алиэкспресс buy vs lease

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Что лучше Aliexpress или eBay?

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Многие интернет-шопоголики часто задаются вопросом: «Где лучше совершать покупки на Ebay или Aliexpress?». Ответить однозначно на этот вопрос можно исключительно исходя их своих потребностей. Если вам нужен простой и недорогой товар либо копия известного бренда, вы, несомненно, найдете его на Алиэкспресс. Если вы нуждаетесь в более качественном и дорогом продукте либо ищите продукцию раскрученных и известных брендов, то лучше воспользоваться Ebay. На Ebay также можно приобрести товар бывший в употреблении, в то время как на Алиэкспресс продают только новый товар.

Основной идеей обеих торговых площадок является предоставление продавцам интернет-платформы для продажи любых товаров. Сами компании лишь выступают в роли посредника при заключении договора купли-продажи между продавцом и покупателем. И Алиэкспресс, и Ебей давно известны своим качеством, гарантиями и удобством заказа. Для того чтобы можно было привести более объективные доводы по теме Ebay или Aliexpress, рассмотрим подробно преимущества и недостатки каждой компании в отдельности.

Ebay или Aliexpress

Первое что стоит выделить при сравнении торговых площадок Ебей и Алиэкспресс – это то, что на Ебей продажи осуществляют независимые продавцы, отдельные люди, которые после совершения сделки забывают про этот сайт навсегда. На Алиэкспресс же функционирует множество магазинов и торговых представительств, которые часто предлагают сидки своим постоянным клиентам.

Если сравнивать масштаб работы и размер площадок, здесь, конечно же, лидирует Алиэкспресс, так как компания Alibaba Group обслуживает больше стран и задействует больше сил для обработки заказов. Но по количеству продавцов и широте ассортимента однозначно превосходит Ебей, ведь там продают продавцы со всего мира (США, Великобритания, Китай, Канада, Франция, Россия, Германия и т. д.) в то время как на Алиэкспресс – только Китай.

На Алиэкспресс большой выбор китайской продукции и цены здесь достаточно низкие, однако, открытая продажа товаров от известных мировых брендов запрещена.

Удобство платежа на Алиэкспресс и Ебей

На Алиэкспресс можно оплатить заказ любым из предложенных на сайте способом:

  • Webmoney;
  • QIWI;
  • Банковскими картами VISA, MasterCard или Maestro;
  • Яндекс Деньги;
  • Western Union и т. д

Широкий выбор платежных систем можно с уверенностью назвать одним из немаловажных преимуществ.

На Ебей разрешено лишь 3 способа оплаты:

  • PayPal;
  • QIWI Кошелек;
  • Банковскими картами Visa и Mastercart.

В подавляющем большинстве случаев оплата на eBay осуществляется через платежную систему PayPal. В своем объявлении продавцы указывают приемлемые для них способы платежей. Таким образом, у покупателя иногда не остается вариантов для выбора способа оплаты.

Что касается сроков оплаты заказа, на Алиэкспресс они составляют 20 дней с момента оформления заказа. При этом заказанный вами товар будет зарезервирован до тех пор, пока вы не оплатите заказ. Если по истечении указанного времени покупатель не произведет оплату, заказ будет автоматически отменен.

На Ебей на оплату заказа дается не более 4 дней, однако, если вы не произвели оплату в течение двух дней, продавец может открыть диспут о неоплаченном товаре. Если покупатель так и не произвел расчёт и не договорился с продавцом, администрация eBay оставляет за собой право внести в вашу учетную запись заметку о неоплаченном товаре. Чрезмерное количество подобных заметок в учетной записи покупателя может привести к ограничению либо лишению привилегий в отношении покупки.

Защита покупателей на Алиэкспресс и Ебей

Покупатели Алиэкспресс защищены системой Escrow. Согласно регламенту Escrow, максимальный срок действия защиты составляет 60 календарных дней. При необходимости, продавец может продлить указанный срок. Если покупатель не получил своего товара или не удовлетворён его состоянием, он может открыть диспут до истечения срока защиты. Перевод спора в претензию возможен на любом этапе ведения спора. Для того чтобы выиграть спор, необходимо предоставить какие-то доказательства вашей правоты. Это могут быть скриншоты переписки с продавцом, фотографии бракованного товара и т. д. Если до истечения срока защиты заказа осталось 5 дней, Алиэкспресс оповещает об этом покупателя, отправив ему письмо на электронный адрес.

Все товары, продаваемые на Ебей, покрываются программой защиты покупателей PayPal в размере полной стоимости покупки, включая первоначальную стоимость доставки. Для того чтобы получить право на защиту покупателей PayPal, необходимо оплачивать всю стоимость лота одним платежом посредством платежной системы PayPal. Лоты, приобретенные за несколько платежей, не защищены. Максимальный срок действия защиты составляет 180 календарных дней после оплаты заказа. Перевод спора в претензию возможен в течение 20 дней после открытия спора.

