August 2016


Why a Factoring Company Is Ideal for Your Business

Getting conventional business loans is very stressful and this has made many business owners go for invoice factoring. Just like banks, working with factor companies have drawbacks as well. Determining whether invoice factoring is suitable for your business or company is a personal decision.

Businesswoman standing up with colleagues in background

Some of the best factoring companies can help you deal with cash flow hiccups in your business. There are a number of customers or clients who make payments very late, and this can negatively affect your business if you don’t have reliable sources of funding. Waiting for 30 to 90 days for a client to accept an invoice isn’t the right thing to do. And since you need to pay for operational expenses such as suppliers, payroll or rent, you need to find an alternative source of funding such as invoice factoring.

Small as well as big businesses or companies can depend on factoring companies for advance payments but they can sometimes be costly. In fact, it is expensive as compared to conventional business loans. These companies will make advance payments of up to 95% of the amount on invoice but this depends on your invoice diversification, sales volumes as well as customer credit quality. Since some of these companies charge different types of fees, you can highly benefit from them if your company or business has a profit margin of 15%. So, you need to do a good research to determine if invoice factoring is appropriate choice.

The most important thing factor companies cannot miss to check is if your customers or clients are creditworthy. The companies only accept invoices of your solid customers who then pay them the amount then they will pay you the remainder after deducting their fees. You will only qualify for invoice factoring if your commercial clients or customers have good credit as well as payment histories. These companies will check your clients’ credit including payment histories and then offer you advance payments.

Any factoring company will verify your invoices to determine to buy or not to buy them. This helps them in checking if your client is satisfied with your service or product. The verification process usually differ from one company to the next.

It is important to know if you are eligible for invoice factoring. It is very crucial to make sure that the invoices you are selling are free from security interests or liens. The liens can develop in case your business has unpaid loans and the loaning institution files claim your invoices as collateral. Taxing authorities can also file a claim if your company has tax lien. Liens can also be created if you have a court case or lawsuit. The good thing about factoring companies is that they can still work with you even if you have severe tax issues but you will need to hire a lawyer because the process is much more complicated. Even if a bank rejects your application, you can still get funds to run your business from a factor. The factor will look if your invoicing practices are good and if your clients have excellent credit as well as payment histories.


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Finding the Best Factoring Company: Things to Consider

Finding an alternative source of money to buy necessary materials or inventory, or pay your employees and hire new ones, or expanding your business operations is a great idea. Many clients or customers take days or even months to pay for invoices and waiting for them is a viable option. It is for this reason why many factor companies have sprung up lately to help small as well as big business solve their financial troubles.

Best Factoring Company

But, how do you find the best factoring company since there are so many of them already? If you do a Google search, you will be surprised at many results that will be displayed. Actually, the available factoring businesses serve different kinds of industries while some are only interested in a certain field. Plus, these companies have different contract terms, programs as well as fee structures. In addition, there specialties differ greatly so you need to be very careful before settling on a particular company.

Finding the right factoring company can sometimes be overwhelming because of so many choices. The company you thought was appropriate may turn out disastrous later. You already know that factoring is a great financing options, you need to be careful with the choices you are making. The best way of tracking down the suitable company is comparing the services as well as rates of multiple factor companies. You need to keep your eyes wide open on extra fees, experience or contract terms a particular company is offering.

When it comes to finding the best factoring company, it is important you know how much the company will be buying your invoice, the factoring fees as well as the reserve requirements. Also, it is important to know if there are hidden fees. Some of the factor companies require you to pay application or ACH fees so you need to check these as well. If you don’t compare the fees carefully and settle on the cheaper option, you may be surprised later that the option is the most expensive.

Knowing the level of customer service you can expect from the factoring company is also an important consideration. You need to work with a company that is prompt in answering your calls or emails and if possible offer face-to-face meetings. It is the responsibility of the factors to collect money from your clients and you would love them to do so in way that doesn’t tarnish or damage the name of your company. Customers’ reviews or testimonials will give you a clue of the level of the service you can expect from a factor.

How flexible is the factor? Can he or she finance all your invoices? Can he or she finance only the invoices your clients are taking long to pay? Does he or she work on long-term and short-term basis? Can you trust the factor? These are the questions that should cross your mind before settling on a particular factoring company. Finding a company that have real experience is undoubtedly great way of making your business reach its potentials but that doesn’t mean that new factors can’t help you out.  There are a number of industries require experience and expertise in factoring invoices.

