Myths and Facts Related To Retail Financing

Currently, retail financing is the best way to ensure that retail businesses grow and flourish. But before you invest or receive retail financing services, here are some myths and facts you should know-

Myth- Retail financing isn’t profitable
Fact- Retail financing offers growth

It is erroneously believed that retail financing doesn’t offer financial growths or profits. But the fact is that this kind of financing enables retailers and investors to take a ‘second look’ in various industries. Consequently, credits are given to retailers through which they can grow their businesses, make changes in their current strategies and receive profits. The process has positive consequences for investors as they can get better investment returns with incremental sales in retail sector.

Myth- Retail financing doesn’t increase wage positions.
Fact- Retail financing increases wage positions

Retail sector has been often associated with minimum wage positions. Therefore, it is widely believed that even with retail finance, individuals will not witness an increase in wage positions. But the truth is that retail finance can increase wage positions by increasing overall profits. With financing, retailers can grow their businesses through incremental sales, which ultimately increase the value of retailed products and results in maximum wage positions.

Whether you wish to invest in retail sector or seek investments, make sure you choose a reliable financial company.

Atlanticus Financial Holding Company offers credit card lending, investments, automotive acquisition, retail financing, loan and portfolio acquisition and other services through its investors and subsidiaries. For more information, visit http://www.atlanticus.com

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Risks Involved Behind the Stock Investments

Like every other investment policy, stock investments also involve a number of risks. Following are some of the prime risks that an average investor can face while investing in the stock market.

Economic Risks

Economic risks are considered as the basic types of risk that involve stock market investments. A deteriorating economy will put stocks on risk, irrespective of the brand name strength or market policies. Economic risks aren’t too strong, except during the period of recession or depression.  

Personal Issues

It mayn’t seem as a risk, but generally it’s the emotions of an investor or their

personal issues that cloud their judgment when it comes to stock investment. For instance, most investors get emotionally involved with the market and purchase their stocks at a higher value, ultimately selling them during the lows. 

Inflation

Inflation is one of the biggest market risks an individual or company encounters while investing in stocks. For instance, in case of inflation, the dollars you invest upon yield less, resulting in overall loses. This is an investment risk that most investors fail to recognize.

Management issues

If the management team of a company or fund you are investing in provides wrong

analyses or inaccurate information about financial data, you would end up losing money. Similarly, while investing in mutual funds, risks arise when the managers don’t take wise decisions.

Ensure to choose a reliable financial holding company while investing in stock market. We provide investment, credit card lending, retail and automotive finance, portfolio acquisition and other financial services. Visit the website for more details. 

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Retail Finance – Key to Business Growth

Retail finance can be seen as that magical stick with the help of which a business owner can not only increase the number of footfalls in his business through an effective publicity medium; but also as a ladder which gives a shopkeeper the opportunity to reach for the skies. To explain in simple terms, retail financing is that option which a business owner makes available to the customer at the point of sales when the customer runs out of cash but still requires a product or a service.  

For a customer in such a situation, there are only two possible alternatives – either make arrangement for credit or forego the product. But when a business makes available the option of credit to the customer on the basis of some installments, a third way emerges. This makes it possible for the customer to buy the product after the payment of a partial amount of the money, but not worry about the entire credit immediately; which is then deducted on a monthly basis. This is a win-win situation for both parties, especially for the shop owner providing him with a greater impetus for business growth. 

The reason lies in the fact that the consumer gets the products that he desires with a monthly installment scheme that does not give him much of a pocket pinch; but rather, makes him see the business with a favorable eye. A condition; which he then shares with people around him, which in turn leads to more footfalls and ultimately higher profits for the company. 

But the thing to be kept in mind is that the factors involved in retail finance follow the waterfall or the dominos effect; and so it is imperative to play all your business cards cautiously.

