<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>badgxied.info &#187; finance</title>
	<atom:link href="http://badgxied.info/tag/finance/feed/" rel="self" type="application/rss+xml" />
	<link>http://badgxied.info</link>
	<description></description>
	<lastBuildDate>Wed, 04 Jun 2025 11:50:46 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.1.3</generator>
		<item>
		<title>The Primary Cause Of Business Financing Frustration</title>
		<link>http://badgxied.info/the-primary-cause-of-business-financing-frustration/</link>
		<comments>http://badgxied.info/the-primary-cause-of-business-financing-frustration/#comments</comments>
		<pubDate>Thu, 11 May 2023 15:57:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[basic finance]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[finance basics]]></category>
		<category><![CDATA[finance books]]></category>
		<category><![CDATA[finance bros]]></category>
		<category><![CDATA[finance career]]></category>
		<category><![CDATA[finance degree]]></category>
		<category><![CDATA[finance frauds]]></category>
		<category><![CDATA[finance kya hai]]></category>
		<category><![CDATA[finance major]]></category>
		<category><![CDATA[finance meaning]]></category>
		<category><![CDATA[finance news]]></category>
		<category><![CDATA[finance shorts]]></category>
		<category><![CDATA[finance stock]]></category>
		<category><![CDATA[finance with sharan]]></category>
		<category><![CDATA[fix finances]]></category>
		<category><![CDATA[fix my finance]]></category>
		<category><![CDATA[learn finance]]></category>
		<category><![CDATA[mba finance]]></category>
		<category><![CDATA[mba finance jobs]]></category>
		<category><![CDATA[mba in finance]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[public finance]]></category>
		<category><![CDATA[raga finance]]></category>
		<category><![CDATA[study finance]]></category>
		<category><![CDATA[what is finance]]></category>
		<category><![CDATA[yahoo finance]]></category>
		<category><![CDATA[yahoo finance premium]]></category>

		<guid isPermaLink="false">http://badgxied.info/?p=55</guid>
		<description><![CDATA[Finding proper business financing is not easy at the best of times for most small and medium sized business owners and managers.There are a number of reasons that collectively explain why the business financing market can be so difficult to &#8230; <a href="http://badgxied.info/the-primary-cause-of-business-financing-frustration/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>				Finding proper business financing is not easy at the best of times for most small and medium sized business owners and managers.There are a number of reasons that collectively explain why the business financing market can be so difficult to understand and navigate.But probably the single biggest reason is the lack of useful information about how the business financing market actually works.Business financing information and education sources predominantly come in two forms: 1) Text books; 2) Major bank advertising.If you&#8217;ve ever read through a educational finance text book or taken a business financing course, you already know how difficult it can be to apply the theories, principles, and strategies to a small or medium sized business.Our formal education system provides limited information as to how the market place works, how to plan for financing requirements, how to manage periods of growth, decline, transition, start up, etc.Sure academic books and courses can go through all these areas in great detail, but is the information practical, real world, something you can relate to and apply yourself as a manager or owner of a small or medium sized business?In most cases, the answer is a resounding NO.Most finance text books speak to big business financing dynamics that are not easily transferable to small and medium sized business scenarios.Outside of the formal education system, the next great source of business financing information is the information provided by the major banks, which they tend to make available to you by the boat load through their broad based marketing campaigns.Unfortunately, the information by itself seldom helps you determine if a particular institution would be able to provide you with financing, or what would be required to qualify for a loan.The good news is that business financing sources continue to grow in numbers as more and more lenders carve out a particular piece of the market to service.In order to take advantage of these alternatives, you need to have a solid approach in place when seeking business financing.Here&#8217;s a short list of things to consider>>> Develop a solid, ongoing, understanding of both your personal and business assets, income, and cash flow.Regardless of the business financing model, these elements will always come into play to some degree.Being able to demonstrate a solid understanding of your business financials is also an indication of your ability to manage the underlying business.>>> Monitor and manage your personal and business credit.Small and medium sized business financing is focused on both personal and business credit histories.Regular reviews of both personal and business credit reports from the major credit reporting agencies are important to avoid errors and credit practices that can severely damage your borrowing power.