5 Travel Tips For Travel to Fiji

Fiji offers a unique blend of culture and natural beauty and travelling to this friendly country always promises a magical vacation. Most people go to Fiji for the gorgeous beaches and relaxing sun and none are disappointed.Whether you’re looking to dive amongst spectacular coral and fish, laze on the beach under the sun, or explore rich cultural and historical sites, Fiji offers the diversity to please any traveller. As you plan your trip, consider these 5 travel tips:#1 Choose the Right IslandThink about what you hope to get out of your trip as you start to plan. If you are looking to swim, snorkel, surf and kayak, try the Yasawa Group. If you and your family are seeking a fun time in the sun, look into the Mamanuca Group. If you want to experience awesome diving, consider Taveuni, Beqa Lagoon, to name a few. If you want to tuck away in a romantic secluded spot, escape to the remote beaches of Kadavu, or the Northern Islands of Fiji.#2 Learn Some LanguageEnglish is the official language in Fiji, but the native language is well persevered and widely spoken. There are many terms that you might hear incorporated into everyday language. Before you go, make an effort to learn a bit of the language for the full cultural experience of Fiji.#3 Book a cheap flight onlineAustralians and New Zealanders should rejoice in the fact that the flight to Fiji is not only short (3 hours from Sydney to Nadi) but that there is a good range of cheap flight deals and packages to Fiji. There are several international and regional airlines that operate flights to and from Fiji as well as affordable domestic flights to whisk you comfortably from island to island.#4 Pack SmartUnless you are planning to take a trek high up into the mountains, don’t worry about packing clothes for cold weather. Fiji is almost always warm, even in the evening and night. Pack plenty of light clothes including bathing suits and cotton shirts, shorts and dresses. Even formal evening events won’t dip below the ‘crisp casual’ range of clothing, so don’t worry about packing formalwear. Prepare yourself for the occasional tropical rain and with a waterproof jacket. As with any beach outing, protect yourself from the elements with hats, sunglasses, sunscreen and insect repellent.#5 Know the CustomsWhile beachwear is perfectly acceptable at the resorts, scanty clothing is inappropriate in villages. When shopping, remember that bargaining is encouraged at small local shops and stalls, but not at all in major department and grocery stores. Tipping in Fiji is not customary. Visit any village or private home, especially on a weekend, and you will undoubtedly be offered a coconut shell filled with kava, a traditional drink with mildly intoxicating properties. Enjoy!

