Honda Cars Mobile Site: Photos, Price Options, Offers & More #full #coverage #auto #insurance

#car dealers

[1] MSRP excluding tax, license, registration, $835.00 destination charge and options. Dealer prices may vary.

[2] MSRP excluding tax, license, registration, $900.00 destination charge and options. Dealer prices may vary.

[3] Subject to limited availability through September 2014 to residents of CA, OR, MA, RI, CT, NY, NJ, and MD on approved credit through American Honda Finance Corp. Closed end lease for 2014 Honda Fit EV for well-qualified lessees. Not all applicants will qualify. No purchase option at lease end. MSRP $37,415 (includes destination). Excludes tax, title, license, fees, registration, options and insurance. Total monthly payments $9,324. Lessee responsible for non-routine maintenance and excessive wear/tear. Lease includes collision coverage, routine maintenance, roadside assistance, unlimited mileage, and navigation system updates. Total due at lease signing is $259 plus tax and title and includes first month’s payment. Please see your authorized Fit EV dealer for complete details. For lessees who elect to install 240-volt charging equipment in their home, the charging equipment (hardware only) will be provided by Honda, the lessee remains responsible for installation and installation materials.

Car Loan Options: Used Auto Loans vs. New Car Loans #auto #repairs

#auto loans

Auto Loan: New Used Car Loan Options

Most people today need a loan when they buy a new or used car and the high cost of many vehicles often means that consumers spend years paying off the auto loan. The average length of a car loan at the start of 2015 was 67 months, about five months longer than it was in 2010.

The trend is going even longer with 30% of car loans now stretched between 72 and 84 months. The average amount financed in 2015 was $28,711 with average monthly payments of $485, a record high for both length of loan and amount financed.

Types of Auto Loans

Not all car loans are alike. The most common types of car loans include:
  • Simple Interest Loans are the most common type of auto financing available. The interest rate is based on the outstanding balance of the loan. Borrowers can save on interest costs by paying more than their standard

monthly payment.

  • Pre-Computed Loans refer to financing where all interest and principal payments are pre-calculated before the borrower and lender agree and sign the paperwork. Although this loan was widely used in the past, most people don’t opt for this restrictive method of financing because it doesn’t allow for early repayment of the loan.
  • Much more risky is borrowing money based on equity in the car you already own. These car title loans mostly appeal to people who have fallen on hard times and need cash they cannot borrow elsewhere. Interest rates on these short-term loans can be sky-high, and a borrower who fails to pay can find himself deeper in debt and at risk of losing his car.

    Now that you understand the various loan options available for purchasing a car, buyers have a number of potential sources for securing the necessary financing.

    The most common places to secure auto loans are:
    • Banks. Getting financed through a bank is typically the easiest route because commercial and private banks have large pools of capital. A bank could be your best bet if you are looking for the lowest interest rate. Banks can also be a quicker and more convenient source for car loans because they are structured to make a large number of transactions in a short period of time.
    • Credit Unions. These nonprofit organizations can offer competitive interest rates, but you need to be a member to utilize their services. Criteria for membership varies, but credit unions may focus on people who work in specific industries, live in a certain area or belong to a particular group.
    • Car Dealerships. Car dealerships offer financing to help sell cars. They often have established relationships with lenders, which can help you get a loan quickly and without a lot of legwork on your part. Keep in mind, however, that dealers typically make a considerable profit on loans, so it pays to understand the interest rate and other terms being offered.
    • Home Equity Loans. These are an alternative to a traditional auto loan. Financial institutions often lend money to borrowers based on the equity in their homes, called a home equity loan. This money can be used for many purposes but a popular one with many borrowers is buying a new or used vehicle. One particularly attractive feature is that interest on these loans is typically tax-deductible.

    How Does Car Loan Interest Work?

    The typical automobile loan is calculated using simple interest, meaning you pay interest only on the principal owed.

    This is similar to the method used in repaying mortgages and student loans, but vastly different from the method used with credit cards, where compound interest creates a much larger bill for the borrower.

