The Vsmile educational game system is an extremely interactive and educational fun and learning system developed by Vtech to cater kids and children ages 3 to 9 years old. The whole gaming package comes with a console that is the game controller and ROM cartridges, also being referred to as “smartriges” by many. Smartriges are commonly referred to as vsmile games – they are removable cartridges one inserts on the console that contains specific games for children to play. Smartriges are also said to be a good innovation in the gaming history because they are in their nature, robust and damage resistant. Many home video game systems utilized the cartridge based system and this was the predecessor of the CD based game systems that are widely used today. However, for kids, the vsmile educational game system is really practical because they are said to be durable and tough to last for a couple of years if they are properly maintained.Now that everything has become mobile these days, vtech also released a variant of the vsmile education game console – that is, in the form of vsmile handheld versions. Now you can virtually go out on a trip and play with your favorite games using this mobile game system. A wide variety of gaming consoles have been designed and they are sometimes classified according to gender: there are blue colored ones for boys and the pink ones are for the girls. Vtech also incorporated different themes for these kids’ enhanced gaming experience – as you may have notice, vsmile games have wide array of games to choose from based on thematic concepts and cartoon characters – to name a few, Scooby Doo, Bob the Builder, The Wiggles, Cars, Ratatouille, Kung Fu Panda, Little Red Riding Hood, Spongebob Squarepants and a whole lot more.Myriad options for Smartriges or vsmile games are licensed from different trademarks and sometimes that nature of each vsmile game is dependent on its theme. So your kid will never be bored because he or she can change smartriges every now and then to explore more games. Smartriges are also classified further according to age appropriate games that would be best suited to different age groups: the beginner’s group (ages 3-5), junior thinkers (4-6), masterminds (6-8) and advanced (6-9). The age group obviously overlaps to show that some kids are likely to enjoy one after the other, or at the same time.Other parents would think that vsmile educational games systems are just pure entertainment for children. But the truth is they are intentionally designed to be highly interactive so that kids will learn a lot from them. This is the toy company’s version of “active interactive learning” through an action based gameplay.
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Banks generally offer lower interest rates than alternative lenders. However, many have strict lending requirements that leave some borrowers without traditional loan options. Thus, there is a market for alternative loans, as borrowers have to get money from somewhere.Alternative loans include car title loans, payday loans and personal loans from friends and family. Let’s compare these types of loans.PracticalityWhen shopping around for a loan, it may seem best to go with a loan from a friend or family member. If you have someone that you fully trust that is willing to lend you money, this may just be the way to go. Still, this is a risky venture for several reasons.First, consider what will happen if your friend or family member refuses your offer. Will this person be offended that you even asked? Will you be upset that he or she won’t give you a loan?Second, consider what will happen if either you or the lender fails to meet a provision of your agreement. For example, what if your friend decides to back out of part or all of the loan. Will your friendship be strained?Doing business with family and close friends can be very beneficial, but it also can damage or ruin a relationship. With this in mind, it may only be best to seek a loan from a friend or family member if there is an unbreakable trust.Note that with a pawn loan, you’ll have to transport an item to the pawn shop. This could be a hassle if you are pawning a large item.Payday loans and car title loans typically just require documents, making them among the most practical to obtain of the various types of alternative loans.Interest RatesInterest rates on loans from family and friends will almost always be lower than those on other alternative loans. However, keep in mind that you will risk your entire relationship with such a person.Interest rates on payday loans are very high. To illustrate this, the typical annual interest rate on payday loans in Missouri is 445 percent.On pawn loans, the rates are a bit lower. For example, Texas law allows for a maximum of 240 percent in annual interest charges.Car title loans are in the middle with an average annual interest rate of approximately 300 percent.Note that you’ll find a wide range of interest rates for all of the mentioned loan types, so you can get a much lower rate that mentioned by shopping around. For example, some car title lenders offer rates at half of the mentioned interest rate, which would save you a lot of money when compared to average lenders.RisksAny type of loan carries risks.With a loan from a friend or family member, you will risk damaging the relationship. Also, if you do not pay the loan back properly, the issue could ultimately end up in court.With a payday loan, you also run the risk of being taken to court. If a judgment is awarded in favor of the lender, you could end up having your wages garnished, a lien against your assets or some other type of problematic financial situation. Borrowers of such loans default 10 to 20 percent of the time.Pawn loans involve the risk of total loss of the relevant asset. For example, if you pawn your television and do not pay the loan back, the pawn shop will keep it and eventually sell it. Approximately 20 percent of pawned items are not returned, based on information from the National Pawnbrokers Association.Car title loans involve a risk to the borrower’s vehicle. If the loan is not repaid, the vehicle may be repossessed. This happens 4 to 8 percent of the time, making such loans less risky than payday loans and pawn loans.ConclusionOf the various types of alternative loans, a personal loan from a friend or family member will usually be the cheapest. However, this method of borrowing can be very awkward and strain a relationship.As for the other mentioned loan types, payday loans and car title loans usually require the least effort to obtain. Car title loans usually have lower interest rates, giving them an edge over payday loans.Whichever loan type you choose, be sure to pay it off on time. By doing so, you’ll borrow the money you need without any problems on the back end.
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Asset based financing can defined as the provision of structured working capital and loans secured against company assets, such as land and buildings, plant and machinery, vehicles, stock and debtors.Asset based financing providers can offer a structured funding package which is secured against the business assets. This means that the lender has increased security and allows them to offer the greatest range of finance available.Asset based financing is available to all businesses in all sectors and industries. It is often used by new and start-up businesses as well as those looking to refinance existing loans. It is also often popular with companies who are looking to fund mergers, acquisitions and management buyouts.The solution to this is that a lender will provide the company with the finance to continue trading. Once the company is in a position to pay back the loan, they will do, including any additional interest charged for the loan.One of the most popular examples of asset-based financing is known as ‘purchase order financing.’ This is usually employed by companies who have reached their credit limits with their suppliers and reached their lending capacity with traditional banks. Businesses who find themselves in this position are often unable to operate at full capacity, meaning that they cannot fulfill orders and so can’t supply their products or services to their customers.By using the value of accounts receivable in order to guarantee the loan, in other words, invoices that are due to be paid to the company, the business can often get a loan of around 75% of the face value of recent invoices.By utilizing Asset Based Financing, the company still retains the assets, but if they default on the loan, the lender can seize the assets. Asset based finance can be very useful for companies that perhaps don’t have perfect credit, or haven’t been trading long enough for a more traditional business loan. In order to get the most from asset-based financing, it is vital that you seek the advice of professionals who will be able to assess your situation in a considered and knowledgeable manner. From here, they will be able to advise you on the most appropriate course of action.If you’re a new start up company and have more orders than products due to financial issues, or if you’re currently having cash flow problems, why not seek Asset Based Financing Advice, and see if this method of raising company finance is right for you?
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