Benefits of Financing Your Business Equipment

The advantages of financing are greater than ever. Any business or organization can benefit from these advantages which include reduced costs, simplified budgeting, credit preservation and flexibility. When it is time for your business to make a financing decision, equipment financing allows you to take full advantage of business opportunities while enjoying critical flexibility and investment protection.

More for Your Money

Many businesses struggle with the need to grow while feeling constrained by a lack of capital. What so many business owners don’t know is that equipment financing can increase your buying power and decrease your expenses. When you finance rather than use working capital, you can afford a more complete solution while making lower monthly payments and paying little or no up-front costs. This leaves your working capital intact while allowing for the needed growth.

The larger the business acquisition, the greater the benefits of financing. For large-scale projects financing can mean the difference between making those changes now and putting them off indefinitely. Putting off necessary changes often means taking your business out of a competitive market position – a position that can be difficult to regain.

Critical Business Advantage

As the business landscape changes on a daily basis, it can be imperative for your own business to adapt and grow to match the market. This is especially true for software and services that are vital but can have large up-front costs. Unfortunately, there are many companies that lack – or think that they lack – the resources required to purchase all of the equipment needed to keep their businesses productive.

Financing can expedite this business transformation by letting you add necessary service capacity, reduce the risk of your technology becoming obsolete and can decrease the total cost of ownership. Equipment financing can provide flexible payment options tailored to your specific budget requirements or timed to match your benefit streams, enabling your company to afford all of the components necessary to maintain a competitive business edge.

Speeding Up Your Business

Other obstacles to keeping businesses moving ahead at an effective pace can include budget constraints and the lack of capital. But emerging markets and those ever present competitors won’t wait for you to catch up. Financing those business purchases means that a lack of capital doesn’t have to cripple your business endeavors.

Equipment financing enables companies to quickly adapt to changing competitive environments, and any business strategy should include access to flexible and competitive financing options. Take some time to research equipment financing companies. The good financing programs offer customers competitive, flexible financing solutions for acquiring hardware, software and any other equipment that your business might need.

Competitive Advantage

It is a simple fact that business solutions are becoming obsolete faster than ever. A customer-focused equipment financing program provides flexible, cost-effective solutions that can help you acquire the technological components that you need to migrate to new business models and to maintain your competitive edge including software applications. This benefit can help ensure that your business never faces the specter of business obsolescence.

You should consider taking advantage of the flexibility that financing offers if your business is in the market for new equipment. This flexibility can help you stay ahead of the technology curve, and ahead of the competition.

A Hedge Against Inflation

With an economy that may seem less than stable, it is important that businesses, especially newer businesses, take advantage of every opportunity that gives them protection against tough economic times. Postponing growth is not necessarily the best way to protect your business as it can result in a loss of customers if you can’t offer them the services that they need or want.

When growth becomes a necessity, equipment financing can allow you to grow the way that you need without making your financial base less stable. The right equipment financing program not only gives you the access to capital that you need for growth but it could also lock in the rates for the loan. This means that you won’t have to worry about your rates falling victim to inflation… ever!

Don’t Fear Financing

The business world can be cutthroat. That’s no secret. So in the quest to keep your own business competitive or to grab a bigger share of the market, don’t let the lack of capital inhibit your plans. It would be nice if we could all expand using only the capital at hand, but that is simply not realistic. Equipment financing can be a very valuable tool and one that offers many benefits. It should not be feared. There are plenty of financing programs available that offer flexible and tailored terms to fit your needs. Do your homework and you will find a lender that will work with you rather than against you. In the long run, that financing could be the most valuable weapon in your business arsenal.

Is Kiyosaki Now Against Gold Investing And Silver Investing? Creating Wealth With Kiyosaki

For the last ten years or so, Robert Kiyosaki, a strong advocate for creating wealth, had been stressing the importance of gold investing or silver investing and the need for owning physical bullion. However, in the last many months or so, he seemed to have “gone off” gold and silver; if nothing else he seemingly stopped promoting it.

I found this interesting as the fundamentals for investing in silver or investing in gold had not changed, if anything they had gotten better:

  • the Fed has continued to print money while our national debt continues to expand with no end in sight,
  • unemployment and jobless counts remain high,
  • inflation continues to rise across the board as the economy still continues to struggle forward even with all the government’s efforts to stimulate and prop it up…


So I found it strange that Kiyosaki, having touted gold since it was only $250 an ounce (now almost $1600/ounce) and silver when it was only $3 an ounce (now over $36/ounce), no longer seemed to be an advocate for the precious metals (though to be clear he has never advocated against gold and silver either).

