Author: Juana Baumgartner

Debt Financing for Businesses
Finance Loans / Financing

Debt Financing for Businesses

- by Juana Baumgartner

Debt financing is one of the ways companies raise funds to expand or improve their operations. It can be a good option for businesses that have a clear idea of what they need to accomplish and how much money is needed.

There are pros and cons to debt financing, so business leaders should weigh those carefully before committing any funds.

Types

Debt financing is when a business borrows money from lenders to fund growth or expansion. It’s different than equity financing, which raises capital from investors rather than businesses.

In debt financing, the company owes the lender a sum of money, along with interest, and is expected to pay it back over time. Typically, there are two types of debt: secured and unsecured.

The first type is backed by assets, such as inventory or accounts receivable, and can be used for virtually any business goal, including purchasing new equipment. The …

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Things to Know Before Stock Market Opens and Closes
Finance Committee / Finance News

Things to Know Before Stock Market Opens and Closes

- by Juana Baumgartner

When it comes to the stock market, there are a lot of things to know before you start trading. You’ll want to be familiar with the market’s opening and closing hours, as well as what happens during the power hour.

Most stock exchanges open Monday through Friday at 9:30 a.m. and close at 4:00

p.m. On certain holidays, markets are closed or have half-days.

1.   What Time Does the Market Open?

If you’re looking to start trading stocks, it’s important to know what time the market opens and closes. Most major stock exchanges in the United States, like the NYSE and Nasdaq, are open Monday through Friday from 9:30 a.m. to 4 p.m. Eastern Standard Time, but there are occasional exceptions.

In addition to regular market hours, some exchanges offer extended-hours trading that lets you buy and sell securities outside of normal business hours. These types of extended trading times …

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Small Business Trends That Will Impact Your Business
Finance Committee / Finance News

Small Business Trends That Will Impact Your Business

- by Juana Baumgartner

Whether you’re a small business owner or are considering starting one, there are several trends that will impact your company. Learn about the top small business trends that are impacting businesses today and what you can do to stay ahead of them.

Despite the countless challenges that small business owners face, they continue to adapt and thrive in our increasingly complex global economy. Read on to learn about the most important small business trends that are affecting America’s entrepreneurial landscape in 2019.

1.   Social media

Regardless of your industry, small businesses can use social media to reach customers. It’s a free advertising tool that can help you promote new products or services and keep customers up to date on your latest deals.

The most important part of a social media marketing strategy is to make sure it’s authentically your brand. The goal is to establish a connection with your audience …

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How to Use a Personal Loan Calculator
Finance Calculator / Finance Committee

How to Use a Personal Loan Calculator

- by Juana Baumgartner

If you’re in the market for a personal loan, a loan calculator can help you determine your monthly payments and payoff date. It can also help you compare interest rates and loan terms from multiple lenders.

EMIs are an important factor to consider when applying for a loan. This is because a lower EMI would reduce your overall cost of borrowing, and a higher EMI would increase the total amount of interest you pay over time.

Loan Amount

The loan amount you choose on a personal loan calculator will affect the monthly payment and total interest you pay over the life of the loan. It can also help you decide whether or not a personal loan is right for you.

Your loan amount will depend on the lender, your credit score and the repayment term. A longer loan term may mean lower monthly payments, but you’ll pay more in interest …

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A Car Finance Calculator Can Help You Set a Budget and Figure Out Your Monthly Payments
Finance Calculator / Finance Committee

A Car Finance Calculator Can Help You Set a Budget and Figure Out Your Monthly Payments

- by Juana Baumgartner

Whether you’re shopping for a new or used car, a car finance calculator can help you set a budget and figure out how much your monthly payments would be. It’s also a good way to compare loan terms and interest rates before you head to the dealership.

The monthly payment you’ll make on an auto loan will depend on the purchase price, down payment and term of the loan. It’s also influenced by the interest rate of the loan, which is determined by your credit score.

Price

A car finance calculator can help you figure out how much it will cost you to buy a car. The calculator uses information about your purchase price, monthly payment, down payment and trade-in value to give you an idea of what you can expect.

You can also enter the loan amount you are looking to borrow. In addition, the calculator may offer you …

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