Доставка с Алиэкспресс и Ебей

Доставка с Ебей, как и с Алиэкспресс осуществляется в любой город РФ, и в обоих случаях может быть бесплатной. Но в большинстве случаев на ebay за доставку товара придется заплатить. Бесплатную доставку, как правило, предлагают продавцы из Китая, торгующие на ebay. Ответить на вопрос: «Где доставка дешевле?», – довольно сложно. Все зависит от способа доставки, размеров товара и его веса. И там, и там присутствует возможность выбора одного из нескольких вариантов доставки.

Какой из сайтов выбрать для покупок — aliexpress или ebay?

Сравнив Ебей и Алиэкспресс, можно сказать, что эти торговые площадки имеют существенные отличия, но несмотря на это принцип оформления заказа и его оплата, также защита покупателя очень схожи. Нельзя четко сказать, что какая-то из торговых площадок лучше или хуже другой. Определяющим фактором в выборе является, конечно же, предпочтение и привычка покупателя.

Автор: Александр (killger), Рубрика: Инструкции

Lease or Buy Decision

Lease or buy decision involves applying capital budgeting principles to determine if leasing as asset is a better option than buying it.

Leasing in a contractual arrangement in which a company (the lessee) obtains an asset from another company (the lessor) against periodic payments of lease rentals. It may typically also involve an option to transfer the ownership of the asset to the lessee at the end of the lease.

Buying the asset involves purchase of the asset with company’s own funds or arranging a loan to finance the purchase.

In finding out whether leasing is better than buying, we need to find out the periodic cash flows under both the options and discount them using the after-tax cost of debt to see where does the present value of the cost of leasing stands as compared to the present value of the cost of buying. The alternative with lower present value of cash outflows is selected.

After-tax cash flows of lease

Determining periodic cash flows in case of leasing is easy. Most leases involve periodic fixed payments and an optional one-time terminal payment. They may also involve payment of insurance, etc. associated with the asset which also need to be accounted for. These payments have associated tax shield, i.e. they are allowed as deduction from the company’s taxable income which results in a decrease in net tax liability of the company.

Periodic after-tax cash flows of lease = (maintenance costs + lease rentals) * (1 – tax rate)

Terminal after-tax cash flows = periodic after-tax cash flows + amount paid at purchase the asset

After-tax cash flows of purchase

The most significant component of cash outflows in case of purchase of asset is the payment for cost of the asset. If the company uses its own funds, the total cost is assumed to be paid at the time 0, however, if the company obtains a loan to finance the purchase, the loan repayment and associated tax shield on interest shall appear in all the periods of the lease analysis.

Other cash flows include the tax shield on depreciation, any potential savings, maintenances costs, insurance, etc. associated with the purchase and use of the asset.

Once we know the after-tax cash flows under both the alternatives, we just need to find present values for each option using the company’s after-tax cost of debt and choosing the option that has lower present value of cash outflows.

B-Tel, Inc. is a telecommunication services provider looking to expand to a new territory Z; it is analyzing whether it should install its own telecom towers or lease them out from a prominent tower-sharing company T-share, Inc.

Leasing out 100 towers would involve payment of $5,000,000 per year for 5 years.

Erecting 100 news towers would cost $18,000,000 including the cost of equipment and installation, etc. The company has to obtain a long-term secured loan of $18 million at 5% per annum.

Owning a tower has some associated maintenance costs such as security, power and fueling, which amounts to $10,000 per annum per tower.

The company’s tax rate is 40% while its long-term weighted average cost of debt is 6%. The tax laws allow straight-line depreciation for 5 years.

Determine whether the company should erect its own towers or lease them out.

Annual cash out flows of leasing (Year 1 to Year 5) = $5,000,000 * (1 – 40%) = $3,000,000

Annual cash flows of purchasing have three components: the loan amount to be repaid in each period, the maintenance costs to be borne each year, the tax shields associated with maintenance costs, depreciation expense and interest expense. The following table summarizes the calculation of cash flows under this alternative.

Aliexpress vs Ebay

Эта статья имеет очень холиворную тему (то есть тему, по поводу которой возникает множество споров и по поводу которой очень сложно привести объективные доводы). Эта тема: «Что лучше: Ebay или Aliexpress?»

Всем понятно, что при создании Aliexpress пример брался с крупнейшего интернет-аукциона — Ebay. Понятно, что создатели Али учли ошибки Ebay и реализовали многие фишки, которых нет у Ибэя. Но давайте все приведем в таблицу, а в конце я выскажу свое субъективное мнение.

Моя табличка не претендует на то, чтобы быть истиной в последней инстанции. Но из нее отлично видно, что плюсов у Ebay больше, чем у Aliexpress. И основное преимущество Aliexpress — низкие цены — не такое очевиднное. В процессе подготовки статьи я решил проверить цены своих последних покупок с Aliexpress и сравнить их с ценами на Ибэе. На Али я покупал только чай, в последнее время. И знаете что? Цены на американском аукционе были точно такими же! Я не сравнивал одежду (думаю, она все же дешевле на китайском сайте), но многие товары выгоднее покупать на Ebay.

