Transcript: Third party involved (Financier-Bank) between lessor and lessee The lessor borrows part of the purchase cost of the asset from the third party (lender), the purchased asset is held as security against the loan The lessee will pay the rental directly to the bank and any surplus will be given to the lessor. A transaction in which the owner of the property (seller-lessee) sells the property to another at a higher price than its book value and simultaneously leases it back from the new owner. It can be classified as finance lease or operating lease depending on the following capitalization criteria; Transfer of ownership Bargain-Purchase Option Economic Life Recovery of Investment TYPES OF LEASING Leasing-A device of financing/money lending Disadvantages: Restrictions on use of equipment Loss residual value Consequences of default Domestic vs. International Lease A firm acquires the right to use an asset from the manufacturer directly. The ownership of the asset leased will remain with the manufacturer Characteristics of Leasing Finance Lease Operating Lease Sale and Leaseback Leverage Leasing Direct Leasing Domestic Lease and International Lease Operating Lease Advantages: Saving of capital Flexibility and convenience Planning cash flows Liquidity improvement DIRECT LEASING An agreement that gives the lessee a limited right to use the asset The lessor does not transfer the risks and rewards incidental to the ownership of the asset The lessor provides service(other than the financing of the purchase price) attached to the leased asset, such as maintenance, repair and technical advice. It does not give any option to purchase the asset at the end of lease period Example; computers Domestic Lease A lease transaction where all parties to the agreement, are domiciled in the same country International Lease If the parties to the lease transaction are domiciled in different countries Also known as capital lease or net lease An agreement where the lessor receives lease payments to cover its ownership cost The lessee is responsible for maintenance, insurance and taxes. A long-term lease and non-callable lease It has conditional sales or hire purchase agreements at the end of the lease period Advantages and Disadvantages of Leasing Leverage leasing A contract in which a specific asset/equipment required by the lessee is purchased by the lessor (financier) from a manufacturer/vendor selected by the lessee. The lessee has possession and use of the asset on payment of the specified rentals over a predetermined period of time. The real function of a lessor is not renting of asset but lending of funds/finance/credit . Also known as business loan Any type of loan made to a business or corporation and not to an individual Purpose- To provide either working capital or to finance major capital expenditure Tenure – Short-term in nature Security/Risk – Normally it is backed with some sort of collateral thus low in default risK Sale and leaseback LEASING INDUSTRIAL/COMMERCIAL LOAN INDUSTRIAL/COMMERCIAL LOAN Lease term Lease payments Delivery/Use of leased equipment and lease payment Points to be acknowledged during the lease term Option at the end of lease contract Conceptually A contractual arrangement/transaction in which a party owning an asset/equipment (lessor) provides the asset for use to another/transfers the right to use the equipment to the user (lessee) over a certain/for an agreed period of time for consideration in the form of /in return for periodic payment(rentals) with or without a further payment (premium). At the end of the period of contract (lease period), the asset/equipment reverts back to the lessor unless there is a provision for the renewal of contract. Finance Lease
Transcript: On the other hand, Obama bases his ads upon the audience of commoners, and mainly everyone. The National Republican Senatorial Committee is in charge of the video.He focuses mainly on common issues and how he in somehow achieved. The commercial favored Mitt Romney, His political party was responsible for the video.It targeted successful business people. YOU DESCIDE!!! Commercial Presentations
Transcript: Real Representation Families preparing to move Why So Appealing? Ethical Standards Target Group Families Effective? Makes Humor of Fear Memorable Portrayal of The Family Commercial Presentation Exploitation of Teenage Girls Unusual Elements Economical Solution By Monica Edelen
Transcript: Personal Qualities I'm a very out going person A very hard worker Can make the company better in the future Introduction My name is Malik Ellis. I am a 16 year old junior at North Little Rock High School. I'm honest A hard worker I communicate well Have a good sense of humor Why I Should Be Hired Educational Achievements Hobbies and Interests Job Skills Commercial Presentation Like playing basketball Enjoy swimming Reading a good book Watching football Career Goals I plan on attending the University of Arkansas in Conway to earn a Bachelor's Degree and become a Physical Therapist I'm organized Have good computer skills Able to use Microsoft word and Powerpoint Life is really simple, but we insist on making it complicated -Confucius Quotes Throughout life people will make you mad, disrespect you and treat you bad. Let God deal with the things they do, cause hate in your heart will consume you too. - Will Simth A and B honor roll student