But then I attended one of his seminars (where he discusses the importance of financial education and creating wealth) recently and heard something shocking that I think pretty much explains why…

Kiyosaki on Creating Wealth

During his seminars, Kiyosaki usually uses some of his own antidotes and personal experiences to illustrate his points and show examples of what he means. He has always been a strong advocate of accumulating assets, more specifically investments and businesses and such that put money into his pockets each month (versus investments others like to make purely or mostly for capital gains, ie, flipping homes, buy low to sell high, etc a much riskier way to invest, especially today).

Over the past year or so he has made reference to investments in large resort properties in Arizona, large apartment buildings in the South, oil and gas drilling and wells, along with a gold mine in China…

Each of these investments again was made due to the great investment fundamentals each showed, in that each asset had the ability to provide a large cash flow once the asset was “put into production” so-to-speak (apartment units all constructed and rented out; wells pumping out gas and/or oil; mine producing tons of gold, etc).

And then it came out at this recent seminar at the very end during a question and answer about investing in gold or investing in silver. You could tell Kiyosaki was thinking carefully about how to formulate his response. This question brought out some real passion. He answered the question saying that although he liked the Chinese as a people on a personal level, and that the people of China make him a lot of money (from all his books and games perhaps?), he would NEVER AGAIN do business with the Chinese (you’ll see what he meant shortly).

That was quite a shocking statement, both in it’s delivery and in the message itself. Kiyosaki usually makes short statements like these and then expounds on them further to allow the message to sink in and really get the lesson across. It was clear from his experience that Kiyosaki HIMSELF had just learned a very important lesson…

He then went on to explain how his gold mine that he had been investing in and developing in China for a few years now – a venture you could tell he was very excited about whenever he mentioned it previously – had recently struck gold. The problem is that as soon as he struck gold the Chinese took the mine – it was no longer his! He lost out, everything gone, finished. No more gold mine, no more gold… He went on to say how China will become the most powerful country in the world very soon and that we should all prepare for that accordingly.

This isn’t the first time an asset or business has been taken over in a country. China has a history of this and today has major influence or control over many important resources, namely rare earth minerals (material necessary for the latest technology today, from iPhones and iPads to solar panels and Hybrid cars).

Yet the same thing has happened in other countries where the government simply takes over a business (Saudi Aramco Oil in Saudi Arabia – one of the largest oil companies in the world for example – used to be an American-owned oil company prior to the Saudi’s nationalizing it). Be on the lookout for this trend to continue in the future as resources around the world become scarce, as energy becomes more expensive and as the global economy continues to wobble…

From this relation by Kiyosaki and his recent experience specifically, you can fully understand and appreciate his deep hatred for communism. Yet, though we may view ourselves as capitalists here in the USA, he pointed out that we are heading down the same path in our country (he will not invest in California or New York for these very reasons). People are wanting the government to provide more and more yet expecting and demanding to work less and less. Take from the rich and give to the poor. More and bigger government. More entitlement programs. You name it. While Eastern Europe continues to fight off communism from the past, we in the USA appear to be fighting the emergence of communism.

Creating Wealth: Gold Investing? Silver Investing?

Kiyosaki finished his response to the question of gold investing or silver investing by saying that purchasing physical silver or physical gold of course does NOT produce any cash flow or generate any income. So in terms of creating wealth, just buying these precious metals in the physical form will NOT get you closer to financial independence nor will it increase your passive income…

However, it is prudent to have a good 6 months or so worth of savings set aside just in case – something very evident in today’s economy – but NOT in dollars (they are going down in value, fundamentals are very bad for US dollars as they are for all fiat currencies today) but rather in precious metals like gold and silver.

He finished by saying investing in gold or investing in silver is more a way of preserving your wealth, protecting your purchasing power, rather than as a method for creating wealth and that he would much rather save gold and silver than paper money today.

So given that gold and silver are more a means of protecting your purchasing power against the dollar and a way to hedge or protect yourself from inflation and the potential collapse of the monetary system, what then can you do today to move towards financial independence in terms of creating wealth?

Kiyosaki suggests building assets that produce cash flow. You want to improve your financial intelligence by increasing your financial education so that you are able to create passive income – income that comes in month after month whether or not you work. Once that level of passive income exceeds your personal expenses, right then and there you are financially free!

