt for startups. It also describes some of the key terms and considerations for different debt products, and provides examples of how venture debt and recurring revenue lines can extend a company's cash runway in a minimally dilutive way.
. A true financial advisor should be a well-educated, credentialed, experienced, financial professional who works on behalf of his clients as disputed to serving the interests of a financial institution
The document discusses the rise of self-sufficiency as a secondary objective for pension schemes after their primary objective of reaching 100% funding. It notes that achieving self-sufficiency, where a scheme is fully funded based only on expected modest investment returns, allows schemes to significantly reduce investment risk and provides benefits for both the scheme and its sponsor. However, it also notes some challenges in reaching self-sufficiency like determining an appropriate recovery period and implementing dynamic de-risking strategies over time. Overall, it presents self-sufficiency as an attractive option for schemes and sponsors that provides downside protection but requires careful planning to balance risks.
This document discusses revenue-based financing as a potential option for farmers to grow their business. Revenue-based financing provides growth capital in exchange for a percentage of future revenues, with payments based on a fixed percentage of monthly sales until a revenue cap is reached. It has several benefits over traditional loans such as no fixed payments, minimum payments, personal guarantees, or equity dilution. Revenue-based financing also allows farmers to secure more capital than other debt sources and does not require an exit event for the investor to be rewarded. The document encourages farmers interested in exploring this option to contact the author.
ERISA Fiduciary Advisors, Inc. provides fiduciary advisory services to retirement plan sponsors to help protect them from fiduciary liability. They offer different levels of advisory and consulting services and accept fiduciary responsibility in writing. As an independent registered investment advisory firm, they work as a discretionary or nondiscretionary investment fiduciary and qualified fiduciary advisor. Their goal is to help plan sponsors and participants achieve retirement goals through proper plan management while avoiding conflicts of interest by not receiving payments from recommended investment managers.
This document provides tips and advice about financing property investments. It discusses various topics like first home owner assistance programs, construction loans, credit scoring, loan structures, lenders mortgage insurance, buying at auction, offset accounts, and making extra payments. Throughout, it highlights potential pitfalls ("traps") to watch out for, such as ensuring pre-approvals cover both the borrower's ability and the specific property being purchased. The overall message is to be aware of financing options and their implications to make informed financial decisions around property investments.
This document outlines an "Ethical Investment Checklist" which is a system and set of 7 fundamentals to evaluate potential investments. The fundamentals cover topics such as investment structure, exit strategy, profitability, security/transparency, track record, investment manager incentives, and business plan. The goal is to empower investors to make clear and informed decisions by understanding what questions to ask and what characteristics define an "ethical investment". Ethical investments consider environmental, societal and economic impacts, and the document provides examples of questions to assess a company's ethics.
In this powerpoint, we explain the cost of a payday loan including the recent FCA price cap and how the daily interest and cost per £100 borrowed impacts the level of APR
Most investment firms guide investors toward a mix of equities and fixed income, with fixed income intended to earn returns while protecting principal and reducing portfolio risk. However, rising interest rates have created challenges for fixed income. Through April, most fixed income assets were negative, demonstrating the benefits of diversification and avoiding long duration securities. The 10-year Treasury yield has risen from 2.04% to 2.97%, lowering prices in "safe" fixed income buckets. Further rate rises are expected as the Federal Reserve continues tightening its balance sheet. To address this, maintaining a diversified portfolio focused on asset class correlations and including alternatives can help optimize returns over time in the current environment.
Businesses may prefer debt financing over equity financing for several reasons:
1) Debt financing allows businesses to maintain full ownership over their company and avoid giving up partial ownership to investors.
2) Debt financing provides tax benefits as principal and interest payments are tax deductible business expenses.
3) After accounting for tax deductions, the effective interest rate of debt financing can be lower than the stated interest rate from lenders.
4) Debt financing is more accessible than equity financing, with over 99% of businesses using debt in the form of loans and lines of credit to obtain capital.
Small business loans you can qualify for with bad credit scoreMerchant Advisors
Business loans can be challenging to secure if you have bad credit. Here are a few financing options to get small business loans with bad credit. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-bad-credit/
Get a business loan in Dubai requires meeting several qualifications:
- The business must have been operating for at least one year, with an annual minimum turnover that varies by bank
- Applicants must be at least 21 years old and have a business bank account in the UAE
- Common ways to apply include submitting applications along with six months of business or personal bank statements
- Qualification can be improved by maintaining a good credit score over 750 and choosing a longer loan repayment term to lower monthly payments.