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Compare car insurance policies online and invest in the best suitable car insurance

Many residents in our time are eager to compare various options regarding the car insurance online. They have an objective to find out the most suitable car insurance and invest in it. On the other hand, they do not aware about how to compare car insurance policies in detail. They can make contact with the most reliable general insurance company Youi Pty Ltd and begin their step to get the customized car insurance policy. This insurance company is known for its professional guidance from the beginning to end of the insurance policy selection among an array of options.


The most appropriate car insurance 

It is the right time to get online car insurance quotes and compare all these quotes based on your car insurance requirements in recent times. Once you have planned to identify and buy the most outstanding car insurance policy, you can feel free to visit this leading company online on the go. You will get the complete support and the most expected car insurance policy within your budget. A smart way to get a customized car insurance policy saves your time and overall efforts to invest in the right policy. You can consult with car insurance experts and make a good decision about your car insurance selection successfully.

Many people who have bought a new car or a used car at the first time confused with how to decide on the car insurance. They do not have focused on car insurance policies before now. They require the best guidance about the car insurance and compare car insurance as per their overall requirements. They can feel free to get in touch with a committed team of car insurance experts in this reliable company and realize their wishes about the most competitive price of the first-class car insurance online.

Choose the car insurance online

All clients of Youi in our time are satisfied with the following issues.

  • 24/7 emergency claims assistance
  • Free car hire soon after theft
  • Dedicated claims advisor
  • Emergency roadside assistance
  • Flexible excess
  • Customized car insurance policy
  • The prompt support
  • Transparency
  • The most secure payment system
  • Regular updates

Once you have decided to get the first-class car insurance Australia within your budget, but beyond expectations on insurance benefits, you can contact Youi directly. You will be satisfied with the best collection of car insurance policies and customized car insurance solutions at the most competitive prices.

All users of car insurance quote comparison websites these days are confident and happy to visit Youi. They are satisfied with the prompt support and the most excellent car insurance policy from a committed team in this reputable company.  They can take advantage of the comprehensive car insurance coverage and get rid of all problems caused by flood, hail, storm, theft and fire. They will be happy to get the most outstanding car insurance within the budget and use this insurance policy beyond their expectations.  Many clients of this company suggest car insurance policies for their friends nowadays.

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OS 2 ICM Best Company to Work for When Starting Your Financial Career

The Best Company to Work for When Starting Your Financial Career

  • Independent Capital Management: ICM offers great financial management jobs in Newport Beach that are dedicated to helping clients build their wealth. The leading experts with knowledge of various financial disciplines staff this full-service financial consulting and management firm.

Financial Career

  • Pence Wealth Management: This source for financial management jobs in Newport Beach state they help those ‘planning for [their] dreams’ and have been doing so for many years. They are the so-called pioneers of the strategy of ‘choke-point investing’ and advocates of the principle that cash flow trumps volatility.
  • Commerce National Bank: This Southern California institution offers many financial management jobs in Newport Beach. This bank is an active, full-service branch that has served the community for many years.
  • Sageview Advisory Group, LLC: This financial services company offers financial management jobs in Newport Beach that many people seek-out. This investment advisory firm serves those interested in retirement plans, 401(k), defined benefits, and other compensation plans.

To learn more about Independent Capital Management and why we’re the best company to work for when starting your financial career, please call 800-600-2620 or visit


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Tips for Being an Effective Forex Trader

It can be easy to get overwhelmed by all of the charts, numbers, and ratios that are involved with forex trading. When viewed in this manner, it can seem like an impossible venture to trade. If you really want to succeed with currency trading, however, what you really need is sound advice and some experience. This is because the best traders have learned to sharpen and refine their trading skills. It is only by analyzing their trades and their methodology that they determine which technique serves them best. This is good news for you as you too can easily figure out the best way to place trades. Here is some advice to help you along:

Choosing the Right Broker

Being a trader is not an independent venture. You need a partner, and in this case, it is your broker. This is why you need to be careful about the broker that you choose. You need to ensure that they are experienced as well as capable and reliable. Just as important, however, is that you are comfortable and are able to communicate with your broker. This is why it is a good idea to form an alliance with hands-on, experienced agents such as Neto Trade. This way, you will be able to place your trades in good hands and be confident in the outcome. This is something that you cannot put a price on.