>>> Develop your marketing position.Yes, seeking business financing is a marketing exercise.When applying for business financing, you&#8217;re marketing your business to lending sources and they in turn are marketing their business financing programs to you.Think of the lender as a customer to better understand what they&#8217;re looking for. Then, develop a business proposal that addresses all their potential needs and concerns.>>> Research Lending SourcesThere are lots of business financing sources. But there is also lots of variation in the types of business applications each one is prepared to consider.Broad based lenders rely on credit history and net worth.  As you get more specific in terms of financing application and industry, lender programs become more narrow and can be harder to locate.You need to consider things like industry, sector, and geography when looking for business financing sources.Financing consultants and business loan brokers can be an excellent source of information to aid you in this process.>>> Qualify The LenderBefore you make a formal application, find out if the lender has the programs and lending track record to meet your specific needs.Too often, the lender is doing all the qualifying.>>> Compare your optionsDepending on the scenario, there can be several financing strategies that could work for your business.Make sure you take the time to compare before making a decision.  The extra time spent could save you considerable time and money in the long run.>>> Start TodayRegardless of what your business financing needs are right now, you should regularly invest time staying on top of your business financials, monitoring your credit, and researching financing sources that fit your industry and potential future requirements.When the time comes to acquire capital, your proactive efforts can make all the difference in getting the capital you need with terms and timing that are acceptable to your business.			</p>
<div class="mads-block"></div>]]></content:encoded>
			<wfw:commentRss>http://badgxied.info/the-primary-cause-of-business-financing-frustration/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Quick Way To Solve Lack of Bank Financing? Receivable Financing Companies</title>
		<link>http://badgxied.info/quick-way-to-solve-lack-of-bank-financing-receivable-financing-companies/</link>
		<comments>http://badgxied.info/quick-way-to-solve-lack-of-bank-financing-receivable-financing-companies/#comments</comments>
		<pubDate>Thu, 09 Feb 2023 09:26:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[finance]]></category>

		<guid isPermaLink="false">http://badgxied.info/?p=43</guid>
		<description><![CDATA[Receivable financing companies just might be the &#8216; new and improved &#8216; solution to your business cash flow challenge. Factoring companies are providing solutions that in many cases Canadian chartered banks are unable to provide based on their more severe &#8230; <a href="http://badgxied.info/quick-way-to-solve-lack-of-bank-financing-receivable-financing-companies/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>				Receivable financing companies just might be the &#8216; new and improved &#8216; solution to your business cash flow challenge. Factoring companies are providing solutions that in many cases Canadian chartered banks are unable to provide based on their more severe credit requirements for borrowers.Why then should a business owner of financial manager be looking at a receivable financing facility? That&#8217;s a typical question posed by business owners who sit down with our firm to discuss their finance challenges.The simple reason is pretty basic &#8211; accelerated business cash flow. From the day you generate an invoice and make a sale your company is eligible for immediate cash. And the good news is that you can finance all your sales and invoices, or only partially draw on a basis that suits your needs. Most companies have their own cash flow cycle, including the seasonality of the industry they are in.We have mentioned that in spite of accounts receivable financing rates ( they are higher than bank financing ) this type of corporate finance solution has become the de facto alternative to traditional business credit lines. More so for the small and medium sized business in Canada, also know as the &#8216; SME &#8216; sector. But don&#8217;t be surprised when we tell you than many larger firms use a flavor of this method of finance also.Why is being &#8216; cash flow positive &#8216; so important in today&#8217;s biz world? Simply because competition is tougher than ever and your ability to enhance your reputation with suppliers and customers is critical. It gives your firm &#8216;professional visibility &#8216;.There are in fact other forms of short term cash flow financing including sale leasebacks, financing sr&#038;ed tax credits, short term working capital loans based on solely your sales volume, etc. A/R factor financing collateralizes your receivables, but not other assets.Business clients will always ask if there is an &#8216; upper limit &#8216; to the amount that factoring companies will provide against their sales. The answer is there is no upper funding limit! Your sales revenue becomes almost an automatic ATM machine!If there is one solution that we recommend against all others for a receivable financing facility it&#8217;s a &#8216; Confidential &#8216; facility. It allows you to bill and collect your own receivables and achieve all the benefits of this type of solution.If you&#8217;re focusing on almost daily &#8216; cash flow survival &#8216; it might be time to recognize the finance solution is right in front of you &#8211; A/R finance!Seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of success in business finance.			</p>
