March 12th, 2009 at 04:03pm
Under Leases-Leasing
I was driving my son to his 8th grade semi-final football game a couple of days ago when it struck me like a bolt of lightning. Sitting at a red light, the car in front of me, the cars to my left and right, and the car behind me…were all Toyotas. I stopped to ponder this and wondered what are the odds of being stuck at a light and being surrounded by 4 Japanese cars, all from the same manufacturer?
Thirty years ago, I would have taken the odds and placed the bet, but today, it is more common than we all probably realize. So, being a financial coach, I thought I should do some research and understand this phenomenon a little better. The facts I discovered are shocking to say the least, so fasten your seat belt and get ready for this…
The stock market value (the market capitalization- all the shares of stock of a company multiplied by the current stock price) of Ford Motors(F) and General Motors (GM) COMBINED is $34 billion.. Seems like a pretty decent number, right? Pull that seat belt a little snugger…the stock market value of Toyota Motors (TM) is a staggering $193 billion!! Toyota Motors is worth 5 1/2 times the value of our two remaining American stalwarts COMBINED. 28 years in the investment business and I had no idea that it had gotten so out of control. The investing world has voted and Toyota is the overwhelming winner.
So let’s peel back this onion a little more: what gives here? What happened and when did this all occur?
Toyota will complete its fiscal year 2007 on March 31, 2007, and its revenues will be about $196 billion, followed by March 31, 2008 at about $210 billion. The earnings per share (EPS) expectations for March 31, 2007 is $7.67 per share, and March 31, 2008, $8.45 per share. For a company of this massive size, 10% earnings growth is quite admirable. Shareholders equity at Toyota is $90 billion. All very impressive numbers.
As for our two American companies, the news is not so good, and the overall income statement numbers are a bit depressing. GM’s revenues for calendar 2006/2007 are expected to be $170 billion for both years. Flat revenues, no growth whatsoever. Ford’s revenues for calendar 2006/2007 is also expected to be flat at $144 billion for both years. Ford will lose money this year and next, while GM is scheduled to be profitable for both years, but with negligible growth.
GM and Ford are saddled with huge long term debt, $285 billion and $154 billion, respectively; and very low shareholders equity at about $14 billion each. So where do we go from here?
Toyota is the leader in developing the hybrid line of autos, half combustible engine, half electric. Consumer surveys are showing great confidence in Toyota’s leadership position with the Hybrids. The Camry is also the number one selling car in the United States; not the number one import–the number one seller period . Toyota’s luxury line, Lexus, also leads the pack in customer satisfaction surveys and repeat buyers. Repeat buyers has been the strategy of Toyota since the 1970’s. Smother the customers with service, decent pricing and quality and guess what? They come back for more.
Toyota sells each car at a profit. Their operations are lean, efficient and cutting edge. Meanwhile, GM and Ford are hurting with exorbitant medical benefits costs to both their current workers and their retirees. Both companies have to play defense before they can play offense. Both have begun the painful exercise of plant closings, layoffs and extreme cost cutting. It is their only way out of the financial quagmire both are mired in.
Both GM and Ford have been rumoured to be involved in merger discussions with several different European auto makers. It may be a necessary outcome for their survival. Both companies need a major cash rich, profitable partner to go the distance. I predict that in the next 3-5 years, GM and Ford employess will be speaking a foreign language just to get along with their new partners or owners. Anybody remember Chrysler?
Well, we got to my son’s game a little early…his team eeked out a victory. When we got back to our car to go out and celebrate (that’s an ice cream treat for an 8th grader), guess what kind of cars were parked to my left and right? You guessed it….
Georges yared has been in the investment industry for 28 years. He was a broker, branch manager, Regional manager and President and CEO of a major division all with Dean Witter Reynolds (now, Morgan Stanley) from 1979-1992. From 1992-2006, Georges was a senior partner and in charge of International sales at investment banking, research boutique firms Wessels, Arnold and Henderson (1992-2002) and ThinkEquity Partners (2003-2006). Georges worked with professional portfolio managers on their US stock investments. In his career, he has worked with over 5,000 individual investors, over 100 professional portfolio managers, 150 research analysts, and has traveled and advised over 150 growth companies. Georges is the author of two new books, Stop Losing Money Today…The Art and The Science of Investing and Baby Boomer Investing…Where do we go from here? Georges website is www.stoplosingmoneytoday.com and www.georgesyared.com
Author: Georges Yared
Keywords: Financial coach, stocks, market capitalization, General Motors, Ford Motors
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March 12th, 2009 at 04:03pm
Under Leases-Leasing
After information technology, the property or real estate rental sector is the most dynamic sector in the Indian business scenario today. Major factors that are responsible for bringing about this change include, increasing popularity of electronic commerce among people, growth in information technology/information technology-enabled services industry, emergence of India as an important investment centre in the world market, growth in foreign direct investments and others. This budding sector is today witnessing development in all its major segments like, residential, retail and commercial in all of the metropolitan cities of the country like Delhi, Mumbai, Chennai and Kolkata.