Lifespa Fitness and Spa

Lifespa Fitness provides franchise business opportunity in fitness and spa industry. Lifespa Fitness has been operating fitness centers in Indonesia since 1986 and now already has several fitness centers around Indonesia.

Spa Services
1. Lifespa Fitness Body Care
– Aromatherapy Massage (50 minutes)
– Javanese Lulur (100 minutes)
– Body Mask (110 minutes)
– Full Body Care (120 minutes)

2. Lifespa Fitness Massage Therapies
– Head & Shoulder Massage (25 minutes)
– Reflexology Massage (1 hour)

3. Lifespa Fitness Skin & Beauty Care
– Waxing (15 minutes – 1 hour)
– Manicure/Pedicure (1 hour 50 minutes)
– Foot Care (1 hour)
– Facials
– Hair & Beauty Salon

Fitness Classes
– Body Conditioning
– Triple ‘S’
– Power Stretch
– Aeroflex
– Step Conditioning
– Strength & Stretch
– Walkout
– Cardio Kickbox
– Afternoon Shape-Up
– Step Aerobics
– and many others

If you’re interested to open business in fitness and spa industry. You can contact them for the detailed information about the business opportunity.

Estimated Investment : Above Rp. 1 Billion

‘SMEs’ crutch ‘DIY Economic Growth’

Sector Small and medium enterprises (SMEs) are contributing to the economic growth in the province. This sector is a lot of job creation and poverty alleviation. They need to get capital support and facilitation in order to increase economic growth can DIY.

Chairman of the Chamber of Commerce and Industry (Kadin) DIY Nur Achmad Affandi said economic conditions remained stable at DIY. Passing of the Law Privileges DIY, will be a magnet to attract investment. Because the leadership of Sultan and Pakualam be set so that the elections did not exist.

“With titles like this will not be a lot of political policy changes, it is very attractive for investment,” said Nur Ahmad Affandi.

According to Nur Achmad, Gross Domestic Income (GDP) DIY only Rp46 trillion with a population of 3.4 million people. That is, the income per capita is only Rp15 million per year. Though small, yet life expectancy in the DIY index is higher than the national average. Even the amount of unemployment that is also very small.

“This is where SMEs have to be more empowered in order to per capita income could be increased. Hippi could play a greater role in boosting economic growth,” said the former member of parliament this DIY.

Chairman Yani center Motik Hippi said domestic production should be supported by government policy. Including the creation of the domestic product market and foreign restrictions. For many products such as herbs that hard to get in a foreign country. Though many Chinese medicines that dominate the domestic market.

“Local potential must be developed in order to grow a new economy,” he explained.

Meanwhile, Head of Economic Administration and Local Government Natural Resources Retno Setijowati DIY, DIY claimed growth in the last 12 years is pretty good. It’s just that the dominance of investment is still a lot of sectors supported by foreign investment (PMA). While domestic investment (DCI), is still very limited.

The government, in fact has a lot to develop a partnership effort between the centers, and industrial and SMEs. Including ease in getting low interest to support investment climate. In fact a lot of these businesses are not skilled and familiar with banking.

Bad Credit Small Business Start Up Loan – Annexing Bad Credit

Getting іntο thе foray tο ѕtаrt up a small business seems, hοwеνеr tough, іѕ nοt, іn fact thаt much hard nut tο crack. Thеrе аrе obviously needs whісh уου mау nοt bе аblе tο even count аnd thеу mіght pose a puzzle іn уουr mind аѕ hοw tο mаkе іt up. And, іt gets severe іf уου hаνе gοt a bаd credit stint ѕіnсе, wіth thаt; уου need tο bе more cautious. Bυt, thеrе іѕ thе bаd credit small business ѕtаrt up loan whісh іѕ quite capable οf getting уου οff thе hook іn thіѕ case.

Thеrе аrе obvious constraints whеn уου ѕtаrt up a nеw business. Bυt, wіth thе aids frοm bаd credit small business ѕtаrt up loan уου саn fix аnу οf thеm easily. Bаd credit small business ѕtаrt up loan іѕ available іn еіthеr case; уου pledge thе collateral fοr іt οr nοt pledge thе collateral. In еіthеr case, уου саn grab thе amount. Yеt, thе secured bаd credit small business ѕtаrt up loan thаt requires collateral fοr thе loan, offers cheaper rates simply bесаυѕе thіѕ іѕ secured against collateral. Hοwеνеr, unsecured bаd credit small business ѕtаrt up loan іѕ easier one, ѕіnсе іt іѕ available without аnу collateral.


