Learn How Loans Work Before You Borrow

Secret Bank Loans

This eBook from Dewey Oates shows you the secret to getting perfect credit that few people even think to look for. Are you tired of being denied loans or getting constantly scrutinized because of your credit score? Well as of February 9th, 2016, there is a perfectly legal legal loophole that you can take advantage of to get all of the loans that you could even need, and get perfect credit without having to do anything! Dewey Oates figured out this secret almost 30 years ago, and now has found that the same thing is now available again for you to take advantage of! Your banker probably doesn't even know this is available for you. Not many people know how to instantly improve their credit score Don't be one of the people out of the loop! This eBook comes from Oates' personal experience And you can experience it too!

Secret Bank Loans Summary

Rating:

4.6 stars out of 11 votes

Contents: Ebook
Author: Dewey Oates
Price: $9.95

My Secret Bank Loans Review

Highly Recommended

I usually find books written on this category hard to understand and full of jargon. But the author was capable of presenting advanced techniques in an extremely easy to understand language.

My opinion on this e-book is, if you do not have this e-book in your collection, your collection is incomplete. I have no regrets for purchasing this.

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Case Funding by Issuing Advantageous Bonds

After the middle 1990's, in the private power generation cases (Independent Power Producer IPP) in United States and some developing countries, there were many cases of refinance in which funds were first procured using equities and short-term loan funds from commercial banks, and, after a project facility is completed, funds were directly procured from the financial market by issuing bonds and repaying all or part of the loans. This is based on the viewpoint that the possibility of elicitation on the risk concerned with projects will change as time passes and on the concept that the structure of debts is redesigned by searching for fund providers who hesitate to assume much risk but offer funds with more advantageous conditions at a stage where the project facility is completed and actual cash flow of the project appears to have become stable. The period of redemption of bonds is longer than that of bank loans and bonds bring more advantageous funding cost and improvement in...

Finance for plant export

Next, in accordance with the enlargement of plant export, buyers receive JBIC financing directly government organizations and banks on the import side also utilize JBIC financing by taking the risk of buyers, known as Buyers' Credit or Bank-to-Bank Loans. In such cases of export Project Management, the QCD factors and explanations of Buyer credibility guarantees of security are the same as for Suppliers' Credit. In the finance of plant export, risks after delivery are transferred to JBIC and NEXI. Consequently, it is sufficient, in principle, for exporters to utilize Project Management until delivery, although the Borrowers' responsibility to Suppliers' Credit remains.

Establishing Economic Equivalence

In such a fixed asset investment funds are committed today in the expectation of earning a return in the future. In the case of a bank loan, the future return takes the form of interest plus repayment of the principal. This is known as the loan cash flow. In the case of the fixed asset, the future return takes the form of cash generated by productive use of the asset. The representation of these future earnings along with the capital expenditures and annual expenses (such as wages, raw materials, operating costs, maintenance costs, and income taxes) is the project cash flow. This similarity between the loan cash flow and the project cash flow brings us an important conclusion that is, first we need to find a way to evaluate a money series occurring at different points in time. Second, if we understand how to evaluate a loan cash flow series, we can use the same concept to evaluate the project cash flow series.

Cash Flow Projections

The owner often wants to know what the projected cash flow and payments are to be made on the project. The owner requires this to ensure that adequate funds are available in a timely manner to make prompt payment. It is often said that if you want to keep someone stimulated and challenged, work him or her hard and pay them well and in a timely manner. The CM GC should also have a vested interest in the projected cash flow and requisition process to anticipate when money will be paid to cover the work performed on the project to date. The CM GC is often faced with the fiscal challenging of managing cash flow, in that monthly project payments usually exceed the amount of money paid to date due to the timing of the requisition cycle, payment cycle, hold back for retainer, etc. The CM GC must make up this deficit from working capital, bank line of credit, bank loan, personal loan, or factoring, which can be expensive given the interest rates and cost of money. Chapter 17 has a CSI...

Describing Project Cash Flows

When a company purchases a fixed asset such as equipment, it makes an investment. The company commits funds today in the expectation of earning a return on those funds in the future. Such an investment is similar to that made by a bank when it lends money. For the bank loan, the future cash flow consists of interest plus repayment of the principal. For the fixed asset, the future return is in the form of cash flows from the profitable use of the asset. In evaluating a capital investment, we are concerned only with those cash flows that result directly from the investment. These cash flows, called differential or incremental cash flows, represent the change in the firm's total cash flow that occurs as a direct result of the investment.

Example Developing a Cash Flow Statement

A computerized machining center has been proposed for a small tool manufacturing company. If the new system costing 125,000 is installed, it will generate annual revenues of 100,000 and require 20,000 in annual labor, 12,000 in annual material expenses, and another 8000 in annual overhead (power and utility) expenses. The automation facility would be classified as a 7-year MACRS property. The company expects to phase out the facility at the end of 5 years, at which time it will be sold for 50,000. The machining center will require an investment of 23,331 in working capital (mainly spare parts inventory), which will be recovered in full amount at the end of the project life. Assume that 62,500 of the 125,000 paid for the investment is obtained through a bank loan which is to be repaid in equal annual installments at 10 interest over 5 years. The remaining 62,500 will be provided by equity (for example, from retained earnings). Find the year-by-year after-tax net cash flow for the...