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5 комментариев

Такое чувство, что на Ebay нет мошенников, все белые и пушистые. Бывает американцы с 1000 рейтингом кидают. А про цены согласна.

На Ebay сложнее смошенничать — сама система защиты покупателя работает лучше, чем на Али. Даже если говорить про покупки раскрученных аккаунтов, с целью украсть деньги у покупателя, ваши платежи этому продавцу через ПэйПал реально застрахованы и, в случае «кидка», их вам реально вернут. А не будут кормить завтраками, как на Али.
И американцы с 1000 рейтингом — скорее всего аккаунт, проданный мошенникам (цена на такой аккаунт кусается, кто-то писал, что больше 2000 долларов), которые постараются собрать побольше денег перед тем, как их накроют.

Фигня Ebay. Во-первых для каждого покупателя, что нужб дНа Али надежнее и проще

Во-первых, каждому покупателю нужна гарантия, в случае неудачной покупки, возврата денег быстро и без заморочек. Что предлагает Али, первое вы можете отказаться от покупки до того момента пока продавец не исполнил ваш заказ (не отправил) и вернуть свои деньги. Второе, всего четыре дня надо для диспута и не важно когда он открыт, если в течении этого времени продавец не примет, то деньги автоматом уйдут вам обратно на карту в течении нескольких дней. Я делал на Али сотни покупок, но не встретил ни одной однодневки. Что предлагает Еbay. Спор вы не можете открыть раньше семи дней, даже если продавец-однодневка и товар вам никто не собирался и не собирается отправлять. Потом еще три дня надо ждать ответа на ваше письмо от продавца. А продавца уже нет и никогда не будет. Мне уже этого по горло хватило…

Защита покупателя, где надёжнее (eBay vs Aliexpress) ?

Друзья я человек новый в онлайн покупках, сделал всего несколько недорогих покупок на алиэкспресе.
Сейчас планирую купить хороший телефон, но начитавшись страшилок есть опасения.
Если придёт всё нормально, то тут вопросов вообще нету, а если фейковый, восстановленный, вообще не тот телефон или модель.
Хотел бы для себя развеять несколько деталей.
Всё-таки где лучше покупать (что понадёжнее в защите), где лучше защита на ебеи или алиэкспрессе ?
Где дольше сроки диспута если идти до «конца» ?
Получение посылки с Почтой России тут всё роде понятно, запись видео при получении, вроде как при свидетелях в почтовом отделение
серьёзный аргумент. Если что-то не понравилось (не та модель к примеру) какой документ просить с почты если посылка в хорошем состояние.
Или же тут доказательство то что ты получил, а дальше уже дома сидеть записывать на видео детали несоответствия.

Другой вариант, заказать платно через курьерские службы. Привезли, открыл бац другая модель. Даже если это будет запись получения,
курьером может представиться и брат и сват(Фактически можно сфабриковать, в отличии от почты). Разве это может считаться объективным доказательством?

К чему такое вопросы, знакомый на работе совершал покупку оборудования. Вроде кто может позарится на специфическое оборудование? а нет. получил, вроде упаковка нормальная 6.5 вес. Причин переживать нету.
Пришёл домой, открыл. камни. взвесили, вес сходится посылки по всей дороге. видео вскрытия есть в домашних условия (детально заснято на 4 минуты, все углы, наклейки), с той стороны предоставили
запись что стоит чистая коробка с оборудование на весах (следуя логике это может быть и чья-то другая посылка.). + скан дока что отправили посылку с таким-то весом, опять же коробка отдельно, бумага отдельно.
Проиграл, алиэкспресс предложил разбираться с доставщиком.

подскажите как максимально постараться обезопасить себя при покупке и где всё-таки защита лучше?

Заранее спасибо. Если есть топик в котором есть ответы на мои вопросы, скиньте ссылку.

Что лучше, Ebay (Ебей) или Aliexpress (Алиэкспресс)?

Зарегистрируйтесь на Shopfans прямо сейчас и заведите личный адрес в США. Это бесплатно!

Любой начинающий исследователь торговых онлайн-площадок рано или поздно становится перед вопросом “что лучше – Ебей или Алиэкспресс?”

Гиганты Ebay и Aliexpress давно конкурируют друг с другом, но покупателям все же хочется разобраться, в чем отличия этих сервисов и где лучше совершать покупки – на Али или на Ебей. Крупнейший посредник среди компаний мейл-форвардеров, Shopfans (Shopfans.ru), раскроет некоторые секреты и особенности этих двух поистине монстров онлайн-шоппинга и расскажет, чем отличается ебей от алиэкспресс и где лучше заказывать.

Возникает вопрос, на что в первую очередь стоит обращать внимание, выбирая между AliExpress и eBay? Конечно, это рейтинг продавца. Чем выше доверие покупателей и, соответственно, рейтинг, тем больше шансов у Вас на безопасную сделку. Здесь хочется отметить, что на eBay продавцы очень дорожат своим статусом и часто идут на всяческие уступки по отношению к покупателю, чего не скажешь об AliExpress, даже тогда, когда продавец один и тот же на обеих площадках.