Grabbing bаd credit small business ѕtаrt up loan іѕ again, tο gο through a proper process. Here, уου аrе required tο рlасе a designed cost-layout οf thе business fοr whісh уου аrе seeking thе bаd credit small business ѕtаrt up loan. And, thе better уου саn mаkе thіѕ business рlаn, thе more funding уου саn grab frοm thе bаd credit small business ѕtаrt up loan

Aѕ doing a business іѕ one οf thе mοѕt viable medium tο combat bаd credit problem, thе lenders аrе аlѕο аll set up tο advance thе bаd credit small business ѕtаrt up loan wіth easy modes lіkе thе online process, whеrе thе loan іѕ οnlу clicks way frοm уου аnd thіѕ іѕ thе best thing іn thе loan. Bесаυѕе οf thе easy process online, mοѕt οf thе lenders аlѕο remain flocked thеrе аnd thіѕ lets thе borrowers tο grab better choices аѕ well аѕ cheap rates іn bаd credit small business loan. Sο, wіth cheap rate іn bаd credit small business ѕtаrt up loan, уου аrе always capable tο fight thе bаd credit problem wіth аn unmatched ease.

E-Plus Ion Cleanse

E-Plus Ion Cleanse provides Franchise / business opportunity in Indonesia in Health and Beauty Industry. Their main product is e-plus Ion Cleanse foot spa, any many other health products.

Advantages of Ion Cleanse
– Remove Poison and Toxic
– Eliminating pimple & thirsty of husk
– Improve & Repairing liver function & kidney
– Launching blood stream & body network
– Losing weight body & fat
– Lessening excess of dilution
– Overcoming rheumatism & chafe joint
– Lessening muscle pain in bone & stiff
– Lessening blood-vessel acid
– Overcoming sleepless trouble
– Improving concentration & recall
– Improving vitality and energy
– Looking after system impenetrability of body
– Lessening to swell

Estimated Franchise Investment : Under Rp. 100 Million

Education Personnel Services: Because Quality Education Is A Right, Not A Privilege

The recent global economic challenges have provided many lessons for world leaders to learn from-after all, in the wake of a crisis, the only way to rebuild is to be a student and learn from one’s mistakes. One of the most significant points that have surfaced is the importance of prioritising quality education for all. Having a learned and enlightened mindset, as pro-education experts have always known, is an essential tool for nation building. A generation that is armed with a critical and enquiring mind and tools for analysis can help economies grow, recover and prosper to fulfil their full potential.

This renewed focus on the value of education has encouraged schools and learning institutions to make their teaching and management quality even more top-notch. By availing of education personnel services, they are able to evaluate their current policies and systems and reassess which areas need enhancement or improvement. Schools will be able to identify the right recruitment and selection process that will ensure them that the teachers and school staff they recruit will be aligned with current academic goals and the needs of the student population. Meanwhile, performance management and employee relations programmes, workshops and recommendations can make their current teachers’ pool even more prepared to create a more effective classroom learning experience for the students.

Reputable companies that specialise in providing education HR services can provide schools with access to a vast line-up of resources that will address various staffing concerns that they may face. They can refer to links, materials and references to the newest trends, updates and provisions on education-related matters. They can make use of practical solutions such as contracts of employment, starter and leave forms. The extensive wealth of information will be able to help schools become more efficient and effective in managing their valued staff.

Another core solution offered by leading education HR services companies is the provision of education finance services. After all, every school needs sufficient funding in order to sustain their programmes, activities and polices all throughout the academic year and the next. Guidance in major areas such as proper budget management, payroll administration, balancing of academy budget and more can deliver a huge impact on how schools can achieve their academic goals.

The most effective teachers are those who believe in lifelong learning. With sufficient support and guidance, learning institutions can continuously make significant contributions in shaping the country’s future.

Manufacturing data in the U.S. dragged Wall Street

Stocks on Wall Street fell slightly, but remained at its highest level since 2010. This happens because there are signs of economic weakness, the shadow market.

The S & P 500 is up 5.9 percent over the past three months as the Federal Reserve is ready to inject liquidity into the market, and stimulate their economies. This move has lifted the index 17 percent this year, and pushed the S & P to its best level in five years.

However, data businesses in the United States (U.S.) a disappointing showing contraction for the first time since 2009. More news to come from a weak manufacturing report and a sharp drop in U.S. durable goods orders last month.

