Page 3 - September October 2014

September/October 2014
Telecom Reseller 3
Lease or Loan? What You
well as the costs for transportation, delivery,
installation set-up and other deferred costs
www.telecomreseller.com
(e.g., sales tax). Loans usually require a down March/April 2014 Need to Know to Decide
SUBSCRIPTIONS & CIRCULATION
payment and don’t include the other cost
SE 28th Street, Vancouver, WA 98683
beneits. Ask how much of a down payment is
needed.
Call: 561-732-2335
E-mail: publisher@usernews.com Telecom ResellerTM
ADVERTISING telecomreseller.com
Can the company use the
Call: 360 260-9708 Toll FSruebes:cr8ip0t0ion6s67-8965
depreciation or would the company What is the monthly budget for the SUTTON
get a greater beneit from expensing the lease payments?
Or change address, unsubscribe: 17413 SE 28th Street, Vancouver, WA 98683
equipment?
Fax: 360 260-9726
getting the point to pEo-imntail: publisher@usernws.comCall 561-732-2335 y
Consider the monthly cost for a piece of Webwww.telcomreseller.com• E-mail publisher@usernews.com
ed on order for some analog Advertising
by William G. Sutton, CAE,
Tax treatment is an important consideration
equipment and how it its into your budget. Call 360 260-9708 • Toll Free 800 667-8965 • Fax 360 260-9726 NEWS DEPARTMENT
location to carry the new Web www.telecomreseller.com • E-mail publisher@usernews.com Please e-mail articles and press releases as attachments in Microsoft
President and CEO, Equipment
in choosing between a lease and a loan. A loan In general, leasing will provide lower monthly d technology, but so is the News Department
Word format to jeffowen@telecomreseller.com. Suggested length
Please e-mail articles and press releases as attachments in Microsoft Word format to
Leasing and Finance Associ-
provides a depreciation tax beneit; with a lease, the lessor owns the equipment and realizes
payments.
Will the equipment become obsolete while it it still works ine. Howeisv2e5r0,-300 woerdditsor.@Autsetrhnewes.ncodmo. Sfutghgesaterdtilcelneg,thpilse2a5s0e-3p0r0owvoidrdes. cAot nthteacentd of the article,
somehow, and the providerplease provide contact information. Do not send graphics. We reserve the right to edit
ation (www.ELFAonline.org)
the tax beneit, which is usually relected in a is still needed for the operation?
information. Do not send graphics. We reserve the right to edit for content and length.
bers are pointed to the CO for content and length. For further clariication, please visit www.
W
m
lower monthly rent payment for your business Protection against obsolescence is one of the For further clariication, please visit www.telecomreseller.com and click on Submission
t was possible.
telecomreselleGur.icdeolimnesa. nOudr Ecdlictokriaol nCaSleundbamr (iaslsoionliGneu) isduesleinfuel fso.rOapupropEridaitteosurbiajelct matter. hether you inance equipment a
and the ability to expense the payment. If your many beneits of equipment leasing, since the Calendar (also online) is useful for appropriate subject matter.
through a lease or loan, each e right, it’s not pos- Publisher and Director of Advertising
business cannot use the tax beneit, it may make risk of obsolescence is assumed by the lessor.
has its advantages. In evaluating
Douglas Green, publisher@usernews.com
alog DID trunk, therePublisher and Accounting Deputy Publisher
nt between the central n e
more sense to lease because you can trade the Director of Carole SangTiorgaiocy Titus
to initiate the call, and Advertising Executive Editor
your options, it is important to look at each
depreciation to the lessor in exchange for better Will the equipment be used for a ill send DTMF digitsDouglas Green, alternative to determine which will best balance Jef Owen
Copy Editor
Michelle Moody
w
cash low.
speciic contract or can it be used for BX will then route the publisher@ usage, cash low and your inancial objectives. Accounting
Tracy Titus
Technology Editor
other projects?
digits received. Youusernews.com
the provider send theConsider the following 10 questions:
Copy Editor
Michelle Moody
Ray Horak
e
How will a working capital facility be If a piece of equipment has limited use within Deputy Publisher t match your extensionTechnology Editor
rayhorak@
impacted?
a speciic contract and won’t be used for
Carole Sangiorgio
How long will the equipment be hopefully, you have Graphic Design and Production Ray Horak, rayhorak@usernews.com
usernews.com
d
Many businesses have an aggregate line of other projects, you don’t want to pay for idle required?
Executive Editor
bers match the DID Jeff Owen Spritzer TGyperaandpDhesigcn Design
m
credit through a bank to be used for inventory equipment. With a lease you can stop the Generally speaking, if the length of time the . So for example, your The publishers of this newspaper assume no responsibility for statements made by adver- Raspberry Jam Creative
purchases, improvements and other capital equipment expense when the income from it equipment is expected to be used is short tisers in their advertisements, nor do they assume responsibility for statements or opinions
ouldbe1234andyToheuprublisheresxporfestshedisorniemwplisepdainptehrecaoslusmumnseofnthoisrnewspspoanpesri.bilityfor statements made by advertisers. in their advertisements, nor do they
be 555-1234. You
d
expenditures.
ceases.
term (36 months or less), leasing is likely the assume responsibility foNrewsstpaatpemr delnivtesryotro copnfienrieonncesperxfoprrmesdsbeydCToSrAimr Seprlviieced er to send the last four
d
It is oten possible, and preferable, to preserve
How much cash would be required up front?
preferable option. Equipment expected to be r so the call would just in the columns of this newspaper.
e
Leasing can oten provide 100 percent used for longer than three years could be a r phone. On a ground
Newspaper delivery to conference
u
SUTTON continues on page 5 ››
inancing of the cost of the equipment as
candidate for either a lease or a loan.
(or loop start for that
performed by CTS Air Service
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