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Alternative Financial Programs and Alternative Financial Sources

An alternative financial program is a plan offered by a commercial financial company that business owners turn to when they have been denied financial assistance by traditional lending institutions such as banks. Traditional financial agencies usually turn down business owners with high debt, previous financial difficulties, or needs for start-up capital. Commercial finance companies are willing to loan more than a borrower’s worth. However, these companies also charge higher interest rates because of their willingness to lend to high-risk individuals.

Commercial lenders offer a variety of alternative financial programs, such as loans against a business’s inventory, accounts receivables, equipment, and property. Loans against inventory or accounts receivables are intended as a means for a business to obtain a short-term cash flow. Equipment and property loans last anywhere from two to ten years, depending on the amount needed and the amount of collateral.

Commercial lending companies also offer loans based on a business’s profitability, not its collateral. To be considered for one of these types of loans, a business owner must supply personal and business financial statements, tax returns, and other documentation. Creditors also take into account the value of the business’s assets. These loans range from two to ten years and can be completely or partially secured.

In order to take advantage of the best alternative financial plan available, business owners must take into account the amount of money needed, the terms of repayment, and the value of their assets.

An alternative financial source is an untraditional source for building capital for a business. Alternative financial sources are usually chosen when an individual has been denied by a bank’s strict requirements for start-up loans. Whether a business is in need of start-up capital or needs to increase its equity, there are many financial sources to choose from.

One source is a factor, a company that buys a business owner’s account receivables instead of lending against them. The finances of the customers are more important than the individual’s financial stability. Factors calculate how much to give in advanced funds, and then collect that amount from the customers, which earns the factors a three to six percent profit every month. Once the entire balance is paid off, the factor subtracts the amount advanced and pays it back to the individual.

Another alternative financial source are asset-based lenders. These are commercial and household lenders that loan advanced funds with traditional loan to value ratios. These companies usually require some type of collateral, such as accounts receivable, property, equipment, and vehicles.

One alternative financial source that is not recommended to start-up business owners is a credit card. Using a credit card to fund a business could lead quickly to out-of-control debt, especially due to high interest rates. Credit cards should only be used to ease the purchasing process, and they should be paid off as quickly as possible.

Security of Farm Property and Detouring Crime

Introduction

Farms as well as urban areas have crime involving vandalism, burglary and thief. Residences and farms are some of the main targets for burglary. About 60% of farm operators report that they have been victimized at least once during their farming years. Many of these farmers were victims of several different kinds of crimes and multiple instances of the same kinds of crimes over their years in farming. The most frequently damaged property involved Residence on Farmland and farm fences or gates. Other types of burglary and vandalism include Farm building(s), farm machinery, farm equipment, woods, livestock, and crops.

Lack of surveillance capability is a cause of a cause of a higher incidence of crimes of this type. For example, Amish do not have electricity and thus no electric lights. For this reason they have higher incidents of these crimes than those with electric lights on the property because it is easier for people to sneak up on the property in the dark when there are no electric lights.

Ways to Deter Criminals

There are some simple steps you can take to deter, deny, and delay a criminal from committing burglary on your property.

Lock doors – You should Install secured dead bolts on all exterior doors to your residence, barns, and other buildings on the property. You need to take steps to keep your property, trailers, stables, farm buildings; machinery, and livestock safe and protected from criminals. Protect your buildings and machinery from thieves by keeping them locked up when not in use. Make sure your equipment is kept in a building behind a sturdy locked door, or use a locked metal enclosure when unattended. But having locks installed is only part of the job – you must use them all the time to be successful. It is also imperative to add commercial locks for any sliding glass doors or use a rod in the track to stop burglars from prying it open.

Secure windows — Windows are another entry point of burglars so inspect your windows.- Windows can provide thieves with an open enticement, use metal grilles or bars to protect them from being points of entry. Add a sliding bolt to improve double-hung window safety. You need to pay particular attention to basement windows. Windows at ground or below ground level provide easy access points for burglars.

Install lighting — Illuminate your home, driveway, barns, and other buildings at night. Consider motion alarm sensors that turn on light when there is motion. Bright lights and good illumination will detour criminals causing them to think twice about approaching because they don’t want to be seen. It is also a good practice to use timers on a number of indoor lights in the home giving the impression that somebody is at home and active.

