Financing your next boat is a very important process, as you want to choose a finance package most suitable to you. There can be many things to check including
Boat loan interest rate
Fees and charges
Break fees if you paid it out earlier
Can you pay extra payments
Time it will take to approve and settle your boat loan
Does the boat finance company suit your criteria to approve the finance
You can have unsecured or which can affect the cost of your loan.
It can be a requirement of the boat finance company to have fully comprehensive insurance on your boat before purchase and while you pay off your boat loan.
Finance companies can assist to ensure you have a hassle free boat purchase and help with
Encumbrance checks to ensure that there are not any outstanding loans from the prior owner left against the boat.
Title check or confirming the ownership of the boat you are purchasing.
Clear transfer to seller of the amount financed on the boat purchase. .
Boat loans, subject to the finance companys approval can be financed to the full cost of the purchase including
On-road costs and taxes.
Marine breakdown warranties
Loan protection for death, disability and unemployment.
Older boats can be ok. Boat finance can apply for all ages new and used depending on the boat loan lender.
Finance structures can be flexible to suit your circumstance. Options to consider on your boat loan could be
Delayed payment boat loans so you first payment starts at a extended time into your finance contract
Interest only payment options including balloon payments.
Extended finance terms
Structured boat finance payments to suit your life style or your work cash flow
Construction boat loans
There are many marine finance options available for imported boats.
Commercial boat finance options are available that could be suitable for business use. Some factors to consider that relate to business car financing are:
Chattel mortgage boat finance
The structure of your business car finance can affect your taxation claim.
Dealing through a reputable boat loan broker can give you a choice of boat finance lenders. It is important to know that you may get boat loan interest rates and loan fees and charges cheaper than banks.
Bank of the Philippine Islands (BPI) is one of the most established banks in the Philippines. Recently, it was awarded by Finance Asia, a prestigious finance publication and magazine in Asia and the Pacific as the best cash management bank in the Philippines. Finance Asia also recognized BPI as the best trade finance bank in the country.
BPI has two subsidiary banks – BPI Family Savings Bank and BPI Direct. BPI Bank deals primarily on corporate accounts like salary account of employees. BPI Family Savings Bank is focused on individual savings accounts or for individual person who may not be an employee. While BPI Direct serves primarily on mobile, telephone and online banking.
In opening a BPI bank account, you can adhere to procedures given below and ready all requirements before going to the bank. It will be fast and easy to open a new bank account when you bring all the needed requirements so do not forget to bring it all.
1. Make sure you have all the requirements for opening a new bank account like two valid ID, billing statements, two 1×1 photo ID, and money for initial deposit.
2. Select the branch you want to open a new account. Choose the branch near your work or house so that it will be very easy and convenient for you to go whenever problem arises regarding your bank account.
3. Upon entering the bank, proceed to New Account Desk. Tell the bank officer you want to open a savings account and then fill-up all forms that will be given to you.
4. Pass all the requirements, application forms and initial deposit for your new bank account. This is the minimum initial deposit for BPI, P3,000 and P10,000 for ATM and passbook account.
5. Get your passbook or ATM card which will be normally available after 4-5 banking days. When you get your ATM card, you can activate it at ATM machines.
When opening a new bank account, prepare first all requirements and ready the money for initial deposit for your new bank account. BPI is one of the best choice in applying for a new bank account. It has numerous branches around the country so it will not be a problem which branch to select.
The first Subway franchise was born in 1974 even though founder Fred DeLuca opened his first store 9 years earlier. Today there are currently over 29,000 Subway franchises spanning the globe in over 85 countries. Entrepreneur magazine has ranked Subway the number one franchise 13 out of the last 17 years, so its a rock-solid franchise.
Even with its amazing popularity and tremendous track record, the real question is deciding whether or not owning a Subway franchise is the right choice for you and your family. There’s a ton of things you should consider when making this big of a choice, so let’s identify what the positives and negatives are.
