As a businessman, you always possess a myriad of concerns, from the administrative aspect down to the non-core functions. You always wish that there were easier ways to do things, particularly in the financial aspect. They are the cause of the constant headache for a most of the businessmen. Here outsourcing accounting services works.

For any type of business, the entire accounting department is one of the functions that could easily be outsourced. If a business needs total relief from the complex procedures of financial processes, then the business ought to switch to outsourcing accounting services. There are lots of businesses, small or big, and even franchises who are into outsourcing accounting services. An in-house accountant or bookkeeper is now obsolete because having these professionals over the Net is now the trend today.

By outsourcing accounting of your business, you deal with a combination of experienced and skilled accounting people using updated accounting software and channeled through the web-based financial document transfer system. With that, you get accurate and timely financial reports in order to confidently man your business. It is like an extended accounting department headed by a team of professionals pooled together with their vast experience and ideas.

Outsourcing accounting services of your company also frees you from rigidly training your accounting personnel. The service providers are highly-trained and are closely monitored and supervised by their CPA Managers. You do not have to maintain any accounting staff anymore or part-time accountants for that matter. In addition, you have an easy access to these service providers as they are available 24/7 over the net. As reports are required, they are immediately presented also.

I will recommend accounting services Singapore


By outsourcing accounting services of your company, you will be advantaged in terms of the following:

– Reducing operating costs through reduced manpower and overhead expenses for salaries, allowances and insurance,

– Improving efficiency by concentrating on more relevant functions like marketing and product development,

– Be relieved of non-core functions,

– Freeing up resources through cost reduction,

– Saving on training costs for your accounting personnel,

– Avoiding the cost of updating your technology through your accounting software.

– Getting access to professionals with specialized skills of the accounting service provider,

– Improving speed and service on submission of financial reports as they are needed,

– Providing reliable and accurate financial reports, and

– Increasing customer satisfaction by being able to focus on their needs.

Available Accounting Services

These are the common services offered by outsourcing accounting service providers:

– Accounting Software

– Accounting Reconciliation (Receivable and Payable Reconciliation)

– Inventory Reconciliation

– Payroll Processing and Payroll Administration

– General and Subsidiary Ledger Maintenance

– Cash Flow Management

– Budgeting

– Bank and Credit Card Reconciliation

– VAT Services

– Taxation Services

Outsourcing accounting services is basically there to provide total business relief from the accounting functions of the company and focus on supervising and running the business. Rather than trying to be on top of the books, he/she can divert efforts into leading the business into the right track.



Even if you are armed with an abundance of knowledge in SEO, you may still need the services of a professional SEO company. Having strong knowledge of SEO is hardly sufficient in some cases. Even if you are doing your best to attempt to obtain a good ranking for your website, you might still wind up wondering why your website is simply not doing well. For starters, you must understand that your website will have to be fully optimized in all elements. Not just that, but your website has to be maintained on a regular basis. SEO is a continuous process that includes a great deal of time and effort. To make things simpler, you will be better off utilizing the services of a competent SEO company to do the work for your website.

There are numerous SEO companies today, and there are a lot of trustworthy companies as well as unreliable ones. Thus, it is crucial that you select the perfect SEO Company. Here are 10 important points that you must keep in mind when selecting SEO services:

Site Evaluation Guide

Does the SEO firm offer you a site evaluation guide? A reliable SEO firm should have the ability to provide you with an extensive analysis of your site, regarding ranking and design structure. This can be done by performing a website audit. The result of this website audit will allow the SEO firm to offer you a proposal of how much work needs to be done to bring you to a certain level of ranking. They must be able to advise and troubleshoot all aspects related to performance, content, and design that might hinder the reading or indexing of your pages.

Tools in Figuring out Keywords

What tools does the SEO Agency use to look for keywords? Do they offer competitive analysis based on your chosen keywords? Understanding what methodology the SEO Agency utilizes for keyword evaluation or research is very important. It will be a great help if you perform your own due diligence using basic tools, such as conducting keyword research and analysis through the use of keyword planner in Google AdWords.

Backlinks to Website

Where will the SEO Company return links from? Backlinks are just as, if not more, vital in SEO than onsite optimization. The SEO Company should be able to obtain high-quality backlinks from reputable websites that are highly related to your niche. Ask your SEO Company what techniques they employ for gathering backlinks.

Cost Structure

A dependable SEO Company will not just give you a quote once they figure out how much work has to be included. Charging you high costs will not necessarily ensure you receive high quality services. It also doesn’t ensure that the rate being quoted is proportional and consistent with the services you anticipate the SEO Company will provide. A good SEO Agency should be able to give you a rundown of services to which the performance and price contract will be based upon.

The Timeline

Does your SEO Company provide you with a timeline? It is through hard work and correct planning that results can be attained on time. Some SEO Firms offer SEO plans that claim to put you in the very first page of search results in just a matter of 10 days. Realistically, however, no SEO Company can guarantee you the number 1 position in Google in as short as 10 days.

An SEO campaign will take 6-18 months to deliver the top outcomes you expect. Make sure you don’t give in to false pledges. Conversely, avoid SEO services that provide you with a time limit. A good SEO company knows that optimization is an ongoing process and they should be able to offer you regular maintenance, customer support and proper upgrading.

