Asset finance means a lot to people or companies who are in the business of purchasing assets for running their business with success. Put in other words, asset finance enables in saving your working capital for other good uses by letting asset finance do the purchasing. Asset finance is especially useful for small and medium enterprises as for them it is a great lending source of working capital.

Through asset finance you can purchase a property by way of hire purchase, lease purchase and leasing. Usually it is for vehicles such as cars, light commercial and heavy goods vehicle, plant and machinery or equipments like manufacturing, engineering and construction that asset finance is availed. The amount one can borrow under asset finance ranges from £10000 to £10000000 depending on equity in collateral. Lender will offer asset finance against any property which has greater equity in it. Since huge finance of the lender is at stake, asset finance is essential a secure financing. The property to be purchased also can be the security of asset finance.

Asset finance comes mainly in two options of hire purchase and leasing. The higher purchase option allows you to take ownership of the new asset you purchase. You can choose between fixed rate and base rate hire purchase. On the other hand under leasing agreement, the company offering asset finance agrees to purchase the asset and gives it to the customer on lease for agreed period of time at an agreed monthly or quarterly rental.

It is very important to first search for a suitable asset finance company. The field of asset finance is vast and there are companies who may be offering asset finance for a specific property purchase with specific conditions. So you shall have to extensively search and read the terms-conditions of the finance providers first. You should be very sure of your requirements from asset finance. Then only you can locate a suitable asset financer for your business.

The cold numbers and profit-first logic of the finance world can make finance graduates feel like robots. Financial firms place a premium on dispassionate advising and an adherence to regulations to protect the investments of clients big and small. While it is important to maintain an impeccable standard of performance, finance graduates need to make some aspects of their jobs personal to provide the best service possible.

Finance graduates need to take a micro level approach to their job on occasion to stay grounded. The temptation for many graduates is to look at commission numbers and the portfolios of larger clients to increase efficiency on the job. An occasional review of stock holdings, investments and the financial overview for a young family or a small-scale investor can bring the importance of doing a good job home for overwhelmed graduates.

There is a way for finance graduates to make work personal with each document completed and each trade managed. Finance graduates can think about each action in terms of its reflectivity of their own values. A financial advisor with knowledge of a risky new venture can ask if a more conservative trade would be appropriate for a client. Quarterly and annual adjustments of financial portfolios can be viewed in light of the potential benefits for the account holder.

A graduate also needs to look at the practices and missions of his employer during an evaluation of daily practices. It is impossible for a finance graduate to follow self-imposed ethics and best practices guidelines when an employer is not providing adequate resources. Finance graduates need to take advantage of every opportunity to express their opinion in order to shape the direction of their employer. A combination of advisory positions, informal comments in meetings and official comments through internal documents ensures professional comfort for finance graduates.

The most important way for finance graduates to make work personal is to look at long term goals. Graduates need to think about their desired destination in five, ten and twenty years as they help clients find the best investments. A financial graduate is best served to treat customers with respect and show an unimpeachable work ethic to employers in order to build a strong reputation. Finance graduates need to work for the job they want while they work in their present job to meet their professional goals.

Saving money. It really doesn't matter who you are, every one wants to save money. You could be a college student trying to make the money you have last, a frugal mom or even a millionaire. It seems every one is looking for a great deal, and they rightly should be.

I fall into the frugal mom category. I use to spend my Sunday afternoon, flipping through the newspaper clipping coupons. All of that wasted effort to simply find a 35 cent coupon of my favorite brand shampoo.

There are five people in my family and it never seemed like I could get out of the grocery store without spending a minimum of $150. Any time the price went above that I seemed to get a sick feeling in the pit of my stomach. So over the weekend I would go grocery shopping and it always seems like Wednesday I'm headed back to the store for something I forgot or had already ran out of. It was only going to get worse, with three growing children their stomachs never seem to get full. When it comes to grocery store savings, this is something I focus on as a major part of my money savings plan. Why, you might ask. I figure it this way, I go to the store at least one time a week, most weeks two or three times. If I could learn how to save money every time I went to the register I could put the saved money away and spend it on a want that I have not just a necessity.

