Exam Help Please!!!!!!!!
ok value of computer equipment deprecate rapidly. a solution to this is leasing the computers are there any other options apart from buying the computers
What about renting a computer? Some may consider it leasing but it can be different. Good Luck
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MIDDLEBOROUGH, MASSACHUSETTS…
Despite all the doom and gloom talk surrounding economy, bailouts, foreclosures, soft real estate markets and the like, attaining a line of credit is still a viable option. According to Itamar Chalif, president of Atlantic Capital Solutions (ACS), the âscoreâ on getting a line of credit for your business still may come down to one thing: your credit score.
âWe work with businesses large and small in helping them secure Financing needed to grow their business such as working capital, capital improvement and more. The one thing weâve noticed over the last several months is that while itâs true banks may be hesitant to issue mortgages and want 10 to 20 percent down payment, unsecured lines of credit up to $100,000 are still readily available if you have been in business more than two years and have a good business and personal credit score.â
To that end, Atlantic Capital Solutions recommends several ways to improve your credit scores, including:
Paying your bills on time â being late as much as one time on a bill can have a negative effect on your credit score. If your overall credit situation is marginal than one bill being 31 days past due may break the deal.
Limiting your revolving lines of credit; lenders like to see you have the discipline not to extend your credit lines, that you âdo not need the moneyâ so to speak. Remember lenders like to lend money to people who know how to use it, but do not need it.
Bringing the balance on your credit cards to 50 percent of the credit line or less. Having one credit card with a $10,000 limit and $9,000 balance will impact your credit score far more than three credit cards with a total credit limit of $30,000 and a balance of $5,000 on each.
Keeping lines of credit separate from your partner or spouse - whether itâs financing a car, obtaining a credit card or conducting any transaction that involves borrowing money; if possible do not sign jointly on the account.
Owning a home â to lenders, home ownership represents stability from a character standpoint and from a practical standpoint. People who rent a home do not have an anchor to hold them in one place if things go wrong. People with a home typically will fight harder to make things right and it is much harder to pick up and leave when you have to sell a home. From a character standpoint, it shows you are invested, figuratively and literally, in the place where you live.
Adds Chalif, âWhile planning and credit scores play a major role in obtaining lines of credit, so does the key component of any transactionâthe lender. Many small business owners get locked into the mindset that their bank is the only place they can turn to for a line of credit. So, if their bank turns them down, they stop trying. Or worse, use their retirement savings or equity in their home to fund capital improvements for their business. In times like this, thatâs a recipe for disaster.â
ACS offers small businesses a number of solutions to getting financing, including:
New and used equipment leasing/financing
Small Business Administration (SBA) options
Non SBA solutions for start-up businesses
Commercial mortgages
Terminal Rental Adjustment Clause (TRAC) leases
Lines of credit
Working capital loans
Business acquisitions
Factoring (accounts receivable funding)
Offering professional, one-on-one service, ACS helps small businesses sift through the fine print that goes along with many financing options so that the best interest of the business owner is protected.
Based in Middleboro, Massachusetts, ACS works with clients locally and nationally, including:
Business owners, controllers, CFOs and other decision-makers.
Entrepreneurs contemplating the purchase of a business, franchise or start-up.
Equipment vendors
For more information about Atlantic Capital Solutions, Inc. and its range of services, you can visit http://www.AtlanticCapitalSolutions.com or call 508-718-5520 to set up a complimentary initial consultation.
About Atlantic Capital Solutions
Atlantic Capital Solutions has helped business owners, entrepreneurs, CFOs and other decision-makers find the right financing option for their organization. ACS works with a broad spectrum of lenders and institutions and is therefore able to offer a variety of customized programs for its clients, including: new and used equipment leasing/financing; commercial mortgages; Terminal Rental Adjustment Clause (TRAC) leases; lines of credit; working capital loans; business acquisitions; and more. For more information about Atlantic Capital Solutions and its range of services, you can visit http://www.AtlanticCapitalSolutions.com or call 508-718-5520 to set up a complimentary initial consultation.
Joe D’eramo
http://www.articlesbase.com/finance-articles/score-what-business-owners-need-to-know-about-obtaining-financing-in-tough-times-707640.html
Computer manufacturers are feeling enormous pressure to present cutting edge products to the public. Even when the latest and greatest hits the shelves (preferably before competing products), new problems can present themselves. One of the biggest issues in terms of asset returns management is regarding the placement of older technology. Sharing shelf space with newer models is not typically considered an ideal situation. This means that, as technological advances are introduced to the market, manufacturers are then stuck with older technology, discontinued products and outdated accessories. In an effort to solve the problem that short IT product lifecycles present, many major manufacturers are actively taking part in growing and shaping a secondary market with partner programs.
There are partner programs in place within the computer technology and equipment industry, designed to offset the increasingly short lifecycle of products. When computer equipment manufacturers initiate partner programs with qualified resellers, the lifecycles of manufacturer products can be extended by as much as triple the length of its original lifecycle within the primary market. This has serious positive impact for those in charge of asset returns management for their business. In other words, the end user is not the only party that will be positively impacted by the implementation of partner programs. Manufacturers, leasing or financing companies, computer distributers, system integrators, and most any organization within the private and public sector can realize a better rate of return on technology investments through partner programs.
Reselling partners within the computer secondary market obtain a vast array of technology from various sources. Among their purchases are surplus or overstocked goods, discontinued computer equipment, off-lease items, refurbished technology, and customer returns. All of these items are undesirable and unpractical for manufacturers to keep on their shelves, but they still see the value in keeping the items on the market. That is why computer technology manufactures will initiate partner programs with certain reputable global resellers.
If your organization is like most others, you are facing the challenges of asset returns management, the short lifecycle and subsequent termination of assets. As such, you are likely considering instigating or becoming a part of one or several technology partnership programs. As manufacturer participating in partner programs you can expect to achieve a longer lifecycle for otherwise obsolete computer products without compromising the consumer’s interest in your new product introduction plans. As an added bonus, your organizations will be able to retain positive business relationships and feelings with existing clients have made significant investments in your technology and products and who are not ready to invest in an entirely new technology simply because they are in need of a few upgrades, accessories or additional computer.
Initiating partner programs with resellers will help better handle asset returns management will assist in meeting and surpassing inventory objectives as well as achieve market value for older or surplus technology and equipment. Resellers will generally take control of unwanted inventory quickly and efficiently and assist you in providing an ongoing supply and support to consumers through a diverse range of channels and connections. In doing so, resellers will ensure that you will be able to bring out new technology without liquidating older products, affecting brand integrity, or compromising the introduction of your new products.
Partnership programs do not only assist manufacturers with asset returns management, they will benefit end users as well. It truly is a win-win situation for everyone involved.
Jane Fields
http://www.articlesbase.com/computers-articles/partner-programs-for-better-returns-on-technology-management-702071.html
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January 22, 2010