Looking to improve? Aren’t we all! Improving your business with respect to the acquisition of new business assets is a major decision for Canadian business. What is the current state of the leasing equipment market in Canada, and what finance companies are your best bet and why?Even though you’re taking on additional debt when you acquire a capital lease option the committing of your cash resources can still be properly managed using an equipment financing strategy. You’re making the decision because you want to utilize the asset to improve productivity and profits.We can certainly help our clients finance the asset, but it’s up to you to ensure you choose the right asset, negotiate a best sale price, and ensure the business asset meets your needs. The reality is of course that your leasing equipment decision is an important one – its an alternative to paying cash outright, or drawing down on credit lines you might have in place – and most of our clients agree that the ability to secure business credit for working capital is a large challenge these days, so using those funds outright for an equipment purchase doesn’t seem to make sense.You have chosen a capital lease, or a lease to own option. The alternative was an operating lease, or a use and return of the asset and that hasn’t made sense this time around. Finance companies in Canada can structure payments that make sense for your firm. Typically clients have budget constraints, have some seasonality in their business… etc. This is typically when leasing makes more sense than a loan, because it’s so flexible and tailored to meet your specific financing needs.In the current Canadian leasing equipment landscape and environment of 2010 /2011 you may well be expected to make some sort of down payment, but again, this is negotiable. Talking to your accountant might bring up further reasons why the tax advantages of lease financing might make you decision to finance an even easier one.Finance companies recognize that you are in many cases using a leasing equipment strategy simply because you can obtain assets you might not be able to afford. These firms have only one mandate… approve and fund your leases! Consequently their credit people are experts in looking at your overall picture, which includes your firm’s financials, the value of the asset itself, which is of course the collateral, and your projected profits via use of the equipment.Your decision to enter into a capital lease should be relatively straight forward; the challenge is often picking the right partner. The Canadian landscape is made up of hundreds of firms who have specialization, only regional representation, or in some cases your transaction will be viewed as too large, or too small. Navigating that maze is a challenge, so see the service of a trusted, credible and experienced business financing advisor who will help you get approved and negotiate the best terms possible. That added value along can improve your overall return on investment and make your decision to finance a solid one.

Are you a relatively new comer in the field of digital photography? If you are, well, you should know this: It is hell of a ride! You will need a course on Photography for Beginners.Almost every person now is becoming an enthusiast with this new comer. If you ask why, well, the answer would be obvious: Eliminated use of negatives, no more money funding for dark room construction, no more bitrates and those chemicals, and no more messed up film jack.The new generation need Photography for Beginners, therefore, says hi to digital photography.Although with the emergence of this new genre of photography, and you as a beginner, it would be good to spell out the difference between the two and how each one could contribute on you as photographer.In film photography, there exists no lcd screen for preview. That means that every shot would only be seen until it is developed. The good thing about it is that it practices your timing and judgment as to which subject deserves a shot. On the other side, the negative part is that your picture requires that “eureka” factor – you have to expend film negatives in order to get that perfect shot. Digital photography provides for its own lcd monitor to preview your shot after capturing. The good thing about it is that you could liberally shoot and shoot, without worrying of film loss and the bad thing is that, the tendency of mediocre pictures might appear, because of some indiscriminate shooting.Films have different ISOs, depending on each exposure. On the other hand, digital photography has its own ISO setting, which is changeable at will. Best we do a Photography for Beginners course. Digital photography has this so called raw file that is used as a digital negative. Raw files contains the image’s uncompressed color and detail profile, which means that each shot contains the extensive possibility of complete manipulation, from contrast, brightness, darkness, brightness, and so on which are editable on any photo editing software. The bright side is that such process is easier to manipulate, the negative side is that the tendency to dependency.Film photography, as we all know, requires negative developing which is a “dirtier” work as compared to photo editing. Here, the photographer uses a variety of chemical to expose the photo paper to the light of the negative, the result of which is the picture that the photographer took. The good thing about this is that, the feeling is more gratifying – knowing that you worked (literally) on having the photo. On the other hand, the negative side is the money you would spend on equipments and chemicals. This is all laid out in Photography for Beginners.As far as blemishes are concerned, film photography may have these so called grains, while digital photography may have noise, especially in images shot in low light conditions.Overall, the selection is not prejudicial to the photographer you would become. As was shown, each has its own advantage or disadvantage, so it depends on your discretion to select which one would make you happier. But as for the majority, they prefer digital photography.Film photography is also good for old school photos, but it still better to keep a digital camera in hand. Such gadget is important because it adapts to the more acceptable standards of photography, in terms of the times. The possibilities are endless with digital cameras because of its flexibility and less demanding maintenance. By doing a Photography for Beginners course, then keeping a film camera as a back up would be good at the same time.Cameras are just but the same gadget, the technology only differs and what is important is that with these tools, you are able to capture the actual beauty and miracle of life.