Category Archives: Business

Unsecured Business Loans

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Unsecured business loan

 

An unsecured loan is a loan that is not backed by collateral such as property, whether it is land, an investment property, the family home or a commercial property.

 

As an unsecured business loan is not backed by collateral, it represents greater risk to the lender and the rate is typically higher to compensate the lender for the greater risk being assumed.

 

Does your Business have a need for cash flow right now?.  Australian Mortgage Centre can offer a fast, flexible and simple solution for any business requirement. 

 

You may need funds for the below:

 

  • Funds to start new contacts or jobs
  • Debt Consolidation
  • Operation Expenses
  • Marketing & Advertising
  • Renovations
  • General working capital
  • ATO tax arrears ( lending parameters )
  • Opening new sites
  • Purchasing Inventory/EquipmentDo you meet the following?

 

  • Trading for a minimum of 12 months
  • $5,000 per month in revenue

 

We have made it easy to apply with:

 

  • No Application fees
  • Unsecured Loan
  • Approval within 24hours
  • Payments based on cash flow
  • Funding available within 3 days

 

Click here to apply Now unsecured business loans

  • Business loans are between 3-12 months, with the average loan being 6-9 months.Loans range from $5,000 to $250,000 with easy daily/weekly repayments.

 

Private Money Lending

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The term Private money  is a commonly used in banking and finance. It refers to lending money to a company or individual by a private individual or organization. While banks are traditional sources of financing for home purchases, and other purposes, private money is offered by individuals or organizations and may have non traditional qualifying guidelines.

There are higher risks associated with private lending for both the lender and borrowers. There is traditionally less “red tape” and regulation to assist towards quicker successful approvals.

Private money can be similar to the prevailing rate of interest or it can be very expensive. When there is a higher risk associated with a particular transaction it is common for a private money lender to charge an interest rate above the going rate.

There are private money lenders in virtually every Australian state , seeking a chance to earn above average rates of return on their money. With that comes the risk that a private money loan may not be re-paid on time or at all without legal action. However, in the case of a real estate private lending the lender can ask for a deed on the property in their name & insurance on the property the same as a bank lending money would require as collateral to help insure they be repaid in the event of a default on the loan or risk to the property.

In that case the lender gets the property and can sell it to recoup their investment. Private money is offered to customers in many cases in which the banks have found the risk to be too high for them to finance the offer.

Amazon Jeff Bezos

Could Facebook Driven Affiliates Do An Amazon On Amazon Itself?

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Amazon Jeff Bezos

Amazon’s Supreme Court Request for Equal Weights & Measures:

The obvious downside of equal weights and measures in online retail is both profound and important. A dynamic tax system can serve as a powerful tool for leveling up the playing field… for what a smaller online retailers may lack in buying power and market reach of companies of the size of Walmart and Amazon they can make up for it through government leniency through a dynamic (situation fluency) tax system.

Amazon has changed retail and Amazon knows its size has now attracted the taxman and while they are officially supporting the tax they desire to stop new players from entering the market by exploiting the tax loophole that ironically built Amazon to what it is today.

Amazon officially supports the federal law called the Marketplace Fairness Act which requires that all online retailers collect tax and have agreed to pay it in states such as New Jersey and California but where Amazon does have a problem with the dynamics of the tax law. For the law is very liberal and volume driven as small online retailers would still be exempt of paying this tax in some states.

We all know that Jeff Bezos is one intelligent entrepreneur and his request for the use of equal weights and measures in our tax law through his Washington, D.C., attorney Ted Olson is both fair and reasonable but the question is if its good for America? Being on the other-side of the coin it does seem hypocritical for the role of government is to try and foster competition which sometimes means taxing the larger payers more than one would the little guy. The obvious downside of equal weights and measures in online retail is both profound and obvious for little payers who often lack the buying power and reach of companies like Wallmart and Amazon would still have at least one small tax advantage through this kind of situation fluency tax system.

From Amazon’s perspective it is clear that for one to secure long term dominance they need a uniform tax law that does not discriminate between the size of the online retailer as all would be taxed evenly. So while it was ok for Amazon to get big on this tax loophole they appear to fear a new wave of Facebook driven affiliates doing an Amazon on Amazon itself.

There is no doubt that Amazon is a great company and had served America well but at the same time it is now a significant player and it has now entered the nostrils of the one who is greater (competition watchdogs). The bottom line is clear and that is that a more dynamic and flexible tax system is more practical and can better serve the American consumer by reducing market entry obstacles for new businesses through its volume related tax law giving a rare advantage to smaller players. While Jeff Bezos is right from a purely legal standpoint – the truth is – that if a legalistic tax system is applied equally to all this could have serious ramifications and serve a major blow to competition itself. For in my opinion governments should encourage competition through a flexible tax system for when it comes to price it is competition that ultimately keeps us all honest.

[box type=”shadow”]peter-malaczynskiArticle by Peter Malaczynski:

Peter is the chief engineer at HAGOOLE Price Comparison in charge of analytics, statistics and strategic game theory. Follow Peter @HaggleSearch

*Blog post views are my own and not those of my employer [/box]

Before you buy HAGOOLE

Return On Investment

Are you earning enough income from your investments?

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Return On Investment

Generally income is the cash flow generated from an asset such as term deposits, bonds, equities and property. How much importance you and your clients place on receiving a regular income from your investment, can potentially affect your lifestyle.

People opt for less volatile, or defensive, assets such as term deposits and bonds, particularly during volatile times. While this makes sense, we believe you should keep an eye on the income you are receiving from these investments.

[box type=”shadow”]How is income calculated?

• Term deposit:

    The income from the term deposit is known as the interest rate. It is calculated by dividing the cash flow by the value of the investment.

• Share in a company stock:

    The income from the share is known as the yield. It is the annual dividend paid per share as a percentage of the share price.

• Residential property:

    The income is known as the yield. It is the annual earnings from rent as a percentage of the property’s value.

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Don’t forget about the impact of rate cuts on your investment income!

At AMP we believe that defensive assets can be an important anchor for your investment strategy, they can provide stability and a regular income. Don’t forget that Term deposits and savings accounts that were paying more than 6% pa a year or two ago, are now paying less than 4.5% pa¹. So for every $1,000 you would have received from a term deposit when rates were 6% pa, you would now only receive $750 at a rate of 4.5% pa.

Shares as a source of long-term income

Shares can generate income for you when the company pays dividends to its shareholders. The advantage of this is that if the company is continuing to make a profit, you may receive a regular income, which is generally paid on a half-yearly basis.

As investors, we tend to focus on the capital growth potential of shares rather than the income they provide.

However, Australian shares have proven to be a good source of long-term income through dividend payments.

Article Source: Homeloans