    For example, a simple interest automobile loan of $18,000 at an interest rate of 9.9 percent (typical in 2015 for someone with credit score of 640) would mean monthly payments of $332.55 and cost $23,944 when the loan is paid off.

    Compare that to the same loan, using compound interest. The $18,000 loan would end up costing $32,522. Interest payments alone would be $14,523. That is why credit card debt builds so rapidly and why you should insist on a simple interest loan when buying a car.

    Car Loan Rate Tied To Credit Score

    Your credit score determines how much of the car a lender is willing to finance. You probably have heard advertisements for “zero percent interest” from dealers. They do exist, but you must have a credit score of 750 or higher to get them.

    If you have bad credit (such as a credit score under 550), the best you can hope for is they will finance 80% of the car’s value and you will have to make up the remaining 20% with a down payment.

    Credit scores and interest rates operate in a see-saw fashion on auto loans. As your credit score rises, the interest rate you pay drops. If your credit score drops, the interest rate goes up.

    For example, in 2015, a credit score of 740 would get you a 72-month loan at 2.9%. A credit score 100 points lower (640) and you’ll be paying 9.9%. Drop another 20 points to 620 and the rate goes up to 12.49%.

    To put that in dollar terms, if you finance $18,000 for the car, the difference between a very good credit score (740) and an average score (640) is $4,311 over the life of the loan. The difference between the very good and poor score (620) is $6,035 over the course of six years.

    Car Loan With Bad Credit

    It is not impossible to buy a new car with bad credit, but lending institution can make it very difficult and definitely expensive.

    Lenders know they are at considerable risk by making car loans to people with bad credit or no credit so they take as many steps as possible to minimize the danger. It is not unusual for them to ask for a substantial down payment and charge an interest rate that is at least 10 points higher than someone with good credit pays.

    This allows the banks to get closer to break even if the borrower defaults on the loan two or three years after purchase. A car loan is a secured, which means the vehicle serves as collateral on the debt. If you fail to make your payments, the lender can seize it as payment. This is much safer for the lender than unsecured debt, such as a credit card account. where the lender has only the card-holder’s promise to pay.

    A borrower with bad credit has some financing choices, but they are limited. The borrower’s best recourse is to start with a clean record, meaning pay off any outstanding car loans and other debts before shopping for a new car. That not only improves your credit score, it allows time to save up a down payment. Another option is a shorter loan term. Although the average car loan is 72 months or longer, ask for a 48-month term and the interest rate will drop by a percentage point or two.

    The next possible option is to save until you have a large down payment. If you can cover at least 20-30 percent of the cost with a down payment and take advantage of any dealer incentives and rebates when buying the car, you help avoid being in an upside-down position when financing the car. You may still have to pay double-digit interest rates at the start of a loan, depending on your credit score, but two or three years down the road, you can look for an opportunity to refinance the loan when your credit score has improved.

    If you have poor or no credit you should also consider purchasing a used car that is 1-to-3 years old. You would enjoy a sizeable reduction in price, which means borrowing less and paying less interest in the process. The good news is that interest rates on financing a late model car should be similar, if not exactly the same, as purchasing the car new.

    Negotiating A Better Car Deal

    There may be room to negotiate the final price of the car, but there is little or no room to bargain when it comes to financing the car.

    Smart buyers know their credit score before they start looking for a car and use that information to get pre-approved for a loan from their bank or credit union.

    When you decide the car model you want to buy, it’s possible to take the terms from your bank into the dealership and ask them to beat it, but only if your credit score supports it.

    Most dealerships have relationships of their own with banks and credit unions, but use a customer’s credit score as the measuring stick for what interest rate to charge on the loan. It’s possible there might be a light difference, but seldom enough to change a deal.

    What About Leasing?

    As car costs have risen, leasing has become a popular alternative to buying. In recent years, leases have comprised more than 30% of new vehicle transactions.

    On the surface, leasing and buying with a loan may look similar. Both involve payments over time, but what you are buying is different.

    With a car loan, you eventually will pay off the loan and own the car. Your payments end and you have the option of keeping the car as long as you like — or as long as you can keep it running – or selling it.