First of all, the total cost of entry and the total investment to get started ranges anywhere from $101,000 to $285,000. The reason for the big discrepancy depends on whether you’re buying an existing franchise or you’re having to build one or start one from the ground up. Other costs may include remodeling, leasing equipment, inventory, etc. Typically, the down payment that’s required must come from your personal liquid assets and can NOT be borrowed or come from a loan. That fact right there might eliminate some potential franchise owners.
Every Subway franchise pays a royalty fee to the company, specifically 8% of their overall gross sales. This is very important to understand because losing 8% right off the top before you pay for any rent, equipment, inventory, marketing, employees, etc can make a difference in whether or not you’re profitable. On the other hand, in exchange for the royalties the franchisee’s are rewarded with a strong brand recognition and national advertising campaigns.
As far as sales are concerned, 2800 sandwiches and salads are sold every 60 seconds. This provides a pretty constant flow of customers and expected sales. Potential franchise owners feel comfortable with this knowing that their stores most likely will not be empty. Besides, people have to eat somewhere, right?
On the flip side, you are at the mercy of your store location when owning a Subway franchise. No matter if you are open 24 hours, a location can only serve so many customers and can only make so much money. Obviously the product can not be sold online or in other areas, so actually getting traffic to the store is the only way to make sales. In this regard, the Subway franchise is NOT scalable. An entrepreneur would probably have to own multiple locations to really generate the kind of income they would be looking for in owning a franchise.
Furthermore, to buy a franchise, you must have good credit, have considerable net worth and you have to be approved by the company. Once again, this could potentially eliminate more prospective franchise buyers. In the end, owning a Subway franchise is a solid way to have a great chance of success but keep in mind that to really make it big, you’ll probably have to own about 10 or more.
Bank foreclosed homes are often offered at almost half their original market value. The longer they have been in the market, the more chances a buyer will have of negotiating for a low purchase price. However, these homes also often come with repair needs that can reach up to tens of thousands of dollars.
Impact of Home Condition on Price
Buyers should not expect banks and bank agents to tell them the extent of repairs required by the house, so it is their responsibility to find out how far the dwelling has deteriorated and to identify the areas that need adjustments. The more they know about the extent of repairs needed, the better they will be able to negotiate for an appropriate price.
People who have skills in home repairs would have an advantage since they can work on fixes themselves and would not need to hire someone else to do the work. That would be additional savings for them.
What Could Bring Costs Up
There are certain areas of bank foreclosed homes that would cost more to repair than other aspects. One of the most expensive repair jobs is home foundation. If the foundation of a dwelling has deteriorated to a point that it needs to be totally replaced, then buyers should not bother. This means that practically the whole house would have to be torn down to shore up the foundations. No matter how cheap the purchase price is, the cost of replacing foundations would not be worth the money and the trouble.
Plumbing, electrical and sewer systems that need to be replaced can also eat into the budget. If these systems require total overhaul, buyers should look somewhere else. HVAC and central airing systems are also expensive projects that might cost as much as half of the total purchase of the house. Roofs that need to be totally stripped will also entail costs that can reach up to tens of thousands.
When viewing bank foreclosed homes, a buyer should have a professional house inspector at hand. They might think that they are getting a bargain, but there are things, particularly inside the house, that might require excessive expenses that buyers can hardly afford.
Starting a small business online
How to take the first steps to starting a small business online. Today you can easily access anything from online shopping to job information online with just a click of your mouse.
If you already have an idea of the kind of business you plan to start you can begin by researching on the internet to see if this is something people are really searching to buy. You need to establish there is a demand for your idea. If not, however good you think it is, it is not likely to be successful.
If you are not sure exactly what your business will be you can browse the internet to find ideas. You can also visit your local bookstore and look for books and magazines on topics of interest to you. Again you should make sure there is a large group of people, or market, for this product or service.
By browsing the internet and clicking on a few sites of interest to you, it is easy to start an avalanche of information flowing into your email inbox. If you are venturing online for the first time and you have no previous experience it is very easy to feel overwhelmed very quickly. Most people seem to experience what is now referred to as “information overload” at some time.
