Monthly Archives: August 2011

Questions You Have to Ask When Buying Suzuki Motorcycle Parts Online

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There are several questions you really have to ask when buying Suzuki motorcycle parts online. We venture to explore them. We will also be seeking to understand what you’d be seeking to know (and what exactly you’d be looking out for) in asking each of these questions. They are, by the way, pretty much applicable to buyers of all sorts of motorcycle spare parts who shop for the parts online. They are not just applicable to buyers of Suzuki motorcycle parts. They’d still be the questions you’d need to ask Internet-based Kawasaki motorcycle part dealers if, instead of Suzuki motorcycle parts, you were looking for Kawasaki motorcycle parts.

They include questions as to:

1. Whether the motorcycle parts on sale are genuine. It emerges that there are genuine and counterfeit motorcycle parts on sale. Your best bet, of course, would be in buying the genuine ones. Yet, if you are a well-bred person, you can’t openly blurt the question as to whether the parts being sold are genuine or counterfeit (and you won’t get an honest answer anyway). A better approach would be to look for the telltale signs: and you can’t miss them, if you are keen enough.

2. Which country the motorcycle part dealers are in. If they are in another country, you will be, effectively, importing the motorcycle parts — and you should be ready to deal with the fairly complex logistics associated with importation of stuff.

3. How and when the motorcycle parts you buy are to be shipped to you. This will tell you how long you have to wait for the motorcycle parts, and what shipment tracking measures you may need to take. If you are buying motorcycle parts to revive a grounded motorbike, this would effectively be a predictor of the duration of time you have to wait, before you can get the machine up and running again.

4. Who is to foot the shipping bill for the motorcycle parts bought. This would tell you what the real cost of the parts is. For if it emerges that you are the one to foot the motorcycle part shipping bill, then you’d need to add that to the ‘quoted price,’ in order to arrive at the ‘actual price’ of the Suzuki motorcycle parts in question.

Three Types of Business Loans Popular With Retailers

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There are three types of business loans which are very popular with retailers. We venture to look at each of these, and what exactly it entails. All this is against a background where the type of business done by retailers tends to be very unique – such that they can’t really benefit from many of the traditional business financing approaches. For one, situations often come up in the retail business where money is needed urgently, and there is no time to go through the process of applying for ‘traditional’ forms of business financing.

Against that sort of background, the three types of business loans popular with retailers include:

1. Bank overdrafts: this is where a retailer may get into an agreement with a banker that, whenever need arises, they’d be allowed to overdraw their accounts (that is, to withdraw more money than that which is in their accounts – subject to pre-agreed limits). They’d then deposit money into their accounts to repay that overdrawn sum within a certain duration of time: normally within a year. Such arrangements are usually only available to retailers who have, over time, developed very good relationships with their bankers.

2. Merchant cash advance: this is where a retailer gets cash from one of the lenders who offer such credit facilities, with future credit card (and/or debit card) sales as security. Having taken the merchant cash advance, the retailer allows the provider (the firm which gave the advance) to access his or her credit card and/or debit card payments gateways directly. The firm then deducts a certain sum of money from payments flowing to the retailer who took the advance through the credit card and/or debit card payment gateway, till the advance (and interest on it) is repaid. Of course, in this duration, the merchant cash advance lender doesn’t take everything coming through the payment gateways: just a reasonable amount, to ensure timely repayment of the advance.

3. Trade merchandize credit lines: this is where, rather than borrowing cash, a retailer gets into an agreement with a wholesaler (or any other sort of supplier), to be getting merchandize for resale on credit. The retailer in question then repays the wholesaler (or whichever other supplier) when they manage to sell the stuff thus ‘lent.’ Thus, a retailer with a relatively limited capital funding is still able to maintain a well-stocked retail outlet, through these trading merchandize credit lines extended by suppliers.