Approaching Your BankerTips1. Keep in mind tha.docxrossskuddershamus
Approaching Your Banker
Tips
1. Keep in mind that to stay in business banks need to make loans.
Do not be afraid to ask for one. That is what the Commercial Account Manager wants you to do. To increase your chances of getting a loan, look for a bank that is familiar with your industry and who has done business with companies like yours. Seek out banks that are active in small business financing. Some banks lend on a conventional basis (lending money without government support), while some banks participate in government programs (in the form of government participations involving direct government funds or loan guarantees). However, be aware that banks often demand stiff collateral requirements for start-ups.
2. As an entrepreneur, make sure that you are thoroughly prepared when you go to your banker's office to request a loan.
You need to show your bankers that a loan to you is a low-risk proposition. Have on hand a completed Business PlanManagementMarketsMaterialsMoney Copies of cash flow (12Mth) Financial statement projections (3-4yrs)
3. Learn to anticipate every question that he or she has. Remember, the combination of information and preparation is the most powerful negotiating tool in the world. A confident and thoroughly prepared borrower is four times more likely to have his or her loan approved than a borrower who does not know the answer to some of the basic questions a banker asks. To show the extent of your preparedness, your business plan should also include answers to your banker's questions.
These questions normally are:
How much money do you need? Be as exact as possible; although adding a little extra for contingencies will not hurt. How long do you need it for? Be prepared to go into detail about what the money will do for you and why your business is a good risk. What are you going to use it for? Businesses use loans for three things: to buy new assets, pay off old debts, or pay for operating expenses. When and how you will repay for it? Your cash flow projections should provide a repayment time frame. Convince the banker of the long-term profitability of your business and your ability to repay the loan by using your financial projections and business plan. What will you do if you do not get the loan? Is your request Safe and Sound.
4. Do not take an apologetic and negative attitude. Keep your negativity in check. Present yourself as an entrepreneur who can and will repay the loan. Boost your image by providing your Commercial Account Manager with any promotional materials about your business, such as brochures, ads, articles, press releases, etc.
5. Dress in a professional manner for the interview. This is a business transaction, so treat it as such.
6. Do not stretch the truth in your loan application. Broad, unsubstantiated statements should be avoided. The lender can easily check many of the facts on your application. If you cannot support statements with solid data, then don't make them.
The document provides guidance for startup founders on raising venture debt. It discusses when venture debt is appropriate, such as extending a company's cash runway or preventing a down round. Founders should avoid venture debt if they can't repay the loan or if the terms are too restrictive. Key terms to consider include loan size, duration, interest rate, and amortization schedule. Founders are advised to start with lower-cost bank loans before approaching venture debt funds and to delay drawing down funds to reduce costs. Consulting an experienced lawyer is also recommended when negotiating venture debt terms.
- A potential home buyer should get a mortgage pre-approval to know what financing is available and have an advantage over buyers who are not pre-approved.
- Programs exist for buyers putting down only 5% for a principal residence or those who are self-employed with at least 2 years of income documentation.
- A credit score is determined by factors like past payment history, credit utilization, credit history, types of credit used, and credit inquiries, and estimates the risk of a buyer failing to make payments.
Before you begin mapping your financial targets and goals for 2019, you must plan your budget. The right budget can help you prepare for taxes, identify seasonal peaks and lulls, explore growth opportunities, gauge your small business’s performance, and achieve your 2018 goals.
The IRS expects that more than 70% of taxpayers will receive a refund in 2017. 1 What you do with a tax refund is up to you, but here are some ideas that may make your refund twice as valuable.
How to Plan Your Yearly Small Business BudgetKabbage
Before you begin mapping your financial targets and goals for 2020, you must plan your budget. The right budget can help you prepare for taxes, identify seasonal peaks and lulls, explore growth opportunities, gauge your small business’s performance, and achieve your 2020 goals.