Here are some tips that I use, first I always make a grocery list, and I try to be disciplined to stick to that list. When creating a grocery list you need to menu plan, know roughly what you intend on making every night for dinner. If you don't do this when it comes time to make supper one evening you may be missing a key ingredient, this leads to a trip to the grocery store witch inevitably will lead to an impulse buy. When you make your list and you venture out to the store, have self discipline to stick to what you wrote down, and avoid the impulse buy even if it is on sale. Also there are great websites out there that offer coupons that you can print off. Be careful when using coupons that you still only buy what you need, not just because it is on sale. I also always shop at stores that offer a double coupon, a couple of 35 cent coupons doubled, adds up into some big savings. I also go to a site called "Grocery Store Savings" that teaches how you to get name brand products for cents on the dollar.

So what do I do with the money that I have learned to save, well my first priority is to save for a rainy day. No I am not talking about a trip to the movies or an evening out, of course that would be nice, but my first savings go into an emergency bank account. It always seems that you car will not break down until you do not have any money in the account to cover the expenses. It's difficult these days, and if you have children it is even more difficult, I swear I wake up some days, to find that my children out grew their clothes over night. It is a very secure feeling to know that if something happens you have money you can fall back on. You also can put the savings away for a family vacation, a family night out with a dinner and movie what ever it is; it's good to know that you have the means to do that.

Here are some handy tips to keep your cash flow high, keep your life in balance and enjoy long-term stress relief from financial pressure.

Spend Less Money Than You Make.

If you make $1000 per week then learn to live off $700 (70%) and save the rest. When you have saved enough then invest your savings in something that will help you build long term wealth (i.e. property).

Get Out of Debt

Do everything you can to not get into consumer debt. If you can't afford to pay cash for something you want, then save up for it until you can buy it outright. You'd be amazed how little money you can get by with if you stay out of debt.

Stick to a Budget

Do up a budget so that you know exactly how much money you need each week to get by on and then stick to it like glue. If you must treat yourself to items that you really don't need then make sure you pay cash for them. Otherwise forget about it until you can afford to buy it. This includes treats and luxury items.

See a Financial Adviser

If you don't have a financial plan for the future then you're doing yourself and your family a great disservice. Wealth rarely happens overnight. Without a plan your finances are left to the fate of the Gods and your spending habits. Who knows where that will get you?

Increase Your Financial Knowledge

It's like anything in life if you want to improve you have to learn new skills and then practise them. While it's good to seek professional advice about finances it's even better to learn how to do it yourself. There's a ton of books available written by people who have already mastered financial success. The more you learn the less anyone can cheat you from your hard earned cash.

Live a Life of Prosperity Thinking

You either think in terms of lack or prosperity. Whichever you give the greater focus to is what you will attract into your life. Catch your limited or negative thoughts about money and then replace them with thoughts of abundance.

Here's an affirmation that helped me through some tough financial times and took me from earning $20 per hour to $200 per hour in just 6 months; "I love money, money loves me and I am a money magnet!"

Final Thoughts on Money and Stress Relief

One of the most valuable commodities you have is time. Some people have plenty of time and little or no money to enjoy their life with while others have tons of money and little or no time. The real secret to living a relaxed lifestyle is to have the balance of plenty of time and plenty of money.

The term recession has been surfacing lately amidst all of the housing and credit troubles, but, if you're like most people, you're probably wondering, "Just what is a recession?"

Well, Mr. Webster sees the term this way: a period of an economic contraction, sometimes limited in scope or duration.

Of course, you probably could have looked that up yourself, so let's look at the subject in a more "How does this affect me?" way.