Your Trading Style Should Fit You

As an individual, you have certain strengths and weaknesses. It is important to discover the technique that is compatible with you as a person. It is only then that you will be able to make sound decisions and actually profit from your trades. It can be as simple as deciding whether to be a day trader or position trader. If you are the type of person who likes to wrap up their affairs at the end of the day, then you will be better off as a day trader. By contrast, if you do not mind monitoring your trade for some months, then you might be better suited to the tactics of a position trader. Making this discovery is one of the first and most important things that you can do for yourself as a trader.

Pick a Method and Stick With It

If you wish to be effective, then consistency is key. In order to pick a good strategy, you will first need to educate yourself. This means understanding all of the factors influencing a trade. This way, you will be able to utilize this knowledge to your advantage. Thus, you can successfully exit or enter a trade, making a profit. Everyone has their own method that they prefer to utilize. For some, they rely heavily upon technical analysis. Others prefer to depend upon the fundamentals of the economy. While you need to be consistent about the strategy, you should leave some room for fluidity, nonetheless. This means being able to adapt your chosen technique to the ever-changing dynamics of the market.

Determine Success Level

Now that you have picked a method, you are going to want to determine how successful it actually is. This can be done by calculating the expectancy of future outcomes. The formula for this is:

E = [1+ (W/L)] x P – 1

Here, W refers to the average winning trade, L is the average losing trade, and P is the percent win ratio. The answer that you get from this equation is indicative of the return in cents on the dollar.

Forex trading is part science, part experience. It may take you a little while to get to the level that you desire, but in time, you will certainly begin to see more wins than losses

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UK Investors Bracing for Brexit Pain

British investors are gearing up for even more shockwaves from the Brexit vote. July saw equity holding slashed to the lowest level in five years, while many investors saw the property allocations in their portfolios halved. According to the July 15 – 27 survey Reuters conducted of UK-based funds, there have been distribution shifts since the June 23 referendum that resulted in a win for those in favour of leaving the EU.

Ripples from the vote have already been reverberating through the economy, with significant hits to consumer demand. Furthermore, according to JLL, property prices have been seen nudging the UK into recession.

What’s Been Happening Since the Referendum?

Since the referendum, the UK-focused FTSE 250 index has seen a recovery from its losses over the past month. This is due to expectations of more stimulus from the BoE. However, investors seem to be bracing for pain in the months to come. The financial markets have remained generous to global investors in the past month, despite the economic backdrop and the fallout from the vote being well documents as bad news for the economy globally.

However, along with these uncertainties comes the typical response from leading central banks. They continue to discuss the possibility of further loose monetary policies that could assist the global economy, and the prospects for additional actions, such as helicopter money. The latter is a reference to the central banks delivering money almost directly to consumers.

A Look at Safety

UK asset managers are clearly rattled at the thought of further turmoil ahead, which has led them to ramp up bond allocations, which saw a jump of five percentage points – the highest level in about five years. This increase has come at the expense of equity allocations across global portfolios, which were slashed from 47 percent to 42.6 percent in June. Exposure to property almost halved from 6.5 percent to 3.8 percent.

Property investment has come into sharp focus following the vote, with more than six British property funds suspending withdrawals in an attempt to tackle myriad redemptions by investors who are feeling unnerved by the uncertainty of it all. Reuters polled fund managers to find they are divided over whether global bond yields have sunk. While people have seen the peak in global monetary slowing down, they have also realised that shocks could see delays in the increase of interest rates.


The low rate environment will likely see a persistence in the ‘hunt for yield.’ However, the longer term return prospects for higher quality bonds looks weak. Over $10 trillion in bonds from the developed world are in negative yield territory, which ups the pressure on investors to hunt for returns at a time of incredible risk.

Within investor’s bond portfolios, the exposure to UK government securities tumbled by six percentage points. That may well be a reflection of currency shifts. Across equity portfolios, investors have trimmed exposure to US and UK stocks. How will the Brexit pain continue to play out? Time will tell.

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