Financing a business involves determining capital needs and suitable sources of financing. The cost of capital depends on risk, with debt usually being cheapest and equity most expensive. The objective is to maximize low-cost debt and structure financing to match business needs. A budget and cash flow forecast are created to determine what debt levels can be supported and establish an optimal capital structure. Retained earnings have a lower cost than other equity sources since management controls the business.
The document discusses preparing for a business loan request. It covers assessing personal finances and understanding credit scores. The 5 C's of credit - character, capacity, capital, conditions and collateral - are important for lenders to evaluate creditworthiness. Both short term financing like lines of credit and long term financing like real estate loans are described. Choosing the right banking partner and maintaining a successful relationship is key to taking advantage of financing opportunities. Financial statements and tax returns are typically required for a loan review.
Financial management and planning are important skills for property investors to have. The document provides several tips for property investors, including consolidating personal debt, using multiple lenders to increase borrowing ability and get the best deals, having a detailed business plan and strategy, regularly reviewing property values and security levels with lenders, maintaining a line of credit for cash flow protection, and considering interest-only vs principal-and-interest loan structures.
Financial management is an important skill for budgeting and keeping afloat in this commission-driven profession—especially.Here are finance tips for property investing.
Fixed deposits allow investors to deposit money in a bank for a fixed duration and earn interest. FD terms can range from a few weeks to over 5 years. Interest rates vary depending on deposit amount and term. To open an FD, one needs valid ID/address proofs and can deposit cash or transfer funds from their bank account. FD offers higher interest than savings accounts with lower risk than stocks. However, funds cannot be withdrawn before maturity and interest rates may not keep pace with inflation. Premature withdrawals are allowed but penalized with lower interest rates. FD interest is taxed according to the deposit holder's tax bracket. Senior citizens and those with lump sums are common FD investors.
This document provides information on portfolio planning and investment options for retirement accounts using income drawdown. It discusses key considerations like the client's attitude to risk, investment objectives, and income requirements. It also describes various investment tools and options available on the Retirement Account platform, including portfolio funds, solution funds, and the Portfolio Trading Service which allows investing in multiple investment portfolios. Risks of income drawdown like investment risk and how market performance can affect future annuity income are also summarized.
This program provides business owners with funding options including unsecured business credit lines ranging from $50,000 to $250,000 and business credit cards. Fees are 8% of the first $150,000 and 7% of amounts over $150,000 of approved funding. Interest rates are prime plus 2-6%. To qualify, businesses must have $350,000 annual revenue, be in business for 2+ years, and owners must have at least 20% stake, 600+ credit score, and no bankruptcies in the last 5 years. This program aims to help businesses access working capital through competitive credit lines and cards while building business credit history.
Cornerstone Wealth Management's July 2017 "Investment Insights" newsletter, focusing on the Dept. of Labor's Fiduciary Rule, which should reduce conflicts of interest and protect the interests of all investors.
Finance for Small Businesses - Finding the Right Balance of Debt and EquityChip Hackley
According to Chip Hackley, The most time-consuming task for a business owner is often financing a small company. It might be the most significant factor in a company's growth, but one must be careful not to let it take over the company.
This document from www.loanXpress.com discusses the advantages and disadvantages of debt financing for businesses. It outlines several advantages such as proper utilization of resources, tax advantages, and fixed interest payments. However, it also notes disadvantages like the risk of insolvency, severe penalties for missed payments, and difficulty obtaining alternative financing. The document provides this information over 8 pages and concludes with factors to consider when deciding between debt and other financing options.
The document discusses financing options for small businesses, including equity financing from owners and private investors, as well as debt financing through loans. It recommends financing a business from a position of strength by investing 10% of funding needs from personal funds and obtaining the remaining 20-30% from equity investors. This equity stake protects majority ownership while providing leverage for the remaining 60% that can come from long-term debt, working capital loans, equipment loans, and inventory financing. It emphasizes having a customized financing mix tailored to a company's needs, as well as a strong cash position and financial plan to attract lenders and manage cash flow.
Comprehensive Guide to Balcony Waterproofing Repairs
Addressing Leaking Balconies, Roofs, and Rooftop Terraces
Leaking balconies, roofs, and rooftop terraces can cause catastrophic damage to structures below. Water leaks may cause not only aesthetic and superficial damage but can also compromise the structural integrity of the building envelope. If a failed waterproofing membrane is the cause, re-grouting or surface sealing is merely a temporary fix. Such band-aid methods will eventually fail, causing cracks in tiles, grout, and membranes as the balcony moves.