    With a lease, you likely will have a lower down payment, lower monthly payments and lower maintenance costs compared to taking out an auto loan. This is part of the appeal of a lease.

    However, at the end of the lease you do not own the car. At this point you have two options: buy the vehicle, which can require taking out a loan, or begin a whole new lease

    Options Strategies And Your IRA Account #can #i #trade #options #in #my #ira


    Options Strategies And Your IRA Account

    I receive many responses from readers of my option strategy articles. Recently one question keeps popping up, though in various forms. Do these strategies work with IRA accounts?

    The simple answer is YES, to an extent. In some cases options actually work better in an IRA than in a taxable account.

    One of the most common option strategies is the selling of a naked put instead of actually buying the underlying stock. The taxation of gain on any security (including options) that is sold short is at ordinary income rates. In an IRA this doesn’t matter as there is no current tax and all distributions are taxed at ordinary rates regardless of their initial source. So, from an IRA taxation standpoint there is no difference in selling puts and buying stock (though there may well be a difference in investment result).

    In a taxable account the same doesn’t necessarily hold true. If you hold a stock long enough the dividends and any gain can be taxed at the lower long-term capital gains tax rate. Shorting a put is always taxed at ordinary rates and can be significantly higher. This is a factor that can reduce your net after-tax yield and should be factored into your planning.

    Putting taxation aside, there are several limitations in IRA accounts you need to deal with. First is the margin account. Your IRA must establish a margin account if you are going to employ any strategy other than simply buying calls or puts. This is generally not a big deal but does require proper trading authority from the compliance department of your broker.

    The simplest level of authority allows the selling of covered calls. This is really more of a stock strategy than an option strategy but I include it.

    Next is the selling of “cash secured puts”. This is relatively easy to understand. Let’s say you want to buy 1000 shares of a stock trading at $15. This would require $15,000 in cash. Instead of an outright purchase you could chose to sell 10 puts (each put controls 100 shares). Your exposure is no greater than having bought 1000 shares for $15,000 and you need only “reserve,” or set-aside $15,000 of cash to enter this transaction. In essence, there is no leverage.

    This is different than margin in a taxable account that can require as little as 25% in margin. Taxable margin accounts increase the leverage as much as four-fold. This is either good or bad, depending on which side you land on.

    An additional limitation in an IRA account is the prohibition against short selling. Selling “naked calls” is similar to shorting the underlying and prohibited in IRAs. In a taxable account you can sell naked calls and just need to deal with margin requirements.

    This means that those strategies that include selling naked calls can’t be used.

    Strategies so limited include straddles, strangles, synthetic shorts and other derivations. Let’s say you wanted to sell a “straddle” on a particular underlying stock. This would require you to sell a put and a call at the same strike (usually at the same expiry, but not required). In a taxable margin account this would be permitted. The trade is “paired” and the margin requirement is computed on just one of the legs: the larger of the two.

    This can be a very useful tool when a trade entered by selling a put turns against you. Selling a call can offset or reduce further losses. You use little or no margin. This can’t be done at all in an IRA margin account as a naked call can’t be paired with a put (it can be paired only with a long call).

    Some readers might just “zone out” when talk turns to straddles and strangles. They often understand what they are but might not really understand how they can be used. Straddles and strangles can provide one of the easiest and most productive hedges available. Readers may want to review my article on using a strangle to hedge XLE to see these strategies in action. Unfortunately this technique isn’t available in IRA accounts.

    This leads us to the available option strategies—spreads. Included in these are calendar spreads, diagonal spreads, vertical spreads and certain butterfly and condors that fully pair options. This requires a higher trading authority.

    Let’s examine a vertical bull put spread to see the advantage of this higher trading authority. This strategy consists of selling a put at one strike and buying a protective put at a lower strike (both with same expiration). An example would be a stock trading at $25. You could sell 10 out-of-the-money puts with a strike of $24 and buy 10 protective OTM puts with a strike of $20.

