Category Financial Services

El lado brillante de ser un contador profesional

Hay mucho más a tener un título en licenciatura en contaduría publica de la preparación y verificación de estados financieros, impuestos de cálculo y otras formas de cuentas financieras. Un contador profesional también puede obtener otras habilidades añadidas a su arsenal por tomar un título de maestría en administración de empresas u otras certificaciones profesionales, además de la licenciatura en contabilidad pública. Dicen que los trabajos de oficina, especialmente siendo un contador, son fastidiosos y sombríos. Pero con el tipo adecuado de habilidades, hay una amplia variedad de opciones de carrera, sueldos por encima del promedio, y numerosas oportunidades para un mejor reconocimiento profesional y avance profesional.

Aquí hay una serie de razones por las que es así:

1. Los contadores pueden elegir entre una amplia variedad de entornos de trabajo.

2. Los contadores pueden especializarse en más tareas, ser más flexibles y elegir su propia especialidad como una carrera de por vida.

3. Debido a su naturaleza flexible en el ambiente de trabajo, los contadores toman más trabajos y ganan más renta.

4. El prestigio y los contadores de calificaciones pueden obtener son muchos y sobre diferentes campos de especialización.

5. Los contadores tienen más oportunidades para el desarrollo y adelanto de la carrera. Un brillante futuro de carrera y perspectivas también está presente.

For more information, just visit us at http://www.uvg.edu.mx/oferta-educativa/licenciatura-en-contaduria-publica/

more

Why you need to take up trade credit insurance for your business

Every business undertaking is a risk. The risks involved are usually unforeseen. This makes it impossible to avoid them. Some risks can cause great loss or even collapse of a business. To curb this, business people opt to insure their businesses against such eventualities. This helps them to safeguard the business against the insured risks. One way of safeguarding your business is by taking trade credit insurance. This is usually provided by the private insurance companies as well as the government credit agencies.  It covers loss accrued from credit risks such as bankruptcy among others. The following are some of the reasons you may need to take such insurance for your business.

trade credit insurance

Optimized risk management

One clear guarantee that trade credit insurance offers you is that, your invoices will be paid. This is in regard whether your customers will default to pay. This is critical since it protects your cash flow. You will never suffer because of credit defaulters. This minimizes the risks involved while trying to expand or penetrate in to new markets.

Enhances increased borrowing

Credit insurances enhance you to access easy and more money. This can be used to expand the business. It enables you to have working capital without necessary fetching from your own account.  This may also stand in places where you have irregular cash flows. You are guaranteed the continuity of business even in times of cash flow problems.

Safer business growth

The joy of any entrepreneur is to watch the business grow from one level to the level. Trade credit insurance offers a safe platform for business growth. It gives you confidence to venture into new and already existing markets. This increases your sales bringing an overall business growth. It also enable you to be competitive in the business more so if you are planning to venture in exports.

Protection from catastrophic loss

Credit insurance protects your business against potential bad debt losses. It can be very tragic if you are faced with a risk that is beyond your capability. The most affected by risks are the assets. It then becomes hard to continue with the business with your assets at risks. The credit insurance protects you from all that giving you the morale to take the business to greater heights.

Facilitates a mutually beneficial relationship

 There are many factors that contribute to growth of a company. One of them is the mutual beneficial relationship between the company and the outside world. They include the customers, government and also the credit institutions. In this case, the credit insurance facilitates a beneficial mutual relationship between you the borrower and the banks. This is brought by the greater cash that will be employed in position.

Thorough customer insight

The credit insurance knowledge enables you to go for the right customers. Also helps you make good decisions relating to your business. You get to know about your potential customers as well as the nature of the market. This is of paramount importance since it will help you in making informed business decisions. Find out more at HTTP://WWW.NICHETC.COM.AU/SERVICES/.

more

What you ought to know about hard money loan in Los Angeles

If you intend to expand your real estate investment and you don’t have cash left in your bank account, all is not over. There are private money lenders who finance different investors. Loans that come in form of hard money are greatly beneficial to those who operate real estate businesses. In fact, real estate investors who don’t have adequate credit scores to get bank loans find such loans appropriate. If you wish to take your real estate business to the next level, but you find money a problem, you should plan to secure Los Angeles hard money loan. If it’s your first time to go for alternative loans, get sufficient information on:

Los Angeles hard money loan

The interest rate they offer

In most cases, different individual lenders will fix different interest rates depending on a number of factors. You will come across lenders who give loans at an interest rate of 10% while others may increase it to about 15%. What you should find out is whether the interest spread annually payable monthly depending on your ability. This becomes a good chance for the investor to expand their real estate business without experiencing the long loan processes in the banks.

Loan payment period

Most of these lenders will ask the borrower to indicate the payment duration that is convenient to them. They spread their payment period from 3 to 12 months. What you need to understand is that the interest is higher when the payment period is long. If for instance you choose to pay the loan within 12 months, the interest rate will be higher than that of a person paying the same loan within 3 months. Just like with bank loans, you should expect the interest of the Los Angeles hard money loan to vary with payment period.

Credit matters

Although these private lenders consider the credit of the borrower, they are not as strict as banks are. While banks will consider credit scores of their borrowers, such private lenders check for collections, charge offs, foreclosures, and bankruptcies. They do so to assess the ability of the borrower to pay the loan they intend to borrow. Why the private lenders don’t mind more about credit scores is because their loans are collateral based. This means they consider the value of your property than your credit scores.

Duration of processing the loan

These private loan lenders encourage and fund investors to buy other investment properties. To facilitate this, the lender processes the loan quickly to help the borrower take advantage of the available opportunity. Once you are through with filling all the relevant loan forms, the lender can process the requested loan within 3 days. Borrowers with properties such as commercial projects or residential houses qualify for bigger loans even when their credit scores in the bank are low.

Down payment

Most private lenders will expect you prove that you can repair your real estate business and still service your loan. You should also be ready to pay discount points that the lender requires before you receive the Los Angeles hard money loan. People who fail to satisfy these discount points find it hard to access this type of loan.

more