Month: September 2019

ผู้ประกอบการหลายท่านรู้ดีว่าจำนวนเงินที่หมุนเวียนในการซื้อวัตถุดิบ ตลอดจนกระบวนการผลิตจนถึงการได้เงินจากลูกค้าปลายทางมีความสำคัญกับธุรกิจเป็นอย่างมาก การมีเงินทุนหมุนเวียนในกิจการที่ดี ก็จะยิ่งเป็นการเพิ่มโอกาสทางธุรกิจให้กับผู้ประกอบการได้มากขึ้น เพราะคุณจะสามารถรับมือกับ รายการสินค้าเร่งด่วนจากลูกค้าได้ ทำให้ผู้ประกอบการสามารถรักษาความสัมพันธ์อันดีกับคู่ค้าได้ หากมีเงินหมุนเวียนเพียงพอ ธุรกิจก็สามารถดำเนินต่อไปได้โดยไม่หยุดชะงัก เช่นกันกับการมีเงินเพียงพอในการชำระหนี้กับเจ้าหนี้ได้ตรงเวลา ทำให้คุณมีเครดิตทางการค้าที่ดี ซึ่งหากมีการหมุนเวียนเงินในบัญชีที่ดีก็อาจจะส่งผลให้การขอกู้เงินในอนาคตนั้นง่ายขึ้นหรือได้อัตราดอกเบี้ยที่ถูกลง แต่ค่าใช้จ่ายที่ไม่คาดคิดมักมีเข้ามาเสมอ แล้วจะรับมือกับปัญหาเงินขาดมืออย่างไร วันนี้เรามีแหล่งกู้เงินทุนที่จะเข้ามาช่วยแก้ปัญหาในยามฉุกเฉินที่ผู้ประกอบการควรรู้ไว้ มาดูว่าคุณมีแหล่งกู้เงินเหล่านี้อยู่ใกล้ ๆ หรือไม่

1.บัตรเครดิต (Credit Card)

บัตรเครดิตเป็นอีกตัวช่วยที่จะสามารถทำให้ธุรกิจของคุณมีเงินทุนหมุนได้ ข้อดีของบัตรเครดิตคือสามารถยืดระยะเวลาการจ่ายเงินไปได้มากสุดถึง 55 วัน ทำให้คุณสามารถนำเงินสดที่มีอยู่ไปหมุนเวียนในกิจการก่อนได้ และการกู้เงินผ่านบัตรเครดิตในกรณีที่ถือบัตรเครดิตในนามของบริษัทยังสะดวกในการทำบัญชีชำระเงินผ่านระบบออนไลน์อีกด้วย แต่ข้อเสียก็คือหากผิดนัดชำระตามกำหนดต้องจ่ายดอกเบี้ยที่ค่อนข้างสูง และบางร้านค้าที่เป็นคู่ค้าของผู้ประกอบการอาจจะไม่รับการจ่ายเงินผ่านบัตรเครดิต อีกทั้งวงเงินในการใช้จ่ายขึ้นกับเครดิตที่ธนาคารเป็นผู้ให้ อย่างไรก็ตามหากคุณมีเครดิตดี ธนาคารจะปล่อยให้กู้เงินเป็นจำนวนมากถึงหลักล้านเลยทีเดียว

นอกจากนี้ บัตรเครดิตยังสามารถกดเงินสดเพื่อนำเงินในจำนวนวงเงินที่คุณได้รับนั้นออกมาใช้ก่อนได้ แต่จะต้องเสียค่าธรรมเนียมในการกด 3% และเสียค่าภาษีมูลค่าเพิ่มอีก 7% จากยอดเงินที่กด โดยที่ธนาคารจะเริ่มคิดอัตราดอกเบี้ยนับตั้งแต่วันที่กดเงิน นับว่าเป็นการกู้เงินที่เร็วทันใจมาก ๆ

2. บัตรกดเงินสด (Cash Card)