Во-вторых, способы оплаты. Конечно, каждому покупателю хочется гарантий и безопасности, перечисляя деньги кому-то виртуальному. На АлиЭкспресс покупателю предоставляется больший выбор вариантов оплаты (банковские карты платежных систем Maestro, VISA и, конечно, MasterCard; системы Яндекс Деньги и Western Union, равно как Webmoney и QIWI), что, несомненно, удобнее.

Однако на eBay защита платежей более сильная, основным способом оплаты, помимо банковских карт и кошелька QIWI, является PayPal. Безопасность использования PayPal в том, что эта система скрывает все платежные реквизиты от получателя суммы, поэтому ваши ключевые данные никогда не попадут в руки продавца.

Третьим важным фактором при выборе того, где лучше заказывать – на ебей или алиэкспресс, является быстрота и удобство доставки.

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12 Buying From China Tips

Incl AliExpress and other marketplaces

From sandals to sticker sets, watches to clothes, it’s possible to grab goods at a fraction of the normal cost via Chinese and other east Asian sellers.

Yet you’ll need to keep your wits about you to avoid unexpected customs charges and shoddy goods – for this reason we think it’s best to stick to items under £15.

This guide has 12 ways to save on leading Chinese online shopping platform AliExpress and other marketplaces that link you with Chinese traders.

12 buying from China tips, including.

  • Many items are under £2 WITH delivery
  • ‘I’ve bought over 150 things from AliExpress’
  • Factor in delivery – it’s often free
  • Plan well in advance
  • You have few consumer rights
  • Keep it below £15 & you shouldn’t pay tax
  • Check if stuff’s cheaper here first
  • Pay the right way
  • How to check out sellers on AliExpress
  • Avoid electronics, toys & make-up
  • Beware of fake goods
  • Buy small items to start with

This is the first incarnation of this guide. Please give us feedback, suggest improvements and share your tips in the Buying From China forum thread.

Get Our Free Money Tips Email!

Know what you’re doing and you can grab items for under £2, INCLUDING delivery

Discount stores such as Poundland make a killing by buying items from China at rock-bottom prices and flogging them here. So why not cut out the middleman? Giant online marketplaces such as AliExpress* let individual traders from East Asia sell direct to UK buyers.

Know what you’re doing and it’s possible to pick up huge bargains.The biggest categories include clothing, shoes, homeware, accessories, watches and stationery.

When we checked, we found the following examples, all including postage. Bear in mind the price in pounds might rise or fall, depending on currency fluctuations.

  • £1.73 striped T-shirts (we found similar for £5 at New Look).
  • 60p iPhone 6/6s cases (comparable basic cases are £3.82 on Amazon).
  • 22p women’s belts (similar cost £1.99 on Amazon).

This isn’t a straightforward click-and-buy situation though. Just as with eBay, there are no guarantees – the deal’s only as good as the seller you buy from, so check feedback thoroughly.

You have fewer rights than when buying from the UK and also need to factor in customs and delivery charges. Plus you need to beware of fakes and consider safety issues.

For more shopping tactics and techniques, see our Cheap Online Shopping, Amazon Tricks, eBay Buying Tips and Shopping Secrets guides.

AliExpress: the big name in buying from China

When it comes to buying goods directly from China, there’s one site which dominates – AliExpress.

AliExpress

You might have heard of Chinese e-commerce giant Alibaba, which mostly sells in bulk. AliExpress* is its consumer arm, where sellers flog everything from bikinis to headphones.

How big is it? It has thousands of sellers selling millions of products.

How does payment work? You pay by credit or debit card. AliExpress uses an ‘escrow’ payment system, where it holds your payment in an account and only releases it to the seller after you confirm satisfactory delivery.

It does eventually release the cash to the seller even if you don’t confirm you’ve got the goods and are happy with them though, as long as you haven’t raised a dispute – the timescale depends on the product.

Any protection offered?
The company’s buyer protection scheme means that, should your goods not arrive or not be as described, you can open a dispute*. The time you have to do this varies by seller – this info’s in the ‘Product Details’ for each product. If the seller doesn’t resolve the issue, you can escalate the dispute* to AliExpress – its team looks into the issue and decides who’s in the right.

Big name UK sites that cover Chinese sellers

While AliExpress specialises in goods from China, several other big-name marketplaces also connect you with sellers from east Asia. Some traders sell on a few different sites and vary their prices, so for belt and braces it’s worth checking these too.

Amazon Marketplace

If goods say ‘sold by’ someone other than Amazon* , then they’re on Marketplace, where traders sell via Amazon. Many of these are based overseas. Amazon doesn’t make it clear where sellers are located – you need to click on the seller’s ID — its business address shiould appear under ‘Detailed Seller Information’ on the seller’s page..

How big is it? Marketplace has more than two million sellers worldwide.

How does payment work? You probably know the drill. Just as with any Amazon.co.uk purchase, you pay by credit or debit card.