Secure perimeter — Securing the perimeter of your property and out buildings to help discourage thieves. Trim landscaping to increase visibility. Try to eliminate hiding places for possible burglars. This adds another level of protection. Check the fences and hedges around your property to locate weak locations that could provide criminals or vehicles with unobserved access. If possible make less vulnerable. Think about restricting admission at the entry to your property to stop unwanted vehicles entering.

Secure your machinery, vehicles and tools — Equipment, machinery and tools are very important to thieves so try to maintain them secure. Keep your vehicles locked or immobilized when they’re not being used. You should by no means leave your keys and valuables in cars, tractors and other vehicles or equipment. Do not leave valuables in your vehicle. If burglars don’t see a reason to break in your vehicle they won’t.

Do not leaving machinery in secluded locations or fields primarily next to roads where they can be taken without notice.

Keep tools locked up when you’re not using them to prevent them from being stolen or having a burglar use them to gain entrance to your protected possessions.

Keep records — Keep a list of your tools along with any identifying marks and serial numbers.

Mark your tools and machinery so they are easily visibly identified. This not only acts to deter thieves, and also helps the law enforcement capture the criminals and reunite recovered stolen possessions to the rightful owner.

Assess your vulnerability – Evaluate the possible risk for burglary to better understand your situation. You might start an area watch group, and high-tech electronic alarm systems.

Use animals to help provide security – The use of a barking dog and other animals such as guinea fowl can help detour intruders and alert you of their presence.
Summary

This article has presented just a few basic options that can be used to assist you in making your property secure and reduce the likelihood of being targeted by burglars.

Expose Your Car: Tint, Protection, and Repairs

Window Tinting

UV Protection

Surprisingly, installing window tint can save big bucks. Examples, tint can block the sun’s rays, while protecting the interior of the vehicle. Additionally, having tinted windows can protect the skin against UV and UVB rays. Those particular ultraviolet rays are known to cause cancer in the skin. Moreover, tint reduces the required efforts on a vehicle’s air conditioning unit. The vehicle’s interior will not be adversely affected by the heat waves that regulate in force during those hot summer days.

Privacy

Get more privacy with window tint. Ideally, your privacy increases, because the blocking ability of darkened tint will reduce the ability of others to see inside of most vehicles. That is plus for gamers and movie watchers that love to enjoy their portable electronic devices of today (i.e. DVD players installed in the seats and headrests, laptops, etc),

Paint Protection

A great money saver is great paint protection. Paint protection provides the kind of protection, for both buildings and vehicles that will last for years. Thus, protecting the value of your investment, while adding perfection to its appearance. Additionally, there are certain additives that encourage the protection elements of paint protection: protection from road debris, properties of weathering-offering a molecular barrier among external conditions.

Sealant

Sealant protection causes paint to last longer. Most paint shops provide services that include sealants that use artificial carnauba wax; certain polymers, resins, and certain synthetics. Additionally, there are sealant polishes, as well.

Car Wax

Composed of carnauba wax, car wax is a very useful solution to paint protection. Paint protection does sponsor taking care of paint. Therefore, the application of a lasting wax would be a great service to provide, as well. Ideally, some car waxes last up to six months. Additionally, the paint job is enhanced with a glossy finish that will make most anyone notice. The look is wet, while proving a temptation to touch.

Windshield Repair

Windshield repair is an essential benefit for almost all vehicle owners. In relation, windshields can cost hundreds of dollars; compared to the cost of windshield repair. Additionally, some insurance companies do cover the cost of having window repairs performed on a vehicle.

Smoked Tail Lights

Smoked tail lights are popular enhancements for show cars. The tint comes in two ways: vinyl tint or spray can. NOTE: Although smoked tail lights are available for installation, there may be regulated restrictions on where these cars may be operated. Additionally, there are other services, which include hid-lights that will add to the look of your vehicle, too. To top it off, Headlight restoration is available for your headlight repairing needs.

Ultimately, there are many services that are well worth the time and money investment. Keep your vehicle’s interests in mind to become one of the most valuable assets on the road today. Great options are available for vehicle owners. Services like windshield repair and metal protecting paint jobs are available. And window tinting services are always popular for vehicles, too.