บัตรกดเงินสด เป็นอีกหนึ่งแหล่งกู้เงินในกรณีฉุกเฉินของผู้ประกอบการที่ต้องการเงินสดแบบเร่งด่วน ซึ่งจะมีการคิดอัตราดอกเบี้ยแบบรายวัน นับตั้งแต่วันที่กดเงินออกจากตู้และมีอัตราดอกเบี้ยอยู่ที่ 18%-28% นับว่าเป็นอัตราดอกเบี้ยเงินกู้ที่สูงเลยทีเดียว ข้อดีของบัตรกดเงินสดคือ ได้เงินทันที วงเงินกู้สูงสุดค่อนข้างสูงมากกว่าสินเชื่อประเภทอื่น ๆ ไม่ต้องใช้หลักทรัพย์ในการค้ำประกัน ข้อเสีย คือ อัตราดอกเบี้ยที่สูงกว่าสินเชื่อประเภทอื่น ๆ เช่นกัน ข้อกำหนดของธนาคารในการกู้เงินบางครั้งทำให้เจ้าของกิจการได้รับอัตราดอกเบี้ยที่สูงกว่าพนักงานประจำ

3. โรงรับจำนำ

มาถึงทางเลือกแหล่งกู้เงินทุนสุดท้ายที่เราจะมานำเสนอให้คุณในวันนี้ นั้นก็คือ โรงรับจำนำ คุณสามารถนำสิ่งของที่มีค่า อย่างเช่น แหวนเพชร ทองคำ นาฬิกา หรือ คอมพิวเตอร์ มาเป็นหลักทรัพย์ในการค้ำประกันเพื่อแลกเป็นเงินสด มีการจ่ายดอกเบี้ยตามตกลง หากมีการผิดนัดชำระเงินคืนเกินกว่าเวลาที่กำหนด โรงรับจำนำจะถือว่าสินทรัพย์นั้นได้กลายเป็นของโรงรับจำนำโดยปริยาย ข้อดีคือ ได้เงินไว ใช้สิ่งของที่มีราคาทุกชนิดมาเป็นหลักทรัพย์ค้ำประกันได้ สามารถนำเงินมาไถ่ถอนของคืนได้เมื่อต้องการภายในระยะเวลาที่กำหนด สำหรับโรงรับจำนำของรัฐมีอัตราดอกเบี้ยที่ค่อนข้างต่ำ คือ 0.25% – 1% ต่อเดือน ข้อเสียคือ วงเงินที่ได้ไม่สูงนัก คาดหวังไว้เลยว่าสิ่งของหนึ่งชิ้นมักจะกู้เงินได้ไม่เกิน 100,000 บาท และ 1 คนได้วงเงินไม่เกิน 500,000 บาทต่อวัน

เป็นอย่างไรบ้าง สำหรับแหล่งกู้เงินทุนสำรองทั้ง 3 ประเภทที่เรานำเสนอให้คุณในวันนี้ โปรดเลือกแหล่งกู้เงินให้เหมาะกับธุรกิจและเหมาะกับแต่ละสถานการณ์ของคุณ เพราะอย่างที่กล่าวมาแต่ละแหล่งกู้เงินได้ไม่เท่ากันและมีความยากง่ายในการอนุมัติเงินกู้ต่างกันนั่นเอง

ขอขอบคุณบทความดี ๆ จาก www.masii.com

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Others provide the type of rooms that being offered with regards to their accessibility and also the cost per space per individual like the rates and room taxes and whether it is a suite, simple or double. The listings from other websites are large comprising details about record of the rooms executive hotel features and so forth. There is easy booking method performed through these websites.

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Cheap resorts will make your travel activities not merely satisfying but more repeated as you produce savings by examining rates cautiously before you start. The occasions when mysterious secret trips used some interest are over, changed by particular purchasing and sensible journey planning.

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Among the more attractive options that come with resort contrast sites is that not just do you’ll get important home elevators prices; the majority give several unbiased evaluations of a certain hotel. You’ll feel far more confident booking into an establishment with a handful of shining recommendations and these might not be easily obtainable elsewhere.

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There are many points homeowners may do to update their home. Regardless of how great, huge, or new, every homeowner features a wish list of issues that want to alter within their home. For houses that use fuel for some of their energy, finding a fuel tankless water heater will save you on energy and build decrease bills each month. Heating water in a reservoir is generally 30 percent of the common home’s power budget. Converting to fuel tankless heaters helps you to save homeowners on these power costs. They use large power burners to quickly heat water as it goes via a heat exchanger.

