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The most common question that both myself and my colleagues are asked is how to make the choice between leasing or renting a new van. What are the significant benefits of taking a lease compared with a standard rental agreement?

The answer is quite simple. When you lease a van you get to choose which van you have, from the extensive range of familiar makes and models. It is possible to choose which colour you want, what options and specifications and size that is suitable. As a customer, you would be spreading your payments monthly over an agreed period which is going to be cheaper than renting. It is becuase the finance company knows exactly how much money it will be earning from the customer because of the customer’s committment to the deal.

Because we have such a high turnover of vans, we can get the best possible prices, and pass them straight to the customer. This means lower costs at the start, helping to improve the customer cash flow. The customer has the option as well to own or sell the van at the end of the van leasing deal.

There is also an added bonus of being able to use your own logo on the van and also add extras such as interior racking and roof racks.

Alternatively, with rental you can pay your rental charge each month and have nothing to show for it at the end of the period. This for me is the least attractive of all the options on the table, and is less helpful for any business.

To find out more, see our ‘financed explained’ section on our website which covers topics such as van leasing UK and pick up truck leasing.

On 28 September 2009, the government announced plans for a further £100 million funding for the scrappage scheme. This means that the scheme will now cover up to 400,000 vehicles.

The rules of the scheme will be unchanged except for the date of first registration in the UK, and apply only to the purchase of a new vehicle and does not extend to van lease.

Citroen sold more vans under the scrappage discount scheme than any other manufacturer for the third month in a row during November.

The company managed to sell 152 LCVs during the month of November, 26% of the total number of LCVs that were sold through the scheme.

It sold a total of 548 vans over September, October and November via the scheme – 25.7% of the total number.

Since the government’s scrappage scheme was launched in the spring, there have been 825 Citroen registrations.

Citroen’s Robert Handyside, Commercial Operations Manager, said recently:”Many of the UK businesses with older vans, have been very happy to upgrade them to a modern version.”

Figures released in the month of September named Citroën as the number one choice for new van buyers.

One in ten vans sold were made by Citroën during the month. There were a total of.

Contact your local dealer to see if they have joined the vehicle discount scheme. They will check that your vehicle and the new vehicle you want to buy both meet the rules of the scheme. When you have reached a sale agreement, the dealer will handle the paperwork and make the arrangements for your vehicle to be scrapped.

To know more information, see how we can help your company with our special commercial vehicle leasing deals. mercedes van leasing and Volkswagen van leasing are just some of the options out there to choose from.

There are several different ways to finance the cost of your vehicle including personal contract purchase, van leasing, van contract hire, lease purchase and loans for your van. Many people are confused by the differences in these financing options so I thought I would focus on ‘van contract hire’ and explain how this technique works.

Leasing deals with one of the biggest issues associated with the acquisition of new vehicles and that is depreciation. The value of your brand new van falls through the floor, even before you have driven away from your supplier.

When you take out a van lease the residual value of your selected vehicle is calculated. This is the estimated value of the vehicle at the end of the agreed lease period, usually 2 or 3 years, based on your expected mileage in that period. This calculated residual value is then deducted from the manufacturers retail price and the remaining sum is divided up into monthly payments that you will pay over the lease period. So the higher the residual value in comparison with the current value, the less you will be paying each month.

Contract hire is a vehicle financing method that has maximum benefit for customers who are registered for VAT, so it is most suitable for businesses and the self-employed. If your vehicle is used exclusively for business purposes you can reclaim 100% of the VAT. Even if your van or van is used for some personal use you can still reclaim 50% of the VAT.

A contract hire agreement means that you have actually hired the selected van or van for an agreed period, usually between 1 and 5 years, during which time you will pay the agreed rental, based upon mileage. At the end of the agreed contract hire period, as in the case of van leasing, the vehicle is returned to the supplier. You will not encounter any painful surprise disposal or depreciation costs.

Van Contract hire will generally include full vehicle maintenance which can optionally include routine servicing and even replacement tyres. Up to 100% of your contract hire rental charges can be offset against your taxable profits and minimal capital outlay is required.

It’s no surprise that contract hire is the favoured vehicle financing option for many businesses and self-employed people.

I am often asked whether these types of deals are extended to pick up truck leasing or small van leasing, as opposed to just van leasing. The answer is yes, with competitive pricing available from Mark Williams.

For commercial contract hire I would recommend Mark Williams Vehicle contracts.