To know more about retail finance options, visit: http://www.atlanticus.com

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Advantages and Disadvantages of Credit Card

Credit Cards should probably be renamed as the modern day fairy godmother’s magic wand. The way in which they work is simple. It allows an individual to pay in advance for goods and services that he purchases on the behalf of a promise that an individual shall pay back for them later. This system is convenient and effortless, but only if used judiciously. Lets us have a look how:

• They are convenient as one does not have to be bothered about carrying cash around everywhere. But then, since we carry them all the time, they tend to become victims of overuse thereby landing the cardholder in trouble. 

• Credit cards can be expert expense trackers. As all the payment is made through thecard, a copy of the receipt is given to the cardholder which means he can clearly make out what cost him how much. But this maintenance would mean storing up of all receipts for a period of time and that can involve too much paperwork.

• These cards are instant cash solutions as with one in your pocket, credit is never too far from you. The fee for this convenience is usually a 2-4% tax or interest charge that would not have been levied in case of cash payment.

• The perks of having a credit card cannot be denied – frequent flier miles, automobile discounts, incentive programs etc are just some examples. But as they say, there are no free lunches. So with the perks come high interest rates, annual fees and many more such charges. 

To know more about how beneficial or harmful a credit card may be for you, visit: http://www.atlanticus.com

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Why Investors Must Invest in Companies Providing Investment Services?

Investment is one of the best ways to grow one’s business or to ensure a better inflow of money. And there isn’t a better way to invest than to put money into a company that provides investment services. Such companies are known for forwarding invests and loans or financing to other companies, thereby ensuring better usage of money.

Since financial holding companies provide services to other companies, it ensures that the value of money invested in the company is increased over a period of time. Also, it gives investors an opportunity to control the decisions of the company, especially if the investor invests through purchase of stocks.

When it comes to making sound investments, investors must put their money into a company that offers stock purchase as well, and more importantly, through a registered brokerage. Work with companies that offer their annual report and SEC filings on their websites, as this will provide clarity about the position of the company and its value in the market.

While investing, investors or their companies should ensure that the financial holding company provides an array of financial services and products. This guarantees better chances of profits as a company providing more services tends to get more clients and customers. Talk to the investor relations of the company to discuss any queries.

Our organization, Atlanticus has been providing different types of investment for over 75 years with a simple policy of direct annual report and SEC filings. For more information, visit the official website or contact at 770-828-2000.

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Different Types of Investment That a Financial Company Can Get

Most of the companies providing financial services need investments and loans or credit financing to ensure that they can provide credits to their customers. These are some of the investment and financial services that a company can apply for. 

Credit Card Lending

This includes servicing and investment activities for credit cards. These are related to receivables and portfolio that a financing company or its investing partners purchase.

Retail Financing

For enabling retail partners to grow their businesses and to get them incremental sales, different financial holdings offer retail financing services. Before providing their services, these companies consider and access credit consumers. 

Auto Lending

Such services include loans that are related to purchases of automobiles. These loans provide financial security and services for independent automotive dealers or finance companies that operate independently. These services ensure that customers can receive loans and credits in shorter duration of time.

Loan Servicing

Special services such as marketing, underwriting, customer service and third party collections operations services are provided by several investment companies. Using global infrastructure, these services in financial sector can help deliver world class services at more affordable costs.

Direct investment in the company is also an important part of financing. Financial companies can sell their stocks to different investors or company for investment.

Our organization, Atlanticus is based in Atlanta and provides customized financing options for companies providing different financial products and services. For more information, visit the Atlanticus or call at Atlanta’s number, 770-828-2000.

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Investment in Financial Holding Company

Financial Holding Company (FHC) offers various investment opportunities through various financial services and products offered by its subsidiaries. FHC is a good target for value investors. However, there can be difference in rewards, which investors get from financial holding companies mainly due to the structure of ownership; the market value of investments in FHC is quite high.

Generally, a holding company operates through its subsidiaries in which it has obtained stocks of subsidiary company. Therefore, in case of holding company the profitability of business is reflected only through the valuation of its subsidiaries, which is mainly in the form of dividends. The general trend in financial holding company is that the investors have to wait until value of holding company is unlocked. The value of holding company can be realized through sale of strategic partner, listing of subsidiaries or through de-merger. Sometimes, in case of large inflow into subsidiaries of financial holding company the investors get dividends.