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SEO Technique

What SEO strategy will your SEO Company use to raise your ranking? You should look out for companies that will utilize spam advertising methods to rank you on top in no time. If the strategy includes any form of dishonest practice, such as spamming or deceiving online search engines, then you should instantly turn away.

An excellent SEO company will certainly see to it that you will not be subjected to spam or misleading services. Keep in mind that if it is based on using deceitful strategies, your site might be taken out of Google’s indexing, which will certainly lead your site to being blacklisted. Knowing your SEO Company and doing your own research on how proper SEO is done is extremely vital in choosing the ideal firm.

Providing Targeted Traffic

Do they understand the distinction between plain traffic and targeted traffic? You will hire the services of an SEO Company mainly due to the fact that you need to attract traffic into your website. However, what you need is targeted traffic that gets you visitors who might be genuinely interested in purchasing your products or services. This is based on your desired keywords in order to generate leads.

You don’t want irrelevant traffic that comes to your website because of irrelevant keywords. Unqualified traffic only enhances your bounce rate (surfers that arrive on your page and immediately leave) and not your sales. The right SEO Company will create relevant content for your website and distribute it to relevant channels, social media and Press Releases (PR). This will potentially lead to natural backlinks that will enhance your overall ranking in the search engine.

Transparent Deliverables

A professional SEO Company should have a clear course of action to attain the desired results in a given time frame. They should be able to show the client what’s being completed for the first month and subsequent months. With this, you will be able to determine how much work is being done in relation to your costs, allowing you to determine your ROI. A clear outline of work in the proposal should be available at any time to show the extent of the campaign. This includes how much fresh and high quality relevant content they are going to publish on your website every week. How many distribution channels? What social media, article directories and websites are they going to use to distribute your content? How many PR submissions? And how many backlinks have been generated? These are the qualifying questions that need to be answered by a good SEO firm.


A comprehensive report system should be provided to show the progress of the SEO campaign, as well as ranking status of the site. This reporting could be monthly or quarterly. The report should be clear and concise, using the right combination of graphics and texts. This will be the bench mark of how the firm is progressing towards your desired ranking status.

Performance Guarantee

Does the SEO Company offer some kind of guarantee, such as a percentage increase in traffic? Although there are a lot of factors involved in an SEO campaign, a professional SEO company will be able to give performance guarantees based on their years of experience and proven methodology.

These are the major considerations you need to look at when hiring an SEO Agency to make sure that you don’t pour your money down the drain. SEO is a vital marketing strategy to make your brand highly visible online to your target market and to grow your business. It is a time-consuming effort, but it has greater ROI in the long run when compared to other marketing options.




My number one requirement is a room with windows. So many hotels and venues offer rooms with no natural light, which is far from ideal. Natural light feels better, allows the possibility of air, a view, a feeling of space and life even.

I also want to ensure that the delegates have their backs to the windows, facing forward, with me looking toward them, and therefore the window. Natural light on the speaker at the front of the room looks good, and delegates are less likely to be distracted by events outside the window. I also (and people are convinced I am joking when I tell them this) am able to glance out of the window myself as I, for example, wait for delegates to answer questions. That wait for many speakers can feel really awkward sometimes, so the ability to calm oneself and watch life continue can really help. And if you are thinking that natural light shining on your speaking area will mess with your PowerPoint slides.. Come on! Get with the programme! It’s 2011- why are you still using those. Seriously… Do you know how many times in my Presentation Skills sessions I have asked my delegates who actually likes using, writing or attending PPT based session… The answer is one or two at best. No one likes it… Stop worrying about the slides and focus on what you’re doing and saying.

You might have been asked when arranging your venue about teas and coffees and breaks and so on. I always want a longer morning than afternoon. I don’t like any session to go more than two hours without a break of some sort, and ninety minutes is better. I also don’t like those places that want to serve teas and coffees and lunches at a specific time. I want to be able to alter these times if it suits me or the delegates. And I certainly don’t want the tea lady coming into the room with her inevitably squeaking trolley of rattling cups and glasses. Not only is it incredibly distracting anyway, the moment refreshments arrive delegates start thinking of what they want, and start lose focus. My ideal is to have the refreshments stationed outside the main training room so we can break when we want and get our caffeine fix. Also when you break your delegates, always tell them the time you would like them to return, rather than how long they have. Believe me, once you are talking about a break people’s attention on you and what you are saying is minimal. Do everyone and yourself a favour, and make return times as easy as possible.

Give yourself space to speak and move at the front of the room. You are the speaker or the trainer, and it is you most people want to see and hear – not your slides, with you wedged somewhere into a corner somewhere. Set the furniture to suit you and your delegates. Take furniture out if necessary. And remove tables between you and your delegates. Unless you like the feeling of an over formalised job interview from the seventies, in which case go with it. I don’t know why, but every hotel and venue I attend has a default set-up of a table at the front of the room, with a couple of name tags, some mints in a jar, more fizzy water than still, and some too thin notepads with the company logo on. Unless you plan to sit behind this, maybe get rid of the table and focus on interacting with your audience. Likewise, unless it’s a big audience… Say a couple of hundred or more, I don’t really want people sat behind desks, and if they have to I want to look at cabaret set up… More informal and comfortable. People can work together and you can still work with them, rather than feeling like us versus them.

