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|The other faces of Loans
Posted by nick_niesen on November 8th , 2010
People often perceive loan as a negative thing. To be in debt is seen as not only having no money but also a desperate attempt to have money. What people do not realize is that owing somebody money is not necessarily a bad thing. It is what you do with the money you owe that will determine its value.
Loans help a great deal in keeping the economy growing. Countries, in fact, borrow from one another to finance projects that would help provide jobs for its people. With the right use of the borrowed money, the loan can triple and even quadruple. This is what most businessmen do. They borrow money to fund projects, the earnings of which, they will keep for themselves while paying back the principal.
Let聮s face facts. Not everyone can afford to finance a really big project or to start a new business. In today聮s business world, one needs money to earn money. Loans function to help people who are short in cash but big in ideas take their dreams into action, hoping against hope that the business or project will come into fruition, thereby helping other people as well. Can you imagine Bill Gates not getting a loan when he was putting up Microsoft?
Home Equity Loan
There are different kinds of loans in the market. The most common of which is the home equity loan, where people borrow from the bank and put up their homes as collateral. What is also good with this type of loan is that it is tax deductible.
Another type of loan that is the college loan, which students who do not have enough money to pay for their education, avail of. Some universities offer up to a hundred percent student loan while others offer varying percentages. Often, a student is asked to pay for a small percentage of the loan while studying while the rest of the loan will be paid even after graduation when the student is already working. To help students with outstanding loans, some universities also provide part-time jobs inside the universities. They will often be assigned to help in the school聮s various service buildings such as in the gym or in the library. Others are given jobs as assistants to teachers in class or in laboratories.
Some government agencies and other private institutions also offer loans that will help in the improvement of farms in the countryside. The Town and Country Credit Union for example offers loans that would help increase production through the improvement of farm operations. Loans may also cover the purchase of farm and ranching equipment as well as in the increase of livestock. Similar to housing loans, agricultural loans may also be given to people who are planning to purchase farming estate.
Agricultural loans especially help farmers in times of devastation such as in the aftermath of a hurricane or any disaster that led to the destruction of crops and livestock.
Though it is not generally being availed of, some banks offer auto loans. This is helpful for people who are in the business of traveling or whose work involves frequent traveling. Auto loans are also very popular with the young set especially those who are studying in college.
>PepsiCos Bid for Quaker Oats (A) Case Solution
Posted by markwahlbarg on June 6th, 2018
PepsiCos Bid for Quaker Oats (A) Case Solution
Pepsi is considering procuring Quaker Oats to extend its business operations. Then again, at the time it is uncertain about the estimation of its business and operational exercises. Furthermore, Pepsi likewise needs to get some answers concerning the conceivable estimation of cooperative energies for this exchange. The numerous valuations demonstrate that EVEBDITA is the most suitable for contrasting the estimation of Quaker. EBDITA numerous of Pepsi demonstrates that the per offer cost for Quaker ought to be around . A premium of around 6% ought to additionally be incorporated into this cost in thought for the impacts of collaborations. The offering examination demonstrates that Pepsi ought to decide on an offer for offer. This offer may weaken the responsibility for to around 16%.
PepsiCos Bid for Quaker Oats (A) Case Solution
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