At present the countrys commercial and residential real estate market has a price tag of about $50 billion, and is expected to grow 25% in a yearly basis. This growth in the property market is being led largely by the rapid expansion of its information technology industry and the simultaneous growth in the purchasing power of the Indian middle class. Major growth is being witnessed by the commercial property sector as more and more multinational companies are entering the Indian market. Foreign information technology and customer services companies of the BPO sector are renting large commercial spaces in order to expand their business process in India.
The growth and the highly mobile nature of the Indian middle class have brought about a boom in the residential real estate segment. Today, people are ready to pay large sums as rent for apartments, flats and homes in metros. The rapid rise in the number of lessee has been compensated by reciprocal growth in the number of lessor. People have come to know the residential real estate as an important investment option. Today, they are investing heavily in the residential real estate market and their homes and apartments for rent and this has further boosted the property rental sector in India.
Moreover, the key factor behind the sudden rise of the Indian real estate sector is the changing policy of the Indian government toward foreign direct investment and joint ventures. The Indian government is relaxing and is keen to liberalize its trade regulations for multinationals. So, from investors point or price everything is gearing up for a rapid growth in the property rental sector in the next few years. For those who are interested to invest in India this seems to be the right time.
Smantha Sen is an associated editor of website www.realtymantrarentals.com. The website is a rent guide, dedicated to provide all information required for rental properties all across India. Your queries and suggestions are welcomed at smanthasen@gmail.com.
Author: Smantha Sen
Keywords: residential rental,commercial rental
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March 12th, 2009 at 04:03pm
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Telecommunication equipment can provide the lessee with many advantages that are not available if the equipment is bought or rented. Research in this field has proved that approximately $2,169,999,458 worth of equipment is leased by businesses in the United States of America each year.
The primary reason behind telecommunication equipment is that offers many advantages such as tax deductions, balance sheet management, flexibility, better asset management, improved cash flow, easy upgrades, and immediate write offs.
Telecommunication equipment needs regular upgrades because of the ever-changing technology. The risk of getting stranded with obsolete equipment is imminent if the equipment is not leased but is bought directly from the market. This is the main reason that the telecommunication industry is dependent on programs.
Different types of equipment that can be leased include multiplexes, switches, telephone systems, voice processing hardware, transformers, and routers. Leasing has many advantages and the most important of them all is that the lease does not appear as a debt in the lessee?s financial statement. This bolsters the financial condition of the lessee.
Leasing any type of equipment helps the lessee in retaining the financial strength of the company and thus provides working capital that is necessary for the smooth working of a business. The internal revenue service does not consider the lease as a purchase but rather a tax-deductible overhead expense and the tax burden on the lessee is considerably reduced.
Leasing also provides the lessee with flexible payment options and payments can be made according to the income if the income is seasonal in nature. Some companies also provide the lessee with working capital and the amount is usually fifty percent of the net asset value that is being leased.
Leasing telecommunication equipment provides the lessee with state-of-the-art equipment at cheaper rates and helps the business to compete with other companies in the same field. This may not be the case when the equipment is bought, because other companies may oust a new company that is not performing well because of lack of proper equipment.
Equipment Leasing provides detailed information on Equipment Leasing, Transportation Equipment Leasing, Equipment Leasing Companies, Medical Equipment Leasing and more. Equipment Leasing is affiliated with Commercial Leasing.
Author: Jason Gluckman
Keywords: Equipment Leasing, Transportation Equipment Leasing, Equipment Leasing Companies, Medical Equipment
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March 12th, 2009 at 04:03pm
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The most frequently asked question about is the advantages behind it. People want to know about the benefits of over buying any type of equipment. The most prominent advantage of is that it provides the lessee with working capital that can be used for maintenance and upkeep of the equipment. Another advantage that the lessee has is that he can add equipment that is contemporary at any time during the lease period. This advantage is not available when a person buys the equipment instead of it.