I will recommend Singapore training room rental

Temperature. Less than you might think. In the morning turn it down a little. It may feel a little too cool, but when people come in, and start to get involved in all the activities you have planned for them, it’ll soon warm up. I agree we don’t want people shivering, and I know that people who are a little chilly can put something on. Warm people can’t often take things off, and that leads to dozing in your session. Never good for confidence.

Here is a quick win. Move the clock away from behind you, and behind your audiences head, ensuring it is directly in your line of sight. I hope the reason for this is so fantastically obvious you will “get it” immediately. If not, look me up, you need help!

If you use flip charts, and maybe ask your delegates to create any work on large pieces of paper, please invest in some bright coloured marker pens. Along with that stupid desk arrangement I mentioned above, venues have a habit of supplying four pens at best, a faded black, a dried out red, a good green and a leaking blue. Don’t use these, they are rubbish. Get some bright funky colours and live a little. You would be surprised how often a purple or a scarlet gets grown adults excited! Whilst you are getting your lovely bright pens out in the morning, check the paper on the flips. You will often find notes from the previous session, and one or two tatty bits left for you. Sort it out before everyone arrives.

Finally, you are going to need some music for your session… When people arrive, leave, to tag break starts and finishes, for certain activities or discussions and so on. Tell the venue you will be playing music. This avoids any awkwardness like the trainer from the room next door separated only by a sliding divider coming in to complain that his meeting of senior cheeses next door doesn’t appreciate your musical tastes at those volumes, which rather takes the shine off what you’re trying to achieve.

Give these suggestions a go when you can. They are pretty much part of our standard operating processes because frankly they work really well, make things easier for me and allow us to concentrate on our delegates. Good luck with your training.



The act of giving a gift can elicit a multitude of positive emotions to the giver, that indeed it is quite possible that they experience more pleasure than the recipient of the gift. It has been found that giving gifts is an important interaction that strengthens bonds between family and friends. Giving to others strengthens one’s feelings for these people, and also makes one feel more loving and caring.

Pursuing the ideal gift can be a taxing experience. Once upon a time, one would have to literally travel from store to store searching for the perfect gift. Apart from the time and effort consumed by the travelling, it was never quite easy to compare and contrast the possibilities in one’s mind, as one was relying on memory of the entire details of each potential gift. Now, with the advent and advantage of online shopping, this one daunting part of gift giving is no longer necessary. The requirement of physical travelling has been eliminated as one merely sits in front of a computer or other Internet browsing device and searches for the perfect gift. Alas, the choices are endless, and not always as organized as one would wish. However, once one has narrowed down the choices, one can actually revisit each choice and compare the images of the potential gifts, and eventually make a selection.

Giving comes from within, and no matter who the recipient of the gift is, the actual selection of the gift should be a heartwarming process. Knowing the person’s likes and dislikes, wants and needs, circumstances, and events in their life deepens the emotion behind the gift selection process. Giving a gift however, should not be a process that comes with a hardship to the giver. An aura of competitiveness and the need to impress has overshadowed the gentle and caring act of gift giving. For instance, if one is searching for a gift for their brother in law who is an avid golf player, the normal search would begin in the world of golf in the universe of the Internet. However, remembering that your brother in law was recently promoted, and his peers all carry classic name brand fountain pens encased in handsome leather cases, would certainly have some influence on your gift selection thought process. Between the golf equipment and the fountain pen and it’s accessories, an instant “astronomical price” headache begins to form.

I will recommend personalised gifts Singapore

A mistake often made by many is that they set a price tag on the gift they are going to purchase before they actually make the purchase. In the name of budgeting that is actually a great idea, but unfortunately, we are in the times of “competitive” gift giving, and some people feel the need to outdo others in the extravagance of the gift purchased. It is absurd that many people actually spend money they cannot afford to spend on gifts simply because they are trying to create an impression. The heartwarming experience of the giving of the gift has not been experienced, and instead has been replaced by a aggressive and competitive approach. After the gift has been given, there will certainly be an uncomfortable feeling for as long as that charge remains on the credit card.

Very few people remain unscathed by these recent changes in the economical status worldwide. To increase one’s debt in order to compete with others, or create an extravagant impression is not only ridiculous, but also makes the giving of the gift actually an unpleasant experience from start to finish and beyond. Returning to the example of one’s brother-in law, let it be assumed that a new set of golf clubs and an expensive fountain pen with a leather case is entirely out of one’s budget. A less expensive and more personal gift would surely make the selection process a much more personal and enjoyable one. There is no rule that dictates we must cater to the indulgent tastes or more affluent means of others. The art of gift giving must come with the desire to please the recipient with the gift, to take pleasure in the selection of the gift, to keep the cost within one’s budget and means, and to select a gift that will be admired and used.