Transcript: Factoring may not be of much use where companies or agents have one time sales with the customers. Factoring increase cost of finance and thus cost of running the business. Factoring may not be useful if the client has lowers cost of finance and credit (where goods are sold against advance payment) Installment is larger as the borrower needs to pay it within short-term period of time The borrower may unable to pay the loan during their hard time Bearing this risk, the lender will charge larger fees and penalties The actual payment will increase progressively for every month the loan is not paid. Relies heavily on the permanent financing become available.( is not the same case for an unattractive real property sold) Unable to pay the loan on time will lower his/her credit rating Advantages of Bridging loan COMMERCIAL/INDUSTRIAL LOAN Leasing Bridging Loan End-Financing Loan Factoring Industrial Hire-Purchase Act as an interim financing (Bridge the time you need money until you receive money) Short-term Used to finance the construction of real estate properties Financing is given by stages ADVANTAGES OF END-FINANCING FACTORING DO YOU KNOW WHAT IS FACTORING???? CONCLUSION Characteristics of Bridging Loan Disadvantages of Bridging Loan Factoring provides a large and quick boost to cash flow. It can be a cost-effective way of outsourcing your sales ledger while freeing up your time to manage the business. It assists smoother cash flow and financial planning. Factors can prove an excellent strategic - as well as financial - resource when planning business growth. Factors will credit check your customers and can help your business trade with better quality customers and improved debtor spread. ADVANTAGES OF FACTORING Your monthly repayments can be reduced by spreading them over a longer period of time If you decide to take out a secured loan rather than remortgage you can avoid the potential problem of losing any special rates currently enjoyed on your existing mortgage deal. Changing your mortgage to raise extra funds could mean facing large early repayment charges A permanent/long-term financing Used to pay off a short-term construction loan/bridging loan or other form of interim financing Interest on late payment will be amortized unlike bridging loan It can be combined with bridging loan – deal with one lender that has been used by the developer to finance its construction of property before (file one credit application only and pay only one set of settlement cost) INDUSTRIAL/COMMERCIAL LOAN End-Financing FACTORING DISADVANTAGES OF END-FINANCING Factoring is when a business sells unpaid accounts receivable invoices to a specialized financial institution called a Factor. The factoring company buys the invoice from the business for an amount less than its actual face value, and then later collects the full amount of the invoice from the account debtor when it finally comes due. This service is useful to a business that cannot wait to collect payment from customers; cash is needed immediately for growth or survival. TO WHOM IT IS OFFERED??? BRIDGING LOAN DISADVANTAGES OF FACTORING The interest rates on secured loans will be higher than for a mortgage The upfront costs such as valuation fees and arrangement fees will increase your expenditure Paying off your secured loan each month may leave you short of cash to meet other bills compare secured loans online to scour the market for the best offers currently available by taking out a secured loan you are putting your home at risk Provide short term financing, therefore lesser risk involved Reduce the financial obligations towards loan repayment Can reduce the penalty charges for not being able to pay The borrower has an option to pay full amount of loan before or after the permanent financing is secure The borrower has chance to improve his/her credit rating if the borrower makes all the payments on time Short-term funding Used by developers to fund their Gross Construction costs. Normally charged at a higher interest rate compare to mortgage loan The financier bear the risk of not being paid by the developer resulting from non-attractive property sold. It is called bridging loan because the loan received help to bridge the gap between the time when to start the project and the time when the cash is expected to receive in the future (funds to be received from the house buyer)
Transcript: Commercial Presentation Questions 1. Who created this message? The hair brand company Pantene created this message. 2. Why is this message being sent? This message is being sent because Pantene is trying to show that if you use their hair product, no matter who you are, where you come from or what you do-YOU CAN SHINE. 3. What creative techniques are being used? The creative techniques used in this commercial are how Pantene made the deaf girl's hair shiny, flowingly fluent, and eyecatching to the audience. Another creative technique they used is the way they showed a butterfly hatch and fly out representing another point that don't hide, break out free, let the world know you are here. 4. How might different people understand this message differently than me? Different people may understand this as not a hair product commercial but as an advice to life; life can be harsh but you are the only one who can change it, you can shine. Some people might take this message as a PSA ( Public Servie Announcement) or CSA (Community Service Announcement) 5. What values, lifestyles, and point of view are repersented or omitted in this commercial? The message means we can shine, do better with the hair product Pantene has released because it makes your hair shiny but eyecatching. They would make it eyecatching so others would want to buy it making it more popular. The hidden message The hidden message in this commercial is you won't be noticed if you dont have their product The implied message The implied message of this commercial is if you use their hair product it will take effect on us as making you better and noticeable. THE END! "YOU CAN SHINE"