]]></content:encoded>
			<wfw:commentRss>http://badgxied.info/quick-way-to-solve-lack-of-bank-financing-receivable-financing-companies/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financing the Purchase of a Car</title>
		<link>http://badgxied.info/financing-the-purchase-of-a-car/</link>
		<comments>http://badgxied.info/financing-the-purchase-of-a-car/#comments</comments>
		<pubDate>Thu, 09 Feb 2023 04:46:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[finance]]></category>

		<guid isPermaLink="false">http://badgxied.info/?p=40</guid>
		<description><![CDATA[Buying a car is usually the second biggest investment in a persons life, and financing the purchase of a car is commonplace now days, especially if the vehicle in question is of any substantial value. For most people, buying a &#8230; <a href="http://badgxied.info/financing-the-purchase-of-a-car/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>				Buying a car is usually the second biggest investment in a persons life, and financing the purchase of a car is commonplace now days, especially if the vehicle in question is of any substantial value. For most people, buying a new or used car of any worth outright for cash simply isn&#8217;t possible, and so car finance gives you the option to purchase, and ultimately own a vehicle that you may not otherwise be able to, much like how a mortgage is taken out to pay for a house.Even if you do have the savings, or means to buy a car out right, it is still sometimes a more sensible option to finance the purchase, as it allows you to release your money bit by bit in a controlled manner, instead of having all of it tied up in a vehicle, that could potentially get stolen, written off or simply depreciate in value considerably.The car finance industry is massive and if you are considering financing the purchase of a new car, there are a number of things to consider and be aware of, in order to help you get approved car finance. There are a number of different sources to apply for, and obtain car finance, with the obvious one being from the vehicle dealership itself, but you could also obtain finance from the major banks and online financial institutions and companies.Financing the purchase of a vehicle through the dealership is usually the most convenient option, however there are a few things you should be mindful of before approaching one. Financing through a dealership can often be &#8216;high pressure&#8217;, this is usually because the salesperson will be working on a commission basis so will be pushing for certain add ons and packages that, on the outset, may look worthwhile, but ultimately may end up costing you considerably more. Things like insurances, extended warranties, and extra options for the actual vehicle itself to push the sale value up are all examples of these commission based ad ons, and if you are financing, it can be harder to see the extra amount these things cost as they are effectively &#8216;hidden&#8217; and divided over the monthly payments, or term of the loan.Obtaining car finance away from the dealership with a bank or online institution can give you more control without the pressure of the sales push, and, once approved, you then have your budget and know exactly how much you can spend, which again, gives you more control when negotiating a price with a salesperson. However, because the finance has nothing to do with the dealership, or wherever you&#8217;re actually purchasing the vehicle from, you may not get as much support and after sales care as you would if you financed the purchase through them.When applying for vehicle finance, there are a number of different factors that determine whether you get approved, and if you do, what rate you will pay. Interest rates can vary vastly and probably the most influential factor on the interest rate offered to you will be your credit history. Put simply, the better your credit rating, the lower the rate will be, and the worse it is, the higher the amount you pay back to the lender will be, due to an increased rate.Another major factor impacting on the interest rate of car finance is the term of the loan &#8211; i.e the actual time period it will be paid back over. Usually, the shorter the period, the lower the rate, and it increases correspondingly as the term period is extended. Also, if you are wanting to finance the purchase of a used car, you will probably have to pay a higher rate than if you are buying a brand new vehicle, so this is an important factor to consider before buying. Your address and geographic location can also have an influence on the interest rate offered, as can your profession, and work history etc, so when applying for car finance, be prepared to answer a number of questions based around these areas.Before going to a dealership to purchase and finance a car, it is a good idea to do some research and be aware of current rates and offers from competing companies and banks so that you are not entering into it completely blind, and can bring then