Unique gifts for the home or for personal wear are always a warm and sincere gift. Many handmade gifts are available for purchase at reasonable prices via the Internet. They range from hand crocheted tablecloths, to custom made jewelry, to silk floral arrangements, and many home décor items. All of these items are ones that will actually be used instead of being a “showpiece” such as a fountain pen that never actually makes it out of the beautiful leather case. As much pleasure as the gift recipient will receive from their gift, the giver will also be pleased whenever they see the gift being worn or used. A set of throw cushions that was given as a gift will always please the giver every time he or she visits the home of the recipient and sees the throw cushions in use. Truly, these types of gifts are those that are described as “The Gift That Keeps On Giving”.



Being on a construction crew is like being on a team. Each person on the team has their specific job, and by working together with everyone else, it makes an efficient construction system. Tools are an important part of this system as well. Safety vests and lighted traffic cones play an important part. Even if they aren’t physically at the construction site, each person plays a vital role in getting a contract completed.

The Workers

The part of the construction team that most people are aware of are the actual workers themselves. While they are the ones in charge of actually erecting the building, they are in charge of may other things as well. Safety is one of the most important of these other responsibilities. One of the ways they protect themselves is by wearing ANSI Class 2 or Class 3 FHWA-certified safety vests, which help them stay visible on site.


Safety is of the utmost importance on construction sites. Everyone has to do their part to make the area as hazard-free as they can, but some people are professionals in this field. These construction safety educators provide safety classes, which can either orient new workers or reinforce knowledge in more experienced workers. In other cases, safety managers are hired. Through training construction workers on the specific potential hazards of a site, safety managers oversee much of the crew’s safety. In other cases, safety managers hire someone else to conduct the safety courses, either by hiring the previously mentioned safety educators or by using books and classes.

I will recommend csoc training

Safety Gear

Safety gear is an integral part of construction, and by wearing the necessary safety vests, workers instantly reduce the risk of accidents. While safety vests are required, there are many other useful tools you can arm your workers with, such as lighted traffic cones, work gloves, hard hats, and more. Deciding to purchase these tools online in bulk can save you a lot of money and even time, since everything is available in one spot.

The Contractor

Another part of the team is the contractor. The contractor is overseer of most things on the site, including the important task of facilitating communication between all components of the construction team. Among these components is the individual, company, or government entity that wanted the construction done. The contractor provides the estimate, which includes cost of labor, equipment, and materials. If it’s a bigger job, the contractor often hires subcontractors to be in charge of smaller – yet still very important – tasks.


Engineers have a place in the construction team as well, as they are there to ensure construction plans, temporary buildings (like scaffolding and other early structures), and the final product are all as sturdy and secure as they need to be, as well as making sure means of transporting and lifting construction materials are stable and secure as well.



The applications of Physics are everywhere, that is why it becomes very interesting to understand its different laws and principles. But we can’t deny the fact that in school, a lot of students are having difficulty enjoying their physics subject. Why? Some would say it is because they don’t find math easy as well, and we know that math is a part of physics. Others would tell you that physics is hard to understand or that their teacher doesn’t teach that well, and a number of other reasons. But the real reason behind this difficulty is that they do not have good study habits and strategies that could help them top not only physics but as well as their other classes.

Let me share with you a few things that I have shared with my students to enjoy Physics:

1. Stop hating physics.

I understand that we cannot force people to like something that they don’t. But not liking physics should not be hating it. Physics may not be something that you really like but don’t treat it as if it is your mortal enemy. Start getting involved in the subject by learning something new each day. You’ll be surprised to find out a lot of things related to your daily life.

2. Don’t trail behind.

A pie can easily be digested if you take several small bites than eat one whole slice instantly. What I mean is that you could understand the concepts better if you stay up to date with the lessons taking bits of information at a time rather than playing catch up and studying everything at once. If you fall behind, there is a greater possibility of a negative impact in your performance in the subject. If that happens, you might go blaming physics again for being so “hard”.

3. Scan your notes before class

Lessons in physics are interrelated. It is good that you understand the previous ones so that it will be easier to take in new lessons. Scanning your notes before your class will help you understand what your teacher will say and you will have enough time to ask questions that might be confusing. You will not also need to write down everything your tutor might tell you.

4. Allot ample time to study at home.

Home study time doesn’t need to be too long. After all, you spent almost one-third of your day in school already. But you need to make sure that you browse through everything you had for the day for at least an hour or so. This will enable you to absorb more concepts rather than reading large portions every week.

5. Join or create study groups.

Three heads are better than one (I had a small study group back in highschool consisting of me and two other friends, thus three heads). Joining study groups could help a lot in understanding physics and help all of you to excel. But you must remember that the study group should be small enough to have closer interaction but able enough to help each and every member of the group understand the concepts.

6. Browse past test papers.

Browsing your past exam papers will help you get the “feel” of an actual exam. Try to identify you strong and weak points. How much time do you spend in one test item? Which questions were you able to answer better, conceptual questions or ones that involved a little computation? This will help you assess yourself for the next exam and you can concentrate on your weak points but not taking the strong points for granted.