Commercial Property Management – Checklists for Property Management Handovers

As a commercial property manager, you will frequently be involved with property management handovers. When you are on the receiving end of the process, you will understand just how important the information gathering process can be.It is not unusual to get a level of reluctance on the part of the previous property manager or landlord to cooperate through the handover process. When they are losing a property to another agent, they are really not greatly interested in telling you everything. For this reason attention to detail in the handover process is very important. If you are at the receiving end of the handover you will have to be very careful that you collect all the right detail and ask all the right questions.The simple fact of a property management handover is that you must achieve full awareness and accurate details of all the property elements and activities. Without these facts you can make mistakes and create errors.The larger and more complex the property to be managed and taken through the handover, the greater the variety of issues that potentially can be involved; so be prepared to ask the right questions and gather the right information.Here is a simple checklist of some of the major issues involved in the property handover.Get a copy of all plans associated with the property title, improvements, surveys, and tenancies. These will be invaluable when it comes to managing the property into the future.
Get details of contractors appointed to the property and the maintenance duties that they undertake.
Any fit out plans associated with the individual leases should also be provided to you. All fit outs should have been approved through the previous property owner and those works should comply with the current building codes. This says that the tenant should have achieved approval for construction prior to the fit out work commencing.
As built drawings associated with the building will give you details of design factors associated with the improvements within the property at the time of construction. The as built drawings will normally be for electrical, hydraulic, mechanical, air conditioning, lighting, and structural issues.
Particular rules and regulations will apply to the function and occupancy of the building. The local building codes and planning regulations will stipulate what those rules and regulations are. It pays to visit the local council offices to ensure that you have awareness of any rights restrictions and obligations that apply to the property.
The essential services to the property will have to be managed within building safety codes and compliances. Your property contractors should provide some assistance here.
Look for unusual property matters such as those associated with energy, heritage, environmental, and statutory charges or notices. Visit the local building authority to check for any outstanding matters here.
Copy of all lease documentation will be important to the ongoing occupancy in the building. Those leases will have particular critical dates relating to rent reviews, options, lease expiries, and other particular lease obligations. When you get a copy of the lease documentation, it pays to go through all leases comprehensively to collect and understand the critical dates. These dates should be entered into some form of a diary system to alert you at the right time in the future to take the right action.
The leases should be checked against the current rent invoices. The rent invoices should be accurate for and with regard to the terms and conditions of each of the leases. On this basis you need to check and cross reference the rental invoices and charges raised. Look for not only rental matters but also outgoings charges and any other charges that can be raised against the tenancy.
Are all tenants on current leases that have been correctly enforced? It’s a smart question to explore early at the time of property handover.
Any matters of arrears or breach of lease should be flagged to you for continued appropriate action. Copies of existing correspondence in these matters should also be provided to you. Problem tenants should be flagged for action and attention.
The outgoings charges and recovery strategy within the property will be supported by the lease structures and dates. Some tenants will be contributing towards building outgoings as part of their monthly or weekly rent charges. You will need to understand just how the process has been handled in the past and get the current status of recoveries from the various tenants today.
A history of outgoings reconciliations and payments over the last few years will help you with future budgets and tenant lease reconciliations. Outgoings impact the net income and property price and should be respected on that basis.There are other matters relating to the handover process that should be added to these we have detailed above. The best way to approach the handover of a property is to use a checklist specifically taking into account all the factors of the property type and the local area.

Learn Digital Photography – Using Your Digital Camera the First Time

Consumers have gone digital ever since the technology improved and became cheaper. Nowadays, digital cameras are build to be affordable and user friendly. Gone are the days when we buy specific ISO films for specific occasion.Still, you need to learn about digital photography before you start using your camera.1. Understand the featuresDo you know how wide your camera lens is? Do you know the smaller the lens size (mm) the more you can fit into your picture? How much is the optical zoom of your camera? Do you know optical zoom is more important than digital zoom when you are taking a picture?Besides, cameras nowadays don’t just take photos. Cameras like compact digital cameras are capable of taking video too. Can you benefit from this feature?Digital camera is just a tool to the vast world of photography. If you really want to learn digital photography, you need to realize the potential of your camera.2. Read the manualUnless you are really into photography, a lot of consumers don’t read the manual. If you are one of them, probably you have even misplaced the manual now.But the fact is, your untouched manual is a very good guide for your digital photography hobby. It often surprises the consumers because their camera can do a lot more than they think.3. Learn the basicsThe basic of using a digital camera is to look at the subject from the LCD screen or eyepiece, focus on the subject manually or automatically, snap the picture and view it on TV or PC.You will only know how to make your pictures unique after you master the basics.4. ExperimentOne of the best ways to understand the potential of your digital camera is to experiment with it.Capture the subject with different mode and compare which of them is better. Sometimes capturing a picture under dim light with flash off is better than setting the flash on.Since your pictures are stored digitally, you don’t need to worry about spending money on film. The maximum wastage can only be battery power which is also rechargeable.