    If you did not have the higher trading authority it would break down as two separate transactions. 1) a cash covered put requiring $24,000 in reserve ($24 times 1000 shares) plus 2) a cash buy of the lower strike put. With the higher authority the margin requirement is simply the difference in strikes ($4) times the number of shares (1000) or $4,000.

    Many of my portfolio strategies consist, in part, of buying far dated options and selling near dated or weekly options (calendar spreads). These spreads are all permitted in an IRA account and one need only take into account available margin balances. The IRA margin calculation for a calendar spread is the same as the vertical put. It is just the difference in strikes times the shares. So, if you bought 10 September OTM calls at $24 and sold 10 OTM December calls at $19 your margin requirement is $5000 ($5 strike differential times 1000 shares).

    If you sold a call at a higher price than the one you bought, there is no margin requirement, just cash. It is viewed very much the same as a covered call.

    Additionally, if you sell a put at a lower strike than the one you bought there is no margin, just cash.

    Whenever spreads are used in an IRA account a trading complexity can exist.

    Let’s say your IRA had $100,000 in total value broken down to $60,000 in stocks and $40,000 in cash. Let’s further say you wanted to enter into a bull put spread for 10 options on SPY (currently trading at $125). You sell ten OTM puts at a strike of $123 and buy ten protective OTM puts with a strike of $120. Your margin requirement is only $30,000 ($3 strike differential times 1000 shares) and well within your cash balance.

    A snake lays waiting for you in the brush. Let’s say SPY drops and your ten puts are assigned. This means 1000 shares are bought at $123 for a total cost of $123,000 and you only have $40,000 in cash.

    This isn’t too big a deal in traditional margin accounts as you can use margin to sell the shares. It doesn’t work that way with IRA margin and this presents a problem that may require you to liquidate other securities and suspend your trading privileges. You need to discuss how your broker will handle this to be sure you aren’t further restricted.

    This requires constant monitoring of the extrinsic value of the option to determine its likelihood of assignment. When the extrinsic approaches just a few cents the assignment likelihood increases. If the likelihood is great, you need to pre-mpt the assignment by rolling the option beforehand. If you just use cash secured puts you never have to worry about assignment as there is always enough money to cover the assignment.

    A similar problem can occur if you sell a call as part of a paired strategy and the call is assigned. You end up being short the underlying. Since IRAs can’t be short you need to cover the short immediately and need enough cash in your account to do so. If you don’t have enough cash you may encounter a trading violation and that restricts your future trading.

    When various spreads allow you to trade options with a “sticker price” in excess of your account value (leverage) you need to monitor them carefully to make sure they aren’t assigned.

    In conclusion, if you can secure the necessary trading authority many of the option strategies will be available to you. Margin requirements will restrict some of the leverage available when compared with taxable accounts. Assignment can also become a greater problem than a taxable account and requires monitoring. These are not major obstacles, but ones that need to be kept in mind.

    Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.

    About this article:

    Online Doctorate of Education: Program Options #doctorate #in #education #online, #online #doctorate #of #education: #program #options


    Online Doctorate of Education: Program Options

    Essential Information

    Several schools offer Doctor of Education programs that incorporate online classes and seminars. These programs usually also require brief on-campus residencies. In the online courses, students may be able to view lectures and complete class assignments on their own schedules. They can usually interact with professors and other students via the Web as well.

    Doctor of Education degree programs train educators to be leaders of teachers and administrators. Some programs allow students to choose an area of specialization, such as teacher leadership, special education, higher education administration and adult education. These programs usually require about two years of full-time study to complete.

    A Doctor of Education degree program focuses on research. Students generally complete courses that give them a foundational knowledge of research methodology in education. Gathering data and developing and presenting a thesis or a final research project is a major part of the doctoral program. Students take several courses in their area of specialization and base their thesis on that subject.

    As a prerequisite, students applying to these programs need to have a master’s degree. Students will also need to have accesses to software programs, such as Adobe Acrobat Professional, Adobe Acrobat Reader, Microsoft Office Professional and Norton Antivirus, to complete online coursework.

