Asset Finance – What Can It Do For You?

For a lot of businesses, big or large the cost of buying brand-new assets outright can be a very costly procedure. For new businesses who are new to trading a major and necessary purchase such as equipment or machinery usually leaves a huge dent in an owner’s wallet and a business’s cash flow. Even for established businesses who have strong foundations expensive new assets will make a hit into cash flow.

But buying assets outright doesn’t always have to be the case. Asset finance can be a brilliant way of breaking up large payments, as well as allowing businesses to secure assets over a set period of time. Monthly payments are much more manageable, giving businesses the opportunity to adapt their cash flow and get assets.

There are several different types of asset finance, but generally they all have the same premise. Leasing and Hire Purchase are the two most common as each let you pay a monthly fee. The exact terms will always come down to the arrangement which is put in place with the selling company, but not only does asset finance stop a business taking hefty sums out of its profits, it also means there isn’t too much cash tied up in a single asset. Having a good flow of cash is essential, cash is key, so having affordable payments means managing cash flow much easier and offers greater scope to spread the cost of an asset.

Asset finance is effectively a form of lending. It enables a business to pay off their assets gradually over time. At the end of the contract a business will end up owning the asset. As well as asset finance easing cash flow, it gives businesses the opportunity to get the most up to date pieces of equipment, which they might not necessarily be able to afford as a one-off payment.

Hire Purchase & Leasing

Although leasing and hire purchase are similar, there is one major difference between them. Leasing is almost identical to hire purchase except, at the end of the contract instead of owning the asset outright, you can instead return it, upgrade it, or pay off the remainder of the contract to legally own the asset. Hire purchase, very similar except you will automatically own the asset at the end of the contract.

Pros of Asset Finance

With asset finance a business will have greater access to more expensive, better equipment which the business may not have been able to afford, if it were buying assets outright
As asset finance is paid in instalments, budgeting and creating cash flow forecasts is much simpler
For growing businesses or businesses looking to replace assets, it allows them to manage cash flow much more effectively and not spend large amounts of funds on brand new assets
For leased assets, if there are any problems, the leasing company will carry out maintenance used on the asset.
Cons of asset finance

If a business does not manage its monthly instalments, any assets can be taken away. It can also have a negative effect on the credit rating of the business, as well as future borrowing.
Failure to pay can result in items being repossessed
The length of some asset finance deals can be quite long, during which time new or better assets may have become available
If an asset is in the process of being paid off and it is damaged or stolen, the insurer may not cover the whole cost, with the business having to cover the shortfall
Although asset finance has its negatives. It can be a fantastic solution for businesses who are struggling with their cash flow, or are looking to replace equipment with top of the range assets.

What Kids Say Counts: Child Testimony at California Custody Hearings

When a California divorce involves legal determinations regarding children, the resulting complexities can pose challenges even if the couple is generally in agreement. Statutory provisions regarding child support and custody require that children’s best interests must also be taken into account.

California recently provided even stronger attention to children’s expressed interests in child custody determinations. Following recommendations from a statewide family law task force, California legislators approved more effective child custody procedures to improve the experience for both parents and children.

The changes to the way child custody determinations are made include several new provisions for participation by children in legal proceedings when their parents divorce:
- Children who are at least 14 years old should be allowed to express their preferences regarding custody or visitation orders unless the judge finds that doing so would not serve the child’s best interests
- A family court judge can allow younger children to testify about grants or modifications of child custody or visitation if they are “of sufficient age and capacity to reason so as to form an intelligent preference”
- Parents, family law attorneys, and evaluators now have formal procedures for informing family court judges that a child would like to appear at a hearing

The law also required the California Judicial Council to establish new procedures for examination of children who appear as witnesses, and these new rules took effect at the beginning of 2012. The rules are intended to protect children from embarrassment or the potential for harassment, and include the power to limit parental access to hearings when children testify if necessary.

A child’s expressed wishes about which parent he or she would prefer to live with is a highly relevant factor in child custody determinations, as well as considerations about particular holidays or access to school programs and activities. However, the full range of factors must still be taken into account, including a mother or father’s allegations of parental unfitness, domestic violence or other issues involving responsible parenting.

A California child custody lawyer can help a parent assess his or her prospects for securing physical or legal custody of a child or children. Just as important, a family law attorney can assist parents with the legal process for modification of existing custody terms. This is true whether the client is concerned about the effects of job relocation or wants to oppose the other parent’s petition for a change to visitation.

Article provided by Law Offices of David P. Schwarz
Visit us at www.davidschwarzlaw.com/

Sensual Tips – Easing Into Alternative Bedroom Activities

Many couples are into the oft-maligned “vanilla” sensuality, referring to sensual activity that is fairly straight up and devoid of any off-kilter or atypical aspects. But many sensual advisors and specialists think that this is due not to a disinterest in the more off-kilter aspects of sensuality so much as a reluctance to admit to having an interest. Men who are interested in some form of alternative sensual activity (and who are prepared to practice good, protective male organ care while pursuing it) may find the following sensual tips useful in exploring this option.

Be brave.
People build up personas that define themselves. There’s nothing wrong with that, but sometimes people get defined in a way that doesn’t truly reflect all sides of them. This can be especially true when someone has a desire to move beyond “typical” sensual activities. It can take courage to just broach the subject of this desire, even with a partner with whom one has shared much already. But if delving into this area is important to a man, his first step is to find the courage to take the first step of talking about it.

Don’t spring it.
If this desire is going to come as a surprise to a partner of long standing, it’s best not to just blurt it out. Finding a way to ease into the conversation is preferred. Some like a “joking” way: When passing a sensual supply shop, perhaps a man might say, “Hey, do we have time to pick up a whip and a few manhood rings?” in a joking manner. But later on that night, he can refer to that: “You know when I made that joke about the sensual toys?” and follow up with, “Well, I was wondering if maybe there are some new things we might want to try out some time.”

Talk first.
Once the subject has been broached, if the partner is receptive, it’s a good idea to talk things through first. Talk about the things that are of interest to both parties. It’s good to set up a non-judgmental and honest framework: Both parties should talk about what interests them and how they feel about what interests the other person. Any resistance to participation should be discussed and respected. A partner should also be open about how far he or she is willing to go. And both parties should realize that they are free to change their minds – either before, during or after an exploration.

Start slowly.
Most couples find it helps to start slowly. Rather than starting off with props, for example, perhaps a little role-playing with, say, an imaginary set of handcuffs or a faux-leather bra is desirable. Some light rubbing of the posterior might be a good lead-in to actual spanking later.

Pick words.
Safe words are a good idea if the alternative sensual activity gets a little too intense. Participants can choose a word that, if they utter it, means things have moved beyond their comfort level and they should stop now.

Know how things work.
Before employing props in one’s sensual play, make sure both partners know how they work. For example, a cage for the manhood may be fun during some role-playing, but will be less fun if neither partner knows how to remove it.

No list of sensual tips is complete without a reminder to have fun – and for men to make sure their bout of off-kilter sensual activities doesn’t affect their male organ health. Since soreness may result from rough play, having on hand a quality male organ health crème (health professionals recommend Man1 Man Oil) is a must. A crème with a good combination of moisturizers (Shea butter and vitamin E, for example) and antioxidants (such as alpha lipoic acid) can do wonders for alleviating transient member soreness. Also important: a crème with vitamin C, which is an aid in collagen production and male organ tissue firmness. After all, one needs to refresh and revitalize one’s manhood to be ready for whatever new games may be coming one’s way.

Visit http://www.menshealthfirst.com for additional information on most common member health issues, tips on improving male organ sensitivity and what to do to maintain a healthy manhood. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.