Job Prospects in Canada’s Automotive Sector Look Bright

From dealerships, rental agencies and repair shops (and more), the Canadian automotive industry provides numerous fulfilling and long-lasting career opportunities. In fact, the Canadian automotive industry is the sixth largest on the planet, accounting for 25% of the country’s entire merchandise exports. According to the Automotive Industries Association of Canada, direct employment in the aftermarket (which deals with the manufacture, remanufacture, distribution, wholesaling and retailing of replacement parts, accessories, tools, equipment, accessories, chemicals and services) totaled 410,700 jobs in 2009.Despite these numbers, you would be perfectly reasonable to assume that the industry’s job prospects have taken a hit in the last few years. The economic downturn in 2008, along with accelerated automation and global warming posed tough challenges and led to a 21% drop in new car sales…which obviously had a trickle down effect in all areas of automotive manufacturing, sales and repairs.However, the industry has bounced back in the last two years, and as Windsor Star reporter Grace Macaluso recently reported, Canada’s share of North American light-vehicle production is now at an all-time high (the number now stands at 17.3% of North American vehicle production, which is up from pre-recession levels of 16.8%). Automotive Training Center director Zyg Strecha believes this increased production points to improved job opportunities, adding that, “New vehicle sales are also up a few percentage points over last year, so the economics and employment opportunities are there”.Adding another extra boost is Canada’s Economic Action Plan, which has helped firms modernize their operations to create and maintain jobs. This follows the restructuring assistance the Canadian government provided to prevent the collapse of large companies, including Chrysler and GM, both of whom have repaid those loans in full. The rejuvenated strength of the industry’s biggest players, coupled with technological advances and the looming retirement of baby boomers, indicate that there are very bright job prospects in many segments of the vast auto industry.If you are passionate about cars, therefore, now is the time to act on your dreams. To best prepare for these tremendous career opportunities, interested candidates should enroll in automotive training programs at auto repair schools with the best and most cutting edge training facilities. In order to step directly into the automotive workforce, students should look for automotive training programs that allow them to spend the maximum amount of time in real, industry standard auto repair shop environments. The best of these auto schools, for example, will use modern classrooms, bays, hoists, scanners for vehicle diagnostics and emissions testing, welding equipment, alignment hoists, modern paint booths and mixing rooms (for auto body repair) and much more.Don’t be scared off by the news. Your career in the automotive industry is still within reach.

Avoid These Costly Kitchen Remodeling Mistakes

The kitchen is the heart of every home. It’s where all meals are cooked and prepared – where guests and families congregate to swap recipes and stories over dinner or Sunday lunch. It is important to design your kitchen to be as spacious and welcoming as possible, and make sure it is conducive not just for cooking, but will also allow space for all the activity that’s going on.Despite your good intentions, however, not all kitchen improvement projects end up well. Layout planning may be an issue, or the choice of paint colour, type of cabinetry, and furniture do not match. Here are some kitchen renovation tips and things you should avoid:1. A bigger kitchen is not always betterA carefully planned kitchen is often better than a haphazardly designed bigger one.Almost every kitchen remodeller’s dream is to get a bigger kitchen. But bigger does necessarily mean better. If a kitchen renovation experts advises you to improve your home’s entire floor to free up space for a bigger kitchen, take their advice with a grain of salt and try getting a second opinion from a different firm. Sometimes, a small but well-designed kitchen with high-quality materials and carefully planned details is enough. Remember to keep in mind the kitchen work triangle to manage the workflow and maximise the efficiency in the kitchen.2. Skimping on storage and cabinetsCheaper is definitely never better. Your kitchen storage should be durable enough to last your kitchen’s lifetime. Investing in a strong and durable cabinet is a must for any kitchen. You’ll be opening and closing those drawers every day so they’ll be subjected to a lot of wear and tear. Make sure you get hardwoods with a good finish and strong hinges to get the best value out of your remodelling efforts.3. Relying too much on the design fadGreen can veer towards trendy and seasonal. Balance it out with neutral colours to make it more timeless. Fads always come and go. Because of this, trendy homes can easily become dated in just a few years. Be careful when allowing current trends to influence the design of your new kitchen. It is still more important for the kitchen to match the rest of the rooms in the house and reflect the personality and activity of the family or individuals living there. Opt instead for good space planning and timeless kitchen designs.4. Getting distracted and going against the original design planStick to the plan. This will not only makes sure that the process of remodeling is smooth, it also ensures you stay within budget. The key to a successful remodelling project is following a well-organised design plan. If you have already declared a budget, selected a colour theme, purchased materials and furnishings according to the said plan, follow it. Avoid getting distracted by “newer and shinier” kitchen gadgets and furnishings as well as kitchen layouts that seem to look more exciting that the one you planned. Stop second-guessing your initial choice and stick to it.5. Trying to be your own designer despite lack of experienceDesigning your kitchen isn’t as easy as painting one colour and mixing it with the other. Remodelling the kitchen, even if it’s one room, requires a good eye, creative design skills, and ability to produce layouts that consider the function of the kitchen and the flow of people around the house. This project is definitely time-consuming and complicated, and when done incorrectly, it could even be more costly than what is necessary. According to Denise Dick, a CMKBD and NKBA member in Carrollton, Texas. “Just like you go to a doctor specializing in a part of the body the specialist for that part of the home is the kitchen designer. We understand how it all fits together and why the parts are necessary. You’re going to do it right the first time with a designer.”