    Find schools that offer these popular programs

    • Counseling and Guidance
    • Curriculum and Instruction
    • Educational Administration and Supervision
    • Educational Evaluation and Research
    • ESL Teaching
    • International and Comparative Education
    • Library Science and Related Professions
    • Philosophical Foundations of Education
    • Special Education
    • Teacher Education for Specific Levels and Methods
    • Teacher Education for Specific Subject Areas
    • Teaching Assistant

    Doctor of Education Degree

    This online doctoral program is intensive to education and includes courses in educational leadership, program management and educational research. Students acquire skills that help them direct teachers and administrators to use funds in ways beneficial for schools, create solid curricula and develop new ways to help students learn. To be eligible for the doctoral degree program, students usually must have at least a master’s degree. There are several doctoral degree programs in education available online.

    Information and Requirements

    The online Doctor of Education program is available through a hybrid format. Students complete some courses online, some through Webinars and others through on-campus residencies. To complete the courses, students log onto the university’s Web-based application, where they can interact with other classmates, discuss questions with professors, watch video lectures, complete assignments and take tests.

    Students must have high-speed Internet and a working computer to complete the program. Software programs, such as Adobe Acrobat Professional, Adobe Acrobat Reader, Microsoft Office Professional and Norton Antivirus, are also required.

    Common Online Education Courses

    The online doctoral degree program in education can be completed asynchronously at most schools, with students completing courses entirely on their own time. Some schools also require that students participate in activities on-campus that can be completed at certain times throughout the year.

    Cultural and Social Analysis of Education Systems

    This course introduces students to various forms of classroom management, classroom reform and studies the way various social groups interact. Students analyze and apply research pertaining to different systems of educational instruction and classroom management techniques.

    Conflict Management

    This core course trains students to resolve conflicts between groups of people by analyzing the severity of the differences and finding common ground. Students discuss factors that play a role in conflict management, such as ineffective communication, different personal styles and different values.

    Leadership for Schools

    Students examine how leadership communities operate so they can understand the changing needs of the community. They study modern research in school leadership and learn practical ways to apply it.

    Policies: Public and Institutional

    Students study issues related to the operating effectiveness of an education institution. They learn about the politics that surround teaching principles and practices, organizational methods, classroom management and even the way the school is viewed by local, state and federal organizations.

    Trends, Issues and Perspectives in Global Leadership

    This course helps teachers of adult learners make their classroom’s learning experience more effective. Students analyze the role technology, brain research and globalization play in learning trends and teaching styles.

    Career Information

    With a doctorate in education, students can find careers as university professors, human resource consultants, education administrators or school superintendents. According to the U.S. Bureau of Labor Statistics, the demand for education administrators, including principals and vice principals, is expected to grow by six percent between 2014 and 2024 ( ). The median annual salary for elementary and secondary school administrators was $90,410 in 2015, while post-secondary administrators made $88,580.

    Teachers and education administrators who have masters degree and are looking to take on a greater leadership role may benefit from pursuing a Doctor of Education degree. With online courses and brief on-campus residencies, these programs allow aspiring education leaders to specialize in areas like teacher leadership, special education, higher education administration and adult education.

    Next: View Schools

    Learn about the education and preparation needed to become a paramedic. Get a quick view of the requirements as well as details.

    The U.S. Department of Education has finally released their proposed regulation defining the ‘gainful employment’ requirement.

    After a year of negotiations, the Department of Education has released a set of proposed new regulations governing the use of.

    Oversights at the Department of Education allowed lenders to improperly collect more than $600 million of student loan.

    Debt Consolidation – Debt Help & Solutions, Fox Symes, options for debt consolidation.#Options #for #debt #consolidation


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    Comcast Adds Disaster Recovery Options With ColoHouse #disaster #recovery #options


    Comcast Adds Disaster Recovery Options With ColoHouse

    Partnership With Company s Miami Data Center to Help Provide Redundant, Reliable Power and Critical Backup to Customers During Hurricane Season

    SUNRISE, FL (Marketwire Jul 19, 2011) Comcast Business Services Florida East Coast Region is launching a partnership with ColoHouse to provide customers with additional options for reliable, redundant power and data center services. The partnership with Colohouse s major Miami data center helps provide customers with the continuation of Internet and telecommunications connectivity in the event of power loss. This service is extremely important in South Florida due to the need for disaster recovery and business continuity during the hurricane season.