up during the application process if necessary, to aid you in any negotiations.When financing the purchase of a vehicle of any substantial value, you will most likely have to pay a deposit up front, which will represent a minimum percentage of the overall value of the vehicle, and demonstrates your commitment to the lender and the dealership, as well as helping to cover any admin costs etc. It is always advisable to put down as much as you can afford on the deposit, especially if it is an expensive car, as this will help to lower the monthly payments, give you a little breathing space and control, lessen the likely hood of you going into negative equity if you want to get rid of the vehicle, and also increase the likelihood of you getting approved for the car finance in the first place.This is probably the most important thing to consider when financing the purchase of a valuable vehicle. If, at some point down the line of the agreement, you become unable to continue paying the monthly payments, or if you simply don&#8217;t want the car any longer for whatever reason, you want to either effectively be able to hand it back to the dealership without owing anything outstanding, or to sell it yourself privately without having to cover any potentially sizable negative equity before doing so, and it is your initial deposit that can help prevent this from happening in most cases.It is never a good idea to finance the purchase of a car with a very low, or even nil deposit, as it will likely result in your payments being much greater, and if you want to release or sell the car you could very well still owe the lender more than the current value of the vehicle itself, as many vehicles (especially brand new ones) can depreciate in value considerably and surprisingly quickly after the purchase, so put down as much as you can up front to cover yourself for any such eventualities.Before committing, you should ensure you are completely aware of the total financed amount as this will properly illustrate to you the amount you are ultimately paying for the car and whether it is actually worth it or not. Generally speaking, you should consider car finance as long as you can obtain a competitive interest rate and sensible terms that will allow you to comfortably afford the monthly payment, and you should also be able to comfortably put a decent deposit down up front that represents a substantial percentage of the overall value, and to finally remember that even if you can comfortably afford the deposit and monthly payments, whether or not the overall financed amount is actually representative of the actual worth of the vehicle you want to own.			</p>
]]></content:encoded>
			<wfw:commentRss>http://badgxied.info/financing-the-purchase-of-a-car/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Shoe Repairs And Several Other Things When I Was 7</title>
		<link>http://badgxied.info/shoe-repairs-and-several-other-things-when-i-was-7/</link>
		<comments>http://badgxied.info/shoe-repairs-and-several-other-things-when-i-was-7/#comments</comments>
		<pubDate>Sat, 06 Feb 2021 02:26:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[part]]></category>
		<category><![CDATA[Repairs]]></category>

		<guid isPermaLink="false">http://badgxied.info/?p=13</guid>
		<description><![CDATA[Shoe Repairs And Several Other Things When I Was 7 My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was &#8230; <a href="http://badgxied.info/shoe-repairs-and-several-other-things-when-i-was-7/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Shoe Repairs And Several Other Things When I Was 7<br />
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to &#8220;Keep us in shoe Leather&#8221; to coin a phrase!</p>
<p>He bought several different sizes of cast iron cobbler&#8217;s &#8220;lasts&#8221;. Last, the old English &#8220;Laest&#8221; meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.</p>
<p>But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we&#8217;d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.</p>
<p>Hiking and Swimming Galas<br />
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!</p>
<p>Anyway, he often took us hiking in the mountains where we&#8217;d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.</p>
<p>We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.</p>
<p>Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.</p>
<p>Rowing Over To Ireland&#8217;s Eye<br />
That&#8217;s what we did back then, we had to go by rowboat, the only way to get to Ireland&#8217;s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!</p>
<p>But we thoroughly enjoyed rowing and once there we couldn&#8217;t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.</p>
<p>Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I&#8217;m getting lost in the past as I write, and have to drag myself back to the present.</p>
<p>Fun Outings with The camera Club<br />
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.</p>
<p>And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.</p>
<p>All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I&#8217;m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.</p>
<p>He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.</p>
]]></content:encoded>
			<wfw:commentRss>http://badgxied.info/shoe-repairs-and-several-other-things-when-i-was-7/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