Another frequently asked question is about the definition of ‘lease.’ Lease can be defined as an agreement or a contract between two parties that explains the terms and conditions such as the time period of the lease, payment options and the date of return of the equipment.
Questions regarding cancellation of a lease are also common but canceling a lease is not possible. The lessee is bound by the law to make payments according to the terms and conditions in the contract, even if the equipment that is leased is not in use.
Queries about tax payments are frequent and people want to know whether there are any tax deductions when a lease contract is signed. The lessee must pay the taxes that are connected to the lease such as sales tax, which is charged separately and has to be paid with the monthly payments of the lease.
Questions about procedure for acquiring a lease contract are also raised. The first step in any type of equipment is the filling out of a simple one-page form that is called the credit application form. After sending out the financial information to the lessor, the lessee has to wait for the lease documents that are sent to him for signing.
The most important question arises if the equipment is damaged. There is no replacement guarantee in the lease contract and it is better to insure the equipment because the entire lease contract depends upon the condition of the equipment at the end of the lease period.
Equipment Leasing provides detailed information on Equipment Leasing, Transportation Equipment Leasing, Equipment Leasing Companies, Medical Equipment Leasing and more. Equipment Leasing is affiliated with Commercial Leasing.
Author: Jason Gluckman
Keywords: Equipment Leasing, Transportation Equipment Leasing, Equipment Leasing Companies, Medical Equipment
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March 12th, 2009 at 04:03pm
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Dental equipment such as dental X ray machine, dental chairs, dental tables, carts, billing software, and laboratory test equipment can be leased at many companies that provide services as a lessee.
Dental equipment can be used to any equipment that a person may need to run his business. Almost any type of gear can be funded without affecting the lessee’s personal credit. The more equipment that a person s by means of unsecured lines of credit, the more it impacts the concerned person’s credit rating and exploits precious emergency resources.
Dental equipment has no impact on the personal credit rating and keeps the unsecured types of credit accessible for emergencies and increases the buying power of the lessee. Dental equipment also has many tax advantages. Dental equipment increases the person’s liabilities and that results in a lower tax encumbrance.
Dental equipment is very expensive in the United States of America and buying it can be a great financial risk. To avoid any hassles it is better to lease equipment rather than buy it. This option provides the lessee with a cheap and effective alternative to renting.
Almost all equipment begin with an acceptance or commencement. The lessee inspects the equipment and announces it as fit for service. When the lease begins then the equipment belongs to the lessee even if the equipment is in a lessor’s warehouse. A lease shouldn’t begin until the lessee has started to use the equipment successfully.
It is important to inspect the equipment before , because once the deal is signed then the lessee has to pay the lessor even if the equipment does not work.
Almost all have a quote about the ‘fair market value’ at which the lessee has to return the goods to the lessor. A lessee needs to understand how the value is calculated and the charges that it includes. It is advisable to hire an accountant or an attorney in order to avoid any legal hassles in the future.
Equipment Leasing provides detailed information on Equipment Leasing, Transportation Equipment Leasing, Equipment Leasing Companies, Medical Equipment Leasing and more. Equipment Leasing is affiliated with Commercial Leasing.
Author: Jason Gluckman
Keywords: Equipment Leasing, Transportation Equipment Leasing, Equipment Leasing Companies, Medical Equipment
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March 12th, 2009 at 04:03pm
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There are numerous equipment companies in the United States that provide as an option for those customers who want to use quality goods at a cheaper rate.
Leasing is a much better option when the equipment that is leased is most likely to become outdated or obsolete. Such problems are common because of the continuously changing state of technology and new inventions that, if not used, can prove detrimental to a company’s success. This can happen because experienced competitors can make the company go bankrupt through fierce competition.
Automotive repair equipment includes heavy as well as small tools that can be leased if there are companies that provide such services. The equipment that is being leased must have a high market value and if this condition is not satisfied then the purpose of a lease is completely defeated. Cheap equipment can be bought directly in the market and are not worth . However, if the equipment is expensive then it is a much better option because this gives the lessee an opportunity to use state-of-the-art material at much cheaper rates.
There is an automotive repair software available in the market that gives instructions and guidelines for repairing a car or any vehicle. The software can be called a tool or equipment that helps the owner or the driver to repair his car without taking anyone’s help and such software are available on lease.