    During the hurricane season, the daily operations and profitability of many businesses in South Florida can be greatly affected by severe weather, said Comcast s Vice President of Business Services for the Florida East Coast Region, Steven Schmitz. This partnership with ColoHouse provides Comcast business customers additional power options to help protect their network-based operations during a major storm.

    ColoHouse s Data Center is a 24,000 square foot facility located outside FEMA s 500 year flood zone and is able to withstand a Category 5 hurricane. It s a carrier neutral operation that is utilized by many major global carriers.

    The partnership will allow customers to connect with Comcast facilities at the ColoHouse Miami Data Center to establish backup services in case of a power loss for any reason. This service extends disaster recovery services to any sized business.

    This is another example of how Comcast is revolutionizing business services in Miami by providing services that used to be obtainable only by larger companies, said Schmitz.

    Whether it s redundant power and cooling systems, modern equipment or special hurricane-rated facilities, we can offer new innovations and reliability to help ensure disaster recovery and business continuity, said Richard E. Duman, Vice President of Sales Engineering for ColoHouse. As more organizations rely on network connectivity to drive and support their daily operations, the need for BC/DR becomes even more critical to serving customers and protecting the overall integrity of the business.

    About Comcast Corporation
    Comcast Corporation (NASDAQ: CMCSA) (NASDAQ: CMCSK) ( is one of the nation s leading providers of entertainment, information and communications products and services. Comcast is principally involved in the operation of cable systems through Comcast Cable and in the development, production and distribution of entertainment, news, sports and other content for global audiences through NBCUniversal. Comcast Cable is one of the nation s largest video, high-speed Internet and phone providers to residential and business customers. Comcast is the majority owner and manager of NBCUniversal, which owns and operates entertainment and news cable networks, the NBC and Telemundo broadcast networks, local television station groups, television production operations, a major motion picture company and theme parks.

    About ColoHouse
    ColoHouse is a premier provider of network-neutral data center services in North America with 20 years of experience. With nearly 24,000 square feet of space available at its carrier-grade, SAS70 Type 2 certified, Category-5 protected, Miami Colocation facility, ColoHouse customers benefit from extraordinary customer service. ColoHouse gives businesses a competitive advantage with industry-leading security, environmental, and connectivity technologies, and a pricing structure that is best in its class. Visit ColoHouse today at

    Honda Cars Mobile Site: Photos, Price Options, Offers & More #big #bucks #auto

    #car dealers

    [1] MSRP excluding tax, license, registration, $835.00 destination charge and options. Dealer prices may vary.

    [2] MSRP excluding tax, license, registration, $900.00 destination charge and options. Dealer prices may vary.

    [3] Subject to limited availability through September 2014 to residents of CA, OR, MA, RI, CT, NY, NJ, and MD on approved credit through American Honda Finance Corp. Closed end lease for 2014 Honda Fit EV for well-qualified lessees. Not all applicants will qualify. No purchase option at lease end. MSRP $37,415 (includes destination). Excludes tax, title, license, fees, registration, options and insurance. Total monthly payments $9,324. Lessee responsible for non-routine maintenance and excessive wear/tear. Lease includes collision coverage, routine maintenance, roadside assistance, unlimited mileage, and navigation system updates. Total due at lease signing is $259 plus tax and title and includes first month’s payment. Please see your authorized Fit EV dealer for complete details. For lessees who elect to install 240-volt charging equipment in their home, the charging equipment (hardware only) will be provided by Honda, the lessee remains responsible for installation and installation materials.

    Binary Tribune – Binary Options and Forex Trading News #forex #options #trading


    Forex Academy

    We proudly present to you Binary Tribune’s Forex Academy. Our aim is to provide high-quality forex trading education for free. The academy is covering a wide range of topics and all lessons have been authored by professional active traders. Get started now!