If you are going to lease a car you will want to be getting a good deal with an affordable monthly payment. You will have to look at a variety of different offers from more than one car lease company if you are to ensure that you get the best price available. You should not accept the first offer you see. You can be sure of getting a good price by making sure that you look around for all the deals on offer. It is important that you do not choose the first car lease company you look into and assume that all offers will be similar. Your business is something that many different car lease companies will be fighting for so it is good to remember this. It is possible to use the fact that these companies want your business to ensure you get the best price. It is also important to note that the price you accept at the beginning of your lease will be the price you will pay for the length of the lease. Even if you come across a better deal somewhere else you must still stick to the terms you have agreed upon.

When you begin your search for the best deals you would probably be better off looking online first. You can use the internet to compare the deals on offer from a number of different companies. You can check what offers they have without even having to leave your home or pick up the phone. You can secure better payment options by using the fact that there are other car lease companies willing to offer you a better deal. If you are aware of offers that other companies are giving you can haggle for a better price.

A lower monthly payment is one of the main goals of everyone wanting to lease a car. If you find the perfect car to lease, getting a good price will make it even better.

If you feel you want to look into contract hire, taking a look at various models prior to deciding on which one you require is often the best way forward. Ultimately you could enjoy iveco van leasing or even daihatsu van leasing options.

For the knowledgeable, active investor who wants to participate in big picture trends, the Exchange Traded Fund or ETF Trading has many advantages over the traditional Mutual Fund. ETFs are far more transparent, efficient and economical.

Using ETF’s is an excellent choice when utilizing a trend trading method.

Be A Control Freak.

You know it’s true: the only person who really cares about the health of your portfolio is you. Using Mutual Funds to increase your net worth is like depending on the school cafeteria to improve your kids’ diet. They act in their own self interests which are influenced by a lot of political elements you’ll never be privy to.

Specific Mutual Funds are often managed by younger, inexperienced staff. They’re looking to prove their worth to the fund family and your well-being may or may not serve that goal. The larger funds are managed by experienced managers who have alliances and interests unknown to their companies. In addition, your buy and sell orders can only be filled at the daily open price. Intraday fluctuations do not show up in the fund’s price.

A sector specific ETF is purely affected by the stocks included in its holdings. You don’t have to worry about the manager’s extraneous motivations for trading or diversions. Barring any unusual events like a bankruptcy, merger or de-listing, your ETF basket remains the same. You may even chose when during the day to buy or sell an exchange traded fund -as they trade anytime the market is open. Want in or out during breaking news effecting the markets? No problem with an ETF.

Knowledge is Power.

As an active  trading investor, you follow the markets and keep abreast of the political and economic trends. . Why would you want to turn over the power to act on that information to a third party Mutual Fund manager?

Fund managers, in order to protect their turf, restrict the information they share with fund share holders to the legal requirements. During the lag time between reporting periods, they may move in and out of positions, even change the fund’s primary focus, without your knowledge. Additionally, “window dressing” to create the illusion of a fund holding this quarter’s winning stocks, is a time honored tradition that results in selling low and buying high, never a good way to make money.

Transparency is built into ETFs. They establish their holdings and are committed to retaining them. You know at all times what you own and you can clearly see the results of your decisions to buy or sell the fund. There is no need to dress-up a quarterly statement for reporting.

Taxing Issues.

Mutual Funds buy and sell positions unrelated to the tax implications for individual share holders. They may sell to meet redemptions and buy to put new deposits to work. This often results in short-term gains that increase your tax burden. The famous end of year capital gains distribution may also cause you to be “credited” with gains you’ll pay taxes on. An unexpected capital gain distribution is fair less likely from an exchange traded fund.

The timing of your ETF trades is strictly up to you. If waiting a few days or weeks to sell will shift your earnings into a lower tax bracket, you can choose to take the risk and wait. You put new or recycled money to work when it’s best for you, not because you have limit on the amount of cash you can hold. And you don’t have to wait to find out what your taxable earnings are; you can see what your portfolio has generated at any time of the year. This will make tax planning that much easier.

Lower Fees and More Options.

No options exist for traditional Mutual Funds. The opportunity to control assets without owning them only exists for individual securities and the ETFs that own baskets of stocks. And, just because that Mutual Fund bills itself as “no-load” don’t think you’re not paying the managers salary and bonuses. 12b-1 fees are just the ones that you see. Transaction and management expenses are deducted from earnings before they ever get to your account, further reducing your gains.

ETFs have extremely low fees because no manager needs to be making adjustments to the fund’s holdings - and no wondering what went out the back end. For active traders who want to look at the big picture instead of betting on individual company’s ability to produce returns, the ETF is far superior to the old fashioned Mutual Fund in just about every way.

For those who still think they can set it and forget it, letting a professional fund manager decide what to put their money into, they’re going to pay for that privileged with their hard-earned money; working years longer than the investor taking control of their own accounts with EFTs and a proven trading system.