Any protection offered? Amazon’s A-to-Z* guarantee covers an item not arriving or not being as described. Amazon says you can get back up to £2,500 of the purchase price, including delivery charges. Overseas sellers on Amazon.co.uk must provide a local return shipping address or pre-pay your return shipping. See our Amazon Buying Tips guide for more pointers.

The ubiquitous online marketplace eBay* is ripe for bargain-hunting from east Asia too. Just search as you normally would, and check the ‘item location’ under ‘Postage’ in listings.

How big is it? The site boasts over 25 million sellers.

How does payment work? You can pay by PayPal, credit card or debit card.

Any protection offered? Under eBay’s buyer protection rules, buyers are eligible for a refund if the item’s not as described or doesn’t arrive. See our eBay Buying guide for more.

It started as an online home for all things crafty – now Etsy sells clothes, jewellery, homewares and more, produced by people from across the world, from the UK to China.

How big is it? It has 1.9 million sellers and over 45 million items for sale worldwide.

How does payment work?
You can pay by credit card, debit card or PayPal.

Any protection offered? Buyers can file a case for non-delivery or a not-as-described item. If the seller doesn’t resolve the issue, Etsy’s team decides whether to issue a refund.

‘I’ve bought over 150 things from AliExpress. I love it’ – some inspiration before you start

We’ve had reports of huge successes from buying from AliExpress and similar marketplaces. Here’s some inspiration – please do tell us your successes and include links to the products if possible.

Forumite sillygoose says:

My purchase history from AliExpress is now over 150 purchases. I must admit I love it! My wife has a huge collection of office dresses from Ali costing £10 to £15, good quality and fit. Tools, watches, trainers. One of my recent favourites? A set of real ceramic-blade kitchen knives at £7.82 delivered!

I do loads on AliExpress, mostly phone cases and jewellery, but I recently bought a pair of wireless headphones for £11.50. They arrived and were actually very, very good indeed.

I recently got into cycling and ordered cycling tops and shorts from AliExpress, which came to £15. While they took 3-4 weeks to arrive, the quality was as good as that of a UK shop, but at a fraction of the price.

However, it doesn’t always work out so well .

I ordered two very cheap watches [from AliExpress] that looked great in the photos, but were like something out of a cracker with huge faces on them. The plastic front looked like it would break if it knocked against anything.

Factor in delivery – it’s often free.

For a true picture of the total cost, it’s important to include the cost of postage to make sure you really are getting a bargain.

Many items often have free – albeit slow – delivery. But always double-check postage charges before buying.

For example, when we checked at random, we found £6 bikinis, £1 belts and £1 yoga mat bags with free postage to the UK.

However, for bigger items postage can sometimes be pretty steep. We found a £32 suitcase with £18 delivery and a £54 giant inflatable flamingo where delivery cost a whopping £43.

. But delivery can take six weeks, so plan well in advance

Online shops based in China and elsewhere in east Asia are not the places to grab last-minute birthday and Christmas gifts. Items from east Asia typically take 3-6 weeks to arrive. However, goods can take longer if they’re held up by either UK customs or customs in the country they’re sent from.

Many sellers offer expedited delivery for an additional fee. However, there can still be customs hold-ups which are outside their control, so question if it’s worth it.

Forumite paddyrg sums it up:

I’ve used AliExpress for several years. I’ve had plenty of VERY SLOW deliveries, but never a non-delivery.

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You have few consumer rights, so don’t spend more than you’re happy to lose

Let’s be straight – buying online from China is a relatively new and untested concept, so don’t spend more than you can afford to lose.

If you buy online from a seller in the UK or EU, the Consumer Contracts Regulations mean you can cancel the order within 14 days of arrival for any reason (apart from perishable or personalised goods). You’ve then 14 days to send it back. So you’ve the comfort of knowing you can return it regardless of the reason. See our Consumer Rights guide for more.

This is in stark contrast to buying from China, where you’ve often no legal right to return an item, even if faulty. Many of the sites listed here have their own buyer protection policies (as described in the top sites section above), but these are not the law.

Even if sellers let you return orders, the postage costs are often so high that it’s not worth it.

Keep your order below £15 and you shouldn’t pay any tax

The thorn in the bed of roses that is buying from China is tax and customs. This is another reason why AliExpress is best for small, cheap bits. Buy goods under £15 and you shouldn’t pay any VAT, customs or handling charges.

What you pay depends on the item’s value, but an easy rule of thumb is that above £15, customs, delivery and VAT charges can add 30-40% to the list price. So first ensure you know what you’ll pay – the pricier the item, the bigger the fees.

  • 20% VAT. Buy goods worth more than £15 online from non-EU online retailers and you need to pay 20% VAT. This is calculated based on the total package cost, regardless of how many items are in it. It’s charged on the full price of the package, not just items with a value that exceeds £15.

  • Customs duty. On top of that, customs duty applies to items shipped from outside the EU if they’re valued at £135 or more. The duty rate depends on the value, what the item is and where it comes from.

There are about 16,500 custom duty classifications for products, with average percentages between 5% and 9%. However, customs duty can sometimes be as low as 0% or as high as 71%, depending on the goods in question.