Transcript: Mortgage 30 year loan $100 Extra payment a month 2 years 9 months Faster Total Interest- $304,949.37 Saves- 32,718.95 Loan Presentation 4 Bedrooms 3 Bathrooms 3 Acres of land Lots of work Space Mortgage Mortgage Mortgage Mortgage 20 year loan 10 years faster than 30 year loan Saves close to $100,000 in interest By: Brain Allen Mortgage Down Payment- $10,000 Closing costs- $2500 Amount Financed- $291,500.00 $299,000 1104 White Oak EST. Van Buren, AR
Transcript: WHEn HOW Understanding YOur LOans Congresswoman Jayapal's Office WHY What is a loan? Federal Direct loan program (unsubsidized/subsidized stafford) Federal Perkins Loan GRant Vs. Loan GRant Vs. Loan Grants Loans Must pay back Free money! Subsidized: loans you don't pay interest until after 6 months of graduating Unsubsidized: must pay interest; responsible for interest even while in school Federal Family Education Loan (FFEL): were loans offered by private lenders but is now under the umbrella of Direct Loan program provided by the Dept of Ed. Parent PLUS Loan: Parents of dependent child can take this loan out. Direct Loan Program Direct Loan Program Federal student loan, made by the recipient's school, for undergraduate and graduate students who demonstrate financial need. Federal Perkins Loans Federal Perkins Loans Loan Companies who are in charge of collecting your loan payments Loan Servicers CornerStone FedLoan Servicing (PHEAA) Granite State-GSMR Great Lakes Educational Loan Services, Inc HESC/Edfinancial MOHELA Navient Nelnet OSLA Servicing List of Loan Servicers List of Loan Servicers If you don't know who your Loan Servicer is visit: https://studentaid.ed.gov/sa/?log-in Interest Rates Interest RAtes Rates vary depending on the date of your first disbursement Once you've taken out a loan, rates are fixed for the lifetime of the loan RAtes for Direct Loan Program RAtes for Direct Loan Program *Perkins Loans (regardless of the first disbursement date) have a fixed interest rate of 5%. Loan FEes Loan FEes This is deducted proportionately from each loan disbursement you receive; money you receive will be less than the amount you actually borrow. You're responsible for repaying the entire amount you borrowed and not just the amount you received. IDEAS Steps to take While in COllege Step 1: Borrow only what you need Your school might approve more loan funds than you actually need, so only borrow what is necessary. If you take out more than what you need, return the extra money. If you return the money within 120 days of disbursement, It will process as a Borrower Cancellation Payment. Keep in mind that you must complete an Entrance Counseling before receiving your loan. Step 1: Borrow only what you need STep 2: Create an account with your loan servicer Loan servicer handles billing Its important to get familar with their payment process STep 2: Create an account with your loan servicer Step 3: Exit Counseling Must complete Provides information you need to help you prepare for repayment Check with your school to find out how they want you to complete exit counseling; requirements vary. Step 3: Exit Counseling Steps to take After College Step 1: Know when to start Payments Loans have an approximately 6 month grace period after graduation. PLUS loans don't have grace periods. Once the loans are fully disbursed, payments must start. For Perkins loans grace periods vary; check with your school Step 1: Know when to start Payments step 2: CHoose a repayment plan Different repayment plans are available if you feel you may not be able to afford your monthly payment. Use a repayment estimator to determine which plan best suits you step 2: CHoose a repayment plan STep 3: COnsider loan consolidation This allows you to combine multiple federal loans into one loan Only one single monthly payment instead of multiple Can also give you access to additional loan repayment plans and forgiveness programs STep 3: COnsider loan consolidation REpayment Plans REpayment Plans Pay As You Earn (PAYE) Right for you if you have a sizeable amount of student loan debt, are unsure if you can afford your monthly payments, or have little to no income Payment amounts based on your income and family size; usually 10% Payments made for up to 20 years; can ask for loan forgiveness after Pay As You Earn (PAYE) Income Based Repayment Right for you if you have little to no income, mounds of student loan debt, or you're stressed about the affordability of your monthly payments Monthly payments as low as $0 per month Payments are generally 15% of your discretionary income (10% for new borrowers*) Payments are made for up to 25 years Income Based Repayment Income-Contingent Repayment Right for you if you are worried about your monthly payments and need some flexibility based on your financial situation. Payment amounts based on your income, family size, and loan debt Payments are generally adjusted based on your income using the lesser of: 20% of your discretionary income The amount you would pay under a fixed repayment plan over 12 years. Payments are made for up to 25 years Income-Contingent Repayment GRaduate Repayment Plans Right for you if you may be able to afford higher payments in the future, but a smaller monthly payment would be helpful now Quickest payoff Maximum repayment term of 10 years for unconsolidated loans, and up to 30 years for consolidated loans Lower monthly payments that increase over time; increase every 2 years throughout the
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