If the tools are to be acquired in bulk then is a much better option compared to buying. If a fleet of cars is to be maintained then the tools required would be in large quantities and the option becomes economically viable. A big advantage of tools and equipment is that the lessee does not have to spend huge amounts of money for acquiring top quality equipment. This is the reason why eighty percent of the companies in the United States of America lease their equipment instead of buying it.
Equipment Leasing provides detailed information on Equipment Leasing, Transportation Equipment Leasing, Equipment Leasing Companies, Medical Equipment Leasing and more. Equipment Leasing is affiliated with Commercial Leasing.
Author: Jason Gluckman
Keywords: Equipment Leasing, Transportation Equipment Leasing, Equipment Leasing Companies, Medical Equipment
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March 12th, 2009 at 04:03pm
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Ah, that’s the $64,000 question!!!
There are a few ways to answer that question and it shouldn’t be any surprise that the answers pretty much rest with you, your lifestyle and financial preferences, however, if you stay with me for a couple of minutes I can give you some food for thought that could have a bearing on your decision …
Are ya with me??
Excellent!!!
If you want to modify the vehicle in some way, if you rack up the miles, if you want to own the vehicle and /or if you want to keep your vehicle for several years … then …. finance.
If you want to keep your monthly payment down (I’ll explain that in a second), if you don’t put too many kms on in a year, if you want to get into a new vehicle every 2-4 years and/or if you have a business income where you can claim monthly payments for a vehicle … then …. lease.
Sounds pretty reasonable, right??
Ok, let’s go a little further …
When you decide to finance a vehicle, what you are doing is paying on the full amount of the vehicle plus the tax and interest for the given period or term you have agreed upon, be it 3, 4, 5 or in some cases even 6 years.
When you lease a vehicle you are paying for the amount of the car that you are driving over a period of time. That time can be anywhere from 2-4 years depending on you. You are paying taxes on the monthly payment NOT the entire purchase price. In addition to that at the end of the term you have a couple of choices you can make, you can decide to:
A. buy the vehicle at the end of the term and drive it,
B buy the vehicle at the end of the term and sell it, or
C. give back the keys and get yourself into a new vehicle altogether
Now, I get people who say to me but if I lease I don’t own the vehicle. You are totally correct you don’t own the vehicle, however, if you think about it, when you finance you don’t own the vehicle either. It isn’t yours until you have paid it off in full. Here is one more thing to think about … let’s say your family is getting bigger and you now need a bigger car. You still owe on your current car and when you went in to see about using it as a trade you find that you are upside down (you owe more for your car than it is actually worth). With leasing you don’t have to worry about being upside down.
One more thing you should know. With a lease you have GAP protection and here is how it works. Let’s say you are involved in an accident (heave forbid) and the car is totalled, you insurance company comes back and says the vehicle is valued at $20,000 but your lease at the time is sitting at $25,000. As long as you have met all the requirements with respect to the lease agreement, then you are totally covered. You are not out of pocket. It’s the reverse for financing, reason being because you own the car. So, in the same scenario, you are responsible for the difference between what your insurance will cover and the value of the car.
Take this a step even further and let’s do the math … Let’s see how the numbers work out on a 36 month lease and finance.
Lease Finance
Payment 486.39 x 36 Payment 764.84 x 36
= $17510.04 = $27534.00
So we see how the monthly payments break down between and lease and finance. If we look at the difference we can see that if we went the lease route over the 36 months we would have saved ourselves $9648.00 (764.84-486.39×36) that YOU keep in your pocket. In addition with the lease you have three options available, you can:
A. buy the balance owing on the car (residual) and keep the car
B. buy the balance owing on the car and sell it, or
C. give the keys back and get into something new
The decision rests with you in the end, however, models change, tastes change, even our needs change. Leasing certianly offers you much in the way of flexibility and doesn’t tie you down.
Dennise Ryder is a Sales Consultant with Toronto Chrysler. Visit her blog At http://www.autotalk.wordpress.com for more information, email her at: dryder@torontododgechrysler.com. Avoid the pitfalls, get the straight talk about buying your next vehicle.
Author: Dennise Ryder
Keywords: car finance, car leasing, leasing, finance, buying, auto finance, auto lease
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March 12th, 2009 at 04:03pm
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Unsecured car loan is the ultimate choice of the borrowers who do not have a home of their own. Having no home of their own they cannot go for car loans that are secured against home equity. Unsecured car loan do not require any property to pledge and hence it remains the only favourable option left to them.