Snoring Is a Warning Sign

This week I will be helping find and talk about some of the interesting sleep disorders. The most common one is snoring. What the most recent studies have found is that snoring even if it is not associated with sleep apnea may be a sign of health issues.In children sleep apnea may not be present but snoring may be a sign that your child may need to be treated. Snoring alone can disrupt sleep, limit the amount of sleep your child may be getting or may just prevent your child from getting into the deeper sleeps needed to grow and to heal. If your child has symptoms of ADD or ADHD it may be due to that sleep disruption.If you find that your child is snoring evaluation by their doctor is the best way to get to the bottom of the problem. Some dentists are also looking at sleep apnea, as they can visualize issues with their upper airway. The physician may have the child evaluated by an ENT or have them do a sleep study to evaluate the extent of the snoring and to see if their breathing is being affected.In adults snoring is not just associated to obstructive sleep apnea. Snoring itself has been associated with high blood pressure and diabetes. They have also associated it with dementia and memory loss. Some people may only snore when they reach certain stages of sleep causing the disruptions to happen at approximately the same time each night. Usually during REM sleep, where we dream, are muscles are the most relaxed and this can bring on snoring and sleep apnea. Also it may be worse when someone is sleeping on their back because the tongue relaxes and moves to the back of the throat.If you have snoring and you have been tested for sleep apnea with a mild or negative result than you may still want to treat it. An oral appliance made by a dentist who specializes in sleep would be your best option. Because different oral appliances work for different people I would make sure that the person you are working with knows how to create more than 1 appliance. You may also want to attempt to use positional therapy so you do not sleep on your back. You can use a wedge pillow which will allow you to sleep with your head raised. The more productive way however is the tennis ball method, where you create a pocket on the back of a t-shirt, place a couple of tennis balls in them and sleep in it for about a month. This will help encourage you to stay off your back when you sleep.Snoring, no matter how we look at it, is not a fun for the person who has it or the person who has to listen to it. You should do what you can to deal with it to keep yourself and your family as healthy and well rested as possible.