Savings with a tankless heater is around $70-80 a year. But, they originally are extremely expensive to purcesed and install. Some experts calculate that it can take 22 decades to separate even. That quantity really depends on where homeowners purchase the heater from. There are many independent tankless heater stores which could present greater discounts therefore homeowners get a bigger return on investment.

Originally, tankless heaters price $800 to $1,150 to get and install. Old-fashioned reservoir heaters cost $300 to $480 comparatively. However, long-term price savings make the initial expense worthwhile. When installing, tankless heaters require electrical retailers for the digital regulation process alongside enhanced fuel pipes and a brand new ventilation system.

Tankless water heaters create large levels of water heater on command. But, they do not instantaneously provide warm water. Just like tank heaters, the water is cold at first until the warm water can get to the tap in time.

There is a research behind this, in place of reservoir heaters which obviously feed in cold. A tankless heater will send cold water first to gauge what kind of temperature is there. The warm water may not give if persons only desire a bit of water , such as for example when shaving.

Since tankless heaters regulates by electrical regulates, if there is a power failure homeowners will lose warm water. This issue also does occur in tank heaters. Tankless units need more care than reservoir heaters. To simply help minimize the amount of treatment needed, homeowners can get specific valves installed and for all the pipes flushed out with vinegar. Tankless heaters also needs servicing annually with a competent technician.

This is because a calcium accumulation can cut the performance of the heater , along with limit water movement and injury models. If homeowners live in a tough water area (a ranking above 11 grains per gallon), a water conditioner is installed. Guarantees are created emptiness in case a water conditioner is not installed.

Old-fashioned heaters will use between 30,000 and 50,000 BTU of natural gasoline or gas to temperature the water every time the sitting water starts to lose its heat. Tankless heaters need between 150,000 to 200,000 BTU to warm up water on demand. These figures change some people faraway from purchasing a tankless heater.

These figures seem bad, but homeowners need to understand how often traditional heaters need to be reheated during the day. Even with padding, they’re continually dropping their heat. The gasoline shoes on, cooks it, turns off, then the process repeats. Depending on how usually homeowners require warm water , the tankless is really a better choice.…

On the Web today, there are numerous people who call themselves web manufacturers and web design companies. Many people do it for fun, as an interest or part-time. Web makers that design full-time are the way to go.. Some body who web design within their part-time seems not to take it as severely as somebody who does it for a living. There are also individuals who do web design , who’ve number conventional training. Make sure that your web custom has some formal training from a acknowledged school. Individuals who are home taught, while I applaud them for doing it, have counted on the Net for all their data, and everbody knows information on the Web could be inaccurate.

The web design organization you select for your challenge needs to have appropriate experience. If you would like them to design a e-commerce site, it is most beneficial to select a web custom who has e-commerce sites inside their portfolio. Your web design business must be ready to send a proposal for the website challenge plus a contract. Beware of organizations who don’t provide you with a conventional contract. The contract must outline just what the web custom can do and just how long it will take, the price, and that which you have decided to supply. A formal contract is the greatest way to prevent disagreements between the diseño web estados unidos and you. Ensure that your contract traces every possible issue that may happen.

You will find different types of sites such as for instance: static HTML (brochure type), e-commerce (with a looking cart), repository, Flash and a web site with your own personal material management system. All of these should come right into perception when you’re buying web design company. For example if you’re buying a fully involved Thumb web site you better be sure that the web design organization you select did several Thumb websites.

There’s a difference between businesses who is able to do Flash headers for a typical HTML site and web makers who can produce a complete thumb website. Your very best guess when selecting a web design business is to truly have a experience to manage conference when discussing what it’s you would like to have your web site seem like , also some sketches and some handles of sites that you like. This gives the web design business the opportunity to fully understand what you are looking for and a better chance to offer a precise proposal.

Does the web design business have an upgrade offer? You should know that after your web site has been created, from time to time you will need updates. Perhaps they will be little maybe not. If the web design company you’re choosing does not have an upgrade package, you ought to ask about the buying price of improvements after the first design. You should get the buying price of upgrades into consideration before you start the design process. Ensure the web design organization or web designer you select units sensible objectives for the timeline. Often if it seems too good to be correct then it is.

Many web designers have their particular personal style. For instance my own fashion is clear and brilliant colors. Some web design organizations love Flash and always build Thumb websites. This will maybe not be ideal if you are searching for an extremely search engine friendly website.