One way round this problem is to look for an online marketing offer which will help starting a small business online a little easier. There are many online marketers offering a solution to your problem but how can you choose a good fit for you? Beginners in the online business field are often referred to as “newbies” so this is a good place to start.
You should look for an offer that concentrates on the basics for any online business rather than the latest trend at this time. If you can find a course that will take you step by step from the creation of your website, setting up your offer and getting visitors to your website this will reduce the time it takes. Why start from scratch when there are plenty of proven systems that work already.
I highly recommend you stick to one method to start with.
Enjoy the 5 minute video
Now in this new era every individual has a scope of starting a new trade for extra earning. Not every person can be eligible as you need a good cash flow to run any trade. Business startup loans is good solution to start your own new business without any hesitation. This facility is meant for industrialists who need simple and fast funds to start their business.
The applicant can avail this facility is he/she wants to on a large scale, then long term advance would suite the most. They are those finances which prove to be useful for the purpose of opening a new industry or company. This scheme is really beneficial for people who are not able to arrange funds for the opening of a new company or industry.
These advances are categorized into the secured and unsecured form.If the applicant wants to apply for a secured from of credit they will have to place security against the loan sum taken. Thus, they will carry a reasonably lower rate of interest as the lenders risk is protected. In case of the failure of the payment by the applicant lender will recognize the security and pick up the amount of the funds.
The unsecured category does not stipulate any security. Therefore, it carries a moderately higher rate of interest as the lenders risk in dealing with you is extra. However, the applicant does not have to worry about losing their possessions as they do not place any security in this form of recognition.
In the normal procedure, the submission process is very simple and fast. The candidate needs to fill a relevance form giving all the essential details. The applicant must ensure that the information they propose is right. A single form is to be filled. Once the appeal form is established and approved, the lender will transfer the funds into your pay account.
John Michel is a distinguished author who has lended his expertise to a vast range of products and services centered around Business and Commercial loans.For more information related to Business startup loans,loans for business start up, small business start up loans please visit
In India, Banking sector has always been viewed as the safest sector from the viewpoint of stability and pay. And why not! With more than 29 foreign banks, 28 nationalized banks and approximately 24 private banks, the scope of Banking Jobs is significantly on the rise in India. Today, there are more than 53,000 branches of Banks in India providing countless job opportunities to graduates and post-graduates.
What’s So Interesting About Banking Jobs In India?
Post liberalization, the class banking transformed into mass banking in India. It gave momentum to the expansion of banks in India. This attracted not only those with their relatives employed in banks but scores of others. What lured people the most and still continues to attract many fresh graduates and post graduates is the less stressful working hours in addition to the amazing pay package. Like any other sector, there are various divisions in banking sector as well. These divisions are generally categorized on two levels – officer level and clerical level. While the officer level work is regarding the banking dealings with customers, managing their portfolios and other similar tasks; the clerical level work is all about managing the front office responsibilities, checking the notes and coins, etc. Talking about the pay scale, you can start off your career in any reputed bank with a pay package anywhere between INR 15,000 and INR 30,000 per month.
The Banks Where You Can Apply To Work With:
Institute of Banking Personnel Selection (IBPS) is an autonomous body that is authorized by Indian Banks’ Association (IBA). It has received authorization from 19 Public Sector Banks and conducts the Common Written Examination (CWE) for the posts of Probationary Officer (PO) or Management Trainee. The CWE is organized twice a year by the IBPS for the afore-mentioned posts in public sector banks; namely:
Bank of Baroda
Bank of India
Bank of Maharashtra
Central Bank of India
Indian Overseas Bank
Oriental Bank of Commerce
Punjab National Bank
Punjab & Sind Bank
Union Bank of India
United Bank of India
The criteria to apply for the post of PO require you to have completed the graduation with good marks from a well-recognized university. Also, the graduate should be aged between 21 to 30 years.