Make Money Online – The Basics On Exactly How To Start Earning Money Online

I think most of us came here to search for means to make money online. So below I am, exposing methods to make money online!Make Money Online with Google AdSense:Google AdSense is the only method to make real cash online. Google AdSense, commonly simply AdSense, is a powerful ad serving program run by Google. Internet site owners can enlist in this program to make it possible for message, image as well as video promotions on their websites. All you have to do is puts some code on your internet site and advertisements will be shown that are relevant to the material on your page. These ads are carried out by Google and also create income on either a per-click or per-thousand-impressions basis.Generate Income Online with Associate Advertising:Affiliate Advertising is one of the most effective methods to earn money online. An affiliate program on the internet is just where a website is selling an item and also they will certainly pay you a commission on every sale you produce from the traffic you send them. So all you need to do is send your site visitors to one more web page. Popular web sites like ClickBank as well as CJ serve the purpose to assist you do associate marketing by discovering the right item. There are a lot of methods needed to do affiliate advertising so a lot of digital books are offered online.Earn Money Online with Google AdWords:Google AdWords is one more pay-per-click advertising and marketing company run by Google. In Google AdWords, you can place promotions at their internet search engine as well as get quality traffic. However the discussion depends upon well is your touchdown page. Visualize you pay $0.10 for each top quality visit as well as you got one sales of $30 in every 100 gos to. You are making a profit of $20.Generate Income with Online Auctions:Make money online with online auctions is among the 20th as well as 21st century’s most reputable, real as well as examined, home businesses. Merely acquire low, sell high and take the distinction to supplement your revenue. Numerous individuals sell on eBay.com or various other on-line auctions internet site as a full-time job and make well over 6 numbers.Make Money with Paid Surveys:While not one of the most profitable of home businesses, Paid Studies are easy and simple as well as Yes, you can make money online with them. You can make 4 or 5 dollars a pop, which can add up especially if you do a few paid surveys each day in your leisure.Make Money Online Freelancing:There is no such thing as a complimentary. Neither exists a very easy way to make money, particularly from house. To make yourself employable, you require to make certain that you have actually the required ability along with great advertising and marketing as well as social abilities. An audio portfolio (for striving authors, editors, photographers, developers, and so on) is a must.Today numerous personal business and MNCs are employing people that choose working out of their homes. A host of chances exist for house work in locations as varied as telemarketing, selling insurance policy, data access, inputting, data conversion, copywriting, accounting, composing (scholastic as well as journalistic writing), editing and enhancing and also evidence reading, website design, material development, Internet-based study for business, visuals style and also desktop publishing, programming, audio and also video modifying, translation job and also etc is readily available.With a fair little bit of technology abilities (inputting as well as word processing skills, being PC literate), entrepreneurs can utilize the globally web to start firms and job from the benefit of their houses.Prior to you enter the house work groove, make sure you have the requisite certifications, equipment, and time management skills to persuade possible employers that you are the best individual for the work.There are a great deal of means to make money online, so you do not require to restrict yourself with simply one method. Explore even more ways that you can to earn money online.