However, before investors start considering their chances, they should keep the following points in mind:

• Find out ways of figuring the value of FHC independently and that of its subsidiaries. If the FHC has stake in strong subsidiaries then there would be no need to divest the stake.

• Find out the loopholes. Figure out the reasons behind the creation of FHC as it may be possible that the company in question is hiding debts in subsidiaries books.

• Check the history and reputation of FHC and see whether the management of FHC has the expertise to guide the growth of its subsidiaries.

• In the end if investors think that, the total estimated is more than what market estimates, than invest in the prospective FHC.

If you any queries related to how to invest in a financial holding company then send your query to CorpInfo@Atlanticus.com

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Invest Your Money in Financial Investment Corporations

When investors start investing money, they’ll come across something called as Financial Investment Corporations. Also known as Financial Holding Corporations, Financial Investment Corporation provide financial services such as investing and credit lending. Ideally, it covers a wide range of organizations which includes managing money of the insurance companies, credit card companies, banking institutions, moneylenders and credit unions. It offers financial services to the enterprises in lieu of owning company’s outstanding stocks.

The outstanding stocks could be that of a parent company, an investment company, a media conglomerate or a financial company which makes investments in financial services industry. It is the financial holding that provides finance to newer or old enterprises in lieu of owning stocks of the enterprises. Though these holding companies may not be producing any particular goods or services, they provide a wide range of products through working subsidiaries. The services are provided to Credit card lenders, Retail financers, and Auto Lenders and Portfolio acquisitionist.

In the contemporary times when investors are looking at some safer mediums for investing money, the demand for Financial Investment Corporations is likely to increase. These organizations are not only finance seekers but also for investors who wish to invest in new or old organizations. It provides opportunities to reduce risk on investment and investors can expect great returns on their investments.

Our organization, Atlanticus is a U.S based financial holding company, which offers wide range of products and services mainly to enterprises in finance service industry.  We seek to provide great investment opportunities to investors. Visit www.atlanticus.com to find out more.

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The Need for Investment Corporation

The current world is witnessing a remarkable change in terms of investment. With globalization and liberalization, a number of young entrepreneurs seek financial services. Others who have been in the field for years now wish to expand. This is where they need investments and credit to ensure that that they grow in the diverse financial services industry sector. Therefore, Investment Corporation are required to provide broad range of services and organizations that manage money, including credit unions, investors, consumer finance companies, credit card companies, insurance companies, investment funds and stock brokerages along with government sponsored enterprises. These companies help in securing investment for financial services industry.

In the contemporary times, the need for Investment Corporation as well as Holding Companies is increasing. Mostly, the clients require a range of services that the subsidiaries of these organizations provide. These include services like auto lending, credit card lending, retail financing, loan servicing and Portfolio Acquisitions. These organizations are not just important for investment seekers, but equally important for investors who seek to invest in these organizations and watch their money and finances grow over a period of time.

These investment oriented companies in a number of cases also hold the ownership of the companies’ outstanding stocks’. This reduces the risk factors in a number of cases. That is why such investment companies are required for financial services.

Our organization, Atlanticus provides services mainly for the businesses in financial services industry. Broad arrays of products are available from our subsidiaries. Visit Atlanticusfor more details.

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Benefits of Investing in Investment Companies

An investment company is a company whose main purpose is to invest and make a profit by buying and selling shares and assets. The whole idea of an investment company is to use funds in a profitable way but by spreading the risk over various areas.

When an individual invests in an investment company they become one of its shareholders. There are certain benefits of investing in investment companies and they are underlined below:

Reduced admin cost- as an investor if you buy shares directly, you have to pay a considerable amount of admin fee and dealing cost. When you invest in an investment company the economies of scale are set up in a way that since all the investors pool their money into this one source the admin and comes to a lot less per shareholder.

An investment company works in a way where they own shares in a variety of investments, so even though you are buying the shares or investing into this one company in actual fact what you are acquiring is a much more spread out portfolio. As a result of this the risk is also spread-out as the outcome is not dependent on the success of just one or two investments.

