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مسرحية الواد سيد الشغال 1985
بطولة: عادل إمام , عمر الحريري , سوسن بدر , رجاء الجداوي , أحمد عبدالهادي
, فاروق فلوكس alwad syd alshaghal يحكي عن شاب يهرب للاختباء
عند خاله ولكنه يصادف ان خاله يعمل عند عائلة الشخص الهارب منه. الواد سيد الشغال حصرياً
?Is there a suitable and inappropriate loan for companies
Running a business costs money and almost everyone has heard the expression that in order to make money you have to spend money,
but where do you get that money if you are not independently wealthy or established? A business loan is the answer to most business needs.
No matter the size of a company, almost every entrepreneur has to think about a loan at some point. A business loan can help a business start,
expand, and grow a business, or help a business through the tough times that come every now and then. Choosing a business loan is an important step,
but which loan is right for you and how do you choose between the many different types?
Some entrepreneurs take a small twist on a business loan and choose to use credit cards to support their startup, expand an existing business,
or help their business down a difficult path. The positive reason for using credit to fund your business is that it’s often easier to obtain or already have a personal credit card,
but there are some serious downsides to this type of business financing.
The first disadvantage is that unless your existing credit limit is unlimited, you may not have enough money on your credit cards.
The second downside to using personal credit cards is that they don’t separate your personal and business cash flows.
This can be devastating when you need to use your credit for important personal needs, and it can have a similar impact on your business treasury when you suddenly need to draw on your credit for personal reasons.
After all, the interest rates on credit cards are usually significantly higher than on various business loans.
A line of credit works like a credit card. You apply for a business loan and are approved up to a certain amount depending on your qualifications.
You will not be charged for the loan until you actually use the money and you will only be charged for the amount that you have actually used.
Another similarity between lines of credit and credit cards is that the loan is often an unsecured loan, meaning no assets such as homes, cars,
and the business itself are used to guarantee the loan.
However, unlike a credit card, business loans have interest rates that are much closer to traditional lending levels.
On the other hand, these interest rates are usually variable, like a personal credit card, and rise or fall over the life of the loan. Another disadvantage of credit lines is that,
like a credit card, your payments usually only exceed the monthly interest.
This might seem like a plus at first since the monthly payments are so low. The catch is that lines of credit don’t extend forever.
There is almost always a certain number of years that the loan amount must be available.
At the end of this period (and sometimes within the last two years of the payback period)
there is no more money available.
After this period, the payments are higher to ensure that the money is paid back in full at the end of the loan.
If you have the discipline to pay more than the minimum each month to pay off the loan,
this can be a good loan. It creates times when money is tight. At these times, you can pay the minimum amount without defaulting on your loan.
Even if you don’t have much credit and think a line of credit isn’t right for you, all is not lost. There are many other traditional types of business loans to choose from:
– Working capital loans: These loans are what most people think of when considering a business loan. They come in two types, secured and unsecured.
Unsecured versions of working capital loans are typically only available to entrepreneurs
with excellent credit, a solid business plan, and an established business with a proven track record.
Startups are usually too risky to get unsecured business loans as working capital. Secured working capital loans are a little easier to obtain,
although the amount of collateral required to obtain these loans often depends on the creditworthiness of the loan
– Debtor loans: These are short-term financing types that are available when you are in a tight situation and money is coming in now at some point.
Your company’s receivables serve as collateral for such loans. On the other hand,
the interest rates on these short term loans are usually higher than a regular long term loan
and you may end up in a vicious circle of using your assets (receivables)
before you get them and then run out of money until your next income period. This type of loan
should only be considered in a few types of emergencies such as:
Business Loans Only: This type of loan is requested only for the use of the company’s
capital and assets and not for the owner’s personal credit rating or credit history.
It is only available to a company that has a solid record of reliable revenue,
long-term prospects for trouble-free operation and very strong business credit ratings.
There are times in business when you need a loan for a certain type of purchase, e.g. B. for the purchase of new or replacement of old equipment, purchase of real estate for the business or other special needs in these times.
The best way to ensure success in getting your business loan is to be prepared. Go into your bank with a well-worded business plan in hand and make sure your credit rating is on par.
If you know of any weaknesses in your credit history, be prepared to explain them. Lenders are also people and know that there are situations that are inevitable,
but being able to show that your problems are in the past and
that you are on a more solid foundation will go a long way in getting the loan you want.
Explanatory letters on your loan package will help if situations
such as illness or caring for a sick relative have caused problems in the past.
One of the things that keeps most people from getting a loan is the fear of being rejected. Knowing what to expect can ease that fear.