Vehicle Leasing Guide The Most Frequently Asked Questions About Auto Leasing

Most Frequently Asked QuestionsIntroduction: In today’s world of motor vehicles, with the average cost of a new vehicle continually raising, it is now more important then ever to fully understand the options of vehicle leasing.In my opinion, the List Price/Window Sticker or MSRP of today’s vehicle is priced so that leasing will reflect the best way to acquire the vehicle. In my 30 plus years of vehicle leasing, here are some of the most Frequently Asked Questions I have received from my prospective clients.1. Should I lease or buy?When you lease a vehicle you will be able to have a lower monthly payment and will have a much lower cash outlay.You will be able to afford to lease a car that you probably would not be able to afford to buy?
You will have lower maintenance costs since most new cars come with a 3 year warranty which will cover most major repairs?You will be able to drive a new car every 3 years.
There will be no trade-in or resale hassle at the end of the lease.
Your sales tax will be less on a new car lease since it is only calculated on the monthly payment, where on the purchase of a new car you must pay 100% of the tax on all of the vehicle the day you buy it even though you will never use 100% of the car.When you lease a vehicle you will, conserve your working capital, avail yourself of an additional source of financing, make a minimal investment verse buying a car that will depreciate faster then you can pay for it. Remember one of the basic rules of economics is that if it
appreciates in value, own it. But if it depreciates in value, lease it.The motor vehicle manufacturers of the world have realized that in order to keep new vehicle pricing high they must keep the used car prices high.
They can not keep used car prices high if they cannot control the used car market. So therefore by over inflating the price of the new car and then under depreciating it which then makes the buy-out prohibitive, they are forcing the car back to them. Which allows them to set the used car value? Which in turn enables them to keep the new car prices high.Just think of it, if the cars were priced based on real market value and then depreciated on real future value, (since technology has enabled most cars to be made better today then they ever… were as in the past 50,000 miles is not longer the point of obsolesce), then most people would buy the car at the end of the lease and keep it for another 2 to 3 years and it would kill the 3 year business cycle? It is a stated fact today that the average car has more on board computer technology built in it then the first Apollo space capsule had?2. What are the advantages of leasing?More car, less money down, less tax to pay. Economics still dictates that if it appreciates own it, but if it depreciates lease it. You own your house and you lease your car.3. Mileage?Mileage is a key consideration. If you do 12 to 15,000 miles a year you should fit easily into most leasing programs. But be sure that you properly estimate you mileage and be sure the lease is written to accommodate your needs.4. If I don’t use my mileage allotment can I get a refund?You will be responsible for any excess miles at the end of the lease, but in most leases you will not get any refund or credit if you do less.5. Term of lease?Most leases run 36, 39, or 48 months, but there are special leases where it may be to your advantage to go shorter or possibly longer?6. What is the capitalized cost?This is the cost of the lease. It is the sum of the acquisition cost of the vehicle plus any added on items such as taxes, bank fees or any special equipment.7. What is the residual value and where does it come form?It is supposed to be the projected future value of the vehicle. Future values are projected by looking at used car sales market reports and seeing what a similar used vehicle is selling for today.8. Money Factor?This is the factor which is applied to the sum of the capitalized cost and the residual value to give you the monthly lease charge.9. How is the lease calculated?The capitalized cost less the residual value divided by the lease term gives you the monthly depreciation. The monthly depreciation added to the monthly lease charge gives you the monthly payment.10. How are taxes calculated?Each state calculates taxes differently. In NY it is the monthly payment times the lease term times the tax rate.11. What is the Bank Fee and or Acquisition Fee?This is an amount the lending institution charges to administer the lease paper. Or it could be a cash capitalized cost reduction disguised as
a bank fee or acquisition fee.12. Security Deposit?This is a refundable fee that the lending institution charges to secure or minimize their risk on the lease.13. Can I put down additional cash to reduce my monthly payment?Yes, any cash you put down is deducted form the capitalized cost and reduces the amount to be financed and lowers the monthly payment. This cash down is taxable.14. Who insures the vehicle?You, the lessee insure the vehicle. Insurance can be arranged by the leasing company and added to the lease.15. Maintenance?You, the lessee, are responsible for all maintenance that is not under warranty and or included in the manufacture’s maintenance plan. Full or partial maintenance programs car be added to the lease by the leasing company.16. License, Title and vehicle inspection?All registration fees are billed to the lessee as a one time charge.17. Manufacturers’ rebates and incentives?All rebates and incentives are applied to the capitalized cost for lease