    Forex Trading Strategies

    Sole knowledge of one or another indicator and taking into account its isolated signal tends to be insufficient in order to achieve success in the global markets. Welcome to Binary Tribune’s Trading Strategy guide .

    Price Action Trading

    We would like to present to you Binary Tribune’s Price Action Trading Guide. It provides a look at global markets from a different perspective for free. The guide encompasses a number of topics regarding trading both in trending and non-trending markets. You are welcome to begin!

    Technical Forex Trading Indicators

    We would like to present to you Binary Tribune’s Technical Forex Trading Indicators guide. Technical analysis is a field of extreme depth and variety. In this guide we provide an extensive compilation of technical indicators, which may suit the trading style of any trader.

    Day Trading

    With our Binary Tribune Day Trading Academy we aim to get you acquainted with one of the most popular trading styles and to continuously guide you through the process of becoming a better trader.

    Meta Trader 4 Guide

    MetaTrader 4 – the platform which earned the trust and respect of retail Forex traders worldwide. Learn all the functions and discover an array of options, which may improve your trade results in Binary Tribune’s MetaTrader 4 guide.

    Social Trading

    We are launching our Binary Tribune’s Social Trading Academy. The goal of this guide is to introduce the idea of social trading to anyone who is interested in making money by utilizing the knowledge and skills of others.

    Binary Options Academy

    Welcome to Binary Tribune’s Binary Options Academy. In this guide one may discover a different view of the global markets. Binary Options are instruments, that ideally fit the preferences of a thin-budgeted trader.

    Founded in 2013, Binary Tribune aims at providing its readers accurate and actual financial news coverage. Our website is focused on major segments in financial markets – stocks, currencies and commodities, and interactive in-depth explanation of key economic events and indicators.

    Financial Risk Disclosure will not be held liable for the loss of money or any damage caused from relying on the information on this site. Trading forex, stocks and commodities on margin carries a high level of risk and may not be suitable for all investors. Before deciding to trade foreign exchange you should carefully consider your investment objectives, level of experience and risk appetite.

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    Copyright 2017 Binary Tribune. All Rights Reserved

    Business financing options #business #financing #options



    What is ‘Financing’

    Financing is the act of providing funds for business activities. making purchases or investing. Financial institutions and banks are in the business of financing as they provide capital to businesses, consumers and investors to help them achieve their goals. The use of financing is vital in any economic system, as it allows companies to purchase products out of their immediate reach.

    BREAKING DOWN ‘Financing’

    There are two main types of financing for companies: debt and equity. Debt must be paid back, but it is often cheaper than raising capital due to tax considerations. Equity does not need to be paid back, but it relinquishes ownership to the shareholder. Both debt and equity have their advantages and disadvantages. Most companies use a combination of both to finance operations.

    Equity Financing

    Equity is another word for ownership. For example, the owner of a grocery store chain needs to grow operations. Instead of debt, the owner would like to sell a 10% stake in the company for $100,000. Companies like equity because the investor bears all the risk; if the business fails, the investor gets nothing. At the same time, giving up equity is giving up control. Equity investors want to have a say in how the company is operated, especially in difficult times. So, in exchange for ownership, an investor gives his money to a company and receives some claim on future earnings. Some investors are happy with growth in the form of share price appreciation; they want the share price to go up. Other investors are looking for principal protection and income in the form of regular dividends.

    Debt Financing

    Most people are familiar with debt as a form of financing because they have car loans or a mortgages. Debt is also a common form of financing for new businesses. Debt financing must be repaid, and lenders want to be paid a rate of interest in exchange for the use of their money. Some lenders require collateral. For example, assume the owner of the grocery store also decides that she needs a new truck and must take out a loan for $40,000. The truck can serve as collateral against the loan, and the grocery store owner agrees to pay 8% interest to the lender until the loan is paid off in five years. Debt is easier to obtain for small amounts of cash needed for specific assets, especially if the asset can be used as collateral. While debt must be paid back even in difficult times, the company retains ownership and control over business operations.