  • £8 Royal Mail customs charge handling fee. On top of this, Royal Mail charges an £8 fee if you need to pay customs charges (fees vary for other couriers).
  • Compare Lease vs Buy Analysis

    Lease Versus Buy Equipment Decision

    Lease or buy equipment? this is the question. Small businesses have difficulty raising capital — that’s no secret. This difficulty (among other reasons) has caused many to look at leasing equipment as an alternative financing arrangement for acquiring the use of assets.

    All types of equipment leasing-from motor vehicles to computers, from manufacturing machinery to office furniture-have become more and more attractive.

    This lease vs buy analysis guide describes various aspects of the lease/buy decision. It lists advantages and disadvantages of leasing and provides a format for comparing costs of the options.

    What Is a Lease?

    Lease vs buy equipment — A lease is a long term agreement to rent equipment, land, buildings, or any other asset. In return for most-but not all-of the benefits of ownership, the user (lessee) makes periodic payments to the owner of the asset (lessor). The lease payment covers the original cost of the equipment or other asset and provides the lessor a profit.

    Types of Leases

    There are three major kinds of leases: the financial lease, the operating lease, and the sale and leaseback.

    Financial leases are most common by far. A financial lease is usually written for a term not to exceed the economic life of the equipment. You will find that a financial lease usually provides that:

    • Periodic payments be made,
    • Ownership of the equipment reverts to the lessor at the end of the lease term,
    • The lease is non-cancellable and the lessee has a legal obligation to continue payments to the end of the term, and
    • The lessee agrees to maintain the equipment.

    The operating lease, or «maintenance lease,» can usually be canceled under conditions spelled out in the lease agreement. Maintenance of the asset is usually the responsibility of the owner (lessor). Computer equipment is often leased under this kind of lease.

    The sale and leaseback is similar to the financial lease. The owner of an asset sells it to another party and simultaneously leases it back to use it for a specified term. This arrangement lets you free the money tied up in an asset for use elsewhere. You’ll find that buildings are often leased this way.

    You may also hear leases described as net leases or Cross leases. Under a net lease the lessee is responsible for expenses such as those for maintenance, taxes, and insurance. The lessor pays these expenses under a gross lease. Financial leases are usually net leases.

    Finally, you might run across the term full payout lease. Under a full payout lease the lessor recovers the original cost of the asset during the term of the lease.

    Kinds of Lessors

    As the use of leasing has increased as a method for businesses to acquire the use of equipment and other assets, the number of companies in the leasing business has increased dramatically.

    Commercial banks, insurance companies, and finance companies do most of the leasing. Many of these organizations have formed subsidiaries primarily concerned with equipment leasing. These subsidiaries are usually capable of making lease arrangements for almost anything.

    In addition to financial organizations, there are companies which specialize in leasing. Some are engaged in general leasing, dealing with just about any kind of equipment. Others specialize in particular equipment, such as trucks or computers, for example.

    Equipment manufacturers are also occasionally in the leasing business. Of course, they usually lease only the equipment they manufacture.

    Advantages of Leasing Equipment

    The obvious advantage to leasing is acquiring the use of an asset without making a large initial cash outlay. Compared to a loan arrangement to purchase the same equipment, a lease usually

    • requires no down payment, while a loan often requires 25 percent down;
    • Requires no restriction on a company’s financial operations, while loans often do;
    • Spreads payments over a longer period (which means they’ll be lower) than loans permit; and
    • Provides protections against the risk of equipment obsolescence, since the lessee can get rid of the equipment at the end of the lease.

    There may also tax benefits in leasing. Lease payments are deductible as operating expenses if the arrangement is a true lease. Ownership, however, usually has greater tax advantages through depreciation. Naturally, you need to have enough income and resulting tax liability to take advantage of those two benefits.

    Leasing has the further advantage that the leasing firm has acquired considerable knowledge about the kinds of equipment it leases. Thus, it can provide expert technical advice based on experience with the leased equipment.

    Finally, there is one further advantage of leasing that you probably hope won’t ever be of use to you. In the event of bankruptcy, claims of the lessor to the assets of a firm are more restricted than those of general creditors.

    Disadvantages of Leasing

    In the first place, leasing usually costs more because you lose certain tax advantages that go with ownership of an asset. Leasing may not, however, cost more if you couldn’t take advantage of those benefits because you don’t have enough tax liability for them to come into play.

    Obviously, you also lose the economic value of the asset at the end of the lease term, since you don’t own the asset. Lessees have been known to grossly underestimate the salvage value of an asset. If they had known this value from the outset, they might have decided to buy instead of lease.

    Further, you must never forget that a lease is a long-term legal obligation. Usually you can’t cancel a lease agreement. So, it you were to end an operation that used leased equipment, you might find you’d still have to pay as much as if you had used the equipment for the full term of the lease.

    Accounting Treatment of Leases

    Historically, financial leases were «off the balance sheet» financing. That is, lease obligations often were not recorded directly on the balance sheet, but listed in footnotes, instead. Not explicitly accounting for leases frequently resulted in a failure to state operational assets and liabilities fairly.