calculations.18. Can I buy the vehicle at the end of the lease?Some leases give you the option to buy the vehicle at the end of the lease, but in most cases since the value of the vehicle up-front has been inflated and it has been under depreciated, the option to buy is too high. In most cases it is less expensive to lease a new car then to buy the old one. Again this is all in the marketing scheme of the major motor companies today so it forces the used car back to them and they can control used car values.19. When I lease is the manufacturer’s warranty still in effect?The manufacturer’s warranty is the same whether no matter who buys or leases the car. It stays with the vehicle.20. Can I lease a used vehicle?Yes, in some instances it is advantages to lease a used vehicle. However it is most likely to be on a late model more expensive car that has low mileage and has been properly residualized form the original lease.21. If I lease a used car does it come with a warranty?Only if it is still under the mileage and time of original warranty. But you can buy an extended warranty form a warranty company to cover major parts of the engine and transmission. This is always a good investment and highly recommended.22. What is my responsibility at the end of the lease?You the lessee are responsible for excess miles, body damage, glass damage, neglect or abuse, excess wear and tear and any unusual tire wear.23. What is the difference between a closed-end lease and an open-end lease/finance lease?The major difference is who is responsible for the resale of the vehicle. With the closed-end lease you, the lessee are responsible as mentioned above for the leased vehicle. With the open-end lease you are responsible for the residual value. You can pay off the value and the vehicle is yours or you turn it in and are responsible that it sells for the residual value. If it sell for more, then you are credited back the proceeds, but if it sells for less then you are responsible for the deficiency. Open-end leases are best on trucks that have a longer life or high line cars that may appreciate in value or in the case where you may need an unusual amount of mileage and it does not pay for you to buy the excess mileage option.24. How come the ad in the newspaper or on TV is always so much lower then what I can get?Creative advertising is usually the case. To put an ad in the paper, on TV or radio is very costly and if a car dealer does so he better be able to get your attention. Most car dealers only know how to sell if they get you to come into their showroom. So they must entice you with something eye popping ad. What they do is back out every conceivable cost out of the amount they must capitalize in the lease and then offer mileage, terms and a vehicle which would not really work out for anyone in any situation. When the real sale is made it is a totally different story with many hidden costs. The unaware consumer only sees or hears the monthly payment, gets all excited and runs into the dealer ship where it becomes a different story.25. Credit Score?It is very important that the consumer know his credit score before he every starts to go shopping for any vehicle or for any major purchase for that matter. Most car dealers advertise their specials based on you qualifying for the super preferred rate and if you don’t then of course it is a whole different story. A different story that usually plays out at the last minute when you are left with know other option but to take their deal or be ready to walk to work tomorrow morning.26. Can I end the lease early?No, the leases written today based on over inflated vehicles which are again under depreciated make it impossible to get out of a lease without incurring substantial costs.27. What is excess wear and tear?This is usually defined by any thing on the vehicle which will need to be repaired to allow the vehicle to be sold for what it’s speculated value is. If you are concerned with a car dealer or leasing company when negotiating a lease you should get their written definition of excess wear and tear.28. Should I make any necessary repairs before I turn in the vehicle?Yes, when you know you have damage or excess wear it always pays for you to get the repairs done in advance yourself rather then leave it up to the car dealer or lending institution.29. Does it make a difference who I lease form or should I just look for the lowest monthly cost?As you can see from reading all of the above that it makes a ton of difference who you lease form. Check references and do your homework and do not fall for the lowest price at first sight.30. Car dealer or Professional Leasing Company?When you have a choice usually do your due diligence first with a professional leasing company. It is important to remember that the professional leasing company has no interest in the make and model car you lease but only in you the lessee. The professional leasing company wants you to have a great leasing experience, get the vehicle you want, at the cost you want to budget cause he builds his business on building a relationship with you. At most, not all, car dealers it is unfortunate but the only way they know how to sell is by playing a game. They must get you in the showroom. The guy who sells you the car shakes your hand and could care less about you or if he ever sees you again. It is likely that he is not building his business around you and if you go into the dealership a few months later that guy probably does not work there anymore? So in my opinion you should lease form the professional leasing company whenever possible.