You’d also have to consider guarantees. Does your potential web design company provide a assure? Many web design organizations do not. Then when you will find one would you, you can understand that they feel really confident inside their capabilities. One more thing to think about is: Does the web design organization display a phone number that they’ll be approached at. Often as a client you want to consult with somebody, not just get an answer to an email the following day.

There are a several ways to locate web design companies in your area. One way is to search the web for: “Vancouver web design ” or “Sarasota Web design “, obviously depending on the town closest to you. You might also research the Orange pages for web design companies. Most web design companies who can afford to market there have created quite a get name and will be in company for a while.…

Playing poker is a fantastic interest and an participating form of entertainment. Although a lot of times previously you could have discovered that you wanted to play poker but weren’t shut enough to a casino to only go in your car or truck and run using in to have a seat at the poker table. That is where on the web poker gambling makes the picture. On the web poker is an significantly common way of playing poker from within the confines and ease of your personal home. As you can perform many different types of poker games at casino establishments, online poker sites also produce this sort of variety with regard to poker activities offered to its poker players. Enjoying poker online via an on line poker site differs in a few ways from playing in a real casino environment. It is important to focus on those variations thus allowing yourself to really make the decision of whether or not playing poker card activities online is the proper choice for you.

One manner in which playing poker online and playing poker within a casino differs, relates to the betting limits which are required on the poker players. When playing poker on the web by means of an online poker internet site, the web poker participant might not be needed to hold the maximum amount of money for an ante whilst the poker player that’s enjoying this sort of card game within the casino limits. This is one of the numerous benefits of playing poker in an online setting. Several people just want to play poker for enjoyment or to create a small paying money perhaps and are careful of endangering large amounts of money in the process. The different on line poker websites enables the prospective online poker participant to guess smaller amounts of money compared to the casinos may at times. That is a stylish feature of the online poker websites. If you should be seeking to spend little levels of money, this might be the kind of gaming situation for you. If money is not any subject, then maybe you will choose to visit a physical casino. However, remember that specific on the web poker websites can sponsor higher betting limits.

Another way in which playing poker on an online poker web site varies from the casino environment is having less other people in your physical vicinity. Casinos may make a person turn into a bit claustrophobic after awhile and if you’re the kind of individual that loves his or her own space, then on the web poker gaming on a poker gambling web site may you should be the answer. When you’re enjoying poker on line you’re playing against different people; nevertheless, the upside to this is that you are perhaps not crowded in a tiny, rigid region with those other people breathing down your throat, looking to get you to hurry up and make a move. Not only can this sort of participant behavior on the portion of one’s colleagues be ridiculous but it can also make you determine to enjoy in a way which you would not have done had you been given enough time and room to consider the move through. This can be a definite plus to playing poker on line rather than in a casino. If you should be eager on the idea as well, however, probably on the web poker playing is the pot of tea https://pokeronlineok.org.

A third method by which an on line poker site might be proper for you is if you enjoy pleasure and wish to enjoy more than one game at one time. By enjoying the poker game in an on the web setting, you have the ability to enjoy multiple sport at one time. This isn’t possible in a physical casino placing since the only path a person could possibly be playing at multiple dining table at one time would be if that person had actually long arms, which is extremely unlikely. Therefore, by applying online poker sites you are able to enjoy 2 or 3 games at once. The choice is up to you. If you have the awareness skills to take this down, then this could be another attractive detail that might draw you in to enjoying in an online poker sport setting.

One last method by which enjoying poker activities via an online poker site may be proper for you personally is if you like the capability of lacking to keep your home to be able to enjoy some gaming entertainment. On the web poker websites are really easy for a number of reasons. First of all, you do not have to operate a vehicle anywhere in order to perform poker. You merely wood to the internet via your web provider, relate genuinely to a certain online poker website and get down to business.

Another reason why online poker sites are extremely easy is they permit you to jump proper into a sport without ever having to attend for a seat to open up. Lastly, on line poker websites are incredibly easy alternatives for the devoted poker participant in they allow you to pay money and obtain money using a few fast variations of the keypad. Payment methods companies that become a spin between from on the web poker participant to on line poker site enable money to be transmitted easily and efficiently from on line poker person to online poker site thereby ensuring that both or both individual(s) are compensated in a quick manner.…