I will recommend Physics Tuition

7. Learn to like math too.

Oh no. Don’t give me that look. We simply cannot do without math in physics. You have to be good in math to do well in physics calculations. The trick here is to understand the concepts behind the equations and not just memorizing formulas. Believe me, you will see that a = F/m, v = d/t or E = mc2 (oh well, that’s a little too complicated, but still an example) will have a whole different meaning and wouldn’t look so scary if you know what it means.

8. Enrich your physics vocabulary.

Before there are equations, there are terms. The definitions of these physics terms don’t need to be memorized. As I always tell my students, understanding the meaning of the terms is a lot better than just remembering the definition given by the book or dictionary. There are a few words that have a different meaning in physics from its English meaning. You have to take note of these as well.

9. Have fun in the lab sessions.

Laboratory activities are inevitable in physics classes. And believe me when I tell you that you might learn more when you do the hands-on as compared to the lecture. Though there are a lot of do’s and don’ts inside the laboratory, you can still enjoy your laboratory activities as much as you want to. For as long as you follow the procedures specific in the lab experiment sheet, exhibit a curious attitude, cooperate with your groupmates and ask questions related to what you are doing, you will never get bored in the laboratory.

10. Be confident.

If others can do it, why can’t I. Always remember this and have good, positive confidence. Have the right attitude and believe in yourself. Think positively, work your way to you goal and you’ll find yourself slowly living up to your expectations of yourself.



There’s no doubt about it, living abroad can open many new opportunities and experiences to you and your family and it can be a fantastic way to change your life and get out of a rut. The problem for many people though, is that they end up making the move without doing adequate research beforehand; if you’re unprepared your living abroad dream can suddenly become a nightmare.

Organise your finances and arrange your life assurance prior to travel

The biggest mistake that people make when planning their new adventure of living abroad is that they base their ideas on hopes rather than realities. So before you make any kind of decision, do your homework; first of all, find out your legal standing – some overseas moves are easy while others much more complicated, so you should get all the information you can from the relevant embassies as soon as possible. Of course, it also goes without saying that you should actually travel to the country you’re considering moving to, to get a real feel for the culture and the opportunities there.

I will recommend how you can live abroad

It’s also a good idea to join some expat forums and chat to people who have already taken the plunge. You’ll also need to find out how the welfare system works and see whether or not you’ll need to get some medical insurance – remember that not every country has a free health service that you can access, so you need to make sure that you can get proper treatment and help if the need should arise.

It’s also worth talking to a financial advisor if you’re planning on living abroad. They can help you look at your budget and calculate how currency variations may affect your money pot. It’s also a good idea to get some life assurance in place and perhaps even sort out your pension and inheritance tax planning before you go.

Living abroad isn’t just about the planning beforehand…

Planning doesn’t stop when you land in your new home and unpack either. You may need to organise a resident’s permit, register with the authorities and perhaps make arrangements to ensure that your driving license is valid for use. You also need to find out the rules and regulations regarding opening a bank account, and if you’ve relied on financial advice in the past, then it’s worth finding an advisor that you feel comfortable with as soon as you move, so that you’ve always got somebody to call on.



What size of business should consider business equipment leasing?

Any business at any stage of development should consider business equipment leasing as it is a very cost effective alternative to out-right purchasing. For start-up businesses with little to no revenues, smaller leases, those of $100,000 or less, are easily obtained and are feasible on the personal credit of the owner(s).

Who supplies leasing companies with capital?

Of the billions and billions of dollars that investors pour into the capital markets each month, a good portion finds its way to leasing companies. These leasing companies then use these funds to purchase equipment (business and commercial) on behalf of businesses. As the economy improves and more and more money is flowing into the markets, leasing companies are flush with capital. As a result, they are eager to do business and respond to competition with lower monthly rates.

What is a lease? A lease lets you pass the buck – at least for a while. A lessor (third party funding source) will purchase the equipment that you want and as the lessee, you can use the equipment in exchange for regular payments made over a contracted period of time. The contract can be tailored to your specific needs. But, just like a regular loan, you do need to have a good credit score and be able to prove that you can pay the lender the negotiated payments.

Why Lease Business Equipment? One of the biggest reasons to lease business equipment is that it offers fairly minimal upfront costs and allows you to have flexible payment options and flexible end of lease options. Unlike regular bank loans that may require a substantial down payment, leasing allows you to keep your working capital to focus on other business requirements.

In addition, some companies lease business equipment as a way to protect against obsolescence. When setting up the lease, take some time to evaluate the useful life of the equipment. Choose a term length that will let you upgrade to newer equipment before the old pieces are out-of-date. With end of term lease options, you can opt to buy the equipment at fair market value or lease new equipment.

Leasing can reduce your taxes. Depending on how your lease is structured, you may be able to fully deduct lease payments as a business expense, as opposed to depreciating the value of the equipment as if it were a capital expenditure. Talk to a tax professional to understand the impact this can have on your business.

What can you lease? There are few limits to the type of equipment that can be leased. From everyday business essentials (furniture and phone systems) to industrial equipment (forklifts and conveyor belts) to office technology (copiers and LCD projectors), there is no limit to the equipment that can be leased.

It is also possible to lease the soft costs of purchases. Examples of soft or intangible assets include software, warranties, service, training, installation, and shipping costs. Talk to your lease professional to figure out what’s right for your business. You’ll want to make sure to inquire early on about your lessor’s policies if soft asset financing is important to you.