4 Signs of Recession

1. Bob's with no jobs. Unemployment is one of the most telling signs that things aren't doing so great. In case you're wondering, the unemployment rate just hit 5% at the end of last year, marking a new two-year high.
2. Bringing down the house. Most everyone dreams of owning a house someday, or already owns one (street-dwellers excluded), so when such a popular market takes a massive hit, it can trickle down throughout the entire economy. And if you've picked up a newspaper or magazine anytime within the past several months, you should be well aware that the housing market has seen much better days to say the least.
3. Bob's with no jobs -- and nobody's hiring. When financial times are tough, there are less jobs being created, in addition to possible layoffs at current companies. This combination one-two punch not only gets Bob fired, but also limits his options and chances of getting a similar job elsewhere.
4. Pay at the pump. When the price of gas has you seriously considering folding your massive, manly frame into a dainty little hybrid car, it's another sign that a recession may be coming. High gas prices mean less driving, and less driving means less spending. It's a cycle that could easily spiral out of control if the numbers on those price boards keep climbing.

Financial vagueness what is that is it a new kind of food you eat?

When you are vague about our finances, you push away the things that can improve them.

Excessive debt

One of the ways financial vagueness is showing up each day for you is in the debt that you are carrying.

Staying in debt hurts you and not the banks.

The banks are happy to collect a very high interest and if you cannot pay they can take away part of your salary.

Of course this will affect your credit rating which will make it difficult to obtain credit in the future. Some will go as far as declaring bankruptcy.

Resistance

Resistance to change is one of the many (big) difficulties that many people have in getting out of financial vagueness.

Unpleasant emotions

When you start looking at your financial debts you may bring to the surface unpleasant buried emotions. Most people will say that they did not know that these emotions were even there.

You may fear being embarrassed in front of others like family, friends, colleagues or the neighbours.

Poor money decisions

It is not always easy to accept and move on once you realize that you have made a poor money decision.

It is not healthy for your future to blame yourself or love ones because you were afraid to say stop.

Not having a solid love relationship where decisions to buying big items are not discussed can result in lots of arguing.

Financial awareness

Financial awareness starts with the willingness to break out of the cycle of financial vagueness.

Becoming financial aware is taking responsibility for how you have been treating yourself.

Choosing to become an adult and start putting aside 10% then 15% of your earnings can rebuild your sense of security.

Getting passed the discomfort

You can get control of financial vagueness when you start to get passed the discomfort and taking the time to look at all your bills.

Small steps

If you were to go to the gym and started working out, your trainer would suggest starting slowly. This is the same with finances. Start reading articles in financial journals even though you may not understand the terms used.

Conclusion: Breaking out of financial vagueness starts with a willingness to change and accepting to create a new identity.

Excessive debt

One of the ways financial vagueness is showing up each day for you is in the debt that you are carrying.

Staying in debt hurts you and not the banks.

The banks are happy to collect a very high interest and if you cannot pay they can take away part of your salary.

Of course this will affect your credit rating which will make it difficult to obtain credit in the future. Some will go as far as declaring bankruptcy.

Resistance

Resistance to change is one of the many (big) difficulties that many people have in getting out of financial vagueness.

Unpleasant emotions

When you start looking at your financial debts you may bring to the surface unpleasant buried emotions. Most people will say that they did not know that these emotions were even there.

You may fear being embarrassed in front of others like family, friends, colleagues or the neighbours.

Poor money decisions

It is not always easy to accept and move on once you realize that you have made a poor money decision.

It is not healthy for your future to blame yourself or love ones because you were afraid to say stop.

Not having a solid love relationship where decisions to buying big items are not discussed can result in lots of arguing.

Financial awareness

Financial awareness starts with the willingness to break out of the cycle of financial vagueness.

Becoming financial aware is taking responsibility for how you have been treating yourself.

Choosing to become an adult and start putting aside 10% then 15% of your earnings can rebuild your sense of security.

Getting passed the discomfort

You can get control of financial vagueness when you start to get passed the discomfort and taking the time to look at all your bills.

Small steps

If you were to go to the gym and started working out, your trainer would suggest starting slowly. This is the same with finances. Start reading articles in financial journals even though you may not understand the terms used.

Conclusion: Breaking out of financial vagueness starts with a willingness to change and accepting to create a new identity.