This loan is accessible to a wide range of borrowers in UK. Tenants, people living with their parents, employed, self-employed and retired persons are all eligible to take this loan. Most importantly, unsecured car loan comes to be a very good alternative to the homeowners who do not like to put their home at stake.
For any borrower an unsecured car loan remains a favourable option of financing a car primarily because of its risk free nature. Since this loan does not require any collateral, so there is no risk of losing it. Secondly, this loan is processed rather quickly. The absence of collateral eliminates much of the time killing paperwork. So, the borrower is provided the cash at a relatively quicker speed.
In addition to that there is also the scope of saving the amount of cash spent in assessing the property. In order to take a car loan secured against property it is necessary to make an assessment of the value of the property. The expenditure of evaluating the property is generally paid by the borrower. In unsecured car loan there is no collateral, so no property assessment and hence no evaluation cost.
Unsecured car loan is offered to borrower with poor credit record. Since some lenders charge high interest from borrowers with bad credit past it is necessary to explore the market to pass up such lenders and go for the suitable one.
About The Author
The author is a business writer specializing in and credit products and has written authoritative articles on the industry. He has done his masters in Business Administration and is currently assisting Loans Bazaar as a specialist.
For more information please visit: http://www.loans-bazaar.co.uk
Author: Amanda Pane
Keywords: Unsecured Car Loans, Car Loans UK, New Car Loan, Secured Car Loan, Online Car Loan, Bad Credit Car L
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March 12th, 2009 at 04:03pm
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If you have a company that requires your employees to have company cars, you will want to look into leasing cars. The reason for this is that leasing cars will be affordable and will provide you with a warranty on all their vehicles. There are many leasing companies that are more than happy to work with businesses because they know that if the business has a good experience with them they will continue to lease cars for the long term.
Leasing cars for your company can be very easy. Much of the time you can actually end up leasing cars online or over the phone, so you dont have to haggle with pushy salespeople. This is the best way to lease cars because as a business owner you dont have the time to deal with salesmen or women that want to sell you something you dont need. Leasing cars for your company is as simple as providing the leasing company with all your business information including your financial statements and such.
Leasing cars for your company is much wiser than actually buying the cars outright, even if you have the funds to do so. The reason for this is that when you look into leasing cars you will realize that you will make the same monthly payment, but at the end of the term, you can bring the car back and upgrade to something newer and more reliable. This means that your staff will always have nice, new cars to drive.
Christain Cullen is a successful webmaster and writer. He has over 350 websites online which offer help or information on a diverse range of subjects, from 1031 Exchanges to Pet-Birds to Flying Schools to Plasma TV.
His latest online Directory can be accessed @ angelogy.com.
Everyone is welcome to visit and there is a contact page for any questions you may have.
Author: Christain Cullen
Keywords: leasing cars, salespeople, businesses,
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March 12th, 2009 at 04:03pm
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You have come to the end of your auto lease and you enjoy you automobile enough you want to buy it. However, you must do some research in order to get a great deal.
To begin with, you should find out the cost of buying out your lease. Read the fine print of your contract and try to find the purchase option price.
The price is established by the leasing company and typically includes the residual value of the car at the end of the lease as well as a purchase-option fee ($300 to $500).
When you signed the contract, your monthly payments were calculated as the difference between the cars price and its expected value at the end of the lease, and also a monthly financing fee.
This estimated price of the vehicle value at the end of the lease is called residual value. It is the loss in value of the car over the lease period. For instance, a car which costs $40,000 and a 50% residual percentage will have an estimated $20,000 value the end of the lease.
Once you know this, you must find out the actual value, also called market value, of your car. In other words, how much does your vehicle retail for in the market? To identify a good, reliable estimate you should carry out some pricing research.
Check the price of the car, with similar condition and mileage, with several dealers. Visit web sites, such as Cars.com, Edmunds.com as well as Kelly Blue Book for detailed pricing information. This will give you a reasonable estimate of your cars retail value.
Now, you need to compare the two amounts. If the residual value is lower than the actual retail value, you have a winner. However, there is a good chance a vehicle coming off a lease is on the high side.
Do not lose hope though. Leasing companies are familiar with the fact that residual values on their cars are greater than their market value. Because of this, they always try to find fair offers. You can reduce the price of your leased car with some persuasive negotiating tactics.
Go to these web pages to learn more about Leasing versus Buying a Car as well as How to Get Out of a Car Lease.
Author: Alex Fir
Keywords: car leasing, auto lease, cars
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