Types of Equipment Lease Financing

Although lessors may have different names for them, you’ll find that there are basically two types of equipment lease financing: finance and true.

What is a finance lease? Finance leases are also known as capital leases, conditional sales, or dollar buy out leases. These leases are mainly for businesses that wish to keep the leased equipment at the end of the lease. The advantage to the lessor in this case is it gives them the option to purchase the equipment for a small fee, usually $1.00. This works for the lessor because payment terms on finance leases tend to last close to the expected useful life of the equipment and the payments themselves then to be higher.

What is a true lease? True leases, also called tax leases, operating leases, or FMV (fair market value) leases, do not usually span the full expected life of the equipment. At the end of the lease, you can choose to walk away from the equipment or purchase it at fair market value. Payments on true leases are generally lower than payments on finance leases and this is because lessors have the opportunity to resell the equipment when the lease ends. This option works best for lessees that may want to upgrade their equipment by the end of the lease.

Business equipment leasing has become an increasingly popular financing option for Canadian companies that need new equipment.

Tax implications

One of the main benefits of true leases is that you may be able to fully claim all lease payments as tax deductible expenditures. Although finance leases let you spread your payments over time, they are not tax advantaged in the way true leases are. Talk to your tax professional for specific advice on the tax benefits of leasing.

Payment options

While fixed monthly payments are the norm, they are not your only option. Depending on your company’s financial situation, your equipment lease financing can include one of several payment plans that may be more appealing.

If your company’s cash flow comes and goes with the seasons or weather, you might want to consider what is called a “skip lease”. A lease with this repayment structure allows you to skip payments during slow months without being penalized. They are ideal for recreational and agricultural businesses that rely heavily on certain times of the year for significant portions of their revenue.

Step-up leases provide a solution for companies with limited cash that are depending upon the acquisition of specific equipment to increase revenue. This type of lease recognizes that the company will be able to handle increased lease payments over time, and keeps payments low at first then ramps them up according to a pre-determined schedule.

An alternative to a step-up lease is a 60- or 90- day deferred lease. Just as its name implies, this lease allows you to defer your first payment for 2 or 3 months. Usually you will not have to present a down payment with this option.

Ending your lease

Lease terms range anywhere from 6 to 120 months, although the majority fall between 12 and 60 months.

The lease term that you decide upon will depend heavily on what you decide to do with the equipment at the end of your lease. Usually, you have four choices. You can:

* return the equipment to the lessor with no future obligation.
* renew the lease.
* purchase the equipment for a nominal fee or fixed price agreed upon at the lease inception.
* purchase the equipment at fair market value

Before agreeing to any particular end of lease clause, carefully consider what state the equipment will be in at the end of the lease, and whether you’ll want to obtain a newer model at that time. Also consider the chances that you’ll want to get out of the lease early – if you think it’s likely, be sure that your lease doesn’t contain substantial penalty clauses for early withdrawal.

Equipment Finance Providers

There are three main types of leasing providers: brokers, captive leasing companies, or independent lessors.

Broker – an equipment leasing broker is a lot like an insurance broker, they act as the go-between. The broker will take your lease requests to the banks and financial service companies most likely to agree to finance your asset. They will negotiate for the best interest rate and payment schedule on your behalf. The main advantage of using a broker is the fact that you get to utilize the leasing expertise of the broker and it is the bank or the financial institution that pays the broker’s fee – their fee does not come out of the pocket of the you, the lessee.

Captive leasing company – As a subsidiary leasing arm of a manufacturer or dealer, a captive leasing company’s main purpose is to provide leasing to its parent company and/or dealer networks. Typically you’ll only encounter them when you’re obtaining a lease directly from a dealer.

Independent lessor – Independent lessors are funding sources that lease directly to businesses. These can include banks, equipment lease specialists, and more diversified financial companies.



  • A is for Atmosphere

Setting the scene for the perfect wedding can be a daunting task and with wedding trends changing rapidly over time, it can mean decision making is hard. Often the best place to start is by thinking about the formality of the event and how you would like your guests to feel on your wedding day! Whether you choose a relaxed garden wedding with subtle coloring and natural tones or a themed wedding at a wild venue with bold wedding colors and outlandish wedding decorations, whichever way you go it is the wedding atmosphere that you create that will generate the most memories!

  • B is for Bachelorette Party & Bridal Shower

Second to choosing your bridesmaids, this is often the next stage in the planning of your pre-wedding activities! This is the event, other than the wedding itself, that the girls look forward to most! Renowned as the tamer of the two, a bridal shower is a gift-giving party held for a bride-to-be in anticipation of her wedding, it is a time for the females in your life to get to know each other and to share advice before your big day.

The Bachelorette Party also known as a hens night, hens party or hens do on the other hand is deemed “an evening of debauchery,” a girls night out in honor of the bride-to-be in the style that is common to that social circle. This is when the bridesmaids take control, organising silly outfits for the bride, dares and games along with gifts for the girls including name tags, fun drinking straws along with personalised bachelorette koozies for a unique gift idea!