In many cases, failed membranes require a complete strip-off, structural repairs if needed, reinstallation of waterproofing, and a new finish surface. Key considerations in this process include the strength of the subfloor and screed, presence of substrate dips and hollows, correct balcony slope and fall, window and door frame installation, door threshold sealing, adequate drainage, and the potential for underlying pipe leaks. Existing tiling and expansion joints should also be assessed to determine their role in the balcony failure.
Waterproofing Preparation
Proper preparation is critical for any waterproofing membrane installation. The substrate must be clean, free of dirt and other contaminants. This involves vacuum cleaning and/or diamond grinding to ensure a smooth, dry, and debris-free surface. In some cases, washing the substrate may be necessary.
Waterproofing Detailing
Before installing a waterproofing system, construction features that interrupt the membrane layer must be adequately protected and sealed. This includes:
Perimeter Upturns: Attachment points for railings and balustrades, joints between horizontal and vertical surfaces, and structural and expansion joints. Sealant should be applied 15mm wide to all junctions, reinforced with polyester or fiberglass mat to a DFT of 1.2mm, 100mm above finished floor height, or 25mm above the water line. The membrane system should be installed 200mm onto balcony floor areas.
Door/Window Step Downs: Similar to perimeter upturns, apply sealant 15mm wide to all junctions, reinforced with fiberglass mat to a DFT of 1.2mm, ensuring the membrane system is installed 200mm onto balcony areas.
Drains & Floor Waste Details: All floor wastes should have a recessed leak control flange installed, primed with appropriate primer, and the membrane system installed as per specifications.
Waterproofing Installation: Australian Standards
The installation of a Class 2/3 waterproof membrane system to external concrete must comply with AS 4654.2. Key considerations for installation include:
Installation Conditions: Avoid installation in extreme temperatures (below 10°C or above 35°C) to prevent accelerated or decelerated cure times.
Type of Membrane: Use a flexible waterproofing membrane capable of withstanding normal cyclic fluctuations and ponding water.
Material Testing Lab Services in Dubai.pptxsandeepmetsuae
Dubai is home to numerous advanced material testing labs, offering state-of-the-art facilities for a wide range of industries. These labs provide critical services such as mechanical testing, chemical analysis, and non-destructive testing, ensuring the quality and durability of materials used in construction, aerospace, and manufacturing.
CRH is committed to sustainability through its integrated approach to environmental, social, and governance practices. As a leading building materials company, CRH focuses on minimizing its environmental footprint, promoting social responsibility, and ensuring robust governance.
Visit Us : - https://www.crhrural.com/
The 5 Most Important Pipefitter Tools.pdfSchulteSupply
Equip yourself with the essential tools every pipefitter needs to tackle any job with confidence. "The 5 Most Important Pipefitter Tools" explores the must-have instruments that form the backbone of a pipefitter's toolkit. From pipe wrenches and tube cutters to threading machines and alignment clamps, this guide provides an in-depth look at the key tools that ensure precision and efficiency in every project. Learn about the functions, features, and benefits of each tool, along with expert tips on how to use them effectively.Whether you're a seasoned professional or an aspiring pipefitter, understanding these fundamental tools is crucial for success in the field. Discover how investing in the right equipment can enhance your craftsmanship and productivity in pipefitting tasks.
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Waterproofing Changes in Victoria
The Building Act 1993 remains, but the Building Regulation 2006 will be replaced by the Building Regulations 2017, expected to be legislated around September. Key changes affecting the waterproofing industry include Part 13, which mandates inspection prior to covering a waterproofing membrane in any wet area.
The regulations remain consistent in other areas affecting waterproofing, such as the adoption of the NCC and relevant Australian Standards, methods of assessment of compliance, material testing, and compliance certificates.
The VBA confirms that only a registered Building Practitioner can authorize compliance of waterproofing works. Subcontractors who are not registered cannot authorize compliance. Although they can state that they have complied with the relevant standards, liability lies primarily with the registered builder, now shared with the Building Inspector or Surveyor for wet areas.