Expert advice is a key benefit that comes out of going through an investment company. Since the investment is taken care of by an expert fund manager the chances of debacle are minimized and effective investment that is profitable seems more likely.

Because investment companies have different schemes to suit different investors, there is the possibility of investing even very small amounts of money at a given time and that is very convenient.

If you have some money to invest and want to avail of these benefits, look for a good investment company today!

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Choose a Reliable Investment Company for Visible Benefits

Finding a reliable and certified investment corporation is what you should do in case you are seeking a variety of products for different kind of investments. Apart from this, you also need to keep a tab on your goals and make a list of the services that you want the company to deliver. You should be absolutely clear about the kind of services you are looking for in order to hire someone who is a pro at this job. A great financial holding company, with their products like auto lending, credit lending, retail finance and loan servicing, will come up with various strategic alternatives just for you. It will also be of help in case you want to identify present day financial strategies that will work for your business.  They can help reduce loses by advising new strategies and looking into your previous investment decisions. Reputation of the firm that you choose is of prime importance and should not be ignored at any cost. Compare services of various companies before taking a final decision. The investment corporation that you consider should have a clear understanding of your needs even in the long run, and should not hesitate to give you its complete portfolio. Regular communication should be encouraged by the company to choose, which should include regular reports from their end.

Atlanticus Holdings Corporation has been providing an array of investment strategies and tips to its customers. To know more about financial services and investment services being provided b the company, visit http://www.atlanticus.com

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About Financial Investment Services

Although the news of economic recessions might be creating much flurry and furor, the demand for investment services in the financial sector has not dwindled a bit. There are a plethora of companies like Atlanticus Financial Holdings which have successfully been investing in companies proffering financial products and services and reaping the benefits of same. Of course such investments come with a plethora of advantages both for the investing and the invested companies as well as the end customers who obtain certain benefits from both the sources. Here are some advantages which has been prompting Atlanticus and other companies like to invest in the financial sector.

• Although the financial market appears volatile, companies like Atlanticus see it as the right opportunity to grab stocks since the prices go escalating at a fast pace. This obviously means reaping greater profits than during times when the price carve moves slow.
• Companies investing in the financial sector can get hold of a number of subsidiary services and thereby reach out to the end customer indirectly. This helps in acquiring a formidable client base and there is no dearth of individuals seeking financial help and credit lending services for meeting their financial, personal and professional needs.
• By investing in the financial sector, the companies can get hold of a plethora of products and services which are provided by the individual subsidiary.
• The financial companies where the investments are made too gain advantages in the form of getting credit during a point of sale which often becomes essential to trigger sales.

Atlanticus Financial Holdings is a reliable financial company investing in companies engaged in providing financial services as well as products. If you wish to know more about the company, visit us on http://www.atlanticus.com

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The SEC Barrs EGAN-JONES From Issuing Ratings To Investment Companies

Egan-Jones Rating Company which rates the credit worthiness of thousands of US investment companies finds itself in trouble as the US Securities and Exchange Commission (SEC) recently barred them from issuing in any ratings. Egan-Jones rose the ladder of success quickly as it captured the Nationally Recognized Statistical Rating Organization (NRSRO) in 2007, a mere 12 years after it was founded.

However, though it retains this status for its corporate users, the NRSRO is currently banned from rating asset backed securities and government securities – a ban that is to be effective for the next 18 months. Also it is the first company of its kind to face such a ban. The reason cited by the SEC is that the company had failed to maintain proper records and had made a wrong claim that it was unaware of the investments made by its subscribers. The SEC further accused the company that when a clash of interest rose between two analysts, it had failed to take any measures against it.

Egan-Jones on the other hand is giving the silent treatment by neither accepting nor denying the allegations brought up against it. However, the company has decided to make a move of settlement by paying the penalty of $30,000 and also by agreeing to remain blocked from his NRSRO status for the next 18 months.

Worried if the company you are investing with is transparent in its dealings or not? Mail us at: CorpInfo@Atlanticus.comor Investors@Atlanticus.com.

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