3 Hidden Truths behind Zero Percent Auto Financing

So the zero percent auto financing deal offered by your local car dealer has grabbed your attention and as a buyer on the lookout for a new car it seems a luring bargain indeed. Zero percent financing is one of the most enticing motivators used by automotive dealers and car companies to lure potential buyers and ramp up sales. However, before you get influenced by such advertisements, it is imperative to know the hidden truths behind zero percent financing. For, what might appear to you as an attractive deal may, in reality, mean shelling out more than other alternative financing options.

Short-term Payback: In most cases zero percent financing come with short- month. For those who run their expenses on monthly budget pushing it up to such extent as to accommodate extensive installments might seem difficult. In such cases it is better to look for longer-term schemes where monthly installments will be lower.

Hidden Costs: Although you might be quite happy opting for a zero percent finance, you may be charged overtly on certain other heads such as application fees and extended warranties by your dealer. In the long run you might just find out that you ended up paying more than the other payment options like a cash-back offer which although comes with a higher interest, would have helped you save greater amounts.

Zero Percent Financing Criteria: Finally, even before you hit the showroom excited to buy your dream car, check out whether the car model is under the zero percent finance scheme. You may just wander in to find that the car you contemplated to purchase is under a completely different finance scheme which requires you to shell out a whopping amount in terms of financing charges. It is also worth taking a look at your credit score as zero percent financing is often limited to only those customers with a good credit standing.

To get the best deal out of your auto finance at lowest interest rates, Atlanticus can help you get the car of your dreams.

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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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