QBCC Tradie Tours
Waterproofing is consistently one of the most common defects reported to the QBCC, with mistakes being costly. In June 2017, the QBCC presented ten waterproofing seminars throughout Queensland, dedicated to waterproofing and tiling issues with a focus on preventing waterproofing defects. Approximately 1000 builders, waterproofers, certifiers, and tilers attended these seminars.
Bayset’s Training & Quality Manager, Frank Moebus, provided in-depth information about avoiding installation problems. The Tradie Tour received positive feedback from the industry.
Project Reference: Botanicca Corporate Park
Overview:
Property Type: Commercial
Project Type: Restoration
Scope: Leaking roof joints affecting company suites
Applicator: Australian Waterproofing Company Pty Ltd
Area: 1150m²
Category: Waterproofing
Products Used:
Soprema Soprasun 3.0S
Soprema Sopradhere Primer
Soprema Alsan Flashing
Soprema Roof Vents
Project Details:
Botanicca Corporate Park experienced leaks in the roof joints that affected various company suites and balconies. The building, constructed in 2006, required a watertight roof to ensure its longevity. A 20-year warranty was provided, and the Soprema Torch On system was applied to achieve a high-quality waterproofing result, both aesthetically and functionally.
Gary Moody, project manager, described the project as challenging but rewarding due to the successful outcome achieved by the experienced applicator.
Importance of Waterproofing Standards and Compliance
Legislative Changes and Their Impact
The introduction of the Building Regulations 2017 brings significant changes to the waterproofing industry, particularly regarding inspection and compliance requirements. For the first time, building inspectors or surveyors must inspect waterproofing membranes before they are covered in any wet areas. This change emphasizes the importance of thorough inspections to prevent defects and ensure high-quality waterproofing.
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Thanks to the Pakistan Telecommunication Authority’s (PTA) online verification facilities, obtaining SIM owner information has become much easier. Here’s how to find the CNIC and SIM owner details by number:
Compose an SMS to 667: Open a new message on your SIM card and write “MNP”.
Send the SMS: Send this message to the shortcode 667.
Receive Information: Wait for a reply. A message containing the name of the SIM owner associated with the specific SIM number will be sent to you.
Additionally, you can visit or call your network service provider’s local customer care center to confirm the SIM registration status and owner’s name. This simplified procedure eliminates the need for extensive documentation and offers a convenient way to obtain necessary SIM details in Pakistan.
Check SIM Owner Details With Name Online
In Pakistan, there are various Android apps and software solutions available to check the SIM owner’s name by mobile number online. However, it is important to note that most of these apps have not been approved by the Pakistan Telecommunication Authority (PTA), and their use is not recommended. If you choose to use these apps, proceed with caution. Remember, the current law only permits the registration of five SIMs under one identity.
Always verify the validity of any software or tool you decide to use, as unauthorized access to SIM owner credentials may have legal consequences.
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To check Jazz SIM owner name and details online, follow these steps:
Open the Messaging App: On your mobile phone, open the messaging app.
Create a New Message: Type “667” in the recipient field.
Write the Message: Type “MNP” in the message body.
Send the Message: Send the message using your Jazz SIM.
Wait for a Response: You will receive a message containing the SIM owner’s name and CNIC number associated with the Jazz SIM you are using.
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Codes can change at any time. Check the Jazz website if the code above has an error.
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The construction industry is undergoing significant changes, particularly in waterproofing. Poor practices have caught the attention of regulators, and changes are coming soon. AIW will keep members informed about these developments. We aim to eliminate subpar contractors who compromise the industry with inadequate work.
Everyone makes mistakes occasionally, but persistent issues arise from those who consistently cut corners, using insufficient materials in unsafe conditions. These practices must end.
Summer Waterproofing Challenges
As summer approaches, common questions arise regarding membrane application in hot or humid conditions:
Is it too hot or humid to apply a membrane?
Will blistering occur?
How to address blistering if it happens?
Should a warranty be issued for such membranes?
Applying membranes in inappropriate conditions often leads to failures. It’s crucial to consider the long-term repercussions of these decisions. Consult your membrane supplier for guidance and ensure you ask the right questions. Industry peers are often willing to help.
Project Reference: QLD Public Hospital
Overview
Property Type: QLD Public Hospital
Contractor/Applicator: Waterstop Solutions
Testing: International Leak Detection Australia (ILD)
Category: Membrane Renewal
Products Used: A specialized bitumen-modified highly flexible waterproofing membrane installed in multiple layers over a moisture barrier primer system.