  • C is for Ceremony

Ultimately your ceremony, the moment where two people are united in marriage, is the reason you are planning this special day. The way that you choose to perform your ceremony and the wedding reception that follows are often linked in formality and theme and the options are endless.

For the ceremony you will have to give some thought to the location, a church or temple, beach, garden or formal venue often this is driven by the choice for a civil or religious ceremony. Most ceremonies have a similar structure, with your vows, readings and music making a personal service.

  • D is for Destination Wedding

More and more couples are escaping the traditional big celebration wedding in favor of a smaller more intimate ceremony in an exotic location. Whether your destination wedding is overseas or interstate it can still take a lot of organization, not only for the couple and the wedding day itself but in making it fabulous for the guests that have gone that extra mile to share in your special day!

  • E is for Engagement

Congratulations on your Engagement, let the fun begin. Start with your engagement announcements, maybe a notice in the newspaper to inform the community or an item that you can send in the mail to let your friends and family know the good news! If you are moving fast you could even add your wedding save the date to your engagement announcement to help with your planning budget.

Some couples will choose to have an engagement party, an opportunity to celebrate with family and friends and for future guests to get to know each other before the big day. Engagement party favors are often handed out to the guests as a thank you for attending, such as candy treats or custom beer koozies to take home as a memento.

  • F is for Favors

Wedding favors also known as bonbonniere are small gifts given as a gesture of thanks to guests from the bride and groom. Wedding favor ideas have become a major part of wedding planning, with modern gift trends including: CDs with the favorite music of the bride and groom, candy jars, picture frames and wedding koozies. Gifts may also be personalized with the couple’s names, initials or wedding date and even an individual guest name to create a gift and place card.

If you choose wedding Koozies as your wedding favors then it is a great idea to start browsing the designs a few weeks before you need them to be delivered. There is an extensive range of designs available to help you create the perfect match to your wedding color scheme, theme and more. Please read a previous article to help with your design; Personalized Wedding Favors on a Budget – Inspiration for Wedding Koozies to Wow Your Guests!

  • G is for Gift

A wedding present is a gift taken by a guest to congratulate the couple on their marriage. There is usually some etiquette when it comes to gift giving, some couples may choose to take the hard work out of this for their guests and have a gift registry with a wish list to choose from. Others may have a wishing well, this is where guests can anonymously drop cards and monetary gifts into a box known as a wishing well to help the couple on their way to starting a new life together.

  • H is for Honeymoon

A honeymoon is the traditional holiday taken by newlyweds to celebrate their marriage in seclusion. Jetting off to somewhere exotic and romantic is not uncommon although the holiday should be something of choice that suits the couple’s outlook and interests. For couples on a budget a destination wedding can be a great way to spread the cost making the addition of a few days for a honeymoon easy.

  • I is for Invitations

Wedding invitations are a great way to set the scene for your guests. As a follow on from your wedding announcement or save the dates, your wedding invitations can be fun or formal but should be informative and hold an RSVP date so that you can keep to a deadline in your wedding planning.

In modern times the way an invitation arrives is becoming more and more imaginative, you might choose a link to an online wedding website where guests can respond electronically or include a link to a video message. Items sent in the mail can also be creative and unique such as origami style folded gifts, printing a message on a balloon that can only be read once blown up or sending custom wedding koozies for your guests to enjoy at home and on bring on the day!

  • J is for Jewellery

Wedding jewellery can be simple and sophisticated or bold and colorful. This is a very personal choice that that bride will make when choosing her wedding dress and bridal party attire.

Sometimes traditional jewellery will be passed down the generations within a family, bridal accessories can include earrings, bracelets, tiaras and hair combs to name a few.

  • K is for Kiss

“You may now kiss the bride”… the words that the groom has been waiting for all day! Many couples will have a discussion prior to the wedding about the kiss, some even finding this the moment that makes them most nervous! Questions like, how long should it be? Should it be a full-on smooch? Or just a peck? What is the etiquette in wedding kisses? The answer to which is that there is not really an etiquette, just show each other how happy you are to be making this promise to each other and show this off to your guests, just bear in mind that you might be in front of your parents, grandparents and young children.

  • L is for Love

LOVE. An intense feeling of deep affection and the reason you have been ploughing all of your time into planning the ultimate wedding celebration. Say no more.

  • M is for is for Music

One big question for your wedding reception, DJ or Band? Often the answer to which is dependent on budget, formality of your event and location. There is also the decision of which music you should be walking down the aisle to, creating an amazing playlist that will get your guests on their feet and of course the first dance! Here are our choices for a first dance song;

Top 5 First Dance Wedding Songs

  1. Make You Feel My Love – Adele
  2. You Are The Best Thing – Ray LaMontagne
  3. Kiss Me – Ed Sheeran
  4. The Way You Look Tonight – Michael Bublé
  5. Better Together – Jack Johnson

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  • N is for New

If you are following tradition in the sense of the rhyme “something old, something new, something borrowed and something blue” then this is your something NEW! You can include your wedding dress as your something new if it is made to order, or perhaps one of your bridal accessories or a fancy new pair of shoes. Let’s face it when it comes to your wedding there will be a whole heap of items that you can consider using to tick this box!

