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Archive for December, 2009

Car Finance Loan: When You Can’t Just Wait to Buy a Car

Wed ,16/12/2009

Question about finance

What is the difference between economics, finance and marketing majors?
I'm deciding whether I should major in economics, finance, or marketing when I go to college next year. What is the difference between them? What kind of jobs will I be able to get for each of the three majors? Please help.

Car Finance Loan: When You Can't Just Wait to Buy a Car

Sure, you will be kicking a few tires but that will only be half of the battle. Know your limitations even before looking for that new car. If you would be paying for all car-related expenses, don’t forget to spend no more than 10% of your total earnings.

When negotiating for the price of your car, decide first on a price range and how much your down payment will be. Should you choose a long arrangement under a (more…)

Diagnostic Equipment Financing

Wed ,16/12/2009

Question about finance

How does the finance person from the dealership I bought my car make his money?
Here is the deal. I kind of got taken from a shady Persian gentlemen who did the financing for me at my local Honda dealership. So he got me for a higher interest rate, lied to me so I would purchase stuff like extended warranty and gap insurance. My question is this: Based on my original loan the total loan amount of my interest would have been like $12,000 spread out over six years. But I went ahead and paid a large portion of that down and refinanced with a third party – therefore reducing the total interest to something like
$3500 over four years. So here is my question. Does this dishonest finance guy at the dealership get a cut of the original $12,000 and get his money up front? Or will he only get a cut of the total amount of interest I paid on the original loan which was about $1300? I want to know if by refinancing through some other lender if I took money away from him that he was expecting would come to him based on the terms of the original loan?

Diagnostic Equipment Financing

Modern automobile industry relies mainly on sophisticated diagnostic equipment. The computer diagnostic systems help in many of the repair functions. There are a number of diagnostic equipments in the market help in compiling a detailed report of vehicles including areas that call for repair. These sophisticated diagnostic equipments are quite high priced.

Again, constant changes in computer technology also c (more…)

Finance, Credit, Investments-modern Interpretation

Wed ,16/12/2009

Question about finance

How do we offer finance to our customers?
We are a young business designing and building garden rooms. We lose customers who love our buildings because we don't provide finance. I've googled, but companies offering us finance come up. Is there anyone out there who had done this recently for their business, or are you a company which provides this service.
Many thanks for helpful replies.

Finance, Credit, Investments-modern Interpretation

Finance, Credit, Investments – Economical Categories. Modern Interpretation

 

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled.

The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. (more…)

A Guide to Bad Credit Finance Options

Tue ,15/12/2009

Question about finance

Where to find free start-up finance spreadsheet to show potential investor eg 3yr revenue projection, etc?
I co-founded a start-up. Business plan is in the work. I still need to work on the financial section. I know I should have a CFO work on it. But I don't have $$ to pay/hire a CFO. So I get to wear the finance hat too among other roles. Do you know of free finance spreadsheet templates I could download to use? Need to finish biz plan to show potential investors. Can't show current biz plan as is without figures. Biz plan doesn't mean anything to investors without 3 year financial planning such as revenue projection, dev't cost projection, marketing budget projection, potential # of people for hire, other related finance figures of interest to potential investor. Tks for your help in advance!

A Guide to Bad Credit Finance Options

You shouldn’t worry too much about bad credit finance options, because there are several financing options available regardless of your credit history… some of them charge higher interest rates or require some additional security, but in the end may be just what you’re looking for.

Vehicle financing

If you’re looking for a bad credit finance for a new or used vehicle, your best option is most (more…)

Car Finance Places You on the Top Gear While Buying a Car

Sun ,13/12/2009

Question about finance

What is the difference between a finance and a balloon finance?
I'm planning on purchasing the all new mercedes benz glk 2010..and when i checked the pricing online the balloon finance is cheaper than the finance. i just want to know what the difference between the 2 deals are.

Car Finance Places You on the Top Gear While Buying a Car

Car financing has taken a new spin with regard to providing investment for buying a car. So, how do you finance a car? If this question leaves you baffled, then you have to go a long way in the process of buying a car. The term ‘financing’ in relation to buying a car connotes either rendering loan to buy the car or lease the car to you. You are probably concentrating on the former meaning. Many people are in favour of talki (more…)

A Fresh Start for Family Finances

Sun ,06/12/2009

Question about finance

What are the differences between marketing and finance?
I'm trying to decide between marketing or finance as my major, could someone shed some light on the pros and cons of each, and the major differences. I'm torn between the two and would like to know if there are things about each that I"m not thinking of.

A Fresh Start for Family Finances

It’s still not too late, however, to reset the trajectory on your family’s finances, experts note.

1. Build a Budget

If you haven’t already done so, create a realistic budget.

Approximately 85% of your income should be set aside for necessities like housing, food, health care and clothing, according to the professionals at VISA USA.

This leaves 15% for entertainme (more…)