Project Details: The project involved renewing the waterproofing membrane on two leaking concrete tanks, critical for the hospital’s fire sprinkling system. Challenges included identifying all leaks and adhering to noise and downtime restrictions. The solution involved thorough surface preparation and the use of a compatible, highly flexible membrane, ensuring long-term effectiveness and compliance with Australian Standards.
AIW at Bayset Construction Trade Day
On August 24, 2018, AIW attended the Bayset Construction Trade Day at Coopers Plains Branch. The event was a great opportunity to connect with members and non-members, resulting in increased interest and new sign-ups. The day featured informative sessions, industry support, and excellent networking opportunities.
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2. The rewards of peer-to-peer investing
Speculator enthusiasm for distributed loaning has become consistently finished the
most recent couple of years in light of the zero financing cost condition, in which it's
extremely hard to acquire enthusiasm on settled pay resources for much else besides
percent for every year.
P2p lending platform in Mumbai gives a high return elective, and also different
points of interest.
3. High rates of return
Many distributed financial specialists report yearly speculation returns of more
prominent than 10 percent. That is not really shocking—ordinary advance rates
by the stages go between 6 percent and 36 percent.
An arrangement of mixed credit evaluations can without much of a stretch win
twofold digit returns, notwithstanding when you subtract the 1 percent
charge and a sensible remittance for advance defaults.
Build your own portfolio
On P2p lending companies in Mumbai you have more control over the particular
speculations than you do with most other venture vehicles. You can choose notes in
light of specific criteria, including advance write, advance term, FICO rating extent,
obligation to-wage proportion. Along these lines, you can control the factors
encompassing your individual ventures.
4. You can set up an IRA on some P2P platform
Notwithstanding keeping up a consistent speculation account, you can likewise set
an IRA, Roth IRA, or a rollover 401(k) account. That implies that you can include the
higher returns of distributed contributing to the settled pay part of your retirement
portfolio.
You don’t have to fund entire loans
This returns to putting resources into notes as opposed to entire credits. Since notes
can be bought for just $25, a $5,000 venture can be spread crosswise over 200
advances, empowering you to differentiate with a little measure of cash.
5. The best way to balance rewards and risks
There are unequivocal strategies to effectively putting resources into peer to peer
lending Mumbai. The essential thought is to boost returns, while limiting dangers.
Here are a portion of the nuts and bolts toward that path.
Diversify
We addressed this before, however it merits reemphasizing. Since notes are just $25,
you ought to be completely arranged to put resources into several them. This will
the misfortune to any one position in your portfolio.
6. Spread out your investment returns
Credit evaluating implies that the best quality advances will have the most minimal
loan fees. However, in the event that you just put resources into the best grade
advances, your wage potential will be constrained to under 5 percent for every year.
blending in positions in bring down review advances, you can expand those profits
twofold digits.
Limit your investment
Due to the potential for borrower defaults, especially in a general monetary
you should confine your aggregate distributed speculation to a little level of your
venture portfolio. For instance, in the event that you regularly keep 25 percent of
portfolio in settled salary speculations, you might need to put a level of that into
distributed ventures as a method for expanding the general profit for that
without significantly expanding the drawback hazard
7. Always reinvest loan payments
Since distributed ventures are self-amortizing, you should be tenacious about
continually reinvesting the credit installments that you get. On the off chance that
don't, your profits will decrease as the credits pay down.
The thought is dependably to remain completely contributed by frequently acquiring
new notes.
On the off chance that you consider shared contributing for the most part as a
movement to build the settled pay bit of your portfolio, it should serve your
contributing needs well.
Yet, similar to all other hazard speculations, it ought to never be viewed as an all-
climate venture that rules your portfolio.
8. Summary
P2p lending Mumbai allows financial specialists to gain aggressive yearly returns
by putting resources into unsecured individual advances to different customers
through systems including Prosper and LendingClub.
Some shared financial specialists can gain twofold digit returns, yet there are
huge dangers, mostly:
Ventures are not fluid (you should sit tight for the borrower to reimburse the
credit before the majority of your foremost is returned).
A future financial subsidence could prompt far reaching advance defaults
prompting reduced returns and additionally lost foremost.