    In 1977 the Financial Accounting Standards Board (FASB), the rule-making body of the accounting profession, required that capital leases be recorded on the balance sheet as both an asset and a liability. This was in recognition of the long-term nature of a lease obligation.

    Cost Analysis of Lease v. Loan/Purchase

    You can analyze the costs of the lease versus purchase problem through discounted cash flow analysis. This analysis compares the cost of each alternative by considering: the timing of the payments, tax benefits, the interest rate on a loan, the lease rate, and other financial arrangements.

    To make the analysis you must first make certain assumptions about the economic life of the equipment, salvage value, and depreciation.

    A straight cash purchase using a firm’s existing funds will almost always be more expensive than the lease or loan/buy options because of the loss of use of the funds. Besides, most small firms don’t have the large amounts of cash needed for major capital asset acquisitions in the first place.

    To evaluate a lease you must first find the net cash outlay (not cash flow) in each year of the lease term. You find these amounts by subtracting the tax savings from the lease payment. This calculation gives you the net cash outlay for each year of the leases.

    Each year’s net cash outlay must next be discounted to take into account the time value of money. This discounting gives you the present value of each of the amounts.

    The present value of an amount of money is the sum you would have to invest today at a stated rate of interest to have that amount of money at a specified future date. Say someone offered to give you $100 five years from now. How much could you take today and be as well off?

    Common sense tells you you could take less than $100, because you’d have the use of the money for the five year period. Naturally, how much less you could take depends on the interest rate you thought you could get if you invested the lesser amount. For example, to have $100 five years from now at six percent compounded annually, you’d have to invest $74.70 today. At 10 percent, you could take $62.10 now and have the $100 at the end of five years.

    Fortunately there are tables which provide the discount factors for present value calculations. There are also relatively inexpensive special purpose pocket calculators programmed to make these calculations.

    Why bother with making these present value calculation? Well, you’ve got to make them to compare the actual cash flows over the time periods. You simply can’t realistically compare methods of financing without taking into account the time value of money. It may seem confusing and complex at first, but if you work through an example, you’ll begin to see that the technique isn’t difficult-just sophisticated.

    Evaluation of the borrow/buy option is a little more complicated because of the tax benefits that go with ownership, loan interest deductions, and depreciation.

    As noted earlier, the salvage value is one of the advantages of ownership. It must be considered in making the comparison. Naturally, it s possible that salvage costs for real asset could be very high or be next to nothing. Salvage value assumptions need to be made carefully.

    Thus, while this sort of analysis is useful, you can’t make a lease/buy decision solely on cost analysis figures. The advantages and disadvantages discussed earlier, while tough to qualify, may outweigh differences in cost-especially if costs are reasonably close.

    Look Before You Lease

    A lease agreement is a legal document. It carries a long term obligation. You must be thoroughly informed of just what you’re committing yourself to. Find out the lessor’s financial condition and reputation. Be reasonably sure that the lease arrangements are the best you can get, that the equipment is what you need, and that the term is what you want. Remember, once the agreement is struck, it’s just about impossible to change it.

    The lease document will spell out the precise provisions of the agreement. Agreements may differ, but the major items will include:

    • The specific nature of the financing agreement,
    • Payment amount,
    • Term of agreement,
    • Disposition of the asset at the end of the term,
    • Schedule of the value of the equipment for insurance and settlement purposes in case of damage or destruction,
    • Who is responsible for maintenance and taxes,
    • Renewal options,
    • Cancellation penalties, and
    • Special provisions.

    Insightful Video: Top 10 Small Business Tips — How to Succeed In a Business of Your Own

    Whether you are presently running your own business or just planning to start one, this video will be of great help, it features 10 extremely powerful tips and ideas that will substantially increase your chances of success as a business manager.

    Other Topics in the ‘Miscellaneous Topics’ Sections

    • Developing a Strategic Plan
    • Developing a Profit Plan
    • Management by Objectives
    • Productivity Management
    • Effective Management Principles
    • Risk Management
    • The Lease or Buy Decision
    • Wholesalers’ Services
    • Fixing Production Mistakes
    • The Equipment Replacement Decision
    • Outwitting Bad-Check Passers
    • Preventing Burglary and Robbery Loss
    • Preventing Embezzlement
    • Preventing Employee Pilferage
    • Setting Up a Quality Control System
    • Purchasing in the Manufacturing Firm
    • The Function of Purchasing
    • Determining Purchasing Needs
    • Selecting Suppliers
    • Making the Purchase
    • Preparing the Purchase Order
    • Receiving and Inspecting Goods

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    Aliexpress vs Taobao: Which is CHEAPER?

    Aliexpress Review

    Summary

    Aliexpress is for the consumer who do not wish to purchase in bulk. Taobao is for B2B. Business who wish to make use of bulk shipment to make the cost lower so they can have a better profit margin when they resell.

    A newer introduction into the most preferred E-commerce giants of China, Taobao.com is giving some serious competition to the existing leaders including Aliexpress due to the large variety of products that are available for the customers and that too at attractive prices. This is an online platform where sellers, in fact, millions and millions of them, come together to sell their products. Mostly referred to as the eBay of China, Taobao helps in the retail amount selling of products. However, this site is focussed towards the domestic market of China rather than shifting to international orders.