  • O is for Outdoor Wedding Venue

Weddings are often planned for the perfect weather, the most popular seasons for a wedding are spring and summer so that you can have great light for your wedding photographs and that you have the best chance of enjoying sunny spells outdoors with your guests over welcome drinks.

Your outdoor wedding venue might be in a national park, flower garden, winery or a beautiful beach, whichever you choose for your outdoor wedding be sure to have a wet weather plan on hand, just in case!

  • P is for Photographer

Wedding photography for a lot of couples is a big box to tick. It is lovely to be able to capture your big day and all of that hard work into images that you can cherish for years to come. Choosing a photographer can be a daunting task, be sure to ask around for recommendations, view portfolios of previous work and get to know your photographer so that they learn to capture what is important to you. Looking at your photographs together as a family is a beautiful way to connect after the event, each image will tell its own story and each story will be a memory captured for life!

  • Q is for Quiz

The Mr & Mrs Quiz, the ultimate quiz that any bachelorette should have to complete on their ‘last night of freedom’..! It is a fun way for the maid of honor to connect with and get to know the groom before the event. She will prepare a series of questions that the groom will answer, things can of course get a little cheeky depending on the formality of the bridal shower or bachelorette party, the bride will then need to see how many answers she can match to the groom’s responses, often followed by a forfeit for every wrong answer.

  • R is for Reception

Wedding reception, this is the fun part, after you have nervously said your vows in front of your family and friends you can relax with food, drinks and dancing at your wedding reception. Wedding reception ideas include a formal sit-down meal, cocktail reception or a casual beach BBQ. You can usually leave this up to your wedding planner or venue to organise, that way you can enjoy the celebration and spending time with your guests.

  • S is for Save the Dates & Stationery

Your wedding announcement and first item of wedding stationery is your Save the Date! An ideal gift used for long engagements this is designed to be sent out to your guests well in advance of the formal invitation, once you have your date set you can mail these out so that your guests can save the date in their diary. Some popular methods of sending a save the date include; postcards, calendars, tickets, magnets, custom beer koozies and more.

  • T is for Table Plan

T is also for troublesome, often considered one of the most controversial parts of the wedding planning process, the dreaded table plan! Great aunt Joan cannot be near second cousin John and really you’d like to sit with your pals rather than follow the traditional top table style with your parents… at the end of the day this is your wedding and as a couple you should be able to choose a seating plan to suit your wedding formality and your guests.

  • U is for Ushers

An usher, also known as a groomsman is normally a friend of the groom that has been recruited to direct guests at the ceremony, and generally be available to the bride and groom for assistance throughout the whole wedding event. The ushers would generally be dressed in the same wedding attire as the groom and best man and would feature in the formal wedding photographs alongside the bridesmaids.

  • V is for Vows

The exchange of wedding vows is an important part of your wedding ceremony. It can be a very romantic moment and often the perfect place to express your feelings for each other. Vows can be modern or traditional, led by a minister or celebrant, written for you or by you and can be tailored to your individual personalities.

  • W is for Wedding Dress

Almost every girls wedding dream begins with the dress! There are so many gorgeous styles available and all designed to suit different shapes and sizes… you can find the perfect wedding dress style amongst these… Ball gown, mermaid, A-line, Sheath. Strapless, V-neck, halter-neck, one-shoulder, illusion and more!

Once you have found the perfect style, you can start to create a unique look through the color and density of the material, heavier fabrics such as brocade and jacquard or lighter materials like silk and chiffon, traditionally a wedding dress would be predominantly white or ivory in color, but these days anything goes!

  • X is for X -rated (entertainment at bachelor party)

Although it is not necessarily the way every groom will spend their last night of ‘freedom’, the bachelor party, as portrayed in the movie The Hangover, certainly has a reputation for being a night or indeed a weekend of debauchery! Some will go all out with a weekend in Vegas, but generally the party vibe will include trendy bars, nightclubs and, most importantly, strip clubs!

Much like the bachelorette party, this is where the best man and other members of the bridal party will shine with ideas, organising embarrassing outfits for the groom, along with drinking games and dares! Gifts for the guys might include matching t-shirts, shot glasses, beer horns or custom beer koozies personalised for each of the guys!

  • Y is for Years

The number of years spent together, number of years engaged and then number of years married. Once your wedding day becomes a wonderful memory you have the many years of wedding anniversaries to look forward to and to celebrate. Each anniversary that passes will have a symbolic gift that is presented, there is both a traditional and modern gift here is the traditional list;

  • 1st Paper
  • 2nd Cotton
  • 3rd Leather
  • 4th Fruit/Flowers
  • 5th Wood
  • 10th Tin/Aluminium
  • 15th Crystal
  • 20th China
  • 25th Silver
  • 30th Pearl
  • 35th Coral
  • 40th Ruby
  • 45th Sapphire
  • 50th Gold
  • 60th Diamond
  • Z is for Zero Regrets

In a perfect world, every bride and groom would have the perfect wedding with absolutely no mishaps. However, this is not the perfect world and every turn makes for a new story! Our only advice is to enjoy every minute of your special day, spend as much time with each guest as you possibly, and have zero regrets!