Financing Cash Flow Peaks And Valleys

For many businesses, financing cash flow for their business can be like riding a continuous roller coaster.Sales are up, then they do down. Margins are good, then they flatten out. Cash flow can swing back and forth like an EKG graph of a heart attack.So how do you go about financing cash flow for these types of businesses?First, you need to accurately know and manage your monthly fixed costs. Regardless of what happens during the year, you need to be on top of what amount of funds will be required to cover off the recurring and scheduled operating costs that will occur whether you make a sale or not. Doing this monthly for a full twelve month cycle provides a basis for cash flow decision making.Second, from where you are at right now, determine the amount of funds available in cash, owners outside capital that could be invested in the business, and other outside sources currently in place.Third, project out your cash flow so that fixed costs, existing accounts payable and accounts receivable are realistically entered into the future weeks and months. If cash is always tight, make sure you do your cash flow on a weekly basis. There is too much variability over the course of a single month to project out only on a monthly basis.Now you have a basis to assess financing your cash flow.Financing cash flow is always going to be somewhat unique to each business due to industry, sector, business model, stage of business, business size, owner resources, and so on.Each business must self assess its sources of financing cash flow, including but not limited to owner investment, trade or payable financing, government remittances, receivable discounts for early payment, deposits on sale, third party financing (line of credit, term loan, factoring, purchase order financing, inventory financing, asset based lending, or whatever else is relevant to you).Ok, so now you have a cash flow bearing and a thorough understanding of your options available for financing cash flow in your specific business model.Now what?Now you are in a position to entertain future sales opportunities that fit into your cash flow.Three points to clarify before we go further.First, financing is not strictly about getting a loan from someone when your cash flow needs more money. Its a process of keeping your cash flow continuously positive at the lowest possible cost.Second, you should only market and sell what you can cash flow. Marketers will measure the ROI of a marketing initiative. But if you can’t cash flow the business to complete the sale and collect the proceeds, there is no ROI to measure. If you have a business with fluctuating sales and margins, you can only enter into transactions that you can finance.Third, marketing needs to focus on customers that you can sell to over and over again in order to maximize your marketing efforts and reduce the unpredictability of the annual sales cycle through regular repeat orders and sales.Marketing works under the premise that if you are providing what the customer wants that the money side of the equation will take care of itself. In many businesses this indeed proves to be true. But in a business with fluctuating sales and margins, financing cash flow has to be another criteria built into sales and marketing activities.Overtime, virtually any business has the potential to smooth out the peaks and valleys through a more robust marketing plan that better lines up with customer needs and the business’s financing limitations or parameters.In addition to linking financing cash flow more closely to marketing and sales, the next most impactful action you can take is expanding your sources of financing.Here are some potential strategies for expanding your sources for financing cash flow.Strategy # 1: Develop strategic relationships with key suppliers that have the ability to extend greater financing in certain situations to take advantage of sales opportunities. This is accomplished with larger suppliers that 1) have the financial means to extend financing, 2) view you as a key customer and value your business, 3) have confidence in the business’s ability to forecast and manage cash flow.Strategy # 2: Make sure where possible that your annual financial statements show a profit capable of servicing debt financing. Accountants may be good at saving you income tax dollars, but if they drive business profitability down to or close to zero through tax planning, they may also effectively destroying your ability to borrow money.Strategy # 3: If possible, only transact with credit worthy customers. Credit worthy customers allow both the business and potential lenders to finance receivables which can increase the amount of external financing available to you.Strategy # 4: Develop a liquidation pathway for your tangible assets. Equipment and inventory are easier to finance if lenders clearly understand how to liquidate the assets in the event of default. In some cases, businesses can get resale option agreements on certain equipment or inventory from prospective buyers assignable to a lender to be used as recourse against a lending facility for financing cash flow.Strategy # 5: Joint venture a sales opportunity with another business to share the risk of a large sales opportunity that may be too risky for you to take on yourself.SummaryThe primary long term objective of a business with fluctuating cash flow and margins is to smooth out the peaks and valleys and create a scalable business with more of a predictable sales cycle.This is best achieved with an approach that including the following steps.Step #1. Micro Manage your fixed costs and cash flow and accurately project out the cash flow requirements of the business on a weekly basis.Step #2. Take a detailed inventory of all the sources you have for financing cash flow.Step #3. Incorporate your financing constraints into your marketing approach.Step #4. If possible, only transact with credit worthy customers to reduce risk and increase financing options.Step #5. Work towards expanding both your financing sources and available source limits for financing cash flow.Business cycle stability and cash flow predictability is an evolutionary step for every business. The industries with longer sales cycles will tend to be the more difficult to tame due to a larger number of variables to manage.A continuous focus on the process for improvement outlined will help create the desired results over time.

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