    However, sellers from different countries can come together to sell their products and the customers get the products at very cheap and exciting prices. On the contrary, Aliexpress is a place where no buying agents are involved and the customer can make the payment very easily using his or her own credit or debit card. In the case of Aliexpress everything is made available in English language for the customers.

    Which is Better: Aliexpress or Taobao?

    TAOBAO VS ALIEXPRESS: A FAIR COMPETITION

    The major competitors in the segment include eBay, Alibaba and Aliexpress. For a better comparison, the competitors should have similar terms and conditions which can be used as a basis for deciding on the winner. Alibaba is an ecommerce giant which aims in wholesale marketing which is not the major concern of Taobao. Hence Alibaba can’t be the best competitor for Taobao. Again, taking China as the base country eliminates the option of eBay from the contenders list. This implies that the best contender for Taobao would be Aliexpress. We also know that Aliexpress and Taobao are the preferred sites for wholesale and retail marketing.

    Some of the basic differences that Taobao and Aliexpress have between them are

      • Aliexpress can be operated by users all across the world since it supports different languages whereas Taobao only supports the Chinese language. This justifies the fact that Taobao is primarily concerned about the domestic market only. On the contrary, Aliexpress also deals with foreign trade as well.
      • Aliexpress supports payments from sites like PayPal whereas it is a bit more complicated to make payments on the Taobao which uses Alipay. The verification and registration process is a bit lengthy.
      • Aliexpress has a lower count of 0.3 million sellers whereas Taobao has a whopping 8 million sellers count. Taobao has also 1 billion products listed on the site and the same products of Aliexpress are available at cheaper prices on Taobao. However, the key point lies in the fact that how good at Chinese you are. Owing to all these Taobao sales volumes is accounted to be at least 10 times as compared to that of Aliexpress.
      • The shipping duration of Taobao is very less as compared to that of Aliexpress.
      • The products at Taobao have the product pictures in the description and come with a quality check tag as well. On the other hand, one cannot find the product picture in the description in case of Aliexpress. Thus Taobao has higher quality products whereas Aliexpress might have low-quality products as well.

    PRODUCT WISE PRICE COMPARISION – Which is a cheaper option?

    To get better results on the decision of the better E-commerce site in between Taobao and Aliexpress a few products were chosen that are available on both the E-commerce sites. Basing upon the prices that the products are made available to the customers including the base price and shipping cost to India, a conclusive decision can be reached.

    Case Study 1

    The first product chosen for comparison is the Skmei digital men’s watch. On Taobao Focus the price of the watch is found to be 39.00 Chinese Yuans which comes to be around 5.80 US dollars as per the general current conversion rate of 1 CNY=0.15 US dollars. However, the additional shipping cost that is levied on the 100 grams package to US, an additional charge of 26 Chinese Yuans or 3.98 US dollars is added to the base price of the product.

    On the other hand, the same model of Skmei Men’s digital swimming watch on Aliexpress is found to be 9.3 US dollars including the shipping cost to US with E-packet.

    However, a discount of 15 % can be availed as well if the purchase is made using the app. So the effective price come to be a lot lower than that on the Taobao site i.e. 7.90 US dollars approximately.

    Thus the winner in this context is Aliexpress.

    Case Study 2

    As per the order placed by a customer at Taobao, a consolidated products shipment of the below products cost the person 39 dollars with shipping charges where Aliexpress provided the net amount at a higher value since it covers FREE shipping per product basis.

    When we order these items in bulk from Taobao, I can ship back to US via a consolidate shipper. This drives down my cost by a lot as compared with separate orders at Aliexpress.

    Although some goods are available at much lower prices on Taobao, the shipping cost when added to them gives the price a boost which exceeds that of the Aliexpress price.

    Here is a good guide to share.

    This price of the products varies on the order quantity.

    If order quantity is higher, then there are chances that the price would be lower. This could also be higher since the weight of the package increases as well. But the products generally come at lower prices if the order is made in bulk.

    In the Skmei watch case study that is mentioned above, a discount of 15 % is provided if the customer orders the product in bulk on Taobao.

    So which is really better: Aliexpress of Taobao

    Both Taobao and Aliexpress offers a large variety of shopping options for customers worldwide. With the large number of items available at exciting prices on Taobao, the site has become one of the most preferred sites for purchase. Also, the Taobao agents are available for customer service all round the clock and all the products from different manufacturers are packaged into a single shipment which is also called consolidated shipping.

    Some of the drawbacks include high service charges, the Chinese interface and some limitations on the return policy. On the contrary, Aliexpress provides free shipping on many products and the site is available in different languages making it convenient to be used by people worldwide.

    The prices on Aliexpress are a bit higher and there is no facility for consolidated shipping. Thus these sites cater to different needs of the customers as per their preferences.

    While Taobao has been the widely used one, Aliexpress is the new contender and deserves a try as well.