The Dow Jones industrial average (DJI) fell 48.84 points, or 0.36 percent, to 13437.13. Index The Standard & Poor’s 500 (SPX) fell 6.48 points, or 0.45 percent, to 1440.67, and the Nasdaq Composite Index (IXIC) dropped 20.37 points, or 0.65 percent, to 3116.23.

But, in the third quarter, the Dow recorded an increase of 4.3 percent and the Nasdaq rose 6.2 percent. For September alone, the Dow rose 2.6 percent and the S & P 500 rose 2.4 percent, while the Nasdaq rose 1.6 percent.

The technology sector recorded the biggest gain in the S & P (PTSD), such as Accenture PLC (ACN.N) rose 7.1 percent to USD70, 03. After Accenture profit recorded values ​​higher than analysts expected.

Trading volume was light observed with approximately 6.15 billion shares changed hands on the New York Stock Exchange, Amex and Nasdaq, compared with a daily average volume of 6.38 billion. Decliners outnumbered advancers on the NYSE by a ratio of 3:2, while on the Nasdaq, about two stocks fell for every one that rose.

The Gold Price Points?

PRICE of gold continues to rise after surging 2 percent in trading Thursday. The rise in gold prices could not be separated from the steps the U.S. Federal Reserve, the Federal Reserve, which issued a new stimulus to encourage job creation in the U.S..

Reuters news agency reported Friday, September 14, 2012, the price of spot gold traded at U.S. $ 1,766.75 U.S., after surging 2 percent on Thursday to U.S. $ 1,772.26, the highest since February 29. Meanwhile, the index of commodity Thomson Reuters-Jefferies CRB index rose 0.55 percent on Thursday, touching its highest level since March.

In Singapore, spot gold prices on Friday morning, up 0.1 percent to U.S. $ 1,768.44 per ounce. Throughout this week gold has risen 1.9 percent. This represents an increase of gold for four consecutive weeks.

Why is gold so attractive for investors to continue to strengthen in the past four weeks?
Jeff Sica, chief investment officer of Sica Wealth Management currently manages client assets of more than U.S. $ 1 billion, to see that gold as a major investment in the face of a weakening dollar.

“The appeal of gold as a refuge from the fear and the secondary currency has never been unparalleled,” Sica said in an e-mail to Reuters. He estimates that commodity prices will continue to rise.

Sica doubt that the market euphoria will not last long, as investors will soon shift their focus to the economic fundamentals are weak.

Although traded slightly higher, in fact during the weakening dollar. The dollar index, measured against a basket of currencies in the world, hovering near its lowest level in four months, at 79.18.

The dollar traded up 0.1 percent at 77.57 yen, recovering from a seven-month low at 77.13 yen. The euro held steady at U.S. $ 1.2987, just below the highest level in four months at U.S. $ 1.3002.

Online Auto Finance Companies May Be Your Best Chance to Get a Loan

If you are in the market for a new car, you’ll likely need to deal with auto finance companies to get the loan you need. There are different types of lenders that specialize in different credit situations. If you know where you stand as far as credit is concerned, you probably know which type of lender you’ll likely to be dealing with.

The prime lenders are auto finance companies that primarily deal with the major dealerships. They will provide the best interest rates and usually only require the standard information that’s usually required for most auto loans. To get the best rates or get approved, you need to have a good credit history. They may allow a few minor blemishes on your credit report but a low score or major items will be grounds for a rejection.

Many dealerships have a special finance division. This division deals with second tier or sub prime auto finance companies. They provide loans for people with low scores and negative items on their credit report. You will get a car from their dealership but you will pay a higher rate may need to provide additional paper work and proof of income. There is not much negotiating room so you won’t get a great deal on the price of the car. You may also be required to get an extended warranty to protect the lender from default.

Online auto finance companies provide financing to nearly everyone. There are lenders online that only provide credit to people with good credit but you’ll find many companies that provide lending to all credit types. The process is easy because you fill out a short form online. Based on the information you provide, you can get an answer in a little as one minute. You’ll be provided with the maximum loan amount, interest rate, and monthly payment.

Those with challenged credit histories may find it beneficial to shop for loans from online auto finance companies. By getting a pre approval, you know what price range you should be shopping. You don’t need to worry about dealers manipulating numbers to arrive at your monthly payment. Your rate and monthly payment is already predetermined by the online auto finance companies. You just go the dealership and negotiate the best price of the car and drive away.